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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • fkofilee
      Can I get a Cifas marker removed?

      By fkofilee · Posted

      Oh dear.. Misuse of facility...  Cat 6... No wonder everything is being nuked from high orbit... More in a bit.. 
    • LilMissM
      Can I get a Cifas marker removed?

      By LilMissM · Posted

      Thank you fkofilee First question: what do I do if Monzo close my account? I need an account but no one will touch me with this marker against me. Is there anywhere/any other option that I have if Monzo close my account? MCB is My Community Bank?  Yes What Category of Marker do you have? This is what it says on the Cifas SAR: Application date: 07 December 2023 Date recorded: 09 April 2024 Expiry date: 09 April 2030 Cifas Case Identifier: 15435315 Product relating to the application, proposal, account or facility: Personal Loan – Unsecured Facility: Granted Case type: Misuse of facility Reason(s) for filing: Evasion of payment Financial Loss Value of Loss: £5000.00 When did you raise the complaint? Last night via email Do you have Correspondence / Audit Trails of communications showing that you were in severe financial strain due to an event AFTER you took the loan? I can prove that I had to buy a new washing machine, I have my pay slips showing the emergency tax code and a letter from the tax office after I had spoken with them to get it corrected and of course I can get a copy of my vet bill. And all of this was in the first 2-3 months of 2024.  I panicked. Stupid I know and as you say, I have learned the hard way and I am not in any way denying anything that I have done wrong, but it just feels a bit unfair.  It is what it is I guess and if I have to have it on me forever then so be it. I am just so worried about the bank situation 😕    
    • fkofilee
      Can I get a Cifas marker removed?

      By fkofilee · Posted

      If it is MCB    National Fraud Database Members | Preventing Fraud Losses | Cifas WWW.CIFAS.ORG.UK A range of organisations use the National Fraud Database to share data on confirmed fraud cases, preventing over £1 billion in fraud losses every year.   They are on the register  
    • fkofilee
      Can I get a Cifas marker removed?

      By fkofilee · Posted

      Hi @LilMissM   I guess you could call me our resident CIFAS Specialist - Personally have been through all of what you have and now have come out the other side when my marker fell off in May 2023. For a start Monzo may close your account but as I had a Marker for App Fraud (Vodafone ended up making a whole hoohah of the account I had with them) - I was with them and still am from Oct 2017 till today. And not once did they close my account. I actually spoke to a couple of current account providers at the time that I had accounts with - Nationwide and Barclays - Told them what was going on and provided all the evidence to them. They advised they may do so but it was highly unlikely now that they understood why it happened and what I was doing to fight it.    Anyway - On to your marker. MCB is My Community Bank?  I can say to you that on experience that On Monday you can be on top of the world then on Tuesday you whole life changes in a flash of an eye. Suddenly you cant pay your bills, Work isnt feasible and you are left with no other choice but to scrape by.  If this has happened to you, then join the club.  - Why is this important? Well Financial institutions get one whiff of potential fraud and you are guilty without a chance to respond. You found out the hard way   If it sounds like I'm waffling, I'm not - Its important to your issue. They have deemed you guilty by the fact that no payments have been made and potentially entered into a loan agreement knowing looking not to pay (Although thats how it may appear, there will always be factors against that)    First off - Questions - What Category of Marker do you have? If unsure, check my signature for a Credit File Guide which will tell you all you need to know about what Categories apply.  - When did you raise the complaint? They will have 8 weeks to respond. More on this in a mo.  - Do you have Correspondence / Audit Trails of communications showing that you were in severe financial strain due to an event AFTER you took the loan?   My next suggestions, Send this complaint to the CEOs office - CEOEMAIL.COM Let them make the decision as per the Complaint Procedure. Then if they refuse to remove the marker. take it to the FOS who can force the company to remove it if found in favour.  Some companies do need a slap or 2 once in a while to bring them down a peg. You could be looking at this right now.   
    • AndyOrch
      Appeal Bundles - Civil Appeals - Parcel Delivery Firms

      By AndyOrch · Posted

      Other case law relied upon " On other record of reasons "

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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Anonymous text message from MBNA

Under Siege

By Under Siege
in MBNA

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Under Siege

Under Siege

Posted
Posted

Just received this text message -

 

"Hi, give me a call on 01244673052, it is important that i speak to you today."

 

I have found out that it is from MBNA

 

I know that this is against debt collection guidelines but who do I complain to?

The only man who sticks closer to you in adversity than a friend is a creditor.

 

Debt Collection Charges

 

There is no legal basis for a creditor or a debt collection agency acting on its behalf to claim collection costs from a debtor unless there is an express provision in the original agreement.

 

Without such provision, collection charges cannot be demanded as a debt due under the agreement.

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  • 1 month later...
Niles

Niles

Posted
Posted

I've had one of those today - trying to find out who sent it was a bit tricky, with no reverse phonebook facility in the UK.

 

How many other people have had this sort of treatment? And how many complaints to the appropriate bodies can we get sent in at once?

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Soo43

Soo43

Posted
Posted

I have had several of these texts from MBNA one from someone call Alex - this frightened the life out of me initially as i thought a friend of mine called Alex was ill!!! also had postcards from MBNA stating they were going to call me on such a date and time (all in plain view of the postman!!!) also can you believe it keep getting information for MBNA for taking out another loan!!!!

