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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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home contents insurance claim on dropped laptop


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Hi guys and gals xx

 

Im not sure this is the right forum but here goes,

 

I was carrying my 4yr old laptop up the stairs last week and as my hands were a little sweaty i accidentely dropped it down the stairs and it bonced its way to the bottom, After i picked it up it dosnt look like anything has happened to it with no signs of damage, But when i try and switch it on there are lines on the screen and some very funnu noises coming from it, I took it to my local computer shop who took a look at it and advised me that the motherboard was damaged and was not worth repairing and sudgested i claim on my home contents insurance,

 

As this was a very expensive laptop and im not in the position at the moment to go and buy a new one i thought this was a sensible option and proceded to make a claim with axa insurance who ive been with for over 5yrs and have never had to make a claim,

 

Anyways, this is where it all goes pear shaped :( The guy i spoke to was polite and clear and asked me how i had dropped it to which i explained and then told me he would go and check my policy and get back to me in a few mins with more information, After a short time, less that 2 mins i was told that as i had been carrying the laptop up the stairs that i was not covered becouse they dont cover laptops in if there being carried while damaged WTF !!!!!

 

I explained to him that the whole idea of a laptop was that it was a portable computer and spends most of its life being carried, After 20 mins of getting nowhere with this guy being told the same thing over and over again i put the phone down in disgust,

 

here is the policy for my insurance and to what i can read and understand , Is that i should be covered, Im absolutely gutted at the moment and have had to borrow a laptop from a friend for work, I use my laptop every day for work and personal use and to be told that my insurance is useless in this matter is a serious blow for me,

 

If anyone thinks they can help then please do, Thanks

 

http://www.axani.co.uk/Download/AXA-home-insurance-flexible-summary.pdf

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Ok, I have read the full Axa policy document and Axa may be right. They do exclude accidental damage to portable entertainment if damage occurs while being transported, carried or moved. This exclusion is noted under Contents section 16 Entertainment Equipment.

 

Where you may be covered, if you have the section of cover under your policy. The section of cover is Section D, the extended cover for Personal Belongings and valuables. If you have that section of cover, I can't see that the claim would be excluded. If they say it is excluded, come back with their explanation.

 

When you arranged the policy, did you speak to someone at Axa ? If so did you mention that you needed to cover the laptop? I mention this, as if Axa have made a mistake in not arranging the cover to suit your needs, then you may have some comeback.

We could do with some help from you.

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hi and thanks for the reply :)

 

I arranged it with direct choice who arew brokers, and yes i asked for accidental damage to equipment, But what if axa say i aint got that in my cover, Can i blaim the broker direct choice??

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If you have not got the Section D cover to cover accidental damage to portable equipment e.g Laptop , start an official complaint with Direct Choice. Phone them and ask them for details of their complaints process, saying that you want an official complaint noted, just in case it is necessary to refer to the FOS.

 

When you arrange cover with a broker, they should have a standard set of questions to ask, to understand your needs in terms of the cover required. If you stated that you wanted accidental damage cover, they should have been aware of the exclusion that related to damage to laptops being moved in the home and recommended the optional Section D cover.

We could do with some help from you.

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Hi guys, Update xxx

 

My insurance company are now willing to pay out on damaged laptop but only if i provide proof that i bought the damm thing in the first palce.

 

Surely owning the laptop is my proof of purchase, Its not that im claiming for something that i cant provide like a diamond ring thats been stolen,

 

They are just repeating that i need to provide a reciept of some kind and the problem is that i just dont remember where i bought it from 4yrs ago, Online, store, ect ect, Ive phoned currys and comet where i think i bought it from but theres no way they can trace it without certian detials like date, payment details yada yada :(

 

Where do i stand in all of this, Its getting me down :( Its like im being treated like a criminal

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If you search the FOS articles on claims they have dealt with. They advise that owners manuals and other booklets obtained at the time of buying are acceptable proof. You don't have to provide a receipt or bank/credit card statement showing the purchase.

 

This is a sign of the times I am afraid. Basically you have to prove you are innocent, before they will pay out.

 

This is just one snippett from a claim the FOS looked at.

 

"We reminded the insurer that possession of a receipt was not the only means of establishing ownership. If Mr B was unable to ask his friend for the receipt – or for a copy of her credit card statement showing the purchase of the watch – he might be able to produce the guarantee or the box the watch had come in. Or he might have a photograph that clearly showed him wearing the watch. "

We could do with some help from you.

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Yes provided you can show ownership, then you should be ok.

 

I think what the Insurers are trying to avoid, is a situation where someone has got hold of an old laptop to make a claim against, so they can get a new replacement.

 

If Insurers are still being a pain, phone the FOS and see if they will intervene. According to many posts I have read, the FOS are increasingly willing to intervene with Insurers, to avoid people having to needlessly submit a formal complaint later on.

We could do with some help from you.

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I don't think AXA have a leg to stand on by asking for proof of ownership on an item that is there to be viewed.

The question of insurable interest only tends to come in to play when insured singular items i.e. car insurance.

You could be loaning/borrowing the laptop, and unless made very clear that all items must be owned by you, the policy would still grant you indemnity.

 

ok, so if you did buy a second hand laptop and claim new, if it is a new for old policy that's AXA's problem.

 

If it drags on anymore go to FOS.

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Also if they do accept my claim and the laptop is non repairable and offer me a replacement,

 

Can i choose a simular spec and keep the hp brand as i dont want to be stuck with some low end rubbish machine as i need it to last,

 

And like i said i paid nearly a grand for the machine i have now as i use it daily for work and cant afford for it to breakdown,

 

can someone tell me what the equivelent spec would be in todays laptops :)

 

This is the laptop that has been damaged

 

http://h10025.www1.hp.com/ewfrf/wc/document?lc=en&dlc=en&cc=us&docname=c00702111&product=3204931

Edited by andy8
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If Insurers offer to replace, they may put you in touch with their suppliers. They will have a book which will show the equivalent replacement model. I suspect that they will have HP as an option.

 

The way I think it works with most suppliers is that they look at where the model fitted in to the HP range i.e. low, mid, high, what the Laptops functions were, size of screen. They will then look to replace with the a model that is in the same range, with the same fuctions etc. They would do it this way, as obviously technology moves on. What would have been a middle range machine at the time of purchase would now be considered in terms of spec, a low end range machine.

 

If you mention that you use the laptop for business they will ask what it is used for. They could use this as a reason to delay the claim further. If the laptop was purchased purely for business and used away in an office, they will say it should have been Insured by the business.

We could do with some help from you.

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  • 3 weeks later...
can i also state that i want new and nothing refurbished? the people that are dealing with the suppliers of the claim are called bevalued, they sell alot of stuff on ebay so i dont want to end up with someone elses laptop

 

ebay eBay My World - bevalued

 

website BeValued

 

there's no way they can enforce a refurbished laptop on you if your policy is new for old.

 

Seems strange to me that they would even try to turn your claim down for dropping it whilst carrying in the first place -it's portable. whats the point of owning a laptop if you dont move around with it?

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It's pretty standard for home contents to exclude a portable computers from cover if carried. I'm not sure if it's an exclusion that needs to be brought to a consumers attention.

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  • 4 weeks later...
can i also state that i want new and nothing refurbished? the people that are dealing with the suppliers of the claim are called bevalued, they sell alot of stuff on ebay so i dont want to end up with someone elses laptop

 

ebay eBay My World - bevalued

 

website BeValued

 

 

Hi Andy,

 

I am in a similar situation to you. Can I ask how your claim was resolved? Were you offered a choice of replacements? Did you accept? If so what model did you receive and was it like-for-like?

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