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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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    • 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 
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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.

      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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monkey_uk Vs First Direct ::: Settled IN FULL £2235.50 12/05/06


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Could you please take a couple of minutes to read this and let me know if it is ok?

 

I am aware that I need to include my account number and address in the letter.

 

Thanks in advance.

 

Please supply me with a complete list of transactions and charges relating to my bank account since the date that I started banking with First Direct (4th September 2002). This includes a list of what the charges were in monetary terms, what the charge was for, and the amount involved (i.e. £10 charge for return of a Direct Debit that was for £23.99). Alternatively a complete set of bank statements for that period will also be acceptable.

 

I also request that you furnish me with information pertaining to the numerous changes in my overdraft limit. I require a list of the dates that my limit was changed and what it was changed from and to. Again, this is from the date above, to the present day.

 

Additionally where there has been any event in my account history over this period which has required manual intervention by any member of your staff or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention or other evidence of that manual intervention in relation to my banking business with you.

 

As per my conversation with a telephone advisor from First Direct; “Abi Charlesworth” (extension number 21733) of Sunday 12th March 2006, at around 1710hrs, I understand that there is a £10.00 fee payable for this request. Abi has informed me that this will be debited to my account. I give my full consent and agreement to this.

 

You are kindly reminded that transactional and statement information is covered by the Data Protection Act as has been in court (Durant Vs Financial Services Authority – 2003).

 

If you are unable to supply data relating to manual intervention because there has been no such manual intervention then please be kind as to confirm this in your response to this request.

 

You have 40 days in which to comply

  • Confused 1

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The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

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Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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Nice.

 

Don't forget to add "DPA Request" in big letters at the beginning of the letter, just in case there's any doubt that it's what you're asking for! I know it's obvious from the contents of your letter, but dont over-estimate the intelligence of the people at the receiving end! :lol:

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Nice.

 

Don't forget to add "DPA Request" in big letters at the beginning of the letter, just in case there's any doubt that it's what you're asking for! I know it's obvious from the contents of your letter, but dont over-estimate the intelligence of the people at the receiving end! :lol:

 

 

Yup, I have done.

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The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

--

 

Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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So everyone thinks this sounds ok then do they?

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The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

--

 

Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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Right, I hope it was ok, because I've just sent it.

If you found this post useful, please click on the "scales" icon in the bottom left of my post and say so!

 

The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

--

 

Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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I feel better already!

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The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

--

 

Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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Received a reply today:

 

Dear Monkey,

 

request for information

 

Thank you for your request for a copy of some of your personal data. This was accepted for processing on 14 March 2006.

 

The charges information that you have specifically requested is contained within the accounts' statements. I will arrange to provice you with copies of your accounts statements, as detailed in your letter. The bank only retains information of this nature for six years. I beleive the information regarding manual intervention can be found in Reference Book and Martini Note, and I will provide you with copies of these notes. Should you requires additional information please contact me as soon as possible to discuss your exact requirements.

 

As you are aware, under the terms of the Data Protection Act we must respond within 40 days from receipt of your application.

 

The data will be forwarded to you by courier and your signature will be required by the courier to acknowledge receipt.

 

If you require any further guidance regarding your data, please telephone me on the above number extension 66787. My office hours are Monday to Friday 9.00am to 3.00pm.

 

Yours sincerely

 

 

Lind Young

Data Security Manager

 

Thoughts please?

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The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

--

 

Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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Reference Book and Martini Note
What's that?
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Reference Book and Martini Note
What's that?

 

I quoted the letter word for word Bankfodder, so your guess is as good as mine. Presumably, that is their name for the systems they use??

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The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

--

 

Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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  • 2 weeks later...

I have received the details that I requested. Delivered by DHL at 0650hrs this morning).

 

Complete statement set, and system notes.

 

I'm, just calculating the fee's now.

 

Very interesting quote from their notes on my account (quoted word for word):

 

 

 

First Direct said:

 

Customer advised he has some cheques that will possibly present to account before salary. These cheques are £7.50 each and are used for getting travel to work. Customer advised if possible not to return cheques. Advised customer no guarantee as system can return".

 

This surely demonstrates that there is no manual intervention with regards to unpaid cheques, doesn't it??

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The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

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Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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Very interesting all round - did they say why they were using a courier? Perhaps there was some phrase in your original letter that implied a 'sit up and listen' approach, or have you given them a good kicking in the past?

 

Additionally, the note about "customer requests non-cancellation" does imply automation, but also their apparent inability to intervene. After all, it is clear that you explained something to them, and their internal processes prevented them from treating the request 'on it's own merits...' - or even with due consideration and sympathy.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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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Very interesting all round - did they say why they were using a courier? Perhaps there was some phrase in your original letter that implied a 'sit up and listen' approach, or have you given them a good kicking in the past?

 

Additionally, the note about "customer requests non-cancellation" does imply automation, but also their apparent inability to intervene. After all, it is clear that you explained something to them, and their internal processes prevented them from treating the request 'on it's own merits...' - or even with due consideration and sympathy.

 

Exactly. The worst thing is, they're actually a really good bank IMHO when it comes to service. They've only let me down on a handful of occasions (i.e they couldn't or wouldn't do something which I asked of them). It's just the charges, I've now got a figure....

If you found this post useful, please click on the "scales" icon in the bottom left of my post and say so!

 

The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

--

 

Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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Total figure is £1759 (that is WITHOUT debit interest, or the 8% interest permissable by court)

 

Minus 2xFee refunds, one for £75.00 and theother for £5.00

 

Grand Total = £1679.00

If you found this post useful, please click on the "scales" icon in the bottom left of my post and say so!

 

The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

--

 

Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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title change.

 

Edit: It didn't work. :(

If you found this post useful, please click on the "scales" icon in the bottom left of my post and say so!

