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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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Link Financial phonecall re: student loan


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Hi

 

I am hoping someone can help me.

 

I received a call yesterday from an unknown number on my mobile phone which left no voicemail.

 

This morning they have called again and I managed to get there in time then I answered my phone,

they referred to me by my Christian name and then confirmed my Surname,

but, they would not respond to me as to who they were and why they were contacting me until I had confirmed my details.

 

The reason they are contacting me was due to an outstanding debt to Student Loan.

This i had, many moons ago, gone through to CCJ on my credit rating and as far as I was aware this was paid off as a standing order that was on my account

and when I calculated the date to end on I stopped payment and heard no more.

 

The CCJ is no longer on my Experian record so now I cannot confirm details of reference numbers, balance or anything.

 

Link Financial asked me to confirm my address and are telling me I owe £2,350 and I have 21 days to pay this or someone will arrive at the door of my home to collect.

 

I am in employment but do not have that kind of money that I could pay this, but I dont think I owe this money.

 

When I disputed that I owed it they asked how much I thought I did owe.

 

They went on to state they would not accept payments if I am deemed liable

(at this precise moment in time I am working away from home but doubt in the eons of time I have any documentation regarding

this at all so may have to accept by default as I fear I cannot prove otherwise).

 

The original Student Loan was from 1994 (I graduated in 1998) and I believe the court judgement was dated 2004.

This went to court as I went through an acrimonious divorce, moved home and papers were not forwarded to me by my ex partner

and payments were not made due to personal circumstances at the time.

 

I have now given my current address to Link, who infomed me they will send paperwork, but what paperwork I have no concept of, and they stated they will ring me again in two weeks.

 

Please help as I dont know where to start to prove this has been paid.

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Hi,

 

First of all stop talking to Link on the telephone, do not ring them, if they ring you refuse to go through any security questions that they ask and say "in writing only" and hang up.

 

When you paid via standing order, was this to the Original Creditor, Debt Collection Agency, Solicitors etc. ?

 

If anyone ever does turn up at your property, they are not Bailiffs and have no legal powers, tell them to leave your property immediately or you will call the Police, if they refuse to move, call the Police and they will remove them on your behalf.

 

Untill Link write to you, I would just wait for mail to arrive officially from them.

 

When the mail does arrive, just ignore the big scary crayon writings of Court, CCJ, Attachment of Earnings, Doorstep Visit etc. All designed to scare and intimidate you.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Hello there, due to the age of the CCJ it will be unlikely that they'll be able to get their money. If they try and enforce the judgment the courts are likely to decline the request due ot the fact that the judgment is over 6 years old. The rules of the court + subsequent case law makes clear that 6 years is long enough and that only special circumstances may allow enforcement.

 

In short, I think you're pretty safe.

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Hi Stigman

 

Thank you for the quick response.

 

The SO mandate was direct to Student Loans.

 

I am just worried with me working away from home at present, if they were to arrive they may enter without me being there? Is that a potential? I have to admit to being worried beyond belief at this moment in time.

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Please do not worry about their agent calling whether you are at home or not. They have no powers. They are not bailiffs so cannot force entry or break in at any time.

 

I know it is easy for us to say [many of us having gone through similar circumstances to yourself] but try and put it out of your mind at the moment. When their letter arrives,

let us know the contents and we will advise the best way forward. Read Sequenci's post above again and relax.

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As has been said above, they will struggle to enforce the debt due to its age, if they took the risk of taking you to court the emphasis would be on them as to why they hadn't enforced it, moreover they probably know it is statute barred and are attempting to frighten you into paying. Please report them to the OFT, you can see that they have been in trouble with the OFT before - http://www.oft.gov.uk/news-and-updates/press/2009/58-09

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a CCJ doesn't become SB, but unless they enforce it within six years they will have to apply to a court for permission to do so however;

 

Section 24 of the Limitations Act 1980....

 

(1) An action shall not be brought upon any judgment after the expiration of six years from the date on which the judgment became enforceable.

 

(2) No arrears of interest in respect of any judgment debt shall be recovered after the expiration of six years from the date on which the interest became due.

 

For this reason alone, cc judges would not normally allow enforcement.

 

There is case law to suggest that 6 years is enough time for a claimant to enforce a judgment debt. In Patel v Singh [2002] EWCA Civ 1938 and Duer v Frazer [2001] 1 All ER 249 leave to enforce these debts were both refused.

 

The reason being is that it was held that the general rule is that the passing of six years is sufficient in itself and the court would not extend time unless their were exceptional circumstances and it is demonstrably just to do so. It would be for the creditor to argue the reasons for delay and argue why they should take the case out of the general rule.

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moved the thread here to the SLC forum

 

there are PLENTY of like threads here have a read.

 

this is one of links favourite tricks.

 

i was once candidly told that 75% of the money link 'earn'

are on SLC debt that people DO NOT OWE.

 

it goes straight in their profit pocket!!

 

dont get fleeced!!

 

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 again

 

When I returned home there was a mail waiting for me from Link. I forgot to scan it before I came back here, the salient points are:

 

1: This does refer to my Student Loan, including what I recognise to be my Student Loan number and to a balance of £23xx value

2: Does not give a statement of any payments that have been made to Student Loans, from the depths of whatever time I was making those payments

3: No reference to the CCJ which has now been removed from my credit file

4: References a company 'Thesis' (sp) that I am supposed to have broken an arrangement with, but with whom I have never received any communication.

5: Does say I must pay this money IMMEDIATELY

 

Any help as to where I go from here, as they did say they are ringing me back next week and would like to progress this or know my best course of action as I am beside myself. I really thought this was all done and paid for.

 

Thank you for your help.

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'thesis' is another of their 'spoof' names.

 

TBH i'd fire off the SB letter or just ignore them

 

whatever you do

 

do not talk on the hone

 

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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now that would be a first SQ:lol:

link proving they have a right to chase a debt.

 

bet the next trick will be the typical phantom payment spoof in july 2007......

 

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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