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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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    • LilMissM
      Can I get a Cifas marker removed?

      By LilMissM · Posted

      This is what I have said in my email of complaint:   On 29th November 2023 I took out a loan of £5000 with you. Unfortunately very early into 2024 I have found myself in financial difficulty and I contacted you on 13th February 2024 asking if there was any way I could extend the length of my loan to 36 months and I fully explained why I was requesting this and asked for your help. I again contacted you on 7th March 2024 to advise you of a change in my circumstances which resulted in me having to take out a DMP and asking you to confirm that the direct debit had been cancelled. You would have also received confirmation of this DMP from StepChange but you did not acknowledge receipt of my email.  I have now therefore fallen behind on several of my debts, yours included, and as a result you have lodged a Cifas marker against my name for "evasion of payment", which has resulted in me having to change banks, which has been an extremely difficult process because of the Cifas marker. I do not feel you have been fair or given me the opportunity to fully explain my situation to you before you lodged the marker against my name.  I cannot stress to you enough how much this has affected my mental health. I am having trouble sleeping and my existing health condition has been exacerbated by all of this.  What I would like you to do is to please remove the Cifas marker and let me make arrangements to pay the loan back through a DMP. If you fail to resolve my complaint within 8 weeks, or if matters are not settled to my satisfaction, I will have no alternative but to refer my complaint to the Financial Ombudsman Service. I look forward to hearing from you. Yours faithfully, Should I send something along those lines to the CEO? 
    • fkofilee
      Can I get a Cifas marker removed?

      By fkofilee · Posted

      Right... Misuse of Facility is a Cat 6 and is considered the worst out of all of the CIFAS Categories for CIFAS Markers.  However lets see what happens when MCB come back to you. Make sure you refer it to the CEO.    IF YOU DONT HAVE A VALID REASON FOR THE ISSUE WITH PAYMENTS ETC - Then the marker will stay.   
    • LilMissM
      Can I get a Cifas marker removed?

      By LilMissM · Posted

      That "oh dear" doesn't sound good  
    • 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 😕    

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    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

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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.

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

Cheekiness towards a DCA

mr.ton
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fuzzybobble

fuzzybobble

Posted
Posted

 

Ooh yeah, and I have more grovelling from Lowell... a letter confirming my increased payments, and on the bottom.....

 

'May I take this opportunity to thank you for your diligence in paying!!!'

 

That's one thing I'll never, ever see on a letter from a DCA. :D

 

I'll stick to Moorcroft's "pre court division" printed in the same shade of red ink that I want my toilet decorating in.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Mrs_Ryan

Mrs_Ryan

Posted
Posted

Ha ha!! Thats one use for them.. personally I think they would be better employed as loo roll :p

THE PRETENDER AGENDA - August 30,2008 - 2ND ROW!!! WOO-HOO!! :-)

THANK YOU SO MUCH FOR A FAB NITE LEE! xx

Sunderland 011008 - THE BEST BIRTHDAY PRESSIE EVER! 'Aww, it's your birthday! Happy birthday darlin!'

 

02 Apr 2008, 23:55

OfficialLeeRyan wrote:

i like that!! its simple and good and gets the fans involved aswell x x x

 

MY SUCCESSES -

 

1st Credit (Lloyds TSB) admitted no CCA, reply from OFT 130608, reply from FOS 040608, adjudication stage rejected but still no contact....

 

My mate (Littlewoods/Moorcroft)

300608 -Long running battle,threatening court, CCA letter NO 2 and harrassment letter sent - passed back to Littlewoods early July.

070808 - Passed to Debt Managers, Acct in dispute/BOG OFF letter sent 080808...

140808 - Letter from Debt Managers passing debt back to Littlewoods - RESULT! :D

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Greenpea

Greenpea

Posted
Posted

Most shops give you a refund if you're not happy with your purchase. Not the movie and music industry. I wonder why?

 

Interesting point FB Wonder if anyone has tried to get an online refund for a CD or a film.

