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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?    
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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.              
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I've been stupid. Until now, I never knew what the words overdraft truly meant, I'm genuinely disabled btw.

 

The RBS have been charging me £28 + interest from about August last year and I need advice.

 

They said in my statements that I didn't need to pay money into my account and now I got told at the weekend that I have until friday to get it clear or they'll take action against me.

 

i owe them £252.31......I just transfered £260 online from my Clydesdale Bank on Saturday and the money was taken off my Clydesdale Bank account today, I emailed Clydesdale Bank to see how long it'd take on Sunday, to get a rough idea when it would clear and they said today that because yesterday was a bank holiday, it is due to enter my RBS account on Thursday.

 

I told the RBS this today over the phone and they said ok, and i told them i have solid proof that i have attempted to pay it off and from next month on i'm in a position to pay £100 a month into my account.

 

In case it's not and action is taken, what should I do? I don't want to worry ma parent they have enough on their plates without their thick daughter getting into trouble with the bank.

 

As a precaution, I have printed off my statement today and also proof that the funds cleared from my clydesdale account.

 

Do I have a right to ask for these charges back once they clear? I definately can't afford to pay it off tomorrow as I don't have enough money in my account to do that without overdrawing on that too.

 

I'm 24, never been in trouble with anyone

 

Help!

 

I'm such a worrier and I'm in tears with this, I know I'll never do it again! :(

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I've been stupid. Until now, I never knew what the words overdraft truly meant, I'm genuinely disabled btw.

 

The RBS have been charging me £28 + interest from about August last year and I need advice.

 

They said in my statements that I didn't need to pay money into my account and now I got told at the weekend that I have until friday to get it clear or they'll take action against me.

 

i owe them £252.31......I just transfered £260 online from my Clydesdale Bank on Saturday and the money was taken off my Clydesdale Bank account today, I emailed Clydesdale Bank to see how long it'd take on Sunday, to get a rough idea when it would clear and they said today that because yesterday was a bank holiday, it is due to enter my RBS account on Thursday.

 

I told the RBS this today over the phone and they said ok, and i told them i have solid proof that i have attempted to pay it off and from next month on i'm in a position to pay £100 a month into my account.

 

In case it's not and action is taken, what should I do? I don't want to worry ma parent they have enough on their plates without their thick daughter getting into trouble with the bank.

 

As a precaution, I have printed off my statement today and also proof that the funds cleared from my clydesdale account.

 

Do I have a right to ask for these charges back once they clear? I definately can't afford to pay it off tomorrow as I don't have enough money in my account to do that without overdrawing on that too.

 

I'm 24, never been in trouble with anyone

 

Help!

 

I'm such a worrier and I'm in tears with this, I know I'll never do it again! :(

 

 

Yes you have a right to claim all unauthoised overdraft fees fgoing back 6 years. Now get a tissue dry those eyes and have a thorough read up on the FAQs.

 

This makes my blood boil Grrrrrrrrrrrrrr.

 

Paul

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Yes you have a right to claim all unauthoised overdraft fees fgoing back 6 years. Now get a tissue dry those eyes and have a thorough read up on the FAQs.

 

This makes my blood boil Grrrrrrrrrrrrrr.

 

Paul

 

thanks for the reply. i have contacted the financial obsman by email and i am going to send their form 1st class recorded delivery and hand in a letter to the bank today. hopefully they will reply asap cos i didn't like the way i was fobbed of on the phone at their 0845 phone number.

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robbing swines!! I just found out that they have added in another £28 + £5.68 in Interest!

 

Looks like it was added on after I got off the phone to them yesterday as no-one said that it was added in :mad:

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Lonely, don't be so hard on yourself!

 

There are plenty of people in far worse financial states than you - it is very easy to do and is not a measure of how thick you are. I myself ended up with a £1500+ overdraft TWICE that I couldn't pay.

 

It sounds as though you have sorted things by paying the money into your account so fear not. Even if the money isn't in by Friday, I doubt very much that RBS would be so quick to react. I am confident that this letter is a demand which is intended to stir a response, but can't imagine that they would immediately do anything on Friday.

 

There is a simple Step by Step guide on the forums here....

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html

 

which should assist you in the process of claiming back any charges that they have added to your account. I have also produced a guide on working out RBS charges which you can find here...

 

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/42749-bit-help-you-rbos.html

 

You should be able to go through this process yourself using these guides.

 

 

Be aware, that at some point over the next few weeks, the RBS will charge you again because you are currently overdrawn. Ensure you have enough money in your account at that time so that it doesn't go overdrawn again otherwise you will be in a vicious circle of clearing your overdraft, charge sends you over overdraft, clear overdraft etc etc. You are well within your rights to ring the bank and ask what date the next charge is coming out so you know when to put the money in by.

 

If you have any questions, ask away. Plenty of helpful people around willing to help ;)

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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is this ok?

 

Dear Royal Bank of Scotland

 

My complaint about bank charges

 

I would like to register my complaint about the charges that have been applied to my account from August 2006 to 8th May 2007.

 

My name: [lonelygirl82]

 

My address and phone number:

 

My account number is and sort code is

 

You’ve been charging me unlawfully I believe since August 2006, and as of today, Wednesday 9th May, I owe you £282.31, it was £272.31 but I paid off £20 last week and I have attached proof that I am making an effort to pay it off. As you will see, my Clydesdale Bank statement clearly shows that between fund transfers and standing orders there was money taken off my account on the 26th April (£10), 1st May (£10) and finally the 8th May (£260 + £10), 9th May (£25.00), all of which are destined for my RBOS account.

