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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...
    • 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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Drydens for Max Recovery - MBNA card Default On Credit File


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I have been in writing to Drydensfairfax Solicitors back in March 2016.

 

They are acting on behalf of their client Max Recovery Limited who purchased a debt.

 

I had previously asked them for a credit agreement and copy of the deed of assignment.

 

Back in March 2016, they wrote to me in reply.

 

They provided me with a basic office copy of a credit agreement.

 

They claimed that their client, Max Recovery, had provided them with a copy deed of assignment, and that they had attached this to the document for my perusal.

 

Upon checking the documentation, this assignment was not present as stated in the covering letter.

 

For the past year, I have had no response from Drydensfairfax.

 

Today, I checked my credit agreement, and I am horrified that they have placed a default on my credit file on the 30th May 2017.

 

Under section 87(1) Consumer Credit Act 1974, I have NOT been provided with a written default notice prior to this default being placed.

 

Can anyone please advise me what to do next as I feel that the default is illegal!?

 

The other concern is that Drydens should not have put the default in their name as the debt belongs to their client Max Recovery Limited.

 

Am I correct in thinking Drydens have done this default incorrectly it should be their client!?

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they havent placed anything on your credit file they cant

the original creditor defaulted the debt when they sold it on.

 

what was the original debt all about?

 

who are drydens stating is their client?

 

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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The default went onto my credit file on the 30th May 2017.

 

Prior to this no written default notice has never been received.

 

Max Recovery bought the debt in late 2012, Drydens are a firm of solicitors acting on Max Recovery's behalf to reclaim the debt.

 

As Drydens don't physicall owe the debt they can't put the default on surely its illegal?

 

Origional debt is an unsecured credit card opened online in around 2011.

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who with - whos the original creditor?

 

the original creditor would have defaulted you in 2012 before sale

that's an updated default date.

 

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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read what I've already said twice now again..

 

a debt buyer cannot default you.

only the original creditor can.

 

the fact that the debt didn't show until of recent is of no importance.

 

have you moved since you took that card out?

max recovery are really a very lowlife DCA

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 many more times...DRYDENS DID NOT PLACE THAT DEFAULT.

 

MBNA defaulted the account before they sold it MAxy in 2012

that date is an updated default date -

 

and it doesn't even say drydens on your credit file either I bet?

why do you keep insisting they place it there?

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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Share on other sites

The default is showing as Fairfax Solicitors!!

 

Here's my Noddle credit Report showing Drydens Default registered 30th May 2017:

 

Other accounts

 

LENDER

 

BALANCE

 

UPDATED

 

STATUS

 

Fairfax Solicitors LTD

 

£ 931

 

30/05/2017

 

Default

 

Name

 

Account type

 

Bank Actually unsecured credit card

 

Account number

 

**************2585 0

 

Account start date

 

08/12/2011

 

Opening balance

 

£ 969

 

Repayment frequency

 

Monthly

 

They are saying account defaulted in August 2012.

 

Why have they suddenly put this on my file!?

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they are the owners they can do that.

 

have you moved since you took this card out...

 

nice to see you've finally understood how to read your credit file properly too..

 

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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oh now you tell us .....

 

it should be the date of the IVA commencement

but that's for MBNA to sort out .

 

you could complain

but by the time you've done that November will be here anyway.

 

did you complete the IVA?

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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then the default date being the start of the IVA [or because of that] is irrelevant

the IVA failed.

 

ok so alllll the way back to the start again...

have you moved since taking this card out?

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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Share on other sites

who were they?

 

 

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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Share on other sites

According to Companies House Fairfax Solicitors Ltd was dissolved via voluntary strike-off 01 Oct 2013,

 

Your Credit File should reflect the owners name IE Max Recovery Limited....Solicitors shouldn't have access to credit files...they are not a creditor nor do they hold a credit licence .....nor the assignee of the debt....or anything in this case being dissolved.

 

What date did you actually default on the agreement when it was was with MBNA ?

 

Regards

 

Andy

We could do with some help from you.

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bottom of post 11 andy.

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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So only 5 years late in placing the default:wink:

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

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wasn't there a whole portfolio of the MBNA cards that were sold in 2011/12 to max recoveries/eversheds etc wasn't it

and there was something dodgy about the whole sale.

 

the 2012 default on this one tallies with that time period

so MBNA defaulted the lot and sold them on.

 

was there not also something about Fairfax becoming drydenfairfax too them later only drydens they dropped the Fairfax bit.

 

i'll have to go search credit today I think it was

there was some naughty exposure of directors etc..or something

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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Share on other sites

I dont think MBNA have ever managed to to get the process of default correct to this day or understand the CCA1974.

 

It could be that they have changed name to drydenfairfax...but its irrelevant they shouldn't have any contact with credit reference agencies

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

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no correct, but they'll just change it to max recovery.

 

somethings twitching my spider sense on this

 

it'll come to me.

 

sure it was a court claimform thread too

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... 

Link to post
Share on other sites

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... 

Link to post
Share on other sites

According to Companies House Fairfax Solicitors Ltd was dissolved via voluntary strike-off 01 Oct 2013,

 

Your Credit File should reflect the owners name IE Max Recovery Limited....Solicitors shouldn't have access to credit files...they are not a creditor nor do they hold a credit licence .....nor the assignee of the debt....or anything in this case being dissolved.

 

What date did you actually default on the agreement when it was was with MBNA ?

 

Regards

 

Andy

 

The account is showing on the entry that it went into default on 3rd August 2012.

 

This date is wrong because I actually defaulted on the 1st June 2012 when the IVA came into effect.

 

The debt was then sold sometime afterwards to Max Recovery Limited.

 

I telephoned Drydensfairfax Solicitors yesterday and they did confirm it was them showing on my credit file.

 

So legally, where do I stand with this issue?

 

Can I sue Drydensfairfax for damaging my credit file when they don't even owe the debt!?

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"The account is showing on the entry that it went into default on 3rd August 2012.

This date is wrong because I actually defaulted on the 1st June 2012 when the IVA came into effect."

 

Ah so its not recently been placed by Fairfax in May 2017..but was entered by MBNA on 3rd August 2012..it is normal to be 2/3 months after default.

 

You cant sue Drydensfairfax ..they haven't damaged your credit file...but simply inserted their name in place of MBNA after the debt was assigned.

 

Your only argument is that it should be Max Recovery and not Fairfax....not that it makes much difference to you,,,but the ICO may be interested

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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