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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.
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
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    • 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
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      • 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
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H.O.L Test case appeal. Judgement Declared. ***See Announcements***


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The 8% interest can only be claimed once it reaches the court stage and is a set %. The only interest amount that can possibly be altered is the CI interest

 

 

 

Well thats my understanding (but this area is not one of my strong points )

 

There is authority for reclaiming the contractual interest applied to the account, though. I haven't tried it myself, but I've seen threads where it is being reclaimed.

 

Statutory interest is a given once the claim issued and reclaiming contractual interest seems to depend on the circumstances and the opinion of the Judge.

 

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There is authority for reclaiming the contractual interest applied to the account, though. I haven't tried it myself, but I've seen threads where it is being reclaimed.

 

Statutory interest is a given once the claim issued and reclaiming contractual interest seems to depend on the circumstances and the opinion of the Judge.

Awww Bless...A 1yr old NEWBIE...:p

http://www.consumeractiongroup.co.uk/forum/cases-library/106112-sempra-metals-irc-july.html

 

 

...:)

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Perhaps further thought to the following Thread MAY once again be topical + appropriate car2403??

can we have a new section in the forum for links to claims with contractual interest

 

...Methinks even the most apathetic NEWBIE Claimant is recognising the extra profits that the Banks are raking in when they are doing the basic maths between what they are STILL being Charged + what they would be expected to be able to Reclaim with s69 8%p.a. Simple Interest.

 

Perhaps a MORE concerted push for Daily Compounded Contractual Interest would also make the Banks squirm just a little??...;)

 

 

...:)

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What credit crunch? City bankers receive £13 bn bonuses this year. Guardian 26/05/08

 

What credit crunch? City bankers receive £13bn bonuses this year | Business | The Guardian

 

"City workers have been awarded £13.2bn in bonuses so far this year,"

 

"There can no longer be any doubt that the multimillionaire elite who run the City and the financial sector are out of control and divorced from economic realities."

 

Greed

business as usual

snouts in the trough

money for old rope

I'm all right Jack!

 

 

:evil:

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Thanks for that, MTM - I couldn't find it when I looked.

 

Perhaps further thought to the following Thread MAY once again be topical + appropriate car2403??

can we have a new section in the forum for links to claims with contractual interest

 

...Methinks even the most apathetic NEWBIE Claimant is recognising the extra profits that the Banks are raking in when they are doing the basic maths between what they are STILL being Charged + what they would be expected to be able to Reclaim with s69 8%p.a. Simple Interest.

 

Perhaps a MORE concerted push for Daily Compounded Contractual Interest would also make the Banks squirm just a little??...;)

 

 

...:)

 

Couldn't agree more.

 

But, then, as I'm neither apathetic nor a newbie claimant, I don't benefit from having the link. ;)

 

Lets start a compound interest fire under this lot then! :p

 

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What credit crunch? City bankers receive £13 bn bonuses this year. Guardian 26/05/08

 

What credit crunch? City bankers receive £13bn bonuses this year | Business | The Guardian

 

"City workers have been awarded £13.2bn in bonuses so far this year,"

 

"There can no longer be any doubt that the multimillionaire elite who run the City and the financial sector are out of control and divorced from economic realities."

 

Greed

business as usual

snouts in the trough

money for old rope

I'm all right Jack!

 

 

:evil:

 

 

So that's why they needed to borrow money from the tax payer !! :evil:

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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pmsl if they are out of touch How the hell can they make 13bn a year?

 

Sounds to me they are willing to do alot more to secure a profit than many people I have seen on this site and others.

 

Making Profit means you have to take control of your sittuation which i what CAG is about.

 

To make money to be wealthy you must have money its the sad fact of life. I doubt this will ever change.

 

 

The only bank I no of that has borrowed money from the tax payers is Northern Rock. They had a poor business plan even I seen flaws when I was working for them. The line manager and department head even adminted it off the record ofcourse sadly.

 

The credit crunch dose not seem to be affecting banks but it is there.It affects small business and the pricing in the housing market.

 

It also affects individuals of society that are most in need of help.

 

We need to start helping them help themselves again because this test case is not going to go away any time soon.

 

It is time for CAG to wake up to this fact and start another collection of court cases on alterative legislation.

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

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Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

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NR the only one to have public money?? Sorry mate where you bin the banks have been given 50 billion:eek: & rising of our money with virtually no strings attached not even a demand that they don't penalise consumers for THEIR mistakes which of course they are

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I said to my knowledge.

 

If there has been other banks givin tax payers money then there must be a bigger problem than they are letting on.

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

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The only bank I no of that has borrowed money from the tax payers is Northern Rock. They had a poor business plan even I seen flaws when I was working for them. The line manager and department head even adminted it off the record ofcourse sadly.

 

 

Check this one out.. 21st April, £50billion made available by the treasury for UK banks.

 

 

BBC NEWS | Business | Darling backs £50bn bank bailout

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I try not to belive evrything I read in the media. Infact I havent picked a paper up this year. Dont intend to either.

 

Wonder how much there putting asside for me No need to use a paper for that.

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

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Guess its time to revail I am a member of the NUJ

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

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I try not to belive evrything I read in the media. Infact I havent picked a paper up this year. Dont intend to either.

