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    • Should this to be take into court with him or should he send something in earlier?
    • This is the other sign  parking sign 1a.pdf
    • 4 means that they need to name and then tell the people who will be affected that there has been an application made, what the application relates to (specificially "whether it relates to the exercise of the court’s jurisdiction in relation to P’s property and affairs, or P’s personal welfare, or to both) and what this application contains (i.e what order they want made as a result of it) 5 just means that teh court think it is important that the relevant people are notified 7 means that the court need more information to make the application, hence they have then made the order of paragraph 1 which requires the applicant to do more - this means the court can't make a decision with the current information, and need more, hence paragraph one of the order is for the applicant to do more. paragraph 3 of the order gives you the ability to have it set aside, although if it was made in january you are very late. Were you notiifed of the application or not?    
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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.              
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Letter from CapQuest re Halifax Loan


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If it were me I would ignore it.

 

If you really feel you have to do something then send them the doorstep letter from the CAG library.

 

If they do pitch up, which is highly unlikely, you can tell them to leave and if thy refuse you call the police.

 

You are under no obligation to talk to these doorsteppers and they have no rights to demand your personal information or discuss your personal finances with you.

 

These missives are all designed to make you worry....you have the upper hand here and it is you who are in control.

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These are all very standard letters from capquest.

You will notice that the first one is actually all ifs and maybes.

As for the second one that is easily dealt with.

I would send this one

http://www.consumeractiongroup.co.uk/forum/content.php?426-A-letter-when-the-account-has-been-passed-to-another-debt-collection-agency

 

and this one

http://www.consumeractiongroup.co.uk/forum/content.php?410-LETTER-USED-WHEN-A-DCA-THREATENS-A-DOORSTEP-VISIT

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If Halifax is in default of a CCA request and the OP has placed the account in dispute then Capquest shouldn't be indulging in ANY recovery activity.

 

While any communication with a new DCA is normally an invitation to turn up the volume, I might consider a simple letter to Capquest informing them of the dispute in this case.

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If Halifax is in default of a CCA request and the OP has placed the account in dispute then Capquest shouldn't be indulging in ANY recovery activity.

 

While any communication with a new DCA is normally an invitation to turn up the volume, I might consider a simple letter to Capquest informing them of the dispute in this case.

 

I think that is just what I said...although I am not sure if capquest yet know the account is in dispute, which is why i suggested that letter

 

On another point I notice capquest are offering you a discount. Not sure how large it is but maybe that is because either they know the debt is unenforceable OR there are a lot of reclaimable charges on there which if reclaimed would actually exceed the level of discount.

 

Overall I really would not worry about them, although I would send the letters if only because it shows you have tried to cooperate/communicate with them and it gives you more power should they try anything.

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If they are offering a discount and they are only the agent as it would appear from their letters I would believe that the debt my have paperwork problems or they just want a payment then send the debt back to haliprats to chase the rest.

 

dpick

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I think that is just what I said...although I am not sure if capquest yet know the account is in dispute, which is why i suggested that letter

 

I didn't see your link was for the dispute letter. Thanks.

 

We both agree that OP should send that to Capquest - and for the same reasons. Debts often only get passed with very basic information like balance, contact details and (sometimes) account type.

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Thread moved to Debt Collection Forum.

 

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Andy

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  • 9 months later...

We received this letter from Capquest today and just a little worried with the wording of it. They say as they are the legal owners of the debt they can obtain regular updates from the credit reference bureaux regarding our current financial position.

 

Are they right in saying this as I thought this information would be covered by the data protection act.

 

Any help and advice would be appreciated.:confused:

 

Capquest07082013_zps1bc3efb3.jpg

Edited by OfW0lfAndMan
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Sounds really scary doesn't it? Such power they have !! However, along with most of the DCAs and creditors, they have access via subscription to look at the accounts for which they are owed money.

 

Had they previously advised you, in the correct manner, that they had purchased this account from the original creditor ?

 

Who was the original creditor and what type of outstanding balance is there.

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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The original creditor was Halifax who we have asked repeatedly to provide a CA but none has been provided. We believe this is because the account is 20 years old. This was last acknowledged in 2011. We had a letter saying they had purchased the account from Halifax and could now legally pursue it. We have also been receiving numerous phone calls but have not answered any. Only on one occasion did they leave a message. Are we correct in thinking that they cannot access all our financial information including our current bank, which is not the Halifax?

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Keep a record of phone calls - these can be classed as harassment -

 

See Harrison v Link and Roberts v Bank of Scotland Plc.

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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Have you checked your credit reference files lately? If not it would be a good idea to do so.

 

When was the last payment in or out of this account and have you acknowledged liability for this in writing at any time.

 

Crapquest are chasing a lot of very old Halifax accounts many of which have been statute barred for a long time.

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  • 2 weeks later...

A "One Time Solution!", an offer of a 30% payment to my account with every payment I make! Must end soon on the 01 September 2013!

Well this sounds great, I could do with a new three piece suite so where's the leaflet with nice, shiny furniture? Oh, one minute. My wife is saying from her bunker that it's a letter from capquest saying our account is being prepared for legal action, hence her being in the bunker. All phone calls have been added to our blocked numbers list. This is a very old, 20yrs+ account with no CA.When we wrote to Halifax asking for the CA for this account, they said they cannot provide the original CA and asked us to send them any documents we have for this account. Sorry, but we don't have anything going back that far.

 

Capquest19082013_zps9e5caf2f.jpg

Edited by OfW0lfAndMan
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:-)Me thinks it's time to hit the top ranks of Capquest Financial (mis) Management a demanding letter to Ms Helen Ashton their CEO perhaps.

 

I'll drat one if needed.:!:

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Yes please BRIGADIER2JCS a letter would be greatly appreciated. Thank you for the help. :)

 

Will :!:do, just finishing chores listed by she who must be obeyed (not):jaw:

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Ok before starting clarification please.

1. When was the last payment made on this account.

2. The 2011 'acknowledgment' what form exactly did this take.

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:-)Me thinks it's time to hit the top ranks of Capquest Financial (mis) Management a demanding letter to Ms Helen Ashton their CEO perhaps.

 

:

 

 

from their site :)

'We want to know how you think we are doing. If you have any thoughts or feedback, our CEO, Helen Ashton wants to hear from you.

Email Helen - Helen@capquest...'

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  • 2 weeks later...

Hi, i have defaulted on 2 Lloydsbank loans, Capquest has now bought the debt. They still haven't sent me a copy of my credit agreement which i requested a few weeks ago. Im not bothered about the letter that was sent to me ( which is exactly the same as the one below) but on checking Equifax i have nticed 2 new credit agreements for Lloyds have opened , obviously i haven't done this, but can someone say it could be Capquest who have done this, if so what can i do about it.

 

Thanks

Fran

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When a debt purchaser buys an account or accounts it must amend the credit reference files to show their company details, the default date on the entry MUST be the same as the original entry.

 

There is nothing you can do about this, the original creditors entry will either be removed or will be marked settled on the date Capquest acquired the debt.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

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