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    • 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.   
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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I live in a multi storey flat,ex council.I pay maintenance,buildings insurance to the council,there is a key fob entry system to the building also cctv cameras around it.

My problem is since early last year the door entry system has not been working the doors to the building are always open so anyone can walk in and out of the building,obviously the door system is the responsibility of the council.

people have been coming in,smashing windows,making a mess and painting graffiti on the walls,the lifts have been vandalised as well,this causes a lot of trepidation for some of the pensioners that live here.

As an owner occupier all the council does is send me my proportionate cost of the damage.

The latest bill they have sent me is regards reglazing,the bill is £1848.05

my proportion of the bill is £21.

I have kept all the bills and have paid all that they have asked me too.

Obviously my money is limited but the council pays there part of the bill from the council tax coffers and bill who they can.

If they had the building secure in the first place it wouldnt get damaged and it would be a better environment to live in,I have contacted them regards this and they just say it will be sorted soon.

Is there anything I can do about this I have limited means to keep paying all these extra bills.

Thanks for reading this

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Dont pay it .The council should allways make sure as you say the building is secure.How can you be exspected to keep paying for vandalism.Do the CCCTV cameras work.Sounds like you need wardens there as well.Ithink also i would get in touch with local councillor and also local MP they are there to help you.Which city or town are you in.Perhaps also the local paper may be interested in this unfair charge.You must be feeling very low at the moment and i wish this situation sorts itself out before long.Keep posting of any news.

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Hi tawny,Im in clydebank,west dunbartonshire,the cctv cameras work as we had someone dump an old setee at the bottom of the building and set it on fire recently,they reckon they know who did it as I did ask.The reason I asked them was that back in the summertime someone was ripping off the handles on the fire doors in the building,vandals,I had pointed out to the management we only needed a fire!,the door handles were replaced,fire just damaged woodwork downstairs.There is supposedly community wardens but Ive never seen them.This building is 14 storeys high.

The last communication I had with the council was in november they said there is a new security door system going to be installed,they are currently recladding the building so after that I suppose.

I just wrote an email to the council saying I would pay there bill under duress but I think I will take it a lot further,theyve got some cheek billing me for their ineptitude,doubt I will hear anything till after monday.

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Something for you to read while you are waiting for a reply.Hope it will soon come.Keep trying nag them go have a chat with your local councillor they are interested in what you have to say.They may even throw a cup of tea in, just in case take a flask ,if they dont offer you one offer them one.Will keep a eye on your thread Tawny.

http://www.scottishhousingnews.com/dailynews.asp?week=05/01/2009#H196965

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Thanks tawny,I registered on that site,its quite interesting,still aint heard from that manager at the council I emailed,probably takes them a while to get started after the holidays!! Ill email him again tomorrow if I still aint heard nothing

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I just heard back from the council manager involved,hes cancelled the invoice,hooray for now!!

Robert,

Thank you for the e-mail regarding common repairs to Dalmuir Court .

As you know the external refurbishment of the block commenced during the middle of 2008 and this has resulted in the front and rear entrance doors being used more frequently for access and materials transportation. Inevitably this has resulted in the doors and glazing being damaged to the point where repairs to the doors and security systems are no longer viable. I sympathize and take your point that at the moment the building is not secure and in view of this I will arrange for your invoice to be cancelled.

The 5 security cameras have recently been cleaned and any unsocial behavior should have been picked up by them. I will bring this to the attention of the Housing Officer.

I can also advise you that part of the refurbishment programme includes replacing the 2 entrance doors and fire escape stair doors with “state of the art” high security doors, constructing a laundry room on the ground floor and redecorating the common areas up to level 1.

Regards,

Roy.

so there ya go!!:)

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So glad to hear some good news.Security cameras cleaned and unsocial behavior will be picked up.State of the art doors- laundry room nice place to mix and meet people and hopefully get some community spirit going.I suppose these multi storey flats although full of people can be lonely places sometimes.Sounds like its going to be like Fort Knox soon-safe and secure from the yobs-any vacancies.Bye for now Tawny

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