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    • 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...
    • 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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Post Office Car insurance cancellation rip-off


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Hello,

 

Brothers car insurance with the PO tried to cancel it today as he has bought cover elsewhere. It started March 24th 2006 - March 23rd 2007, to cancel it costs £35 admin fee with cancellation rate of £90.67 comes to £125.67 my £4.77 refund works out I owe them £30??

 

Is this right?

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Probably yes, the policy is over 8 months old so although its pro rata refund. Its the same with most insurers.

 

Why did he take a new policy when he was already covered?

In Insurance, thinking "It wont happen to me" could mean you dont have the cover you want at a time when you want it! - Dont always reject a Courtesy Car or Legal because you find the cost too much! Whats more valuable? YOU or the Policy Premium?

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Please add to my reputation if my reply was informative to you. (click the scales);) Replies offered by me are not linked to anyone, and is from my own personal experience.:grin:

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Started reading through the T&Cs and not much covering cancellation. Nothing about admin fees or short term rates etc?

 

Gonna call them and moan! lol

 

Cancelling this insurance

 

You may cancel your policy with immediate effect by notifying us by phone or by post. Our contact details can be found on the reverse of your certificate. Premiums c\an only be refunded if no incident has occurred which has led to a claim or may yet lead to a claim against this policy. If you return the certificate of Motor insurance within the first 14 days of receipt of your policy documentation we will refund that part of the premium which relates to the period remaining after we receive the certificate. After that time the following rules apply:

If you cancel within 12 months of the policy start date we will calculate the premium for the period of cover based on our short period rates in force at the time. In the second and subsequent years the premium will be calculated in proportion to the period of cover. When we receive your certificate(s) of motor insurance we will refund any remaining surplus premium you have paid.

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oops should have transfered his cover to the new vehicle,:confused: may as well let the policy run to build the ncb,may work out that the discount makes up the difference on the refund.there is nothing to say that he cannot still insure the car even if he no longer owns it:)

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there is nothing to say that he cannot still insure the car even if he no longer owns it:)

 

He is not insuring the car; he is insuring himself to drive it.

 

It is a subtle difference, but in UK we insure the driver, not the car. The car is merely a factor of risk.

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mmmm can,t see your point there, as i wouldn,t take out a policy and pay for insurance if i wasn,t gonna drive:| ,what i mean is that by changing his policy with the p,o say to third party only he may then get money back on the policy thus not having to pay a cancellation fee:)

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He prolly is still in his cooling off period but he wants to add his girlfriend to the policy and it is a different car ( I now understand you insure the driver not the car but for different cars it is different prices.

 

PO was more expensive.... he got qoutes of about £800 the new policy was £400 so quite a difference. Perhaps I could try changing the policy to third party...

 

Oh also he has been told he needs proof of no claims and something about you can't have a policy in place whilst you tell the other insurance you have had so many years of ncb as it is still in place..??? ~Is this making any sense - if not I'm not suprised! it took me a while to get my head around it!

 

Thanks

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Unfortunately the cancellation fee is lawful, as there is work involved in cancelling an insurance policy (this is after all a legal document). The motor insurance bureau needs to be contacted (police have access to this to check that cars are insured) and for FSA compliance this needs to be done within 14 days, so unfortunately the cancellation fee is justified.

 

Don't know if you have a cooling off period with the other policy. The cooling off period is limited up until the new policy starts, after that the cooling off period is void, and a cancellation charge can be imposed.

 

For future reference you could have contacted the original insurer and asked to change the car over, they would have been able to do that for you.

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yes ,you can only use ncb on 1 policy,if you can change to third party only you need to tell them that you wish not to use your ncb and can they send you confirmation of proof of it.unless you weren,t with the p,o before this policy started you,ll need to contact the previous insurer

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