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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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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Claiming on a Business account? Lets join forces?


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Can anyone help. I have just realizied that in my haste to doing my charges I sent my LBA letter off first instead of my prelim letter. (I can only put this down to just having had a baby) Any ideas as to what I do now. I have had a reply from LLoyds telling me I have no right to reclaim.

 

Do I just send it again. Also the address from LLoyds is Andover Service, Recovery Centre Charlton Place, Andover Hampshire SP10 1RE as opposed to Colmore Row, which is where I sent the original to.

 

Any ideas would be gratefully received.

 

Hi ernie

 

suggest you ignore that first letter and start again with the prelim letter. Send it to your local branch or, as I did to avoid my local bank manager, send it to the Head Office.

 

Send it off recorded delivery and forget the first letter and their reply. If they've got any nounce they'll be expecting the prelim letter next!

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I have sent my prelim and LBA copies by recorded delivery to my local branch and Andover and Gresham Street (which is the Head Office) as I found out on here that when you do your N1 or MCOL you need to put the defendants address as Gresham Street London! Hope this helps, I did my MCOL today so fingers crossed!:)

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just joining this thread, am reading up on claiming my sons business charges, i now understand they are different from personal ac's but will carry on reading this thread

thanks

Davyboy

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hi all,

 

just to give all you business accounts a bit of encouragement!

our account is a partnership account, with BOS

i wrote my 1st letter 13/11/06 got the usual response, get lost!!!!

continued with lba 27/11/07 replied the usual - these charges are in keeping with our normal charging policy.

filed MCOL 6/3/07

They filed defence 23/3/07 giving them extra 14 days

yesterday was preparing for court............ today received a letter stating it will cost the bank money to defend my claim in terms of the legal costs.

for this reason, but without admission of liability they are going to reimburse us with the charges, interest and £250 court fees. ON RECEIPT OF MY AGREEMENT THEY WILL REFUND INTO MY ACCOUNT THE GRAND TOTAL OF £5353.17 YIPPEEEEEEEEEEE!!!!!!!!

WE WON!!!!!!:D :D :D :D :D

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Massey,

 

WELL DONE !!!!!:)

 

 

....do make it clear to them that you'll only withdraw the claim, once funds are cleared into your account though...... don't trust them an inch !!

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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THANK YOU TO EVERYBODY ON THIS SITE FOR YOUR HELP & ENCOURAGEMENT.

Don't think i would have had the guts to go through with it, but the members got me there. THANKS AGAIN!!!!

 

WILL BE SENDING A DONATION AS SOON AS I RECEIVE THE MONEY!

 

just want to say to anybody feeling scared of going through with it, persevere it pays off.

i was terrified, but jumping through hoops today:D

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It is really like pulling teeth with Lloyds, but they eventually succumb.

I have two successes with Lloyds and a rather more significant result with a business account with Nat West. One more business account in the pipeline with Lloyds.

My advice has hardly any legal foundation whatsoever, however you never know it it might just work!

:cool:

 

NatWest Prelim 07.10.206

LBA 21.10.2006

MCOL 30.10.2006

Acknowledgment of Service 06.11.2006

Offer of approx 50% £2200.00 22.11.2006

Full settlement £4500 received 03.01.2007

Smile settled in full

Barclaycard settled in full

RBS Worldwide settled in full

Lloyds TSB settled in full £750.00

Lloyds TSB settled in Full £275.00 11.04.2007

Lloyds TSB business account £1376.00 AQ filed

Lloyds TSB Business account settled in full 21.05.07

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Just an update regards my own claim.

After much hard work, research and over 500 posts (and lots of help from some wonderful members here, too numerous too mention, but Glenn Uk, Bill K, Mindzai, Lucid and Bong do deserve special mention):) Finally finished dotting i's and crossing t's, and managed to take my claim over to the court today.

That was saga in it's own right.... two of the courts listed on the HMCS website are actually SHUT... not just for the day, but for good !!

Typically, I went to both first, and then got into a panic when I realised it was getting close to 4pm, and the proper one would be closed.... which would mean then filing tommorow, and having to print out EVERYTHING again (and 3 times), as the daily interest would have changed.... aaaarghh !

Anyway, made it in time, and filed.

