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

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Egg are so far 43 days late with my CCA request


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I CCA'ed Egg on the 9th of July but to this day I have not received anything, that's 43 days since my request.

 

I sent the Letter 1st class recorded but via Royal Mail tracking, no information indicating the letter was delivered so I put in a claim with Royal Mail for a refund.

 

They have returned to me with proof that the Postal Order which was sent with the CCA request, has been Banked!.

 

Please can some one update what to do next.

 

Many Thanks

 

Mark

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I CCA'ed Egg on the 9th of July but to this day I have not received anything, that's 43 days since my request.

 

I sent the Letter 1st class recorded but via Royal Mail tracking, no information indicating the letter was delivered so I put in a claim with Royal Mail for a refund.

 

They have returned to me with proof that the Postal Order which was sent with the CCA request, has been Banked!.

 

Please can some one update what to do next.

 

Many Thanks

 

Mark

 

Well Egg have now broken the law because:

 

a) they've not responded to your CCA request

 

b) have cashed a postal order which was not meant for payment on the account

 

c) have not supplied a signed CCA which means the debt is not enforceable so they should never have cashed the postal order.

 

I think these is a follow up letter you can use?

:!: Activ Kapital 2009 - £316 debt cancelled due to no credit agreement

 

:!: TNC Legal Collections (Swinton) - £61 written off due to complaint being upheld with the FOS

 

:D Be Happy and treat people exactly how you would like to be treated

 

:mad: Don't let people take advantage of you and stand up for your rights and beliefs

 

:p You only live once so don't take things so seriously

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  • 1 month later...

I'm still waiting for my CCA request to be honoured, the follow up letter time scale of 14 working days has once again expired on the 12th Sept 09. The follow up letter was also not showing as delivered on Royal Mail track and Trace, but the orginal request was not showing as delivered either but royal mail confirmed postal order was banked so I have made a compensation claim with royal mail to see what they say about the delivery.

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Well Egg have now broken the law because:

 

a) they've not responded to your CCA request

 

b) have cashed a postal order which was not meant for payment on the account

 

c) have not supplied a signed CCA which means the debt is not enforceable so they should never have cashed the postal order.

 

I think these is a follow up letter you can use?

 

 

Incorrect, Incorrect, Incorrect.

 

There is no law that has been broken.

They have simply failed to produce a valid CCA in reply to your request within the time limits.

 

A simple Letter that cerbs has posted you, should be sent to them via recorded delivery, this then places the account in dispute and demands that they do not pursue any futher collection activity on your 'alleged' account, including marking your credit file adversley.

 

Katpuss, not responding to a CCA request is not against the law, who has said the postal order was cashed against the account?? Even if it was, again this is not against the law, and cashing a postal order and failing to supply a CCA is still not against the law!

 

I trust you mean well, but there are those who might take your advice as gospel and end up in a worse position through bad advice, unless of course you have documented evidence and links to your advice??

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'm still waiting for my CCA request to be honoured, the follow up letter time scale of 14 working days has once again expired on the 12th Sept 09. The follow up letter was also not showing as delivered on Royal Mail track and Trace, but the orginal request was not showing as delivered either but royal mail confirmed postal order was banked so I have made a compensation claim with royal mail to see what they say about the delivery.

 

So long as you have sent them the Account in dispute letter that Cerbs linked above then you do not have to do anything further.

 

The fact that you have sent all your correspondence via RD, whether it shows up or not is proof of sending, so do not worry, this is thirty more times DCA's go to tthe trouble of sending out their threatogrammes.

 

You've sent them correspondence via RD, got proof, and I assume you have a copy of what you have sent them?

 

Place the account in dispute, and wait until they either provide you with a 'legally valid CCA' or close their files.

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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  • 2 weeks later...
  • 8 years later...

Please can someone give me some advice.

 

Received "Letter Of Claim" from Howard Cohen Solicitors today who have been instructed by Hoist Portfolio Holding Ltd, who purchased an ex Barclaycard acc.

 

Im sure this account is Statute Barred as no payments have been made to the account or acknowledgement of the debt in the last 8 years.

 

Only problem I had was about 2 years ago when Barclays took out £700 from another account and applied it to this account, but I got them to overturn this and move the funds back to the original account.

 

I dont know what to do, pls can anyone help

 

many thanks in advance

 

M

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10/10 for getting that money back!!!

 

If its now sb'd (as that payment/reversal doesn't count) send our SB letter

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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had to remove your images

can yo pop your images into one pdf please and attach them.

read upload

 

posting images from hosting sites directly viewable in the msg box forces people that do not have fast internet to slow

and those on mobiles to p'haps waste their bandwidth and money.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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great thanks

yes that's a PAP letter

 

when was you last payment?

 

this is what you do

https://www.consumeractiongroup.co.uk/forum/showthread.php?481827-The-Pre-Action-Protocol-for-Debt-Claims-is-made-by-the-Master-of-the-Rolls-as-Head-of-Civil-Justice.-1st-Oct-2017

particularly the last posts

 

obv don't request docs they have already supplied

 

reviewing the old merged thread here

I suspect this is now statute barred

you can send them our statute barred letter

in the debt collection section of our library.

 

as for your response form:

 

tick d

I dispute this debt because ...it is statute barred,

 

tick box 8

 

I have enclosed the following documents.. FCA Conc Statute barred letter

 

do not sign the letter print your name only

 

you don't need to provide proof of SB, that's upto them to disprove.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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nope

nope

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Please can someone give me some advice.

 

Received "letter of claim" from Howard Cohen Solicitors today who have been instructed by Hoist Portfolio Holding Ltd, who purchased an ex Egg/Barclaycard acc.

 

History...

16/6/2009 Received “Default Notice”

7/7/2009 I sent letter to Egg requesting the CCA

8/8/2009 I sent letter to Egg requesting if I could make token payments to the account and they accepted

20/8/2009 I sent letter to Egg informing them they have entered default for not providing CCA, I sent another letter stating this on 6/10/2009, a follow up letter on 19/10/2009 as no response.

15/10/2009 Letter from Egg stating what they sent constituted as a copy of the executed agreement (which I never received)

1//2/2010 Received another “Default Notice”

2/3/2010 Egg card terminated

4/4/2010 Finally received a response for the CCA request but only received, which seems to be an agreement/terms of conditions with my name and address printed on and pages of terms and conditions. The signed agreement was not included.

4/2/2012 Received letter from Barclaycard stating they are taking over Egg

22/7/2013 Received letter from Barclaycard informing they have passed acc to Robinson Way for collection

26/7/2013 Received letter from Robinson Way requesting payment

29/7/2013 Sent letter to Robinson Way requesting the account be returned to Barclays for resolution

25/2/2015 Barclays transferred £700 from another account to this account to set off against the balance but after speaking to them on phone they reversed the payment.

9/8/17 Received letter from Barclaycard informing me the acc has been transferred to Hoist Portfolio Holding Ltd who are the new owners

10/8/17 letter from Robinson Way stating their client (Hoist Portfolio) have instructed them to agree with me a payment plan

25/9/17 Letter (Pre-Legal) from Robinson Way stating the acc meets their criteria to be considered legal account and if no payment plan is agreed they will instruct Howard Cohen & Co Solicitors.

28/11/17 “Letter of Claim” received from Howard Cohen & Co Solicitors informing me their intention to issue proceedings in the County Court

 

Should I send the PAP form from this group stating acc in dispute as no signed agreement has been received when the CCA was originally requested?

 

many thanks in advance

 

Mark

 

(sorry for the confusion with the other thread)

jpg2pdf.pdf

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