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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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Aus credit Creditcorp chasing us in uk.


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Hello all, I am in need of some advice.

 

We moved Home to the UK 16 months ago, after spending 5 years in NSW Australia.

 

A few weeks ago my wife started to receive phone calls at her workplace from an Australian debt collection agency called Creditcorp. They are saying they have taken on a debt (bank consolidation loan) we “owe “ of $39000 and we must pay it straight away. This scared the hell out of my wife (who suffers quite bad with anxiety) that they have been able to contact her at work as she believes this could hinder her job.

 

She answered security questions but can’t remember the full conversation apart from she agreed to talk to me about it and do an income/expenditure sheet with me to send to them.

 

Credit Corp are saying they need us to pay $440 per month over 13 years and 10 months and they will reduce the interest to 10%, this works out at around $70000 and is practically double the debt in question, the second option is they want $495 per month and they will reduce interest to 7.5% and it will be over 9years and 3 months.

 

We are both really worried as we are paying off debts here in England and I am not in a steady job(contracting) and we will really struggle to pay these amounts consistently.

I am struggling to see how they can charge so much interest? We just can’t afford the amount. We are at a loss and worried this is going to effect our UK credit or worse.

 

I have talked to a man on another website and he says he can sort it out and will deal with them directly, not sure if I can post his site on here? However there is apparently a $485 fee which apparently covers costs to lodge something at court?

 

My wife is telling me to hold off with this at the moment. Has anyone seen anything similar?

 

What do I do, I have read some other threads, however they seem to differ as they all seem to be statue barred and this debt would not be for another 5 years? I did find some letter templates to send them to hold them off for a while whilst I figure all this out( I can’t seem to find the templates now tho). I haven’t had any written letters from credit corp, simply phone calls to my wife and emails back and forth. Originally my wife agreed to set up a payment plan but I put a stop to it before any agreement was finalised and we haven’t paid a penny yet.

 

 

Pleases help.

Thanks in advance.

 

C2K

Edited by Andyorch
Paras
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Hi and Welcome to CAG

 

First question did you leave NSW leaving a consolidated loan of $39000 ?

 

If so what did you arrange with the creditor before leaving ?

 

Andy

We could do with some help from you.

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Hi Andy, thanks for the quick reply.

So to answer your question, No we didn’t. We had a consolidation loan before we left Australia and we’re paying it for a while, we had to move back to UK for personal reasons and continued to pay the loan but we ended up running into debt back here which we knew about and are now paying this off. In turn this made it increasingly difficult to pay the aid loan and we stopped paying it. We then received letters stating we were in default and it may be passed on. We didn’t get any confirmation saying it had been passed on and haven’t received any letters from a DCA just emails.

Thanks

C2K

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Ignore them for now and do no agree to any payment plans or acknowledge the debt.

 

Have a read of the following threads to bring you up to speed.

 

https://www.consumeractiongroup.co.uk/forum/search.php?searchid=11093878

 

And lastly do not be talking to men on other websites offering to sort this out for any fees.

 

Regards

 

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

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best idea might be to go BK in aus?

we've seen a few people do it here from the UK

I think its quite easy to do and painless and all via the internet

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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Thank you for both of your replies, the main problem is them hassling my wife at work, she struggles hugely with anxiety ever since a car crash whilst in Aus...... I will read through the threads straight away and also have a look at BK.... any ideas where to start? We will not be moving back to Aus in the future so this could be a possibility.......

 

Thanks

C2K

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well thatsall they can do is hassle and embarrass people.

same as the Dubai lot

in all truth they are totally powerless to actually DO anything

 

that's what DCA's do. that's all they can do

the shame is they've already mugged you so will do anything to make you relent again.

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

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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If you also type " Creditcorp " into our advance search (top right under the log in/out button " it will bring up all our threads in connection to this DCA.

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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answering their security questions was a bad move, they know they have the right personthen and probably a bit more info than before they called.

they are breaking UK law by calling work uninvited so you are now effectively encouraging them by giving them the time of day. Putting the phone down on the first call would have been wiser, it is their money they are wasting.

Talked to a man on another website and he can deal with it for only £xx. RUN AWAY RUN AWAY- you will be in furhter debt and get nowhere with your problem if you agree to this and then be back here asking for advice on conmen's activites and your new debts

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  • dx100uk changed the title to Aus credit Creditcorp chasing us in uk.
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