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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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Hi everyone

 

Just wondering if anyone could advise me. We bought home insurance from Norwich Union in 2005 and this was renewed automatically (at a ridiculously high rate) in 2006. I cancelled the policy by phone and by letter when moving house in August last year.

 

Since then Norwich Union have continued to collect premiums by direct debit (I know stupid stupid stupid for not checking my statements...) and when I realised this we telephoned and complained. They then cancelled the policy over the phone and 2 days later we received a bill for £41.18 for making a mid term cancellation. I wrote to them twice to say they could deduct the mid term payment from the £400 odd they owe us in incorrectly collected payments however no reply but instead a Notice of Debt Collection for the £41.18.

 

We obviously paid this and finally recieved a reply from Norwich Union saying they want proof of the sale of the property and confirming that a charge is incurred following mid term cancellation.

 

I have written another letter (but not sent it yet) saying basically that I am very p*ssed off about the debt collection notice when they owe us so much money but was just wondering if anyone knows anymore about where we stand with this and what I should say next?

 

Thanks!

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If you had cancelled by phone then they would have stopped the direct debits automatically to avoid further debits coming out. You would have incurred a cancellation fee of £30.45 and a charge for time on risk upto the cancellation date anyway. This is all stated in your policy documentation.

 

The renewal would also have been sent to you 3 weeks before the due date, and it only renews automatically when paying by direct debit.

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?

------------------------------------------------------------------------------

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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Hi everyone

 

Just wondering if anyone could advise me. We bought home insurance from Norwich Union in 2005 and this was renewed automatically (at a ridiculously high rate) in 2006. I cancelled the policy by phone and by letter when moving house in August last year.

 

Since then Norwich Union have continued to collect premiums by direct debit (I know stupid stupid stupid for not checking my statements...) and when I realised this we telephoned and complained. They then cancelled the policy over the phone and 2 days later we received a bill for £41.18 for making a mid term cancellation. I wrote to them twice to say they could deduct the mid term payment from the £400 odd they owe us in incorrectly collected payments however no reply but instead a Notice of Debt Collection for the £41.18.

 

We obviously paid this and finally recieved a reply from Norwich Union saying they want proof of the sale of the property and confirming that a charge is incurred following mid term cancellation.

 

I have written another letter (but not sent it yet) saying basically that I am very p*ssed off about the debt collection notice when they owe us so much money but was just wondering if anyone knows anymore about where we stand with this and what I should say next?

 

Thanks!

 

Was the Policy with Norwich Union or Norwich Union Direct? If you have the number you called from originally to cancel, it should be relatively easy for them to listen to the call, even without that it should still be possible to trace back to who dealt with it at the time. I probably wouldnt go straight to the chief exec as more than likely could be dealt with at advisor level if you ask them to listen to the original call.

 

hope this helps

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Charlie,

 

Hi. I am the Head of Customer Experience for Norwich Union. I lead the Customer Relations complaints area. Let me get a look at your situation and see what we can do to help. I'm really sorry that you feel frustrated by us. Send me an email at : [email protected] and I'll get straight onto it after the bank holiday (tuesday).

Regards, Darren

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Thanks for all the replies everyone.

 

I understand that the policy renews automatically and I have to pay a mid term cancellation fee however I don't think I should have to pay this when I cancelled the policy 9 months ago and they have continued to collect the premiums. The first time I rang I asked them to find the call but they said that they couldn't as I don't know the exact time and date, I am not absolutely certain I sent the cancellation letter on the same day as I rang, it could have been a couple of days later. Strangely also last August I was told I couldn't cancel by phone which is why I had to send a letter. This time they cancelled the policy and passed the debt on to a debt collection place all within 3 weeks after just a phone call!

 

Think I will send the next letter (to customer relations this time as suggested) and also will email Darren Cornish, will let you know how I get on!

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Hmm consumer power right enough. Seems NU complaints people are reading threads about their company and offering help to show how genuine and caring they are... What a great company I think I'll buy my insurance from them ...... Yeah right.

 

Looks like you will get somewhere with NU but everyone else might be as well to remember there are thousands upon thousands out there who can't.

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Nelly,

 

Hi. Just wanted to say that anyone who has a problem with Norwich Union General Insurance can whizz across an email to either me or our main mailbox at : Existing customer by Norwich Union: Making a complaint

 

(we are improving this website page as it isn't as we would want it yet)

 

The way it works (for the benefit of customers and to tie in with FSA compliance) is that if you haven't already made a formal complaint to the standard office then my team passes your complaint back to them to give an initial decision. If any customer is then unhappy with that they can 'escalate' it to us. Again, if still not happy with our decision you can go to the totally independent Financial Ombudsman Service (FOS). The FOS will make a decision and we will support that decision. So, customers should be quite well protected.

 

We (Norwich Union) know we screw up sometimes (a bit too often for my liking). We are working really hard on improving but have some way to go. I and my team hate to feel that customers are getting a raw deal. To be fair we do have lots of really happy customers, and if something does go wrong we will do our best to listen, and if we can, act.

 

All the best.

 

Darren

Head of Customer Experience

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have to give you 10 out of 10 for effort Dazza C. And not on company time either by the looks of things...

 

Looks like your dedicated and I'm sure you'll do ok for anyone on here who complains. Also hope NU pay you a bit more than they paid me - and I do hope they don't outsource your department next ;)

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Nelly,

 

I am pretty embarrassed about putting my name down as 'DazzaC' - not greatly professional huh :-)

 

Thanks for your comments. Most complaints just need a bit of 'common' and the ability to have a decent conversation. Being a 'big corporate' we sometimes retreat behind our ivory towers.

 

Regards,

 

Darren (Delhi) - only kidding :-) and don't drag me into that debate - it's too complicated for this time of night :-)

 

Got to go, wife is getting a bit irritated......

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An update, as predicted looks like this will now be sorted!

 

Thought it was worth posting again though as it would be worth anyone having problems with the normal complaints route contacting Darren Cornish.

 

Got a phone call yesterday from someone in the CEOs office apologising for what has happened and saying they would refund the 7 payments of £23.48, the £41.18 paid to the debt collection agency and compensation of ~£45. More importantly they will hopefully find a way of preventing unpaid sums of money being passed to debt collection agencies when people have written querying them.

 

It's difficult not to be cynical about the difference in the way I have been treated since posting on here but hey if it makes my husband forgive me for the letter he recieved from Wescott debt collection since I started disputing this whole thing it will be well worth it!

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This is good to read as it shows that PEOPLE care about getting things right - as they should. Fair play to Darren for holding his hands up re Norwich Union and his connections.. don't know if this was on his own time but either way great to read. As for BUDGET we had some horrendous experiences with them and their premiums are frighteningly high when you shop around. Added to which I never checked their ownership links but I would not be surprised to find that HIGHWAY insurance is owned by them as well as well as sold by them. On a lighter note is there a good story out there about an insurance company that is fair reasonable and helpful - long term!!

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I have just been relaying all this to my partner who was sold insurance with Norwich Union by his bank (Nationwide) and it was honoured once so he took it again and waddya Know they turned him down and left him with a huge mess as a result. He had medical notes etc but still no good.. have taken the liberty of emailing our new found friend Darren directly and will update as to how this goes forward - or not!

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  • 8 months later...

I have had good experience with Norwich Union and bad with them. The very good was when I lost my two false front teeth. I claimed on my contents insurance and the payed out no problem.

 

I'm having problems with subsidece and that is a different story, but I'm not so sure that it is Norwich Union that is at fault or the so called "Project Managers". I'm still fighting to get the job done properly. I'm recruiting the help of Loss Assessors over this one.

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