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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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Erudio/Shoosmith PAPLOC By email - old Scottish SAAS Loan


kints
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I received the following email from Shoosmiths regarding an old SLC loan that was sold to Erudio.

 

I applied for deferment every year until I turned 50 (at which point the debt should have been written off under the original t&c)

 

I used a modified version of the SLC form (changing SLC to Erudio & the deferment threshold).

 

Except for the last year when my objections to the original forms were (as far as I could see) removed and I felt I had no reasonable objection to their form any more.

 

They refused to process the applications based on the SLC form.

 

I am happy to go to court as I think I have a strong case.

 

I am in Scotland if that makes any difference.

 

How should I respond to the following email?


"Please find attached a copy of our client’s Letter Before Action.

We are keen to seek a payment proposal from you.

 

In order for our client to consider any offer to make repayments towards the outstanding debt owed, please find attached an Income & Expenditure Form for completion.

 

Please complete and return this form by 3 March 2021.. Alternatively, please contact us on 03700 868120 to complete this form over the telephone.
 
If we do not hear from you by the above date, we may be instructed by our client to take further action to recover the outstanding balance. This may include raising court action and obtaining decree against you.

 

A court Decree may affect your ability to obtain credit in the future and may result in further enforcement action being taken against you. This may result in us deducting sums from your earnings, taking steps to prevent you from selling any property you may own, and will involve you in further expense. No further notice may be given.

 

If you need to seek advice then you should do so as a matter of urgency. You may wish to contact a Solicitor or one or more of the organisations listed below who are able to provide independent advice.

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urm... they shouldn't be sending a letter of claim by email.

neither should you ever be giving/conversing by that medium.

 

can you still access the SLC portal to see what state they think the loans are at 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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  • dx100uk changed the title to Erudio/Shoosmith PAPLOC By email - old Scottish SLC Loan

I've never logged into the SLC portal and it's asking for letters from a secret answer that I know nothing about and seemingly no way to reset/recover it.

 

But realised that's maybe because it's SAAS that I got the loan from so I tried their website but it doesn't recognise and reference/account numbers I have as valid.

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It was still admin'd by slc which is now erudio got sold it

 

you should be able to ring slc and get access reset

however whilst on the phone you could ask them what deferment info they hold and about the reached 50 bit.

i'm not on my server so cant check till tonight.

 

whatever you do though if they say go ring erudio etc..dont!!

 

 

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've emailed SLC already about the secret answer, so I'll see how that goes.

 

The reached aged 50 bit comes from the loan being taken out in 1996 and the terms stating it would be wiped after 25 years after the first payment date or when you reach the age of 50.

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can i just check you were resident in scotland when you had the bursary?

 

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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Share on other sites

  • dx100uk changed the title to Erudio/Shoosmith PAPLOC By email - old Scottish SAAS Loan

Pretty sure you are correct

its not by royal mail either

they are well aware of you correct and current address?

so I'd ignore them.

 

Did you converse by email previously?? And or send your forms via email? Or royal mail?

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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Share on other sites

yes I have conversed over email and sent them forms both in email and by royal mail, firstly with erudio, then they sent it to capquest, then it went back to erudio and now with shoosmiths for a few years now.

 

And yes they are well aware of my correct and current address, I have only ever moved once since the loan and that was before Erudio and it was all plain sailing with Saas/slc.

Edited by kints
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ok well next time never use email esp when entering into what seems like pointless letter tennis on your behalf.?when you had no real need to reply to them in any manner or form.

 

it only encourages them you are a mug and gives them a free way to intimidate and harass you by email.

 

get some kind of records from saas/slc on what they believe is your current status as they do still do the Adminmost of these loans .

 

 

 

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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no not yet 

we'll cut of that methods should it ever actually progress to court.

 

 

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 for ref when was the last email you sent to them ......2019 deferment?

 

 

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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No, they contacted me in April 2020 not long after covid had hit the UK, but before any government support was announced.

 

They knew I was self-employed so I responded how I thought it was disgusting that they were threatening people with legal action at a time when many people like me were loosing their income and struggling to pay basic bills and buy food. 

