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    • Should this to be take into court with him or should he send something in earlier?
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    • 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.              
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Defaults - background, removal methods, challenges and taking a claim to Court


car2403
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Thanks

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I think you need a new thread, jermainedefoe;

 

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

This way we can keep an up to date thread on the advice you've been given - I have a feeling it's going to get legally technical, as citizenB is right.

 

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I think you need a new thread, jermainedefoe;

 

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

This way we can keep an up to date thread on the advice you've been given - I have a feeling it's going to get legally technical, as citizenB is right.

ok thats a good idea, but i accidently made two identical ones, here is the one i suggest using

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/149119-where-do-i-stand.html#post1579609

 

ive requested the other to be delted :D

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  • 1 month later...

What would be the maximum damages you could claim through small claims court for defaults registered unlawfully against your CR file?

 

I seem to recall somewhere that 1000 per default would be the standard?

 

Looks good, as I have 24 repetative defaults with Mint, and 30 with Halifax. They've defaulted me on a monthly basis!???

 

Please let me know, as I'm prepared to go to court quite quickly over this, but would prefer SCC as opposed to High Court :)

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Hello darftblerk,

 

Richard Durkin vs HFC ........ sued for damages caused by an incorrect default and the amount awarded was £116000 in total

 

Plus you may have read it in Consumer Credit Act Agreements - post 11999 as follows by tifo ....

Quote:

Originally Posted by patrickq1 viewpost.gif

they cannot default the same debt twice but a warning they do i have four defaults for the same debt

 

They make mistakes sometimes, due to 'computer error'. If the debt has been sold, the DCA will need to change the default in their own name. A new notice is not required, as the same default from the previous notice remains, only the creditor name is changed. If you want to argue on the default notice itself, that is a different thing.

 

Therefore, the bank should not have a default for the same account in its name, as it's changed to the DCA, but sometimes errors occur and they keep processing as well as the DCA. Sometimes, even the debt administrator (as opposed to the debt purchaser) may process a default, by mistake.

 

Any other default other than the one from the DCA is unlawful, therefore you would be entitled to compensation under s.13 Data Protection Act 1998. If you play it right and it is the DCA's fault and they have bought the account, they may close the account in exchange of the compensation. I've done this last year for a few £200 defaults and got £1000 written off instead of compensation. Use case law "Kpohraror vs Woolwich 1996" which set £1000 + value of default as due compensation, or at least £1000.

 

Or, you can take it to the FOS, which is an easier option, and you will get around £200-£300 compensation per extra default. But this may take some months, as will you chasing the DCA yourself.

 

 

Onwards and Upwards

 

Chalkitup

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  • 1 month later...

Has anybody yet decided what the court fee would be for the above claim?

 

I wish to have the default removed, and suggest that compensation be awarded, however compensation is decided by the court, so I can't fill in that I want £1000 in compensation and then let that affect the court fee?

 

Suggestions please, I'm about to go through with the above action against Halifax for defaults on my account, and would love to provide feedback on how I get on.

 

Darftblerk

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Could you put some figures in for actual costs, even if it's only postage and stationery, and then 'damages at the discretion of the court'. The court may charge the issue fee based on the actual costs claimed, or they may just charge the maximum. I think the only way to find out is to go to the court, or give them a ring and ask.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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The costs of the claim wouldn't be included in the Court fee - the fee is calculated depending on which CPR Part the claim is brought under; if you want default removal, classed as specific performance, it's under Part 8, in which case it's £150 as a "non-monetary claim" or, if you are claiming damages, it's under Part 7, which depends on the amount of damages you're claiming.

 

A claim of £1000 in damages would attact a £75 Court issue fee.

 

Don't forget those all important Allocation fees, also.

  • Haha 1

 

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The costs of the claim wouldn't be included in the Court fee - the fee is calculated depending on which CPR Part the claim is brought under; if you want default removal, classed as specific performance, it's under Part 8, in which case it's £150 as a "non-monetary claim" or, if you are claiming damages, it's under Part 7, which depends on the amount of damages you're claiming.

 

A claim of £1000 in damages would attact a £75 Court issue fee.

 

Don't forget those all important Allocation fees, also.

 

Hello Car,

 

Fantastic thread, so informative:D glad I came accross it. I am just about to start on defaults. I have now written to the cra asking them to put ????? on their entries that I am having legal disputes with.

