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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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Confused over new DLA Medical


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Hi, I have had a meeting with the RBL today and they are strongly 'pushing' me to claim DLA.

 

I have read in the paper that there is to be a new medical for ALL DLA claimants. I thought this was normal anyhow, as the people that I know of have all had home visits from ATOS in the past 2 years to assess them. Everyone failed for the same reason ESA claimants are failing - the assessment bears no relationship to what was said or done.

 

Now if this is to be a widespread thing are we in for another mountain of cases going to the Tribunal?

 

If that is the case I for one am not going to put myself through that scenario - had enough with the ESA one!!!

 

ATOS seem to be getting everywhere including under my skin!!

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Greetings Andy,

 

If you have been advised to claim it I would go ahead and do so.

 

RBL is that the royal british legion ?

 

The new medicals are not due to come in until 2014 and like you I am bemused as to what these are

 

We have been told that more will be said in October but I am searching around to find out more.

 

Regards

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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The compulsory medicals do not begin for DLA until 2013, however at the moment if the DCS dealing with a DLA claim feel the claimant should have a medical they can at the moment make the claimant have one. It's not very common though.

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)

 

 

 

 

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Greetings to you PF, yes that is correct - Royal British Legion, a long story why they are looking after me, ex services and all that - did put a full post on here a while back.

Yes I am as confused as you are, that makes two so far!

2014 eh? well that will be a year to remember - 65 then!

OK, they seem to know best so I'll just go along with them.

Thanks for the support.

And yes Hendo (not forgotten you) it's all in a form I suppose. Just don't fancy having to go through another appeal though, in the middle of one now for ESA and it's a right old nightmare!!

 

Thanks to you both

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The compulsory medicals do not begin for DLA until 2013, however at the moment if the DCS dealing with a DLA claim feel the claimant should have a medical they can at the moment make the claimant have one. It's not very common though.

 

Thanks Erika,

 

Maybe that is why my wife had one this year as she is not at all common!!. They insisted!! But love the girl as I do and true to form she told the 'guy' after 15mins to get out of the house because she felt intimidated!! Gee I wish I had been there. I was banished to the shed for the duration of the assessment.

 

All 5' nothing of her and she is the only person that frightens me!!

 

Needless to say that she failed the claim for DLA on the basis that there was insufficient medical evidence.

AND she is refusing point blank to be thought of as a liar by having to prove herself at a Tribunal.

 

She is so honest - too damn honest and straight for her own good sometimes.

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Forgive me if I am wrong here, Andy - is it your wife who doesn't go to the GP? I seem to remember someone posting about that. If so that would have been the reason for the medical. If there is no-one that they can get a report from that reflects recent condition, a medical has to be done. Fat lot of good it does though in most cases!

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)

 

 

 

 

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Forgive me if I am wrong here, Andy - is it your wife who doesn't go to the GP? I seem to remember someone posting about that. If so that would have been the reason for the medical. If there is no-one that they can get a report from that reflects recent condition, a medical has to be done. Fat lot of good it does though in most cases!

 

Hi Erika

Yes that is her!!

 

Last time she went according to the report from the GP (DBD370 N GPFR) was in May 2009. That was only because our GP telephoned her to go in as she was not happy with just handing out Co-Codamol 30/500 at the rate she had been doing. I don't know what happened as my wife would never allow me to go with her. Anyhow, nothing changed and she still gets them on prescription on demand with no further recourse to her.

I've just noticed that on DBD385 they entered that she hadn't seen the GP for over three years!! Ummm somebody is telling porkies!!

 

The actual truth is that the last time she went to the GP for a consultation and to discuss the remedies for her ailments was in 2005!

Never mind, the best bit is on the DLA EMP Report - the 'doctor' wrote that he was 'manhandled physically out of the premises by the claimant and indeed suffered a grazed knee when he fell over a flowerpot'

 

What I would have given to have seen that. My lovely wife, being of Irish stock is not a violent woman but she can put the fear of God in anybody that upsets her!!

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