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    • Hospital car parks are no place to employ sharks, at least in Wales Hospital parking is free, and PPCs verboten.
    • Update:   A couple of weeks further along, and the charge has now been cancelled. In that regard alone the outcome is acceptable.   In the interim ...  There have been additional demands from CPP/PE in the most glorious and laughable obfuscated prose/legalese I have pressured PALS I have chased past correspondence I have contacted other Execs I have involved my MP who has now acted I had primed the local newspaper who was planning a piece this week   However ...   - PALS didn't respond until I complained in person after almost 2 silent weeks; then promised to help and a couple of days after that advised that the Hosp had said thye had no authority over the Parking Co. I told them the hosp had told them wrong, explained why and pressed them to go back ... since when I have heard nothing despite chasing them. - UHCW Trust Estates & Facilities Dir. is yet to respond, though contact was *only* a week ago. - UHCW CEO/Chief Administrator has never acknowledged/replied-to any of my letters/chases. - UHCW CEO/Chief Admin reacted immediately to MP letter however by passing it and my correspondence to Estates and Facilities Dir to deal with, who in turn replied to MP with cancellation, who yesterday copied that to me for confirmation received this morning.   Passing thoughts ...   - People who could/should have been dealing with it for the injured party elected not to. - PALS has good intentions but is useless if they don't have a leaflet on it - will follow the Hosp line on everything else without questioning their words. - The Trust's Administration is not approach-friendly, in this instance stating "... car parking managed by a Private Finance Initiative Service Provider"  and that therefore  ".. Trust has no power ...  in the processes applied by CPP .." Oh, really?!  - Trust accepted CPP's word that the equip't was not faulty as claimed, not the rather more reliable word of a visitor having been put to considerable inconvenience at 5 a.m.and who went to some length with staff to deal with it instead of buggering off home. - CPP "have agreed (to cancel) as a gesture of good will." WHAT?! THEIR good will? THEY are willing to let MY failings pass and kindly make allowances? Couldn't be more self-delusionarily wrong!   Sadly, I can guarantee that what is actually important in all of this will not get any attention   - providing an alternative payment method for patients/visitors for when the equipment malfunctions ... at any time not just the wee-hours ...  and tell staff ...  and put notices up. - UHCW taking any notice of their culpability in CPP's unlawful breaching of GDPR in accessing keeper details now that it has been brought to their attention. Head In Sand.       All of this comes of course from pulling-up the drawbridge and deny, deny, deny. It is the knee-jerk response of almost all large organisations, but one for which there should be no place in a Hospital Trust that should strongly want to distance itself from uncaring attitudes and irresponsible practises.   Anyway ...   Anyone finding this because of a similar issue of their own, my strongest advice is to heed the advice given to you on this forum - it put me straight on to the right path and got rid of some nervous uncertainties which makes all the difference to peace of mind, something that CPP relies on to add pressure for those who aren't aware of what's what.   My thanks again to all who kindly helped.            
    • At the investigation yes, they are seeing if they can build a case.   Like the police interview you before deciding if you are going to be charged. Not everyone is charged as some people have done nothing wrong!   If you tell people what the investigation is about before they go in, a proportion will use that knowledge to prepare really good lies. That's why companies don't do it.   I would have a read up on the ACAS site of guidelines for both investigations and disciplinaries.    https://www.acas.org.uk/index.aspx?articleid=1874
    • So they've back-tracked on their original statement that his insurance has been voided. If it's not been voided and was in force at the time of the accident there is no role for MIB. MIB gets involved if a driver was uninsured at the time of the accident, but 1st Central are now telling you he was insured. In the response you have had from MIB that is what they say, he was not uninsured. Whoever it was who told you that the policy had been voided was, by the sound of it, telling you something that simply wasn't true.   I've never heard of 1st Central but from their website it's clear they are an insurance broker not the actual insurance company https://www.1stcentralinsurance.com/who-we-are  As a broker they are acting for their client, the driver, and have no duty to be impartial in considering whose fault it was.   So looks like you have no option now other than to start a small claims court action against the driver.
    • Pass all of these letters to mib when you start the claim. Eventually they will have to pay up.
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mikeymack2002

Mental Capacity and debt

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Whilst looking to help a new poster I came across this very good PDF and I am hoping it will be of some use for the forums if so please feel free to read share and use it.

