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    • 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...
    • I would say You should accept it - I HIGHLY doubt you will  be able to claim for letters at trial ans they’re offering you that, which is higher monetary value than interest.   Also they raise a good point, getting interest at anything above 4% is lucky these days, yes judges give it, but rarily above 4%   Also you might find depending on the judge  you don’t get some costs if you take it all the way over £7.40 when court woukdnt award letters costs and thus meaning their award would be less than evris offer which was made    Up to you though but the wait will be 3-4mo for a trial date at least
    • Hi Folks, Been 162 days! Just by way of update. Today I received a text from Opos Ltd so no doubt Capquest are renting the debt out to anybody who fancies a nibble. Safe to say I will not be responding.
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lenny100 v Credit infomation bureu


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Have received a copy of the loan agreement from this firm but i have found its has changes and has information missing.

Can i claim against this as the information changes make the agreement void?

 

 

loan amount changed from £2925 to £3925 ( Not sure which was written first or second)

 

also selected method of payment not filled in

 

also signature look dodgy

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  • 4 months later...

is anyone any further investigating this company, companies house states that the company was setup in Aug 2006, so not even established for over a year yet, but i won't hold that against them, however what i will say is, there is no information anywhere, apart from directory services that mentions this company, are they real, or an attempt by cdl to threaten consumers by posing as a collection agency, or computer center as it says at the top of my letter received this morning.

And.. are does the wording make any sence at all.

 

"The Credit Information Bureau, "

(business buzzwords to suggest they are a high status credit research and information specialists)

 

 

"National Credit Register and Computer Centre"

(sounds like their status is on par with those of Equifax, Experien and Call Credit, however again, no searchable information regarding this company, and whats this "Computer Center" business, what the hell is a computer center, probably an internet cafe somewhere in Hitchin, hey heres one for you, put the post code "SG4 0EB" in google maps or google earth, and check out that lovely house that this long established, high status company occupies as its registered business address.

 

I'm sure i started this post asking a question, oh well what the hell, I recommend find out who this company is, after I received this letter, It did bring me back to earth the fact that I still had a debt for a crap course supposidly paid for by a government funded loan, which I was supposed to be paying back, but instead owed Career Development Finance the outstanding balance, but a little investigation, has made me realize how funny this actually is, so this week I shall get to the bottom of this company.

 

Oh yeah question was has anyone dealt with this newly setup business or even paid them?

 

Gav

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they say i took out a £2400 career development finance agreement in respect of a scheidegger computer course, as i have been unemployed because of a mental health problem for 14 mounths i cannot see how this is possable.

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"National Credit Register and Computer Centre"

Gav

 

This name borders on the dishonest. The National Computer Centre (NCC) is an internationally recognised security and telecommunications centre, originally set up to do top secret technology research and development (read: spying) in the cold war.

 

AFAIK, The National Credit Register and Computer Centre has no relationship with the NCC.

  • Haha 1

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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  • 1 month later...

Um... it's too small, can't read it:)

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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  • 2 weeks later...
bump

 

it SEEMS like they have made a mjor blunder, since (ahem) they've got (a) scribbled all over the total credit, (b) got the total amount payable wrong, and they also seem (from what i can read) to have got the monthly repayments wrong.

 

but I would post this up in the consumer credit agreement thread, because the rules may be different for a non-commercial agreement.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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  • 2 months later...

Hope you don't mind me bumping this thread but I have some dealings with this outfit too.

 

I was doing a course with Scheidegger and they stopped returning coursework, I resubmitted it (twice) and I never got it back marked so I stopped paying. Thought that might provoke a response. I got a couple of letters from Career Development Finance Ltd. but I ignored them. Then I got one from BST Credit offering me reduced payments and a complete restart to the course. This I accepted and started paying them £40 a month but NO COURSE. I stopped paying again and got a letter 12 months later from The Credit Information Bureau offering me exactly the same, £40 a month payments and a complete restart of the course.

 

I declined and got a threat of court action from them. I then asked for a copy of my agreement (not a proper CCA request, I wasn't a CAG member then) and heard nothing more until today.

 

Letter from The Credit Information Bureau saying their client Career Development Finance Ltd (formerly BST Credit Ltd) will accept my request to cancel upon payment of a cancellation fee of £75. If I pay within 7 days the full balance will be cancelled. They then thank me for settling this matter out of court so that the credit default can be removed.

