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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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Arrow/reston claimform - 'Company Account' MBNA credit card 'debt' - poss Statute Barred


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Hi there,

 

I have received a Claim Form for a debt i believe to be Statute Barred. The Claimant is Arrow Global Guernsey Limited and they are being represented by a Solicitors firm. In the Particulars the Contract date is 12.07.2008 whilst the assignment date to claimant is 20.12.2011.

 

I am pretty certain that there has been no payment from 2008 onwards and any previous payments were initially made from a company account where the company has now been dissolved. The company used my credit to obtain a credit card.

 

The debt has never appeared on my Credit File (requested from Credit Expert) and still does not appear recently. I have older reports saved that show this has never appeared.

 

I have submitted a statue barred defence and requested information on the account.

 

They have now sent me the transactions list - the total debt is circa £14k including the court fees and solicitor fees.

 

The last payment was made on 1 April 2010 so it is within the 6 years, however, I am adamant that I have not paid this or the previous payments - I had no idea of the amount on the bill, I have no recollection of the actual debt. They have never directly pursued me for this debt in last 6 years.

 

Having looked through the list of transactions and payments just under £6k is a "Finance Charge" or "Bank Charge".

 

Any ideas or recommendation would be grateful

 

thanks

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Hi there. welcome to cag. Can you please fill in this: http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-December-2014**

 

I'll also ask a site team member to move your thread to the correct forum.

 

 

hey are refusing to accept the SB status, then you will need to demand full proof tht the payment was genuine AND was made by you.

 

Just out of interest, how much was it, as arrow are very well known for inventing payments, then running off when 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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Claimant is Arrow Global Guernsey Limited

 

POC states the following:

 

The claimant claims payment of the overdue balance due from the Defendant under a contract between the Defendant and MBNA dated on or about June 12 2008 and assigned to the Claimant on Dec 20 2011.

 

 

What is the value of the claim? £14,472.15

 

 

Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Virgin Money Credit Card

When did you enter into the original agreement before or after 2007? I think 2008

Has the claim been issued by the original creditor

or was the account assigned and it is the Debt purchaser who has issued the claim. Arrows

Were you aware the account had been assigned – did you receive a Notice of Assignment? No

Did you receive a Default Notice from the original creditor? No

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No

 

Why did you cease payments? I do not recall any debt on the actual card - I remember taking it out and that is it - do not recall any payments

What was the date of your last payment? As per info required 1/04/2010

Was there a dispute with the original creditor that remains unresolved? Not Sure

Did you communicate any financial problems to the original creditor

and make any attempt to enter into a debt managementicon plan? No

They have sent me a sheet detailing the following payments:

 

01/04/2010 £267.23

27/02/2010

 

They have sent me a sheet detailing the following payments:

 

01/04/2010 £267.23

27/02/2010 £259.09

29/01/2010 £299.95

01/01/2010 £266.15

 

All by direct debit.

 

Recent letter from Claimant Sols states they enclose a "List of Transactions" and Copy of Notice of Assignment served on 15.01.2012 (which I never received)

 

They state that the last payment was within the last 6 years and disagree that the debt is SB, they invite me to withdraw my defence.

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Hi Omz,

 

Thread moved to the Financial Legal Issues forum.

 

Give us replies to the link posted in post #2. (you've just done this !)

 

:-)

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And the poc verbatim please

And the date of issue of the claim

Cca request under s78 to the claimant

 

CPR 31.14 to solicitors

 

For all docs mentioned in the poc

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EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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  • 2 weeks later...

Hi There, I wrote Restons the letter with the CPR 31.14 request. This is the response received.

 

In response to your 31.14 request, please note the following:-

1. The claim was issued via the CCBC which is a procedure specifically provided for in the CPR. etc

2. We would also remind you that CPR 31.14 states: - "A party may inspect a document mentioned in -

a) a statement of case

b) witness statement

c) witness summary

d) an affidavil

 

you would have been provided with the T&C's at the tome the account was opened and hence see no reason why you require a further copy

 

. further, the documents you have requested are not "mentioned" in the Partciulars of Claim and therefore 31.14 does not apply.

