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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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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Cabot Fan Club - New Member - Help


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Hi there,

 

I have recently CCA'd our friends and got a second reply today on one account. They are well into the 30 days as well. But not over it.

 

Basically, stating they havent been able to get the info from the original vendor. I had been paying but stopped to dispute the debt after dicorce proceedings etc etc...

 

The original vendor no longer has any records relating to this account or they have been unable to obtain the info from their archives.

 

Cabot do depend on the original creditor to provide and we regret we are unable to provide this.....

 

If I have any queries abt my acct or paymt options I shud ring them....ermm..right.

 

An advice from my learned frends out there???

 

Thanks

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Well remember NO CCA = NO Enforceable debt.

Bad luck Cabot no payment on this one ;)

 

Here's a nice letter to send them

 

Edit as needed:

ACCOUNT IN DISPUTE

 

I refer to my letters dated XXXXXXXX which was delivered via recorded delivery to your offices on XXXXXXXX, and my follow up letter dated XXXXXXXX.

 

In my letter xxxxxx I made a formal request for a copy of the signed, executed credit agreement for the above numbered XXXXXXXX account under section 77(1) and section 78(1) of the Consumer Credit Act. In addition a statement of my account should have been sent along with any other document mentioned in the credit agreement. This is an obligation, whether you are the original creditor or not, under section 189 of the Consumer Credit Act 1974.

 

The Consumer Credit Act allows 12 working days for this request to be carried out before your company enter into a default situation. If the request is not satisfied after a further 30 calendar days, Your company commit an offence. These time limits expired on XXXXXXXX and XXXXXXXX respectively.

 

As you are no doubt aware subsection (6) states:

 

If the creditor under an agreement fails to comply with subsection (1)—

 

(a) He is not entitled, while the default continues, to enforce the agreement; and

(b) If the default continues for one month he commits an offence.

 

Therefore as at XXXXXXXX this account became unenforceable at law and it is now my intention to refer this matter to the enforcement authorities.

 

Any default notices or adverse comments your company have recorded on my credit reference file should be immediately removed.

 

It is also my belief that your continued pursuance of this matter also constitutes an

offence under Section 40 of the Administration of Justice Act 1970.

 

Failure to respond favourably to this letter within seven (7) days of receipt will result in immediate litigation being commenced against your company without further notice.

 

I would appreciate your due diligence in this matter.

 

I await your rapid response.

 

Yours faithfully

 

Their next letter will start going on about them NOT being the creditor, but having bought this debt under Law Of Property 1925 s136.

Well this is cobblers and they MUST supply documents for your CCA request.

When they do respond post back and we can help.

  • Haha 1

Be VERY careful whose advice you listen too

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Yup, if they can't prove they are entitled to any money, why should they get any.

 

Write to ask them how else they think they might demonstrate to you that they have a legitimate rightto any of your payments. And that unless they come up with a satisfactory answer, you will get the Financial Ombudsman to ask on your behalf.

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Thanks Curlyben/Seahorse,

 

So for claritys sake, the Royal Mail RD printout shows they received it on 9th August.

 

Should I wait until they start to chase me after 26th Sept before nailing them again on this alleged debt?

 

I stopped payment, but in beteen, have received a standard letter aksing for payment even though they acknowledge the CCA and asked me to be patient.

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Yahooooo Fan Club to the rescue... :D Hallo Mr Maynard - another one bites the dust :D

 

 

Don't forget, if you paid money and they have no proof they are entitled to it ask them for all you paid them back. I could have written to you asking for money - would you pay me? Course not - so why pay them?

 

Go get em....

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Great...

 

I will wait their obscene and anon phone calls with great ignorance, just lik the one today...then fire the above letter and wait for their Law of Property blurb....

 

Thanx CB

 

Ask away, you probably won't get it, but ask anyway they have no right to keep it.

 

 

Sarah ;) - different kind of 'mate'

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Hi All,

 

Interestingly I have received a reply to my CCA's today:-

 

I have received an application form for a store card, with no prescribed terms....

 

Their letter states its a copy of the original application form...

 

I will try and upload this asap.

 

The 2nd letter is much more interesting...I think

 

They state, they have enclosed the only available statements for the account as it may be the original lender no longer has any records relating to my alleged account or they have been unable to obtain the info frm their archives...

 

Cabot is dependent on the original lender to provide information and we regret we are unable to provide any further information.

 

The interesting part is that I personally feel that the statements have been doctored to some extent...

 

Also, more so, the 2 statements are dated 3 years apart....hmm so much for stating they are the ONLY statements available...

 

The statements dont look like the original ones that I recall getting and there are some differences on the 2..

 

Finally, the address they have on them, is for my fathers address, 3 years apart...when I can prove I wasnt in the country for 1 whole year and have not lived at that address for any of the period...

 

Again, I will try and upload them...

 

Any comments from anyone...

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This isn't a GE Money store card by any chance.

I had a similar experience with them earlier on in the year.

CCA'd the DCA, got a borderline application back and told them I was going for the charges.

Got some information from GE but no where near everything.

Then out of the blue the DCA said they had closed their account and returned it to the OC.

Well that was 6 months ago and I haven't heard anything since.

 

Shame really as that would of been an interesting fight ;)

Be VERY careful whose advice you listen too

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  • 3 weeks later...

Dear All

 

Here are the links to what they sent me as proof of debt:-

 

http://i181.photobucket.com/albums/x291/stumpy786/NA3.jpg

 

http://i181.photobucket.com/albums/x291/stumpy786/NA2.jpg

 

http://i181.photobucket.com/albums/x291/stumpy786/NA1.jpg

 

any comments on how to nail them further??

 

Thanks

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Well, they can certainly prove you had an account and a card. But I fail to see that they have shown how they have arrived at the conclusion you owe any money. No agreement, no statements showing what was applied and when, no proof at all except there was an account, which was never in doubt.

 

Complain to all and sundry, exhause their complaints procedure, and if all else fails, take them to court.

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I'd love to see an explanation for how an account summary is in any way a valid executed agreement. Still, bless 'em for trying, eh?

  • Barclays: WON!!! It took four months but was totally worth it!
  • Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
  • Elephant.co.uk: VICTORY - they admitted there was no debt!
  • Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!

<--- If I've been helpful please remember the scales ;)

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  • 1 month later...

Latest is that the RD letetr I sent was signed for them on 23rd October.

 

Letter back:

 

Your letter received on 29th October.

 

Regret you felt the need to contact Cabot to express your dissatisfaction about our service.

 

Investigating your concerns and aim to provide a reply in 10 working days..If we cant then we will let you know within reason.

 

Leaflet attached about complaints process and then after that if not happy go to FOS.

 

So it's taken 6 days from signing for it to reach somewhere else in the building...hmm....

 

Even if we go by the above date, today is the 15th working day and nothings happened..

 

Any comments anyone?

 

Cheers

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