 

The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

--

 

Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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It will be interesting to see if you get the 3 x '10 working days' letters, followed by the

'We do not agree these charges are unreasonable' letter,

as my daughter and mondeo recieved.

Or if they just refund like they did edinburgheire.

GOOD LUCK!!!!!!

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If you find this site helpful and if you reclaim your charges please donate by clicking the button at the top of the page

 

First Direct 1 - settled

First Direct 2 - settled

RBS 1 - claim made 8/5/6

RBS 2 - claim made 8/5/6

GE Capital - counter claim 6/5/6

Halifax - settled 31/5/6

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Hi Vix, yes, I've read edinburgwhatever his name is' thread, and yours and mondeo's too.

 

We'll wait and see, but they'll be getting only 2x14 days from me (14 days for prelim letter, and 14 for LBA).

 

I hope they just roll over and pay it, I don't want it go to court as I'll have trouble scraping together the £100+ quid to begin the proceedings.

 

Ideal scenario (other than them settling in full) will be that they'll refund a few hundred quid as goodwill, and then I'll have the cash to take them to court. Otherwise it'll be a little while before I can take them to court I think.

If you found this post useful, please click on the "scales" icon in the bottom left of my post and say so!

 

The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

--

 

Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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That's the problem with my daughter. Shes got a baby and on income support so has to apply for exemption from court fees.

We've waited a week for proof of income and don't know how long it will take to assess her elegibility.

However, will post it all to Sheffield Combined Courts today and see what happens.

By the way, thanks for your kind offer of support. If it goes to court we'll be grateful, if its a convenient date/time for you.

My daughters panicing already and we've not even posted the form!!!!!!

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First Direct 1 - settled

First Direct 2 - settled

RBS 1 - claim made 8/5/6

RBS 2 - claim made 8/5/6

GE Capital - counter claim 6/5/6

Halifax - settled 31/5/6

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Well I'm not on benefits, I work ful time, I'm just skint due to, guess what....Bank Charges!

 

As long as I get plenty of notice from you, I'll try and book the day off work and come along to court with you as I'm only a 20 minute train ride away from Sheffield.

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The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

--

 

Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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Thats very kind of you. But having a day off will make you skinter. (such a word?)

I like to think I'm not a stupid person. I work for an accountants office doing VAT and book-keeping, all computerised, and am, therefore, au fait with finances and financial matters.

I have spent hours and hours reading posts and faq's on here, especially the last few weeks as I'm off work due to an op, and very bored, and I DO understand the fundamentals, although bookworm gets a bit frustrated with me sometimes!!! (I can tell by the tone of the replies.)

But I know in a court situation I will be so nervous that all the knowledge will be there but not come out right.

That's if I'm allowed to speak on my daughters behalf.

Also, everyone else seems to be 'darn sarth' if you know what I mean, so its nice to know others are nearby.

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If you find this site helpful and if you reclaim your charges please donate by clicking the button at the top of the page

 

First Direct 1 - settled

First Direct 2 - settled

RBS 1 - claim made 8/5/6

RBS 2 - claim made 8/5/6

GE Capital - counter claim 6/5/6

Halifax - settled 31/5/6

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But I know in a court situation I will be so nervous that all the knowledge will be there but not come out right.That's if I'm allowed to speak on my daughters behalf.

Bank Fodder has posted a sensible bit of advice on this, somewhere in the library, called Familiarisation. The gist is that you go to the court a few days early, and ask the usher if you can sit in on a case to see what it's all about.

 

This had never occured to me, and is something I intend to do. The last thing I want on the day is to make a hash of it all through lack of familiarity...if you have the time, it may give you the confidence you need.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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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Thats a great idea. Unfortunately, as my daughter has a small baby I'm not sure she'll be able to do that and attend the actual court hearing. I'm trying to make loads of notes for her from different areas of the site, just in case, but as you can imagine, I am absorbing most of the info myself. I think shes hoping they'll let me speak for her but as I said before I'm not sure that allowed.

If you found this post helpful please click on the scales, top right. Thank you.

 

If you find this site helpful and if you reclaim your charges please donate by clicking the button at the top of the page

 

First Direct 1 - settled

First Direct 2 - settled

RBS 1 - claim made 8/5/6

RBS 2 - claim made 8/5/6

GE Capital - counter claim 6/5/6

Halifax - settled 31/5/6

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You could always ask the usher some advice on that - can a parent act as advocate for the child if the child is very nervous. It's clearly a 50/50 answer...which would help one of you be better prepared.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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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Shes not actually a child, shes 26 but not very confident.

I think I've seen before in a post by either Dave or Bankfodder that they may let someone else speak, but when we get a date I will ring the court and make some enquiries. Thanks for the advice.

If you found this post helpful please click on the scales, top right. Thank you.

 

If you find this site helpful and if you reclaim your charges please donate by clicking the button at the top of the page

 

First Direct 1 - settled

First Direct 2 - settled

RBS 1 - claim made 8/5/6

RBS 2 - claim made 8/5/6

GE Capital - counter claim 6/5/6

Halifax - settled 31/5/6

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Just re-read the thread and I feel like I've hijacked Monkeys thread. Before I get 'done' my apologies Monkey, it was unintentional.

If you found this post helpful please click on the scales, top right. Thank you.

 

If you find this site helpful and if you reclaim your charges please donate by clicking the button at the top of the page

 

First Direct 1 - settled

First Direct 2 - settled

RBS 1 - claim made 8/5/6

RBS 2 - claim made 8/5/6

GE Capital - counter claim 6/5/6

Halifax - settled 31/5/6

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Thats very kind of you. But having a day off will make you skinter. (such a word?)

 

Nah, I'll just take it as a holiday day so it's no skin off my nose anyway!

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The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

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Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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