Jump to content


  • Tweets

  • Posts

    • This is the other sign  parking sign 1a.pdf
    • 4 means that they need to name and then tell the people who will be affected that there has been an application made, what the application relates to (specificially "whether it relates to the exercise of the court’s jurisdiction in relation to P’s property and affairs, or P’s personal welfare, or to both) and what this application contains (i.e what order they want made as a result of it) 5 just means that teh court think it is important that the relevant people are notified 7 means that the court need more information to make the application, hence they have then made the order of paragraph 1 which requires the applicant to do more - this means the court can't make a decision with the current information, and need more, hence paragraph one of the order is for the applicant to do more. paragraph 3 of the order gives you the ability to have it set aside, although if it was made in january you are very late. Were you notiifed of the application or not?    
    • These are the photos of the signs. At the entrance there is a 7h free sign. On some bays there is a permit sign.  Also their official website is misleading as it implies all parking is free.  I can't be certain of the exact parking bay I was in that day, and there was no PCN ticket on my car and no other evidence was provided.  parking sign 2.pdf
    • Hi, In my last post I mentioned I had received an email from SS who were asking me to hand over the keys to my mother’s flat so they could pass them to the Law firm who have been appointed court of protection to access, secure and insure my mother’s property.  Feeling this, all quickly getting out of my hands I emailed ss requesting proof of this. I HAVEN’T HEARD BACK FROM SS.  Yesterday, I received an email (with attached court of protection order) from the Law Firm confirming this was correct (please see below a copy of this).  After reading the court of protection order I do have some concerns about it:   (a)   I only found out yesterday, the Law firm had been appointed by the court back in January.  Up until now, I have not received any notification regarding this.  (b)   Section 2   - States I am estranged from my mother.  This is NOT CORRECT    The only reason I stepped back from my mother was to protect myself from the guy (groomer) who had befriended her & was very aggressive towards me & because of my mother’s dementia she had become aggressive also.  I constantly tried to warned SS about this guy's manipulative behaviour towards my mother and his increasing aggressiveness towards me (as mentioned in previous posts).  Each time I was ignored.  Instead, SS encouraged his involvement with my mother – including him in her care plans and mental health assessments.   I was literally pushed out because I feared him and my mother’s increasing aggression towards me. Up until I stepped back, I had always looked after my mother and since her admission to the care home, I visit regularly.   .(c)    Sections -  4, 5 and 7  I am struggling to understand these as I don’t have a legal background.  I was wondering if there is anyone who might be able to explain what they mean.  It’s been a horrendous situation where I had to walk away from my mother at her most vulnerable because of; ss (not helping), scammer and groomer. I have no legal background, nor experience in highly manipulative people or an understanding of how the SS system operates, finding myself isolated, scared and powerless to the point I haven’t collected my personal belongings and items for my mother’s room in the care home.  Sadly, the court has only had heard one version of this story SS’s, and based their decision on that. My mother’s situation and the experience I have gone through could happen to anyone who has a vulnerable parent.    If anyone any thoughts on this much appreciated.  Thank you. ______________________________________________________  (Below is the Court of Protection Order)  COURT OF PROTECTION                                                                                                                                                                                   No xxx  MENTAL CAPACITY ACT 2005 In the matter of Name xxx ORDER Made by  Depty District Judge At xxx Made on xxx Issued on 18 January 2024  WHEREAS  1.     xxx Solicitors, Address xxx  ("Applicant”) has applied for an order under the Mental Capacity Act 2005.  2.     The Court notes (my mother) is said to be estranged from all her three children and only one, (me) has been notified.  3.     (Me) was previously appointed as Atorney for Property and Affairs for (my mother).  The Exhibity NAJ at (date) refers to (me) and all replacement Attorneys are now officially standing down.  4.     Pursuant to Rule 9.10 of the Court of Protection Rules 2017 and Practice Direction 9B the Applicant 2must seek to identify at least three persons who are likely to have an interest in being notified that an application has been issues.”  The children of (my mother), and any other appointed attorneys are likely to have an interest in the application, because of the nature of relationship to (my mother).  5.     The Court considers that the notification requirements are an important safeguard for the person in respect of whom an order is sought.  6.     The Court notes that it is said that the local authority no longer has access to (my mother’s) Property.  7.     Further information is required for the Court to determine the application.  IT IS ORDERED THAT  Within 28 days of the issue date this order, the Applicant shall file a form COP24 witness statement confirming that the other children of (my mother) and any replacement attorneys have been notified of the application and shall confirm their name, address, and date upon which those persons were notified.  If the Applicant wishes the Court to dispense with any further notification, they should file a COP9 and COP24 explaining, what steps (if any) have been taken to attempt notification and why notification should be dispensed with.   Pending the determination of the application to appoint a deputy for (my mother), the Applicant is authorised to take such steps as are proportionate and necessary to access, secure and insure the house and property of (my mother).   This order was made without a hearing and without notice.  Any person affected by this order may apply within 21 days of the date on which the order was served to have the order set aside or varied pursuant to Rule 13.4 of the Court of Protection Rules 2017 (“the Rules”).  Such application must be made on Form COP9 and in accordance with Part 10 Rules.              
    • Unless I've got an incorrect copy of the relevant regulation: The PCN is only deemed to have arrived two days after dispatch "unless the contrary is proved" in which case date of delivery does matter (not just date of posting) and I would like clarification of the required standard of proof. It seems perhaps this hasn't been tested. Since post is now barcoded for the Post Office's own tracking purposes perhaps there is some way I can get that evidence from the Post Office...
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
        • Like
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Redstone Mortgages playing dirty


