Jump to content


  • Tweets

  • Posts

    • 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?    
    • These are the photos of the signs. At the entrance there is a 7h free sign. On some bays there is a permit sign.  Also their official website is misleading as it implies all parking is free.  I can't be certain of the exact parking bay I was in that day, and there was no PCN ticket on my car and no other evidence was provided.  parking sign 2.pdf
    • 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...
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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.

      Please can you advise what I need to do today to get this done. 
       

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

UPDATE: pturner and EGG Card PPI


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6130 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi All

 

 

BACKGROUND: Am in process of claiming back Egg Card PPI. I feel it was applied without my consent. I had account for 4 years, ACCOUNT NOW CLOSED. Total PPI taken £981 of first 3 years approx, until I realised what it was and cancelled it. (approx £24-31 per month, varied)

 

 

ACTION MADE:

 

1. Spoke to helpline and he sent me screen shot of the 'application review' screen when I made my application for the card online.

2. Made SAR

3. Made Credit Card Agreement copy request.

 

RECEIVED THROUGH POST:

 

1. Received screen shot. Only shows a web form, with one box labelled 'Payment Protection' and the text 'ACCIDENT, SICKNESS, UNEMPLOYMENT and LIFE' entered into it. Doesn't prove that I selected anything so far..

 

2. Received SAR, however was simply a load of statements shoved into an envelope.

 

3. Received CCA, however no mention about overlimit charges or anything about PPI. Just two pages of paper containing my signature.

 

ACTION TAKEN:

 

1. Spoke to OFT. Said that they would have to prove I ticked a box otherwise no contract is made.

 

2.Sent reply to Data Protection Manager asking for full information on myself stating that some data I requested is missing. They have deadline of 3rd April to Reply

 

3.Included reply to Data Protection Manager regarding the CCA. Said it does not indicate any agreement with PPI at all, and that I require this information as evidence. They have deadline of 6th April to reply.

 

 

Will update all further.....

 

 

Thanks all

 

Phil :mad:

Link to post
Share on other sites

Had a reply from them.

 

They have sent me the CCA agreement again (still no inclusion of any PPI apparent on it), and sent me a copy of the terms and conditions of it. (Thanks, should have sent me that when I opened the account).

 

 

They keep bleating on about this 'screen shot' of my application review for the EGG card, and have sent me another copy of it. It says it 'is as filled in by me on my application' and that it is 'read-only' format. Thing is, i didnt type in the words 'Accident, Sickness, Unemployment and Life' into the box.

 

I need help as how to take this futher. How do I prove, that they cannot prove that I selected this? i.e I ticked a box. Would this screen shot really prove I must have opted for PPI at time of application, in a court?

 

It seems the only evidence they have of me opting for PPI is this screen shot. I have no recollection of selecting this.

 

 

Can anyone please advise, I really want to get them over this.

 

 

 

Phil

 

Already won full refund from EGG Card in relation to overlimit charges.

Link to post
Share on other sites

Had a reply from them.

 

They have sent me the CCA agreement again (still no inclusion of any PPI apparent on it), and sent me a copy of the terms and conditions of it. (Thanks, should have sent me that when I opened the account).

 

 

They keep bleating on about this 'screen shot' of my application review for the EGG card, and have sent me another copy of it. It says it 'is as filled in by me on my application' and that it is 'read-only' format. Thing is, i didnt type in the words 'Accident, Sickness, Unemployment and Life' into the box.

 

I need help as how to take this futher. How do I prove, that they cannot prove that I selected this? i.e I ticked a box. Would this screen shot really prove I must have opted for PPI at time of application, in a court?

 

It seems the only evidence they have of me opting for PPI is this screen shot. I have no recollection of selecting this.

 

 

Can anyone please advise, I really want to get them over this.

 

 

 

Phil

 

Already won full refund from EGG Card in relation to overlimit charges.

 

Hello Phil,

 

This just your typical case of we really don't want to give you your money back. and if we tell you so you will go away.

