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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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NatWest CRA markers***Resolved***


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Hi Folks,

 

This is my first post on this site so I apologise if I haven't posted in the right place or if I don't use the correct terminology! I will do my best.

Also I a big thank you for all the great advice!

 

I have two issues I'd like some advice on but I will deal with them separately.

 

1. In January 2013 I received CC papers issued by a solicitor acting on behalf of Nat West Bank claiming I owed a total circa £7000 including legal fees and costs . I had defaulted on a personal loan (£1500 outstanding) and I had become unable to service my overdraft (£5000). After taking advice from National Dept Help line I acknowledged the dept and am now the unhappy owner of a CCJ.

 

The judge ruled that I should repay at a rate of £20 per month based on my income. I am making regular payments. It seems that NW haven't as yet applied for a CO despite the fact they said they we're going to. I was aggrieved at the time of the Judgment because I had been in contact with Nat West as was attempting to reach an agreement with them and had actually offered them slightly more than the Judge agreed. I was waiting for a reply from NW solicitor when the court papers arrived!

 

I had not been advised by NDH to request the CCA or SAR or consider defending part or all of the claim. I am not aware if there were unfair charges applied to both accounts and weather or not those charges have been added to the total owed. Don't even know if there is any PPI!

 

After judgement I receive a letter from NW solicitor stating that I am not within my right to obtain the CCA despite the fact that I never requested it in the first place..most odd!

 

So should I send a SAR request to NW and the Solicitor and should this include a request for all break down of all charges applied to the accounts and the CCA? Will they have to comply with my request or am I waisting my time and should I just continue to pay the CCJ. Not sure where to start with this or if I'm in a position to fight!

 

Thanks.

Edited by Andyorch
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Hi Fred and welcome to CAG

 

The fact that they have not executed the CCJ by way of a CO is a plus to you so let it stay that way.

 

With regards to now challenging the judgment...well the judgment replaces the agreement (Personal Loan) so they do not have to comply with a CCA request and you cant CCA the Overdraft anyway ( they are exempt except for PT V)

 

With regards to penalty fees/unfair charges you can still request a DSAR and quantify the figures and should you desire then issue your claim against them...whether it would have any success is another matter.

 

Regards

 

Andy

We could do with some help from you.

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  • 3 years later...

Hi I hope someone on here can help me with this.

 

I have just discovered that three late payment markers have been placed on my credit file in relation to a NAT WEST personal loan that defaulted October 2011 and had disappeared off my credit record.

 

Nat west sought and secured a CCJ in relation to loan in Nov 2012 so why would they put a mark of a late payment on my file now?

 

This is all the info they have placed on my file?

Status In Arrears

Payment Frequency Monthly Current Balance £ 1,810

Start Balance £ 0 Credit Limit £ 0

Default / Delinquent Balance £ 0 Start Date 25/07/2007

Date Updated 19/10/2017 Date Last Delinquent

Date Satisfied Default Date

What can I do about this of anything?

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I’ve just checked the court papers and it states on them that a default notice had been served. I’ve gone through all the paperwork and can find no record either in my files or in the SAR documentation that I received a DN or of one being served! Despite the CCJ I still receive CCA compliance notices in relation to this loan from NatWest... So what the hell is going on!!! Seems they want it both ways. What should I do? Can any one advice me please.

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I have placed a complaint with NatWest we'll see what happens. It's been confirmed by NatWest the account was defaulted in Sep 2011. As it more than 6 years now it should now be removed from my account. Don't understand why it's now saying it's in arrears!...Can any one on here throw some light on this please?

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banks have of recent times done things like this to stretch the SB time beyond the 6 year period by claiming thta the account wasnt defaulted until 5 years after the last payment date etc. It is obvious that they have a financial motive for this but when they have tried their luck with a court claim they have been knocked back ansd their arguments on the default date rejected. I am sorry I cant give you a case to refer to but suggest that you inform the bank that you are aware that the ICO and the courts dont take kindly to this strange interpretation of how to tell the time

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HI,

Can someone please advise me.

 

I had a loan with Nat West that defaulted Sep2011

this dropped off my Noddle CF this year (2017) as expected.

 

To my horror it has re appeared as a 3 late payment marker this month (Oct 2017)

I have contacted NatWest and raised a complaint.

I have it confirmed verbally by Nat West and on my historic credit file that the loan account did default.

 

NatWest took court action and I have a CCJ relating to this loan and I have been paying the amount decided by the court.

 

A couple of years ago I checked my CR to discover that NatWest had been reporting the Loan as 3 month in arrears,

I contacted them and they agreed that the information was incorrect and updated the information to show the account had defaulted on the date above (I had assumed that the account must have been in default or they would't have been able to take court action)

 

I have a copy of my latest (Oct 2017) Noddle, Experian and Equifax and they all show this late payment marker,

however the Experian shows them as late payment stretching back 72 months indicating this information was never corrected.

 

Finally the last four numbers of the account showing on the file are not the the last 4 numbers of the account in question.

 

I spoke to them today and have been told some one will ring me within 48 hours.

You good advice as to what I should do would be much appreciated.

Many Thanks.

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have you a copy of the default notice

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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" Finally the last four numbers of the account showing on the file are not the the last 4 numbers of the account in question."

 

This normally happens once its transferred to collections and assigned to their " Router Account "

 

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

 

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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should be in the comms log or the account log

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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copy that section staple it to your letter below

 

write a letter to NatWest

 

give them 14 days to remove the account as it should not be showing

[under ICO rules etc default is +6yrs old]

 

should they fail to do so

you will raise a complaint with the ICO and seek financial compensation

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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Had a call back from NatWest complaints and they agreed the markers are wrong and shouldn't be on my CRA file.

 

They confirmed they will be removed and my case has been escalated to ensure this doesn't happen again either to me or anyone else.

 

They said they have no idea why it has happened. we shall see.

 

It did make me wonder how many people suffer from incorrect info on there CRA files.

 

It's astonishing that such a significant part of modern life and the far reaching consequences of a poor credit rating can have that this is not better regulated.

 

many thanks for your help today...I'll update this thread when I hear anything.

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write complain seek compensation

you shouldn't be using the phone

 

as you've no papertrail to hit them with later

same as last time.

 

I got £50, then £75 then £125 out of C&G when they kept doing this to a neighbour

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 aware of keeping to letters but they called me and according to them they are writing to me to confirm. I should receive a letter within seven days. However I will write to them confirming our conversation.

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  • 3 weeks later...

Have had a letter from NatWest dated 2nd Nov stating that my complaint will dealt with within 8 weeks!!! Originally I was assured this marker would be removed and that it could take up to 3 weeks. NatWest texted me 9th Nov stating someone will be contact me within 10 working days. I spoke to customer services today who said the marker couldn’t be removed before the complaint had been investigated, this is despite being told by customer services on two occasions my credit file will be deleted. I would be fateful of your good advice. Is there any mileage in me going in to my local NatWest and raising the issue there. I really need to get this sorted.

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I would go right to the top and send a detailed email to NatWest CEO marked for his personal attention

 

In addition detail all the stress that this has caused you and insist on substantial compensation

 

( imo around the £500 mark)

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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on the internet???

 

ceoemail site

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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