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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...
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Lloyds Debt sold to cabot, now resolvecall


TheUnknownStuntman
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Good Afternoon everyone.

 

As the title says, My wife was struggling with a credit card with Lloyds which she contacted them and they started the process of stopping the card and put the account into default.

 

recently she got a letter from Wescot saying that the debt is now being managed by them.

 

She recently has just started a new job and got her first wage. spookly, acouple of days after, wescot have texted her saying please get in contact so we can review your account.

 

she is scared that they have seen money come in and she worry's about anything and I have told her to ignore the text but just wanted to make sure.

 

We are not even sure how Wescot have her mobile phone number

 

Thanks Guys

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Deal direct with Lloyds if and when required to......safe to ignore Wescot.

 

 

Andy

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

 

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as with all the advice on your NatWest thread..

the same applies here

 

you totally ignore wetcloths

they don't buy debts

only chase for their stated 'client'

 

a DCA is NOT A BAILIFF

 

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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ring and ask hows it going

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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  • 3 weeks later...

Morning Guys, I know this is off topic but I am wondering if you kind gentleman can assist me once again.

 

RBS have replied to my PPI claim saying that I cancelled in the cooling off period and got a refund,

I have no recollection of this and basically they are saying that if I want to contest it then I have to prove it.

 

I have attached a copy of the letter. again I have no recollection of cancelling it, let a lot taking out ppi in the first place.

 

what options do I have if any ?

 

Again guys, thanks for all your help with everything.

Edited by TheUnknownStuntman
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youll have to get all the statement via an sar and prove otherwise

attachment hidden name showing

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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  • 1 year later...

Hi Guys, Need your sound advice again,

 

The Mrs got into trouble paying her credit card and spoke to lloyds and arranged to pay Lloyds back £5 a month. This was a few years ago. Then Wescot starting sending her mail but we ignored it.

 

My Mrs still pays Lloyds back £5 a month however recently she got a letter from Cabot asking her to contact them about the debt and they have taken over from wescot. I tore up the letter thinking its just another DCA. Now they have been attempting to ring her.

 

She is worried how they got her mobile number. Did I do the right thing? is it just another DCA trying to get her to pay more. Like I said she still pays Lloyds £5 and hasn't missed a payment.

 

Any help would be greatly received, Thanks

Edited by TheUnknownStuntman
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  • dx100uk changed the title to Debt with Lloyds - now managed by Wescot

old and new threads merged.

the debt has been sold now

so time to send cabot a CCA request.

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 didn't say send wetcloths a CCa request

because wetcloths don't buy debts they only chase for their client..whom at the time were the original creditor.

 

cabot buy debts and you would have gotten a notice of assignment to tell you so

 

as this has changed hands now.. CCA request time.

 

this has already been explain if you read from post 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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just type no need to hit quotes...

 

you should never talk on the phone about your debts to ANYONE

least of all a ZERO powers DCA

they are NOT BAILIFFS.

 

a cca request is for paperwork..they must legally hold to fleece you.

not a payment offer.

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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Get reading up

Cag is selfhelp too

 

They have 12+2 working days

To reply with enforceable paperwork

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...

Cabot have sent another letter today, it says that they are aware we have been paying lloyds and to contact them to redirect the payment.

 

Im hoping they get my CCA letter and put 2 and 2 together as the only reference is the name on the letter and the account number.

 

i didnt use their reference number.

I guess i do nothing and wait still.

Letter was sent in the 17th of this month.

Is it 12+2 days I wait ?

 

Thanks again for all you help.

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Working days

The rest is not your problem

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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Received this letter today. Theres 2 accounts numbers on the letter, one is with i think theirs account ref no and the other is original account number which is not what we have the original account number has. The CCA request has the proper original account number on. Do I still ignore and wait for something regarding the CCA request from them.

 

https://www.dropbox.com/s/873eiz1348xtkiv/web.png?dl=0

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Its just a statement of account

you dont need to hide dates figures etc

only pers info.

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

  • 2 weeks later...

I sent the CCA on the 18th of March and the only correspondence I have had from Cabot is a letter offering to clear the debt by only paying a third of it.

 

I am concerned that they have not put two and two together and do not realise the CCA I sent is from us, if that makes sense.

The only reference number I put on the CCA is the original credit card lloyds account number.

I didn't use any of the ones the Cabot have for us.

 

Other than that is our first and surname on the bottom of the letter. 

Maybe I should write back asking for an update on the CCA but include their reference numbers ?

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no!!

they are quite aware of their legal requirements.

don't be afraid of powerless DCA's

they are not BAILIFFs

and have ZERO legal powers.

 

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 cca = no pay!!

scared of what??

 

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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