Jump to content


  • Tweets

  • Posts

    • That "oh dear" doesn't sound good  
    • Oh dear.. Misuse of facility...  Cat 6... No wonder everything is being nuked from high orbit... More in a bit.. 
    • 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 😕    
    • 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.   
  • 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
  • Recommended Topics

Ordering glasses / contact lenses over internet


gyzmo
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5537 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

Has anyone, with a proper prescription of course, ordered glasses or contact lenses over the net? I've read that they can be a lot cheaper than what is available in the high street, but I do have my doubts.

 

Has anyone done this and any problems? I'm particularly interested in anyone who is short sighted and has astigmatism.

Link to post
Share on other sites

Hi gyzmo, I have sucessfully ordered contact lenses, I am short sighted, and purchased daily disposables, cheap, quick postage and great quality. AFAIK they also verified my prescription, do you want me to find out the web address name? Think that the company I use feature on the first page of most searches.

Red

Link to post
Share on other sites

I was wondering how ordering spectacles online works... surely to order them you need to know the distance between your pupils, but this isn't measured by the optician during the eye test, only by the sales staff when you choose your frames. How do you know the measurement? Do you have to measure it yourself? Or is it not needed?

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

Link to post
Share on other sites

I order all my specs online, and sunglasses too, I have astigmatism and am long sighted, they are so cheap it is almost embarrassing, you can also order reactolite ones.

 

The trick is to have your current prescription, and make sure that you know your PD (pupil distance, it is easy to do).

 

http://www.goggles 4 u . c o m

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

Link to post
Share on other sites

forgot to add, that I also have prisms and if you have them you need to make sure that you put what type you have in the box at the bottom, if you cannot read the symbol then just pop into a opticians and ask.

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

Link to post
Share on other sites

What happens though if you do not like them or they are not suitable? DSR shouldnt really apply if its a case of not liking as they are made to order. Do they provide a satisfaction guarantee? Yesterday I tried on about 20 pairs of specs and didnt like any of them. God knows what I would be like ordering online!

Link to post
Share on other sites

  • 3 months later...

Shamelessly resurrects old thread...

 

Gyzmo - did you order any glasses online in the end?

 

I'm in desperate need of a new pair but the last time I went to get a prescription and then looked at glasses, the assistant said the ones I needed would have cost me nearly £200, and that was deducting my NHS voucher. As I said to her at the time, if I could afford that, I wouldn't be on blooming benefits, would I?! She bamboozled me a bit as my presrcition was changing from bog standard long distance lenses to bifocals. I didn't definately need bifocals, just thought it would save me taking my glasses off every time I read (or balancing them on the end of my nose!). Anyway I didn't get new ones at that time, just 'made do'. But now these ones are starting to 'fail' so I really do need to change them.

 

Any way, sorry to waffle... did you??

Link to post
Share on other sites

I was thinking the same thing! I need new glasses, and have worn them for 32 years, and there's no way in hell I can afford to put anything towards them. I think it's so unfair to people that need glasses to see, that you're still expected to pay astronomical amounts of cash for something that is essential to your everyday life.

 

Even when you have your voucher, you're still expected to pay at least $50+ towards the free frames and lenses available. They always find a way of getting your money. I may actually have a proper look into that site above, as if I'm expected to pay towards my glasses, they may work out much cheaper. My last pair cost £190 and I had to borrow money from two people, three years ago, and just about paid them back, as I'm on benefits...

Link to post
Share on other sites

I think the only trouble is that a lot of the online opticians don't take nhs vounchers. It's going to be a case of weighing up how cheap they would be online against how much in a high street store, less the vouncher.

 

Going to make appointment for weekend and see what occurs.

Link to post
Share on other sites

going to try ordering a cheap pair over the weekend as a sort of test, if they come and are the right perscription then ill order a better pair

 

as for compairing cheapness i looked at the site lula recommended

Titanium Memory Metal Frames + Lenses + UV coating + scratch resistant coating + AntiGlare + posting = about £14.50

 

so ill let people know how it goes, just got to find my perscription and messure up a pair of glassed

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

Link to post
Share on other sites

Havent ordered. I got Specsavers to give me 6 months of contacts for free!:D

 

AND! My employer has had to put me in for a H&S eyesight thingy which means I'll get a voucher to spend on some speccies gratis (or not very much of my own dosh anyway). January sales here I come!

Link to post
Share on other sites

  • 1 month later...

forgot to update, been wearing my glasses off the suggested site for the last month now..

 

took around two weeks to arive but ive got a pair of memory metal frames (the sites stopped doing them now im afraid) plus a pair of my lenses, scratch resistant coating, anti glaire (read the sites advertising blurb im not listing all the add ons)

 

got them for little under £19 and two weeks for delivery from pakistan isnt bad

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...