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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?    
    • 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.              
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Capital One and Sentinel Card protection


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Hi all hope someone can provide me with some help.

 

I have a Capital One credit card, they have been charging me PPI as a percentage of my balance every month, i do not recall asking for this service.

 

I phoned them to cancel which they have now done. They informed me that i signed up to the service over the phone. Which i do not recall.

 

I have also noticed that they passed on my details to Sentinel Card protection whom charged me a fee of £39.00 in August 2004 to cover me for three years. I do not recall signing up for this service and have never heard of the company.

 

However the annoying matter is that Sentinel have charged me again this August 2007 an amount of £49.00 for the next three years i only became aware of this when i received my capital one statement yesterday.

 

I have phoned sentinel to cancel and because the payment has lapsed 30 days by 3 days they will not refund the charge. They say they sent me a renewa letter in July 2007. They said they sent this to the address on record. I have since moved but only down the road so collect all correspondence from previous address and never received the letter from Sentinel.

 

They say the letter they sent informed me that they were going to charge me. But as i never received it they went ahead and charged me any way. I feel that this is unfair if they sell you the policy over the phone then why do they not phone to see if i still want it.

 

I have asked them to investigate the matter they say they will get back intouch with me in the next 5 working days.

 

If anyone can provide me with advise i would welcome it.

 

Kindest regards

 

Chad

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Hi all hope someone can provide me with some help.

 

I have a Capital One credit card, they have been charging me PPI as a percentage of my balance every month, i do not recall asking for this service.

 

I phoned them to cancel which they have now done. They informed me that i signed up to the service over the phone. Which i do not recall.

 

I have also noticed that they passed on my details to Sentinel Card protection whom charged me a fee of £39.00 in August 2004 to cover me for three years. I do not recall signing up for this service and have never heard of the company.

 

However the annoying matter is that Sentinel have charged me again this August 2007 an amount of £49.00 for the next three years i only became aware of this when i received my capital one statement yesterday.

 

I have phoned sentinel to cancel and because the payment has lapsed 30 days by 3 days they will not refund the charge. They say they sent me a renewa letter in July 2007. They said they sent this to the address on record. I have since moved but only down the road so collect all correspondence from previous address and never received the letter from Sentinel.

 

They say the letter they sent informed me that they were going to charge me. But as i never received it they went ahead and charged me any way. I feel that this is unfair if they sell you the policy over the phone then why do they not phone to see if i still want it.

 

I have asked them to investigate the matter they say they will get back intouch with me in the next 5 working days.

 

If anyone can provide me with advise i would welcome it.

 

Kindest regards

 

Chad

 

Hello Chad,

 

Lets hope they come back in 5 working days with what you want.

 

Is there two issues here.

 

1. charging ppi on the monthly balance

 

2. Paying a fee for 3 years cover,

 

I personally would sent a S.A.R - (Subject Access Request) and get all information from them. You will get all statements as to how much they have taken in ppi.

 

All recorded telephone conversations and transcripts.

If you need help with the SAR there is one kicking about on the ppi forum. It is a full one asking for all information they have on you. If you cannot find it give me a shout.

 

Read around the ppi thread, you will gain so much info regarding the process and if you have any questions just shout.

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Hi Hellhasnofury,

 

 

Thanks you for your reply, i have all statements from when i claimed back my bank charges from Capital one. I have been through it and sent them a letter asking them to repay all ppi charges. But when i wrote the letter i had assummed that the Sentinel card charge three years ago was done through them.

 

It was later that i discover theat this is not the case, Sentinel Card protection are separate.

 

So when i spoke with sentinel to cancel the new charge they informed me that i was 3 0r 5 days late from the 30 days they give you to cancel. The chap on the phone said he would lodge my complaint and i should receive a response by the end of next week.

 

So i think it is best to wait until there response, do you agree.

 

 

Kindest regards

 

Chad

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Puddinpie

 

Hi i sent i reclaim letter on Monday so waiting for reply. It is not that much i am reclaiming. So hope it does not drag on and on.

 

Well done on the charges i got my back but had to file the N! form first.

 

Chad

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I feel that most companies are not rolling over quite so quickly with regard to reimbursing PPI.

 

My PPI against Cap 1 is for £400 and they are not budging - just received another letter from them saying this is their final repsonse (I have had 5 letters stating its there final response !!!) and they willnot answering anymore letters from me and I should now persue with ombusdsman.

 

I am currently at N1 stage with another company (Studio) and that is for only £136.00 (inc £30.00 court fee) and they will not budge either despite the fact I think it is clear cut miss-sellingh of PPI. Quite happy to go to court with these weasels though as they tell blatant porky pies ......

 

Just be warned ............... you will have to fight .......they will not pay up as they have with refund of charges.......the letter you have just sent is just the beginning !

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  • 1 year later...

Hi I can explain...

 

the moment you recieve a credit card, the card has a sticker on the front telling you to ring a number which activates the card, but it isnt the bank or the card issuers number it will 95% of the time be a number for the partnered company of the bank or card issuer

 

every bank can save their resources by partnering with a telesales company to activate credit & debit cards for them & offering sevices such as card protection or identity theft protection

 

in your case capital one partners with Sentinel card protection plan

 

to activate your card you ring the number that appears on the card which is actually the number directly for the sentinel consumer sales floor

 

during the process of the cards activation the consumer sales agent will offer you products to purchase that protect your cards or your identity...

 

what every sales agent is "strictly" trained to do is offer the policies based on the customers wants & needs of each service, simply putting the protection in place is against company regulations

 

ideally when a customer wants the service everything runs smoothly, they know exactly what the service is & is satisfied by the protection

 

but if the policy is set up without consent, as you've experienced it is problematic due to you not knowing what the service is or what it can do for you, hence you are unsatisfied...

 

i have both identity & card protection in place & find both services to be very helpfull, but as you've guessed i know what the services are & how they can be of assistance

 

to actually process a sale of a policy the consumer sales agent must do the following:

 

1. gain consent to pitch the poicy

2. give a brief yet clear summary

3. give exclusions & price

4. gain expilit consent of purchase

5. explain how the payments will be debited, when & how

6. go through the details of the policy i.e. giving you the claim number, the policy number

7. explaining when the policy pack arrives in the post

8. tranfering you through to a recorded message given to the telesales company by their governing body i.e. "financial servises authority F.S.A.

 

in summary being compliant & treating the customer fairly

 

which to be fair on the companies including sentinel, all telesales agents are given a 2 weeks induction course & full coaching on how to do the above...

 

dont be alarmed by this when the above criteria are met (which is 99.9% of the time on each call) the customers end each call satisfied whether they buy or not buy...

 

hope this helps

 

Edward David Brown

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  • 2 years later...
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