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    • Should this to be take into court with him or should he send something in earlier?
    • This is the other sign  parking sign 1a.pdf
    • 4 means that they need to name and then tell the people who will be affected that there has been an application made, what the application relates to (specificially "whether it relates to the exercise of the court’s jurisdiction in relation to P’s property and affairs, or P’s personal welfare, or to both) and what this application contains (i.e what order they want made as a result of it) 5 just means that teh court think it is important that the relevant people are notified 7 means that the court need more information to make the application, hence they have then made the order of paragraph 1 which requires the applicant to do more - this means the court can't make a decision with the current information, and need more, hence paragraph one of the order is for the applicant to do more. paragraph 3 of the order gives you the ability to have it set aside, although if it was made in january you are very late. Were you notiifed of the application or not?    
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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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Bit of guidance re: cca


louise1111
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Hello!

just a bit of advice needed.

I requested a CCA from metropolitan collection services re HSBC cc. They sent me a letter stating that they could not provide one. It was then passed over to Central Debt Recovering so i CCA'd them also. They took the £1 fee off of my balance but today i received a reply. In short, they say:-

1. they cannot provide a CCA

2. there is sufficient evidence of my entry into an agreement with the bank

3. i have been informed that the account was closed and passed for debt collection

4. as there is no longer a live agreement in place under which the bank can be seen as a creditor then the sections 77 and 78 of the CCA act do not apply

5. as CDR is an inhouse collections dept, the debt has not been purchased and there is no deed of assignment

 

i just wanted you kind people's advice on the next step i should take.

many thanks

[sIGPIC][/sIGPIC]

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They do need to provide you with a signed agreement, when did you send the CCA request. They have 12 working days to provide it, and a further 30 days they have committed a summary offence at which time you can report them to TS. You can also stop paying them after the 12 working days as they are in default.

 

They obviously haven't got an agreement and are trying it on.

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Hi totally agree with surprise they are trying it on, the company I worked for before I retired used to keep any agreement/contract for a minimum of six years after end of agreement/contract. When I asked why (I was responsible for backup and storage of this data) I was told it is required by income tax and in case of litigation.

 

dpick

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Remember no CCA = No Enforceable Debt.

 

Sounds like you are being misled here.

 

Throw this at them:

 

Account In Dispute

Letter Before Action

 

Dear Sir/Madam,

I refer to my recent correspondence with your company concerning this alleged debt, copies of which are enclosed for your perusal and ease of reference.

As **DCA** have failed to comply with my Consumer Credit Act request and admitted that the alleged signed executed agreement is unavailable, enforcement action is impossible under section 127 (3) of the Act.

 

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.

 

If **DCA** chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action.

 

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 fourteen (14) days of receipt will result in immediate litigation being commenced against your company without further notice.

I also require a copy of your internal complaints procedure as further action may be necessary.

 

I would appreciate your due diligence in this matter.

 

I look forward to hearing from you in writing.

 

Yours Faithfully

Be VERY careful whose advice you listen too

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My husband had the same response Louise.

Metropolitan don't have a CCA, debt sent back to HSBC.

Just had a letter claiming that as they are HSBC, they are under no obligation to supply a CCA.

 

I'm sending CB's letter on his behalf today!

All my knowledge has been gained from personal experience and the sharing of advice from fellow members.

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morning all!

 

im brand new to this and need some relevant advice please??

a debt collection agency are trying to claim a debt from 2003.

i have a copy of my credit report saying balance satisfied in 2003 by the company i had the loan with.

the debt collection agency are saying it says that because they bought the debt from the original company,even though i have never heared from them for almost 5 years!!

how do i approach this one?

 

thanks to anyone who can hep me

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  • 3 weeks later...

just an update.

 

sent curlyben's letter and received reply today.

 

it basically says:

 

according to the cca act they have to supply a copy BUT need not be a photocopy of the signed agreement. So they have sent me a blank one!

they have also sent an up to date copy of the terms and conditions

 

any ideas on what to do next

thanks

[sIGPIC][/sIGPIC]

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just an update.

 

sent curlyben's letter and received reply today.

 

it basically says:

 

according to the cca act they have to supply a copy BUT need not be a photocopy of the signed agreement. So they have sent me a blank one!

they have also sent an up to date copy of the terms and conditions

 

any ideas on what to do next

thanks

 

 

I think that what they have sent you is not correct. I believe they have to send you a copy of the T&cs that were in force at the time you alledgedly took out the agreement and a blank copy could be for anyone couldnt it?. Someone with more experience will be along soon. :)

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although some companies interpret sending a blank copy of the agreement and the latest T&C as fulfilling their obligations under CCA

this proves nothing

 

they do not prove that you entered into an agreement

they do not prove that they have a right to collect on the debt

 

and most importantly,

 

they do not prove any liability to the debt on your part.

 

If that's what they are going to produce at court, invite them to do so, if they have the signed CCA, why are they mucking about with blank copies??

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