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    • 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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Count Court Claim received MBNA\Optima


vint1954
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Hi Vint, sorry at work so no time to scroll.. was the defence an embarrassed defence?

 

Naughty about the witness statement.

 

S.

 

Hi Shadow,

 

Not realy an embarrased defence. Main defence was surrounding the DN, which was defective on date and requesting full ammount. There was a partial defence on the legibility of the agreement requested under CPR, which was unreadable. They have supplied nothing more but confirmed that the Original does not exist. It was a flyer application form, that could not have had terms on the reverse.

 

Vint

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Hi Shadow,

 

Not realy an embarrased defence. Main defence was surrounding the DN, which was defective on date and requesting full ammount. There was a partial defence on the legibility of the agreement requested under CPR, which was unreadable. They have supplied nothing more but confirmed that the Original does not exist. It was a flyer application form, that could not have had terms on the reverse.

 

Vint

 

Would Harrison v Link come into play there ?

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Hi Vint responding to your PM.

 

Have you asked the Court for a copy of their application/WS there may be a small fee, they should have served you a copy anyway as the application must be made on notice to enable you to respond.

Are you aware of any time frame, how do you know they have made application?

 

 

Andy

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Hi Andy,

 

Thanks for your quick response.

 

I have written and asked their Solicitors for a copy and have coppied my local court in.

 

I was made aware of the application, by Northampton sending me a note to say that the case had been transferred to local court for lifting stay, SJ & strike out of defence.

 

I have heard from my local court today, with notice that the stay has been lifted, with an SJ hearing in 2 months. No other details on the N24, save that they refer to documentation filed.

 

Vint

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Ok well its vital to get hold of that application and any supporting WS. I will run through your thread when I get chance in the meantime it may be an idea to request the Site Team to move this to Legal.

 

Regards

 

Andy

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Ok well its vital to get hold of that application and any supporting WS. I will run through your thread when I get chance in the meantime it may be an idea to request the Site Team to move this to Legal.

 

Regards

 

Andy

 

Thanks Andy

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Start to read up on this Vint you will base your objection along this CPR:-

 

 

 

3.4

The application should be made in accordance with Part 23 and should give the reason for the applicant’s delay in proceeding with or responding to the claim.

(Paragraph 8.2 of Practice Direction 6A contains provisions about service by the court on the claimant of any notice of funding filed with a defence.)

 

Regards

 

Andy

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Yes, Harrison was the Claimant :)

 

I am sure there is another one.. I will try and find some details.

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I assume that if I am reading this correctly, I can apply to have the stay reimposed under Part 3.4 and 23.7

 

Service of a copy of an application notice

23.7

(1) A copy of the application notice

 

(a) must be served as soon as practicable after it is filed; and

 

(b) except where another time limit is specified in these Rules or a practice direction, must in any event be served at least 3 days before the court is to deal with the application.

 

(2) If a copy of the application notice is to be served by the court, the applicant must, when he files the application notice, file a copy of any written evidence in support.

 

(3) When a copy of an application notice is served it must be accompanied by –

 

(a) a copy of any written evidence in support; and

 

(b) a copy of any draft order which the applicant has attached to his application.

 

(4) If –

 

(a) an application notice is served; but

 

(b) the period of notice is shorter than the period required by these Rules or a practice direction,

 

the court may direct that, in the circumstances of the case, sufficient notice has been given and hear the application.

 

(5) This rule does not require written evidence –

 

(a) to be filed if it has already been filed; or

 

(b) to be served on a party on whom it has already been served.

 

Vint

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I have also not been able to find anything on time limits in relation to lifting a stay.

 

25 months seems excessive.

 

Vint

 

 

 

That's because there isn't one. It's at the discretion of the DJ.

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That's because there isn't one. It's at the discretion of the DJ.

 

To add to the above, it's not at all unusual for claims to be stayed for years and then be proceeded with. Ultimately you have suffered no real prejudice by the delay and have taken no steps to lift the stay yourself so I'd be surprised if the application was refused. In my opinion you should be focus your time on the substantive application for summary judgment; that is much more of an issue.

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