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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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Cabot - AA Loan


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Firstly I am new here so hello to everyone :)

 

I found this Site some weeks ago after coming across this thread about someone who had taken on Blair Oliver and Scott and won. I can't post the link on here as I am a new member, but as I am currently dealing with Blair Oliver and Scott thought I would post my story here.

 

 

I took out a loan with the AA in February 2008. Up until April 2010 I was paying £196.10 every month. Unfortunately I was made redundant in 2009 but had managed to repay this loan until April when things became very difficult. I saw someone at the CAB and they suggested I contact the AA, advise them of my current financial position and suggest I make a nominal payment until such time as I was able to make the full payment again.

 

This I did and agreed to pay £25 per month. No formal agreement was entered into and I made the payment online via my bank.

 

I received a letter from the AA in August 2011 informing me they were issuing me with a Default Notice. I then had a letter from Blair Oliver and Scott dated 3 October informing me my debt had been passed to them. I've been in touch with them and agreed to pay £25 a month which I am doing.

 

I know that they are in fact the Royal Bank of Scotland (who I assume the AA finance are part of too) and I am well aware of their tactics. When I've been in touch with them they come across as totally unprofessional and have no idea what they are doing. I was kept on the phone for over 30 minutes by someone who was doing a financial statement with me. I actually complained to her Line Manager about this and at least he had the good grace to offer me £15 for the phone call.

 

I also know that they do not send out a statement of how much you have paid, in any event I am keeping a statement myself.

 

My question to the knowledgeable people on this Forum is this -

 

The AA did quote the Agreement Number on their letter of 11 August so I assume they would have passed this over to BOS? Is the fact that they passed it over to their "debt collector" legal?

 

Any advice would be gratefully received :-)

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Hi and welcome

 

Companies can farm out their debt collection activity pretty much willy nilly so no illegalities there I think.

 

If Blair Oliver are only collecting on behalf of the AA you can drop them from the loop and revert to paying the OC direct. This will ensure that all payments actually go to the account.

 

You may have charges on the account that you can claim back as well. Also any mis-sold PPI?

 

ims

 

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Thanks for your reply IMS, the amount I was paying each month had £50 or thereabouts of interest added on so that was included in the total amount. The amount outstanding is just under £9000. I wonder whether I can get this interest removed?

 

I didn't buy any PPI fortunately :-)

 

I don't deal with the AA at all now, only BOS who refer to my loan as being with the Royal Bank of Scotland!

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HI please note BOS is the inhouse recoveries of

Bank of Scotland now HBOS not RBS.????

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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I mention it as someone I am helping sent

a bundle of docs to the wrong bank:madgrin:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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urm how big was this loan?

 

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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Just had a quick look are BOS just assigned

to collect or has the debt been sold on??

Have you requested a copy of the agreement??

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

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It was taken out in February 2008.

 

Original amount £13,000. Interest on loan was £1,700. Total in all was £14,707.

 

86 monthly payments of £196.10.

 

Interest applied each month was £60ish at first and then at 02.02.10 it was £58 a month.

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Brigadier,

 

I had a letter from AA Finance on 11 August 2011 informing me of service of Default Notice.

 

No further correspondence until 3 October 2011 which was a letter from BOS informing me they were a debt collection agency instructed by Bank of Scotland and quoting my Account Number. They asked for the full amount in this letter at which point I rang them and told them to stop being so ridiculous, did they think I had £9,641 spare?

 

I need to get a statement from the AA as the amount outstanding differs from what BOS say is outstanding.

 

I have not requested a copy of the Agreement because they have my account number which is the loan account number so I assumed they have all the information?

 

Am I correct in this assumption or should I write to request a copy?

 

I did write to them (BOS) in the past to complain about their contact means, and to set out what I was proposing, but when speaking to them by phone at a later date, they had no record of ever receiving my letter. They seem pretty hopeless to be honest.

