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    • This is the other sign  parking sign 1a.pdf
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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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Natwest overdraft debt.


Ecker
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Received a letter from Natwest re SAR request.

 

this states they are dealing with my request and outlines their statutory requirements.

They have confirmed they will send the details within a month.

 

In the meantime I have had three letters from the DCA asking to contact them. The latest letters states " Failure to

respond within 7 days of receipt of this letter may leave us with no option but to recommence collection activity".

 

Should I still ignore this last letter or write to them stating I have requested SAR from Natwest?

 

Appreciate any advice given.

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I have a debt with Natwest for £44k on an overdraft. It is an unsecured debt which is from 2003.

 

They have now passed my file to a DCA and am not short where to go with this. 

 

I have attached the letter from Natwest transferring the debt and also the DCA letter.

 

Any help would be appreciated.

 

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ive removed your uploads as your info can clearly bee seen through the pen you've used

please read upload carefully again

 

theres is no need to blankout DCA details or dates etc,

just your pers stuff. that can ID you.

 

it is worthy to note that NatWest are one of the few original creditors that do still do court themselves

its very telling that , as it appears? they have sold the debt on?

 

get an sar running to them as the data on this AC could find the reason why which may well render it dead in the water or atlesst resolve some of the balance

 

 

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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it looks to me as though the debt has not been sold on.

who the DCA 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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Don't do anything, other than SAR, Nat West. This will arm you with all the information that you need.

 

The SAR will tell you when the default date was, last payment, fees and charges (possibly Reclaimable) were.

Also, do you remember when your last payment was?

 

We could do with some help from you.

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Ah OK, so not Statute Barred Then.  

 

Personally, I would SAR Nat West firstly anyway.  There could be a significant amount of reclaimable fees to offset against the overall Balance.  

 

Never contact them by phone, any correspondence in writing.

 

Do you own your own home?

We could do with some help from you.

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Brilliant, once you have the SAR, you can calculate things like late payments, interest on late payments etc and run them through an interest calculator. As DX says, somebody like NatWest only sells a debt on if there is something wrong with it. The SAR may well shed light on this.

 

How much are you paying them per month approximately, right now?

 

Do they have your current address details, this is very important?

 

I would ignore any communications, unless it's a PAP Letter before Action letter, if and when that ever comes.

 

You don't own your own home so no chance of a charging order, so that's a good thing

We could do with some help from you.

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Thats a very large overdraft amount...care to expand how it got to that level...this is personal not business ?

 

Andy

We could do with some help from you.

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Currently paying £100pcm. They do have my current address.

 

it got to that level as I was using the OD to keep my business afloat. None of the debt was classed as business loan etc.

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As said i bet the debt has not been sold on

moorcroft dont buy debts

 

bet their client is natwest on their letter

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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Hard to see why they would bother to take you to court, when a CCJ would probably only require you  to payback less than 100 PCM anyway.  How much of the balance is left?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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18 minutes ago, Ecker said:

Currently paying £100pcm. They do have my current address.

 

it got to that level as I was using the OD to keep my business afloat. None of the debt was classed as business loan etc.

 

And NW let it get to a level of £44 K unsecured ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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That is the sort of thing they were allowing back in the early 2000's. I remember ringing HSBC for a car loan in 2001, asking for 2k, they offered me 30k !!. My annual income was only 21k PA.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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  • AndyOrch changed the title to Natwest Overdraft Debt

and moorcrofts client is?

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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So def not sold on then.

sar is going interesting

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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