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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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      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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My Debts and my journey into and after failed IVA..


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I've taken those down as they all show some form of ref number

they could ID you from

the forum is anon.

 

 

if I was getting those letters

i'd scan for a record of themand give them to the hamster as bedding.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

Ok the saga continues.

 

I sent off a CCA to 1st credit and am very confused by a letter I received from them.

 

They state that it is a Copy Agreement/Contract which I have never seen before

and have stated that 'True Copy means that a copy agreement does not need to be a photocopy or exact copy of the signed credit agreement.

 

For example there is no obligation to include the signature or date of signature.

It is permissible in Law to do this by re-populating a template with the details of the agreement taken from the creditors records.'

 

I am really confused by this as I have never seen this Copy Agreement/Contract before.

I have attached some of the parts of the letter for you to take a look and to let me know what to do from here.

CCA return .pdf

Edited by dx100uk
pdfs merged and shrumk
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next time put ALL the scans into ONE mulitipage document please

then pdf and upload that.

 

I gather this citi card dates to prior to apr 2007

so a recon agreement Is no good

must be a copy of the one you signed when you took the card out

safe to ignore that bog roll me thinks

 

can you scan everything they sent please

pop it all in ONE document and post that up here

lets just check

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi

I think the good news is that the two biggest debts are really quite old and many debts that age are unenforceable because the agreements are defective. While it is true that a recon may satisfy S77-79 they do need to show that you signed a compliant agreement and the easiest , but not only way, is to produce at least a copy of the original.

 

Should the worst happen and a claim is issued for either of the large debts they would in all likelihood go to the fast track and as such it would be easier to find good quality legal advice and representation that would be free or pretty much free - should you have a good case.

 

As for responding , I tend to agree with DX , wait until they do send a substantial threat for example a letter before action ( sometimes called a letter of claim). That is the point where you send a S77-79 request as well as asking for the documents they are going to rely on -but all that is in a possible future.

Any opinion I give is from personal experience .

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Thank you for your response. I must say that I did hear from Lowell and they are not pursuing the debt as they are unable to find the original documentation. I will try to upload the document above into multi pages. I also heard from Minicredit who has sent me an email stating Notice of Intent however i have placed this on another forum for debt collectors.

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With the associates card, the agreement should have the prescribed terms

Name and address of you at the time you opened the account

their name and address

The manner in which the credit limit will be decided or the credit limit

How payments are to be made

 

If these aren't included it fails

You will need proper advice from people on here should they issue a claim. I am afraid I am not the expert but am still batting off my creditors 4 1/2 years after stopping payments

 

The thing is, they can comply with a S78 request by sending a true copy of what you signed. Now some people make the mistake of telling a court they didn't comply with S78 because the agreement wasn't correct BUT if they sent what you signed or what they truly believed you signed they have complied . If that is the case you have to move to S127(3) which states that an inproperly executed agreement can not be enforced . This was repealed for agreements made after April 2007

 

Sadly I have seen cases lost because the argument presented to the court was not the correct one

Any opinion I give is from personal experience .

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Thats a reconstituted version of your agreement (1st Credit)...most probably cant find the original.

 

Andy

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  • 3 weeks later...

Just a question I have been pondering.

 

When debts are no longer reported,

I am assuming that they are removed from your credit file.

 

Does this mean that companies no longer chase you for them.

 

does it mean that your credit score remains the same?

 

How does it work:?:

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Does this mean that companies no longer chase you for them. does it mean that your credit score remains the same? How does it work:?:

 

Hi,

 

The debt still exists after removal from your file and companies will continue to try to collect them. I'm not sure if it will make a great deal of difference to your credit score.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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certainly will if they dropped off because their default reached 6yrs.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I have updated my debts and removed those that are not on my credit file and not been chased probably because they were taken out in 1999. They were my largest debts and since their removal my debts have been reduced to approx £15,000. Would I be able to get a Debt Relief Order on these?

Updated debts list - October 2016 (1).pdf

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Have you checked if they're enforceable yet?

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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as advise a few times now

 

as for the payday loanslink3.gif

you need to go make a thread about then in the PDL section

 

twill probably turn out most of those PDL's can be written off due to irresponsible leaning

take them OUT of your list

 

and go start a thread in the PDL forum.

 

 

new thread here

http://www.consumeractiongroup.co.uk/forum/showthread.php?470197-£3k-of-PDL-s-from-2012-what-should-i-do

 

 

for the PDL's

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 years later...

I took out an IVA in January 2012 however it failed and went to court in March 2013 due to unemployment. 

I received a letter from them dated February 2015 with court information (as they took me to court) stating 

 

' Further to the failure of the Debtors' Individual Voluntary Arrangement, the Supervisor retained the power to deal with any pending PPI claims and recovery of VAT (where applicable).

 

Any potential PPI monies have been received by the Supervisor and distributed in accordance with the IVA proposal as modified.

However, where further IVA assets, such as PPI are realised after completion of the IVA, these will be realised by the Supervisor acting as trustee of those assets which will be distributed in accordance with the IVA'.

 

I just need some clarification about this.

How long does the Practitioner duties last and does this mean that any PPI claims that I may make in the future and awarded will go to the Practitioner for distribution?

 

Thank you for your help. 

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the IVA failed that should have been the end of 

however and i don't understand how, but you allowed them to take you to court and get some kind of judgement...whatever that was.??

 

typically it's 6yrs from the time you entered into the latterly failed IVA.

unless whatever the court did varied that date.

when an IVA fails everything is normally reset to as if it never happened bar payments made to creditors resetting your SB dates.

you are better out of it anyway

 

most IVA's are designed to fail from the get go and simply feeds the practioners with ever increasing fees making sure little money ever gets off your debts but lines their own profit pockets

 

 

a week or 2 ago the FCA brought in new proposals or rules to combat these very pirates. 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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what did the court say do or got involved with or said?

 

typically if an IVA FAILS it's cancelled as if it didn't ever happen, they would be entitled to nought

but i'm puzzled as to what this court case was about?

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • dx100uk changed the title to Debt How long does an IVA practitioners role last?

threads merged 

reading up now.

 

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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