Just thought I would ask the clerk a few bits (they are VERY friendly and human people for anyone scared about going down there).

Turns out that Northampton are so swamped, that the Courts have been instructed to send everything to a speciallly set up court just for Bank claimants !!

Turns out also, that AQ's are becoming pretty rare on the ground, and most courts are just dispensing with them, and directing cases into groups.

Anyway, a feeling of elation as I finally stepped out of the court with my lovely stamped reciept. Actually done it !!

I think the Banks rely upon the fact that a lot of claimants won't get past the Prelim or LBA stage, or will be put off by their letters with their own take on matters, and just give up or fail to follow through to N1/ mcol (by the way, all you Business claimants, I STRONGLY reccomend that if you can you use N1 rather than MCOL).

So, clerk informed me they now have 14 days to file a defence, or I can file for judgement.

Expecting the usual templated defence..... however I've put a couple of little extra's in my POC's (nothing too controversial or risky), and will see if they ACTUALLY do read them.

Date, in my diary to look into filing for judgement (but I expect the usual extensions they somehow manage to wangle).

Now just a matter of waiting.

Incidentally I would suggest more patience from a lot of people out there, at least a month of reading and posting, and use your time between prelim, LBA etc very wisely before going to court stage. It really make's a hell of a difference to your knowledge and confidence.

 

Regards to all

 

Photoman

 

PS: I'm not going to reveal the actual size of my claim at this point...... but lets just say, this is one that they will certainly take notice of !!:D

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All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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well smudgerer must admit was a bit naughty, never opened a new account, but spoke to 2 other banks that said they could open an account. i told them i was taking bos to court.

both banks told me it was hard to get charges back from business accounts & adviced me to do it on my personal accounts as it was easier.

now that i have done this 1 i'm going for my 2 personal accounts which i now feel pretty confident about.

so even the bank managers are in agreeing that the charges are wrong

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... just realised, must also give special thanks to paulpb, paulwlton, progenic and joncris....... thank you all so far........ but be expecting additional pestering !!! :D

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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hi all,

 

just to give all you business accounts a bit of encouragement!

our account is a partnership account, with BOS

i wrote my 1st letter 13/11/06 got the usual response, get lost!!!!

continued with lba 27/11/07 replied the usual - these charges are in keeping with our normal charging policy.

filed MCOL 6/3/07

They filed defence 23/3/07 giving them extra 14 days

yesterday was preparing for court............ today received a letter stating it will cost the bank money to defend my claim in terms of the legal costs.

for this reason, but without admission of liability they are going to reimburse us with the charges, interest and £250 court fees. ON RECEIPT OF MY AGREEMENT THEY WILL REFUND INTO MY ACCOUNT THE GRAND TOTAL OF £5353.17 YIPPEEEEEEEEEEE!!!!!!!!

WE WON!!!!!!:D :D :D :D :D

 

Well done Massey, Great news and another one bites the dust!!

DS

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1 final question

 

the cheque is made payable to my co.name i asked for any cheque to be made payable to my name should i send it back(im not worried how long it takes to get a replacement chq)

 

any help welcome

 

scott

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congrats massey

 

 

i also won today

 

 

£35,987.94

 

 

scott

 

WOT? £36K :o Blinkin eck Scott that's brilliant - can't help on the cheque name because I'd have to read over your details and it's a bit late - but absolutely WELL DONE

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Hi... I'm in the process of claiming charges form LloydsTSB on my business account. I have read threads saying that it would be possible to claim beyond the six years. Having got to the Letter Before Action stage and having a negative response, would I have to re-start my claim from scratch????

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Hi... I'm in the process of claiming charges form LloydsTSB on my business account. I have read threads saying that it would be possible to claim beyond the six years. Having got to the Letter Before Action stage and having a negative response, would I have to re-start my claim from scratch????

I would suggest that you just write a new LBA stating something along the lines of "....having reconsidered my claim total, I am now submitting an amended Letter before action".

Then give them a further 14 days. A new prelim should be unnecessary, as this course should suffice as being seen to be reasonable enough.

Wait your 14 days, then submit your N1 with the new figure.

 

Usual proviso's about my laymans standing, so maybe get a couple of views if unsure.

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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