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    • 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.              
    • 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...
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Direct Debit Problem


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To cut a long story short, I lost my job through no fault of my own - company went bust.

 

I've now got a new job which I started on Monday.

Having no money except for my three tiny pensions (one was cut in half today, reducing it from £75 per month

to a measly £38 without any warning whatsoever but that's another story for another thread - and yes, I've already complained),

 

 

I had no option last week but to take the money I had set aside to cover a direct debit to use it for fuel for the car

as I have to travel a distance now to get to work (and we had to eat too).

 

The direct debit was due out on the 26th September, which was a Sunday.

I withdrew the money on the Thursday 23rd September. Strangely, this transaction has showed up like this:

 

26 Sept HANCO25SEP

 

The date above does not tie in with when I withdrew the money.

 

Now, RBS are charging me for an unauthorised overdraft at a rate of £6 per day.

I will get my first week's salary on the 10th October which means they're going to help themselves to at least £60 of that.

 

I can't afford to lose that kind of money.

I spoke with a very unhelpful young man who said they can recall the DD

- or I have to pay the bank charges and since they already refunded me bank charges (their fault not mine)

of £6 a couple of months back they can't (or won't) refund any more.

 

I don't mind paying the charge of £6 for the missed DD

but object to paying £6 per day on unauthorised overdraft charges.

There was no money in the account so they should not have paid the DD.

 

Advice please on how I can deal with this would be greatly appreciated.

 

As for having an authorised overdraft, I did ask for a small one a few years ago and got turned down.

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IMO, I would cancel the DD, depending on what it is actually for??

 

Then email/write to the bank regarding their bank charges, and demand a refund under 'hardship' rules.

 

If you can pay via standing order then do so, as this is something you can control, DD's are a pain in the backside and abused left right and centre.

 

Which bank is it?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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BCOBS

 

 

rbs link off of that

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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...

The direct debit was due out on the 26th September, which was a Sunday.

I withdrew the money on the Thursday 23rd September. Strangely, this transaction has showed up like this:

 

26 Sept HANCO25SEP

 

The date above does not tie in with when I withdrew the money.

...

 

Is there any chance you have made a mistake?

 

The 26th September 2014 was a Friday, not a Sunday

The 23rd September 2014 was a Tuesday not a Thursday

 

And the 25th September 2014 was a Thursday and is the date shown for the withdrawal, so that would make sense if you withdrew the money on Thursday

 

There was no money in the account so they should not have paid the DD.

 

No bank will manage your account for you like this. They are just following your payment instructions at the end of the day. And if you haven't got the funds, as long as the bank are comfortable with the risk, they will pay it.

 

As for having an authorised overdraft, I did ask for a small one a few years ago and got turned down.

 

It could be worth checking again now?

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I had a problem very similar as this, Natwest.

Had a £100 overdraft and a DD came in and the bank would not pay it but charged me £6 for the failed DD.

Now this DD was only short by a few £s but was unpaid.

They then took the £6.00 failed DD charge putting me over my limit.

 

I complained that if they can put me over limit for themselves then why not when the DD came in.

 

This ended up as a 6 month argument with me going to the FOS and winning, By this time my balance was over £500 overdrawn.

Ended up with my account back to how it was and £100 compo.

 

Best way if you don't have enough funds in the account is cancel the DD.

 

Is this Natwest by any chance?

If so have you signed up to their text alert service, You should be given time to cover any over limits before end of day.

This is where Natwest failed me and charged me for 3 days at £6.00 per day before I knew anything about it.

 

George

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I had a problem very similar as this, Natwest.

Had a £100 overdraft and a DD came in and the bank would not pay it but charged me £6 for the failed DD.

Now this DD was only short by a few £s but was unpaid.

They then took the £6.00 failed DD charge putting me over my limit.

 

I complained that if they can put me over limit for themselves then why not when the DD came in.

 

This ended up as a 6 month argument with me going to the FOS and winning, By this time my balance was over £500 overdrawn.

Ended up with my account back to how it was and £100 compo.

 

Best way if you don't have enough funds in the account is cancel the DD.

 

Is this Natwest by any chance?

If so have you signed up to their text alert service, You should be given time to cover any over limits before end of day.

This is where Natwest failed me and charged me for 3 days at £6.00 per day before I knew anything about it.

 

George

 

It's the Royal Bank of Scotland.

 

 

I had to make a decision quick.

 

 

Either let the DD go through or take the money out and secure a job.

 

 

No contest there - the job won.

 

 

As it happens the matter is now resolved thanks to my brother.

 

 

He lent me enough money to see me through until I get my first wage a week on Friday.

 

 

I'll still get stung for £12 at the end of the month but that's better than £60.

 

My problem apart from unexpectedly losing my job is that because I have 3 small pensions totalling £270 a month,

I only qualified for believe it or not £5 JSA.

 

 

It would have cost me more to go into town to sign on than it was worth

so apart from these pensions I had nothing else coming in.

 

 

The job I've got now isn't the best job I've ever had, office work and repetitive

but the hourly rate is quite good and they're a friendly bunch of people to work with.

Hours are perfect for me too.

On the downside I have to travel quite a distance to get there.

 

One thing I've discovered since my husband died just over 3 years ago,

widows get a raw deal in this country, especially those of us over the age of 50.

 

Anyway, thank you all for your replies :)

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Contact the bank and lodge a complaint about their bank charges, quite how being overdrawn attract £6 a day charges is beyond me, and the banks make

billions out of us fabricating interest rates etc..you never know, they may refund them, if not you can always vote with your feet and close the account.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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OP, if you do decide to contact the bank again to try and get them to waive the charges please do not raise silly issues and claim that they are "fabricating interest rates".

 

You should be polite and keep in mind that you are relying on the good will of the person on the end of the phone.

 

Some additional advice from one of the posters over at MoneySavingExpert: http://forums.moneysavingexpert.com/showpost.php?p=66600495&postcount=7

 

..is beyond me...

 

Evidently.

 

You're being naive in thinking that interest rates and charges are just fabricated.

The £6 a day charge reflects the risk involved with unarranged borrowing.

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Although I still feel, with no money to cover the DD in the account, they shouldn't have paid it, overall I haven't had that many problems with them. The staff in the branch (it's a small branch) are usually very friendly and helpful. Perhaps the young man I spoke with is new there, I certainly didn't recognise his name or voice. I have to go into town next week so I'll pop in and have a word with the bank manager and see what he says. Thankfully, I'm working again now (only a temp job but it's supposed to be long term, possibly becoming permanent, but hey, it's a job) so that situation shouldn't arise again, at least for a while.

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Evidently!

You know best, carry on! :spy:

 

 

You are of course spot on Boo, the banking culture of " let's think up a charge for something and see how much we can get away with and charge interest upon " stinks and always will.

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Sorry, had a long day yesterday and was in a very flippant argumentative mood... :rant:

 

Perfectly reasonable LP, if this is a small local bank and your happy to continue using them then do so.

 

The cynic in me says that the reason why they allow your DD to go through when they know there are no funds in your account

to cover it, is purely so they can make a bigger profit out of you, rather than hit you with a one off charge for a failed DD, they can

charge you everyday.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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