 

Wonder how much there putting asside for me No need to use a paper for that.

 

I think this was reported from parliament. x

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Dont belive evrything I here from parliment either lol.

 

There point of view changes more times than the media.

 

If there is a story somewhere someone is going to write about it weather or not it is true then its a different matter.

 

I wonder how much is really given to banks.

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

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;)Did they mention if they liked beef or chicken for there dinner lol.

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

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In the papers today the Unions want to know if the £50billion loan from the Bank of England has been used to pay these obscene city Bankers bonuses

 

Can you tell us which papers, and/or if there is a link online.

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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The 8% interest can only be claimed once it reaches the court stage and is a set %. The only interest amount that can possibly be altered is the CI interest

 

 

 

Well thats my understanding (but this area is not one of my strong points )

 

If you make a claim, you should always request this interest. Give the banks an ultimatum that unless they pay it, the matter WILL end up in Court, and the longer they delay, the more you will be entitled to.

 

Anybody got a link to the interest calculator?

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Heres a very useful link and tutorial created by Steven4064.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/145027-interest-tutorial.html

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All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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Heres a very useful link and tutorial created by Steven4064.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/145027-interest-tutorial.html

 

 

 

 

 

I no I did not ask for that but Cheers for that PM any ways I wonder how long it took him to make sense of that lol

 

Might try with a few beers tonight.

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

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Imagine what the City reaction will be when they realise that all charges made (what they have called profits) need repaying and will be subject to compounded interest at a rate higher than the banks were borrowing?

 

Excellent post PM, and hats off again to Steven - look forward to our next pint!!

 

The more the banks delay the inevitable, the higher the cost. Claim your interest!!! Get all claims into Court and start the clock!!!

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Imagine what the City reaction will be when they realise that all charges made (what they have called profits) need repaying (...)
But will they?

 

I have been thinking about this, and it is actually what someone said (more than once) on this thread which got me musing. That person said something on the lines of "you have been asking for this court case..." and came across as if all this stuff going on was somehow our fault. I am not quite quite sure who "you" is supposed to be; the consumers? CAG? Who knows? Regardless, I started thinking back on the last couple of years, and I thought: Hang on, WE didn't ask for this.

 

First, we were taking the banks to court and they folded. Boy, how they folded. In their millions, as it turned out.

 

Then the judicial system got tired of getting clogged up and some judges started pushing cases on to Mercantile court in the hope of creating a precedent. Faced with that challenge, we got ready to make sure that the arguments would be heard with our side of the story told as it should be, warts and all, challenging the banks to show that they were not making obscene amounts of profits out of their customers' offences and to stand by their oft-repeated mantras that the charges were a fair reflection of their real costs.

 

The banks kept on folding rather than taking the chance that a judge would see what was glaringly obvious to all. But they couldn't keep on doing that for ever, the judicial system was becoming more and more aware of their delaying tactics, their systematic abuse of the system to try and browbeat the customer in submission, and sooner or later, their guard would slip and a case would get through in Mercantile, and a precedent would be set, and there was a very strong chance they would not be getting their own way.

 

So they approached the OFT, that organisation which is supposed to be looking after the consumer's interests, and they set out to have a test case that would be based on what they wanted discussed, on what issues they were prepared to reveal, and with many issues thrashed out discreetly and/or conceded before anything ended up in court, so the judge would be given a fairly limited number of issues on which to decide, and as a result, what could have been a complete debacle for the banks ends up a fairly civilised affair, where, on the face of appearances, the customer is going to get a shafting of epic magnitude.

 

So I do wonder what lies in wait now. The mood of cautious optimism and faith in the British justice system which I kept going over nearly a year is gone and I worry that the cynics who predicted a washout were maybe more sensible after all. Even the apparent "victory" of the OFT in the 1st stage now takes a different meaning knowing it is going to be appealed whilst the toothless tiger allows the penalties decision by the judge to go unchallenged, and presumably will also not say a bloody word when the judge conveniently finds the historic terms also not to be penalties.

 

It does make me wonder what trap has been cleverly hidden in the current case and decision to subtly lead the Appeals court to reverse the decision that the UTCCR do apply, thereby leading to a complete defeat for the consumer and for the banks to have us under their thumb forever more, and by god, when that happens, we will get punished for our insolence to have dared challenge our masters. :( :( :(

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Individual court cases were never really satisfactory. Many people were turning up in court on the basis it was all easy, and the banks were ready to capitulate... and where the banks didn't (occasionally through accident) the claimants did not always win - in fact, because of complaincancy the consumer sometimes lost.

 

As for the decision as to whether to appeal the penalty charge argument, it is quite possible to take it out of the OFT's hands. If you don't agree with it, include it in your reasons for your case, and appeal to the high court. You will lose, but this will give you an appeal to the appeal courts and ultimatly, the house of lords.

 

But... i actually believe that for the current contracts, the judgement of the judge is actually likely to be correct. i think that any judgement other than that the historic terms included clauses that late payment was not a breach of contract would have a devistating effect on the banks, since it would invalidate huge numbers of county court judgements in my opinion.

Edited by tomterm8

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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