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    • This is the other sign  parking sign 1a.pdf
    • 4 means that they need to name and then tell the people who will be affected that there has been an application made, what the application relates to (specificially "whether it relates to the exercise of the court’s jurisdiction in relation to P’s property and affairs, or P’s personal welfare, or to both) and what this application contains (i.e what order they want made as a result of it) 5 just means that teh court think it is important that the relevant people are notified 7 means that the court need more information to make the application, hence they have then made the order of paragraph 1 which requires the applicant to do more - this means the court can't make a decision with the current information, and need more, hence paragraph one of the order is for the applicant to do more. paragraph 3 of the order gives you the ability to have it set aside, although if it was made in january you are very late. Were you notiifed of the application or not?    
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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...
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Pudsters14 vs MBNA


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Oh and when I asked for my CCA verbally today, Link said that they needed a sample of my signature before they would send it out, I told them no way but they said thats the only way I will get it. Plus I have to send photo ID.

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Total rot

 

If they can address court paers to you they can sure as hell send you a CCA

 

Hopefully PT wil pop aong soon and advise, would imagine he'll recommend a Part 18 request for information, on the basis that you can defend yourself without all info available

 

Did the Claim form not have a CCA attached then?

 

They are obliged by CPR to include a copy of the agreement they seek to rely on

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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Hi, Pudsters,

 

You might be better off starting a thread in the Legal Issues forum, where you'll receive lots of great advice on your defence etc, now that a DCA have made a claim against you.

 

Sounds to me that they haven't got an enforceable CCA, as they seem reluctant to send you anything. Very dodgy ground, I'd say.

 

Don't worry - lots of people have been in your position and managed to defend cases successfully, including me.

 

Cheers, BAE :)

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Total rot

 

If they can address court paers to you they can sure as hell send you a CCA

 

Hopefully PT wil pop aong soon and advise, would imagine he'll recommend a Part 18 request for information, on the basis that you can defend yourself without all info available

 

Did the Claim form not have a CCA attached then?

 

They are obliged by CPR to include a copy of the agreement they seek to rely on

 

Yep , IMHO a part 18 would be the first letter i would send them

 

 

In the XXXX County Court

Claimant -v- (YOUR NAME)

Claim Number: (CLAIM NUMBER)

 

 

Dear XXX

 

REQUEST FOR INFORMATION

 

I have received a recent court claim from your organisation. In order to file a defence and counter claim I require some information. Given that this matter is now the subject of legal proceedings, you are obliged to disclose under the Civil Procedure Rules, the information and documents detailed below.

 

The information must be furnished within fourteen days of the receipt of this letter. If you fail to comply, this will be reported to the Court, a copy of this letter will be provided as evidence to the same and an Order enforcing your compliance will be sought.

 

1. A true copy of the executed credit agreement and any terms and conditions that applied to the account at the time of default and at the time the account was opened.

2. All records you hold on me relevant to this case, including but not limited to:

 

a. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company, or by any previous creditor

b. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account formerly held with *********.(AMEND TO THE COMPANY NAME)

c. True copies of any notice of assignment and/or default notice or enforcement notice that you or the original creditor sent me, with a copy of any proof of postage that you hold.

d.Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable).

e. Details of any collection charge added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.

f. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

g. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

h. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

i. Copies of statements for the entire duration of the credit agreement.

 

3. Any other documents you seek to rely on in court.

 

 

I will require this information within the next fourteen days. I must advise you that if the information is not forthcoming, it will be reported to the Court that you are trying to frustrate proceedings and denying me the opportunity to file a defence and counter claim.

 

Yours sincerely,

 

XXXX (type, don't sign).

 

 

 

Amend to suit your circumstances

 

can you post up what their particulars of claim are? it would be helpful to know what wild claims they make without supporting documents

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Hi pudsters

 

You need to make the request in writing not over the phone - make the "request for a copy of the executed agreement for the acount under s78(1) of the Consumer Credit Act 1974". You will need to send the statutory fee of £1 (postal order not cheque - signature again :))

 

Print you name with the letter and sign over the top in a different colour - that way they can't scan it.

 

 

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Steve, as PT has put above, the CCA request would be covered by the part 18, no need for the £1 or seperate request

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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Thought that might be the case mate!

 

:D

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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Thanks guys, will send that letter special delivery 2mrw, do i send that to link?

 

With the court, do i sent the acknowledgement straight away today as I believe this buys me some extra time?

 

Oh and do i send a copy of that letter to the court today? or wait until they don't respond?

 

Thanks

 

Pudst

x x x x

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oh and they have never sent me a letter before action or default notice etc...

 

Pudst

x x x

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Thanks guys, will send that letter special delivery 2mrw, do i send that to link?
Yes
With the court, do i sent the acknowledgement straight away today as I believe this buys me some extra time?
There is no advantage in waiting, you get 28 days once you have acknowledged
Oh and do i send a copy of that letter to the court today? or wait until they don't respond?
If youi mean the part 18 letter, you should copy it to the court.

oh and they have never sent me a letter before action or default notice etc...
That will be an important part of your defence - no lba = not following court procedures, no default = no right of action
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Excellent, i will fax over my acknowldgement of service now. I will also send a copy of the letter to link to the court today too.

 

Thanks so much for everyone's help.

