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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?    
    • 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.              
    • 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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    • 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.  

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi - just about to jump into this shark tank and send off my first letter - I have a friend who recommended joining this group so I have. I'm nervous of doing this as I'm unsure what repercussions the bank can inflict. I have an existing personal loan with them, can they demand that I pay this in full once they are aware of my claim submission?

I have finally decided to go for this after having been charged £166 pounds this month for being overdrawn and having a direct debit refused. Enough is enough!

Someone PLEASE tell me I'm doing the right thing

Thanks and hello x:???:

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Hi goonerjools,

 

Welcome, unless you fall behind with your loan payments RBS will find it near impossible to call in their loan, with regard to your charges, the sooner you start your claim to get them back the better, there are a lot of folk here who will guide you every step of the way, ones who are much more experienced in claiming charges back than me and you will get all the help you need.

 

Be cool

 

sparkie

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If you send it to your branch that only slows the process they will have to log it in, then they will sit on for a few days all this delays getting your info, the RBS are very good at delaying tactics, I allways advise people to send it addressed directly to the Data Contoller at the head office in the RBS case the data controllers name is Joyce E. Tudor, write it direct for her attention.

 

sparkie

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Oh well, have lit the blue touch paper and am standing back waiting for the fireworks!! Have just got back from the post office from sending off my SAR and have my recorded delivery receipt tucked safely away. Don't think I have every been this nervous before! I'm one of those that won't take anything back to the shop if it doesn't work and now look - taking on one of the major institutions. Gulp!

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There is no need to be scared, everything you need is here. ;) We all started where you are now. You be be amazed at how soon you will feel empowered by all you will know. :D

 

If they received your sar today, then yes you have started your count down. They also seem to be sending them out a bit sooner. So hopefully you wont have to wait too long.

 

Have a read around the threads so you can see how others are getting on, and you will be able to see what comes next.

But as you know, any worries you have, just ask. Thee is always some one around to help.

Good luck :D

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Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

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Thanks :D you sound so calm

 

Trust me, when i first started i was worried sick. I was scared that i would mess it up, i was also wary of asking what i thought were daft questions. But soon realised there is no such thing as a daft question. :D So always ask. ;)

 

As for the 40 days, its 40 calendar days, no breaks.

 

Very cute pic by the way......:p

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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welcome Jooles:) Ditto seaside lady. You will soon feel stronger and more empowered. Good luck with your claim. :)

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

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

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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.

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Hi again,

Remember n worrying will not make a problem any better OR any worse so don't you worry just let it all take its course, go with the flow you will get help when you need it.

keep smiling.

 

 

sparkie

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Thanks Citizen - have managed to start breathing again so signs are good! :)

 

Breathing is a good start :grin:

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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Well - statements arrived and it's all totting up very nicely - can anyone answer a query for me please - I know I can't claim back the £12 service charges each month that I pay for the Royalties Gold but some months I have been charged £30 or £40 instead of the £12 when I have been overdrawn. Can I claim back any amounts over and above the £12 service charge?

Many thanks

Jooles

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Jooles, What is the £12 service charge for?? (edited, have googled it and assume its a service you have asked for)

 

The Service Charge should be shown as separate to other charges, but it's probably not.

 

If you have agreed to the £12 a month for this RG account (I can't think that anyone would :p) then yes, anything more than that taken from your account each month should be claimed back!

 

Jogs

Edited by havinastella
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Thanks havinastella - the £12 is a fee you agree to when you take out a Royalties Gold account - not sure what the service is though! - I have been doing some checking on some of the other threads and it would appear that I can, as you say, claim back the amounts above the £12 that they have charged me. So far I'm looking at over £2,000 woo hoo, but still can't believe they'll pay up. I'm filling in my spread sheet later today and printing off that prelim letter to send recorded delivery first thing Monday. Do I send that to the Edinburgh head office or my branch please?

Can't thank everyone enough for the quick answers and support.

Jooles x

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Think we were all in your situation at some time of being worried about claiming against our banks.

 

However don't worry, a bank is like any other business they have to comply with the law.... albeit some are of the opinion that they are above the law.

 

RBS are not too bad compared with reclaiming charges from other institutions.

 

There are plenty of us here to help you who have been through the process start to finish, so if you need a hand just let us know.

 

The one thing I would suggest, with your SAR if it did not include any manual intervention sheets (which is likely) to write back to the address to which you sent it stating that you do not hold your Subject Accress Request (under the Data Protection Act 1998) because of the missing manual intervention sheets.

 

The majority of overdraft/penalty decisions are handled automatically meaning (got this in writing from Nat West, an RBS company) that the default of contract i.e. unauthorised overdraft, bounced DD, would cost the bank a matter of pence as part of an overall IT computer system, and not the charges they levy against customers. The manual intervention sheets can demonstrate whether any human activity has occurred at the time you have incurred a charge.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Hi Enron

Thanks for your reply - not quite sure I understand though. I got my statements back and a very brief cover letter stating that any manual intervention is notified to the customer at the time - do I need to do anything else before I put in my preliminary request for repayment?

Jooles

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Sounds similar to the RBS reply that I got, just a way of being evasive on their part.

 

Would write to them considerring that you consider your request still unfulfilled, as a data subject you are entitled to the manual intervention sheets which they hold on you.

 

This won't go to court as RBS normally settle early though you might have to file the N1 before they make payment.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Sounds similar to the RBS reply that I got, just a way of being evasive on their part.

 

Would write to them considerring that you consider your request still unfulfilled, as a data subject you are entitled to the manual intervention sheets which they hold on you.

 

This won't go to court as RBS normally settle early though you might have to file the N1 before they make payment.

 

Hi Jooles,

I agree with Enron you are entitled to all data held and that includes manual intervention information do not accept their explanation that "it is supplied at the time"

 

sparkie

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Thanks Enron & Sparkie - should I do this before I put in the prelim letter? and should I then give them another 40 days to respond or is this still from the original S.A.R? Sorry - really lost here and don't want to do anything to make it easy for RBS to laugh at me any further. They have already charged me another £376 pounds in charges this month - £76 pounds of this is for twice bouncing the £10 cheque I sent in with my S.A.R!!!!

 

Jooles

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