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I would send the CCA request to BOS asnap

see template i Cag library green button top

left on this page cost is £1 send a PO marked

for statutory fee, the have 12 + 2 days to reply.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I've just been looking through my correspondence and it appears that the AA contacted me on 18 November issuing me with a Notice of Arrears as at 4 November 2011.

 

Would anyone know why they have been in touch when BOS are "supposed" to be dealing with this loan now?

 

I have a copy of the Credit Agreement that I was sent when I took out the Loan with the AA.....I'm not sure why I would be asking Blair Oliver and Scott to supply me with a copy?

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It is any easy assumption these days that

individuals rarely keep documents once credit

is in place.

BOS are ''agents'' for the AA in this so the statement

of arrears has been sent direct by the original creditor.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Sorry but you say "confuse it not always easy to read every post..... "

 

So now I have established that I do not need to ask Blair Oliver for this copy Credit Agreement....

 

However can someone please advise why you would need a copy from the "debt collectors" in the first place?

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I've been in touch with them and agreed to pay £25 a month which I am doing.

 

I was kept on the phone for over 30 minutes by someone who was doing a financial statement with me.

 

 

If you are paying them via Direct Debt or a Debit/Credit Card, stop & cancel the Direct Debit and if by card, cancel the cards with your card issuer and request new ones, DCA's have been known to raid acounts, you will need to set up a Standing Order, you can request their banking details.

 

You are under no obligation to provide any DCA with your personal financial details, the person on the other end has as much financial knowledge as my dog does!

All they will do is manipulate the figures and then put pressure on you to pay more than you can comfortably afford.

 

As you were made redundant, if your claiming benefits, you can drop the monthly payment to £1 PCM until your circumstances change in the future.

 

Best Wishes

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Hi Stigman

 

Oddly enough I said I would pay £35 a month and the woman I was speaking to said "can't you pay any more, that is going to take ages to pay that off"....

 

I said no. I paid one £35 in October and since November I am paying £25 a month. I have a letter from them confirming this.

 

They take it out of my bank account each month. I did suggest paying by Direct Debit but they said they can just take the amount out.

 

In view of what you have said I will go into my bank and speak to them about a new card. I will also contact Blair Oliver to request I pay by Standing Order from now on.

 

I was made redundant a year ago but have worked since, but am still in a financial quagmire from being out of work for a period of time.

 

Thanks for your assistance.

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The principle is that you ask the DCA for the copy

of the agreement, if they or the original creditor

cannot provide a copy, Irrespective of the fact that

you have one, as if they cannot provide

the document OR an acceptable reconsitution of the

agreement, said agreement cannot be enforced in court.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 4 weeks later...

More advice needed please :)

 

I have obtained a copy of the Loan Agreement from Blair Oliver and Scott, well in fact it came direct from the AA only proving that Bank of Scotland and Blair Oliver are the same.

 

I have just opened a letter received yesterday from the Halifax showing their address as Pitreavie Business Park, Dunfermline KY99 4BS. This letter encloses MY LETTER TO BLAIR OLIVER AND SCOTT DATED 15 January where I request a copy of the Credit Agreeement. It says that the Account Number I quote is not valid and they are therefore not able to provide me with the information.....yet it is the same account number that the AA and Blair Oliver quote!!! They also return my £1 postal order fee in the form of a cheque.

 

The plot thickens.

 

Anyone care to help me shed light on this.

 

If this is confusing here's what's happened - in brief :)

 

15.01.2012 Sent formal letter to Blair Oliver Scott requesting copy of Loan Agreement.

 

23.01.2011 Received copy of Agreement direct from AA in Chester.

 

28.01.2012 Received letter from Halifax Card Services in Fife refunding £1 fee stating they cannot provide me with the information I request because I have not quoted a valid account number. The account number I quoted is the number on the Loan Agreement - I have checked and double checked. It also also the same number that Blair Oliver and the AA quote.

 

H E L P :)

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as a side issue

does this debt show on your cra file?

 

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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