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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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SCM, Lloyds credit card and CCJ***PPI paid out in full***


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I think this is bit like closing the stable door after the horse has bolted but hey ho!

 

in brief, credit card I haven't paid anything on since beginning of this year.

SCM/Lloyds took me to court in August, I didn't defend so Judgement for Claimant ordering a monthly payment that I can't afford so haven't been paying.

Meanwhile SAR sent to Lloyds in September, info due next week. This hasn't been acknowledged by Lloyds, and track and trace can't give me delivery details but I do know it has been received.

Letter from SCM now observing I'm not making regular payments and therefore instructed to enforce Judgement Order by either Warrant of Execution, Attachment of Earnings or Charging Order.

 

Once I get the requested info I know this credit card had PPI (I'm self employed) my claim will more than cover this debt.

Is there anyway that I can delay any action without applying to the court for a set aside ?

It's purely my own fault for not dealing with it at the time. I have no available funds to pay for a set aside.

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Did you not have a copy of the agreement when they took you to court originally ?

 

That would have shown if PPI was attached at inception. If it is likely that it was added at a later date, then yes, you need the SAR data.

 

What date do they need to respond by for the SAR.. you just say September!. They must comply within 40 calendar days.

 

You can check with the Post office on.. 01246 542091 to see if your postal order has been cashed. You will need the receipt you obtained with the postal order.. If you are advised it has been cashed. Ask if they would be kind enough to confirm in writing :)

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi CitizenB and thanks for your interest.

No, I didn't have a copy of original agreement - I didn't go to court

old card, probably started early 90's and cant remember if PPI was from start or added later. SAR'd for all, everything to included personal and business accounts and credit card accounts and loan accounts - I've got a lot of claims going on :)

SAR sent 13/11 so 23/11 is D day

Postal order cashed 20/11

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Sorry, been offline for a couple of days as phone cut off!

its quite possible that a new agreement was necessary but nothing I can really do at this stage I suppose other than wait for the SAR to arrive.

have written to SCM for CCA just to try and stall for a bit. Don't know if it will make any diff. at this late stage in the game but I figure a few letters back and forth can't do any harm :)

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Ok, so today I received a letter from Lloyds re SAR.

They say my letter has been passed to them from Data Subject Access request team in Scottish Widows ????????????????

asking me for another £10 as Scottish Widows have used my original payment for SAR to them.

I didn't send SAR to SW, I sent it to Lloyds, letter was addressed to lloyds and postal order was made payable to Lloyds

I'm fuming :mad2:

do you think this is a delay tactic ? I'm penning a stern letter of response

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anyone got any thoughts on the above ?

This is the letter I'm just about to send:-

 

Today I have received your letter regarding my request for information under the Data Protection Act 1998.

 

• My request was to Lloyds TSB Bank Plc, and not Scottish Widows.

• My payment of £10 was a crossed postal order made payable to Lloyds TSB.

• The security of a crossed postal order is that it can only be paid into the payee’s bank account.

• This postal order was cashed on 20th September 2011.

• I have not requested any information from Scottish Widows.

• I have confirmation that my recorded delivery letter of 31st August reached your offices on or around 15th September 2011.

• The Data Protection Act 1998 allows 40 days from the date you received my payment.

• The 40 days will expire on or around 25th October 2011.

 

For your clarification, I enclose a copy of my original request.

 

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That sums it up accurately and hopefully they will now get their fingers out and provide the information requested.

 

Scottish Widows.. that is Insurance isnt it ?

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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As part of the Lloyds Banking Group, Scottish Widows is proud to be an Official Provider of the London 2012 Olympic and Paralympic Games. Scottish Widows plc. Registered in Scotland No.199549. Registered Office in the UK at 69 Morrison Street, Edinburgh EH3 8YF. Tel: 0131 655 6000. Scottish Widows plc is a member of the Scottish Widows and Lloyds TSB Marketing Group, members of which carry on the business and services associated with life assurance, pensions and investments. Scottish Widows plc acts as the processing and paying agent for Scottish Widows Annuities Ltd. Scottish Widows plc is authorised and regulated by the Financial Services Authority (FSA Reg.No. 191517).

