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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • LilMissM
      Can I get a Cifas marker removed?

      By LilMissM · Posted

      This is what I have said in my email of complaint:   On 29th November 2023 I took out a loan of £5000 with you. Unfortunately very early into 2024 I have found myself in financial difficulty and I contacted you on 13th February 2024 asking if there was any way I could extend the length of my loan to 36 months and I fully explained why I was requesting this and asked for your help. 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 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 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 remove the Cifas marker and let me make arrangements to pay the loan back through a DMP. If you fail to resolve my complaint within 8 weeks, or if matters are not settled to my satisfaction, I will have no alternative but to refer my complaint to the Financial Ombudsman Service. I look forward to hearing from you. Yours faithfully, Should I send something along those lines to the CEO? 
    • fkofilee
      Can I get a Cifas marker removed?

      By fkofilee · Posted

      Right... Misuse of Facility is a Cat 6 and is considered the worst out of all of the CIFAS Categories for CIFAS Markers.  However lets see what happens when MCB come back to you. Make sure you refer it to the CEO.    IF YOU DONT HAVE A VALID REASON FOR THE ISSUE WITH PAYMENTS ETC - Then the marker will stay.   
    • LilMissM
      Can I get a Cifas marker removed?

      By LilMissM · Posted

      That "oh dear" doesn't sound good  
    • fkofilee
      Can I get a Cifas marker removed?

      By fkofilee · Posted

      Oh dear.. Misuse of facility...  Cat 6... No wonder everything is being nuked from high orbit... More in a bit.. 
    • LilMissM
      Can I get a Cifas marker removed?

      By LilMissM · Posted

      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 😕    

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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Ingeus

Raven1

By Raven1
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antone

antone

Posted
Posted

For my efforts, I got sanction letters from the DWP and was informed that they (yes, multiple sanctions) would remain on file for three months.

 

Yeah, sanctions applied remain in place whether or not you're actually claiming JSA. But no sanction can be applied for a missed appointment on a date for which you have not made a claim to benefit.

PLEASE HELP US TO KEEP THIS SITE RUNNING. EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

The idea that all politicians lie is music to the ears of the most egregious liars.

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antone

antone

Posted
Posted
thats good, i wonder how many people have did this and signed back on a few weeks later or something :)

 

You mean, like, close down your claim the day before any mandatory appointment and make a rapid reclaim the day after? I can't see any technical reason why you couldn't do this, but your benefit payments would be all over the place, and for those who claim HB, it would make a mess of that as well.

PLEASE HELP US TO KEEP THIS SITE RUNNING. EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

The idea that all politicians lie is music to the ears of the most egregious liars.

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joeski

joeski

Posted
Posted
You mean, like, close down your claim the day before any mandatory appointment and make a rapid reclaim the day after? I can't see any technical reason why you couldn't do this, but your benefit payments would be all over the place, and for those who claim HB, it would make a mess of that as well.

 

thats a good point, my friend wants to sign off JSA and go onto ESA so he can get proper help with his anxiety and depression. how long does it take to process an ESA claim?

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antone

antone

Posted
Posted
thats a good point, my friend wants to sign off JSA and go onto ESA so he can get proper help with his anxiety and depression. how long does it take to process an ESA claim?

 

Assuming he has a med cert (fit note) then I'd say it would take two or three weeks, normally. It varies a bit between processing offices. To minimise any delay, he should probably sign on for JSA as normal and close the claim at the same time, then claim ESA the following day. That way he'd at least get his last JSA payment on time.

 

If he decides to go down this route he must, of course, comply with all JSA requirements until he closes his claim.

PLEASE HELP US TO KEEP THIS SITE RUNNING. EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

The idea that all politicians lie is music to the ears of the most egregious liars.

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joeski

joeski

Posted
Posted
Assuming he has a med cert (fit note) then I'd say it would take two or three weeks, normally. It varies a bit between processing offices. To minimise any delay, he should probably sign on for JSA as normal and close the claim at the same time, then claim ESA the following day. That way he'd at least get his last JSA payment on time.

