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    • Should this to be take into court with him or should he send something in earlier?
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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.              
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Lantern/moriarty Claimform - old QQ loan - Mediation


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What do you hope to achieve...why have you sent a DSAR ?

 

Andy

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are you not going to hit them with an IRL claim?

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 await it and put in the claim.

 

it cant comeback on your file

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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Thats's why I'm doing the SAR so I have all the information.

 

Ahhhhhh makes sense now as you failed to say why you was doing it in your 1st post...thread title updated

We could do with some help from you.

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Received details from Lantern but still waiting on QQ.

Obviously Lantern only have details of the one loan so isn't much help in a IRL claim.

 

Original Creditor: QuickQuid

Lantern Account Number:

Client Ref:

Client Ref 2:

Type of Account: High Cost Short Term Loan

Loan Open Date: 03/01/2012

Loan Due Date: 25/01/2012

Delinquency Date: 29/03/2012

Last Paid Date to Original Creditor: 25/02/2016

Default Date: 21/05/2012

Rollover/Extension: 2

Original Loan Amount: £500.00

Original Loan Interest: £590.00

Loan Fees: £24.00

Amount Paid: £551.24

Balance Sold to Lantern: £489.00

Amount Paid to Lantern: £7.84

Current Balance: £481.16

Last Paid Amount to Original Lender: £5.00

 

Where do I go from here with Lantern.

Do I let them know that I am waiting for info from qq so the account is still in dispute?

they are pursuing me for interest that amounts to the same amount as the loan, I have already paid £551.24 to QQ.

Statement_of_Account.pdf

 

My credit agreement with qq states that I need to repay £722 (£500 loans + £222 interest) and that there are no additional charges after the due date, only £12 late fees.

 

Well my statement shows interest of £147 added 4 times and 2 late charges.

 

Meaning that my balance when sold/transferred on should have been £302.76 not £819.

 

I have since paid off £559.08.

 

My account info does however mention a rollover/extension twice so does the 2 extra interest charges of £147.5 each stand?

Edited by PortSN18
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I wouldn't trust MMF as far as I could spit.

await the QQ info file IRL complaint

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

  • 1 year later...

I have mediation set for 12/12/2019 with Moriarty Law over a QQ loan. If it goes against me when would I have to pay by? 1 month from that date or longer or can I disagree with the outcome taking it to court to give me more time to pay?

 

I want to avoid a CCJ at all cost but can't afford to pay the debt off just yet. I dispute the debt on the ground of no DN being sent, but thinking the worse case scenario. 

Can I still negotiate a repayment plan?

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Thread moved to Financial Legal Issues Forum

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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Please read the following link and copy and paste the Qs and your responses back here for further advice

 

 

We could do with some help from you.

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  • dx100uk changed the title to Lantern/moriarty Claimform - old QQ loan - Mediation

threads merged..

what happened too the IRL claim against QQ you were doing?

 

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

Lantern (QQ)

 

Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to.

 

27/08/2019

 

Particulars of Claim

 

What is the claim for – the reason they have issued the claim? The defendant owes the claimant £481.16 under a regulated loan agreement with casheuronet llc t/a quidquid dated 03/01/2012 and which was assigned to the claimant on 20/12/2017 and notice of which was given to the defendant on 20/12/2017 (debt). Despite formal demand for payment of the debt the defendant has failed to pay and the claimant claims £481.16 and further claims interest thereon pursuant to section 69 of the county court act 1984 limited to one year to the date hereof at the rate of 3.91% per annum amounting to £18.83

 

What is the total value of the claim? £584.99

 

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes

 

Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No

 

Did you inform the claimant of your change of address? N/A


Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? PDL

 

When did you enter into the original agreement before or after April 2007 ? After - 03/01/2012

 

Do you recall how you entered into the agreement...On line /In branch/By post ? Online

 

Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? No

 

Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Lantern

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes (via email) from MMF with no letterhead

 

Did you receive a Default Notice from the original creditor? No

 

Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? No

 

Why did you cease payments? Couldn't afford them

 

What was the date of your last payment? 25/02/2016 then again 01/06/2018 (yes a paid again when they chased me)

 

Was there a dispute with the original creditor that remains unresolved? No

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes - rejected my DMP for one I couldn't afford. 

 

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No dn is fatal to most claims

And as moriarty never turn up at court anyway...

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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which unless they cough up with all the information which you require to make an informed decision to enter into - won't take place.

 

Before  it happens the same questions from the N180 will be asked again  -  too which you would answer no regarding the above.

mediation will fail.

 

 

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

yes you've correctly entered into the spirit of mediation giving the claimant as much time as possible to comply with your wishes to date.

 

there are plenty [over 1500] claimform threads here that mostly detail the processes as any claim progresses.

it will help us to help you if you read some of them between this stages 

then you know what comes next and how to respond or what to do..

 

 

 

 

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

Ones I've read either don't mention mediation or that they said it shouldn't happen when they phoned to confirm date.

I've confirmed it to go ahead.

 

So on appointment day, when they ring me, I'll tell them sorry but they haven't sent me all documents I've requested. 


I shall do more reading of threads tomorrow, I did read quite a few that won when going to court. 

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don't think there are any moriarty represented threads here whereby if the defendant turned up the defendant lost the case.

moriarty never appear in court.

 

there is a very comprehensive mediation sticky in the homepage of this very same forum yours is in

 

there is also a custom google search which comes up after hitting our top squares logo

 

moriaty claimform

 

might be useful to use 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

what defence did you file?

post it up here for ref 

as when it comes to your witness statement we will need to ref it.

 

 

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

1: I received the claim from the Northampton County Court on 28th August 2019

 

2: Each and every allegation in the Claimants statement of case is denied unless specifically admitted in this Defence.

 

3: This claim is for a payday loan agreement regulated under the Consumer Credit Act 1974.

 

4: It is admitted that the Defendant has previously entered into an agreement with QuickQuid for provision of credit.

 

5: The Claimants statement of case fails to give adequate information to enable me to properly assess my position with regards the claim.

 

6. It is denied that QuickQuid served any Default notice on the Defendant pursuant to s87 Consumer Credit Act 1974. The Claimant is required to prove that a compliant Default Notice was served upon the Defendant.

 

7: On the 10th September 2019 I sent a request for inspection of documents mentioned in the claimants statement of case under Civil Procedure Rule 31.14 to Moriarty Law. I requested the Claimant provide copies of the Agreement, Default Notice and Notice of Assignment.

 

8. Moriarty Law has not sent any of these documents to me.

 

9. Under Civil Procedure Rule 16.5 (4) Where the claim includes a money claim, a defendant shall be taken to require that any allegation relating to the amount of money claimed be proved unless he expressly admits the allegation. Therefore It is expected that the Claimant be required to prove the allegation that the money is owed as claimed.

 

10. I request the court orders the Claimants to provide the necessary documentation in order for me to fully plead my case else the Claim should stand struck out.

 

11. In the event that the relevant documents are received from the Claimants I will then be in a position to amend my defence, and would ask that the Claimants bear the costs of the amendment.

 

12. It is denied that the Claimant is entitled to the relief as claimed or at all.

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