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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?    
    • 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.              
    • 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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Roebuck vs. The One Account


AlexR
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Hi, my name is Alex Roebuck, and I thought I would report my progress so far. My bank is The (Virgin) One Account, which is run by The Royal Bank of Scotland; I hope this is the right forum for this post.

 

16th October 2006 - Subject Access Request sent.

 

I received paper copies of all my statements from 1999 until today within a week. There was no indication or confirmation regarding manual intervention.

 

I have since discovered that the online banking service allows me to create a statement going back to 1999, which has made identifying the charges and calculating interest much easier!

 

4th December 2006 - Preliminary Approach Letter sent

 

I calculated that The One Account had charged me £594.00 in charges plus £50.89 in interest. Total £644.89. I calculated the interest for each charge on a daily basis from the date of the charge until now using the variable interest rate indicated in my statements.

 

6th December 2006 - Response to Prelim Approach received

 

I received the following standard letter:

 

I refer to your concern regarding the charges applied to your account. To progress the resolution of your concern I thought I would write to you.

 

Initially, let me thank you for bringing this to my attention, as it is important that we are made aware of any instance where our customers feel that we have fallen below the standards expected of us.

 

I appeciate your patience while I have been dealing with your concern. As part of the Concerns team I have now fully investigated the issues you have raised and would like to resolve your concern with you. To help make you aware of all the options available to you I have also enclosed a copy of the leaflet entitled Customer Complaints which explains how we handle customers concerns within The Virgin One account.

 

I apologise for any dissatisfaction caused by the application of charges to your account. We believe that our charges are fair and reasonable*. We consider that the amounts debited to your account have been applied strictly in accordance with your agreement with us and our published tariff, which we are satisfied, complies with all applicable laws and regulations. We are also committed to ensuring the transparency of the information that we give to our customers about the operation of our products.

 

Consequently, against that background, we must differ with the views expressed in your letter and are unable to refund any of the charges applied to your bank account.*

 

This letter concludes the Bank's complaint investigation process and therefore, we will not re-investigate the issues you have raised.* Should you remain dissatisfied, you have the ultimate availability of the Financial Ombudsman Service. I have enclosed their leaflet for your information.

 

I understand this response may not meet with your expectations, but I do hope that I have provided a clear explanation as to how and why this decision has been made.

 

Yours sincerely, etc.

 

* my emphasis

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Given that they state that this "concludes the Bank's investigation process", should I proceed immediately with the Letter Before Action (LBA), or should I still wait until the end of the 14 day deadline?

 

Is there anything in their reply which means I shouldn't proceed with the LBA?

 

The LBA states "...you have failed to respond to my letter...". As they HAVE responded, how should I proceed? Should I amend the letter?

 

They suggest complaining to the Financial Ombudsman Service, which does not seem to be mentioned in these forums. Why not? Is it a waste of time?

 

Thanks in advance for your advice!

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In the absence of anyone telling you better, I would delete the reference to 'non-response', in fact make sure you thank them for responding!

 

The fact that they say THEY won't be investigating it further is irrelevant.

 

Other than that statement it seems to be a stock reply that all the banks are giving (maybe they have their own website? Banks Against C.A.G., Forum, Stock replies to PRELIM and LBA :D )

 

Go with your LBA.

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  • 3 weeks later...

OK, the 14-day dealine is up and I have received no reply. My only concern before I start action is that I did not send the LBA by recorded delivery. Is that a requirement before action? Will I have to prove that Virgin received it?

 

Thanks!

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I would give the bank a quick call as 'a courtesy before commencing action now that deadline has expired.'

 

Ask them if they received your last letter and what was being done about it....if they say they didn't get it then I think you may have to send them another, but ask for an emal and do it that way, give them 7 days this time, perhaps.

 

On the recorded delivery issue...I have noticed comments in several threads that it is not worth the effort as posties often don't bother to collect a sig off large companies....

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I have a question regarding the MCOL claim:

 

The sample text states: "Defendant is aware of all details as a list of charges has already been supplied. Another copy will be sent."

 

Should this copy include the S69 (8% interest) breakdown as well, as I have not sent this to the One Account yet, just included the total in the MCOL claim.

 

Is there a sample covering letter for this? Should I mention that I have submitted a claim against them?

 

Thanks!

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  • 2 weeks later...

My claim was "deemed served" on 9th January 2007.

 

The One Account have ticked the box "We intend to defend all the claim".

 

What happens next? I assume this won't actually go to court.

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  • 2 years later...

Since my 2 successful claims in 2006/2007, I have incurred quite a few more charges on my One Account. They are still charging £29 per unpaid item :mad: . What is the current status? Can I go through the claim process again?

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