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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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TESCO PPI Vs Cardholder Protection Plan


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Hi Gang,

 

My friend who I'm helping claim back their PPI from accounts that are statute barred or dealt with under a bankruptcy petition has had a letter back from Tesco saying and I quote "I can confirm that your account has not had a payment protection insurance added at any time", but clearly from the few statements that my friend has shown me, there are amounts debited with the description "Cardholder Protection Plan".

 

So the questions are:

 

What is "Cardholder Protection Plan"?

 

Is it the same as PPI?

 

Can it be claimed back in the same way?

 

My friend was self-employed at the time he had this card, does this type of cover benefit self-employed people?

 

Kind Regasrds

 

EOS-5D

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Hi

 

Cardholder Protection Plan is usually protection in the case of the loss or theft of the card and protects you from any false expenditure and covers you for new cards etc.

 

Does the amount vary according to the balance or is it the same amount at regular intervals?

 

ims

 

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Hi

 

Cardholder Protection Plan is usually protection in the case of the loss or theft of the card and protects you from any false expenditure and covers you for new cards etc.

 

Does the amount vary according to the balance or is it the same amount at regular intervals?

 

ims

 

Thank you for your swift reply. The amounts are on consecutive statements and the amount varies!!!!

 

Was this type of cover available to self-employed people of not, just like PPI

 

Kind Regards

 

EOS-5D

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Yes, Card Protection Cover is valid for anyone.

 

However, it is usually a fixed amount.

 

In your case I am suspicious of their terminology.

 

If there is a payment on each statement and the amount varies it looks like it could be PPI in disguise. A monthly PPI premium would vary because it is based on the outstanding balance of the card month by month. The higher the balance, the higher the premium for the month. If the balance goes down then so does the PPI premium. There is no PPI charged for any month where the balance is zero.

 

ims

 

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Yes, Card Protection Cover is valid for anyone.

 

However, it is usually a fixed amount.

 

In your case I am suspicious of their terminology.

 

If there is a payment on each statement and the amount varies it looks like it could be PPI in disguise. A monthly PPI premium would vary because it is based on the outstanding balance of the card month by month. The higher the balance, the higher the premium for the month. If the balance goes down then so does the PPI premium. There is no PPI charged for any month where the balance is zero.

 

ims

 

Again thank you for your swift reply. I'll draft a letter for my friend to send off and suggest that they request a copy of the terms for the policy or maybe even do a SAR

 

Kind Regards

 

EOS-5D

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i think you'l find this is CPP [use our search top right]

 

it was 'automactially' added when you phoned them to 'activate' the card

 

lots of good threads on it here.

 

it has already been decided that this 'tactic' was 'rouse'

 

what you actually did when you phoned up, was to be spoofed into signing up for CPP..

NOT activating the card...they were very cleaverly worded stickers across the card.

 

follow the advise on the CPP threads.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 4 weeks later...

does anyone else have an opinion or any experience in tackling Tesco about their "cardholder protection" which appears on monthly credit card statements every month and varying amounts, depending on the balance. Isn't this just PPI dressed up as something else??

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yes

treat as ppi

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 1 month later...

Hello Again All,

 

OK,

 

my friend received the SAR back from Tesco this morning, which has revealed something quite interesting.

 

In the Agreement, which was an online application from late 2007,

there is a box with the heading TESCO PAYMENT PROTECTION INSURANCE,

and within that box there is a tick where it says customer signature and also a date.

 

The interesting thing is that at the top of this thread, you can see that my friend has already sent Tesco a letter requesting a refund for PPI

to which they said there wasn't any PPI on his account.

 

As we know from his Tesco card statements, there were debits every month (of varied amounts, depending on account balance)

under the heading CARHOLDER PROTECTON PLAN.

 

Therefore, where does my friend stand??

 

He has signed for a PPI policy on his application (whilst being self employed)

BUT no where in the agreement is there a mention that he has signed up for a CPP.

Have Tesco cocked up??

 

and what would be his next angle of attack?

 

your comments will be gratefully received

 

Kind Regards

 

EOS-5D

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Many thanks for your very swift reply.

 

No, this is another issue. The SAR was incomplete. My friend was made bankrupt in Feb 2010 and Tesco has only sent statements from March 2010 up to this month. I dont know why theyve done that as surely because of the bankruptcy the account should have been closed down in Feb 2010 with no further statements being issued.

 

KR EOS-5D

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did he have to phone and 'actvate' the card

w there a 'sticker' on it when he ot it - telling him so?

 

just thinkign out load this is the CPP company at work.

 

Unless tesco PPI is called CPP

 

you'll have to look at other tesco threads

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi Dx, thx for the reply.

 

He's here with me now, with his paperwork and post. Ive asked him and he says that as far as he can remember, he had to call to activate the card but he thinks it was an automated system.

 

KR EOS-5D

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there is a CPP forum

 

what i'm thnking is this is CPP the card protection lot

and tesco dont call there PPI CPP?

 

just musings/

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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there is a CPP forum

 

what i'm thnking is this is CPP the card protection lot

and tesco dont call there PPI CPP?

 

just musings/

 

dx

 

Again, thx for the reply.

 

It clearly says on his agreement TESCO PAYMENT PROTECTION INSURANCE

and on his statements TESCO CARDHOLDER PROTECTION PLAN.

 

Surely, if he's paying for either one of those things he should have "signed" for it in the agreement and the corresponding item should appear correctly on the statement.

 

Cheers

 

EOS-5D

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hehe

you place to much faith i the banking system.

 

they were ll out to fleece anyone as much as they could.

 

i'd get a claim in.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 month later...

Hello Gang,

 

My friend has had a reply back from Tesco regarding his PPI complaint. They have upheld the complaint but want to offset the amount against an "outstanding" balance. He was declared bankrupt and discharged during 2010 and the tesco card in question was apart of the bankruptcy proceedings.

 

Our question is; Can they offset the PPI claim money against an outstanding balance that was part of a bankruptcy petition?

 

As always, any comments are gratefully received

 

Kind Rregards

 

EOS 5D

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  • 3 weeks later...

Thank you ims, but what about if the bank/institution wants to offset the money against the outstanding balance before the bankruptcy order. Would i be correct to assume that the PPI refund would now belong to the trustee?

 

Kind regards

 

EOS-5D

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