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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.

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      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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Princess Vs Nationwide


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Husband started moaning about the amount he has been charged this month so sent S.A.R off today (15th Nov). He doesn't believe that we can reclaim the charges back. I've told him when we get the money back half is coming my way even if it is his money. (Well I AM doing all the work!);)

 

Will keep you guy's posted you my success, as I have found everyone's else's a great help.

 

Princess

First Direct Gold Visa : WON £120 after LBA:)

First Direct Account : WON £2087.50 after declining first offer and asking for FULL amount:)

Tesco Visa: Sent LBA:|

Nationwide :Filed MCOL 22/01:o They are defending 9What a surprise!):razz:

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My wife didn't believe that we would get our charges back from Nationwide, but we did. Just follow the correct steps and you'll get yours back too, just don't be put off by the crap that the bank will tell you.

If what we say helps you, then please tip the scales.:cool:

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  • 5 weeks later...

Got my statements today, Did my spreadsheet - £2,497.50:o Then realised my printer had no paper. :x Will have to buy some tomorrow, then send off my prelim- how annoying!

First Direct Gold Visa : WON £120 after LBA:)

First Direct Account : WON £2087.50 after declining first offer and asking for FULL amount:)

Tesco Visa: Sent LBA:|

Nationwide :Filed MCOL 22/01:o They are defending 9What a surprise!):razz:

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Hello and Welcome

Congratulations for posting in the correct forum, here you will have other “experts” who know how that particular this bank reacts.

 

I have just finished my claim with this bank, but I decided to stick around to see if I help others like you who are just starting out with their claim to see if I can share anything to make your journey through this claim a bit better!!!

Remember the banks have acted unlawful you haven’t!!!

 

Well done for reading the FAQs and continue to read as many threads as possible as there is a wealth of information on here!!

 

Remember its important to open a parachute account, especially if the charges are spiralling out of control and you have little or no money left, at the end of each month.

 

If your account goes into a negative balance after you have transferred your banking, send them this notice to prevent them taking any further action.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/5078-10-data-protection-act.html

If you get stuck have a look (by searching) to see if your question has already been asked by reading other people threads, if you are still not sure either post your question in your own thread or PM me to attract my attention and I will be happy to help you by answering on your thread.

 

Also look for another newbie claiming against the same bank as you, that way you can do your claim together and support each other as the post drops through the door!!

 

Sometimes the banks act awfully and you can get very stressed out by it all. But stick to your guns - you are in the right - they are not. Don’t let them put you off, that’s what they want to do!

 

Hope this helps

 

Good Luck

 

Allyxia

KEEP FIGHTING FOR YOUR MONEY - EVEN WHEN IT GETS TOUGH

The Banks are somewhere which lends you an umberella when it is sunny, and takes it away when it rains

 

HSBC £1200 - Settled in Full

Cap 1 2 X £100 - Settled in Full

Nationwide £1641 - Settled in Full inc Default and CCJ Removed by Court Order

NatWest £2215.60- Settled in Full and Removed Default Natice

Woolwich £3690 - Settled in Full

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  • 4 weeks later...

Sent LBA 5th January received standard fob off letter and replying with another letter reminding them of MY deadlines

First Direct Gold Visa : WON £120 after LBA:)

First Direct Account : WON £2087.50 after declining first offer and asking for FULL amount:)

Tesco Visa: Sent LBA:|

Nationwide :Filed MCOL 22/01:o They are defending 9What a surprise!):razz:

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  • 2 weeks later...

Did MCOL today.:o £120 poorer now.:( Hope money comes soon. Husband is now getting more interested and wants a fight in court now he has read the site. Will keep the post updated on by £3000 odd claim. (That includes the extra 8% now we have gone to court):|

First Direct Gold Visa : WON £120 after LBA:)

First Direct Account : WON £2087.50 after declining first offer and asking for FULL amount:)

Tesco Visa: Sent LBA:|

Nationwide :Filed MCOL 22/01:o They are defending 9What a surprise!):razz:

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Hi,

 

We also did out MCOL yesterday against Nationwide.

 

If we buddy we can help each other.

 

Good luck.

  • Confused 1

Woolwich N1 issued 15.01.07 £11k

Acknowledged 01.02.07

Defence Filed 15.02.07

AQ Filed 21.02.07

AQ Deadline 05.03.07

Woolwich AQ late, given till 16.03.07

29.03.07, Judgement rec, woolwich to pay up by 10.04.07

Money received 16.04.07

 

Nationwide MCOL issued 22.01.07 £1k

Settled in full 05.02.07:D

Account being closed

Appeared on Watchdog 20.02.07

 

Abbey Issue MCOL £5k 24.01.07

Defence Filed 21.02.07

29.03.07, AQ hearing set for 20.04.07 with other like cases.

11.04.07, Full settlement letter received for £5,769.12

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Just as a double check, after doing my MCOL I sent a copy of the charges I was claiming to Nationwide showing the additional 8% and informing them they also had to now pay my courts costs. Is there anything else I need to do?

:idea:

First Direct Gold Visa : WON £120 after LBA:)

First Direct Account : WON £2087.50 after declining first offer and asking for FULL amount:)

Tesco Visa: Sent LBA:|

Nationwide :Filed MCOL 22/01:o They are defending 9What a surprise!):razz:

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As far as I know, nothing. Just wait for them to file a defence.

 

Can someone else just confirm for me.

