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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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    • We have finally managed to obtain the transcript of this case.

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Welcome Finance - This company needs to be banned.


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Apologies guys but I have to say that very often I flick onto this site without signing in and so will be seen as a guest which I'm guessing a lot of people also do. That's not to say that Cattles/Welcome staff don't also come on here but they could come on as a registered user anyway. It just really frustrates me that sometimes it feels as though a priviledged few have access to information which could in fact help many others?

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hi jb9876

 

we know welcome are a regular on this thread, there are a few of us who go to the bare bones with welcome.

 

we are not keeping things to our self

 

when the time is right all info is posted

 

a few caggers have court claims for instance

 

certain info we wait for months and months, then it falls into our lap

 

we need clearence to post that sort of info

 

i myself have no dealings with welcome now

i do it for

 

REVENGE:-D

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Apologies guys but I have to say that very often I flick onto this site without signing in and so will be seen as a guest which I'm guessing a lot of people also do. That's not to say that Cattles/Welcome staff don't also come on here but they could come on as a registered user anyway. It just really frustrates me that sometimes it feels as though a priviledged few have access to information which could in fact help many others?

 

With all due respect I really hate it when people infer that we (including me) are being selfish. I do a lot of work on this forum and have helped a number of people especially with this company - however there are somethings that cannot be discussed on forum - whilst I appreciate so guests are legitimate I also KNOW that Welcome are on this thread regularly and therefore I chose what I want to put in public and what I don't and do not think I should be judged for that.

 

If I was I would take my information and help of forum completely sort out my own case and think screw everyone else - but I dont - I''m on her daily helping in a variety of manners and what goes on behind the scenes is generally for the greater good.

 

I'm sure you are aware of case law and precedents being set - some of us are in court and are about to set some and then Welcome will be coming down to earth with an almighty bang and everyone will be able to take advantage of this.

 

So perhaps people should have a little more patience.....

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just a small tip,

 

If you have a welcome loan agreement which has an acceptance fee on it, then get all the documents together and somewhere within it you will have a sheet which breaks down the payments. in that sheet it will say

 

 

Repayment £xxxx

Acceptance fee £4.05

PPI £40

 

Total monthly payment £216.60 for example

 

now if you take £4.05 and multiply it by the loan, in this case which i have its 180 months, you get the outcome of total acceptance fee payable £810 NOT £235

 

this is also sufficient to render the agreement UNENFORCEABLE

 

 

HTH

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Ok well DG have sent me a letter called Policy Schedule which was dated yesterday and addresses like a letter. It is trying to be a schedule of Insurance but not sure if it fits the bill and will be getting it checked out.

 

What I don't understand is why after DG and Welcome constantly insisting it is nothing to do with Welcome, yet it has Welcome's letterhead and name all over itand no mention of DG.

 

The way they add some figures in underneath relate to the car finance which any insurance broker would not need to include.

 

In my opinion a very poor effort Welcome.

Must Try Harder!!!!!

Direct Auto Finance & DLC dispute ongoing.

Offer with confidentually agreement from DLC / DAF DECLINED :D

Please PM me if you have any cheap rate or 0800 number for DCA's to add to my list and also to my website

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Hi HTH,

 

Excuse me if I am a bit thick on this but when I multiply £4.05 by 180, I make it £729.00 not £810.00 !!!

 

I am probably missing something anyway ...Duh :confused:

 

Take care

 

Voda

 

 

just a small tip,

 

If you have a welcome loan agreement which has an acceptance fee on it, then get all the documents together and somewhere within it you will have a sheet which breaks down the payments. in that sheet it will say

 

 

Repayment £xxxx

Acceptance fee £4.05

PPI £40

 

Total monthly payment £216.60 for example

 

now if you take £4.05 and multiply it by the loan, in this case which i have its 180 months, you get the outcome of total acceptance fee payable £810 NOT £235

 

this is also sufficient to render the agreement UNENFORCEABLE

 

 

HTH

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Hi Paul,

 

Many thanks for your answer.

 

I get it now, I think !!! ;)

 

Take care

 

Voda

 

HTH = Hope This Helps lol

 

but it was an example for illustration purposes only, i was merely pointing out that they are in error

 

Regards

 

Paul

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just a small tip,

 

If you have a welcome loan agreement which has an acceptance fee on it, then get all the documents together and somewhere within it you will have a sheet which breaks down the payments. in that sheet it will say

 

 

Repayment £xxxx

Acceptance fee £4.05

PPI £40

 

Total monthly payment £216.60 for example

 

now if you take £4.05 and multiply it by the loan, in this case which i have its 180 months, you get the outcome of total acceptance fee payable £810 NOT £235

 

this is also sufficient to render the agreement UNENFORCEABLE

 

 

HTH

 

Hi everyone - I have not posted for a while (I have been fighting a losing battle with HBOS to reclaim bank charges)

 

Our complaint is currently with the FOS regarding this acceptance fee business and our account still in dispute (even though Welcome says it isn't)

 

I just wanted let you know our final response from welcome on this stated that our agreement is enforceable as they have written on the agreement that interest will be charged on the outstanding daily balance and the acceptance fee. They also state that this is ok because it is no less prominent than the rest of the terms and conditions.

 

Now we have advised them that we will wait and see what FOS has to say before the dispute will be resolved as of course they are going to say their agreement is enforceable.

 

Do you think they a right or are we right to keep this in dispute?

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The old rules apply to agreements made prior to april 2007, therefore if PPI was not a condition for making the agreement then the agreement could be potentially unenforceable. Breaches in the execution of the Act.

 

Anyone wants a good read I would strongly recommend the following large binders............

 

I purchased the following books Encyclopedia of Consumer Credit Law by A G Guest & M G Lloyd ( Sweet & Maxwell) Volume 1&2

 

Also Consumer Credit Legislation by Goode Volume 1,2,3

 

I have been researching the consumer credit act for a while now and I cannot believe the number of credit agreements which could be rendered as being unenforceable.

 

I sometimes wonder why personal loans need to be on variable rates? is this because they increase the APR when someone dont pay up? mmmmm I wonder.

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Millymo

 

Welcome Can Put What It Likes On An Agreement

Does Not Make It Legal

 

Its All Smoke Screen And Mirrors Again

 

Keep It In Dispute Until You Get The Word From The Fos

 

Thanks Post - That is what we were thinking - I was kind of hoping Welcome would have disappeared by the time the FOS reached a decision. It might happen yet though - I guess we will find out in next few weeks :)

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Mine is with the FOS to be honest im not to hopefull of getting the result I want from them they seem to tread on egg shells around these companies will probably need to take it to court but wait a little longer for the FOS decision first

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