Oh what a silly advert that is Knock off Nigel is, Would have loved to be at the meeting where that one was thought up I can just imagine Some nerd saying "I know we will shame the public into not buying DVD's CD's with a knockoff Nigel in a pub", Then a Tim but Dim guy says yes we will go with that. Followed with a Peter Griffen (off Family Guy) type laugh.

 

What really makes me laugh is that Knockoff Nigel Is made to feel and look uncomfortable. Yes that would be right.

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fuzzybobble

fuzzybobble

Posted
Posted

The knock off nigel in my local pub is a chinese guy who comes in on sunday lunchtimes with a rucksack full of dvds.

 

The old guy who sits in the corner must have the biggest porn collection in the uk by now.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Mrs_Ryan

Mrs_Ryan

Posted
Posted

Pmsl!!!!!!!!!!!!!!!!!!!

 

Its the quiet ones that are the worst:p

THE PRETENDER AGENDA - August 30,2008 - 2ND ROW!!! WOO-HOO!! :-)

THANK YOU SO MUCH FOR A FAB NITE LEE! xx

Sunderland 011008 - THE BEST BIRTHDAY PRESSIE EVER! 'Aww, it's your birthday! Happy birthday darlin!'

 

02 Apr 2008, 23:55

OfficialLeeRyan wrote:

i like that!! its simple and good and gets the fans involved aswell x x x

 

MY SUCCESSES -

 

1st Credit (Lloyds TSB) admitted no CCA, reply from OFT 130608, reply from FOS 040608, adjudication stage rejected but still no contact....

 

My mate (Littlewoods/Moorcroft)

300608 -Long running battle,threatening court, CCA letter NO 2 and harrassment letter sent - passed back to Littlewoods early July.

070808 - Passed to Debt Managers, Acct in dispute/BOG OFF letter sent 080808...

140808 - Letter from Debt Managers passing debt back to Littlewoods - RESULT! :D

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berrylover

berrylover

Posted
Posted

Can anyone tell me if my small claims actions would be valid against a DCA who I have invoiced for costs involved on my part for dealing with their claim for payment, without a valid CCA? I sent them two invoices with a breakdown of the costs of the back of each. Just wondering whether I should go whole hog cheekiness and try to get them to pay up:D

Beating the DCA's day by day

 

My fight:

NDR - CCA'd 12+2 passed

Bank of Scotland - CCA'd 12+2 passed

CFS - Win by Technical Knock-out!:lol:

HFC Bank - CCA'd 12+2 passed

Chantry Collections - CCA sent

 

Time flies like an arrow

Fruit flies like a banana :D

 

<---------- Have I given you top advice, have I made you laugh, click on the scales, it won't hurt you! :grin:

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palomino

palomino

Posted
Posted
:p Confucious say, him of few words has much intelligence:D
but nothing to say.8)

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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Hoose

Hoose

Posted
Posted

confucious, he say, better to remain quiet an appear stupid, than to open mouth and remove all doubt :lol:

Don't Quote me on that :lol:

 

I am now a rep hunter :lol:

Have I helped, educated, impressed?

Click my scales

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fuzzybobble

fuzzybobble

Posted
Posted

Fuzzybobble, he say, he who pees into the wind, sometimes gets his own back. ;)

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Fred Bassett

Fred Bassett

Posted
Posted
Fuzzybobble, he say, he who pees into the wind, sometimes gets his own back. ;)

 

I love those old sayings, like "if at first you don't succeed, then parachuting is not for you".

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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fuzzybobble

fuzzybobble

Posted
Posted

You mean ones like...

 

"If at first you don't succeed, hide the evidence and get someone else blamed for it."

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Hoose

Hoose

Posted
Posted

Hoose, he say man who walk through airport security gate sideways, going to bangkok

Don't Quote me on that :lol:

 

I am now a rep hunter :lol:

Have I helped, educated, impressed?

