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    • 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  
    • 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.   
    • Other case law relied upon " On other record of reasons "
    • Page 2 – document 10 and 11 – you should include the fact that it is a Law reform commission report. Best to give it its full name if you can I suggest that you move paragraph 10 up to the first position – paragraph 5 and move everything down. I think other than that – it is good to go. I suggest you don't bother to do any more drafts. Simply rearrange the paragraphs as I suggested above then the title of the documents that you are relying on in the index page. Send it off and post your final version here so that everybody can see. I'm sorry about the delay. Thanks for reminding me
    • I have recently found myself in financial difficulties and with the help of forum members in another thread regarding this, I think I can get myself sorted. My query here is how to deal with a Cifas marker that has been logged against me by one of my creditors for "evasion of payment". Admittedly yes I did get a £5000 loan with them and have not paid any payment but at the start of the year, which is when the loan landed, I realised I was going to be struggling to repay that and other debts and I contacted MCB to ask if there was any way I could extend the loan from 24 months to 36 months. I explained my situation and that I was going with a DMP and asked them if they could help me with this. They did not reply. I then emailed them again a month later explaining that my DMP was going ahead and could they confirm that the direct debit was indeed cancelled. Again, they did not reply. The DMP fell apart and so did everything else thereafter. My bank withdrew my overdraft and said I could not stay with them (I thought initially that it was because of the DMP) so I opened another account (Starling) and set up all my direct debits etc with the new bank. A month into being with the new bank, they contacted me and said they were closing my account in three months. So I started applying for other basic accounts and every single one of them either refused or revoked.  Through the help in the other thread, I requested a SAR from Cifas and discovered that I have this marker against my name for "evasion of payment". I have logged a complaint with MCB on the advice of other forum members, but my query really is do you think the marker is fair given that I did ask them for help and I did explain that I was going to be struggling financially to repay the loan over the original two years, and is there any way that I can get it removed? I fully admit that I have yet to make a payment to them and I suppose in my naivety and panic I thought if I emailed them early on they could extend the loan and help me out, but they didn't even reply  I did manage to open an account with Monzo before the marker was in place, but I am very concerned that if Monzo do what Starling did, I will have no bank account to pay my bills or get my wages paid into.  Realistically based on the information I have given here, what do you think my chances are of getting this marker removed? Any help/advice on this would be greatly appreciated x
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can it be challenged?


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No.

 

 

yes you can

 

 

you can claim on these grounds

 

Incorrect or Missing Traffic Orders

Incorrect or Missing Signs

Successful appeals to the adjudicators

 

 

 

Some councils are claiming that by paying a Penalty Charge Notice you 'accepted' the contravention and therefore you are not entitled to a refund. NOT THE CASE.

 

 

post what circumstaces of ticket and I will get back to you.

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yes you can

 

 

you can claim on these grounds

 

Incorrect or Missing Traffic Orders

Incorrect or Missing Signs

Successful appeals to the adjudicators

 

 

 

Some councils are claiming that by paying a Penalty Charge Notice you 'accepted' the contravention and therefore you are not entitled to a refund. NOT THE CASE.

 

 

post what circumstaces of ticket and I will get back to you.

 

You cannot challenge a PCN you can only challenge a NTO, it is not until a NTO is issued that the Council has any legal obligation to accept representations. A NTO will NOT be issued once you have paid, therefore the Council is not obliged to listen to anything you say regarding the paid PCN.

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You cannot challenge a PCN you can only challenge a NTO, it is not until a NTO is issued that the Council has any legal obligation to accept representations. A NTO will NOT be issued once you have paid, therefore the Council is not obliged to listen to anything you say regarding the paid PCN.[/quote

 

This info is outdated.

 

Sorry G&M im not here to put you down im here to inform

 

 

There are some cases going on and a new legal opinion will be freely available soon, regarding pcn's just watch out for it.

 

For now BaldyBaldwin go for the reclaim on your ' illegaly isuued parking ticket'

you have nothing to loose.

 

 

post if you need help.

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You cannot challenge a PCN you can only challenge a NTO, it is not until a NTO is issued that the Council has any legal obligation to accept representations. A NTO will NOT be issued once you have paid, therefore the Council is not obliged to listen to anything you say regarding the paid PCN.[/quote

 

This info is outdated.

 

Sorry G&M im not here to put you down im here to inform

 

 

There are some cases going on and a new legal opinion will be freely available soon, regarding pcn's just watch out for it.

 

For now BaldyBaldwin go for the reclaim on your ' illegaly isuued parking ticket'

you have nothing to loose.

 

 

post if you need help.

