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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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Never been in debt, WHY do I have a 'Very poor' credit score?


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Hi,

 

I have difficulty getting credit, couldn't even get a contract from Orange, but Virgin Mobile took me on! Anyway...

 

Having checked on Experian, I have a score of 540! Which is Very Poor.

 

I have NEVER had a credit card, I have an overdraft of £600 which has been paid for the last 2 months. I have NO loans. I AM on the electoral roll. I am 20 years old this month. I DO have a generous income and I DO have every intention of paying my bills.

 

The only credit accounts I have now are SKY and VIRGIN MOBILE. 6 months ago I missed 2 payments with Virgin Media (Telewest) but both were paid by debit card the day after I noticed the Direct Debit had bounced.

 

I have applied for several small loans and credit cards over the last 12 months. It is really getting on my wick because I need finance of £3500 to buy a used car as I am starting work as a private hire taxi driver.

 

My friend is 21, 4 credit cards, £1000 overdraft, missed LOADS of payments in the past (12 months ago) and he has the same score as me.

 

Please help me, I feel like I am getting no where. Is anybody else in the same boat as me?

 

Thanks,

Nick J

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Try asking your current bank for a credit card.....if you have a Debit Card / Cheque Guarantee card the next step for the bank to add value to their service is usually for them to give you a credit card....

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I have applied for several small loans and credit cards over the last 12 months.

And if you have been declined for them this hurts your credit rating. You need to allow at least a few months between each.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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this credit score thing is ridiculous, my boyfriend has never been in debt in his life, never had a loan and never had a credit card, however he has a house and has never missed a mortgage payment - but guess wot he has been refused a credit card !

 

people that dont have loans, credit cards etc , often get refused cos the lenders cant see how they have been running credit agreements and they have a low credit score as they havent had a lot of credit.

 

shouldnt it be the other way round? it seems the more in debt you are to credit cards and loans the more credit you can get ????

 

i would try and take out a small loan of 500.00 and start to build a credit rating for yourself. DO NOT ring round to try and get a loan, this will damage your credit rating even more.

 

as for your overdraft even though you have ran it well, bank overdrafts often dont show on your credit file.

 

you need to build it up slowly i am afraid and then you will be able to get credit.

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Much as I hate to, it might be worth trying to get some easy credit items just to build up a bit of a credit history. Crapital One have a "guaranteed" mastercard which they will give almost anyone although you may have to pay a deposit or alternatively the catalog companies (littlewoods, etc) offer credit to almost anyone with a pulse (including an old neighbour of mine's pet cat) which you could use just to build up some good payment history. What you need is regular monthlty payments to an account not a one-off borrow money and repay it all. Good luck

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You think 540 is bad? Ive got a rating of about 330. Ive had one loan of £1000 which was paid in full over 1 year and 1 credit card which has no missed payments. Im also on the electoral roll.

 

The only thing this score can be down to is the fact that I made a few loan and credit card applications in the months running up to xmas last year - and I was turned down for them all. Its ridiculous.

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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Well good to see its not just me, thought I had done something wrong! I have made quite a number of applications in the last 12 months which is probobly what is down to, the number of 'footprints' on my account.

 

As I said I did have Virgin Media for a year, had Vodafone for 18 months, never missed one payment with them! and that was £40/month. I did try and get a £800 loan before xmas actually, and I got turned down. Will just have to wait and see. Not fair in my opinion, like you said, will just have to wait :(

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So does this credit scoring mean the higher the figure the better ?

D'OH - I always thought it was the other way around, the lower the better...:p

Recently got told my scoring was 800 something & I got turned down for changing gas / electricity suppliers (new supplier did a credit check and didn't want me although I wanted to pay by monthly DD), then I tried another supplier and they took me no problem. Different thresholds I suppose

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