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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.   
    • Other case law relied upon " On other record of reasons "
    • 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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Hi,

 

I today recieved 4 letters from Marstons high court enforcement rubbish about 4 parking fines based on a vehicle i sold last february. The letters state the following:

 

26/02/10 fine: £80 / Fees: £72.58 and vat total £166.82

17/03/10 fine: £80 / fees: £290.30 and vat total £428.08

25/02/10 fine: £110 / fees £319.18 and vat total £492.74

28/0210 fine: £110 / fees £319.18 and vat total £492.74

 

These are all for a vehicle i sold early february however i used a post office form instead of V5 as lost. Therefore i got a letter when it was re-registered staing that i need to pay a fine which i promptly did. Never got a letter stating change of ownership however as i got the fine i assumed it had gone through and that was end of it.

 

Year on i get these letters and after speaking to Marstons who were very rude basically saying they will force entry and TAKE my goods to cover it.

 

Spoke to DVLA who also said because i dont have the re-registering document i cant do anything although they confirmed i am not the owner. They would not help me any further and after repeating myself like a parrot a thousand times they ended up hanging up on me.

 

I need to know what to do next. Marstons are claiming they will force entry whether i am here or not and take my possessions for fines which are not even mine.

 

The letter says they have a WARRANT OF EXECUTION from northampton council. Also the fines were done in the isle of wight when i live in dorset and have never been to the isle of wight in my life.

 

If i cannot prove that the vehicle is someone else then i will pay the fine but there is no way im paying these charges when i have only just been informed of this (been living here for a year) they have been sending the original letters to my old address apparently and that i should have informed them of my address change... why would i ring a random bailiff company to let them know of my address change incase some fines might come through in the future

 

Help!

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Hi,

 

I today recieved 4 letters from Marstons high court enforcement rubbish about 4 parking fines based on a vehicle i sold last february. The letters state the following:

 

26/02/10 fine: £80 / Fees: £72.58 and vat total £166.82

17/03/10 fine: £80 / fees: £290.30 and vat total £428.08

25/02/10 fine: £110 / fees £319.18 and vat total £492.74

28/0210 fine: £110 / fees £319.18 and vat total £492.74

 

These are all for a vehicle i sold early february however i used a post office form instead of V5 as lost. Therefore i got a letter when it was re-registered staing that i need to pay a fine which i promptly did. Never got a letter stating change of ownership however as i got the fine i assumed it had gone through and that was end of it.

 

Year on i get these letters and after speaking to Marstons who were very rude basically saying they will force entry and TAKE my goods to cover it.

 

Spoke to DVLA who also said because i dont have the re-registering document i cant do anything although they confirmed i am not the owner. They would not help me any further and after repeating myself like a parrot a thousand times they ended up hanging up on me.

 

I need to know what to do next. Marstons are claiming they will force entry whether i am here or not and take my possessions for fines which are not even mine.

 

The letter says they have a WARRANT OF EXECUTION from northampton council. Also the fines were done in the isle of wight when i live in dorset and have never been to the isle of wight in my life.

 

If i cannot prove that the vehicle is someone else then i will pay the fine but there is no way im paying these charges when i have only just been informed of this (been living here for a year) they have been sending the original letters to my old address apparently and that i should have informed them of my address change... why would i ring a random bailiff company to let them know of my address change incase some fines might come through in the future

 

Help!

 

From the charges imposed and that fact that they (apparently) have warrants from Northampton it is clear that these are 4 individual parking tickets issued by the Isle of Wight Council.

 

It would also appear that correspondence for the 4 tickets had been sent to a PREVIOUS address. Therefore, you can apply to the Traffic Enforcement Centre to file 4 Out of Time Applications.

 

Before doing so, you will need to find the PCN numbers. These MIGHT be on the correspondence from Marston Group and will consist of two letters starting with IW followed by 8 numbers. Otherwise you can call the parking office at Isle of Wight council for details and you will need to provide the vehicle registration number.

 

Once you have more details, please post back.

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Make a sworn statement saying you did not own the vehicle on the date of the fines and send it to Marstons and get a certificate of posting from the post office. DO NOT use recorded delivery.

 

If the bailiff ignores the statement and continues to make threats then contact police and make a complaint under Section 1 and 2 of the Protection from Harassment Act 1997 and get a police incident number.

 

If the bailiff admits the vehicle is not yours then capture that admission on tape, use your mobile but NEVER open the door to the bailiff Keep the chain on then call police 999 under Section 2 of the Act.

Professional property investor and conveyancer

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A combination of tomtubby ansdfork-it's advice may be the best plan, TEC declaration to roll fines back to pre enforcement, and then provide evidence you had sold the vehicle prior to the tickets, and also do the Statutory declaration and send to Bailiffs and TEC.

 

If bailiffs continue follow fork-it's further advice and try to trap the bailiff with a recorded call, or video their visit through a window. Do not open the door to them.

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