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    • Ok how about this to the CEO? I know it sounds super desperate but lets call a spade a spade here, I am super desperate: Dear Sir, On 29th November 2023 I took out a loan of £5000 with you. Unfortunately very early into 2024 I found myself in financial difficulty (unexpected bills and two episodes of sickness and the tax office getting my tax code wrong resulting in less pay for two months) and I contacted you (MCB) on 13th February 2024 asking if there was any way I could extend the length of my loan to 36 months. I fully explained why I was requesting this and asked for your help. I did not receive a reply to that email so 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 only managed to make one payment from my loan but did try and contact MCB to discuss extending my loan, help etc.  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 appreciate it is a business and you have acted accordingly, but I did try to make contact to arrange alternative arrangements and at no point, not even to this day, did I ever intend to not repay my loan. 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, please remove the Cifas marker and let me make arrangements to pay the loan back through a DMP.  Please sir, I am begging for your help here. I am not a dishonest person and I have never been in a situation like this before. I am desperately trying to make things right but this marker is killing me. Please can you help me? I look forward to hearing from you. Yours faithfully,
    • Just be careful with your language on what you post here - Keep it above board Lets see what you send to the big boss. 
    • I made that payment on 13th Feb, then it all went down hill. 
    • Massive potentially that payment has been made in some form as accompanying evidence to your financial difficulties.  And yes, but add some more zing to the email if it goes to the CEO - You need to make them understand what they have done. And telling the CEO  / MD of the biz what their actions have done to you - It adds to the complaint weighting.    
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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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      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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fighting for disabled housing


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Hi

 

Currently I'm fighting my council for suitable adapted housing. We've been at the top of the housing list for years watching suitable houses going to able bodied families. I don't think my council likes housing disabled people.

 

Papers are at the barristers for judical review after years going through the "proper complaints procedures" and getting exceptionally bad support/advice from local councillors, MP and LGO and the local Shelter.

 

Finally they "may" offer us a house, "if" they can get the funding and "if" they can get planning permission for a "possible" extension and finally "if" the housing association it belongs to is prepared to do without rent for at least six months while the funding is allocated and work done. And they will not have the funding till atleast April.

 

Is it me or are they taking the p***?

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  • 3 weeks later...

Just goes to show how different councils work. My wife and I were both disabled after a traffic accident. Our home at that time was no longer suitable. We were assessed by council and were immediately put at the top of list for disabled and seriously ill applicants. I was informed that we would require a two bedroomed single floored home. a wet room in place of a normal bathroom and doors suitable for my wifes wheelchair. Within six weeks we were informed that a two bedroomed bungalow would be available in two weeks when relatives of previous tenant had cleared the house(tenant moved to care home). I asked how long to make this suitable answer they would install wet room as soon as house cleared and keys handed in, the doors of all their two bedroomed bungalows were built to allow for wheelchairs. So ten weeks after coming out of hospital we were in our bungalow, just had to wait another six weeks for completion on sale of old home. The council could not have been more helpful. I was very surprised to be told by council that we qualified for housing when we owned our own home only to be told that we were not considered to be making ourselves homeless due to the circumstances of the accident.

 

This occured approx 8 years ago.

 

dpick

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Just goes to show how different councils work. My wife and I were both disabled after a traffic accident. Our home at that time was no longer suitable. We were assessed by council and were immediately put at the top of list for disabled and seriously ill applicants. I was informed that we would require a two bedroomed single floored home. a wet room in place of a normal bathroom and doors suitable for my wifes wheelchair. Within six weeks we were informed that a two bedroomed bungalow would be available in two weeks when relatives of previous tenant had cleared the house(tenant moved to care home). I asked how long to make this suitable answer they would install wet room as soon as house cleared and keys handed in, the doors of all their two bedroomed bungalows were built to allow for wheelchairs. So ten weeks after coming out of hospital we were in our bungalow, just had to wait another six weeks for completion on sale of old home. The council could not have been more helpful. I was very surprised to be told by council that we qualified for housing when we owned our own home only to be told that we were not considered to be making ourselves homeless due to the circumstances of the accident.

 

This occured approx 8 years ago.

 

dpick

 

 

Excellent however are you implying that if the accident had been your fault the council would have decided you had made yourself homeless & not assisted you:eek:

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It is nice to know not all councils are bad.

 

Babybear, ring back social services and ask them for a date when your assessment will take place and find out who deals with it. From experience it is very easy to get lost in the system, unfortunately it is necessary to remind social services that you are there and need their help.

 

Good Luck

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