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    • Should this to be take into court with him or should he send something in earlier?
    • This is the other sign  parking sign 1a.pdf
    • 4 means that they need to name and then tell the people who will be affected that there has been an application made, what the application relates to (specificially "whether it relates to the exercise of the court’s jurisdiction in relation to P’s property and affairs, or P’s personal welfare, or to both) and what this application contains (i.e what order they want made as a result of it) 5 just means that teh court think it is important that the relevant people are notified 7 means that the court need more information to make the application, hence they have then made the order of paragraph 1 which requires the applicant to do more - this means the court can't make a decision with the current information, and need more, hence paragraph one of the order is for the applicant to do more. paragraph 3 of the order gives you the ability to have it set aside, although if it was made in january you are very late. Were you notiifed of the application or not?    
    • These are the photos of the signs. At the entrance there is a 7h free sign. On some bays there is a permit sign.  Also their official website is misleading as it implies all parking is free.  I can't be certain of the exact parking bay I was in that day, and there was no PCN ticket on my car and no other evidence was provided.  parking sign 2.pdf
    • Hi, In my last post I mentioned I had received an email from SS who were asking me to hand over the keys to my mother’s flat so they could pass them to the Law firm who have been appointed court of protection to access, secure and insure my mother’s property.  Feeling this, all quickly getting out of my hands I emailed ss requesting proof of this. I HAVEN’T HEARD BACK FROM SS.  Yesterday, I received an email (with attached court of protection order) from the Law Firm confirming this was correct (please see below a copy of this).  After reading the court of protection order I do have some concerns about it:   (a)   I only found out yesterday, the Law firm had been appointed by the court back in January.  Up until now, I have not received any notification regarding this.  (b)   Section 2   - States I am estranged from my mother.  This is NOT CORRECT    The only reason I stepped back from my mother was to protect myself from the guy (groomer) who had befriended her & was very aggressive towards me & because of my mother’s dementia she had become aggressive also.  I constantly tried to warned SS about this guy's manipulative behaviour towards my mother and his increasing aggressiveness towards me (as mentioned in previous posts).  Each time I was ignored.  Instead, SS encouraged his involvement with my mother – including him in her care plans and mental health assessments.   I was literally pushed out because I feared him and my mother’s increasing aggression towards me. Up until I stepped back, I had always looked after my mother and since her admission to the care home, I visit regularly.   .(c)    Sections -  4, 5 and 7  I am struggling to understand these as I don’t have a legal background.  I was wondering if there is anyone who might be able to explain what they mean.  It’s been a horrendous situation where I had to walk away from my mother at her most vulnerable because of; ss (not helping), scammer and groomer. I have no legal background, nor experience in highly manipulative people or an understanding of how the SS system operates, finding myself isolated, scared and powerless to the point I haven’t collected my personal belongings and items for my mother’s room in the care home.  Sadly, the court has only had heard one version of this story SS’s, and based their decision on that. My mother’s situation and the experience I have gone through could happen to anyone who has a vulnerable parent.    If anyone any thoughts on this much appreciated.  Thank you. ______________________________________________________  (Below is the Court of Protection Order)  COURT OF PROTECTION                                                                                                                                                                                   No xxx  MENTAL CAPACITY ACT 2005 In the matter of Name xxx ORDER Made by  Depty District Judge At xxx Made on xxx Issued on 18 January 2024  WHEREAS  1.     xxx Solicitors, Address xxx  ("Applicant”) has applied for an order under the Mental Capacity Act 2005.  2.     The Court notes (my mother) is said to be estranged from all her three children and only one, (me) has been notified.  3.     (Me) was previously appointed as Atorney for Property and Affairs for (my mother).  The Exhibity NAJ at (date) refers to (me) and all replacement Attorneys are now officially standing down.  4.     Pursuant to Rule 9.10 of the Court of Protection Rules 2017 and Practice Direction 9B the Applicant 2must seek to identify at least three persons who are likely to have an interest in being notified that an application has been issues.”  The children of (my mother), and any other appointed attorneys are likely to have an interest in the application, because of the nature of relationship to (my mother).  5.     The Court considers that the notification requirements are an important safeguard for the person in respect of whom an order is sought.  6.     The Court notes that it is said that the local authority no longer has access to (my mother’s) Property.  7.     Further information is required for the Court to determine the application.  IT IS ORDERED THAT  Within 28 days of the issue date this order, the Applicant shall file a form COP24 witness statement confirming that the other children of (my mother) and any replacement attorneys have been notified of the application and shall confirm their name, address, and date upon which those persons were notified.  If the Applicant wishes the Court to dispense with any further notification, they should file a COP9 and COP24 explaining, what steps (if any) have been taken to attempt notification and why notification should be dispensed with.   Pending the determination of the application to appoint a deputy for (my mother), the Applicant is authorised to take such steps as are proportionate and necessary to access, secure and insure the house and property of (my mother).   This order was made without a hearing and without notice.  Any person affected by this order may apply within 21 days of the date on which the order was served to have the order set aside or varied pursuant to Rule 13.4 of the Court of Protection Rules 2017 (“the Rules”).  Such application must be made on Form COP9 and in accordance with Part 10 Rules.              
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HSBC charges, help please.


