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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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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      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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Advice needed to avoid harassment


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I have significant debt in uk.

 

 

I don't currently have any funds and will be looking for a job before i can make repayments.

 

 

I need advice on how to avoid harassment by debt collectors during this period.

 

 

For example if i were to take out a phone contract ,

 

 

will the debt collectors be able to find me by searching my credit file.

 

 

Should i avoid getting into any new contracts until i have finances to negotiate with debt collectors?

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Can you give us breakdowns of your debts please. its not wise to bury your head in the sand, as some DCA's can be pretty litigious.

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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They can't have what you aint got!

 

Harassment is a criminal offence and is easily dealt with.

List your debts, and who too, this will allow CAGgers to give you the correct advice.

 

Loans? Credit Cards? Overdrafts? Store Cards? What?

When where they taken out,

How old are they?

How much are we talking?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Can you give us breakdowns of your debts please. its not wise to bury your head in the sand, as some DCA's can be pretty litigious.

 

Hi, What manner of contact is being made by DCAs now, if any?

 

When contacted by phone, Do Not answer 'security' questions, clearly state 'in writing only' and hand up.

Mobile phone calls, block numbers if possble.

e-mails, best ignored, don't reply apart from stating all contact to be made in writing and sent by Royal Mail.

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!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Isn't this a bit of chicken and egg, you have debts which may well be on your credit file and if they are it may be difficult to get other finance such as a mobile phone contract

 

It is relatively simple to bat off most DCA's however if you have money/a job and they hold a valid non statute barred/enforceable debt you could easily find yourself in court.

Any opinion I give is from personal experience .

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Can you give us breakdowns of your debts please. its not wise to bury your head in the sand, as some DCA's can be pretty litigious.

 

It is roughly 25000 pounds. there are 10 creditors. the debts are 5 years old. all are credit card debts. the reason why asked the question is that i wanted to save some money and them enter a full and final settlement with the creditors.

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I am sorry to say you are reaching the danger point at the 5 year mark. I assume you mean it is 5 years since they were defaulted? How long ago were they taken out?

 

I know this may sound crazy but if you have no assets and no job they are less likely to go after you in court and if they do you will be able to get a really low repayment of say £1 a month. If they do start to go after you and they gain a CCJ there would be the option of BR although that has consequences and costs money but clears all your debts usually within 12 months

Any opinion I give is from personal experience .

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If i were to declare bankruptcy. do you know how much it will cost?

 

Is there a bank which offers bank accounts for bankrupt people?

 

I have also come to know that if you have been abroad and come to uk then want to declare bankruptcy in the first 3 months since u have been in uk you have to go to high court in london, is that correct?

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pes i'd attack them if you start getting threat-o-grams

 

for now WHY do you even need a contract phone?

 

go payg.

 

see what happens then fire off CCA requests if you need too.

 

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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Dx is correct in saying that you should deal with them only when and if they contact you and there are some really good deals to be had on PAYG phones.

 

You ask about BR

Cost wise it is £525 + court costs of about £225 I think. You can get the court fees paid if you are not working and in receipt of certain benefits.

As for bank accounts , I understand that once you have gone BR then Barclays offer a basic bank account.

 

Give National debt line a call for more info but do be aware that BR is a big step with big potential consequences

Any opinion I give is from personal experience .

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