 

Now I'm totally confused.

 

My agreement was with Career Development Finance - I was contacted by BST Credit after I stopped paying (how can they be the former company?)

 

I have never asked for the agreement to be cancelled, I asked for a refund under the supply of goods and services act at the same time as I asked for a copy of the agreement.

 

I've never had a default notice.

 

Please can somebody help me sort out this bunch of muppets.

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just had a smiler letter my self saying i could go on with a course for £ 40 per month after they have had legal advice, sound like i am on a identical path to you

by the way put their post code into google earth etc. and have a look at their "OFFICE"

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Yeah, looked at the "office".

 

Not sure to do with this one and hope someone will give me some advice.

 

I've found my copy of the credit agreement with Career Development Finance Ltd. and I have to admit it seems to be okay. It's headed Credit Agreement Regulated By The Consumer Credit Act 1974 and has all the prescribed terms (I think), only things missing are description/production code (so not 100% specific what it's for) and the agreement number. The figures are correct though.

 

Should I risk sending the DCA a CCA request also asking for a statement of account, default notices and Deed of Assignment and hope their filing system isn't as good as mine?

 

or

 

Should I accept their offer to write off the balance, remove all defaults so long as I pay £75 admin fee (that's the stumbling block).

 

This DCA is not hassling me at all and I can't help wondering why. I still owe them £1300+ so why have they offered to write off the balance instead of aggressively chasing me for the debt?

 

Please, any advice would be appreciated.

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Yeah, looked at the "office".

 

Not sure to do with this one and hope someone will give me some advice.

 

I've found my copy of the credit agreement with Career Development Finance Ltd. and I have to admit it seems to be okay. It's headed Credit Agreement Regulated By The Consumer Credit Act 1974 and has all the prescribed terms (I think), only things missing are description/production code (so not 100% specific what it's for) and the agreement number. The figures are correct though.

 

Should I risk sending the DCA a CCA request also asking for a statement of account, default notices and Deed of Assignment and hope their filing system isn't as good as mine?

 

or

 

Should I accept their offer to write off the balance, remove all defaults so long as I pay £75 admin fee (that's the stumbling block).

 

This DCA is not hassling me at all and I can't help wondering why. I still owe them £1300+ so why have they offered to write off the balance instead of aggressively chasing me for the debt?

 

Please, any advice would be appreciated.

 

 

sounds like they know they cant win why else are they willing to wright off £1200+ pounds?

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Thanks lenny100, I know you are in the same position with this DCA. I don't know why they are doing what they're doing, this is what's weird.

 

I had NCO on my back over a Capital One debt and they were aggressive. Sent them a couple of Curlyben's letters and they appear to have passed it back to Crap One. I've since followed all the correct procedures and am filing the N1 in court next week for charges + CCI.

 

This DCA (The Credit Information Bureau) don't fit the usual pattern of things. I do owe them over £1300 and if they have a copy of the agreement I have then they can enforce the debt. Why the hell would they offer to write off £1300+ and offer to remove all defaults from my credit file for an admin fee of £75?

 

That is my problem, when you are on benefits, that £75 might as well be £75,000, fact is, I don't have it.

 

What don't they want to pursue this? What have they got to hide?

 

I sincerely hope that someone can shine a little light on what's going on here.

 

If someone thinks I should eat bread and jam for a few weeks and pay these buggers off then please say.

 

Lenny100 and myself both know however that the courses we signed up for were crap and that we could have a case for a full refund of what we've already paid under the supply of goods and services act so PLEASE can anyone help us out.

 

Ta in advance.

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I have decided not to take up their offer - why wouldn't they be chasing me if they have an enforceable agreement?

 

I would like the credit agreement, deed of assignment, statement of account and default notices among other things. Would I get all these if I S.A.R. them or do I need to send a CCA request and S.A.R?

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  • 2 weeks later...

An update after I sent The Credit Information Bureau a S.A.R. saying I wanted all data they hold. I received a reply today.

 

They say that all requested correspondence requested has been sent to me previously ??? I have had NOTHING apart from a few threat letters demanding payment. They also confirm no data has been passed to 3rd parties and that my outstanding balance has now been cancelled. They also say my credit rating is unaffected and they returned my 10 quid.

 

I am tempted to accept the situation but my OH thinks I should push for a refund of what I've already paid under the Supply of Goods & Services Act. Any thoughts?

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