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    • 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.              
    • 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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Delboy against The Woolwich


Delboy01
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OK Around 15th September, unhappy with the charges on my account I asked for Customer Services to send the complete list of charges on my account.

 

I have included every single charge on the sheet UC RC QC OD DC and Information Commissioner, hopefully I am correct in including everything and that there are not things I should include in my figure, could someone tell me if I am right in doing so?

 

OK the Total Amount of Charges on my account since opened is £xxxx.xx

At the moment I have decided not to go anywhere near claiming the interest on these charges.

 

The letter from Cust Relations says If we do not hear from etc in 8 wks of this letter I will close my complaint file in acc.

 

Do I ring them up and say "hang on with closing the file I am considering claiming back the charges with the help of CAG"

 

Or open a parachute account monday and the send the first letter?

 

Much appreciated for your help in advance

 

Delboy01

www.bellyup4blues.com Just Go There !!!

 

Woolwich Prelim Sent 5.12.2006 !!!

S.A.R - (Subject Access Request) sent 22.12.2006 (yeah I know)

16.1.2007 £1000 offer rejected

LBA sent 31.1.2007

N1 presented to Court 15.2.2007

Won / Settled 2 days before court date

£5200 plus int charges returned.

 

All and Leics S.A.R - (Subject Access Request) sent 22.12.2006

2nd S.A.R - (Subject Access Request) sent 15.1.2007

Statements received

Prelim sent 31.1.2007

LBA Sent 15.2.2007

Won £1500 on receiving court date..

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stick to the timetable

dpa request

prelim

lba

court

-----------------------------------------------

Mortgage Express charges- settled in full after issuing claim

 

------------------------------------------------

To view the FAQ'S click here: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

To view the PRELIM letter click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

To view the Letter Before Action click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

To find Registered Address:

http://www.esd.informationcommissioner.gov.uk/esd/search.asp

 

 

If my advise helps click here http://www.consumeractiongroup.co.uk/forum/reputation.php?p=366404

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Ta Nathal, But my bank charges wernt sent to me as a result of a Data Protection Act request

I rang in to complain and requested a list of all charges. At that moment in time I wasnt going for or aware of the CAG and its procedure...

 

Are you Saying I should forget the letter from the Customer Services but instead go thro the full process??

 

Many Thanks

www.bellyup4blues.com Just Go There !!!

 

Woolwich Prelim Sent 5.12.2006 !!!

S.A.R - (Subject Access Request) sent 22.12.2006 (yeah I know)

16.1.2007 £1000 offer rejected

LBA sent 31.1.2007

N1 presented to Court 15.2.2007

Won / Settled 2 days before court date

£5200 plus int charges returned.

 

All and Leics S.A.R - (Subject Access Request) sent 22.12.2006

2nd S.A.R - (Subject Access Request) sent 15.1.2007

Statements received

Prelim sent 31.1.2007

LBA Sent 15.2.2007

Won £1500 on receiving court date..

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just start with your prelim with the schedule attached

 

ignore their letter

-----------------------------------------------

Mortgage Express charges- settled in full after issuing claim

 

------------------------------------------------

To view the FAQ'S click here: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

To view the PRELIM letter click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

To view the Letter Before Action click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

To find Registered Address:

http://www.esd.informationcommissioner.gov.uk/esd/search.asp

 

 

If my advise helps click here http://www.consumeractiongroup.co.uk/forum/reputation.php?p=366404

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I need to be very sure on TWO points

 

1. I have totalled ALL CHARGES that were Applied since 2002, There are not any charges that I cannot claim for is there?

 

2. I am not going to charge interest on these charges as I find the Spreadsheets a bit scary and so cant be bothered.

 

So my claim:-

 

What I require

I calculate that you have taken £9999.99

I enclose a schedule of the charges which I am claiming with this letter

www.bellyup4blues.com Just Go There !!!

 

Woolwich Prelim Sent 5.12.2006 !!!