 

I will start my own thread and hopefully you will pop in with advice:D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Fantastic thread, could really do with some advise on the below:

 

Next - cca request sent, they eventually sent a blank cca and state this is all they require to do by law. What do I do next?

 

RBS - never replied to cca request (banked the £1) its been over 2 months now and I have heard nothing, where can I now take this?

 

Both are registered defaults that are causing me alot of problems in not being able to move from Northern Rocks variable rate, it's crippling us and really scared it could result in losing our home.

 

Can Somebody please help and what I can do next??

 

Julie

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Next - cca request sent, they eventually sent a blank cca and state this is all they require to do by law. What do I do next?

 

Send them something along these lines;

 

Dear Sirs,

 

Account Number: XXX

 

Re; your recent reply to my request under section 77-79 of the Consumer Credit Act 1974

 

I note that you have replied to the above by sending a copy of an application form and your companies current Terms and conditions I must inform you that this is not sufficient to comply with the request and that your company is still in default under the act.

 

To clarify, just sending the Terms and Conditions is a breach of the Act and Regulations as, apart from the information that the Regulations provide that you may exclude, the copy must be a “true copy” of the agreement.

 

This breach of the agreement can be demonstrated as follows;

As you will know section 180(1) (b) authorises, “the omission from a copy of certain material from the original, or the inclusion of certain material in condensed form.” This refers to statutory instruments made under the heading Copies of document regulations and in this care in particular to SI 1983/1557.

 

Before leaving section 180 there are two other sections that should be remembered these are:

 

Section 2(2) (a) A duty imposed by any provision of this Act (except section 35) to supply a copy of any document is not satisfied unless the copy supplied is in the prescribed form and conforms to the prescribed requirements;

 

And more importantly

 

Section 2(b) A duty imposed by any provision of this Act (except section 35) to supply a copy of any document is not infringed by the omission of any material, or its inclusion in condensed form, if that is authorised by regulations.

 

You will see that this quite clearly states that whilst certain items may be left out of the copy document the rest of the document must be in the form and contain all items as prescribed by the regulations.

 

Turning to the regulations regarding what may be omitted from these copies these are contained with SI 1983/1557.

 

The regulations state:

(2) There may be omitted from any such copy-

(a) any information included in an executed agreement, security instrument or other document relating to the debtor, hirer or surety or included for the use of the creditor or owner only which is not required to be included therein by the Act or any Regulations thereunder as to the form and content of the document of which it is a copy;

(b) any signature box, signature or date of signature (other than, in the case of a copy of a cancelable executed agreement delivered to the debtor under section 63(1) of the Act, the date of signature by the debtor of an agreement to which section 68(b) of the Act applies);

 

It is quite clear what can be omitted from the copy document, this again asserts that all other details of the agreement should presented in form and content as required by the regulations.

 

The requirements of the Agreement regulations 1983/1553 are very explicit in describing the form and content of an agreement and this as I have demonstrated also applies to the copy of any such agreement with the above mentioned proviso.

 

Nowhere within these regulations does it state that part of the agreement can be presented on a separate document headed terms and conditions.

It does state that all terms and conditions should be within the agreement document and is explicit of the form in which it is presented.

 

I hope this explains why your reply was unacceptable I await a True copy of my agreement and would remind you again that whilst the request has not been complied with the default continues

 

Yours faithfully

 

 

RBS - never replied to cca request (banked the £1) its been over 2 months now and I have heard nothing, where can I now take this?

 

That's a tough one. Most RBS agreements are unenforceable;

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/110150-car2403-rbs-plc-default.html

 

There are others successes around the forums.

 

Up to you really - you could complain to the Financial Ombudsman, the ICO or you could take Court action against them yourself.

 

Before you do anything, I'd suggest you start your own thread (if you haven't already) and get some specific advice on your own case, as each case comes with it's own merits and pitfalls;

 

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

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Many thanks car - just put in my bits on the next letter and when I finish work will send special delivery. Really appreciate the advise.

 

Still really unsure what to do with the RBS - probably sound really thick but I just want to get it right.

 

Julie

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  • 3 months later...

HELP PLEASE !!!!

 

I had an incorrect entry showing on my credit report. There is an outstanding amount for £2275 this was settled in 2004. [/font]

First National Tricity did not update my credit report to this effect..

 

Instead they registered this on my credit file as a default. The account was registered as defaulted with outstanding balance of £2275. This have a exteme negative impact on my credit rating frm 2004 till 2008.

