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    • 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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    • 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...
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DMP & CCA Help Required


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Hi everyone

 

I'm a newbie to this site having just stumbled across it. Wow I'm overwhelmed by the information so I thought it easier to ask for advice.

 

Firstly I'm on a DMP with Stepchange and have been paying it religiously for the last 6 years.

 

Original debt £40647.21, in the last 6 years I have paid £17271.00, balance = £23376.21

 

I want to clear this debt quicker, the DMP finishes in 2020 another 6 years. I work fulltime but don't have any savings, should I start to pick off the debts 1 by 1 and offer full and final settlements?

 

What is CCA that people are talking about? I'm a single mum with 1 dependent and work full time. My DMP payments are currently £300 per month but have previously been as high as £400. I can't bear the thought of another 6 years of a DMP.

 

Please help!

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can you list your debts please?

 

ever thought of PENALTY charges & PPI reclaiming.

 

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 don't think I've had penalty charges and never paid protective insurance so those aren't really an option.

 

I've got a list of my debts, most are with Debt Collection Agencies now here they are:

 

Marlin Financial Services (formerly Lloyds TSB Credit Card) £4639.18

Barclaycard £4459.67

Allied International Credit (formerly American Express) £3112.91

Direct Legal Collections (formerly MBNA credit card) £2417.06

Apex Credit Management (formerly Egg Loan) £1821.38

Barclaycard £1679.19

Argos Card Services £1590.23 (only creditor not frozen or reducing interest)

Moorcroft Debt Recovery (formerly Citi credit card £1476.34

Studio Catalogue £1299.59

Debt Managers Ltd (formerly Next store card) £583.31

Santander (formerly Alliance and Leicester overdraft) £297.35

 

Apologies my DMP was set up in June 2009 with the then CCCS, I have never missed a payment since.

 

Many thanks for your help and replies.

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Have any of these debts ever been challenged?

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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Has stepchange challenged 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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opps I smell a few cash cow accounts there

 

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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Share on other sites

paying for a debt to a dca

that you don't probably owe.

 

about 75% of DCa income is gained that way.

direct profit straight to their pocket

the actual debt never sees it

 

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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Share on other sites

Right I understand. Apologies, when I got divorced and ran into problems I opted straightaway for a DMP and have paid it ever since. I have no knowledge of CCA processes or anything else, very naïve on my part.

 

I'm spending some time reading the forums and trying to get my head around what to do, some of my defaults drop off this year. As soon as I was defaulted the majority of creditors passed it on to DCA's.

 

I'm thinking I should start the CCA process, but what about my payments to Stepchange? Not sure I want the hassle of people calling at the house or phoning but I suppose this debt isn't going to shift itself!

 

Thanks DX :-)

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there is nothing to stop YOU

doing the DMP yourself

 

but I would NOT be paying ANYONE

that does not hold enforceable agreements.

 

I would suspect 75% of your debt will vanish overnight.

 

not uour fault

 

no DMP paid or freeever actually bother to check

anything on debts

they just take it as sread that the threats are real

and the debts are real.

9/10 they are NOT

and they are inflated with PENALTY charges [late over letter]

 

and

 

contain PPI that you were spoofed out of

or didn't even know you had.

 

you are not alone millions of people do exactly the same

 

DCA's ARE NOT BAILIFFS

and

have NO SUCH LEGAL POWERS

 

they just spoof people by clever letter

or by phone calls threatening everything

including killing your aunts budgie.

that ofcourse you nor they recorded

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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Great, I'm getting there!

 

Ok do I keep paying Stepchange, if not they are likely to throw me off their plan.

Do I CCA everyone, all the debts were taken out between 2000 and 2006.

 

I work for local Government, is this likely to further blacken my credit file and see me in Court?

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great reason for getting PPI back them!

govt superannuation scheme & sick pay already.

 

once a debt has fallen off from your CRA file

nothing can bring it back.

and the debt will go of the cra file

on the defaults 6th birthday, regardless to being paid or not.

 

stepchange

as with most DMP's

will not allow you to remove

'individual' debts from the plan

as far as I know.

 

me thinks you've got a few shocks coming.

 

as to how wide this cash cowing effects you

 

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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Ok, I'm not quite sure how to proceed, I appreciate your advice already.

I'm guessing this is going to be problematic in comparison to paying a DMP to Stepchange.

Like I say I'm not used to dealing with financial matters in this way, Pushing a boulder uphill springs to mind, but I fancy the journey down on the otherside!

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Ok, CCA letters all prepared, just need to buy postal orders and then send them off.

 

I've decided to pay the DMP this month rightly or wrongly, that'll keep Stepchange off my back too. I'll post back once I start to get replies through.

 

Thanks everyone for the replies - much appreciated.

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great

what i'd do

is as the CCA requests start to return

 

start a new thread in the named bank forum for the original creditor.

 

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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Share on other sites

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