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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.              
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halifax card default, now with 1st credit, paid but still shows defaulted!!


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Hope someone can help.

 

After seeing my credit report recently there's a debt on there with a debt collection agency which was settled in 2013.

 

It shows as settled with the company that the debt was with on my credit report but it shows as a default with the debt collection agency.

 

I have contacted them by phone and I gave them proof and 14 days in writing to remove the default and they have still failed to do so.

 

What should I do?

 

Thank you.

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Hi

If a default is placed correctly, this stays on your file for 6 years from the date of insertion. Even if you pay it off in full, the default remains but is marked as 'settled'

 

They won't remove a legitimately placed default, even moreso as they have no incentive to do so as you have paid it off

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Hang on SF - its defaulted with 1st credit even though its been paid off...

I think the default is there incorrectly as it s showing incorrect.

 

We could do with some help from you.

 

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Hang on SF - its defaulted with 1st credit even though its been paid off...

I think the default is there incorrectly as it s showing incorrect.

 

Oh yes,missed the obvious! If Worst Credit had bought the debt, their name would show as the creditor. I think a screenshot of the credit file (suitably redacted) is needed to ascertain what is what

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If the account was paid up and settled after the default was issued by Haliax, then i can see no reason why it was assigned to 1st crud as no debt exists.

 

Saying that if the debt was settled after the default was issued by Halifax, that default will still remain for six years, even though marked as settled

Edited by obiter dictum
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I can't remember now but it was probably paid after being transferred to 1sr Credit, I just presumed that as it has been settled with Halifax it would show on my credit report as being settled with 1sr Credit Ltd as well rather than it showing as a default? Because why is the Halifax one settler but the other one showing as a default?

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doesn't matter if its paid off

a default was issued by the original creditor.

 

 

it stays regardless to whom owns the debt now.

 

 

shame you got fleeced of that money

wasted sadly

paying of a debt that has a default does not improve your rating.

 

 

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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doesn't matter if its paid off

a default was issued by the original creditor.

 

 

it stays regardless to whom owns the debt now.

 

 

shame you got fleeced of that money

wasted sadly

paying of a debt that has a default does not improve your rating.

 

 

dx

 

Ok, but why does it show as settled with Halifax on my credit report but not with the Debt Collection Agency? Surely it should also say settled?

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OK but it makes no odds

Won't improve your score any

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, but why does it show as settled with Halifax on my credit report but not with the Debt Collection Agency? Surely it should also say settled?

afaik, when a matter gets sold on, the orig creditor account there on file gets shown as settled. the new owner then puts their name on it instead (but they cant extend any default date).

once paid, yes, the new owner shld mark it as settled. but, as has been said, if its still within the default period, then the default will stay until its 6yr end.

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afaik, when a matter gets sold on, the orig creditor account there on file gets shown as settled. the new owner then puts their name on it instead (but they cant extend any default date).

once paid, yes, the new owner shld mark it as settled. but, as has been said, if its still within the default period, then the default will stay until its 6yr end.

 

OK thank you for all of the replies and help.

 

I'm just trying to improve my credit score, I have got 3 defaults on my report, they are from 2011-2013, since then no problems and my score is going up slowly.

 

I'm not on the Electoral Roll but will be from next month, will this improve my credit score?

 

Sorry to go off topic.

 

Thanks.

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yes being on voters will vastly improve your score

 

 

but it might be a slow climb

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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afaik, when a matter gets sold on, the orig creditor account there on file gets shown as settled. the new owner then puts their name on it instead (but they cant extend any default date).

once paid, yes, the new owner shld mark it as settled. but, as has been said, if its still within the default period, then the default will stay until its 6yr end.

 

My understanding of the credit file rules are that if a debt is sold to a DCA, they replace the name of the original creditor with their own, not create a new listing. It seems that there are two listings. One showing the original creditor which shows as settled and the DCA one. If so, the original creditor one should go as otherwise this will show that you have two defaults and not what it should be. One.

The DCA listing should be the one showing as settled.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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This happens all the time and is the basis of my recent case against BC, exactly the same reason, CRA shows 2 defaults for the same account because BC never removed the data when it was sold to HPH2, who then reg another default

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thats what i said in my post '...the orig creditor account there on file gets shown as settled. the new owner then puts their name on it instead'. ie there shld be one default (if applicable) in the end. and, if the amount has been settled, then it shld show as so!

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you quite usually get 2 entries for the same debt when its sold on

it doesn't hurt the file any more only 1 default counts anyway

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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I can say for a fact this credit score busines pushed by the credit agencies is all bogus in reality.

 

I have no CCJ or Defaults now, on the electoral register and yet still have a poor score with the credit agencies. I have a vanquis and Capital one credit card with a combined avaliable credit of 5k. Furthermore, an ARGOS store card with a £500 limit and Creation finance with curries retail a revolving credit of 2.5k.

 

Even with a poor score i have no problems obtaing credit.

 

The secret is to never miss a repayment, keep to your avaliable credit balance with small purchases and never over-extend with that avaliable credit.

All potential creditors want to know is your previous repayment history and if you are a sutable risk.

 

Even if you have adverse markers get youself things like a mobile phone account etc and start building those positive repayment markers. Well this is in my case anyway

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