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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...
    • 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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    • 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.

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Insurance company playing dirty tricks..


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Hi.

I'll be brief.

I have just sold my car and I am trying to cancel my insurance.

If i had not sold my car I would have had to pay just another 2 months on the policy.

Some idiot drove into me a while ago and though the car was not really damaged I was still quite annoyed and wanted the driver to pay for it somehoe and thought I better tell my insurance company to cover my own back. Silly mistake.

I did not put a claim in, it was simply a 'notification' to let them know.

I strictly said this.

 I called them 2 weeks ago to ask about when I would need to cancel my policy as to not have to pay another month, as I knew my car was due to sell anytime. They said there is a claim still open, and I told them that I did not open a claim, the women on the phone said it would be closed anyway and there would be no more to pay.

I called today as my car has now sold and wanted to cancel the insurance asap. The women told me there is a case open and if I cancel there is still a closing amount to pay because there is a pending case open.

I told her again I did not open a case and she was just giving me spiel about how it's in case the 3rd party puts a claim in!

There is no 3rd party because I did not challenge the case.

They are trying to screw me over here and it's obvious, all these companies the same!

Can someone please advise me, because I do not have money to be burning into thin air.

 

Thanks.

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Unfortunately the Insurers are correct. Register an accident with an Insurers where it is possible a third party might claim and if you sell a vehicle before renewal you have to pay any remaining premium for the year. If no claim is made by the renewal date ask for a refund between date of cancellation and renewal date.

We could do with some help from you.

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Register a formal complaint in writing advising that the accident was 100% the fault of the third party and you don't see why you have to pay the full annual premium by cancelling early. You want the standard cancellation terms to apply.

See how they respond.

We could do with some help from you.

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I tried to ask her to speak to a higher up but she would not listen.

 

I do actually have CCTV footage of the accident, and it does show him driving into me, should I use this?

 

I never submited it because my frined said there was a possibility they could come back with a 50/50... I was adamant it was his fault and the video shows it.... maybe I could post it on here?

 

What if I got a letter from the person who had the accident (it was a driver of a large organization) and got them to sign that they were not making a claim? (it furiates me to even type that because I know it was not my fault)!

 

Should I post video up here?

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Not being funny, but just get on with it and make your complaint in writing to the Insurance company. We see so many frustrated complainers on this site, who manage to post to this site, but find it difficult writing a straighforward letter. You write very well and seem very well equiped at making a complaint.

 

Your Insurers are basically correct, but if you hassle them enough with a complaint, they might not bother to charge you the premium until renewal. Send the CCTV footage to their claims department for their records.

We could do with some help from you.

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OK I'll call them up today and ask for a forwarding address.

The next payment would be due on the 18th though. A bit of a tight deadline? Or can I ask for it to be suspended while I write?

And what about the video footage I have and asking the '3rd party' if they are going to make a claim? And if they are not then they should close the case. and what about this refund if no claim is made?

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If you think about it.

If you don't want to pay, cancel the direct debit at the bank or cancel the payment authority with the Insurers if it is a debit card arrangement. The payment won't be processed until Thursday, so tine to stop it.

You can get the third party to confirm they will not be making a claim and that they were 100% at fault for the accident.. Your Insurers will want this in writing from the third party.

The silly thing in these situations is technically with a pending claim you have to pay the full years premium. You only get a refund later if no claim payment is made. Not many people are happy paying and possibly getting the refund at an unknown date later. HENCE WHY YOU SHOULD BE COMPLAINING IN WRITING.

We could do with some help from you.

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OK so just called them, maybe I had it wrong... They are a lovely bunch of people..... :violin:.

Not.

But they said i would only be liable to pay the remaining amount IF a claim is made by the 3rd party.

 

I have threatened them (nicely) and (politely) that I will be in contact with the 3rd party to get a written letter to confirm that they were at fault. I don't know I chat **** sometimes..

looks like I don't have to pay any more money, unless this 3rd party puts a claim in.

Is there a chance that this insurance company will antagonise the situation and write to the 3rd party inviting them to put a claim in? It would make good business sense if they did?!?!?!

This all happened about 2 months ago, they are unsure how long it will take until the case is closed, I asked them how long they normally take and they have said there is no set time... JOKERS. Playing their own rules, it should be illegal.

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