Jump to content


  • Tweets

  • Posts

    • 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.   
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
        • Like
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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
        • Like
  • Recommended Topics

SONS ex suing for return of "GIFT" anyone help with a defence? FG?


bassking44
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4673 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

WTF? Its actually gone to court? Where Judge Judy?

 

Surely a gift is just that...........a GIFT?

 

Does he have any proof (photographic or otherwise) that she gave it to him?

 

Sorry i cant help further, i'm absolutely gobsmacked!

Link to post
Share on other sites

thanks for replying.yes shes golng to court(but only if he wont go back with her!) honest!shes already postponed twice my son didnt reply to any court papers he was to busy on and off with her then he ran out of time (I did tell him to put a defence in ) anyhow she applied to the court by application for a judgement becos of no defence submitted iv now applied for and got postponement so judge has ordered defence to be submitted by 18/10/10 claimant to reinstate case by 30/11/10 or be struck out. she paid for bike on her credit card and sent him a text saying he was now the owner the keeper document is in his name as is the contract of sale with the bike dealership I wil post up POC later but basically she just says shes the owner as she paid, no finance involvedl she has no evidence except credit card receipt she also claims he took bike away after split "wrongfully" but my son rang police to accompany him and after showing them the documents they said they thought he was the legal owner and let him take the bike away. I personally dont think shes got any chance but i still need a defence other wise she ll get a default judgement which I think is what she was trying for in the first place I will be glad for any help on thisBK44

Link to post
Share on other sites

thanks for replying.yes shes golng to court(but only if he wont go back with her!) honest!shes already postponed twice my son didnt reply to any court papers he was to busy on and off with her then he ran out of time (I did tell him to put a defence in ) anyhow she applied to the court by application for a judgement becos of no defence submitted iv now applied for and got postponement so judge has ordered defence to be submitted by 18/10/10 claimant to reinstate case by 30/11/10 or be struck out. she paid for bike on her credit card and sent him a text saying he was now the owner the keeper document is in his name as is the contract of sale with the bike dealership I wil post up POC later but basically she just says shes the owner as she paid, no finance involvedl she has no evidence except credit card receipt she also claims he took bike away after split "wrongfully" but my son rang police to accompany him and after showing them the documents they said they thought he was the legal owner and let him take the bike away. I personally dont think shes got any chance but i still need a defence other wise she ll get a default judgement which I think is what she was trying for in the first place I will be glad for any help on thisBK44

 

Does he have this text still ? Does he have any proof that she is using this as leaverage to get him back ? which is in effect blackmail and using the courts to enact it !

 

With the Sale agreement being in his name, V5 in his name as keeper etc.. she does not have a leg to stand on I do not think.

 

Submit proof of ownership in the form of the receipt, submit any evidence you have on the blackmail and the text if you have it :)

Link to post
Share on other sites

thanks 2ltr no dont have copy of text phone providers say one can only have copies of texts that are sent from your phone not any you receive but she admits sending it i wrote to her solicitor about the text and they didnt deny sending it which i think is an admission in fact her sol claimed my son sent a reply asking if they were joint owners! (which he didnt) thats proof that her POC is wrong as she claims she is the sole owner! do i use the court docs to put in defence or do I need to put in a witness statement and include solicitors letters as exhibits?etc:!:bk

Link to post
Share on other sites

IN THF COUNTY COURT

CLAIM NUMBER:

BETWEEN:

MISS

CLAIMANT

V

1’1Ip________________

DEFENDANT

PARTICULARS OF CLAIM

1. At all material times the Claimant was and is the owner of and entitled possession to a

Honda motorcycle (registration numbei_— 1f the value of £5,999.

2. On or about 2’ December 2009 at the

Defendant wrongfully took away the said motorcycle.

3. By letter to the Defendant dated 9 March 2010 t Claimant demanded the return of the

said motorcycle, but the Defendant refused ai sti1l refuses to return the same and still

wrongfully detains the same.

4. The value of the motorcycle at the time of purchase in February 2009 was £5,999.

5. The Claimant, in accordance with paragraph 8 of the Practice Direction on Protocols, offered to mediate with the Defendant to avoid court action. This was subsequently refused.

AND the Claimant claims:

i. The return of the said motorcycle; or

ii. Damages limited to £5,999 for its value

iii. Costs

heres POCS claimant relying on POC

Link to post
Share on other sites

Sorry I can't really help other than to say that surely the defence must be the proof of registered keeper equates to ownership with the bike being registered in your son's name. Does your son have evidence of the police visit to collect the bike? I'm not sure if this is correct but can you send a CPR 31.14 for documentary evidence of her ownership?

Link to post
Share on other sites

I'm not an expert on this but....I would state that the item was given as a gift during their relationship. Was it a late xmas present or a birthday present at all (close to the dates ?). The claimant is denied any relief.

 

If it was all transferred into his name then she hasn't got a hope to be honest...have a look at this - http://www.lawiki.org/lawwiki/Imperfect_gift

Link to post
Share on other sites

The Milroy v Lord principle

In milroy vlord 1862, Turner LJ set out the (only) three processes that equity would recognize as establishing a valid gift. These were:

  1. An outright transfer of the legal title to the beneficiary
  2. An outright transfer to trustees to hold on trust for the beneficiary
  3. A self-declaration of trust

Link to post
Share on other sites

hi guys thanks for your replies I was getting worried !! firstly registered keeper isnt proof of ownership, says so on dvla docs but no problem with that as bill of sale is in sons name and registered keeper Dont have any problem proving it was outright unconditional gift what I really need to know is how to present defence do I send in defence form dealing with each item of POC and attache each exhibit or do I send witness statement and exhibits? judge has allowed late defence after claimants application for default judgement and defendants application for postponement and late defence(granted) do I use original court papers or can I just put in a written witness statement accompanied by any exhibits? with copies to claimants sol? hope you can understand this! be so gratefull for any advice:-)bk

Link to post
Share on other sites

  • 1 month later...

I she has put "thanks for replying.yes shes golng to court(but only if he wont go back with her!) honest!" in writing she has cooked her goose! Judge will not look on that very favourably as it is tantamount to blackmail! I don't think she will stand much chance in any court as it was a gift but a defence to that effect needs to be filed.

Link to post
Share on other sites

It just seems common sense to me, somebody gives you a gift/present then it is just that.....otherwise we will see people claiming against each other for Christmas presents they gave to people and then fell out with them !! of course it can on occasions be down to a judge, but common sense should prevail here surely ?

Link to post
Share on other sites

thanks IMO i think her sols are just trying to get him around a mediation table he has a lot to lose she has everything to gain even 50% would be a good result for her, considering she hasnt produced any evidence at all yet not even including herself to give evidence! according to her AQ.waiting to see what she does next after DJ allocates if she discontinues can we claim our costs? her sols have now asked for small claims court.:-)bk

Link to post
Share on other sites

dont know if they have *restated* case as I dont know what it means,does it mean reinstate?? all theyve sent is POC as post #8 back in august, and copy of AQ sent on 16/11/10 one week after 9/11/10 deadline court say they paid AQ fee so it looks like its still on, what happens next?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...