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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?    
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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.              
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Afternoon all,

 

I was wondering if someone can offer a bit of advice.

 

My partner has recently contacted all her direct debit companies to inform them of change of date for being payed. Whilst going through the list she discovered that she's been paying £14 - £18 a month for what we believe to be PPI since 1996. She did take out the policy, but the mortgage in question was settled in 2000!

 

The company in question are sending through details of the policy but I wondered where she stands, as shes been paying for something that was settled 13yrs ago!

 

Its her fault no doubt about that, but if anyone can offer any advice that would be most welcome.

 

Thanks in advance.

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She can apply for a refund back as far as there are accounts records. This company may not have records going back to 2000, but if it is the same amount going out every month, then it is easy to work out the refund.

 

Make a complaint and follow the normal PPI claim back guidelines.

 

http://www.consumerwiki.co.uk/index.php/PPI

 

If the PPI was related to the mortgage only and not related to her general financial exposure, then it should have been cancelled at the same time the mortgage finished.

 

My only slight question is whether the PPI was arranged separately or whether the mortgage advisor arranged it. I can see this company turning around saying that it was your partners responsibilty to cancel if it was totally separate to the mortgage arrangement.

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Hi

Only just come back to the Consumer Action Group after being of the radar for the last 3 years. (Joined June 2005)

I have had a claim in with the FOS for the last 18 months having paid PPI on a loan upfront which was not required. (Long Story)

however, have been helping friends and family with claims, so Iv learnt quite a lot!

 

Which company was the PPI with? Who was the original loan with?

Can you post up more details ie How long was the policy for? how long was the insurance cover for? etc

And NO it's not anyone's fault, these Companies deliberately mislead us ALL

 

Can you give me more information

 

Lynn

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Thanks for you advice.

 

The original mortgage was with Alliance and Leicester, and insurance was taken out as part of that deal with Cardiff Pinnacle, possibly just Pinnacle insurance in those days, all dealt with in the branch.

 

Can't recall any more information sadly.

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Good Morning

 

I sent a SAR to Cardiff Pinnacle & to the loan Company, I think this would be a good way to start, if you haven't got any statements (£10 required for the information)

Or follow procedure above http://www.consumerwiki.co.uk/index.php/PPI

hope this helps

Start the ball rolling now you have nothing to loose!

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I think first then I would give them a call and tell them the situation. If they say your insurance was with Cardiff Pinnacle tell them the situation and ask for a refund.

Then put it in writing a explain you have spoken over the phone and you are confirming the conversation in writing, tell them in the letter that you are still paying for it now and you are claiming a refund.

If you know how much you have overpaid, total it up and add the interest that was originally applied to the Mortgage.(should be a nice little sum):wink:

Similar happened to us, we paid back loan early, and Cardiff Pinnacle didn't notify us that we were entitled to a proportion back. When I wrote to them they had no PPI contract for us. GE told us that the Insurance was with them. Anyway now with Financial Ombudsman(over 18mnths now)

Cardiff Pinnacle say they don't know us, it turns out that the Insurance may be with General Insurance or Aviva, its a nightmare!!!!:pout:

 

All my paperwork shows the Insurance was with Cardiff Pinnacle, I think there is a cover up going on somewhere.

Make the phone call and first find out if you are actually with them.

Lynn

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Had a reply from Cardiff Pinnacle which basically says its our fault:

 

I can confirm that this policy is portable, meaning you would still be covered under this policy as long as you have a mortgage in place whether this is still with Alliance and Leicester or not. Please also be advised that we are a separate department from the mortgage department we are not advised when a mortgage redeems and it is your responsibilty to ensure the cover you have is correct.

 

Not really sure what to do now....

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Had a reply from Cardiff Pinnacle which basically says its our fault:

 

I can confirm that this policy is portable, meaning you would still be covered under this policy as long as you have a mortgage in place whether this is still with Alliance and Leicester or not. Please also be advised that we are a separate department from the mortgage department we are not advised when a mortgage redeems and it is your responsibilty to ensure the cover you have is correct.

 

Not really sure what to do now....

 

"Covered by this policy as long as you have a mortgage in place"

 

No mortgage in place so no cover. If they're not covering anything there is no risk and the money you have been paying was for risk.

 

As the policy is or was recently still live then your SAR should ge t you a copy of the original policy terms to check for any term relating to the need of you notyfying them of the redemption.

PUTTING IT IN WRITING & KEEPING COPIES IS A MUST FOR SUCCESS

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  • 4 weeks later...

Had a reply from Cardiff Pinnacle this morning:

 

Basically what they're saying is that the policy is 'portable' and does not automatically end when the mortgage is finished. The policy remains in force because we haven't informed them we wanted the policy camcelled.They also say that the company has been collecting the payment since 1997 and our bank statements would have said 'Pinnacle insurance' (This is incorrect, it actually says allis pins col)

 

They go on to say previous cases with the financial ombudsman service say they consider a reasonable amount of time for customers to be aware of a direct debit would be 2 years and we should have been fully aware the money was being collected by Pinnacle insurance.

 

Ummmm, still waiting for the subject access request to be actioned.

 

I have to say the letter isn't a standard reply, but its put together extremely poorly in my opinion, not sure what to do from here, thinking time required as we do admit its partially our fault for paying the darn thing for so long!

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They are right to point out that it was your responsibility, however you have been paying for a product which offered no cover as there was nothing to protect. They should be ( upon receipt of evidence to show there is no mortgage on the property) be offering a reimbursement less any applicable admin fees. But then I'm no ombudsman.

Do know the FOS really dislike firms telling customers that the FOS will do this or that.

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Speaking to a few people most have NEVER had to inform a mortgage protection company that the mortgage has eneded and moved elsewhere, has anyone else had to tell the insurance company seperate?

 

So you have a mortgage with Halifax, move to Barclays and its up to you to tell halifax insurance to stop? its always done automatically isn't it?

 

Not related here, but got a few looking over bank statements at work currently!

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