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2708 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I have now had my mortgage with Redstone for about 10 years. Recently I have had to move and rent else where. I informed Redstone by post. They wrote back thanking me for updating my information. I rented the house to some nice people and was able to pay my rent and continue paying the mortgage. I moved because the 160 miles a day was killing me.

 

I heard no more until last Tuesday afternoon when I was informed by the people renting my house that the house has a LPA placed on it by the mortgage company. The LPA company are collecting the rent now!!! Redstone collected my mortgage payment too. So I am out of pocket on the rent I paid plus the mortgage amount. Redstone are ahead by nearly three times what they are due. More details later

Edited by citizenB
Link to post
Share on other sites

Hi welcome to CAG, someone will be along to advise you as soon as they are available.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

  • 2 weeks later...

This has just happened to me but they wrote to me first (via Irwin Mitchell) and they had managed to get it wrong as what I was proposing to do was covered in the original offer. I have been offered compensation but am taking the matter to FOS for the upset caused. let me know if I can help with anything advice on what we did.

Link to post
Share on other sites

Hi, they said that they had written to me but I have no record of it arriving. So I am guessing they have not actually written at all. It would now appear that they wont speak to me or my solicitor as they instructed my solicitor to contact theirs. If they have not done anything wrong why hide behind a solicitor?

Can you explain how they came to make the mistake?

Cheers

Angryatred

Link to post
Share on other sites

First they assumed that our property had been let. It hadn't but we had been marketing it. The lawyers they used never bothered to check our application or even the offer and underwriting sheet. Which showed our home was allowed to be unoccupied which was the other tack they tried. I assume you are not direct Redstone borrower and that they took over on the day the mortgage completed. The lawyer dealing with had to deal with me as I 'represented' myself.

 

if you wrote to them to inform them what you wanted to do did you ask for permission or did you assume permission. They are skating on thin ice. I think they (Redstone) are in difficulties and looking to cash in your property, it is likely the next thing they will try is to sell it. In the meantime they will be racking up charges. Your lawyer must not sit back an wait for hem to come to you so to speak rather the must go after them.

 

we need to know how many others are effected by this type of Redstone tactic.

Link to post
Share on other sites

Well redstone's are a little naughty - the FSA fined them for other unfair practices see HERE some of which was "Mortgage Litigation"

 

 

Hope you can find something in there to use

HTH (Hope This Helps) RDM2006

 

THE FORCE (OF CAG) IS WITH YOU

;)

 

We've Helped You To Claim - Now Help Us Remain

A live Site - Make a Donation

 

All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

However, if you have found any advice you have been given helpful.

