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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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    • 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.

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alvabay
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Sent off my claim for £1053 plus £161 interest last week. Received the standard fob off letter this morning.

 

I am now sending another letter demanding payment within 7 days or court proceedings will commence.

 

Does anyone have an opinion on whether it's worth claiming compensation for stress caused, etc. If so, are there any guidelines on how to work out a realistic figure?

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Welcome and good luck with your claim.

 

From what I have read on other threads if you want to claim for distress etc. you need to provide letters from doctors and list time taken off work due to the stress that the actions of the bank have caused.

 

i know it's caused me a lot of distress and I'm sure it's caused others even more; but I'll be happy getting MY money back from them.

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Yeah, I don't suppose a compensation claim would be easy. However, to contest one, the bank would have to go to court and, as we all know, they don't want to do this. So if the compensation claim is reasonable, surely they will pay it to avoid appearing in court.

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  • 1 month later...

Having looked through the site, I am clear on everything except what interest I can claim back.

 

As I understand it, the only interest I can get back is 8% of the illegal charges, which is done when I file a claim with the court.

 

So, the procedure is as follows:

 

1) Initial letter claiming back the total amount that was illegally taken (but not including interest).

 

2) A second letter in response to their 'get lost' reply, saying I will take them to court in 14 days if they refuse to pay up.

 

3) When the 14 days is up, I file a claim with the courts, at which stage I add the 8% interest.

 

4) They pay up after stalling as long as possible.

 

Can someone confirm that I have got this right.

 

Thanks

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Yup, spot on.

 

The only exception, which some people are trying (or talking about trying) is where 100% of the overdraft interest accrued was as a result of the charges. It's so hard to work out, unless you are a maths guru, that the majority of people aren't even trying to work that one out!

 

Good luck!

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HFC: Settled - £800

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Egg: Settled - £700

Mint: Settled - £1200

RBS: Settled - £850

 

The opionions in this post are guaranteed to conform to the laws of physics, but pretty much nothing else...

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No probs.

 

illegal charges

 

Actually, being a bit pedantic I know, but they aren't illegal - just unlawful. There is a small but subtle difference.

A&L: Settled - £6,200

HFC: Settled - £800

Shell Visa: Settled - £250

Egg: Settled - £700

Mint: Settled - £1200

RBS: Settled - £850

 

The opionions in this post are guaranteed to conform to the laws of physics, but pretty much nothing else...

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Don't use that tone of voice on me young man/lady!

 

I do say so...

 

:)

A&L: Settled - £6,200

HFC: Settled - £800

Shell Visa: Settled - £250

Egg: Settled - £700

Mint: Settled - £1200

RBS: Settled - £850

 

The opionions in this post are guaranteed to conform to the laws of physics, but pretty much nothing else...

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is where 100% of the overdraft interest accrued was as a result of the charges. It's so hard to work out, unless you are a maths guru

Sorry to be pedantic :D, but this is not strictly accurate. There are 2 spreadsheets in the library, one calculating 8% on the charges, and the other calculates the proportion of overdraft interest that relates to charges, and is quite easy to use. The proportion of overdraft interest relating to the charges is, I believe, what is generally being used by those claiming interest. This has increased one of my claims by £185, which I feel is only fair that I claim as I shouldn't have paid it in the first place.

 

It us up to you if you want to claim it or not.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Caro - In fairness, despite the spreadsheet from Vampiress - it's still a bloody minefield! I took one look at what was needed and fainted from brain freeze! Though I admit, that's because of the added complication of an eternally varying overdraft and the throughput on the account coupled with the number of charges. I wouldn't mind the extra couple of hundred quid, but not if it takes me six years to work it out! :-)

A&L: Settled - £6,200

HFC: Settled - £800

Shell Visa: Settled - £250

Egg: Settled - £700

Mint: Settled - £1200

RBS: Settled - £850

 

The opionions in this post are guaranteed to conform to the laws of physics, but pretty much nothing else...