 

See below for entry

 

First National Tricity Finance Loan [/font]

60 @ £ 105 (Monthly) £ 0 £ 2,275

Current Balance £ 2,275

Status DEFAULTED

Default Date 16.06.2004

 

Default / Delinquent Balance £2275

 

Consequences of this since 2004 I have been unable to obtain credit.

 

I wrote to 1st nat and adv told them I wanted this removed and was seeking compensation in Jan 2008. They immediatly repled in the letter they

 

 

admitted their mistake

 

updated all my credit files

 

apologised

 

declined compensation

 

 

After approx 10 months of argfuing with them they offered me £50

 

I have spent more on phone calls postage req credit files and stationary. I declined.

 

I have reported this to FOS citizens advice buero etc they have advised me to take legal again I NEED HELP PLEASE.

 

From the Information Commissioners Office website I am going to claim for distress damages section 13 Data Protection Act act.

I need help with my claim please help!!!

 

stage 1

 

particulars of claim where to start any ideas please?

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  • 3 months later...

subb

Check out the threads below for updates on the DCA's that I am dealing with.

 

GE Money/CL Finance/Howard Cohen & Co - AND - Aktiv Kapital/Appleton Massey Solicitors - IN COURT

Cabot x 2 for Vanquis & Hitatchi - DEFAULTED ON CCA REQUEST

Lowell for Capital One - CANCELLED DEBT!! Trying to get Default removed now

Moorcroft x 2 for Halifax Loan & Bank Account - RETURNED TO HALIFAX

Wescot for Halifax Bank Account - RETURNED TO HALIFAX

Cap Quest for Argos Card - RETURNED TO ARGOS

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if you have missed 3 x payments due to failure to produce cca and this reflects on your file, i have placed a notice of correction and did go through process of placing account in official dispute if you may a token payment on a payment plan will this save your credit rating? or will they still go ahead and default the account or show the account agreement has ended? if so there is no point in doing it until they show their cards at court

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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Chris

 

Great thread, very helpful.

I've got a run-in with Experian and Cabot at the moment over defaults.

 

The advice I need here is this.

Having requested from Experian a list of my alleged defaults and their start and entry-removal dates, Hancock at Experian came back with a list which included an entry which said that one default marked "Cabot Credit Card" was dated 1/1/2008 and end-dated 2/1/2014.

Fact 1. Cabot is not a credit card company, it is a DCA.

Fact 2. The start date, if anything, relates to the date Cabot took the alleged debt over, so all Experian have done is added 6 years to that date, prolonging the alleged default.

(There are other inaccuracies on other accounts, but I'll deal with those on separate threads)

 

Any suggestions for a response?

 

Kind and grateful regards,

Mihail

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I think a lot of these problems arise because Experian ISNT impartial, as it should be and again backs up my argument that ONLY THE ORIGINAL CREDITOR should have access to your credit file to put 'markers' or change dates... anyone else agree?

 

That would stop the DCAs 'trashing our files' because THEY CAN. It would also cut an income stream from Experian.

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  • 1 month later...

First off, thanks for the thread, it is going to help me clean up my credit file.

 

The following suggestion may seem a little simple, and please correct me if I am wrong, but wouldn't an approach for removal of credit entries be more successful just using the Data Protection Act? Here's my thinking:

 

In order to process your personal data, the person/bank/institution needs your written consent to do that. This is normally contained within the credit agreement that you sign with the bank/lender giving them permission to process the data. If the bank cannot produce the CCA, they therefore cannot provide proof that you gave them permission to process your data.

 

If they cannot provide proof, surely it follows that in terms of the Data Protection Act, they are acting illegally. This would (possibly) simply things when it comes to the Information Commissioner.

 

Would an approach of sending a letter to your creditor telling them that you notice they are processing your data and on what grounds they are doing this processing? They would probably reply that they are processing data under the signed consent that you gave them when you signed the (non-existant) credit agreement. You would then ask them for proof of this permission, which won't be forthcoming. You then have grounds to complain to the Information Office without clouding the issue with the CCA.

 

Secondly, if you do a SAR and there is no consent to process data contained within their response (ie no CCA) then they could be breaching the permission aspect of the Data Protection Act.

 

Am I over simplifying this? Thoughts please.

Please note that I am not a solicitor or legally trained. The advice I give is from my own personal experience based on my own personal circumstance. If you choose to follow any advice I may give, please make sure you understand the implications of following that advice. :-)

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