Click my scales

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Hoose

Hoose

Posted
Posted

heres aquestion, why do dca's use solicitors called

Swindle & Leggitt Legal Solicitors

 

either they are victims of an identity crisis, or broon has legalised prostitution, and they are sidelining :lol:

Don't Quote me on that :lol:

 

I am now a rep hunter :lol:

Have I helped, educated, impressed?

Click my scales

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Mrs_Ryan

Mrs_Ryan

Posted
Posted (edited)

.........

 

edited for you vf.. sorry.

Edited by Mrs_Ryan
maybe i shouldnt have said it... sorry..

THE PRETENDER AGENDA - August 30,2008 - 2ND ROW!!! WOO-HOO!! :-)

THANK YOU SO MUCH FOR A FAB NITE LEE! xx

Sunderland 011008 - THE BEST BIRTHDAY PRESSIE EVER! 'Aww, it's your birthday! Happy birthday darlin!'

 

02 Apr 2008, 23:55

OfficialLeeRyan wrote:

i like that!! its simple and good and gets the fans involved aswell x x x

 

MY SUCCESSES -

 

1st Credit (Lloyds TSB) admitted no CCA, reply from OFT 130608, reply from FOS 040608, adjudication stage rejected but still no contact....

 

My mate (Littlewoods/Moorcroft)

300608 -Long running battle,threatening court, CCA letter NO 2 and harrassment letter sent - passed back to Littlewoods early July.

070808 - Passed to Debt Managers, Acct in dispute/BOG OFF letter sent 080808...

140808 - Letter from Debt Managers passing debt back to Littlewoods - RESULT! :D

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vincentfan

vincentfan

Posted
Posted

Making fun of your patients and using them in a phone call is out of order

 

Sorry if I sound like a bore ... But that is so not on... That is sick

 

Would you like it if you witnessed your relatives riducled on TV or on a forum??

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Mrs_Ryan

Mrs_Ryan

Posted
Posted

Good morning everyone..

 

It has been brought to my attention that something I am absolutely incredulous at was posted here under my username last night.

Vincentfan, it seems that you saw it and I can only profusely apologise.

I DID NOT, I REPEAT NOT, MAKE THAT POST. I am way too professional and devoted to my job to ever consider coming on a public forum and talking the way the person who posted did. I was in bed when it was written.

I do know who it was, and I am mad at myself for trusting them with my login details. I only did it because I needed them to ask an important banks-related question, as my internet was off yesterday and I needed to know urgently if anyone else was having a problem with their card (posted in the A&L forum) which they did, but they also took it upon themselves to post utter lies made up from the excerpts of a reflective diary I am writing for work. (which they shouldnt have been reading anyway)Thankfully, they came clean this morning and told me what they have written and at least had the sense to delete it but Im very upset that they thought it was funny, it has taken me quite a while to build up repuatation etc and am really hacked off that a so-called friend could try and ruin everything for me.

Once again, Im very sorry.... let the morals of this story be 1)dont give your login details to anyone; and 2) be careful who you trust.

Thanks for listening.

Mrs R xx

THE PRETENDER AGENDA - August 30,2008 - 2ND ROW!!! WOO-HOO!! :-)

THANK YOU SO MUCH FOR A FAB NITE LEE! xx

Sunderland 011008 - THE BEST BIRTHDAY PRESSIE EVER! 'Aww, it's your birthday! Happy birthday darlin!'

 

02 Apr 2008, 23:55

OfficialLeeRyan wrote:

i like that!! its simple and good and gets the fans involved aswell x x x

 

MY SUCCESSES -

 

1st Credit (Lloyds TSB) admitted no CCA, reply from OFT 130608, reply from FOS 040608, adjudication stage rejected but still no contact....

 

My mate (Littlewoods/Moorcroft)

300608 -Long running battle,threatening court, CCA letter NO 2 and harrassment letter sent - passed back to Littlewoods early July.

070808 - Passed to Debt Managers, Acct in dispute/BOG OFF letter sent 080808...

140808 - Letter from Debt Managers passing debt back to Littlewoods - RESULT! :D

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If you need to add something to this thread then

 

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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

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