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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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American Express Corporate Card


chimp123
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Hi all,

 

I have a corporate card through a very large organisation and I am leaving the company next week to start a new role.

 

 

I have never missed a payment but the past month I have ran up a £2000 bill roughly.

 

 

Stupid I know and I haven't missed a payment or anything.

 

 

My question is.....

 

My american express doesn't show on my credit file at all.

I can not pay the full £2000 off in one go like you have to every month.

If I didn't pay the bill my understanding and

this maybe naive is that the company I used to work for has to pay it?

 

If I did not pay it how could it effect my credit report?

I am thinking it won't because it doesn't even show.

 

If I don't pay the amount I will get a few nasty letters I presume.

 

My point is if I don't pay the £2000 nothing will really happen?

 

Am i being stupid, probably am.

 

If I didnt pay what is worse case? As long as it doesn't affect my credit report I am not really that bothered.

 

Thanks for help

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Not sure they will notice in time before I get paid but I did think that. I believe its happened to someone else for a much larger some but they weren't allowed to deduct the wages?! It is my own fault but only thing I am worried about is my credit file because I am just starting to repair it and can't see how it will effect my credit report if it's not even on there?

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Thanks for the reply. That would be fine because they I can pay them monthly and it doesn't affect my credit rating. It's a massive company that earns millions per quarter so I reckon they will do that. Suppose I won't know until it happens

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Hey all been doing some research and

 

 

because I work for a large company I believe (could be wrong) but my instincts tell me that the debt will fall on the company

and not my credit report.

 

 

Because the application didnt involve checking my credit score etc hence why i got one in the first place.

 

 

Anyone had any experience or got anything else on the part about affecting credit score im pretty sure I am right

 

 

but anyone with experience of this please give me a shout

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  • 5 months later...

Hi all

 

I have today received a letter from Ashmore credit solutions on behalf of American Express for collection of money owed.

 

At the moment its the first letter I have received and they have been calling me once everyday. They are stating failure to respond may lead to legal proceedings. I have received debt letters before from the like of lowell chasing things from years ago and I just ignore them as I know they won't do anything and the debt with them is statue barred.

 

But this letter from Ashmore seems very profession and different to others. I owed around £3000 on a charge card I can with an old company. The card had my name and the companys on so I thought they were liable but I am prob wrong and its my that is.

 

My questions is what should I do next?

Should I ignore Ashmore's?

Anyone dealt with them before?

Should I reply?

 

At present I don't have a default or anything for this debt as it was a charge card.

I don't want it getting to court and getting a ccj because I am just getting clear of debt.

But because it a charge card I am unsure if this will effect my credit or will ashmore credit solutions take it further.

 

Any help would be appreciated.

 

Thanks all

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Hi all

 

I have today received a letter from Ashmore credit solutions on behalf of American Expressicon for collection of money owed.

 

At the moment its the first letter I have received and they have been calling me once everyday.

 

 

They are stating failure to respond may lead to legal proceedings.

 

 

I have received debt letters before from the like of lowell chasing things from years ago

and I just ignore them as I know they won't do anything and the debt with them is statue barred.

 

But this letter from Ashmore seems very profession and different to others.

 

 

I owed around £3000 on a charge card I can with an old company.

 

 

The card had my name and the companys on so I thought they were liable but I am prob wrong and its my that is.

 

My questions is what should I do next?

 

 

Should I ignore Ashmore's?

 

 

Anyone dealt with them before?

 

 

Should I reply?

 

 

At present I don't have a default or anything for this debt as it was a charge card.

 

 

I don't want it getting to court and getting a ccj because I am just getting clear of debt.

 

 

But because it a charge card I am unsure if this will effect my credit

or will ashmore credit solutions take it further.

 

Any help would be appreciated.

 

Thanks all

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3 threads on same debt merged

please keep to one thread

 

 

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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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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Do you think I should ask for a cca? Or a Sar? Or should I sit tight for now? Not sure what to do a little worried now

Got another letter today saying they haven't heard from me and that if I am unable to settle account they maybe willing to set up a short settlement or instalments? Should I ignore seems desperate saying settlement already or they just trying to get my to reply?

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so a discount letter

 

 

must be needing monies for the xmas drinkies party.

 

 

pers I'd let it run.

 

 

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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Could I just ask, why wouldn't you pay the money you owed though?

 

As back in May this year, you admitted you ran up around £2000 on the card.

 

Did your Company at any point ask you for the money to settle your bill, after you left?

 

Could you not make contact with them & make an arrangement to settle this once & for all?

 

As me personally, I can't see why your Company should swallow the money that you admit to spending in your last month.

 

It just don't sit right with me...

I don't suffer from insanity, I enjoy every single minute of it!!

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  • 2 months later...
thanks I'll let it run for now.

Got another letter today. Pretty much demanding payment by 4pm on 4th March or legal proceeding will begin. Anyone dealt with brachers llp in the past? Can't find much on them in terms of cases? Should I sit tight or request proof of anything? Thanks

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Could I just ask, why wouldn't you pay the money you owed though?

 

As back in May this year, you admitted you ran up around £2000 on the card.

 

Did your Company at any point ask you for the money to settle your bill, after you left?

 

Could you not make contact with them & make an arrangement to settle this once & for all?

 

As me personally, I can't see why your Company should swallow the money that you admit to spending in your last month.

 

It just don't sit right with me...

hello it is a very fair question and if it wasn't a massive organisation I would pay the money back. The company has never asked for the money back just Amex. Because it was a corporate card my thinking is the company have to pay it. They are worth billions so 2k to them is nothing. Does it make it right what I have done. No of course it doesn't.
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will are you sure it says that

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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will are you sure it says that

dx

 

 

sorry not sure what you mean?

 

 

If you mean the letter.

 

 

It says please pay by 4th March or our clients have asked us to take legal action.

 

 

It could be just a threat letter?

 

 

Never dealt with Brachers LLP before.

 

 

If it was Lowell I wouldn't care less but these seem a little more professional?

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have asked...

 

 

doesn't say will anywhere then

 

 

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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They are worth billions so 2k to them is nothing.

 

 

There have been a lot of huge companies gone bust making thousands unemployed. Never judge a companies size with how well it's doing or what money it has in the bank.

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Ok, is this money you spent on yourself? Or is it stuff you have paid for for work? If its work, submit the receipts and its done. If its your spending, then pay up. You would have signed the card agreement.

I cant believe you think that just because its a big company, they should pay your bill for you. Can you imagine if someone in government did the same? We would rip them to pieces.

I'm sorry but this appears to be a case of trying to wiggle out of a legitimate bill.

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  • 4 weeks later...

Hello the company is worth billions and still making billions! Sky! Anyway you are right doesn't make it right. Should of been clear it's not a legitimate bill because it was a charge card that they supplied me and they were responsible for. I never signed anything to say I am responsible or yes correct I would have to pay the money. I have today recieved Northampton county court business centre. I've not recieved a default notice but do I on a charge card? The reasons for claiming are poor? Which I will post up so. I haven't replied to Brachers llp or done anything yet. Any help would greatly be appreciated on what to do next or how to reply? Thanks

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This is very unclear to me, especially when you say "it's not a legitimate bill".

 

It's quite simple really: is your spending on this card for items or services purchased on behalf of your former employer, or was it personal spending? If the latter, what possible excuse could you have for not paying off your debt?

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