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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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BOS acknowledged - what happens next?


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I had a Bank of Scotland credit card and had a load of charges thrown at me for late payments etc, it amounted to a few hundred quid. We just consolidated loads of debts so I paid it off and closed it.

Can I claim it back? Also I don't have my statements, will they let me have copies?

Any help appreciated.

Sky

BOS - Prelim letter del 19/5/06 LBA del. no response - filed 12/06

Clydesdale Financial Services - Gave them their chances off to court we go!

HSBC - Watch out I'm coming after you next!

 

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Thanks for replying.

Any idea how much the charge for statements might be?

Also will I be able to claim that back?

Thanks

Sky

BOS - Prelim letter del 19/5/06 LBA del. no response - filed 12/06

Clydesdale Financial Services - Gave them their chances off to court we go!

HSBC - Watch out I'm coming after you next!

 

If you like anything I say click the scales!

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Under the DPA you are ENTITLED to them, so first of all state this.

 

If they still argue (and you are anxious to get the ball rolling) I'd personally pay (£5 at RBS if memory serves correctly, £10 in most other banks).

 

If you DONT wish to pay, I'd take it further and complain to the Information Commissioners Office, regarding the banks breach of data protection due to their refusal to give information.

 

You are not asking for the ACTUAL statements, your asking for all data, and thus you are entitled to them

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Yes you are entitled to them but they can charge you a maximum of £10.

The law, in its majestic equality, forbids the rich as well as the poor to sleep under bridges, to beg in the streets, and to steal bread.

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  • 4 weeks later...

I have been looking in the litigation in progress section but i don't see many people taking on Bank of Scotland.

Are there so few of us?

I was looking to see how many people had started the progress and got their money before going to court.

I need some encouragement!

Sky

BOS - Prelim letter del 19/5/06 LBA del. no response - filed 12/06

Clydesdale Financial Services - Gave them their chances off to court we go!

HSBC - Watch out I'm coming after you next!

 

If you like anything I say click the scales!

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The whole process can take 6-12 weeks, and this campaign is quite young. There will be BOS claimants...in due course. Don't get discouraged :rolleyes:

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Does anyone know of anyone who has got their money back from them yet?

Sky

BOS - Prelim letter del 19/5/06 LBA del. no response - filed 12/06

Clydesdale Financial Services - Gave them their chances off to court we go!

HSBC - Watch out I'm coming after you next!

 

If you like anything I say click the scales!

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I know of a few.

 

Seriously though, EVERYONE who want their money back gets it. One way or another, regardless of which bank it is. They are ALL acting unlawfully, and until one of the actually has the bottle to take it to a court when challenged, the only supposition any reasonable person can make is that they know they are acting unlawfully.

 

This is not a gamble. If a bank allows themselves to be taken to court, they would lose. The only reason, IMO that they don't allow it to go to court is because they know the papers would be all over it and then lots more people would know that the banks are not exactly acting within the law.

 

This is far more serious for them than it is for us!

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Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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i got a letter from them today saying "sorry you are not happy with our service mr rae.We are currently investigating your account and will recieve a full response shortly"

i sent my second letter yesterday to the senior customer relations manager giving 14 days to return my charges etc in full or i will be filing a claim. im due £600 plus since dec to present, i was out of work for 2 months and every week since i got a new job i have put all my money into my account and im still battling to catch up due to my bills and the charges i get constantly from BOS. cant wait to get my money back and get out the overdraft. thieves

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Start your own thread on this.

 

It makes it easier for people (and the mods and admins) to help/follow.

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Add me as your friend on FaceBook - I need all the friends I can get :-(

 

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The whole process can take 6-12 weeks, and this campaign is quite young. There will be BOS claimants...in due course. Don't get discouraged :rolleyes:

 

10th of Jan this forum went up.

 

Quite young is an understatement.

 

(although, I had been writing to my MP, the OFT, the FSA and national newspapers prior to starting this).

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Add me as your friend on FaceBook - I need all the friends I can get :-(

 

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I am no doubt rehashing old ground but just wondered if this was the case?

I had a credit card with Bank of Scotland and I'm not sure whether Bank of Scotland, Royal Bank of Scotland and Halifax are one and the same.

Kind regards

Sky

BOS - Prelim letter del 19/5/06 LBA del. no response - filed 12/06

Clydesdale Financial Services - Gave them their chances off to court we go!

HSBC - Watch out I'm coming after you next!

 

If you like anything I say click the scales!

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Guest BlueRuby

I always refer to the Royal Bank (of Scotland) as RBS. Reduces confusion with BoS. Also would it not be a good idea if BoS/Halifax and the RBS had separate sub-forums?

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Where is everyone sending their BOS letters?

I am sending my first letter today. Will take to the local branch but where should I address it for the attention of?

Sky

BOS - Prelim letter del 19/5/06 LBA del. no response - filed 12/06

Clydesdale Financial Services - Gave them their chances off to court we go!

HSBC - Watch out I'm coming after you next!

 

If you like anything I say click the scales!

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I took mine in addressed to 'customer services '.

Like wise today I hand delivered my preliminary request letter addressed to 'customer services', the teller opened it saying he would look to see if it was something he could help with.....his face was a picture :-) lol

Bank of Scotland round 1: £740 + costs settled, still sore over the 8% grrr

Bank of Scotland round 2: £629 +101.15 interest +£39 costs settled.

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Please don't shout at me, I have read the FAQs and can't find the answer.

I had a BoS credit card which I am demanding charges back from. It says in the FAQs that you can claim interest back, does this apply to credit cards too?

For pretty much all the time i had this card it was over the limit and when I looked at the statements, since July last year I had been charged two lots of interest per month on the same day, one would be say £8 and the other would be around £11 per month.

What do you suppose these are and can I get them back? Or is interest on a cc to be expected and a normal expense of having one?

Be gentle please!

Sky

BOS - Prelim letter del 19/5/06 LBA del. no response - filed 12/06

Clydesdale Financial Services - Gave them their chances off to court we go!

HSBC - Watch out I'm coming after you next!

 

If you like anything I say click the scales!

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I am about to pursue the BoS. It was a basic account. They refused a Direct Debit for something like £5.00 and then charged me which made the account overdrawn. I asked for it back. They refused, so I had my wages paid elsewhere. After continuing to add charges every month, they eventually closed the account and said I owed them about £260 or something like that. I need to find out, so I can write to them and get the matter settled once and for all.

 

Thing is the account was an online account (so no branch as such) but the address for all correspondence is Edinburgh. Do the same rules that apply to UK Banks apply to the BoS in Edinburgh?

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I have my BoS statements for my credit card I had with them.

Do you suppose I should write to them asking for any details on manual intervention? Or just kick off with the charges I know I have?

I didn't send a DPA letter as I already had my statements.

Sky

 

 

MODERATED post moved .... please keep to your original thread as this is for your own benefit as well as for people who are following your claim

BOS - Prelim letter del 19/5/06 LBA del. no response - filed 12/06

Clydesdale Financial Services - Gave them their chances off to court we go!

HSBC - Watch out I'm coming after you next!

 

If you like anything I say click the scales!

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seen as the banks are using ' manual intervention ' as an excuse for the charges then you need the notes to prove there hasn't been any.

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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I'm a bit thick ;0)

Should I write that I want this info under the DPA?

How do you think I should word it?

Sky

BOS - Prelim letter del 19/5/06 LBA del. no response - filed 12/06

Clydesdale Financial Services - Gave them their chances off to court we go!

HSBC - Watch out I'm coming after you next!

 

If you like anything I say click the scales!

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