 

That letter is brill thanks

 

Pudst

x x x x

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I am in the same situation with Link - they have issued four claims against us. All of the defences are now in, but we have not received any information from Link at all (under CPR)which I have used as part of our defence. On two of the accounts they have not provided a cca, but have tried to argue that it was sent,but our address is inaccessible (funny all their other letters get through ok) they also say they sent recorded deliveries , but we didn't bother to collect them. complete lies. We actually had a message placed through our letter box the other day, as Link had telephoned someone we don't know, and instructed this person to pass a message to us to urgently ring them. I have reported Link to trading stadnards for this. I phoned them and they wanted to discuss an account that so far they have been unable to provide a CCA for, although this one has undoubtedly gone astray as well. So be very careful in your dealings with Link, as they will try every underhanded trick in the book. good luck with your defence, Magda

Edited by MAGDA
typo
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Thanks Magda, they are very underhanded, they were asking for a signature sample. Which i said no way to.

 

I have sent the letter special delivery today to both the court and to link. Just gotta wait and see what happens now...

 

They are dealing with another alleged account of my husband's but because I have already questioned the legality of the account they seem to have left him alone.

 

Can't believe they have done this though, they are so incompetent!

 

Pudst

x x x x

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Righto, for information, the particulars of the claim are as follows

 

'The claimant claims the whole of the outstanding balance due and payable under an agreement and/or associated agreements made with the Defendant in writing and dated 08/06/2004 and assigned to the Claimant. The Defendant has failed to make payments as required by the agreement and to comply with a default notice or notices served by the Claimant and/or the Assignor.

 

and the Claimant claims:-

1. £3,526.73

2. Interest pursuant to Section 69 County Court Act (1984) at a rate if 8.000% per annum from 21/01/08 to 13/05/08 of £87.35 and thereafter at a daily rate of £0.770 to date of judgement or sooner payment.

 

Date: 14./05/08'

 

__________________________________________________

 

They are claiming that they took ownership of this on the 21/01/08 yet they didnt bother to contact me until 08/04/08... that was their 1st letter, surely this will also go against them as they are now 'trying' to claim interest for all the time from Jan.

 

Pudst

x x x x

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Several questions:

 

1. did they send a Letter Before Action? (actually I see the answer is in post #35)

2. did they send you a default notice ?

3. did they send you a notice of assignment?

4. did they attach the agreement referred to to the claim form

5. have they sent a statement of account showing how the £3526.73 is calculated?

 

 

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Several questions:

 

1. did they send a Letter Before Action? (actually I see the answer is in post #35) -

 

*NO LETTER BEFORE ACTION.

 

2. did they send you a default notice ?

 

*YES, I CHECKED THEY SENT ME A DEFAULT NOTICE 24/04/2008.

 

3. did they send you a notice of assignment?

 

*NO, BUT SENT ME A LETTER ON THE 08/04/2008 WHICH INTRODUCED ME TO LINK FINANCIAL.

 

4. did they attach the agreement referred to to the claim form.

 

*NO AGREEMENT, WHEN I QUERIED THIS THEY SAID THEY NEEDED PHOTO ID AND A SAMPLE OF MY SIGNATURE.

 

5. have they sent a statement of account showing how the £3526.73 is calculated?

 

*NO STATEMENT OF ACCOUNT/BREAKDOWN SENT AT ALL

 

 

**In short I haven't been sent very much, MBNA sent me a letter in Jan saying that they were passing it over to Link but because I hadn't heard anything at all I thought it may have been an error or the account had been rejected.

 

I have a file full of correspondance to MBNA. Cannot believe they have passed it when it is in default and dispute.

 

Pudst.

x x x x

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Not attaching the agreement to the claim form is in contravention of Practice Direction 16 (7.3) of the Civil Procedure Rules

7.3 Where a claim is based upon a written agreement:

(1) a copy of the contract or documents constituting the agreement should be attached to or served with the particulars of claim and the original(s) should be available at the hearing

The fact that they haven't included any statement of account means that the claim is not adequately particularised and te two together maens the POC discloses no legal cause of action. The fact that you haven't been sent a Notice of Assigment means that, as far as you are aware, Link Financial have no legal right of action.

 

 

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That's fab, i knew they were pulling a fast one.

 

What can I do about that? Do I tell the court or do i just save it for my defence?

 

Thanks so much for all your help

 

Pudst

x x x x

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16th June my defence has to be in for... never written one before though.

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What type of statement of account should they include?

 

Pudst

x x x

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If they say you owe £x.xx they need to provide sufficient evidence that you do indeed owe that much (and exactly that much)

 

If there are unlawful penalties then you can dispute the amount and also insist they reveal their costs in order to demonstrate that they are not unlawful. That usually sees them off because there is no way they will do that.

 

 

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Arr right, thats brill, i get what you mean.

 

I sent those letters today special delivery

 

Just going to wait and see what they get back to me with, if anything

 

Pudst

x x x x

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MBNA sent me a letter in Jan saying that they were passing it over to Link

 

Did that letter say to "Link Financial Limited" or did it say "Link Financial-Lin" like mine did?

 

No idea if this has any significance - maybe somebody can advise?

Halifax (current accounts, credit card, old mortgage, secured loan)

thread here

 

MBNA (three credit cards)

thread here

firstdirect (a current account, two mortgage accounts, old loans, old credit card)

they've sold my current account. thread here.

 

Royal Mail

Claim issued by former employer Royal Mail, thread here.

I counterclaimed and won. They paid in full.

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