Jump to content


  • Tweets

  • Posts

    • 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.
  • Recommended Topics

  • 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
  • Recommended Topics

Student charges...... help needed!


sophinoey
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5363 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hey!

 

I have a student account [postgrad] and I have just been killed constantly with charges all year...... this last lot was the final straw!

Can they do this to me? Can I claim any back? Are they legal?

 

I have NO knowlegde on banks, charges etc......... and need a little help!

 

Thanks for all your time and help.

 

My statement is below.

 

My arranged overdraft is £2k

 

24 Jul 2009 INT 05JUL A/C xxxxx - 26.21 -£2,016.20

24 Jul 2009 CHG 03JUL A/C xxxxx - 28.00 -£2,044.20

24 Jul 2009 CHG UNPAID ITEM FEE , 03JUL A/C xxxxx - 38.00 -£2,082.20

24 Jul 2009 CHG GTEE CARD PYMT FEE, 03JUL A/C xx - 70.00 -£2,152.20

Link to post
Share on other sites

Hey!

 

I have a student account [postgrad] and I have just been killed constantly with charges all year...... this last lot was the final straw!

Can they do this to me? Can I claim any back? Are they legal?

 

I have NO knowlegde on banks, charges etc......... and need a little help!

 

Thanks for all your time and help.

 

My statement is below.

 

My arranged overdraft is £2k

 

24 Jul 2009 INT 05JUL A/C xxxxx - 26.21 -£2,016.20

24 Jul 2009 CHG 03JUL A/C xxxxx - 28.00 -£2,044.20

24 Jul 2009 CHG UNPAID ITEM FEE , 03JUL A/C xxxxx - 38.00 -£2,082.20

24 Jul 2009 CHG GTEE CARD PYMT FEE, 03JUL A/C xx - 70.00 -£2,152.20

 

 

How come you don't have a student/graduate account?

.

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

Link to post
Share on other sites

Well the list you have there are Maintenance charges(you don't get those if you have a student account) and Guaranteed Card Payment fees(you don't get those if you have a student account).

EDIT: the unpaid fee is one that you can get on a student account so that one is a valid on so to speak.

 

Can you give NatWest a call and ask them to confirm the status of your account?

 

Did you change courses during you uni degree?

Did you make natwest aware that you were doing a postgrad so that they will extend the terms on the student account since you are still studying?

 

I worked in student banking branch for 8 years up until February this year so there is a problem with your account if you have those charges on the account.

.

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

Link to post
Share on other sites

Thanks for that reply, I am going to give them a ring on Monday.

 

Just a quick question, I have just graduated ie/ 2 weeks ago, but do not have current employment until Spet [teaching]. Is it possible they have changed the status of my account?

 

Also, if I have had charges earlier on during the year to similar effect, can I claim back on them?

 

Many thanks

Link to post
Share on other sites

Thanks for that reply, I am going to give them a ring on Monday.

 

Just a quick question, I have just graduated ie/ 2 weeks ago, but do not have current employment until Spet [teaching]. Is it possible they have changed the status of my account?

 

Also, if I have had charges earlier on during the year to similar effect, can I claim back on them?

 

Many thanks

 

You have got to find out what happened to the student status of the account. If you had charges earlier than that and they were either maintenance charges or guaranteed card payment charges then you will need to look at whether the bank made an error. If the totality of the charges are more than the DD going out then you have a case for a refund. You are getting interest charged as well(you shouldn't if it is a student account so I think you may have a case for either bank error or maladministration of your account and therefore a full refund of CHARGES PLUS INTEREST incl. Unpaid items).

If you have internet banking please have a look back on your account for charges and interest.

.

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

Link to post
Share on other sites

Many thanks.

 

I have just spoken with the bank and they have informed me that my account was never changed to student/graduate. She therefore advised me to speak to my local branch about refunding the bank charges.

 

I can't believe i hadn't noticed the status of my account before!

 

Thanks for all your help!

Link to post
Share on other sites

Many thanks.

 

I have just spoken with the bank and they have informed me that my account was never changed to student/graduate. She therefore advised me to speak to my local branch about refunding the bank charges.

 

I can't believe i hadn't noticed the status of my account before!

 

Thanks for all your help!

