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    • 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 "
    • BankFodder
      Evri lost my Ebay parcel £844 - court claim issued

      By BankFodder · Posted

      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

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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

      BankFodder posted a post in a topic,

      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.

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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.

ACS:Law copyright file sharing claims, Gallant Macmillan - and probably some others along the way...

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Guest DJMadMax

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Posted
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It makes you proud to be British when you see the public fighting back against tyranny like this :D

 

 

lol i'm going to try my best to take them down just hope that all the info i now have on them will be good to have in the news paper there coming tomoz :D

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wizzer21

wizzer21

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Has anybody looked at the signature at the end? Surely it would not be signed 'ACS LAW'. I would have thought it would have to be signed by someone considering the seriousness of the claim they are making and not a hand written scrawl saying ACS LAW, and it's a photocopy too. I kmow for a fact that they cannot just come out and ask you to pay £500 to settle out of court when it hasn't even got there. As for writing a LOD, if it is a [problem] surely we would only be writing back to the [problematic] themselves thus showing we have been, partially at least, suckered into the [problem].

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Guest DJMadMax

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Has anybody looked at the signature at the end? Surely it would not be signed 'ACS LAW'. I would have thought it would have to be signed by someone considering the seriousness of the claim they are making and not a hand written scrawl saying ACS LAW, and it's a photocopy too. I kmow for a fact that they cannot just come out and ask you to pay £500 to settle out of court when it hasn't even got there. As for writing a LOD, if it is a [problem] surely we would only be writing back to the [problematic] themselves thus showing we have been, partially at least, suckered into the [problem].

 

 

at this time it is junk mail but it is 100% not a skam there saying it's only done like that as there is so meny to send but dont pay it you sing the form and send it back then you will have to pay it

 

what was the file you was the name of the ment to of downloaded...?

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Guest DJMadMax

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Posted
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it just keeps coming in lol i want to ty all that have helped me get all the info i now have on the i'll let you all know if i have any joy

 

Logistep has issued a statement contending an IP address is not personal information. Company officials could not be reached Friday.

An IP address can indicate the location of a computer but not necessarily who is using it. Several people could share the same computer, which would have one IP address. But ISPs, as well as wireless routers used in home, can also dynamically assign IP addresses, which adds further ambiguity regarding who is using the computer and who may be responsible for illegally activity conducted on the PC.

That means the person paying the bill for the Internet service may end up as the target of the civil proceeding rather than the offender, adding another worrying factor into the lawsuits, Schaefer said.

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wizzer21

wizzer21

Posted
Posted

I am supposed to have uploaded 'Scooter, Jumping all over the world' at 9.05am on a sunday morning. No-one in this house is EVER up let alone on the computer at that time on a Sunday.

I can understand them photocopying the letter as there are so many but the signature should be somebodys, even if it's only on behalf of someone.

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Guest DJMadMax

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Posted
Posted (edited)
I am supposed to have uploaded 'Scooter, Jumping all over the world' at 9.05am on a sunday morning. No-one in this house is EVER up let alone on the computer at that time on a Sunday.

I can understand them photocopying the letter as there are so many but the signature should be somebodys, even if it's only on behalf of someone.

 

like i said it's just a letter to try and make you pay up even if you did not do it.... they can try and make you pay it as much as they want but if it's not a court order it's not even coveing the price of the paper lol

 

File Name:

Scooter - Jumping All Over [2007][CD+2 SkidVid_XviD+Cov]

File Size:

151.88

File ID

F7FD8E0F745.....

 

 

you and 100's overs on this file

Edited by DJMadMax
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car2403

car2403

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Posted
Has anybody looked at the signature at the end? Surely it would not be signed 'ACS LAW'. I would have thought it would have to be signed by someone considering the seriousness of the claim they are making and not a hand written scrawl saying ACS LAW, and it's a photocopy too. I kmow for a fact that they cannot just come out and ask you to pay £500 to settle out of court when it hasn't even got there. As for writing a LOD, if it is a [problem] surely we would only be writing back to the [problematic] themselves thus showing we have been, partially at least, suckered into the [problem].

 

ACS:Law is the legal entity sending out these letters, so it can be signed "ACS:Law" to take effect.

 

There's a common misconception that legal letters such as these require an individuals signature to be effective, but as, in Law, the organisation is recognised as a Legal entity, with rights/duties/obligations, the organisation can send these letters without an individual having signed them.

 

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teddylorry

teddylorry

Posted
Posted

looking at my letter ,they want 500.07 ,now i am new to all this but why do they want me to pay £7 for my ISP ADMINISTRATION COSTS.i am i worng in thinking they want money for the work somone else done.ie giving out my details.

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cashins

cashins

Posted
Posted
so what is the latest action that has happened?

 

None that I can see.

 

I have yet to hear of anyone on here having court papers issued.

 

Interesting that on the website they refer to a US case, (which again is foreign law), and call it a victory for the 'creative industries'.

 

I wonder which particular creative industry they have in mind?

 

David

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Guest DJMadMax

Guest DJMadMax

Posted
Posted
None that I can see.

 

I have yet to hear of anyone on here having court papers issued.

 

Interesting that on the website they refer to a US case, (which again is foreign law), and call it a victory for the 'creative industries'.

 

I wonder which particular creative industry they have in mind?

 

David

 

lol fefer to the US case's... you know why dont you.... thank of the way the US pep's are like there su'ing for dum things and win aka Judge Judy... oooo no my dog jumped becuase your car is to loud so i'm going to su....lol

 

and there law is not the same as in the UK so they can't even go on that

soz.. but there just full of it..

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Guest DJMadMax

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Posted
Posted (edited)
emailed scooter web site to see if they know whats going on

 

 

know if you go on this [edit] you can file all the files being tracked may be you can ask them all if they know there work is being used to trap pep's in this way...

Edited by steven4064
link to commercial site removed - against site rules
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Guest DJMadMax

Guest DJMadMax

Posted
Posted

owell 2pm was told to call ACS:Law back and they will ancer any info i need i'll also be asking if i can rec.. the phone call for when it comes to being put in the paper... lol let see what they'll say then...:D

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lori03

lori03

Posted
Posted

hi

looked at my letter and my file is the same as others, and madmax im actually 56 and can still dance lol but probably not to scooter lol dont even know what they sound like lol

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Guest DJMadMax

Guest DJMadMax

Posted
Posted
hi

looked at my letter and my file is the same as others, and madmax im actually 56 and can still dance lol but probably not to scooter lol dont even know what they sound like lol

 

 

lol keep it up she cant tho.. :|

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mr.ton

mr.ton

Posted
Posted

It would be interesting to see what Scooter themselves have got to say about this as mentioned above...

With all due respect to them..they cant be that good that so many people have downloaded their song? :D

I wonder would Scooter themselves be able to sue ACS:Law for using their name like this? ;)

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Guest DJMadMax

Guest DJMadMax

Posted
Posted

lol there not happy with what i'v found out and they can't say any thing about what i have asked them

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