 

Legal opinion has nothing to do with it, the law (RTA 1991) is quite clear representations can ONLY be made to a NTO unless of course you can show me otherwise? You can try and sue the Council for the money you paid but you cannot challenge a paid PCN.

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Legal opinion has nothing to do with it, the law (RTA 1991) is quite clear representations can ONLY be made to a NTO unless of course you can show me otherwise? You can try and sue the Council for the money you paid but you cannot challenge a paid PCN.

 

 

yes it has and it will be made public in due course which will change this, like I say BaldyBaldwin

 

you have nothing to lose regardless of the debate here

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yes it has and it will be made public in due course which will change this, like I say BaldyBaldwin

 

you have nothing to lose regardless of the debate here

 

 

Why is it not public now surely its not secret if its going thru the Courts!? Why won't you explain the legislation that allows a representation without a NTO and after payment has been made? You must know more than NPAS, PATAS and the Dept of Transport put together!

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Why is it not public now surely its not secret if its going thru the Courts!? Why won't you explain the legislation that allows a representation without a NTO and after payment has been made? You must know more than NPAS, PATAS and the Dept of Transport put together!

 

there is a process going on at the moment that will establish that you can reclaim on an incorrectly issued pcn.

 

Now I repeat Im not here to put anyone down, G&M you are on a big forum and probably respected by all , 170000 members cant be wrong

 

However ive done my homework and i know this is happeneing.

 

F### me do you think ive made it up, come on, show a little restraint on this.

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Ill put my doubt to one side for a moment then, so can you please explain the process for myself and BaldyBaldwin. There seems little point in advising people to do something and not explain how?

 

if you dont have the ticket, under the data protection act, ask for a copy of your ticket (before you say it green, yes they do keep copies)

 

If the ticket is non compliant with the dates , MOSES V BARNET (Judge Jackson stated that 'no financial liability arises from a non-compliant PCN.' ) you can claim on a pcn

 

or on the grounds of the following

 

 

Incorrect or Missing Traffic Orders

 

Incorrect or Missing Signs

 

Successful appeals to the adjudicators

 

and there are plenty of them

 

 

Make a reqest in writing and claim a refund. The main thing is if the PCN was non compliant for whatever reason you can claim.

 

do it in writing use the data protection act, and the freedom of information act to obtain traffic orders etc.

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if you dont have the ticket, under the data protection act, ask for a copy of your ticket (before you say it green, yes they do keep copies)

 

If the ticket is non compliant with the dates , MOSES V BARNET (Judge Jackson stated that 'no financial liability arises from a non-compliant PCN.' ) you can claim on a pcn

 

or on the grounds of the following

 

 

Incorrect or Missing Traffic Orders

 

Incorrect or Missing Signs

 

Successful appeals to the adjudicators

 

and there are plenty of them

 

 

Make a reqest in writing and claim a refund. The main thing is if the PCN was non compliant for whatever reason you can claim.

 

do it in writing use the data protection act, and the freedom of information act to obtain traffic orders etc.

 

And expect a cheque by return post no doubt! :rolleyes:

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You are confusing two different matters the OP wanted to challenge a paid PCN which you cannot do, you are confusing this with claims for restitution for PCNs with one date which are dealt with by suing the Council thru the County Court (which if you read MY post I mentioned a while back :rolleyes: ). The whole point of decriminalising parking was to remove the process from the Courts, which is why the staute is worded the way it is. The PCNs that some are trying to get back thru restitution have already been ruled invalid, so no challenge is needed. To challenge a PCN for lack of signage etc would need the Courts to rule on the contravention itself which they have no legal juristriction over.

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You are confusing two different matters the OP wanted to challenge a paid PCN which you cannot do, you are confusing this with claims for restitution for PCNs with one date which are dealt with by suing the Council thru the County Court (which if you read MY post I mentioned a while back :rolleyes: ). The whole point of decriminalising parking was to remove the process from the Courts, which is why the staute is worded the way it is. The PCNs that some are trying to get back thru restitution have already been ruled invalid, so no challenge is needed. To challenge a PCN for lack of signage etc would need the Courts to rule on the contravention itself which they have no legal juristriction over.

 

 

not confused, like I said earlier a legal opinion was commissioned that you could reclaim on paid pcn's other than restitution, and a high court action is ongoing I believe by neil herron and his legal team to establish a presidence on this. It is NEW info so stop hijaking.

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You are confusing two different matters the OP wanted to challenge a paid PCN which you cannot do, you are confusing this with claims for restitution for PCNs with one date which are dealt with by suing the Council thru the County Court (which if you read MY post I mentioned a while back :rolleyes: ). The whole point of decriminalising parking was to remove the process from the Courts, which is why the staute is worded the way it is. The PCNs that some are trying to get back thru restitution have already been ruled invalid, so no challenge is needed. To challenge a PCN for lack of signage etc would need the Courts to rule on the contravention itself which they have no legal juristriction over.