 

I have attached copies of the Fund Transfer for £260 along with emails

that proved when the money was to be paid into my RBOS account.

 

When I opened this account, I never agreed to an overdraft and neither of

your staff discussed one with me when I opened this account with you.

 

As I stated over the phone on Saturday 5th May and then again on Tuesday 8th May, I’m now in a position to pay back in £100 month until the end of June and I'll do this via Standing Orders of £25 a week. From July, I’ll be paying back in around £200 a month.

 

What I would like you to do to settle my complaint is give me back my

money which I am more than entitled to ask for.

 

If you need more information from me, you can let me know when you contact me to confirm you have received my complaint.

 

I understand that under the FSA rules you should send me a final response within eight weeks of the date you first received my complaint.

 

Yours sincerely

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I can see what you are trying to do and I commend the letter but I am sure you will not get anywhere with this as they will simply tell you that their charges are acceptable and they will not refund you anything.

 

If you wish to confirm the money that is going in, then do that in the above letter, but as for claiming back charges, I don't think sending them a letter like the above will carry enough weight for it to be successful.

 

I would suggest you have a look at the guide I gave you a link to as this offers instructions on how to claim ALL your charges back and also provides template letters that you simply print off and send.

 

 

 

 

As for your overdraft.....If you are £281 overdrawn and are sending in £260 this week, that will leave you £21 overdrawn, so why do you need to send them £100 a month for the next two months? Are you expecting any more money coming out?

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Lonelygirl....they're getting the response from you they want....to intimidate and frighten you so they can make bigger profits.

 

In a school playground this would be seen as bullying!!!

 

Do as T4FF says and read through other members exploits and you will soon realise that you are not alone. There is a wealth of information on this site.......and help by the lorryload.

 

Good luck:wink:

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amended my letter

 

ROYAL BANK OF SCOTLAND PLC

36 ST ANDREW SQUARE

EDINBURGH

EH2 2YB

 

Dear Royal Bank of Scotland

 

CONFIRMATION OF PAYING BANK CHARGES I OWE YOU

 

I would like to confirm that I am paying back charges I owe you. My account number is xxxxxxxx and sort code is xxxxxxx.

 

I owe you £282.31 in interest and charges, it was £272.31 but I paid off £20 which made it £252.31 last week and I now see you added on another £28.00 charge + £5.68 interest yesterday!

 

I have attached proof that I am making an effort to pay it off. As you will see with the attached bank statements, my Clydesdale Bank statement clearly shows that fund transfers and standing orders there was money taken off my account on the 26th April (£10), 1st May (£10) and finally the 8th May (£260 + £10), 9th May (£25.00), all of which are destined for my RBOS account.

 

I have attached copies of the Fund Transfer for £260 along with emails exchanged between me and Clydesdale Bank that proved when the money was to be paid into my RBOS account.

 

I’m now in a position to pay back in £100 month until the end of June and will do this via Standing Orders of £25 a week. From July, I’ll be paying back in around £200 a month. These will be savings for the future.

 

I trust that this is the end of the matter and you will not take any further action against me.

 

 

Yours sincerely

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I think Can was referring to you saving money with them when they've been taking money off you!

 

 

Just to clear things up, the letter is great - send it off and you shouldn't hear any more from them.

 

Once your account is back above zero, you can start the process of getting your charges back.

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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i won't. i plan to contest it after it gets clear and then that way i know i'm ok!

 

surely they can't take action now they have written confirmation + bank statement to confirm i have paid it off

 

just now upto the RBOS to accept the money i guess!

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Everything will be fine don't worry.

 

There are a lot bigger fish for RBS to fry than you.

 

The letter is a bog-standard letter they send to promote a reaction - which they've got. Can't imagine you will hear any more from them.

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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lol, yup some "customer service" they have!

 

Letter was sent at 4pm 1st class recorded delivery so here's hoping that is the end of the matter and i can now look forward to focusing on getting my money back cos technically speaking they overdrew by their money and not mine but i still had to pay!

 

Weird!

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hi folks

 

just a wee quick update - £260 that I sent on the 5th is now clear today, as well as a Standing Order of £10 that came off on Tuesday the 8th. A £25 standing order that came off yesterday morning as well as an extra £15 that I sent last night is still to clear.

 

Not heard back from the bank regarding my letter but my status is now I "owe" them just £15.98!

 

You bet I'll be looking to get all of my money back when this clears within the next few days so surely to god I'm ok now! :D

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*grins*

 

As of now, my account is in credit, RBOS can do absolutely nothing now as I officially paid it off. Bring on £25 a week back into my account plus the challenge of getting my money back, wohoo!

 

Will need people's help and will be asking loads of questions over the next few weeks. I will start by sending a letter on Wednesday asking for all my statements between June last year and upto this month.

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still no letter back from the Bank, been 4 days since I sent the confirmation that I am paying it off and I hoped that was proof enough blah blah. I'm assuming that they can't be bothered to reply as they can't do anything to

me now!

 

Still enraged they charged a further £28.00 + £5.68 on the 8th after I got off the pone to them.

 

This will be fun trying to work out exactly what they owe me, it's definately over £300 now anyway!

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Just to reiterate something from a previous post, because you have been overdrawn recently, you will be charged soon for it. Because you are now in credit, ensure you have enough to cover this charge, else you will go overdrawn again, leading to another charge.

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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