Woolwich N1 issued 15.01.07 £11k

Acknowledged 01.02.07

Defence Filed 15.02.07

AQ Filed 21.02.07

AQ Deadline 05.03.07

Woolwich AQ late, given till 16.03.07

29.03.07, Judgement rec, woolwich to pay up by 10.04.07

Money received 16.04.07

 

Nationwide MCOL issued 22.01.07 £1k

Settled in full 05.02.07:D

Account being closed

Appeared on Watchdog 20.02.07

 

Abbey Issue MCOL £5k 24.01.07

Defence Filed 21.02.07

29.03.07, AQ hearing set for 20.04.07 with other like cases.

11.04.07, Full settlement letter received for £5,769.12

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Nationwide have Acknowledged my MCOL.

 

Is it correct that I now wait for them to file a defence?

Woolwich N1 issued 15.01.07 £11k

Acknowledged 01.02.07

Defence Filed 15.02.07

AQ Filed 21.02.07

AQ Deadline 05.03.07

Woolwich AQ late, given till 16.03.07

29.03.07, Judgement rec, woolwich to pay up by 10.04.07

Money received 16.04.07

 

Nationwide MCOL issued 22.01.07 £1k

Settled in full 05.02.07:D

Account being closed

Appeared on Watchdog 20.02.07

 

Abbey Issue MCOL £5k 24.01.07

Defence Filed 21.02.07

29.03.07, AQ hearing set for 20.04.07 with other like cases.

11.04.07, Full settlement letter received for £5,769.12

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Acknowledged MCOL today.

First Direct Gold Visa : WON £120 after LBA:)

First Direct Account : WON £2087.50 after declining first offer and asking for FULL amount:)

Tesco Visa: Sent LBA:|

Nationwide :Filed MCOL 22/01:o They are defending 9What a surprise!):razz:

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NW are going to defend. It's me against old Charlie Bacon:)

Any idea what happens now?

First Direct Gold Visa : WON £120 after LBA:)

First Direct Account : WON £2087.50 after declining first offer and asking for FULL amount:)

Tesco Visa: Sent LBA:|

Nationwide :Filed MCOL 22/01:o They are defending 9What a surprise!):razz:

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Well - three deposits into the account on Friday (2nd). :lol: Amount equals all charges, just waiting for the courts costs and interest to be deposited then we will be £3000 richer in total.:-) No letters from Nationwide though! Maybe it's a Valantines gift!!!!

First Direct Gold Visa : WON £120 after LBA:)

First Direct Account : WON £2087.50 after declining first offer and asking for FULL amount:)

Tesco Visa: Sent LBA:|

Nationwide :Filed MCOL 22/01:o They are defending 9What a surprise!):razz:

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Stick in there and check your bank account. I filed my MCOL against this lot on the 22nd and they settled yestrday. We received a letter from them today confirming!!!

Woolwich N1 issued 15.01.07 £11k

Acknowledged 01.02.07

Defence Filed 15.02.07

AQ Filed 21.02.07

AQ Deadline 05.03.07

Woolwich AQ late, given till 16.03.07

29.03.07, Judgement rec, woolwich to pay up by 10.04.07

Money received 16.04.07

 

Nationwide MCOL issued 22.01.07 £1k

Settled in full 05.02.07:D

Account being closed

Appeared on Watchdog 20.02.07

 

Abbey Issue MCOL £5k 24.01.07

Defence Filed 21.02.07

29.03.07, AQ hearing set for 20.04.07 with other like cases.

11.04.07, Full settlement letter received for £5,769.12

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Well, have received a letter saying that they have refunded the charges, interest, court costs and have cancelled the future charges that were due on the a/c.

 

Have rang them as have not received all the money as yet and also the court cost was quoted as £80 and we paid £120. Money is now on it's way:)

 

Is it correct that when all monies are received I inform the court that this matter is settled?:?:

First Direct Gold Visa : WON £120 after LBA:)

First Direct Account : WON £2087.50 after declining first offer and asking for FULL amount:)

Tesco Visa: Sent LBA:|

Nationwide :Filed MCOL 22/01:o They are defending 9What a surprise!):razz:

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...Is it correct that when all monies are received I inform the court that this matter is settled?:?:
When U are totally satisfied that Nationwide have Settled in FULL, just let the Court know as per one of the methods describe in the following link:

Her Majesty's Courts Service

 

 

Congratulations!

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We have a letter from them to state they will close our account!!

 

Oh no they won't!

 

I will take them to court if they do an I have sent a letter stating so.

 

They have 1 week to change their mind!!!!:p

Woolwich N1 issued 15.01.07 £11k

Acknowledged 01.02.07

Defence Filed 15.02.07

AQ Filed 21.02.07

AQ Deadline 05.03.07

Woolwich AQ late, given till 16.03.07

29.03.07, Judgement rec, woolwich to pay up by 10.04.07

Money received 16.04.07

 

Nationwide MCOL issued 22.01.07 £1k

Settled in full 05.02.07:D

Account being closed

Appeared on Watchdog 20.02.07

 

Abbey Issue MCOL £5k 24.01.07

Defence Filed 21.02.07

29.03.07, AQ hearing set for 20.04.07 with other like cases.

11.04.07, Full settlement letter received for £5,769.12

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  • 5 months later...

Hi Princess(good name btw!!)

What happened in the end with Nationwide closing your account?Did they do it?Im claiming mnoney back for my fiances uncle who is quite sceptical...Im a bit nervous now!!

Please let me know how you got on!

PrincessH x

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