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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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    • We have finally managed to obtain the transcript of this case.

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Lowell chasing debt from wrong person


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My daughter's friend found an invoice by chance at home addressed to her from Littlewoods for items ordered from the catalogue.

 

She discovered that her sister had opened an account in her name

(her sister already had an account in her own name that she had defaulted on payment).

 

She wrote to Littlewoods indicating what had happened.

 

For a year she was passed around from department to department until

 

this week she received a letter from Lowells indicating that as she knew the person involved it was not treated as fraud,

it was a civil matter, and that the company would be chasing her for the debt.

 

I cannot believe that this is the case and would appreciate any comments.

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hi and welcome to cag

 

they can try!!

 

 

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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Lowell up to their normal tricks again.

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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Lowells have made someone bankrupt in this type of situation before and it took the person concerned ages to get out of it. There was a long running thread on CAG detailing the saga the person went through.

 

Whoever took out this account should deal with the debt, before it gets to a silly situation. Whilst you cannot be responsible for the actions of a family member, if this person has caused you a problem, they need to deal with it. You could report them to the Police for fraud.

 

Check your credit record.

We could do with some help from you.

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I think she is prepared to go to the police now but feel that it would be preferential if the company itself were to involve the police. She still has to live with her sister and would prefer to say that it was not her that contacted the police. I am not sure as there is lack of paperwork but it would appear that this account was opened whilst she was only 17 - how would that be possible with all the credit checks that are supposed to be carried out?

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I think she is prepared to go to the police now but feel that it would be preferential if the company itself were to involve the police. She still has to live with her sister and would prefer to say that it was not her that contacted the police. I am not sure as there is lack of paperwork but it would appear that this account was opened whilst she was only 17 - how would that be possible with all the credit checks that are supposed to be carried out?

 

You cannot have a credit account below the age of 18. Perhaps they should send a photocopy of their birth certificate to Lowell, saying that they need to return the account to Littlewoods, as it is quite clear that the account has not been legally obtained. i.e it is not possible for someone under the age of 18 to apply for a credit account.

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 OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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Yes, I have no absolute proof of when the account was opened. Most of the paperwork has obviously been intercepted by the sister and the only indication I have of the account being opened before her 18th birthday is that there is a statement showing late charges just about a month after her 18th birthday, hardly giving any time for opening the account, credit checks and ordering items before late charges accrued.

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Lowell will NOT contact the police. They would rather harass an innocent person to try and get money out of them.

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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Littlewoods should have done something about it when they were first notified a year ago but they continued sending out goods. In the circumstances they were given my address for correspondence but failed to respond, even to say they could not send to my address. They should have acted more responsibly when notified of the problem.

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They are happy to chase her for the debt and get something rather than accept the truth and get nothing. She must force them to make the appropriate moves to clear your records and as this involves the sister, she is better placed to get co-operation from her if she are not bothered that the sister is a thief and a fraudster and has dropped her in it. There really wont be a nice outcome for this matter and it is better that the matter is faced head on sooner than later.

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