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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. 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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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    • 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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Co-op Current account/Personal Loan merged upon default.


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Ive decided to nip this is the bud before it spirals out of control.

 

Lowells wrote to me...again today (the usual junk).

 

Ive been looking at similar threads but can't find anything.

 

When my account was defaulted back in 2009,

i had a loan with them,

they plonked the personal loan into the current account and piled it all together, totalling around £4300.

 

The account number Lowells have supplied corresponds to my old current account.

 

I'd like to know how exactly it added up to that much.

 

I have read that i can't send a CCA?

 

I sent off for a SAR a about 6 weeks ago,

i received a response about 2 weeks later that they couldn't find anything within 6 years.

 

They needed account numbers, previous addresses and needed me to sign the SAR,

i have done so and returned it to them today recorded delivery.

 

I'd like to get Lowells dealt with before they even pick up momentum.

 

Thanks :-)

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You can send a CCA to Lowell as there was a Loan involved.

Coop in theory shouldnt have merged the 2 accounts but they have.

 

Raise a complaint with Lowell if you are unhappy as I would imagine they now OWN the debt.

Check your credit file and see what appears on it.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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You can send a CCA to Lowell as there was a Loan involved.

Coop in theory shouldnt have merged the 2 accounts but they have.

 

Raise a complaint with Lowell if you are unhappy as I would imagine they now OWN the debt.

Check your credit file and see what appears on it.

Didn't think of that. It says current account on Noddle.

In theory, if it owes that much on a current account would that be overdrawn?

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The letters I received (2 of for 2 different debts with them, both identically worded).

 

We want to help you clear your account.

 

We know it can be hard managing your finances and we are willing to be flexible with you. However we do need to hear from you so that we can set up an arrangement and prevent any further action taking place.

 

This debt is not going to go away and ignoring the problem could make things worse for you. We have said in previous we require payment in full or if you cannot shots to pay it off in one go you can pay monthly.

 

Pay from £1 per day.

 

On so on ....

 

Bearing in mind the last 2 identical letters I received were from them 3 months ago saying they were escalating the accounts to their legal department (Hamptons).

 

 

I'm currently defending another account they via Bryan Carter, not sure if they know this? (Claim has been issued and I've refused their consent).

 

I've not bothered to contact any creditors in 3 years or more.

 

Do I issue them with CCA's just to shoot them down at range?

 

I racked up a lot of debt back in 2007 and lost track of anything. I want proof of what is what.

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Point out the merging of the accounts to Ms Sara de Tute Director of legal and compliance at the Lowell Group.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Point out the merging of the accounts to Ms Sara de Tute Director of legal and compliance at the Lowell Group.

I don't have any proof of this. I just vaguely remember this happening I think.

The account numbers are the same as my old current account, I know this because I still have my very first debit card.

 

I did consider sending the "prove it letter".

Wanted to seek advice off you guys before proceeding.

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Yes send the prove it letter, remember to refer to "the alleged debt" and do not acknowledge any liability, send to Ms de Tute.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Yes send the prove it letter, remember to refer to "the alleged debt" and do not acknowledge any liability, send to Ms de Tute.

I'll get that typed up later :-)

 

Regarding the other identical letter I received for an old credit card, would that call for a CCA or prove it?

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If you know what they are begging for, and it is a CC (pre2007) then you could send them a CCA request, using whatever reference/account number they have quoted.

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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The merging of two entirely separate accounts, which fall under totally different parts of the CCA, and will have different T&C's is a definite no non.

The FCA would take a very dim view of this, and if they were ever dumb enough to con a judge into attempting to enforce this, then he wouldn't be too pleased either when it is pointed out to him.

 

I would just be demanding the CCA under whatever ref/account number they have quoted, and see how far they get with that.

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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The prove it letter went out today altered to suit me. Went 2nd class recorded.

Let's see where it goes.

My second SAR is in progress so I'll see where that ends up.

I'll be requesting the CCA I think once she replies.

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  • 2 weeks later...
The prove it letter went out today altered to suit me. Went 2nd class recorded.

Let's see where it goes.

My second SAR is in progress so I'll see where that ends up.

I'll be requesting the CCA I think once she replies.

I think it's got lost?

 

Item ABCD1234 was posted at "your local store" on 15/04/14 and is being progressed through our network for delivery.

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I think it's got lost?

 

Item ABCD1234 was posted at "your local store" on 15/04/14 and is being progressed through our network for delivery.

A thought did you use an address for Lowell with a PO Box number? There is always a problem with RD letters when these are used with Lowell also with 2nd Class RD delivery will be affected by the bank hols.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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A thought did you use an address for Lowell with a PO Box number? There is always a problem with RD letters when these are used with Lowell also with 2nd Class RD delivery will be affected by the bank hols.

 

In my experience, it's a euphemism for, "we think that we have lost it, but it could be that we delivered it, but couldn't be @rsed to get a signature, after all, you're only a customer, in truth we don't know, and don't care"

 

I have a pile of slips here, that have brought the same result

 

Sam

All of these are on behalf of a friend.. Cabot - [There's no CCA!]

CapQuest - [There's no CCA!]

Barclays - Zinc, [There's no CCA!]

Robinson Way - Written off!

NatWest - Written off!

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A thought did you use an address for Lowell with a PO Box number? There is always a problem with RD letters when these are used with Lowell also with 2nd Class RD delivery will be affected by the bank hols.