 

If he decides to go down this route he must, of course, comply with all JSA requirements until he closes his claim.

 

i'll tell him, he is finding going ingeus very stressful and the advisors there are not helping one bit :(

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antone

antone

Posted
Posted
i'll tell him, he is finding going ingeus very stressful and the advisors there are not helping one bit :(

 

The WP advisers are not particularly helpful, no. Just make sure he knows that for the first couple of months of his ESA claim, every day must be covered by a sick note from his GP or other doctor.

PLEASE HELP US TO KEEP THIS SITE RUNNING. EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

The idea that all politicians lie is music to the ears of the most egregious liars.

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joeski

joeski

Posted
Posted
The WP advisers are not particularly helpful, no. Just make sure he knows that for the first couple of months of his ESA claim, every day must be covered by a sick note from his GP or other doctor.

 

i will tell him and i will also advise him not to close his JSA claim down yet although he probably won't listen as he just can't cope with ingeus anymore, i know you can apply for ESA online so im guessing once he has completed the ESA form he'll have to print it off and send it to the jobcentre along with the sick not from his doctor?

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Mr.P

Mr.P

Posted
Posted

Claiming ESA will not release him from the clutches of Ingeus - He will still have to attend mandatory appointments and suffer the usual range of useless/worthless activities or risk being sanctioned. He couldn't be mandated to apply for or take up employment, but that is only a small concession..

 

Probably not the news he wants to hear.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

No... you can't eat my brain just yet. I need it a little while longer.

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joeski

joeski

Posted
Posted
Claiming ESA will not release him from the clutches of Ingeus - He will still have to attend mandatory appointments and suffer the usual range of useless/worthless activities or risk being sanctioned. He couldn't be mandated to apply for or take up employment, but that is only a small concession..

 

Probably not the news he wants to hear.

 

 

thats bad news but at least his doctor mite be able to refer him to someone who is a little more qualified than an ingeus advisor, also my friend is worried about how he would explain it to his doctor :/

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boomboomboom

boomboomboom

Posted
Posted

i got a JSA28 form through today for phoning in sick at ingeus 2 mondays ago and its asking for give brief details of your sickness i told my adviser a was sick and cant remember if i sayed diarrhea to so would i put down i had a sickness bug with diarrhea? or do u need to write out a long paragraph on the JSA28 letter

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joeski

joeski

Posted
Posted
i got a JSA28 form through today for phoning in sick at ingeus 2 mondays ago and its asking for give brief details of your sickness i told my adviser a was sick and cant remember if i sayed diarrhea to so would i put down i had a sickness bug with diarrhea? or do u need to write out a long paragraph on the JSA28 letter

 

no just a few sentences will do, my friend has filled a few out and he didn't write that much on them :)

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boomboomboom

boomboomboom

Posted
Posted
no just a few sentences will do, my friend has filled a few out and he didn't write that much on them :)

 

so if i wrote "i had a sickness bug with diarrhea and headache"

that would be fine yeh?

 

i guess u dont get sanction as u are aloud sick days off? i have been payed my jsa allowance so should everything be ok?

 

do they write back to when u have sent the forum back to them or not?

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joeski

joeski

Posted
Posted
so if i wrote "i had a sickness bug with diarrhea and headache"

that would be fine yeh?

 

i guess u dont get sanction as u are aloud sick days off? i have been payed my jsa allowance so should everything be ok?

 

do they write back to when u have sent the forum back to them or not?

 

yes that should be fine and if your JSA has been payed as normal then you should be ok. yes you do get a letter from them basically conforming they have received it.

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boomboomboom

boomboomboom

Posted
Posted
yes that should be fine and if your JSA has been payed as normal then you should be ok. yes you do get a letter from them basically conforming they have received it.

