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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
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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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Lowell and Global Debt dilema


Blue Boo
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Another quick update and another response to CCA request, Global wrote to me saying they have referred by enquiry to thier thier client and await thier respose. (Get this bit though) "Meanwhile we have suspended collection activity".woo hoo Lets see how it goes from here.

 

Thanks for all your help Sam!

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ignore the first,standard crap,that would not happen anyway.

 

get ready to send in dispute when the 12+2 are up:)unless they come up with anything:rolleyes:

 

SAM

 

I have just printed off my CCA default letter for Lowell, they signed for the request on 05/09/09. ( i would also like to complain that they never advised me this account and the payments they received on it had been passed to them from Global).Should i do this before the default?

 

I also want to advise Global debt that this account is in Default and complain to them for :-

1.passing on the account without notifying me.

2.Passing on the account whilst i was still paying on it.

3. Passing on payments to Lowell that had been made to Global with out my knowledge ( to enable Lowell to say that i had made payments to them).

4. Also failing to send on further payments made to them, after they passed the account over.

 

I am not to sure if i will drop myself in deep doo doo by making a complaint to Global for an account that will now be in default through Lowell?

Any help would be much appreciated.

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I have just printed off my CCA default letter for Lowell, they signed for the request on 05/09/09. ( i would also like to complain that they never advised me this account and the payments they received on it had been passed to them from Global).Should i do this before the default?

 

I also want to advise Global debt that this account is in Default and complain to them for :-

1.passing on the account without notifying me.

2.Passing on the account whilst i was still paying on it.

3. Passing on payments to Lowell that had been made to Global with out my knowledge ( to enable Lowell to say that i had made payments to them).

4. Also failing to send on further payments made to them, after they passed the account over.

 

I am not to sure if i will drop myself in deep doo doo by making a complaint to Global for an account that will now be in default through Lowell?

Any help would be much appreciated.[/quo

 

Any advice out there please? I'm not sure if i should complain to the DCA's involved for the way yhey have dealt with this account or just send the dispute letter? If so which should i send first?

Thanks for help you can give.

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Hi Sam614,

Lowells are in dispute as they signed for my CCA request on 05/09/09 would you mind having a quick look over my last post? do you think i should just send the dispute letter or complain at the same time? I have also been advise by National debt to request a deed of assignment from Lowell, have you any idea what this is?

Many thanks

Blue Boo

Edited by Blue Boo
More info rec'd

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your letter is done....in PM:p

 

in regard to the offer of a donation to cag.

if that is what you want to do,and can without leaving your self short.

thank you from me:)have been happy to help and continue to.

and yes any donation to cag is welcome,however small.

 

SAM

 

Hi Sam,

Thank you soooo much the letter is fantastic, says it all, I'll get it copied and sent as soon as.your help in this is really appreciated. Clicking your scales!

Cheers Blue:grin:

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I've recently dicovered that lowell have been checking my credit report even though i have never been advised by them or any other DCA that they were taking on my account. This query account with them is now in dispute as they have not provided any proof or CCA etc. Surely they would need my consent to access my report? would'nt they?

 

I'm finding this pretty difficult to get my head around so much information at the moment on 3 different accounts, each step i make i seem to find another problem. So any help would be greatfully received.

 

Cheers Blue:???:

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Got another letter from Lowell today it reads:-

 

Following your recent request to be provided with a copy of the original credit agreement in respect of the CCA I can confirm our client has yet to furnish us with your agreement.

I can confirm however Creation Finanial Services Ltd are still in the process of retrieving the required paperwork and once this has been forwarded onto us a copy will be posted to you.

There will be no further correspondence from us until the agreement has been received at which point we will require payment in full.

 

I could'nt pay in full which is why global originally had token payments I sent the CCA to Lowell because global debt passed the account and payments on without telling me.Should i now send a SAR to Creation Financial to see exadtly what they do have?

Any advice welcomed?

 

Blue

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This is the first auto letter of four that you will receive from Lowells before you get the "good bye" letter.

 

They dont have anything approximating to a CCA.

 

The next letter will offer you a huge discount if paid by xx/xx/xx- IGNORE

 

The one after that will offe you an even bigger discount Ignore

 

The next letter will say that after laising with Global, due to the length of time since the account was opened they are unable to supply you with a copy of your CCA and that they have closed your file.

