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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
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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.              
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Halifax Loan & intrum - now Link - now Statute Barred


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  • 1 month later...

update:

I just received a letter saying the new company name is Intrum.

Letter came from their legal dept.

 

I've sent no payments and haven't sent in a cis sheet either. Charges would be over £200, totalling over £600 in ci - but still a lot less than outstanding interest accrued outstanding balance they were (are) claiming.... (6k+)

Their last letter said they were waiting for the DN from the original credtor - which 3 months later they still have not sent.

Should I just continue to sit on my hands to see what they produce?

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You mean intrium justika?

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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No

They say 1stcred has changed name to Intrum.

Or is that the same as you just said?

 

I just checked intrum website.

The swedish company intrum justitia has a uk office in reigate, surrey, called Intrum - which is the same address as 1st credit.

So I guess 1st cred just got bought out?

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Really I'll have to go check credit today later

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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A quick deeper search shows IJ completed the purchase of 1stcred 1 year ago. It has obv taken a further year to change the name.

I have no knowledge of IJ at all.

Any idea if this will make any difference to the fact I am still waiting on the original creditor to send the DN?

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None IMHO

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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We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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  • 1 year later...

Thanks Andy

 

I just received a sols letter from the same group that did the same 3y ago - a PAP with lots of attached sheets to fill in for the courts and i&e.

 

I haven't made any payments in almost 3y - but I have received several requests for payment and offers of discounted f&f - to which I never replied.

 

I can't scan any details until tomorrow (if required).

In the meantime - I can confirm that they have only sent a sheet which shows payments to 1stcred (intrum now) since they bought the debt.  They don't show any other details about the debt from beforehand.

 

The letter does say:

'if you require a written copy of the agreement our client will request it form the original creditor'...

'if you have made an offer of payment this letter is sent because our client does not consider the offer to be reasonable'

'if our client has received instalments the letter is sent cos you failed to keep up with  your arrangement'

'our client confirms that no charges or interest have been added since the date of assignment, although court costs will be added "if we are required to commence court proceedings" '...

They continue to ask me 'to call them to avoid proceedings and judgment and to discuss payment options'....

they want me to fill in 'their enclosed statement of my financial situ sotheir client can fully consider my offer in accordance with my circumstances'.....

 

Is all the above, just regular threat-o-gram?   Is it the same as I have read elsewhere that I need to reply differently using the cag response, not theirs?   It has been such along time that I have forgotten what I have previously done....

 

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its a letter of claim isn't it (the title) 

so post 2 here

 

 

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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why is it a nonsense letter:noidea:..its a letter of claim.

 

 

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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  • 2 weeks later...

I am just trying to get on top of this issue.

I've had a Sols letter, PAP, and am trying to sort out my response within the 30 days.   (Letter dated 13th)

 

I have checked previous communication from the dca/ debt purchaser (intrum)

The last letter they sent me end 2019 stated:

"Unfortunately, further to your request for a default notice, the original creditor is unable to provide this due to the age of the default.  However, we would  inform you that as the Loan Term has expired there in requirement to provide you with the same.

In light of the above and the enclosed invite you to put forward an affordable offer of repayment"

 

It is really badly written.  Not quite sure what they mean by 'Loan Term has  expired there in requirement to provide...' ??

 

Just as a reminder because this thread is years old - It was a consolidation loan with repayment schedule over 7y, starting in 2003.

Paid for 5y+ as requested (til end 08).

The DCA stated they have previously provided:

- a signed agreement and

- statements demonstrating how the debt accrued.

The statement pages they have previously provided show monthly payments made as should/ then nominal amounts - til mid 2017. Nothing since.  Apx £6.5 outstanding

 

Is it important that they have not got the DN ?

 

Should I resend CCA request to these Sols?  Or again to the dca/purchaser?

And fill out (site) PAP - ticking D & I  - and send this to the Sols too??

 

What do I put in D, dispute because...???

What do I put in I, also require?? (if the dca had already sent some things...)

Edited by HP Mum
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  • dx100uk changed the title to Intrum and Halifax Loan

for debt covered by the consumer credit act:

 

send a cca request along with the completed form: (last one was 2017)

 

NOTE ONLY USE THE ATTACHED FORM below

DO NOT USE THE FORM SUPPLIED BY THE DCA IN THEIR PAP LETTER!!

DO NOT USE OR GIVE THEM YOUR EMAIL/PHONE NUMBER.

USE ROYAL MAIL 1st class - get free proof of posting from any PO counter

 

box D tick

 

I dispute this debt because.. the debt purchaser has yet to provide any or all of the required compliant documentation.

 

box I tick

I have requested by way of a cca request the signed agreement from the debt purchaser [CC is attached to this reply form]

 

I also require you to supply the following..

 

A copy of the Default Notice

A copy of the Notice of Assignment

A complete set of statements detailing exactly how the debt has accrued detailing:

All Transactions.

Any additional charges, be them by the original creditor or you xxxx the debt purchaser or any predecessor DCA.

Details of all contractual interest added by whom and on what date.

List of ALL Payments made toward the Agreement

 

no need to do the financial statement etc anything else or send anything else bar the above

do NOT give them your phone nor email

PRINT your name

never sign the form

 

staple the £1  PO to the CCA request and send it to the debt purchaser

return the completed PAP form below to the solicitors that sent it to you

attain free proof of posting for BOTH at any PO counter

1st class mail will do. recorded is a waste of money

 

reply form PAP.pdf 312.93 kB · 155 downloads

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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how long have you been on CAG?...

 

without a valid dn enforcement is not possible sec 87/88 cca

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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  • 4 months later...

Update

 

Never had a reply to the cca request sent start March

 

Received 2 letters in last 2 weeks from Intrum:

1) a legal dept letter - offering 30% discount off balance

2) an annual statement - showing no transactions!

 

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  • 3 months later...

They don't seem to be letting this go

I received a letter from Intrum again in August.   I ignored as they had never sent me the DN.   

However, I just checked my credit file - and it shows a "search" by Intrum (debt collection) in September.

 

They know they haven't complied.  I filled in the forms I should in Feb.   So why are they doing credit searches?

Should I reply - reminding them they never sent a DN and to go away until they do?

 

Edited by HP Mum
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Never start pointless letter tennis with a dca.

 

dx

  • Like 1

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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