S.A.R - (Subject Access Request) sent 22.12.2006 (yeah I know)

16.1.2007 £1000 offer rejected

LBA sent 31.1.2007

N1 presented to Court 15.2.2007

Won / Settled 2 days before court date

£5200 plus int charges returned.

 

All and Leics S.A.R - (Subject Access Request) sent 22.12.2006

2nd S.A.R - (Subject Access Request) sent 15.1.2007

Statements received

Prelim sent 31.1.2007

LBA Sent 15.2.2007

Won £1500 on receiving court date..

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Guest Mumofthreeboys

All charges are reclaimable and the matter of interest is up to you, probably wouldn't amount to much anyway. Go for it.

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Thankyou Mum:)

 

I shall open a parachute account monday and send the letter off the same day.

www.bellyup4blues.com Just Go There !!!

 

Woolwich Prelim Sent 5.12.2006 !!!

S.A.R - (Subject Access Request) sent 22.12.2006 (yeah I know)

16.1.2007 £1000 offer rejected

LBA sent 31.1.2007

N1 presented to Court 15.2.2007

Won / Settled 2 days before court date

£5200 plus int charges returned.

 

All and Leics S.A.R - (Subject Access Request) sent 22.12.2006

2nd S.A.R - (Subject Access Request) sent 15.1.2007

Statements received

Prelim sent 31.1.2007

LBA Sent 15.2.2007

Won £1500 on receiving court date..

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  • 4 weeks later...

Ok a little bit later than prev mentioned,,,,,,,,,,

 

Applied for a Nationwide Flex account over the phone .....Declined :(

 

Today applied for a Nat West Step Account, over the phone and OKd !!!!

 

I asked "have you done all the credit checks?" and she replied yes! just sign forms and send back, as well as take some ID and a bill into a local branch.. Is this the norm? I was expecting more grief.

www.bellyup4blues.com Just Go There !!!

 

Woolwich Prelim Sent 5.12.2006 !!!

S.A.R - (Subject Access Request) sent 22.12.2006 (yeah I know)

16.1.2007 £1000 offer rejected

LBA sent 31.1.2007

N1 presented to Court 15.2.2007

Won / Settled 2 days before court date

£5200 plus int charges returned.

 

All and Leics S.A.R - (Subject Access Request) sent 22.12.2006

2nd S.A.R - (Subject Access Request) sent 15.1.2007

Statements received

Prelim sent 31.1.2007

LBA Sent 15.2.2007

Won £1500 on receiving court date..

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Hi Del

if thats all they require to open an account and they are satisfied with their checks on you, get down there with your ID and get your new account open and stick your prlim letter in the post (Registered). the quicker you get going the sooner you will get your money back.;)

al.

-------------------------

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

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Hi Del

if thats all they require to open an account and they are satisfied with their checks on you, get down there with your ID and get your new account open and stick your prlim letter in the post (Registered). the quicker you get going the sooner you will get your money back.;)

al.

 

 

Thnx AL, been keeping an eye on your progess over last couple of weeks

 

Does my prim have to be (registered) tho

www.bellyup4blues.com Just Go There !!!

 

Woolwich Prelim Sent 5.12.2006 !!!

S.A.R - (Subject Access Request) sent 22.12.2006 (yeah I know)

16.1.2007 £1000 offer rejected

LBA sent 31.1.2007

N1 presented to Court 15.2.2007

Won / Settled 2 days before court date

£5200 plus int charges returned.

 

All and Leics S.A.R - (Subject Access Request) sent 22.12.2006

2nd S.A.R - (Subject Access Request) sent 15.1.2007

Statements received

Prelim sent 31.1.2007

LBA Sent 15.2.2007

Won £1500 on receiving court date..

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I've been sending all my letters recorded, you can then use the royal mail website to get a printout proving the date the letter was delivered. That way theres no chance they can claim a letter was never recieved.

