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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...
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Santander/Howard Cohen - Not sure i've done it right :-(


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Hello,

 

Quick background - I opened an Evans Storecard in April 1993 and even when I got into financial difficulties around 2003 I still tried to maintain my minimum payments. We got into deeper troubles and in March this year I had to default. I wrote to them repeatedly asking to arrange some sort of reduction in payments but had no reply except for more and more escalating LATE PAYMENT and DEFAULTED type letters. I started to pay £10 per month and again wrote to them explaining my financial dificulties, again ignored. The debt is for less than £5000 incidentally. Although about a third of it is interest and charges they have levied against me :-(

 

Then earlier this month I recieved Court Claim papers. After reading the forum for a few days and trying to make head or tail of things, I went online and did my Acknowledgement of Service asking for the 28 days extra and saying I was defending part of the claim, the bit for all the extra charges and interest. I then wrote to Cohen's on the 11th November by reg'd post (according to my post office receipt) enc. a £1 postal Order asking for my CCA. Of course hoping they haven't got one after all this time.

 

Further reading has alerted me to the fact I should have probably Defendend ALL of the claim perhaps? I'm not sure.

 

The date on the Court Papers is 1st November 2010, so I am aware that my Defence has to be in by Monday. However, I assumed I would get something else from the court in writing before that date but have had nothing?? Is that what normally happens? I've also tried to log back in to my claim online to enter my defence and it says there is no such claim or the password is wrong, so i'm confused about that as I am definitely entering the Claim Number and password supplied to me on the court papers.

 

I have also not heard anything from Cohen's. Now I am unsure as to what my next step is. I have completed the Defence bit of the court papers, saying I am defending the whole claim as I don't believe they have a CCA and have also failed to supply me with one and quoted the 1974 Act. Do I just send that off now and hope for the best??

 

Or have I got it all wrong??

 

Thanks in advance.

Debs x

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Can anyone help please?? I guess i'll have to send the defence papers today so that they are in for Monday (29th) but I wondered if my timings were right? I read something different on another thread but wasn't too sure if it applied to me?? The date on the court papers is 1st November and I sent back the AoS online on 8th November so does the 28 days go from the 1st or the 8th?? Anyone?? And obviously all my other questions are still puzzling me.

 

Help please???

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AFAIK, a claim is deemed served 5 days after issue. it is then 28 days thereafter if AoS has been submitted. so, 28 days + 5 days after issue is the deadline.

you say that you have admitted part, and then you say you are now going to defend the whole? this may be an issue? the court would have sent your part admission to the claimant for acceptance or not. if accepted they would have the opportunity to request judgement for the admitted part. otherwise, it would continue as is.

you should've done a cpr 31.14 request for any docs mentioned in the claim form. and an 18 request for any 'information'. http://www.consumeractiongroup.co.uk/forum/showthread.php?159445-Getting-Them-To-Reveal-Their-Vitals.-Using-CPR-31.14-to-Your-Advantage

http://www.consumeractiongroup.co.uk/forum/showthread.php?255329-CPR-part-18-vs-CPR-31.14-Confused-well-read-here

these can still be done.

a cca request is not really appropriate once there is a court claim.

PT2537's advice in these sort of circumstances is, i think, to try and get the claimant to agree an extension (28 days perhaps) to the defence deadline. you'll need to to do this ASAP. over the phone if necessary. if they agree, fax it to the court, and get confirmation from the court that it has been extended. you can do a cpr 31.14 request now, and confirm the extension in your letter. if you don't do an extension by the deadline, then submit a 'holding defence' in time.

IMO

ps, further opinions will hopefully follow.

Edited by Ford
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Hi Debs,

 

The CCA request will have done you no harm.

 

You should use the "Embarrassed Defence" and defend the whole amount of their claim. You should be able to do this online through MCOL. If you can't get access to your claim online, call the Northants MCOL offices and ask them for help because the dealine for your defence is close.

 

Also send Cohens a CPR 31.14 letter seeking documents referred to in their claim, or relevant to it, eg credit agreement, default notice, account statements. See the 2nd link in Ford's post above.

 

Also read here - http://www.consumeractiongroup.co.uk/forum/showthread.php?159445-Getting-Them-To-Reveal-Their-Vitals.-Using-CPR-31.14-to-Your-Advantage

 

And here - http://www.consumeractiongroup.co.uk/forum/showthread.php?241827-Legal-Action-how-to-start-off.-IMPORTANT-IF-YOURE-BEING-SUED&p=2695725&viewfull=1#post2695725

 

You should look at reclaiming all penalty charges made to the a/c plus compound interest. Do you have statements for the duration of the a/c or at least the last 6 years. If there are older penalties on the a/c, you may well find the compound interest puts a big dent in the amount you owe.

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Thanks both, I will do that right now, am very grateful!!

 

Am trying to understand the procedures, but it is very complicated, I am putting myself totally in your hands for guidance.

 

Thank you

Debs

 

*edit - No I don't have statements :-( Is that important?

Edited by x-Debs-x
See above.
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Hi Debs,

 

I am putting myself totally in your hands for guidance.
Sure, we can guide you and we'll help you find the resources and info you need. But YOU need to be prepared to put in the time and effort so you not only send the right letters or complete the right forms - but you understand what you are doing.

 

Yes, you need statements for the a/c so make sure they are requested, probably in the CPR 18 letter.

 

Concentrate of getting the Embarrassed Defence into MCOL on time just now.

 

:-)

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Sorry Debs,

 

I should have said the best sources of info are:-

 

1. The Stickies at the top this forum.

 

2. Other threads in the same forum, some of which will be similar to your own case.

 

:-)

We could do with some help from you

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  • 2 months later...

debs

 

how is this going? any developments?

 

The CCA request will have done you no harm. quite right. it could even prove beneficial, depending on the circumstances! (ignore my previous comment on this :-))

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