 

yeh got payed today for signing on during the week. do they say much on the letter u get? or is it just we have received your letter nothing else?

just hope nothing happens cant do with any money stopping as this is my first ever jsa28 i have been sent out to me for the years i have been on jsa.

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joeski

joeski

Posted
Posted
yeh got payed today for signing on during the week. do they say much on the letter u get? or is it just we have received your letter nothing else?

just hope nothing happens cant do with any money stopping as this is my first ever jsa28 i have been sent out to me for the years i have been on jsa.

 

you can only use a JSA 28 twice is any one year and from what i remember the letter my friend received back from the jobcentre started with something along the lines of 'you told us you were sick between these dates', i can't remember what else it said but i know it was basically information about when your sick and if you are sick again in the future.

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boomboomboom

boomboomboom

Posted
Posted
you can only use a JSA 28 twice is any one year and from what i remember the letter my friend received back from the jobcentre started with something along the lines of 'you told us you were sick between these dates', i can't remember what else it said but i know it was basically information about when your sick and if you are sick again in the future.

 

long it take for them to send the letter out?

i guess your friend has never had any sanction etc when he has filled out the jsa28 saying he was sick etc?

yeh a heard twice a year this is my first i have ever had one and i have signed on for a few years.

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joeski

joeski

Posted
Posted
long it take for them to send the letter out?

i guess your friend has never had any sanction etc when he has filled out the jsa28 saying he was sick etc?

yeh a heard twice a year this is my first i have ever had one and i have signed on for a few years.

 

usually a week or so after you submit the JSA 28, my friend has been sanctioned just lately but its not to do with a JSA 28..he missed an advisors appointment because they didn't inform him until after he went on holiday.

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boomboomboom

boomboomboom

Posted
Posted
usually a week or so after you submit the JSA 28, my friend has been sanctioned just lately but its not to do with a JSA 28..he missed an advisors appointment because they didn't inform him until after he went on holiday.

 

Well al wait and see what they send back to me.

Aww I see so he's never been sanctioned for been off sick and filling out jsa28, u work? Or u unemployed?

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joeski

joeski

Posted
Posted
Well al wait and see what they send back to me.

Aww I see so he's never been sanctioned for been off sick and filling out jsa28, u work? Or u unemployed?

 

no never for sickness, im unemployed unfortunately and me and my friend both have the misfortune of having to attend ingeus. how about you?

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boomboomboom

boomboomboom

Posted
Posted
no never for sickness, im unemployed unfortunately and me and my friend both have the misfortune of having to attend ingeus. how about you?

 

Aww good good, yeh am unemployed also and have to attend Ingeus this is my first time they have ever let the job centre know a was off sick, u been sick on an Ingeus and call to say u couldn't attend?

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joeski

joeski

Posted
Posted
Aww good good, yeh am unemployed also and have to attend Ingeus this is my first time they have ever let the job centre know a was off sick, u been sick on an Ingeus and call to say u couldn't attend?

 

my friend has called them sick, they said they would get his advisor to call them back but the call never came. my friend mite be going on ESA as his anxiety is getting bad :(

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PandaPawPaw

PandaPawPaw

Posted
Posted

I've been having a tough time and ended up getting so low to the point of getting bad suicidal thoughts and really in bad shape. My GP said I need to get well again so signed me off for 2 weeks and I sent off the sick note.

 

Will this have any effect as if Ingeus tell me to do anything then will my sick note do any good? I queried this with my GP and he said no they can't make you do anything.

 

The manager emailed me directly on Friday as I left her a letter from my GP so I don't know if she will be able to help. I can't go on any further right now do to being in very bad shape and need some time at least to recover. Either that or I just top myself.

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boomboomboom

boomboomboom

Posted
Posted
my friend has called them sick, they said they would get his advisor to call them back but the call never came. my friend mite be going on ESA as his anxiety is getting bad :(

aww i see when i called they just sayed they would get another appointment out to me.

aww has he? poor guy a think he would have to go on ESA

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