 

Personally I would start the process, send your prelim letter Let them know that you are serious and watch this space.

 

I have felt a bit floudery in the beginning, and thought should I, What If? :-? but that is how they want you to feel so you don't try and they have won and still got your money.

The first two letters only cost a £1 to send and then see how you feel:cool:

 

Everybody on the site is really in the same boat and we are all here to help each other:-D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

Link to post
Share on other sites

Yeah get on with you prelim matey, get the ball rolling.

 

I think i will have an easy attepmt at Egg, as they have stated i took the PPI when i sined up online when applying by ticking the box. then i said prove it and they changed there story to "You took the PPi out over a phone call (6 months after account was opened)"

 

So basically with so many people in this situation, Egg obviously have broke the law, by adding this ppi without conscent, then making your story up to cover themselves.

 

"What goes around, Comes around!"

 

Best of Luck to ya

 

Sem

Link to post
Share on other sites

Ok, cheers.

 

I will send the pre-lim letter today and get this case going. It does seem that they are struggling to provide hard legal evidence, so I feel I have good chance of getting them. Will be calling the OFT today for advice, and will start a complaint with the FO. The FO have been inundated with complaints, so will see how long a reply takes.

 

Will keep all updated!

 

 

Phil 'McMad' Turner :evil:

Link to post
Share on other sites

Haven't sent Prelim letter yet. Am awaiting results of my SAR request. They failed to supply me with complete information the first time around, so I wrote back to to them asking for the remainder. They have until the 3rd April to comply.....

 

 

Phil

Link to post
Share on other sites

Haven't sent Prelim letter yet. Am awaiting results of my SAR request. They failed to supply me with complete information the first time around, so I wrote back to to them asking for the remainder. They have until the 3rd April to comply.....

 

 

Phil

 

Lets hope they comply by the third of April if they don't report them to the information comissioner office. Also threaten them with legal action re breach of SAR.

And:D go and get them

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

Link to post
Share on other sites

Hi,

 

I am doing a claim for our egg card (Husbands account - I do all the work!!) I have sent off the pre-lim and LBA with the PPI included in the schedule of charges with the rest. I have not kept it seperate. I have received full compliance of the SAR and CCA, and can find nothing relating to us requesting this PPI. When it comes to filing at court I spose I can just include it in the poc. Hope so - or i'm stuffed! lol

Link to post
Share on other sites

Hi Phil - will keeping checking in on your thread - it looks like there are quite a few of us in the same boat here. I'm awaiting my SAR info and have asked them to fully comply with the CCA request specifically to send me any info relating to PPI.

 

ajjars

I am doing a claim for our egg card (Husbands account - I do all the work!!)
ha ha I know the feeling! I'm running out of accounts to go at now and have turned my attention to my OHs!

PLEASE sign this petition to reduce amount of time CRAs hold your data

http://petitions.number10.gov.uk/CreditRA

 

I HATE MBNA :evil::-x:mad::-x

Link to post
Share on other sites

Hi All

 

Am in exactly the same boat with Egg. I thought I would try the FO route for a change as I would still have the court option should I need it. Two and a half months later I am still waiting for the FO to START their investigation as they are inundated with PPI complaints. Starting to wish I had just gone to court after all.

Link to post
Share on other sites

  • 2 months later...

Am in exactly the same position as you (OH's account), even down to the screen shot.

 

Have already started mcol and had their defense which said it was up to my OH to prove that he didn't ask for insurance.:confused:

 

My OH certainly did not ask for this insurance and because he is as blind as a bat did not read his statements which would have alerted him to the fact that when he was made redundant he would have been able to make a claim against it instead of struggling to pay the card off.

 

juli99

Link to post
Share on other sites

  • 4 weeks later...

Hello all,

 

I've been away from here for a while. Have now got time to persue this matter again. Will keep informed. No update since my last post....time to make a complaint

 

Phil

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...