poole535
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Hi, can someone please point me in the rite direction.

 

I have sent off the charges list with the letter stating im in financial hardship, and that i want to claim back all charges from the past 6 years with interest (included in the list).

 

I told them to please respond within 14 days.

 

I got a letter today, which goes on and on and on.

 

Basically it says about the OFT and FSA suspending this.

 

Then 'assuring' myself they have registered and stored my complaint.

 

Saying they dont know exactly on what will happen next, its upto the courts.

 

Letter then states, that i have mentioned im in financial difficulties. To see where they can help me they will need to take a review of my financial situation.

 

They want me to disclose my incomings and outgoings, assets, liabilities, blah blah blah. To see if i am in hardship. They will then explore a range of options which may assist myself.

 

Then goes on to say that if i clearly consider myself in hardship its essential to discuss matters as soon as possible. To complete the income and expenditure form then call them on 08456006423.

 

Basically what im asking is, what do i do? Are they just trying to 'hold' me, to delay the process of getting my chagres back?

 

Should i call the above number and see what happens then?

 

I have filled in the form, but it baffles me why they dont actaully want to recieve the form, that they want me to call themselfs?

 

 

HEEELP PLEASE!

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Hi Poole,

 

It's fine to fill in and return the I/E form. You can also call them and discuss your situation, this is one of the few case's I would recommend you do this. There have been a few changes to the wavier which may help.

 

(19) from the date of this direction, the firm must ensure a fair, consistent and intelligent filtering of new complaints in order to identify relevant charges complaints from complainants who claim to be in financial difficulty and then assess whether that claim is justified. For the purposes of this direction, a complainant is considered to be in financial difficulty when his income is insufficient to cover reasonable living expenses and meet financial commitments as they become due;

 

(20) the firm must ensure that the standards in section 14 of the Banking Code guidance for subscribers, March 2008 version (‘the Code’), for dealing with customers in financial difficulty are complied with in respect of relevant charges complaints, in so far as they are relevant, even if the firm is not a subscriber of the Code or the Code is subsequently revoked, replaced or otherwise is no longer applicable. As a minimum, the FSA expects the firm to take the steps described in Annex 2 of this direction in dealing with a customer who claims to be in financial difficulty, including making an assessment of financial difficulty

 

Lets hope these changes help !!

 

Lex

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Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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To add to Mr Lex, you are selling yourself short since the clock stopped on limitations on 27th July 2007 so it is 6 years from that date so you have missed potentially 2 years of your money ;)

.

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

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Hi Poole,

 

It's fine to fill in and return the I/E form. You can also call them and discuss your situation, this is one of the few case's I would recommend you do this. There have been a few changes to the wavier which may help.