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I would agree with you, I am still puzzling how they can pass on the postal order which when crossed, is actually treated like a cheque and cant be cashed by a third party!!

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 2 weeks later...

just noticed the dates above, should read 23/10 as D day duh!

anyway, update

I haven't had a reply from my last letter sent to Lloyds.

I also wrote to SCM and haven't had a reply from them either.

I have however received a letter from the court saying bailiff will be arriving shortly to assess which goods are to be removed.....

I think I can deal with the bailiff but just about to send another letter to lloyds pointing out non compliance of SAR.

:-( having a low day, hate living like this

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  • 8 months later...

First a quick update -

Finally got SAR paperwork in April 2012, originally requested in August last year! and as expected it was incomplete so" failed" letter duly sent.

I got statements for CC only going back to 2000 (with a few missing)

I also received a copy of original CCA showing PPI had been selected by them, not me - even though they knew I was self employed.

So claim sent with spreadsheet and questionaire.

I was a bit confused as to which spready to use so I did all 3 ; CISheet v101, FosCISheet v101(1) and FosRunningPPI v101 (1)

as expected all 3 came out with different figures so thought I would be cheeky and send my highest calculation and let them prove me wrong.

 

Fast forward, today I have received an offer lower than even my lowest calculation. I honestly don't know if I've got it wrong or they're still cheating me.

Any advice on how I can check this before I continue any further

Also, can I accept their offer as part payment and continue to fight if necessary as I am in true hardship ? btw, I don't have to sign anything to accept, they say they are just going to send me payment within 28 days.

And is there anything I can do re the CCJ for this?

Thanks in advance

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ooer, I dont know - I will flag your post for one of the PPI guys :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi

 

Dropping in as requested by CB to look at the PPI bit.

 

You say you have statements going back to 2000....is that the start of the account?

 

Are they actually copy statements or is is a transaction history?

 

How many months statements are missing?

 

When was the account terminated?

 

ims

 

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Looks like they are holding off on the CCJ due to the PPI complaint, that can be dealt with as a separate issue though.Dealing with the AoE may be more prominent and realistic than even considering to set a side the CCJ.

 

http://www.legislation.gov.uk/ukpga/1971/32 see sections 9 &10

 

Application to Vary an Attachment of Earnings (N244) If you find that you can't afford to keep up with the installments because of a change in your circumstances, you can apply to 'vary' the order. This will involve filling in the above Application Notice giving details of your new circumstances, which the court will use to decide whether to change or even suspend the previously granted attachment of earnings.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Thanks guys :)

 

ims -

account started 03/1999

statements sent 01/2000 so 10 months missing from start and then 3 or 4 missing at different intervals so not hard to estimate.

Jan 2009 statement shows account charged off

last payment made was feb 2009 and no statements from that day onwards. ( and btw, my offer of marriage still stands from one of my many other threads :lol:)

 

Andy - yes I'm sure you're right, hardly any action been taken re ccj since I requested my SAR, only 1 DCA trying to collect but I dealt with them swiftly. Interestingly, amongst my sar info was a note from the court to LSTB saying I was no longer at current address ! not sure where that came from. anyway I think this issue can wait for now as PPI claim is my priority :???:

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Thanks guys :)

 

ims -

account started 03/1999

statements sent 01/2000 so 10 months missing from start and then 3 or 4 missing at different intervals so not hard to estimate.

Jan 2009 statement shows account charged off

last payment made was feb 2009 and no statements from that day onwards. ( and btw, my offer of marriage still stands from one of my many other threads :lol:)

 

 

I'm blushing again!

 

Ok so your best bet would be to use the fosCIsheet. Use the rate they were charging you on the card (or the average of it changed) and set the "Claim To" date as being Jan 2009 when the account was charged off. That is when they would have stopped charging you interest on the account.

 

Take that resultant figure and pop it into this statutory interest calculator. There will just be a one line entry in this...the date of charge should be the date of charge off in 2009 and the claim to date should be the date of settlement of the claim. the amount is the full amount as calculated by the fosCIsheet.

 

What does the statutory interest sheet then show as its total and is it close to the figure offered by them?

 

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