 

 

It is a very good document about how debt could/should be handled in 12 steps and 12 questions from The Royal College of Psychiatrists and has many case studies for reference and has the names of some well known DCA's EA's and other institutions.

 

 

This is a 2nd edition of the document and was published in November 2014. It will pay anyone reading the attachment to read it entirely before posting thoughts back.......

 

 

Your thoughts please


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A note to site team if this is of use in other forums please feel free to move this thread as I chose this one as a lot of posts are made here, but may be of use elsewhere


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Great find both.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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No link mikey


OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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It was there at one time but here is the PDF I think is the same I linked to originally

 

 

Original link http://webcache.googleusercontent.com/search?q=cache:vaDO9m8w6goJ:www.rcpsych.ac.uk/pdf/Debt%2520and%2520MH%2520-%2520evidence%2520report%2520(10_12_17).pdf+&cd=1&hl=en&ct=clnk&gl=uk

Edited by mikeymack2002
added a link

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That's better :thumb:


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Six months have passed since I made this post and only now are the DCA's doing something about it, maybe just maybe it could happen. I have started a post on this here http://www.consumeractiongroup.co.uk/forum/showthread.php?451299-Awards-ceromony(3-Viewing)-nbsp


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Not sure where to post this argument here on this thread or the other one in the bailiff section so have decided here and to link to this thread for further discussions...

 

 

I think this is an important to add here due to the thread and other things so your thoughts please... See below for the link...

 

 

http://blogs.lexisnexis.co.uk/randi/...cial-receiver/

 

 

The link to a case referred to in the above can be found here

 

 

http://www.mentalhealthlaw.co.uk/Haw...1)_EWHC_36_(Ch)

 

 

Although this case is significant in as much was for bankruptcy it can easily be used for all levels of debt and with that in mind this info could be of use for many....


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the first link you provide mm is quite worrying.

 

Not only was the petitioning creditor aware of Mr Brister's mental health problems and didn't put them before the Judge in time, but the Finance company was also aware of the problems that Mr Brister didn't understand the terms of the loan in the first place, they had him as working 16 hours per week when in fact he was retired.

 

Sadly Mr Brister died and it was left to his nephew as Executor to bring this back to the court.

 

The 2nd link appears to be broken.


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Uploading documents to CAG ** Instructions **

 

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

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Debt Diaries

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4: Staying Calm About Debt

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2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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the first link you provide mm is quite worrying.

 

Not only was the petitioning creditor aware of Mr Brister's mental health problems and didn't put them before the Judge in time, but the Finance company was also aware of the problems that Mr Brister didn't understand the terms of the loan in the first place, they had him as working 16 hours per week when in fact he was retired.

 

Sadly Mr Brister died and it was left to his nephew as Executor to bring this back to the court.

 

 

The 2nd link appears to be broken.

 

 

As normal you find something good it gets messed up so here is the ruling as a PDF see below... This is why I prefer to add the PDF before the link breaks...


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I think that needs several readings before understanding will set in, MM :)


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I am currently on my 3rd reading already sorry for the homework... ;) there is even more to this lot as well....


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But the longest read is on this one Mental Capacity and Deprivation of Liberty, a consultation paper 2015 see the link or the PDF as always. It is a huge read so very sorry for that....

 

 

The second is on Mental Capacity and Finance here in Essex a useful read....

Edited by mikeymack2002
added links

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Why thank you, MM :lol:


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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It is a huge read so very sorry for that........

 

I'm sure we can pick out the salient points tho, cheers MM, (I charge £45 an hour...:kiss:


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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My fees are interest free and read now get for free hahaha.... 0% APR zero zilch nadda


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Further reading for those interested regarding debt and the MCA the FCA uses this as well and can be found in CONC 2.10 or here if you want an easy link to it see here https://www.handbook.fca.org.uk/handbook/CONC/2/10.html

Edited by mikeymack2002
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Excellent find, that!


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I can go one better I hope you like the link too see here https://www.handbook.fca.org.uk/handbook/CONC/7/10.html

 

 

PDF from here https://www.handbook.fca.org.uk/handbook/CONC/7/10.pdf

 

 

I have added CONC 7 in its entirety as well... See second PDF (1st one)

Edited by mikeymack2002
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style="text-align:center;"> Please note that this topic has not had any new posts for the last 1399 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

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