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    • 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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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...
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PHIL and ALISON V MBNA


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Hi,

We sent off our S.A.R - (Subject Access Request) yesterday and eagerly await a reply. I reckon they owe us hundreds if not thousands from the last 6 years. Must admit do find this quite daunting and will probably need a lot of help.

 

Co-Op S.A.R - (Subject Access Request) sent 24/10/2006

MARBLES S.A.R - (Subject Access Request) sent 25/10/2006

MBNA S.A.R - (Subject Access Request) sent 25/10/2006

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I'm a few days in front of you on this one buddy and with co-op....so it will be interesting to see how we all get on...

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Co-op bank - won March 07

Virgin Credit Card - won - March 07

MBNA Credit Card - won March 07

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  • 2 weeks later...
  • 3 weeks later...

Statements have arrived 2 days before they said they would. Very impressed !! Now to see how much they owe us.

Whats

Retail interest ?

Cash advance interest?

access checks-special?

Retail interest?

Thanks for any help

Co-Op S.A.R - (Subject Access Request) sent 24/10/2006

LETTER ACKNOWLEDGED 2/11/2006.

MARBLES S.A.R - (Subject Access Request) sent 25/10/2006

MBNA S.A.R - (Subject Access Request) sent 25/10/2006

LETTER ACKNOWLEDGED 6/11/06

NORTHERN ROCK S.A.R sent 17/11/06

SEND AN EMAIL TO THE FINANCIAL OMBUDSMAN

[email protected]

 

PETITION THE PRIME MINISTER

We the undersigned petition the Prime Minister to Force the banks to repay unlawful bank charges and remove the six year time bar, forcing them to pay back everything from at least 1980.

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MBNA have enclosed details of 6 years' information free of charge as they have not treated our request as a full S.A.R - (Subject Access Request). Any ideas why this is? They have also credited the account with a goodwill payment of £130.00 on the basis that it is in full and final settlement, which, of course will be accepted as part-payment as it is not the full total. Does anyone have any ideas as to why they would do this with our SAR? Could it be that further back, we have a lot of charges they do not wish to disclose? I cannot remember when the account was actually opened.

Letter is signed by Stuart Johnson

Asst Vice President

 

Any advice would be gratefully received.

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Hi,

Been in contact with MBNA today after receiving statement information back to October 2000, my SAR not complied with. Asked for history back to card's onset in 1994, and have been told that this is impossible for them to do, as under the Data Protection Act they are only able to keep records for 6 years. Is this true, and if not, how do I "persuade" them give me this information? This is only half of my card's life history.

 

Any help gratefully accepted!

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Guest The Terminator

MBUSA seem to make up the rules as they go along,I was told it's only three years.If they can only keep information on you for six years under DPA then there is something difinitly wrong.And can anyone recommend a good spellchecker and I don't mean Bankfodder:D

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Asked for history back to card's onset in 1994, and have been told that this is impossible for them to do, as under the Data Protection Act they are only able to keep records for 6 years. Is this true, and if not, how do I "persuade" them give me this information?

 

Lies, lies, lies. They tried exactly the same trick with me but I wasn't having any of it.

 

Pursuasion and trying to reason with them simply dosen't work. I only got my set of full charges after speaking to Paul Miney, pointing out that he was wrong and telling him to check with higher powers. Told him that if I didn't hear from him that day to tell me all the charges would be forthcoming then I was driving past the Court later that day anyway and it would be no hassle to me to drop a claim form off to require their production.

 

I got a call saying that they could (surprise, surprise) comply with my request and that I would have the charges in 2 working days.

 

Still took another fortnight and another snotty phone call before I got them though!

 

P.

Northern Rock; S.A.R sent 11/8/06 - Delivered. Recieved details of 6 yrs charges on 8th. Wrote back asking whether or not they hold information going back further than that.

MBNA; S.A.R sent 11/8/06 - Delivered 14/8/06

Barclays; S.A.R - (Subject Access Request) request sent 11/8/06 - Del 14/8/06

Diners Club; S.A.R sent 11/8/06 - Delivered 14/8/06. Recieved form to fill and return with fee on 17/8/06. Sent form back, delivered 4/9/06.

