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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 and cyldesdale Loan - just issued a Section 87 notice


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Hi everyone,

I'm after some help advice, I have a loan with Clydesdale bank that has been passed onto Cabot.

I fell into arrears for 9 months due to some financial difficulties, I had since spoken to Clydesdale.

 

I have increased my monthly payment from £287 to £350 a month to carry on paying the loan whilst clearing the arrears at the same time which they were fine with, they made no mention of potentially being defaulted or the debt being passed onto Cabot.

I have made the payments since on time without missing any further payments and no further correspondence with Clydesdale by phone or letter.

In November I received a Letter from Cabot informing me they had bought the debt and to change over the payment details from Clydesdale to them which I have done via my online banking.

On Friday I have received a letter from them threatening that if I don't pay the arrears amount of £1602.40 under section 87 of the consumer credit act 1974 by 28th April 202 it will be defaulted. The debt on my credit report is currently showing as late payment which it had been showing when the debt was with Clydesdale Bank.

I've spoken to Cabot online who have been really unhelpful but have acknowledge I've been making monthly payments regularley as I was previously with Clydesdale but I haven't got a payment plan setup with them, I've explained to them that I don't have £1602.40 laying around otherwise I would've paid the arrears amount of and queries that how can I owe them the arrears if they've bought the loan from Clydesdale.

My question is; is there anything I can do which won't make my credit file any worse, what are my rights and will I need to find a way to clear the arrears regardless?

Any help would be most appreciated.

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What was the time period of the original loan ?

 

Is the loan period due to expire soon ?

 

How has the £1602.40 been calculated ?

 

You can register a complaint with Cabot and threaten to involve the FOS. That might at least get them to fully explain their actions.

 

 

We could do with some help from you.

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Hi Unclebulgaria67.

 

The original period of the loan was over 6 years.

 

The was due to be paid off in 2023.

 

The £1602.04 is taken from the arrears I owed Clydesdale Bank from missed monthly payments which now Cabot are claiming are now their arrears instead of keeping the bought debt as a whole sum which I’m currently paying.

 

is it worth me registering a complaint?

 

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Not really......Clydesdale bank  should have placed the default and instead marked your file with AP markers...but in effect you have defaulted so it should be showing on your file irrespective of who places it.The only problem with AP markers is that they can show indefinitely past the current guidelines of statute of limitations...whereas a Default Marker will only show for  6 years .....paid or unpaid.

 

Either are detrimental to your credit score ..but you could argue that the default should be backdated to the original default date.

 

Andy

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

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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stop ever talking to a DCA over the phone 

writing only from now on.

 

send cabot a CCA request

and sent Clydesdale an sar to get all the statements from day one.

as I bet there are lots of unlawful penalty charges like letter/late/failed dd/arrears fixed sum fees which can all be reclaimed.

 

just remember our golden rule:

a DCA is NOT A BAILIFF 

and have 

ZERO legal powers on ANY debt no matter what it's type.

 

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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  • dx100uk changed the title to Cabot and cyldesdale Loan - just issued a Section 87 notice

Thanks for that dx,

how do I go about amending/removing the appropriate sections

(Which ones as I'm not great with adjusting these sort of things?)

Will sending this CCA make my account with Cabot on the credit report go from Late payment to Default?

 

Sorry I ment late payment, not missed payment.

 

Head is all over the place today with the current events.

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click CCA request and read all the posts there not just the template one.

 

no a cca request is simply to check that they hold a copy of the legally signed paperwork (your agreement) , else if they don't it's deemed unenforceable till they do get one (if ever)!!

 

as for the SAR , not a lot to adapt, but read all the posts there too.

 

 

 

 

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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