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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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Hi,

I hope I have posted this in the rigjt place.

 

I wonder if anyone can help me.

 

I was served a default notice by Nationwide in December of 2007 for arrears on a personal loan account.

 

I eventually managed to bring the account up to date but in 2011 defaulted again

and was served a default notice in July 2013.

 

I have read on other threads that an account can not be served with more than one default notice.

 

Is this correct ?

 

if the account was brought up to date then defaulted again?

 

I have the paperwork for both defaults which state different amounts being owed but for the same account.

 

Also if it is correct that I should only have one default

then what should I do to get this changed on my credit file?

 

I am working hard to pay off the amount still owed and also on another couple of debts.

 

I have 3 defaults in total on my CF

but the other 2 are 3 years old so I am half way to cleaning my file.

 

Another question that I have is that

 

it will probably take me another 3 years to clear the debt,

will the monthly DF on my credit file mean that even in 3 years my when the DF fall off

I will still be in a bad position as the debt will only just be paid?

 

Sorry for the multiple questions.

 

Any help would be very much appreciated

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All references to a defaulted debt must be removed from your credit files after 6 years has passed from date of default,

whether paid off or not.

This is so that someone who continues paying something even after 6 years from default should not be at a disadvantage

to someone who pays nothing after default and ends up with a clean file after 6 years.

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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Hi thanks for the reply, the 2007 default is not showing on my CF but the 2013 one is. So can they do that? Serve 2 defaults on the same account?

 

Essentially it looks like they have defaulted me twice, but only the 2023 one is on my CF. Is this because I defaulted then brought the account up to date then defaulted again?

 

*2013 not 2023 obviously :-D

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they cant change the original defaulted date.

 

so if it was defaulted in 2007

and you did not rectify that default in the first 14 days

it would have been registered.

 

when that default reached its 6th birthday the account should have VANISHED

 

complain to them.

 

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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no the debt just should not be showing

 

just because a debt is not on your cra file

 

does not mean it does not exist

 

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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Ok you're probably right.

 

I really need some advice on my debt and where I stand with it all.

 

Could you recommend an organisation that can help?

 

I need to know the best way to clear this debt.

 

One is for an overdraft and I am so I am not even sure how much the monthly repayments should have been.

 

I am getting married this year and I really want this all delt with so I can start a fresh

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tell us about your debts please.

 

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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£850 to M&S credit card,

 

£2240 to Lloyds TSB over draft,

 

£1994 to Nationwide (this is the default account)

 

was made redundant on medical grounds in 2010 due to brain tumour and couldn't pay.

 

Back working full time now.

 

M&S and LTSB have defaults from July and October 2011.

 

I want to know the best way to tackle all of this debt so that I can get my credit performing again as quickly as possible.

 

Any help would be great.

 

No PPI owed on M&S or Nationwide and can't see anything on LTSB that would suggest ppi on the overdraft

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there p'haps light on the NW default situation.

 

but the other two

theres little you can do to get them removed.

 

have you paid anything on any of them since when?

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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I am on a very small repayment plan but it is only £5 a month on each so

 

I will be very old before they clear at this rate.

I am in a position to increase.

 

When I look at my CF it shows as DF each month on these accounts.

 

Would it be best to get them satisfied ASAP or does the monthly df not affect as badly as the main default?

 

I was thinking that if I satisfied them all as soon as possible then it would help then just 3 years till the remaining df notices fall off.

 

I would need to borrow that money from family if I was wanting to pay it all off immediately

and I am not 100% sure that would be an option.

 

I just want to know whether it matters how quickly they are paid now so long has gone past - in terms of my CF

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the killer will be the default date in each debt summary.

 

it will matter not what you do

 

paid or not

 

the default remains for 6yrs

 

on the defaults 6th birthday

the WHOLE ACCOUNT VANISHES

paid or not.

 

if you three debts all have defaulted dates in their summary line

paying them off wont improve anything on your rating.

 

bottom line sadly.

 

are these all still with the original creditor & not with DCA's?

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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Hi Sorry I wasn't alerted that you responded.

 

All accounts are now with DCA's. So

 

if I understand you correctly,

I should just remain on the payment plan that I have as no matter what I pay for the next three years it is not going to improve or worsen my CF?

 

Then I will just continue to pay them the £5 a month if that is the case.

 

Also could you point me in the direction of who to write to, to have the default notice date changed back to the 2007 date on the Nationwide Account?

 

Thank you so much for all of your help,

 

this site is so amazing!

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if all your accounts are with DCA's

I would seriously consider a CCA request to everyone of them.

 

in relation to the default date issue

you need to complaint to nationwides compliance manager.

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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click it and read

 

if whom you pay do not hold the required signed agreements then they have no legal right to demand money from you.

 

DCA's are NOT BAILIFFS

and have

 

NO SUCH BAILIFF LEGAL POWERS

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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sadly no

 

who are the DCA's you are paying please

 

and when were these debts originally taken out and with whom? [original creditors]

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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KPR are nationwide

 

urn AK eh..well known cash cowers ..we call them A Kleeners.

 

BMS a name I've not heard in years.

 

who's listed as the owner on the cra file for the M&S card?

 

looks like an SAR might be in order to each ORIGINAL CREDITOR too

 

if theres penalty charges involved 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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Penalty charges....repeating my stupidity here :???::oops:

 

Oh the BMS has been sold on to Idem Capital Securities

 

Strangely the Nationwide account is still showing on my CF as being with Nationwide but I have letter from KPR showing them as having the debt. I am getting this information from Noddle.

 

So to be clear,

 

I should send CCA requests to KPR and Idem Capital Solutions?

 

I know that M&S don't have a copy of the original signed agreement as I sent them a SAR last year

and all they could supply me with was print outs of statements historically.

 

I am not sure about penalty charges though.

I am pretty sure all of them put penalties onto my accounts for non payment.

 

Also should I be double checking the dates of the defaults?

 

I have no paperwork from any of the other ones showing that they were going to default my account.

 

I am very good at keeping paperwork and I have both DF notices for Nationwide....

 

The M&S card was taken out around 2002,

 

the Nationwide loan was 2005 and

 

the Lloyds TSB account was from 2004...

 

What should I do about the Lloyds TSB overdraft..

.nothing?

Edited by dx100uk
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for whomever you are paying the M&S card to..send a CCA request.

 

sadly I think on this I think you are being cash cowed.

 

......................

 

as for the Lloyds OD now owned by AK

pers i'd stop payments, but that's your coice

 

if LLoyds sold it years ago

no doubt its 90% bank charges

typical for Lloyds to sell these on

 

i'd start a new thread in the Lloyds forum for this one

then we can get the paperwork up.

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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Sorry what do you mean by cash cowed?

 

I will send a CCA to M&S,

 

should I also do this for Nationwide?

 

How can I just stop the payments to AK?

 

Will they not come after me?

 

I was very seriously ill and the debts defaulted because I was made redundant on medical grounds with a brain tumor.

 

The debts have caused me to have serious anxiety to the point that I am now agoraphobic.

 

I am scared of these companies and what they will do to me.

 

I couldn't cope with the letters and phone calls starting again....

Edited by dx100uk
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Sorry what do you mean by cash cowed?

paying for a debt that does not legally exist.

 

I will send a CCA to M&S,

you said you were paying BMS?

who are you sending the money too?

 

should I also do this for Nationwide?

you cannot CCA a bank account.

 

How can I just stop the payments to AK?

if they have been fleecing you blind you can!

 

Will they not come after me?

 

seems to me you've fallen for the oldest trick in the book

scary threat-o-grams that say everything bar WILL anything.

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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