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The choice is yours, but I found the spreadsheet quite simpe to use. Then again I use excel all day every day at work so I am used to working with it, but it really isn't that bad to use. Vampiress has done the hard work so we don't have to.

 

I just wanted alvabay to be aware of the options available.:)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thanks CARO - you've answered my question. I thought that I must be able to claim back the interest the b.....d's have charged me as well as the capital. If that's the case though, whats the 8% for?

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I've given up!

 

Caro?

A&L: Settled - £6,200

HFC: Settled - £800

Shell Visa: Settled - £250

Egg: Settled - £700

Mint: Settled - £1200

RBS: Settled - £850

 

The opionions in this post are guaranteed to conform to the laws of physics, but pretty much nothing else...

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I've given up!

 

Caro?

 

lol Oh no what a responsibility. When and only when you have reach the Moneyclaim stage you can add on an additional 8% to your claim, backdated to the date the charge was taken from your account. This is on top of the overdraft interest and is the standard Moneyclaim rate (I believe).

 

fivelaws is absolutely right, it is a minefield and lots of people don't bother with interest. The answers I have given you are based on my extremely limited understanding. If you wanted to delve further into this minefield there are a few threads with lots of debate and speculation by much more knowledgeable people than me, but what I have told you are the basic tried and tested methods as I understand them.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I think that you'll find that you cannot claim both sets of interest... It's one or the other... Either the interest they have charged or the 8% but not both... Although I may be wrong...

 

As Caro suggested have a look round as there is plenty of discussion on this... And ATEOTD it's you that is claiming and you need to be confident for yourself...

If you have found this post (or any other post) useful ensure you click on the scales in the top right of that post to give credit where credit is due.:D

 

DO YOU HAVE A WEBSITE AND WANT TO PROVIDE A VALUABLE LINK TO THIS FORUM ? Go to this thread:-http://www.consumeractiongroup.co.uk/forum/showthread.php?p=52854

 

As ever, with (I believe most if not) all advice given on this website, I am not qualified to give any advice and you are duly warned that any decisions are your own decisions made on your own account and no liability will be accepted for any advice followed ! Use your own judgment.

Seek advice of a qualified, insured, professional if you have any doubts.

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I think that you'll find that you cannot claim both sets of interest... It's one or the other... Either the interest they have charged or the 8% but not both... Although I may be wrong...

 

As Caro suggested have a look round as there is plenty of discussion on this... And ATEOTD it's you that is claiming and you need to be confident for yourself...

 

I beg to differ, at the moneyclaim stage you can claim both, but you are right, you need to be confident that you are doing the right thing for yourself. It is on your terms. It has taken a lot of reading on this site to get to the stage that I am confident in what I say, but read my signature.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I beg to differ

 

FIGHT! FIGHT! FIGHT!

 

:)

A&L: Settled - £6,200

HFC: Settled - £800

Shell Visa: Settled - £250

Egg: Settled - £700

Mint: Settled - £1200

RBS: Settled - £850

 

The opionions in this post are guaranteed to conform to the laws of physics, but pretty much nothing else...

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No

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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MODERATED

All threads joined - please keep to the one thread when updating , thanks

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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Hi folks, I heard my name mentioned. Oh my, we are in a pickle.:D

 

Here's my two penny's worth...

 

The bank took penalty charges from you unlawfully.

The bank charged you interest.

Some of the interest is on your overdraft, some is on the penalty charges.

If you weren't charged the penalty charges, the interest charged would be less.

My spreadsheet apportions the inerest you have been charged between the overdraft and the cumulative penalties charged to that date.

All you need is the figures for penalties, interest, account balance, and dates. Details of which are in the notes in the spreadsheet.

 

It's not so complicated once you take a good look.

I have a Works version of it too if anyone wants to PM me with a request for it.

 

Hope this helps.

Vamp. x

[

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  • 6 months later...

Good luck alvabay!!! Not that you'll really need luck, just a bit of patience.;)

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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  • 12 years later...

This topic was closed on 2019-03-08.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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