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    • Should this to be take into court with him or should he send something in earlier?
    • 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.              
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Cca request


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Made a CCA request to the RBS back in Feb 2015 for an alledged debt of a loan,

 

 

Received the usual were trying to locate the original but it may take some time.

 

 

..roll forward to today 1/05/2015 received this letter from the RBS

 

Please find enclosed a 'true copy' of the credit agreement and a schedule of arrears as requested.

 

This is as they have written-

 

When responding to requests under section 77 the bank may provide you with a 'true copy' of your agreement

in accordance with regulation 3(1) of the consumer credit (cancellation notices and copies of documents)regulations 1983.

 

 

This means that under section 77 there is no obligation for the bank to provide you with a copy of the original agreement bearing your signature

. A 'true copy' does not need to contain any personal information relating to you as the debtor

nor does it need to include a signature box, any signature or dates of signature.

 

We trust this is satisfactory,

 

Then asks me to contact them if I have any queries....

 

The next page is a copy of the personal loan agreement typed out with my address in it, loan amount etc

Next page confirmation of personnel details...

completely blank nothing filled in along with the income and expenditure section nothing it it blank

 

Then a couple of pages of General Conditions

then a couple of pages listing each month since I took the loan amount

showing the amount to be paid..

.any arrears

but nothing showing charges etc,

 

 

There has been charges added considering the loan is now more than the original amount and a quarter had been paid off.

 

What do you think the next step is?

Have they complied with my CCA request,

giving nothing with a signature on/date,

nothing showing terms and conditions were agreed to,

 

Or are they hiding behind the bumph above?

 

To be fair the RBS are saying we can send an alledged debt to whoever we wish bearing no signature no date no signed/agreed

to terms/conditions and your to pay it or agree to it or not.

 

Any help appreciated guys/gals.

Edited by sikez2012
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Any chance you can scan and post up what they sent, suitably redacted of course.

 

When did you take this agreement out?

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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It was taken out in June 2012

 

 

Basically the paragraph that I have written is the only one on the letter sent...plus we thank you blah blah at the beginning and we trust this is satisfactory at the end

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Any chance you can scan and post up what they sent, suitably redacted of course.

 

When did you take this agreement out?

 

 

Just sorting the scans out now..many thanks

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Did you take it out online?

 

If the agreement was taken out post 07, then the CCA will be water tight, and what they sent you will suffice if they want to take further action.

 

So a new angle of attack is needed.

Are RBS still the owners of the account?

How much is it?

Has it been defaulted and marked on your credit file?

Have you been paying anything towards this?

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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RBS are still the owners

 

 

Taken out in-branch

 

 

Does post mean before 2007? the loan was taken out in june 2012

 

 

Nothing has been paid since feb 2013

 

 

Loan now stands at £10,525,01

 

 

Arrers £6783.89

 

 

Yes marked as default

Edited by sikez2012
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No post means after 2007.

 

How much was this for?

 

Have you spoken to RBS regarding setting up a payment plan?

 

Did you advise them that your financial situation had changed and you were having some difficulty?

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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The original loan was for £10k..basically I had to leave my then partner of 4yrs due to his son(in prison indefinetly) abusing my then 11yr old daughter...as you can imagine total melt down and had to setup a new home for my children at whatever cost.

 

 

Managed at first but couldn't keep up,hrs reduced at work then made redundant so on benefits although I do work 16hrs a week but still not alot left and with other debts to which I pay £1 per month its starting to take its toll so if I can resolve this one a massive help or if they go down the route bankruptcy?

 

 

Offered them £1 per month but obviously they want more but have no more to give.

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If you're simply relying on benefits, then they CANNOT demand any more than £1 a month.

 

IMO, I would simply write a letter outlining your circumstances, that you receive benefits, which is what the corrupt rotten to the core government claim is the minimum you need to live on, therefore, you will generously offer them £1 a month as a gesture of goodwill (GOGW), for the foreseeable future or until your circumstances change, on which you will inform them.

 

As a reciprocal GOGW they will stop all interest and refund any/all charges that have been levied on the account.

 

Then set up a standing order NOT a DD!! To pay them £1 a month, if they attempt to take you to court whilst you're generously paying them what you can realistically afford, then the judge will hopefully take a very dim view of this unethical bank.

 

Ooh, as if by magic,.... http://www.consumeractiongroup.co.uk/forum/showthread.php?387358-Request-to-make-%A31-token-payments-for-X-Months-**Correct-as-at-October-2013**

Use that above, edit to suit...

 

Now what other debts do you have that you're paying?

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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