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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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      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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Go Debt - Stat Demand.


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I'm in need of help with a company called GoDebt which i pretty much see splattered all over these forums !

 

About 5 years ago i purchased a car on finance which i paid up until a certain time when the car broke down. At which time i called the finance company to explain the situation and also explained i would need to sell the car in order to purchase another or pay off the debts owed. Anyway i sold the car for £3000 and then called the finance comapny to pay off the remaining amount. I then found that the remaining amount (including early repayment fees) was nearing £6000 which obviously i disputed. This went on for some weeks/months until finally i didn't hear a thing from the company.

 

So a few years passed and...

 

Last friday i had a call at work from a Mr Fowler claiming to be from GoDebt and demanding i pay the sum of £8000 within 30 minutes or face bankruptcy proceedings...

 

Needless to say i didn't, and i called the guy back to gather more information.

 

Since this time i have recieved many calls (at work and on my mobile ) requesting i pay various amounts from 8 to 5000 to prevent this going further. I requested that they send me any communications that i have not previously recieved regarding the debt and the original agreement to ensure it was valid.

 

Yesterday i recieved the following letter complete with what looks like a bad photo copy of the original agreement as below:

 

letter.jpg

 

(Not sure if you will beable to read)

 

Anyway it states that failure to pay up by the 3rd of november at 3pm will result in a bankruptcy petition being applied.

 

 

Has anyone had any simular dealings with this company? And do you have any advice how to go about sorting it? I'm mainly worried about them hounding me at work as not only is it embarrassing it goes against the rules stipulate in my contract..

 

I do not own my own house, and i have very little assetts. I do not technically deny the debt however the amount it has jumped up to is certainly questionable. Obvously i do not want to be bankrupt mainly due to the fact i would probably loose my job over it. Which would prevent me from paying anything let alone a debt to some very agressive cowboys...

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The letter is too small to read, but it doesn't look like a stat demand.

 

It would be helpful to know all of its contents - perhaps you could host the images in Photobucket and post a link.

 

In any case, if Go Debt do issue a stat demand, it can be dealt with with advice from here.

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Hopefully this is better, this is the first bit... It is not a stat demand just a threat of one as far as i know..

 

letter.jpg

 

The fact that it was emailed to me and doesn't actually have my name on it seems a bit strange...

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No i do not own a house, or much for that matter.. I do have other much smaller debts of which All Clear Finance are dealing with ( very well ) be it that they charge me a small sum to do so..

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The first thing is to stop speaking to these creatures on the phone (but standby for an exception if they issue an SD); keep everything in writing. Keep a record of every phone call to date, though.

 

If you are using a claims management company, was this debt not included? If it was, Go Debt are in breach of the OFT Guidance by bypassing your representative and contacting you direct.

 

Like all DCAs, Go Debt are full of pish and wind. It will cost them a considerable amount to bankrupt you, and they stand to get very little back.

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No they were not apart of the original plan as it was a couple of years into hearing nothing. Obviously i didn't want to call a company i thought had written off a debt and offer them anything ( probably a big mistake! ) I have told All Clear about it who are prepared to start doing what they do and offering them a monthly payment plan etc, do you think i should allow them to proceed or handle this one alone?

 

Thanks very much for your help so far, no doubt i will recieve a call from Mr Agressive tomorrow at my 3pm deadline and no doubt at work yet again annoying my boss.. I shall tell him to contact me only in writing..

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If they call tomorrow, the best thing is to say that, in accordance with police advice, you never discuss personal or financial matters on the phone. You should also put in writing to them that you will only deal with them in writing, and mention that the OFT Guidance is clear that calling you at work if you've asked them not to is an unfair practice.

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The CCA is quite clear in that any Agreement must be readable, so that is the first of many points you can eventually raise. Did you actually send a CCA request and if so, to whom.

 

Take Scarletts' advice, and, you can if not already done, send for a legible copy of your Agreement. Once they receive your request, this 'should' put a hold on any further activity until and if they respond with the correct paperwork.

 

Send them a CCA request to see if they are entitled to collect this debt & if it's enforcable. If they fail to provide it within 12+2 days or the CCA is unenforcable you can legally withold any payment until they do. Send it recorded delivery enclosing a £1 postal order. When you get a reply, scan it & remove any identifying details and post it back here where we can have a look at it. We'll advise you from there;

 

Dear Sir/Madam

 

Re:- Account No: XXXXXXXX/Your Reference Number: XXXXXXX

 

This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply.

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection From Unfair Tradinglink3.gif Regulations 2008 (CPUTR).

If you intend to send a reconstituted copy of the CCA you must declare the reason why it has been reconstituted and if the original exists and in what form (microfiche) etc

 

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

(Optional)

You should also note that I will only discuss this matter in writing and should it be your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you or any of your associates.

 

There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and if you do so, then you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance. (Optional)

 

I look forward to hearing from you.

 

Yours faithfully **Edit to suit**

Print name do not signlink3.gif

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Hey Guys,

 

Today i typed up my letter as per advice above and had it ready to send tomorrow with a postal order for £1. However i have come home to a letter on my doorstep...

 

It is the same letter that was emailed to me (as posted) and it also contains what appears to be a signed copy of my original agreement and a statement of payments/non payments and interest calculations...

Not really sure wether or not it is worth sending the letter now?

 

I also recieved a voice mail from someone at 3.34pm stating i must call him before 3pm to resolve the issue otherwise it WILL go further...:???:

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I also recieved a voice mail from someone at 3.34pm stating i must call him before 3pm to resolve the issue otherwise it WILL go further...:???:

 

Typical scare tactics. They are not going to spend a grand making you bankrupt if you're in rented accomodation, it's unlikely they will make a return on it. It's scare tactics. Ignore all 'phone calls too. If you wish to communicate with them, please do so in writing only

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