 

Looking back at it the only difference this time is the Letter Before Action, to ramp up the pressure to agree to payments, I assume.

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5 hours ago, kints said:

yes I have conversed over email and sent them forms both in email and by royal mail, firstly with erudio, then they sent it to capquest, then it went back to erudio and now with shoosmiths for a few years now.

 

6 minutes ago, kints said:

No, they contacted me in April 2020

 

you are not being consistent here....

 

when did you last reply to any of them using email 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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OK I've looked back at my emails and it appears I've been dealing with shoosmiths since the start of 2019 when they sent a LBA that I'd totally forgot about.

 

I replied that I didn't recognise the debt and we got into a big letter tennis over the facts.

 

They then went quiet and then contacted me again in April 2020 asking for income and expenditure details to work out a payment plan with them.

 

After I responded with my covid comments they went quiet again.

 

And now they are back with another LBA and I haven't responded to that.

 

Hope that clears it up. 

Edited by kints
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ok well that changes things alot.

you've accepted one before by email  and now they are doing it again ..

 

might have shot yourself in the foot until now

lets get some 1st aid done.

 

gonna be a pain to redact but i'm gonna need to see all the emails in/out please in ONE MULTIPAGE PDF from/inc  date of their last PAPLOC  

redact them properly !! read our upload guide carefully

 

you may  think this is immaterial, but its not, esp important is their and your exact wording

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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:rockon:

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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Share on other sites

Your client already settled one claim of an unfair contract before it reached the courts, and they know from previous correspondence that I am aware of that case. please expand upon this case you refer too.

 

You believe you had provided proof timeously to demonstrate your earnings were below the threshold, therefore a default notice should not have been issued on 15th October 2018 and the account should have been deferred. - have you a copy of the DN?

 

 

I believe I have complied with the requirements as set out in the relevant legislation to have had the loan deferred and subsequently written off upon my 50th birthday. - when did you reach 60yrs?

 

In relation to the above matter being “non-existent” or “not owed”, our client’s stance regarding these points remains as previously set out in their final response letter dated 2 September 2019, they will not be addressing these points again and you remain liable for the full balance outstanding. have you a copy 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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Share on other sites

I don’t have the details to hand, they’ll be on an old IDE hard disk from my old computer and I’ll need to buy an adapter to access those files.

 

But from memory, I think the case was around 2016 in an English county court. A lawyer was posting progress on a case he was working on, I can’t remember which forum, arguing that Erudios DAF forms breeched unfair contract law.

 

Erudio settled the matter out of court just before the case was heard when the lawyers client accepted an offer to backdate all his deferments and make changes to future DAF forms.

 

Very soon after all the posts relating to the case were removed from the forum, I suspect as part of the settlement deal with Erudio.

 

TBH I wasn’t sure at the time that I was going to be able to use this anyway, given that there was no ruling on the case to refer to.

 

I just wanted to make them aware that I knew they had granted deferment to somebody who hadn’t used their DAF.
 
I turned 50 in February 2018.
 
Strangely, I can’t find a copy of the default notice or their final response.

 

I say strangely because I have what I thought were all my Erudio letters in a file in date order.

 

I can only think therefore that they were sent by email and I did have a period were I had to switch email providers and email addresses because emails were being lost, and then when I switched the previous provider deleted everything.

 

I did manage to backup some of those emails before the previous provider deleted them, but again they

would be on my old IDE hard disk, so I don’t have access to them right now.

 

Sorry I know this isn’t much help.

 

How essential are these letters?

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53 minutes ago, kints said:

I turned 50 in February 2018.

 

good issued the default after you turned 50 when any payment is not longer required on the loans and they should be written off.

 

it's fast becoming clear that they solely refused your SLC forms as a mode of deferring to create this whole falsehood.

 

the case your refer to about the new forms is detailed in this form in many SLC erudio threads.

 

if you could go get a USB converter lead to make your old HDD drives readable from amazon or somewhere , cheap as chips and <£5.

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 got access to the SLC portal and there is absolutely nothing there for the 1996 loan that Shoosmiths are dealing with, only a subsequent loan I took out in 2002.

 

What does that mean, if anything?

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