 

Charges AND interest....remember up to £2000 it would have been interest free and would be for you up until next year ;)

.

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

Link to post
Share on other sites

  • 3 weeks later...

Hiya!

 

Just a follow up post..... I spoke to my branch and they said that the charges were all justified and that my account was a student/graduate one.

 

They said I wasn't entitled to any refund...... I am very confused as have had some advice from Natwest via the phone saying that I could claim back some fo the charges and interest, and they also said I didn't have a student acc!

 

Very strange.....Finding it hard to understand what they are saying to me now as it is all in bankers lingo/jargon!

 

Any help would be appreciated.

Link to post
Share on other sites

Many thanks.

 

I have just spoken with the bank and they have informed me that my account was never changed to student/graduate. She therefore advised me to speak to my local branch about refunding the bank charges.

 

I can't believe i hadn't noticed the status of my account before!

 

Thanks for all your help!

 

This is the key to the refund, WHY was it not changed to a student/graduate account?

Once you know the reason why then I can tell you how we are going to get natwest to repay the charges.

.

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

Link to post
Share on other sites

Hiya!

 

Just a follow up post..... I spoke to my branch and they said that the charges were all justified and that my account was a student/graduate one.

They said I wasn't entitled to any refund...... I am very confused as have had some advice from Natwest via the phone saying that I could claim back some fo the charges and interest, and they also said I didn't have a student acc!

 

Very strange.....Finding it hard to understand what they are saying to me now as it is all in bankers lingo/jargon!

 

Any help would be appreciated.

 

Marvellous, can you ask the manager to write to you quoting when your account became a student account?

 

Then write back with this: in NatWest's fees brochure it quotes the fees and adds a note to this;

 

Note that the Maintenance Charge, Guaranteed Card Payment Fee and Paid Referral Fee do not apply to Student and Graduate Accounts.

.

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

Link to post
Share on other sites

Apparently it was changed to a student/grad account and that the lady on the phone got it wrong....?!

 

I kept asking my branch why the lady on the phone told me it was not a student account.... they just said 'it must have been an error'

Link to post
Share on other sites

When I queried this at the bank.... they said that all those charges do apply and that it was just the interest that didn't......

 

I know that my bank became a student account in Aug 2008.

 

Ask the bank to confirm WHEN the account became a student/grad account.

If it was August 2008 then those charges HAVE to be refunded.

.

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

Link to post
Share on other sites

Hey!

 

I have a student account [postgrad] and I have just been killed constantly with charges all year...... this last lot was the final straw!

Can they do this to me? Can I claim any back? Are they legal?

 

I have NO knowlegde on banks, charges etc......... and need a little help!

 

Thanks for all your time and help.

 

My statement is below.

 

My arranged overdraft is £2k

 

24 Jul 2009 INT 05JUL A/C xxxxx - 26.21 -£2,016.20The bank have admitted this should not have gone out so is there more interest?

24 Jul 2009 CHG 03JUL A/C xxxxx - 28.00 -£2,044.20student/grad accounts cannot be charged this

24 Jul 2009 CHG UNPAID ITEM FEE , 03JUL A/C xxxxx - 38.00 -£2,082.20

24 Jul 2009 CHG GTEE CARD PYMT FEE, 03JUL A/C xx - 70.00 -£2,152.20Student/grad account cannot be charges this

 

So far, I have £124.21 to be refunded. Is there any other interest charges?(cos that might dictate the UNPAID item fee which is the only legit-though still reclaimable through the normal methods)

.

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

Link to post
Share on other sites

I saw on the screen it was August 2008.

 

I will write a letter to my bank manager to confirm and will add in the note that you were kind enough to post.

 

Many thanks!

Right, if you have internet banking then look back through it for interest charges, ok? Add them up to the point that you got the Direct Debit returned. Remember it should be interest free so if the interest was higher at the point the DD went out then you are due Refund of ALL CHARGES and ALL INTEREST.

Make sense ;) ?

.

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

Link to post
Share on other sites

we kinda cross posted. Now I would say that it cost you £38.00 inconvenience and worry about the effect that this natwest error would have on your credit rating, right ;) ?

so I make that £150.00 ish refund :D

.

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

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...