I took the address from this thread:

http://www.consumeractiongroup.co.uk/forum/showthread.php?400441-Unknown-default-from-Three

 

Address:

 

Private & Confidential

For The Personal Attention of

Ms Sarah de Tute

Director of Legal & Compliance

The Lowell Group

Enterprise House

1 Apex View

Leeds

LS11 9BH

 

Suppose its had 6 working days.

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Another possible alternative:

 

What would happen if the loan was paid using the current account, leaving the current account overdrawn and the loan paid?

 

I'm going to give the letter til the end of the week, if no response of signs of delivery i'm just fire off a CCA request.

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This happened to me with a HSBC account.

 

I did a SAR but it wasn't particularly illuminating.

 

I can only assume that they used their right to set off the balance of the loan to the current account (effectively they paid the loan off).

 

I have yet to see case law or a good explanation of why this is a no-no (although I have seen a lot of opinions from some very well experienced and qualified people). I have been trying to find this information in a format that could be used in a defence to a claim.

 

In my case, the sum demanded from the DCA contained the whole of the balance of an account covered by the relevant sections of the CCA , so I requested a copy of the agreement and the notice of assignment so that I could confirm the sum demanded and their legal right to do so. They failed on both counts.

 

I disputed the "account". Unsurprisingly, they have not been able to resolve my dispute.

 

Another possible alternative:

 

What would happen if the loan was paid using the current account, leaving the current account overdrawn and the loan paid?

 

I'm going to give the letter til the end of the week, if no response of signs of delivery i'm just fire off a CCA request.

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I have yet to see case law or a good explanation of why this is a no-no (although I have seen a lot of opinions from some very well experienced and qualified people). I have been trying to find this information in a format that could be used in a defence to a claim.

 

So have I !

 

Pretty much it can be argued that, a Loan has it's own T&C's with it's own interest rate, whereas an Overdraft, will have a completely different set of T&C's and interest rate.

 

So to amalgamate them both together without your knowledge would leave you at a serious disadvantage, and this would be deemed unfair practices using BCOBS, or if a credit card has been lumped in with an overdraft it would be questionable under COBS.

 

Plus it goes without saying that if they have fabricated a new acco8unt number, then any request for the CCA using that Acct number will be impossible to provide, not only that you will be able to show that you a) didn't sign the agreement, b) Knew nothing of it until they merged two separate account and gave it a new Acct number.

 

The reason that there is no case Law regarding this, is simply because they have been caught out prior to issuing legal proceedings and their legal teams have advised that they should indeed separate the accounts and chase individually, this is especially important when they have merged accounts to bring the total balance above £750. (The BR threshold)

 

That's my opinion on it, well how I see it, hopefully I'm not too far from the truth?

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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Well the account number in question relates to the old current account.

 

I'm awaiting the second shot at the SAR, and the first response from the SAR is that because so much time had passed, nothing was available.

 

Do i send a repeat "prove it" to Ms De Tute as i don't think the first will arrive, or just send a CCA request?

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No I would wait, let sleeping dogs lie.

 

The longer they take to respond simply shows just how 'urgent' and 'important' these issues really are.

 

Letter tennis is tedious and expensive.

 

As for SAR's 40 Calender days in which to comply, or it gets escalated to the ICO for investigation.

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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No I would wait, let sleeping dogs lie.

 

The longer they take to respond simply shows just how 'urgent' and 'important' these issues really are.

 

Letter tennis is tedious and expensive.

 

As for SAR's 40 Calender days in which to comply, or it gets escalated to the ICO for investigation.

*IF* the letter has actually been received. I want at least one letter on their desk.

At least if i send a CCA it has a countdown timer with it?

 

Opinion?

 

SAR #2 has been 14 days.

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So did get a response from the "prove it letter" today, and i send the CCA letter yesterday :lol:

 

Pretty generic letter, not even from MS De Tute, pffffft.

 

Thank you for taking the time to contact us recently.

 

I confirm that your complaint has now been passed to the customer relations department who will carry out a thorough investigation. We will investigate this as quickly as possible as we can but we may need to contact you for further information or to provide you with an update. (Oh really, you bought the "debt", and you hassle me, and yet you need me to provide you with info. You guys need to get things in order before you start these things)

 

If we can contact you by telephone, we will be able to discuss your concerns directly with you and hopefully agree a resolution with you verbally (yeah and thats as good as the paper its written on). This is the quickest and easiest way for us to resolve this for you.

 

I would like to assure you that the account will be place on hold, and we will stop all collections activity whilst dealing with your complaint.

 

We enclose a copy of our internal complaints procedure for your information. Please take your time to read this, as it explains fully the steps we will follow in responding to your complaint.

 

In the meantime, if you have any queries please do not hesitate to contact my team by calling the free.....yes free! telephone number which brings you directly through to the customer relations department.

 

Questions:

 

Will receiving the CCA letter this week affect this response?

 

And i have another "proof letter" winging its way to just Lowells P.O Box this week, i assume that i'll just get a repeat response of this?

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Tim... who is the complaints advisor here who is dealing with it?

Id give them a little chance here, I actually think Lowell's CR is reasonable for what Lowell are.

 

But also i agree that it should be kept in writing :), But like i said they did wonders for me :)

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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