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Sam- why all the secrecy with advice being given by PM?

 

CAG works because info and advice is shared with all.

We truly appreciate all the hard work of all the caggers put in helping each other, but we do discourage advice by PM.

 

this is because the advice can be scrutinised by all (no-one is perfect) and its good for everyone to see the advice, it then helps everybody and not just the one with the PM.

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Hi and thank you for your advice Noomill060 thats put my mind at rest a bit. Sam has been helping me with a complaint letter which had quite a lot of specific info in it. i think this is most probably the reason alot of it has been by PM.

It has been a big help and i am really greatful to CAG

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Sam- why all the secrecy with advice being given by PM?

not advice.it is personal info,to include in complaint letters.and general chit chat .nothing to do with lowell.

CAG works because info and advice is shared with all.

agree.but if i have helped with a personal letter of complaint about treatment .

 

 

op will not want personal feelings/treatment/etc put on over forum.

 

I do not want lowell trolls to see that it has not come from op,

 

I put any advice i can on the forum.but cant be expected to breach a confidence about personal issues.

 

and if i am asked in pm to help.what should i do say NO.

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Many Thanks for all your help Sam,

Complaint was received by global today, I'm looking forward to seeing what they come back with. I have also found a previous complaint letter they received from me on 24/03/09 which refers to the bulliying tactics used to make me increase my payments refers to court threats, harrasment and blackmail by one employee who i named in the letter. He stated if i did not pay at least £10.00 per month or they would see me to court. I was told i had an attitude problem and they would do everything in thir power to make me pay more than the token payments. It was this action that made me increase the payments to them and complain back then. I also told the compliance manager about my disability and that i had intended to complain in May 2008 but a series of personal events ( hospitalised after a car accident and loss of a family member) and ill health prevented me from doing so.

I wish i had found all this before i sent the latest complaint.:mad:

Should i wait for a response from Global's compliance manager or should i just send copies of these letters to OFT?

 

Many thanks for any help

BB

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hi.:)

 

I would give them the chance to respond to the letter first.

let them give you the answers we asked for,a explanation of your treatment etc /and the private details we included need answers.

also.

why they sold it to lowell when you were paying.

 

why they then stopped forwarding the payments on,and kept them their selves.

causing more stress,when lowell started on the why have you stopped paying threats.

 

and main answer being..what they intend to do now it has been returned to them.

 

SAM

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I suppose at least then it will have gone through thier complaints proceedure first.

Many thanks

Keep up with the quitting smoking i admire your will power!:cool:

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well here i am agian, i'm unsure as to wether this is good news or bad :confused:

A letter from Global this morning referring to one of my accounts states

 

"Our client has completed a review of the above and instructed us to close our file. If you have any further enquiries you should send your correspondence direct to FV_1 INC".

 

Should i now send the CCA request or dispute letter again, this time directly to FV1 so that they can't pass the account out again, or are the covered under the 1st lot i sent to global?

Or another option, should i send a SAR to FV1 to see if they actually have my CCA?

 

any advice would be welcomed! i have the feeling that they will be passing this on to another DCA pretty soon.

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wooo hooo Blue Boo 1 - global debt big fat 0 :pla di lalalala

Thank yoou so much for that, do you think that FV-1 INC will pass this on or are they covered under the account in dispute letter sent to global?

I can't believe it,that was the largest account i had.

Thank you again noomill

A not so Blue Boo:D

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Ok, just an update here and the plot thickens, The 2nd account i had with Global was being paid every month for years. then out of the blue comes a letter from Lowell chasin for the same account and stateing that i had made payments to them and stopped. This was not the case so Sam 614 wrote a fantastic complaint letter for me to adapt a send to Global ( as we all suspected they had passed the account on and the payments) well today i got a reply to my complaint from Global. It states that Creation finance appointed them to collect on this account that they are nothing to do with the Lowell group and never have been, they have not passed this account to them nor my details and they can assure me that all payments made to them were sent to creation finance?????:confused:

So now i am really confused. Lowells initial letter quotes creation finance but creation finance already have global paying them for this account?

Should i send the complaint letter to Creation Finance and a copy to Lowell? or what would be the best step to take? Global have sent a form on how to complain to FOS which i will be doing!

 

Any advice is welcomed:)

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Any advice on the last post please? any options i may have? What can i do about this?

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