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    • 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...
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lowell joined 3 debts [2 mobile, 1 credit card]made me BK, now want my house!!


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OK THANK YOU FOR DOING THAT AND I HOPE SOMEONE OUT THERE HAS AN ANSWER TO STOP THESE CORRUPT COMPANIES FROM DOING THIS BECAUSE IT SEEMS TO BE FULL OF SAME CONS ON THE SITES IVE VIEWED ON INTERNET

 

I CAN NOT LOOSE THE HOME I SHARE WITH MY GRANDSON AS I AM HIS FOSTER KINSHIP CARER AND HE WOULD GO INTO CARE IF I COULD NOT PUT A ROOF OVER HIS HEAD !!:fear:

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Not everyone who might help you is here every day, but I hope there will be more input soon.

 

However, it is very complicated and you really may have to get a good lawyer because I'm not certain that as a litigant in person you will be able to cope with the legal arguments in front of a judge.

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I do agree but i have no means to fund another lawyer if i could id hire mr big himself to wipe floor with them all lol but someone has to know how i can prove this case is fraudulent ?

 

I live in hope as many many people go on this site so fingers crossed xx:|

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You may be able to get pro-bono lawyers to help with this, but there may be further court fees involved. I am no expert, but this may have to go to the High Court to seek a further annulment or application for a review of what has happened.

 

It cannot be right for Lowells or any creditor to bankrupt you in relation to 3 smallish debts totalling £1500 (ish) which they have rolled up, which will now cost you over £20k due to the various costs. It is not a proportionate way of dealing with the debts.

 

http://www.barprobono.org.uk/

 

http://www.lawworks.org.uk/

Edited by ims21

We could do with some help from you.

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Unfortunately you just can't say it was fraudulent and get everything dropped.

 

The Particulars of Claim were wrong so you had a Defence there.

 

You did not know about the Hearing so the Judgment should have been set aside. I don't know what your lawyer was doing. The set aside hearing should have been just that, with you being given more time to prepare a proper Defence.

 

You may be able to complain about the Judge, but you will not be able to do that on your own because you need someone who can make the right legal arguments to get the original case and the subsequent bankruptcy set aside.

 

A lot of people who have some legal knowledge have looked at your thread today and the fact that they have not commented means that it is probably beyond most people here to give specific advice. There are some others who may help, but if they can't you really will have to try and find the money - family loan? - to instruct someone to act for you otherwise you are in great danger of losing your house.

 

What has happened is shocking and I would hope there is some action that can be taken but you really may need to (somehow) pay for proper legal representation.

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You may be surprised that there are many lawyers out there who will be willing to do work on a free basis, if they have a chance of winning. This is because they have special interest in dealing with such cases and with debts it will be often the case that the person won't have the money to afford their normal fees. Contact the links I provided in my previous post and they may be able to put you in touch with Solicitors. But it is always a case that any Solicitor will want to look through all of the paperwork, before they decide whether or not they can help.

Edited by ims21

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I would like to add in more detail that

 

i was given all the paperwork in this case by my solicitor and i have been through it over and over again and

 

what i did find strange and i touched on this earlier was that in the papers sent by lowells solicitors was two copies of alleged original credit agreements

but both had different dates on them and signatures were slightly different a

s one has my middle initial and the other doesn't i have always signed my name with middle initial.

 

But even more stranger than that both copies had the same bar codes at the bottom??? In both copies the text had been shrunk to unreadable and it did not seem to be set out right almost squashes into page.

 

Any comments about there being two agreements please .:gossip:

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I would like to add in more detail that i was given all the paperwork in this case by my solicitor and i have been through it over and over again and what i did find strange and i touched on this earlier was that in the papers sent by lowells solicitors was two copies of alleged original credit agreements but both had different dates on them and signatures were slightly different as one has my middle initial and the other doesn't i have always signed my name with middle initial.

 

But even more stranger than that both copies had the same bar codes at the bottom??? In both copies the text had been shrunk to unreadable and it did not seem to be set out right almost squashes into page.

 

Any comments about there being two agreements please .:gossip:

 

Without seeing them it would be difficult to comment. These are the Cap1 agreements ?

 

Why would there be 2 agreements ? Can you remember what process you followed to sign up for the account ? Did you sign in two different places when sending the forms back ? Was one for a different application e.g DD for PPI cover. Do you use your middle initial for your banks DD payment authorities.

 

Getting the bankruptcy annulled is going to be very difficult and will rely on a Solicitor with in-depth knowledge of court/insolvency procedures. I suspect that they will only succeed based on process, rather than issues directly related to the debts. Though obviously it helps if you have a case that needs to be addressed by the court.

We could do with some help from you.

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The two agreements are identical in appearance word for word and even have the same bar code at bottom but have different dates in the signature box and two different ways of my signature and both have a different authorised date ??

 

And i only ever had a capital one card and only had one signature box. also when capone replied to my PPI request they sent me only one copy that was signed with middle initial but still did not resemble what i remember signing back in 2006??

 

But i do agree with your comments and take it on board about fighting this with a lawyer who deals in these cases as the one we had and recommended by Law Com was not up to the challenge.:twitch:

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No its the absolutely same word for word except for date and signatures and yet the security bar codes at bottom are the same?? impossible

right??:suspicious:

 

But i do take on board your comments to me and feel this would be the only way to go and i thank you for that:hug:

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No its the absolutely same word for word except for date and signatures and yet the security bar codes at bottom are the same?? impossible

right??:suspicious:

 

But i do take on board your comments to me and feel this would be the only way to go and i thank you for that:hug:

 

Because DCAs use reconstituted copies of agreements and often 'cut and paste' the bits they want to use, it is not at all surprising that you will get two different versions of an alleged agreement. What Lowells have done here by lumping three alleged debts together should not have been allowed, but they got away with it by playing dirty and that is what they do. They'll use any tactics they can to get money. They got lucky because you missed the original hearing and there was no defence.

 

A couple of the legal guys are looking at your thread this morning and I'm sure they will have some thoughts.

 

Hugs,

 

DD

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HI Guys.............

 

Yes that is what they want,

 

just today i've had an email from trustee saying there is nothing i can do except pay or she is going to court to force a sale

and after all these bills are paid i won't be getting much of my half of the equity back!

 

THE TRUSTEE TOLD US LAST YEAR IT WAS HER INTENTION TO FORCE SALE FOR MY EQUITY,

SHE KNEW EVERY DETAIL OF OUR MORTGAGE AND HAD EVEN PUT HER OWN INSURANCE ON IT......:-x

 

The point i was making about the two copies i have of Capone CCA was

 

how can it be to have two with different dates and different signatures

even if it had been cut and pasted

 

the second one must have been forged because its not my true signature?

 

And the CCA date they have stated i have defaulted on does not appear on the second one:?:

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Have you phoned the Pro-Bono legal people yet ? If not, I would suggest you do this asap.

We could do with some help from you.

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The county court judgement was 6 June 2012 at 11. am and lasted 20 mins.

I found out when the letters started coming from land registry department and insolvency letters and the the phone call from the Trustee in Leeds letting me know she wanted my equity in my half of property.

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I have not yet as i have been speaking to my local MP this morning and he is horrified.But i intend to phone them once my Grandchildren are not here as i don't want them to know :juggle:

 

I have 11 Grandchildren( not all here now of course) but i have 3 here staying till tomorrow.But if i get chance i will ring one .

 

I am overwhelmed by all your support on here Guy :-D

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