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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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UKAR Chasing Unsecured NRock Loan - Advice needed


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Hey- myself and now ex partner took out an unsecured loan back in 2006 for £20k on top of a mortgage we had at the sametime

- all ok

 

- fast forward 1 year he then takes out a secured loan in our names, forged my signature (this is not why I am writing but just trying to give you some background)

he told me he would kill himself if I reported him

- we split up

 

only after 2 years did I then contact bank and said I didn't sign or agree to this

- they wouldn't back down,

police wouldn't pursue

 

the property was sold and the proceeds were swallowed up for his secured loan

 

I stopped paying the unsecured loan in April 2013 (when we split up we walked away and paid nothing)

I rented out property and we sold this end of 2013

there is nothing on my credit file for this unsecured loan that is now £16k

 

-I was able to obtain a mortgage in 2016 no problems

I am now getting letters from a company working for the bank wanting payment of the £16k

 

- I had some correspondence with them back in 2016 and then it stopped

 

- my question is

do I have to pay this?

why hasn't this been on my credit files??

I hope I have explained properly

 

I know it will be 6 years of non payment in April but as I had correspondence in 2016 would this be statute barred

Edited by dx100uk
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no it wont reset the SB clock

 

name names please

who was the loan with

who is chasing now

who is their stated 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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Please can you just be a little more specific about the timeframe here. You say that your ex took out an unsecured loan after having forged your signature. This was a loan against a joint account/loan or simply in your name?

 

You then suggest that you were coerced into keeping quiet about the matter until two years later – are we talking about 2009?

 

You say that you entered into some correspondence regarding this loan in 2016. Can you tell us about the correspondence.

 

The last payment you made towards this unsecured loan was in 2013. Can you tell us when.

 

Which company is it that is contacting you now?

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sorry no

we both took out a Together Mortgage which was a mortgage and an unsecured loan in 2006

 

In 2007 he took out the fraudulent secured loan in both of our names.

I was pressured to keep quiet as he was going to pay back the secured loan (never happened)

in 2009 I report it and open a long drawn out case with NRAM

 

The correspondence in 2016 was from solicitors acting on behalf of NRAM (at the time I was getting a mortgage so I did respond to them to avoid any hitches on my new mortgage) and I need to dig out the letters but i did ask them to provide all information they had on the account

- they wanted an income and exp report which i never provided and i didn't agree to any payment plan

- and then the letters just fizzled out

 

Last payment was 2 April 2013

 

Company contacting me is UK Asset Resolution

Edited by dx100uk
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Sorry, I got confused.

 

I now understand that there is no further issue with the fraudulently obtained loan because that has been settled.

 

What has not been settled is the unsecured loan which you took out in 2006. Is that correct?

 

You kept on paying against the unsecured loan until 2013 and then you stopped. When was that?

 

There has been no further correspondence about this other than in 2016. In that correspondence did you acknowledge the debt?

 

You are now receiving correspondence from some other company about the unsecured loan - UK Asset Resolution-

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i stopped paying in April 2013 - when you say acknowledge the debt what do you mean? state to the yes i agree this debt is owed by myself?

I did say that in 2015 i took my ex to court and he put in his Record of Examination he added that he pays NRAM £50 per mth ( i believe my ex lied on this Record of Examination form as no such monies had been paid)

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By acknowledging the debt I mean whether you have at any time said to anybody representing NRAM that you were still indebted to them. Any payment or acknowledgement of the debt can reset the clock on the six year limitation period. I suppose that this could also refer to an admission in court.

 

I'm not too sure of my ground here that it wouldn't surprise me that as this is a joint account in which you are jointly and severally liable, then an acknowledgement by your ex-partner could also be taken to be an acknowledgement on your behalf.

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don't worry too much about this,

 

I think you are about the 3rd/4th person to come here about the old unsecured loans that those companies gave to make a mortgage to 100% or 110% with no deposits.

 

i'll find the other threads later, but its seems to be just a mass phishing exercise to get a few mugs to pay them free money before they either go statute barred

if not statute barred already.

 

one I think progressed a wee bit further whereby UKAR claimed that as it was 'to do with securing a mortgage' that SB was 12yrs on it...tough luck trying to pull that one UKAR!!

 

pers i'd not respond, its just a phishing letter...

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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thread title updated

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

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

It certainly seems like they are sending out lots of letters of old customers and seeing what they can get - it is very unsettling though - I will not respond and wait and see what happens next - thank you for you help/advise

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signed 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

well not long to go pers I'd let this run.

I've never seen a court case here whereby any such letter has been produced to counter an SB defence 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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Received another nice letter from NRAM, stating I have three options.

 

1. Arrange a payment plan.

2. Lump sum for Full and final settlement (anybody got an idea of what sort of percentage they are after).

3. Regular or irregular payments, even if the amount is nominal.

 

I have looked through the forum and seen this is common practice and if they follow the same procedure I will then receive another letter stating that they havnt heard from me and may sent to a DCA

what would you advise? hold out and see what happens

If you do full and final settlement what % is usually agreed?

Thank you for your time

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No let it run

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 received a call from NRAM on my work phone

- they would have had that number on file

- the person asked for me but I hung up

- I panicked

 

I thought that NRAM would just pass my case onto a collection agency?

 

I know you cant see into the future but what I your gut instinct on this case?

 

Has anyone else had this?

 

Thanks

Edited by dx100uk
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let it run

they seem desperate to get you to start paying before SB hits

they shouldn't be ringing known works numbers.

 

if you want to take them to course then clearly state on the phone that they are not to use this number again, ask for the operators name and number.

 

you don't have to ID yourself - just that you are the controller or boss or WHY of the line / company and such calls you do not allow

 

tell them to if they call again a serious complaint to the FCA / ICO will result.

and that the calls are all recorded for evidence

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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it will be SB in a year so you have to make a decision on what to do in the meanwhile.

Ignoring it completely will buy a certain amount of time as will entering into pointless communications with them as long as you never admit that by doing so you accept that you are liable for the debt.

 

Another problem is not knowing what your ex has said and done in the interim.

 

Forging your sig unfortunately only creates a cause for action against him by you as you have accpeted and benefitted from this in the meanwhile (it may not seem like it but that is that).

 

I think it will be another month before they write again so ignore this and start digging up what you have as far as paperwork, esp on any PPI or charges they appplied to the account.

 

They are chasing you as they know you have assest so what about your ex?

where is he at the moment as they can chase you jointly or separately on this.

 

as he has a dodgy past it is unlikely he will volunteer to pay the lot off but knowing if they are reaching out to both of you would be helpful for you

Edited by dx100uk
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take legal action to get it deducted from your salary?

what without a CCJ?

twaddle there im afraid as is all the letter.

 

govt owned says at the bottom 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... 

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