Northern Rock - loan - £6000

Beneficial credit card - £12+

GM Card - £13+

will have to look up the others have about 21 debtors totalling about £175,000

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Under Siege

Under Siege

Posted
  • Author
Posted

Soo43,

 

I am going to look into this because I have recieved another text today, whilst the account is subject to a complaint and being investigated.

The only man who sticks closer to you in adversity than a friend is a creditor.

 

Debt Collection Charges

 

There is no legal basis for a creditor or a debt collection agency acting on its behalf to claim collection costs from a debtor unless there is an express provision in the original agreement.

 

Without such provision, collection charges cannot be demanded as a debt due under the agreement.

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Under Siege

Under Siege

Posted
  • Author
Posted

From the OFT website -

 

Debt collection guidance -

 

2.2 Examples of unfair practices are as follows -

 

c. Those contacting debtors not making clear who they are, who they work for, what their role is, what the purpose of the contact is.

 

 

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

The only man who sticks closer to you in adversity than a friend is a creditor.

 

Debt Collection Charges

 

There is no legal basis for a creditor or a debt collection agency acting on its behalf to claim collection costs from a debtor unless there is an express provision in the original agreement.

 

Without such provision, collection charges cannot be demanded as a debt due under the agreement.

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  • 6 months later...
binarymonkey

binarymonkey

Posted
Posted

I have also received a text message today from MBNA:

 

From: "01244 57414"

 

Note that this is not a mobile number, includes a space character (never seen that before on any phone), and it's not even a complete number. This is the first indication that this is a message from a company (too stupid to even make it look convincing!), and not a genuine personal contact.

 

Message:

" I think I have found a solution for you. Call me on 01244 574141 to hear about it"

 

is replaced with the first name they on account for you.

 

Despite me knowing this was most likely some kind of marketing exercise, I was curious as to what this was about. Surprise, surprise, it's MBNA collections department!

 

Even worse, MY ACCOUNT IS NOT EVEN IN ARREARS! The woman on the phone hurried a rather flustered apology down the phone (mentioning a computer error) when I asked her where MBNA got off being so unforgivably deceitful!

 

Reviewing the OFT document posted above, this communication is clearing in violation of these guidelines. Is there any legal action that could be taken I wonder?

 

Perhaps I can blackmail them into writing off my loan account? :p

 

This incident has left me reeling in disgust at the way MBNA operate their business - absolute animals. I feel for the people that are being hounded by them and can only offer my support - just remember that it is MBNA that is on the wrong side of the law!

 

Matthew

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AA99

AA99

Posted
Posted

We nearly got divorced last week when I answered the phone to a very sweet and sexy voice asking for my husband by his Christian name only.... Who's calling? Jody..... Jody who? I can't tell you that...... Well then, Jody, I am his wife and you can't talk to my husband, good bye ! :mad:

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TheChancellor

TheChancellor

Posted
Posted
We nearly got divorced last week when I answered the phone to a very sweet and sexy voice asking for my husband by his Christian name only.... Who's calling? Jody..... Jody who? I can't tell you that...... Well then, Jody, I am his wife and you can't talk to my husband, good bye ! :mad:

 

You sure it wasn't Joanie?:D

 

"Hello this is Joanie (The Telephone Answering Machine Song)"

 

Hello, this is Joanie

I'm sorry that I'm not home

But if you leave me your name and number

I promise soon as I get in I'll call

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389shell

389shell

Posted
Posted

Can't we sign them up for something using this number? :D

PLEASE DONATE ANYTHING THAT YOU CAN

 

 

A government that robs Peter to pay Paul can always depend on the support of Paul.

George Bernard Shaw

 

 

 

 

Go on, click me scales (if I have helped) :grin:

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389shell

389shell

Posted
Posted

I have been told before that I am very, very naughty, I am a bad, bad girl lol :D

 

*Pulls all the drawers out looking for letters asking for telephone details*

PLEASE DONATE ANYTHING THAT YOU CAN

 

 

A government that robs Peter to pay Paul can always depend on the support of Paul.

George Bernard Shaw

 

 

 

 

Go on, click me scales (if I have helped) :grin:

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389shell

389shell

Posted
Posted

That is what we want you to think!

PLEASE DONATE ANYTHING THAT YOU CAN

 

 

A government that robs Peter to pay Paul can always depend on the support of Paul.

George Bernard Shaw

 

 

 

 

Go on, click me scales (if I have helped) :grin:

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TETSUO

TETSUO

Posted
Posted

I got one yesterday simply saying...

 

You have not responded to our mesages, please help us to help you by calling 01244 629960

 

bless'em :)

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

Co-op bank - won March 07

Virgin Credit Card - won - March 07

MBNA Credit Card - won March 07

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TETSUO

TETSUO

Posted
Posted
You should have called it might have been Gordon Brooooon with another bailout lol.

 

I wish... I did call it (for kicks) and it wasn't Gordy, but some obnoxious knob who soon got bored of my ranting - heheh

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

Co-op bank - won March 07

Virgin Credit Card - won - March 07

MBNA Credit Card - won March 07

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