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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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    • 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.

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      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.

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UK car insurance co + no claims bonus EU


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Ive earned No-Claim Discount in Spain the last few years and have now returned to the UK expecting to pay a reduced premium for my car insurance using the spanish no claim bonus. However, so far several UK car insurance companies refuse to accept the spanish NCD.

 

I would like to know if i can challenge them under EU law as UK car insurance companies NCD's have always been acceptable in Spain so why not vice versa.

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I doubt you have a case

There's no legality in a NCD, it's a discount offered by the individual supplier and nothing else. If they don't want to iffer the discount, they don't have to. The situation could change if you could prove an insurer was taking someone on with a EU NCD and not you, that would be discrimination.

This is of course only my opinion.

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  • 2 weeks later...

My understanding of discrimination in the EU coomon market is:

if a driver has 3 years NCB from UK

and another have 3 Years NCB in Germany

 

if insurer give discount to one driver but do not discount the other -- this is discrimination -- the insurance companies activates in a common market and therefore it should be equivalent.

 

At the moment I have a similar issue with some UK insurers: I have an EU driving licence, and eventhough there are no valid reasons some insurars do not provide me with a quote (as I do not have an UK driving licence).

 

Anyway, I am reaserching right not, and as far as I could get, for my case is that they are faulting EU laws, by indirect discrimination (I sought legal advice from EU commions on this issue)

 

you can contact the EU commision to ask for your own case, but in my opinion if they fail to aknologe your NCB they are discriminating

 

hope this helps

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  • 3 months later...

I am in the same situation as you with a UK insurer, they say they can't accept my No Claim Bonus from an Italian insurer. Therefore they want to charge me double the amount. This really sounds like discrimination against Eu regulations.

Have you got anywhere with your inquiries with the European commission? Does anyone else have any advice in regards to this? Thanks

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Direct Line, Churchill and the other RBS Insurance brands accept European NCD provided it is in English showing the number of years entitlement.

 

To my knowledge most Insurers do, provided they can see what your entitlement was.

We could do with some help from you.

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thank you very much. I hope I can sort it out. Will keep you posted ;)

 

Did you get anywhere?

 

We have just returned for Germany. Neither Churchill nor Morethan will accept the standard european letter which has each sentence in French, German, English and Spanish. We are getting very frustrated - German insurers accepted the english letter from Churchill 13 years ago. If this doesn't work what on earth is EU about??

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Provided the standard European letter contains the necessary information, there is no reason why it would not be accepted.

 

Suggest that you go back to clarify why it has been rejected.

We could do with some help from you.

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Provided the standard European letter contains the necessary information, there is no reason why it would not be accepted.

 

Suggest that you go back to clarify why it has been rejected.

 

thanks for this. We have asked them - they want a letter that is ONLY in english, and not one line by line. Asking for clarification from either Churchill or Morethan is fruitless. We have not been able to access the individual who agreed the NC letter was ok. We have been unable to reach anyone in authority. We have now gone to a broker, and asked to try a more european orientated company such as Zurich.

 

As someone who is not overly enthusiastic about europe, having lived in Germany for 13 years, and now returning, it seems the whole idea of a single market is a complete fallicy (Pensions, bank transfers, "imports" are just a few examples).

 

Back to the car. We will try through the broker and let you know what happens. The german insurers (BBV) insist the letter is standard and "must" (German thinking) be accepted here. Would be interesting to see a UK insurer producing a NC letter in German, French or Spanish....

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The letter is standard and the Insurers probably receive them most days. I suspect that they had the office newbie or someone half asleep to check the letter and they rejected it.

 

The staff the check the no claims proof are not those that you speak to on the phone. You need to make a complaint with a team leader or customer relations. Ask them to dig out the letter you sent them to check that it contains the information they need in English. If it does, then I suspect that all will be ok.

 

Under FSA rules, in Insurance offices, staff are managed by a team leader, who normally supervises a team of up to 12 full time equivalent people. They have to have a supervisor or manager available at all times, partly for compliance reasons, but also for health and safety reasons. So there should always be a team leader or manager to speak to.

We could do with some help from you.

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 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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thanks for that, its useful information. We will perservere, but do seem to be up against a brick wall of beauocracy - much more so than we ever came across in 13 years in Germany !

 

 

The letter is standard and the Insurers probably receive them most days. I suspect that they had the office newbie or someone half asleep to check the letter and they rejected it.

 

The staff the check the no claims proof are not those that you speak to on the phone. You need to make a complaint with a team leader or customer relations. Ask them to dig out the letter you sent them to check that it contains the information they need in English. If it does, then I suspect that all will be ok.

 

Under FSA rules, in Insurance offices, staff are managed by a team leader, who normally supervises a team of up to 12 full time equivalent people. They have to have a supervisor or manager available at all times, partly for compliance reasons, but also for health and safety reasons. So there should always be a team leader or manager to speak to.

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The UK Insurance industry has gone down hill in the last 10 years or so. I would say that most provide a pretty poor service. This is partly why we have seen high street brokers increase their sales in recent years. People get fed up of dealing with call centres !!! Some of the companies have even outsourced or off-shored some of the work. I think some of the admin work for some companies is sent to India.

We could do with some help from you.

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 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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  • 1 year later...

Hi,

 

I'm interested in this, too. I'm Italian and I'm gonna ask my insurance to provide me with the NCD in English (hope they will).

 

I want to buy and insure a motorcycle, but no company seems to accept my 8 year full Italian license and NCD to make me pay "human reasonable" prices. A company asked me £1200, two refused to insure me.

 

If the thing went any further in your experience, can you suggest me any company?

 

Thanks.

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Are you applying with an Italian EEC driving licence? If so try running a quote through with a recently received UK motorcycle licence as it might be cheaper if so go through the process of obtaining a UK licence

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Are you applying with an Italian EEC driving licence? If so try running a quote through with a recently received UK motorcycle licence as it might be cheaper if so go through the process of obtaining a UK licence

 

I tried all the chances, from new UK licence no NCD to long experienced EU licence with NCD, the prices seems to vary just from 120 to 500 on MCN, and it's quiet fine, but it doesn't always work on the companies' website. I was asking for a suggestion of a company to try as well. If anyone knows.

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Having tried this the opposite way round, the NCD is a ''discreationary benefit'' not and obligatory one!!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 3 weeks later...
Hi,

 

I'm interested in this, too. I'm Italian and I'm gonna ask my insurance to provide me with the NCD in English (hope they will).

 

I want to buy and insure a motorcycle, but no company seems to accept my 8 year full Italian license and NCD to make me pay "human reasonable" prices. A company asked me £1200, two refused to insure me.

 

If the thing went any further in your experience, can you suggest me any company?

 

Thanks.

 

MCE, they recognised my Irish NCB & Irish licence.

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MCE, they recognised my Irish NCB & Irish licence.

 

Thanks, I'll try with them, but it's probably harder for me because the NCB will be in another language and it's not called even NCB!

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If it's in another language you have virtually nil chance of an Insurer accepting it.

 

The only chance I can think of is if you find a broker sited in an area with a large percentage of that countries nationals living there who might be able to persuade an Insurer

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Actually as it's Spainish bonus, try a broker in Spain such as Neil Rowley who specialise in Ex Pats, they may have a connection with a UK broker they can recommend for you

 

Actually, I was going to ask to my insurance company in Italy to provide me with an English version or, at least, sign one translated by me... Hope it will be enough for the UK insurer....

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