 

Mat

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OK I have posted the prelim letter to .. Woolwich Customer Contact Centre in Clacton CO15 1WH.

 

I have stopped all monies going into my account as they are due to whack me with failed DD charges. This will Put me over my Overdraft limit. and hence incur £3 a day charges. All DDs have been stopped. How do I deal with the account side pressure I shall no doubt get from them, regarding returning my account below my O/D level.? As I dont really want to go through the default bits and pieces.......

www.bellyup4blues.com Just Go There !!!

 

Woolwich Prelim Sent 5.12.2006 !!!

S.A.R - (Subject Access Request) sent 22.12.2006 (yeah I know)

16.1.2007 £1000 offer rejected

LBA sent 31.1.2007

N1 presented to Court 15.2.2007

Won / Settled 2 days before court date

£5200 plus int charges returned.

 

All and Leics S.A.R - (Subject Access Request) sent 22.12.2006

2nd S.A.R - (Subject Access Request) sent 15.1.2007

Statements received

Prelim sent 31.1.2007

LBA Sent 15.2.2007

Won £1500 on receiving court date..

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Tell them the account is in dispute, they can't do anything to it whilst it's in dispute, it breaches the Banking Code section 13 para 6.

 

Thankyou MOTB, so, as soon as the prelim letter was sent the account is deemed to be in dispute, is that correct?

www.bellyup4blues.com Just Go There !!!

 

Woolwich Prelim Sent 5.12.2006 !!!

S.A.R - (Subject Access Request) sent 22.12.2006 (yeah I know)

16.1.2007 £1000 offer rejected

LBA sent 31.1.2007

N1 presented to Court 15.2.2007

Won / Settled 2 days before court date

£5200 plus int charges returned.

 

All and Leics S.A.R - (Subject Access Request) sent 22.12.2006

2nd S.A.R - (Subject Access Request) sent 15.1.2007

Statements received

Prelim sent 31.1.2007

LBA Sent 15.2.2007

Won £1500 on receiving court date..

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Just a thought, As I said before the Wool sent me a list of all charges on the account, what I did was add up all the charges and got a total.

Now what might be included in that total are some charges that might have been made and then might have been refunded by the Wool. IE my total is probably incorrect.

 

I dont think it will get to the stage where they would say "your total is incorrect, we refunded you this charge and that charge"

 

What does you all think about this as I value all advice on this forum????

www.bellyup4blues.com Just Go There !!!

 

Woolwich Prelim Sent 5.12.2006 !!!

S.A.R - (Subject Access Request) sent 22.12.2006 (yeah I know)

16.1.2007 £1000 offer rejected

LBA sent 31.1.2007

N1 presented to Court 15.2.2007

Won / Settled 2 days before court date

£5200 plus int charges returned.

 

All and Leics S.A.R - (Subject Access Request) sent 22.12.2006

2nd S.A.R - (Subject Access Request) sent 15.1.2007

Statements received

Prelim sent 31.1.2007

LBA Sent 15.2.2007

Won £1500 on receiving court date..

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I think if you believe, as you clearly state you do, that your total is "probably incorrect" then you should correct it without delay.

 

The Woolwich are owned by Barlclays plc, a hugely successful company that have made money their business.

 

They will notice, make no mistake.

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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Guest Mumofthreeboys
I dont think it will get to the stage where they would say "your total is incorrect, we refunded you this charge and that charge"

 

I think you should make sure your spreadsheet is correct. Any credits to your account for the return of charges should be shown on it.

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MOTB I dont have "a Spreadsheet" I have the info they sent me,

Titled "charges on accnt no"

 

It details charge type, date incurred , date applied , charge amount, transaction amount, avail balance, and info

 

I totalled up the charge amount column for my total. on these sheets there is no indication of any return of charges.

 

1. So how do I find out which were refunded from the Woolwich,

2. having sent my prelim with "incorrect total" info, what is my plan of action, and in what order should it be.