Why not show your gratitude And

Click the * on the post you found helpful.

Link to post
Share on other sites

I wrote on the 3rd March I think and they replied on the 17th. It was not until the 5th July that I learnt that an LPA was on the property. Yes racking up charges is their game. My solicitor finally got an email from theirs yesterday. Not answering our questions but giving me the options to move back in ( not possible because of work) sell?? what with the market the way it is? or remortgage. I cannot do this either for personal reasons (also a recent ccj) So my solicitor writes back yesterday asking them to clarify whats happening to the rent the LPA company are collecting to be told it has nothing to do with me and that I should continue to pay the mortgage. So I continue to be out of pocket some 625 each month, money I can't afford.

So the final kick in the head. My tenants have the right to be in my property until March next year when I can give them a 2 months notice, I am told. So selling means selling with sitting tenants until then. So selling further impacted. Im thinking so I have to be out of pocket until then the 625 each month but no! I don't

The reason is the tenants have been ordered out and are leaving on the 16th of this month. Now why did their solicitor not tell us this? I found out by speaking with my tenants neighbour who thought I knew. Sneaky Redstone want to sell my property I am sure. They need stopping but how?

Link to post
Share on other sites

move your wife or family/partner back in on the 16th then instigate a complaint to FOS about the actions of Redstone and potentially their solicitors to the SRA. They (lawyers) will bleat about confidentiality and acting in client's best interests but they cannot do anything unlawful. By the way who are the lawyers acting in the matter.

Link to post
Share on other sites

Im not sure who their solicitor is as I passed the info straight to mine and he was told to contact theirs.

My solicitor believes that their solicitor is not aware of their miss doings. She is definitely unaware as of yesterday to my tenants departure but its all arranged by the bully boys at Redstone. Obviously on the 16th Im not in breach of any contract and wonder what Redstones next move will be.

Link to post
Share on other sites

So the story continues. I was told late this afternoon that my house was to be put into the hands of an agent once my tenants are out on the 12th of this month. My solicitor was told that this was because I was not going to live in it myself. Excuse the language but who the F**K do they think they are? They are doing or trying to do exactly what I predicted which is to sell the house right out from under me. My guess is that it would be sold at mortgage value to a 'Friend', who would then sell it at market value for considerably more, then split the profit. I say again, I have never missed one single mortgage payment. How can they do this?

Link to post
Share on other sites

Its happened. Redstone have locked me out of my house. You know the one.The one I pay the mortgage on each month with out fail and have done for the last 10 years. They appear to do exactly as they want and are fully supported by Irwin Mitchell their solicitors who were unable to talk to me today nor incidentally were Redstone.

Funny that! especially as to day they were taking possession. Bas*ards.

Link to post
Share on other sites

  • 3 months later...
  • 6 months later...

Redstone **** have now sold my property and at a price of over 50K less than market value. Theres just £400 odd pounds after all their costs left but say it will be used to pay any other associated costs with the house.

It appears they are Gods and no one can touch them.

Link to post
Share on other sites

  • 1 year later...
I have now had my mortgage with Redstone for about 10 years. Recently I have had to move and rent else where. I informed Redstone by post. They wrote back thanking me for updating my information. I rented the house to some nice people and was able to pay my rent and continue paying the mortgage. I moved because the 160 miles a day was killing me.

 

I heard no more until last Tuesday afternoon when I was informed by the people renting my house that the house has a LPA placed on it by the mortgage company. The LPA company are collecting the rent now!!! Redstone collected my mortgage payment too. So I am out of pocket on the rent I paid plus the mortgage amount. Redstone are ahead by nearly three times what they are due. More details later

 

They are rotten to the core they took our home threw my family on the streets and now I have found out their claim was not even a valid one and they used someone else details, get in touch we need to start a class action.

Link to post
Share on other sites

  • 6 months later...
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...