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    • 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...
    • 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.
      • 1 reply
    • 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
      • 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
        • Like

Nattie/Yourbank has been dismissed for Gross Misconduct


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On 11th February 2009 NatWest Bank sacked me for Gross Misconduct with regards to the role I have played within the Bank Charges Campaign. I have admitted it and NatWest Bank have acted correctly in the action they have taken.

I would like to thank the Admin and team members of all forums who protected my identity and preserved my role within the campaign since I began in June 2006.

As I am still dealing with issues arising from my dismissal I am not going to post on the NatWest/RBS forums as they may be covered by my confidentiality agreement with the bank. I am not prepared to answer any questions on that topic.

I hope I have helped people and I hope that I have shown that bank workers are not all heartless. I still believe in the employees of banks who do a fantastic job and I hope that my posts have shown that. I would ask that those who know my real identity to allow me the time to sort out the upheaval that is going on as a result of losing my job.

My last comment is directed at my former employer and has been a signature of mine from when I came into the bank charges campaign.

In the words of World War one poet, Wilfred Owen; “I am the enemy you killed, my friend.”

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Of course I don't fully understand the extent of your activities but from what I have seen I wouldn't have described your involvement with the bank charges campaign as gross misconduct. Of course it would be contrary to the interests of the National Westminster bank and other banks because they want to profit from bank charges even though they are are unfair and unlawful.

 

I'm sure there must be a banking union. I suppose they are probably in the pockets of the management but you should go and see them.

 

I would look very carefully at possible courses of action here because it could be that your dismissal has been unfair.

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I was sacked for gross misconduct which I admitted to. I am not able to go into more details than that.

I made sure the process was correctly followed and took advice from ACAS as I was never unionised in the bank.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Is this their worst decission since buying AMRO?

 

You are the type of person who bank customers want to see in banking.

 

It is their loss and will be another bank's gain if they have the forsight to offer you a job.

 

PS I hear there's an opening at FSA for somebody with Banking expierience!

'I believe that banking institutions are more dangerous to our liberties than standing armies. If the American people ever allow private banks to control the issue of their currency, first by inflation, then by deflation, the banks and corporations that will grow up around the banks will deprive the people of all property until their children wake-up homeless on the continent their fathers conquered.'

Thomas Jefferson 1802

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Well I suppose that the bank knows a lot about misconduct

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I was sacked for gross misconduct which I admitted to.
I happen to know that you felt morally committed to what you were doing and therefore it was a matter of conscience.

 

I hear what you say that you have admitted to it but certain people I have spoken to are asking the question whether or not there is some pressure upon you to post about this in the way that you are doing.

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BF, I thought it courteous of me to post the same message that is on 5 other forums rather than you hear it secondhand as this was after all the first site I registered for in June 2006.

I do wish you would spell out exactly what you mean rather than leaving comments in the air because then I would not feel that I am running uphill. Other forums where the message has been posted have users saying thank you and good luck. I guess I haven't been around here recently and maybe I do not know or am unable to gage the tone of CAG anymore.

I was dismissed yesterday almost 24 hours to the exact minute. Today is DAY 1. And I have no idea what is in store for me next. It won't be in financial services though. As I said thank you BF and the team. It is very early days still and I simply want to sort out the most important things such as getting new employment. That is a priority. Today was a day I set aside to inform users that I won't defend RBS Group anymore and that my opinions are not formed or based on who I work for as I do not work for them anymore. The statement was written by me prior to being dismissed but after I knew that it was an inevitable event.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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THANK YOU NATTIE!

 

You made a significant difference to this site and added an impartial informed view from "the other end of the telescope" which often helped bring people down to the reality of the uphill struggle they had with reclaiming these charges.

In my opinion you have been sacked for the crime of offering best financial advice to customers. The fact that your bank “doesn’t like it up em” pours water on their current advertising campaign pretending to offer completely free independent (and best?) advice to customersin branches.

 

 

 

Keep your chin up you are destined for greatness.

'I believe that banking institutions are more dangerous to our liberties than standing armies. If the American people ever allow private banks to control the issue of their currency, first by inflation, then by deflation, the banks and corporations that will grow up around the banks will deprive the people of all property until their children wake-up homeless on the continent their fathers conquered.'

Thomas Jefferson 1802

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I have never read anything that you have posted that could be construed as gross misconduct. I have only just found this thread and am truly sorry that it has come to this.

 

I am sure you have the tenacity to sort out a future career and think you are well out of what can only be described as a sinking ship.

 

The very best of luck:)

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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I'm truly sorry to hear about this Nattie. You may post on 5 forums now, but I know you were with CAG almost from the start and have made valuable contributions. I'm so sorry it's come to this.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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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I would like to join the others in saying how sorry I am that this has happened. I have been a NatWest customer for over 30 years and was always reasonably happy with them - until joining CAG :rolleyes: You helped me in my initial campaign against NatWest and I am very grateful for the help and what I learned from you.

