Jump to content


  • Tweets

  • Posts

    • 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.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
        • Like
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

RBS claim "they may owe me a refund"?


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3990 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I've had a letter from RBS headed "Information regarding an account you may have previously held with us".

 

It says they are writing in relation to an account which "you may have held with us in the past and is now closed", and goes on to read, "There is a possibility we owe you a refund on this account which we would like to discuss with you", and goes on to provide phone number and contact details.

 

Now the thing is I did have an account but effectively abandoned it after it went overdrawn following a direct debit which was taken out a day early, and after the bank refused to repay and I refused to pay the money in to cover the o/d, they continued to add charge after charge and the last I heard it was around £800 overdrawn, all of which were charges. This was around 6 years ago so it could be statute barred by now anyway but I have no records and have since moved house.

 

Question is, is this a ploy by RBS to try to confirm that they have "found" me so that they can (try to) pursue me for the debt rather than offer me a refund? Has anybody else had a similar letter?

 

It's come from the "Customer Refund Team", Chatham in Kent.

I only mouth my opinion, please look elsewhere for sensible advice! :)

Link to post
Share on other sites

Hello!

 

I've had exactly the same letter, and under the same sort of circumstances (that as far as I know I owe them money not the other way round). My debt is due to be statute barred in about 3 months so I won't be contacting them until after that to find out!

 

I'll be VERY interested to hear the outcome of this!

Link to post
Share on other sites

Thanks for the reply.

 

I can't remember the date I "dropped" the account but it could be statute barred, or just coming up to that point so it might be a last-ditch effort to try to recover the "debt" - I use inverted commas since it's all charges so as far as I am concerned no debt exists.

 

It does pretty much sound like they are using it as a ploy then to get us to confirm that it is the same person at the new address. I can't for the life of me see a bank making a concerted effort to try and locate somebody who they owe money to so I doubt very much if I will be chasing it up.

I only mouth my opinion, please look elsewhere for sensible advice! :)

Link to post
Share on other sites

Yeah I thought they wouldn't bother making a concerted effort either, but a bit of googling does show that RBS/Natwest are making proactive efforts to reunited customers and cash. A bit weird, I know, but it does seem to be happening.

 

I've decided to wait until the debt is statute barred and then contact them to see what they've got to say for themselves. Might be a nice surprise, might not.

 

What I did wonder though, is, if its a method to try to contact us to get their money back from us, then wouldn't the FOS deem it unfair to send a letter to us saying "there is a possibility we may owe you a refund" when the bank KNOWS this isn't the case?

 

Just a thought!

Link to post
Share on other sites

Yes I wondered about that too, isn't it some form of entrapment? If they do owe us anything then they would know, there is no "may". Thing is though, while the FOS might deem it unfair it would get not us out of the situation that they would now know where we are.

 

I had hoped a lot more people would reply who had received something similar to be honest, to give us a bit more to go off but I might send for my credit reference file to see what dates are on it.

I only mouth my opinion, please look elsewhere for sensible advice! :)

Link to post
Share on other sites

You may find my thread on this at the Money Saving Expert forum of interest -: forums.moneysavingexpert.com/showthread.php?p=61315039&posted=1#post61315039

 

I've posted more information on what I may do about it, over there :)

Link to post
Share on other sites

Thanks, that's useful. I have to admit I never considered that there might be a genuine refund of charges which would still leave any debt owing (though in my case as previously stated it's entirely made up of charges).

 

Re: the statute barred issue, as far as I am aware once it's SB that's that, there is nothing they can do. You could even phone up and gloat about it the day after if you wanted to.

 

Not wanting to go off topic but it's relevant to the SB issue - I'm still being chased for a debt that never existed from over 10 years ago - car sent back after I had paid the relevant amount on HP but the company NEVER accepted that it was my right to terminate the agreement and have chased me ever since. I found out recently that a CCJ had been issued against me in 2010 (but at my old address so easy enough to get rid of it when i get around to it) despite the fact that I haven't acknowledged and "debt" to them in over 8 years.

 

I did write a few times to the DCA to advise them it was statute barred, which they eventually accepted, yet they are still sending me reminders!

I only mouth my opinion, please look elsewhere for sensible advice! :)

Link to post
Share on other sites

http://www.hmrc.gov.uk/manuals/ihtmanual/ihtm28384.htm

 

Brief details here on SB:

 

"If a lender allows time to pass without receiving any payment an action for recovery may become barred.

 

Under the Limitations Act 1980 the time limits are

in simple contracts, 6 years

in contracts under seal, 12 years.

 

Although I'm not sure what it means by "....may become barred."

 

Anyway my RBS letter has gone in the shredder.

I only mouth my opinion, please look elsewhere for sensible advice! :)

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...