Intelligent Finance; Prelim letter emailed 16/08/06, claiming £318. Email recieved from "Anne-Marie" 17/8/06 saying my email has been passed to Customer Relations dept. Fob-off letter received 23/8/06, letter sent in return same day - Delivered 24/8/6 Recieved letter offer 25% settelement - refused - LBA sent. MCOL on 10th revcieved notification that they intend to defend on 13th. 06/9/2006 WON!!!!!!

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It is my understanding that on submission of an S.A.R - (Subject Access Request), the company has to

supply you with everything they have on you, within the regulations of the S.A.R - (Subject Access Request) regardless of the Limitations Act. That being said, they do not have to retain information any longer

than is necessary. So if you had had an account with them for 10 years,

while they would not have to have kept your original bank statements,

things like your application form to open an account should not be destroyed.

 

As some time usually has elapsed before they respond to an sar, it

might be an idea to specify that the sar takes effect from the date of receipt, to prevent the company shredding info. that they have but

did not need to have been retained for so long.

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It may be helpful to think about what a bank or cc company does with your data.

 

When you open an account they will keep all data on that account until it is closed, Abbey we know have data going back to the early 1920s as an example.

 

This may sound extreme but all the time you have an account your file is open and why would they throw anything away?

 

I think you will find that business keep documents related to open accounts for as long as the contract is active because queries and questions always arise during the life of that contract.

 

For example my company keeps all records for at least 12 years post file closure since this is realted to our Public indemnity insurance. The obvousely means we keep some records substantially longer than 12 years.

 

When you close your account as far as I can tell there is nothing which tells the to keep data for a specific period. Considering the Limitations Act the period of 6 years would be reasonable for them to retain records but it isn't a requirement, at least under that Act.

 

Many people quote the 6 year inland revenue 'rule', when i spoke to the IR they told me its changed to 3 years.

 

I did a bit of a trawl though the web and didn't find anything definitive which set out the law in respect of record retention in respect of our account records

 

One of my contacts at the Information Commissioners Office said they expected a bank or cc company to hold your data for a further 6 years after the account was closed but couldn't substantiate that with a quote from an act but this is consistent with the idea that a customer could make a claim on the bank for up to 6 years post contract closure.

 

I would suggest that if your account has been open for ten years then all of your records, at least transactional data would be retained.

 

This is consist en with information that has been provided to CAG from Abbey customers and is in line with discussion I have had with the Information Commissioners Office.

 

Finally the Co-op told me they didn't have any data older than six years, i wrote to them and they confirmed this.

 

When i took them to court they sent me another three years worth of data meaning that i obtained data that was over nine years old.

 

My account has been closed for three or four years from memory.

 

Make your own mind up, if they wont provide it I would recommended issuing a small claim asking them to provide the info or enter into court a sworn statement as to why they cant provide the data.

 

If they have it they will find it rather than enter a lie knowingly into court, probably.

 

JMHO

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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I cant be certain, as I'm sure you will realise the comments above are based on my thoughts and the investigations and discussions i have been involved in.

 

If your account details were destroyed before the expiry of the six year period for claims under the limitation act I would be really surprised.

 

Consider it this way, if they destroyed your account data and you bought a claim within the six year period they would have no information to defend the claim with, whereas you may have the lot.

 

So on that basis alone it wold be reasonable for us to presume that they would keep ALL the account data for a period of six years post closure.

 

Its conjecture on my part that they keep all your data, but logically i cannot see it being destroyed piecemeal.

 

Another issue to consider where records are kept on fiche is that your records aren't kept in isolation.

 

As has been explained by both abbey and Barclaycard, the sheets of fiche hold numerous statements for a particular period and unless you make sufficient transactions to warrant 500 or so statements each month you'll find other peoples data on the same sheet as yours.

 

Consider how difficult and costly it would be to revise the fiche to remove certain peoples data and not others.

 

Of course the removal of records from electronic archives may not be as difficult but I believe that they would have your records for at least 6 years post account closure.

 

I cold of course be wrong on this, but as I think i said the Co-op gave me data that was over 9 years old and the oldest records were from computer printouts not fiche.