 

on a voluntary basis, we enclose:

 

1. A copy of credit agreement signed by you on 10 June 2008. The agreement was executed online which is evident from you having to tick the box to validate the authenticity and integrity of your signature

 

2. A reconstituted copy of the Terms and Conditions which governed the account at the time it was opened

 

3. Copy of statement of account dated 10 Nov 2010

 

4. Default Notice served by MBNA 9.12.2010

 

Then they are inviting me to withdraw my defence.

 

However, they have failed to confirm the payment details that were used to make the payments as I am confident I did not make these and that this was the Company Account that the card was on behalf of.

 

I have never received any of the above documents previously and they have an address where I never lived.

 

They are claiming that circa £14k is owed,

however, looking through the list of transactions nearly £6k is a "Finance Charge".

 

It has never appeared on my credit file and hence I was never aware of this - it still does not appear on the same.

 

Do I have any scope to have this debt removed?

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what date is on the top right of the claimform please

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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Sorry the card was on my name, but was taken out for limited company purposes. They were making the payments.

 

The company has recently dissolved.

 

I know that the payments were never made from any of my accounts,

 

I have not received any correspondence, updates and the debt has never appeared on y credit file which I save tentatively and have copies of over the last couple of years.

 

I was under impression that this account was closed and nothing owed.

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What defence did you file please

 

So the claim is stayed

 

And until rectums pay to have the stay lifted

They can wave their dangling bits all they like

And send what they like

 

But until the court tells you the stay has been lifted

I'd treat rectums letters to unsettle you with a large dose of salts

 

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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claim is auto stayed 33 days after you file your def

 

 

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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IMHO no.

 

 

was your def solely the SB one

or you mixed it in

 

 

could do with seeing it please

 

 

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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  • 1 month later...

Hi there,

 

I have now received an Application Notice from Restons asking the Court to deal with the Application without a hearing

as they do not believe that a Hearing is necessary.

 

They have stated....

 

Take notice that if the respondant to this application for summary judgement wishes to rely on written evidence at the hearing.

It must file a witness statement and serve copies on the claimants solicitors at least 7 days before the date set for the summary judgement hearing.

 

If the Court is not minded to deal with this application on an ex-parte basis the claimant seeks an order:

 

1. lift the stay on these proceedings

2. strike out the defence pursuant to CPR 3.4(2)

3. In the alternative to (2) above, an order for summary judgement against the defendant under CPR 24.4.

The defendant has no real prospect of successfully defending the claim

and there is no real compelling reason why the case should be disposed of at trial

 

4. An order that the defendant pay the Claimants costs on a contractual basis pursuant to CPR 44.5

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Can we see your defence please.....4th time of asking?

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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Sorry,

 

My defence said the following:

 

I believe the debt is statute barred pursuant to the provisions of Section 5 of the Limitations Act of 1980 and as such the claimants claim to be entitled to £15,223 is denied.

 

The Application Notice was received last week (midweek), there is no date for hearing... they seem to have made an application without a hearing.

 

I am confident that any payments that they are presenting were not made by me or from any of my accounts, plus from looking at the statement they have provided nearly £6k of the £15k is in "financial charges". It is a total farce.

 

Thanks in advance.

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Where did this application come from omz...your local county court or from Pestons?...You should receive notification from the court and they will insist on a hearing for this type of application.....and provide you a date.

 

As the claimant attached a witness statement in support if its application?

 

Regards

 

Andy

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Hi there,

 

Thanks for the reply.

 

I have not received anything from the Court as yet, just the copy of the Application Notice from Restons insisting on not having a hearing and stating that I would receive a Court Order.

 

They have included a witness statement in their application pack.

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You'll need to scan the witness statement and post it up - make sure to remove any identifiable information first (names, addresses, account numbers, references, claim number, etc)

 

It sounds to me like they may have made the application, albeit you've not been notified by the court yet. I'm no expert, but it sort of fits with a similar experience I had. Andyorch will confirm this though if you can post up the documents.

 

With regards your SB defence, I think you're walking on thin ice if you think the fact that the company made the payments instead of yourself will remove any liability for yourself. Nevertheless, you also have other issues to address - namely that significant difference between what you deem to the total due and what they're claiming.

 

Let's see the WS and we'll see what the guys suggest.

 

Sham

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