3. How do I let the woolwich know my claim total may not be correct?

4. How do I get out of this mess, and get back on track.

 

Ta

 

Delboy

www.bellyup4blues.com Just Go There !!!

 

Woolwich Prelim Sent 5.12.2006 !!!

S.A.R - (Subject Access Request) sent 22.12.2006 (yeah I know)

16.1.2007 £1000 offer rejected

LBA sent 31.1.2007

N1 presented to Court 15.2.2007

Won / Settled 2 days before court date

£5200 plus int charges returned.

 

All and Leics S.A.R - (Subject Access Request) sent 22.12.2006

2nd S.A.R - (Subject Access Request) sent 15.1.2007

Statements received

Prelim sent 31.1.2007

LBA Sent 15.2.2007

Won £1500 on receiving court date..

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Guest Mumofthreeboys

I what form did they send you this information?

 

When you sent your letter you should have attached a spreadsheet to it.

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I what form did they send you this information?

 

When you sent your letter you should have attached a spreadsheet to it.

 

Mum they sent a list on paper with all charges made on my account

With this along the top

 

chrg-- date---- date ---charge --transaction--- avail ------info

type-- incurred--applied- amount- amount ----balance

-----i---------i--------i--------i-----------i------------i-----------

 

UC-- 31/5/06--- 21/6/06- 35.00 --828.13 ------600 ------mort comp

 

 

 

 

 

 

 

etc.

 

I thought the spreadsheet is only for use if you are claiming interest and doesnt go with the prelim?????

 

Help getting confused here:eek:

www.bellyup4blues.com Just Go There !!!

 

Woolwich Prelim Sent 5.12.2006 !!!

S.A.R - (Subject Access Request) sent 22.12.2006 (yeah I know)

16.1.2007 £1000 offer rejected

LBA sent 31.1.2007

N1 presented to Court 15.2.2007

Won / Settled 2 days before court date

£5200 plus int charges returned.

 

All and Leics S.A.R - (Subject Access Request) sent 22.12.2006

2nd S.A.R - (Subject Access Request) sent 15.1.2007

Statements received

Prelim sent 31.1.2007

LBA Sent 15.2.2007

Won £1500 on receiving court date..

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Guest Mumofthreeboys

Right ok, just use the list they've sent you and put the charges into the spreadsheet. Why didn't they send you your statements? Did you send them the SAR letter?

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Nah Mum, If you look at the first er 5 posts on here, I was sent the list of charges because I was unhappy at how many there were, un connected with an SAR , a couple of posts later I was advised to send the prelim letter plus a schedule of charges... and not send the SAR

 

Why do I need a spreadsheet if I am not claiming on the interest? and which spreadsheet are we talking about have you got the link Mum?.

www.bellyup4blues.com Just Go There !!!

 

Woolwich Prelim Sent 5.12.2006 !!!

S.A.R - (Subject Access Request) sent 22.12.2006 (yeah I know)

16.1.2007 £1000 offer rejected

LBA sent 31.1.2007

N1 presented to Court 15.2.2007

Won / Settled 2 days before court date

£5200 plus int charges returned.

 

All and Leics S.A.R - (Subject Access Request) sent 22.12.2006

2nd S.A.R - (Subject Access Request) sent 15.1.2007

Statements received

Prelim sent 31.1.2007

LBA Sent 15.2.2007

Won £1500 on receiving court date..

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Delboy are you saying you just recieved a list of charges of the back of your SAR? If so thats what I got. I then rang the Woolwich and asked them to go through every charge that had been reimbursed and then deducted these amounts.

 

As I've said in your reply PM it doesn't really matter at all at this stage because you haven't filed yet.

 

*Call the Woolwich and ask them to tell you which charges you have had reimbursed.

 

*Ammend your list

 

*Use the link you have to enter the charges into Vampiresses spreadsheet

 

*Send this with your LBA and your back on track

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