 

not confused, like I said earlier a legal opinion was commissioned that you could reclaim on paid pcn's other than restitution, and a high court action is ongoing I believe by neil herron and his legal team to establish a presidence on this. It is NEW info so stop hijaking.

 

 

and the reason that I have posted this is because some councils have been taken to the small claims cours AND have settled. Most authorities KNOW of this and are paying to keep quiet. Firstly consider the fact that P.A'S are poorly trained and poorly paid and the fact that many thousand fraudulant, or incorrect tickets have been issued, this could add up to millions of pounds for a local authority something they possibly cannot afford to pay.

SO if you have had a pcn in the last 6 years and you now know it was wrongly issued , write to the issuing authority state your case and ask for a refund. they will most probably pay to shut you up.

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not confused, like I said earlier a legal opinion was commissioned that you could reclaim on paid pcn's other than restitution, and a high court action is ongoing I believe by neil herron and his legal team to establish a presidence on this. It is NEW info so stop hijaking.

 

 

Can't wait to see the details, who is going to deal with these appeals since they are outside the juristriction of NPAS/PTAS or do you simply have to go to the High court each time?

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  • 2 weeks later...

thanks for the help nero, sorry about the belated reply, but have been busy working away.

i should have put more meat on my original post, but the story goes like this.. my son pulled into a loading bay, read the extensive and complecated signage decieded he could he could not stay there so drove away, was there 24 seconds ,as proved by the cctv pictures they have sent him. he went back to uni, forgot about the pcn, it has now gone legal and will cost me 155 pounds, which i paid as we were out of time to appeal.

have subscribed to the website run by Neil Herron Parking Appeals ... helping motorists to successfully appeal their parking tickets ... and get refunds for the ones already paid apparently you cant appeal the ticket but you can persue the local authority for a refund if you can prove the contrevention did not take place.

:mad:LF53
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thanks for the help nero, sorry about the belated reply, but have been busy working away.

i should have put more meat on my original post, but the story goes like this.. my son pulled into a loading bay, read the extensive and complecated signage decieded he could he could not stay there so drove away, was there 24 seconds ,as proved by the cctv pictures they have sent him. he went back to uni, forgot about the pcn, it has now gone legal and will cost me 155 pounds, which i paid as we were out of time to appeal.

have subscribed to the website run by Neil Herron Parking Appeals ... helping motorists to successfully appeal their parking tickets ... and get refunds for the ones already paid apparently you cant appeal the ticket but you can persue the local authority for a refund if you can prove the contrevention did not take place.

 

 

Prove to who? The only course of action is to go to adjudication as I've stated before but they cannot deal with paid tickets.

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according to neil herron that is not the case, i had a long phone conversation with them today and apparently you can persue them(the local authority)i am looking into it further and will keep you updated

:mad:LF53
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Prove to who? The only course of action is to go to adjudication as I've stated before but they cannot deal with paid tickets.

 

 

 

Green like I said before stop hijacking this one, neil herron and his legal team have challenged ,this legal team commissioned an opinion that states you 'can' challenge a wrongly issued pcn when paid through the small claims court, I have spoken to him personally on this and certain authorities have paid up.

He is going to take a number of cases to be heard in the high court to set a precedent.

 

If you are still unsure or are not convinced, speak to the bloke he will put you right.

 

so pleeeeease pipe down on this one, stop encouraging people 'not to challenge'

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this legal team commissioned an opinion that states you 'can' challenge a wrongly issued pcn when paid through the small claims court, I have spoken to him personally on this and certain authorities have paid up.
some details of these wins would help in this argument...
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some details of these wins would help in this argument...

 

 

 

hello HSB CRUSHER

 

blimey, G and M and the mods,

 

Sadly I am but a layman also I do not have access to court details of successful reclaims however....

 

if I gave you his buisness number and email address, talk to or email neil herron, find out for yourself.(these are public by the way) Im sure he will be more than happy to help and explain the situation, he may give you successful examples which you may be able to make public.

 

Then, when and if you have been convinced, encourage people to challenge . After all this is what this forum is all about.................. isn't it?

 

Best wishes.icon7.gif

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well said niro, if the work of neil herron and his team is succesful it will do to local authorities what CAG has done to banks, and as such, should be encouraged and supported

 

 

Maybe if the mods jump aboard there could be a sticky here!!!

 

and a nod to neil herron, a decent bloke if ever I met one.icon7.gif

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