 

HTH

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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For example my company keeps all records for at least 12 years post file closure since this is realted to our Public indemnity insurance. The obvousely means we keep some records substantially longer than 12 years.

 

Interesting point. I was a shareholding director of a tobacco wholesale business up until June 2000. When we wound up the company we were amazed to discover that we (or someone at least) had to retain the insurance certificate for 40 years!!!

 

P.

Northern Rock; S.A.R sent 11/8/06 - Delivered. Recieved details of 6 yrs charges on 8th. Wrote back asking whether or not they hold information going back further than that.

MBNA; S.A.R sent 11/8/06 - Delivered 14/8/06

Barclays; S.A.R - (Subject Access Request) request sent 11/8/06 - Del 14/8/06

Diners Club; S.A.R sent 11/8/06 - Delivered 14/8/06. Recieved form to fill and return with fee on 17/8/06. Sent form back, delivered 4/9/06.

Intelligent Finance; Prelim letter emailed 16/08/06, claiming £318. Email recieved from "Anne-Marie" 17/8/06 saying my email has been passed to Customer Relations dept. Fob-off letter received 23/8/06, letter sent in return same day - Delivered 24/8/6 Recieved letter offer 25% settelement - refused - LBA sent. MCOL on 10th revcieved notification that they intend to defend on 13th. 06/9/2006 WON!!!!!!

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Preview Co-Op S.A.R - (Subject Access Request) sent 24/10/2006

LETTER ACKNOWLEDGED 2/11/2006.

MARBLES S.A.R - (Subject Access Request) sent 25/10/2006

MBNA S.A.R - (Subject Access Request) sent 25/10/2006

LETTER ACKNOWLEDGED 6/11/06

NORTHERN ROCK S.A.R sent 17/11/06

SEND AN EMAIL TO THE FINANCIAL OMBUDSMAN

[email protected]

 

PETITION THE PRIME MINISTER

We the undersigned petition the Prime Minister to Force the banks to repay unlawful bank charges and remove the six year time bar, forcing them to pay back everything from at least 1980.

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Received paperwork from MBNA for credit card account and it's just a list of transactions dates etc.There are no balances, no statements or anything, so I wouldn't be able to do spreadsheets without balances??.

Should I send them the £10 cheque back asking for statements and remind them to comply before original deadline of 08/12/06 ???

Thanks in advance for any help.

PETITION THE PRIME MINISTER

We the undersigned petition the Prime Minister to Force the banks to repay unlawful bank charges and remove the six year time bar, forcing them to pay back everything from at least 1980.

Please feel free to copy and paste link and send it to everyone you know asking them to sign up.

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Can anyone please tell me what the following are?,

NSF CHK CHARGE ASSESS

BILLED DEFERRED FIN CHARGE

BILLED FINANCE CHARGES

and

OTHER INTEREST

We accept Cash advance interest and retail interest but what is OTHER INTEREST? and can it be claimed back ?

Thanks

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Sorry to put this here, can,t get any answers in Mbna thread.

Would someone please check this letter for me.

Thank you

 

XXXXXXXX

XXXXXXXXX

XXXXX

 

 

27 November 2006

 

 

LETTER BEFORE ACTION

Section 7 – Data Protection Act 1998

 

 

MBNA EUROPE BANK LIMITED

CHESTER BUSINESS PARK

CHESTER

CH4 9FB

 

ACCOUNT XXXXXXXXXXXXXX

Dear Sirs

 

Re. your letter of the 20 November 2006, I am not satisfied that you have complied with my request and so return my cheque for the sum of £10.00 and a photocopy of my passport. I require from you a full Data Subject Access Request which you have failed to supply so far.

 

I have taken Legal Advice on this matter and have been told to ask for statements from the onset of my account to the present day, which under the said act, I know you must hold..

 

May I remind you that this information MUST be with me by 8 December 2006 or Court action will be taken to recover the required information.

 

I accept the offered £130.00 as part payment and fully intend to take the necessary action to recover the rest of monies owed to me. For your information, there was no attached form with the letter.

 

You have a further 11 days to comply.

 

Yours faithfully.

 

 

 

 

 

 

 

XX X XXXXXXXXXX

 

Enc

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