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    • Should this to be take into court with him or should he send something in earlier?
    • 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?    
    • These are the photos of the signs. At the entrance there is a 7h free sign. On some bays there is a permit sign.  Also their official website is misleading as it implies all parking is free.  I can't be certain of the exact parking bay I was in that day, and there was no PCN ticket on my car and no other evidence was provided.  parking sign 2.pdf
    • 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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      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Halifax Mortgage Repayments Insurance


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Hi Everyone,

 

I'm quite new here and finding it difficult to find my way around. I took out Halifax Mortgage Repayments Insurance 10 years ago when I bought my house. Reading the Conditions booklet it seems I that if I am unable to work through accident, sickness or disability for at least 30 days I can make a claim on this policy and they will pay a sum equal to my mortgage payment + 25% provided this is supported by a doctors note. I have recently been diagnosed with breast cancer and will be off work for at least 12 weeks, probably more. I have asked them to send me a claim form and am hoping that they will allow the claim. I live alone and don't have any support really so I am going to need extra cash for hospital appointments and household help. To have my mortgage paid would relieve some of the stress and worry about financial issues. Having read some of the posts on Critical Illness cover and the way that Insurance Co's try their best to wriggle out of paying up I am seriously worried. I know this isn't a critical illness policy but perhaps it is the same procedure when you make a claim. I don't remember being asked about illness when I took it out and I don't think they contacted my GP for medical records. If I was asked about illness I probably said no because I would have assumed they meant big things like heart disease, diabetes, cancer etc. I have noticed that claims have been refused because of things like viral illness and I am sure that I will have had something like that (most people do!). The last thing I need right now is a battle with the Halifax; I have enough fighting to do to regain my health. Perhaps I shouldn't bother to fill in the claim form? Or if I decide to do so does anyone have any practical tips to help me? Maybe someone has this same insurance and can give me their experience of making a claim. Thanks in advance for your help.

Suzie

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Hi Suzie. I'm very sorry you're having a tough time.

 

I claimed on a similar policy a while back for mental ill-health [and was paid out]. In my humble opinion, the first thing is to read the policy document thoroughly if you're up to it. Otherwise you could post it here, scanned or typed by you.

 

You're right, it's not a critical illness policy and your problem is exactly the sort of thing I'd expect you to be covered for. Can you tell us any more please?

 

HB x

Illegitimi non carborundum

 

 

 

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Hi HB

 

The certificate of insurance says nothing at all about pre existing medical conditions nor does the booklet. I wondered if there might be a schedule but the cert and booklet is the only paperwork I have relating to the policy. I have searched high and low but have nothing else at all. Hopefully this is a good thing rather than a bad?

 

Suzie

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Suzie

 

I take it you have a good relationship with your GP.

 

I would have a confidential word with your doctor about this and stress the fact you are worried about it.

 

As you have checked the policy, you don't have anything to worry about.

 

You don't need the worry about that when the priority is your health and focusing on that and your return to fighting fitness.

 

Very best of luck to you. Please keep us up to date.

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I got myself worried when I read other posts about claims not being paid out because people failed to declare minor health conditions. I went to the doctor with suspected asthma for which I was given an inhaler (but have had no recurrence since so don't really think it was asthma) and I'm sure I also discussed anxiety/depression with him during my divorce but I don't remember being given any medication. Would these things cause them to disallow my claim if it turns out that they were before 2000? My GP is a bit of a control freak and not very approachable so I don't suppose he would help me in any way with my records if that's what you're meaning Kenny. I guess I'm just going to have to fill in the form and then just wait and see what happens. If they say no, then I'll just have to accept that. I haven't any fight left in me. Thanks for your good wishes HB & Kenny.

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Hello again. A pre-existing condition means one you had before you took out the policy as far as I'm aware and what you've mentioned certainly isn't related to breast cancer. Have you checked out the Halifax website if your documentation doesn't help? I understand that you would like to be forearmed on this.

 

You might consider a phone call to the FSA/fos because they might be able to advise you at this stage. I know some of the insurance gurus here advise that when it gets a bit sticky.

 

Kenny is right, you shouldn't be worrying at this stage and we're here to back you up whenever you need it.

 

HB x

Illegitimi non carborundum

 

 

 

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