 

All the best in whatever the future holds and thank you.

 

 

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Thank you guys who knew my identity and kept that secret.

For those who think it is a sad day for me, it isn't. Freedom is a strange thing, being able to give a name to a face. It is testament to the fact that the name I am known as on the forums, I will always be known as. Many people in the bank charges forums still call me Nattie and will always call me Nattie. It will take some time for me to debankify myself and to sort out the final pieces from RBS Group, like salary, etc,etc,.

I was proud to work for RBS Group and I am happy not to be working for them. And positive about my future(not going to say "the future's bright, the future's orange!!).

  • Haha 1

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FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Sad news, Nattie.

During the time that you've been involved with the forums, whatever name you were using at the time, you've always been very helpful and informative and you were instrumental in a lot of people regaining control of their lives.

On their behalf let me say a heartfelt thank you.

Whatever the future brings your way, I wish you every success.

 

Regards, Rooster.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

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Dear Nattie -- I remember you helped me at the beginning too - for which I was (and still am) most grateful!

 

I think it's dreadful the way you've been treat - especially given their new tv campaign -- but then we all know that they all work more like the "introductory biscuit" advert that the Nationwide put out!!

 

I wish you all the very best for the future whatever you decide to do x

 

The banks will one day soon get their just desserts.

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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Well Nattie, I'm stunned to see the news, but am glad you're also seeing it as a positive. I can only echo Noomill's words of "I hope you will now become as dangerous an enemy as you were loyal as an employee". Thanks for all your help on all the forums - hope you get the upheaval sorted out and continue onwards & upwards :)

 

Cheers

Michael

Please note that the right to reproduce any part of any post I make on this forum is restricted under copyright law.

 

Please see the following copyright statement

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Really sad to hear this, YB.

 

Think I've mentioned before my bro-in-law is ex NatWest manager, they forced him to work ridiculous hours and sacked him when he had a nervous breakdown, so I've never been keen on NatWest as an employer. Im sure you didnt deserve to lose your job - neither did my bro-in-law, but hey ho, banks cant always see that when things dont go their way, can they?

 

Thanks and good luck. xx

THE PRETENDER AGENDA - August 30,2008 - 2ND ROW!!! WOO-HOO!! :-)

THANK YOU SO MUCH FOR A FAB NITE LEE! xx

Sunderland 011008 - THE BEST BIRTHDAY PRESSIE EVER! 'Aww, it's your birthday! Happy birthday darlin!'

 

02 Apr 2008, 23:55

OfficialLeeRyan wrote:

i like that!! its simple and good and gets the fans involved aswell x x x

 

MY SUCCESSES -

 

1st Credit (Lloyds TSB) admitted no CCA, reply from OFT 130608, reply from FOS 040608, adjudication stage rejected but still no contact....

 

My mate (Littlewoods/Moorcroft)

300608 -Long running battle,threatening court, CCA letter NO 2 and harrassment letter sent - passed back to Littlewoods early July.

070808 - Passed to Debt Managers, Acct in dispute/BOG OFF letter sent 080808...

140808 - Letter from Debt Managers passing debt back to Littlewoods - RESULT! :D

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As I cannot give rep on the thread to everyone. I want to thank everyone for their kind words. It is a very humbling experience to hear that. To clarify, I was sacked for passing confidential information to a third party(natwest spokesperson has been quoted as saying so I don't need to cloak and dagger the reason). I admitted that and I have seen the evidence presented to me. However, had I not been in the bank charges campaign I would still be employed by RBS Group.

The important thing for me is to find employment again and that will dictate whatever happens next in my life cos I got bills to pay and no charges to reclaim........as yet.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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All the best for the future.

Check out the threads below for updates on the DCA's that I am dealing with.

 

GE Money/CL Finance/Howard Cohen & Co - AND - Aktiv Kapital/Appleton Massey Solicitors - IN COURT

Cabot x 2 for Vanquis & Hitatchi - DEFAULTED ON CCA REQUEST

Lowell for Capital One - CANCELLED DEBT!! Trying to get Default removed now

Moorcroft x 2 for Halifax Loan & Bank Account - RETURNED TO HALIFAX

Wescot for Halifax Bank Account - RETURNED TO HALIFAX

Cap Quest for Argos Card - RETURNED TO ARGOS

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Whatever has happened to you I hope you get things sorted very soon, some of your posts have been a breath of fresh air and helped me and others to see the flip side of the coin which has strengthened our own arguments.

 

Good luck and I hope to see you posting again soon.

 

pete

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