 

(19) from the date of this direction, the firm must ensure a fair, consistent and intelligent filtering of new complaints in order to identify relevant charges complaints from complainants who claim to be in financial difficulty and then assess whether that claim is justified. For the purposes of this direction, a complainant is considered to be in financial difficulty when his income is insufficient to cover reasonable living expenses and meet financial commitments as they become due;

 

(20) the firm must ensure that the standards in section 14 of the Banking Code guidance for subscribers, March 2008 version (‘the Code’), for dealing with customers in financial difficulty are complied with in respect of relevant charges complaints, in so far as they are relevant, even if the firm is not a subscriber of the Code or the Code is subsequently revoked, replaced or otherwise is no longer applicable. As a minimum, the FSA expects the firm to take the steps described in Annex 2 of this direction in dealing with a customer who claims to be in financial difficulty, including making an assessment of financial difficulty

 

Lets hope these changes help !!

 

Lex

 

Last time he waiver really changed was August 2008, Mr Lex(glad you read it this time :D)

 

Bit in bold is the one of about 2 amendments to wording(clearly anticipating when the banking Code may become obsolete later this year ;) ).

.

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

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Well spotted that man !! ;)

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HERE and use the search option for all your searches. CAG earns a few pennies every time !!!

 

Please don't rush, take time to read these:-

 

 

&

 

 

This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Well spotted that man !! ;)

 

I did a compare and contrast exercise a few days ago(for reference point 6 has changed slightly and there has been a little renumbering going on) ;)

 

I went through it with a very fine tooth comb(knit comb was out :D)

.

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

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Yourbank,

 

Have you seen this ???

 

http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_monthly_0790.pdf

 

Comes out on the 29 July.

 

I read the last version till my eyes bled, but didn't give the same regard as some. :)

Please help us to help you. Download the CAG tool bar for free

HERE and use the search option for all your searches. CAG earns a few pennies every time !!!

 

Please don't rush, take time to read these:-

 

 

&

 

 

This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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You really do not visit MSE do you? My signature on there was updated on the day it came out on their website(Wednesday I believe which was as I expected) and I think it is in effect from Monday 27th since the old one runs out on Sunday 26th.

.

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

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I need help again guys.

 

Its actually myself asking questions on behalf of my other half lol.

 

He called the number we were given, was passed through many people.

 

Did the I&E over the phone. They told us the finance for the car and the catalogues do not class as being in financial hardship even though we are struggling a hell of alot at the mo with paying those off. We dont have money for clothing at one point and with a baby we had to get clothing, so we got a catalogue, which is now £1200.

 

At the end of the conversation, they told us in the case of the above not being in the hardship criteria that we do not fit the financial hardshp criteria, so basically forget it.

 

Is this correct????

 

Also what is the test case all about in simple words? Whats the predicted outcome of this?

 

Thankyou in advance. Im very confused.

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I need help again guys.

 

Its actually myself asking questions on behalf of my other half lol.

 

He called the number we were given, was passed through many people.

 

Did the I&E over the phone. They told us the finance for the car and the catalogues do not class as being in financial hardship even though we are struggling a hell of alot at the mo with paying those off. We dont have money for clothing at one point and with a baby we had to get clothing, so we got a catalogue, which is now £1200.

 

At the end of the conversation, they told us in the case of the above not being in the hardship criteria that we do not fit the financial hardshp criteria, so basically forget it.

 

Is this correct????

 

Also what is the test case all about in simple words? Whats the predicted outcome of this?

 

Thankyou in advance. Im very confused.

 

Is the car finance on Hire Purchase? Surely the car is an essential for work.

"Hire purchase (HP) debt

 

Any debt should be seen as a priority if what you're buying on credit (or 'HP') is essential such as buying a car you need for getting to work."

From DWP site on priority debts

 

On the catalogues, I would agree cos that is a non priority debt but are there default charges on that catalogue(reclaim reclaim reclaim).

.

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

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What kind of letter can i put together to send to them?

 

We havent defaulted as yet on any of our debts but we are not far off.

 

Does this mean that we basically dont 'qualify' as we havent gone over anything as yet?

 

Even if we literally have no 'spare' money each month?

 

 

.Im reclaiming for charges plus interest being £4682.

Edited by poole535
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