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    • 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.   
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
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    • 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 
      • 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
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Hi looking for a little advice

 

My mother has been a customer with BAYV for some years now she has several products from them to a walue of £180 every 6 week

 

she is 65 years old and is disabled

 

about 2-3 month ago she found it really hard to keep payments and took the advice of a family friend to just stop paying which she did

 

after a while she offered a reduced payment which she pays every week

 

a few days ago some snotty manager phoned and told her they wanted the goods back - which my brother has sold most of

 

she tried to say she would pay £20 a week but they refused and said they were phoeing the Police

 

now she does not know what to do

 

Can/Will these companys BAYV/Perfect Home get the police involved

and if so what will happen with my mother

 

Thanks in Advance.

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i'd report THEM to the police

 

no they cannot get the police

 

what a load of ole twaddle.

 

its a CIVIL debt.

 

end off.

 

pay what you can

and stuff' em

 

though i think you have other issues that need resolving

 

like the selling of goods that were not hers to sell?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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That is what i thought but she is petrified now incase she gets knocked up and arrested

 

i have told her about getting things for other people on HP

she has learned the hard way i guess this has really annoyed and upset her

and had kept me awake at night wondering what would happen they were really nasty with her

 

she offered to pay £20 a week only a few quid off what they wanted

but they refused point blank

 

i will give her your advice tomorrow and lets hope that is the end of it and she has learned a lesson thanks heaps.

 

She did not sell them she got them for my brother who sold them i think

that is what she is worrying about with them belonging to bayv and him selling them incase they call police for theft.

Edited by Biggie7619
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thats his problem NOT hers

 

but it would be a VERY VERY long way off

 

even though not as such related

it might be of int

for you to read this thread.

http://www.consumeractiongroup.co.uk/forum/showthread.php?309656-Police-arrest-customer-to-allow-Buy-As-You-View-to-seize-goods

 

and other threads in this forum

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Buy As You View.

 

Your so called Family Friend didn't do any favours by telling your Mum to stop paying.

 

Never mind, pay what she can, stay OFF the phone, they have an email address you can use to talk to them, so do that.

Give your brother a kick up the backside putting your Mum in such a difficult position....they are only really nasty on the phone because they think they can get away with it, so unless you are able to record phonecalls, then it is either email or letter.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Thanks Guys for all your advice

 

dx100uk

Re: BAYV and the Police

thats his problem NOT hers

 

but it would be a VERY VERY long way off

 

even though not as such related

 

So they would be able to get the police in for that but it would be my brother who was arrested or am i reading it wrong.

 

Bazooka Boo

Re: BAYV and the Police

Buy As You View.

 

Your so called Family Friend didn't do any favours by telling your Mum to stop paying.

 

Never mind, pay what she can, stay OFF the phone, they have an email address you can use to talk to them, so do that.

Give your brother a kick up the backside putting your Mum in such a difficult position....they are only really nasty on the phone because they think they can get away with it, so unless you are able to record phonecalls, then it is either email or letter.

 

I Think she has learned not to listen to what the family friend says anymore and we have fell out with my brother over this.

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Thank you for letting us know of your concerns. In terms of the legal position, the goods were purchased under a Hire Purchase agreement and as per the Consumer Credit Act, we retain ownership of the goods until they are fully paid for. Full details of the legal situation and payment terms will be on your copy agreement. If you need further information and wish to seek clarification, then we would encourage you to take independent advice from a 3rd party such as your local Trading Standards Office who can give correct advice on the legal position.

However, in order to try and resolve this matter, we can review the situation and arrange to contact your mother to discuss the options available to her. If you can provide me with your mother's name, address and telephone number, then we can review the positin and advise accordingly. You can either send me a private message via this site (please do not post your details on line), or alternatively contact me by email or telephone as below. We look forward to hearing from you shortly.

Linda Davies, Customer Service Director

Email: [email protected]. Tel 07854 000665

 

Hi looking for a little advice

 

My mother has been a customer with BAYV for some years now she has several products from them to a walue of £180 every 6 week

 

she is 65 years old and is disabled

 

about 2-3 month ago she found it really hard to keep payments and took the advice of a family friend to just stop paying which she did

 

after a while she offered a reduced payment which she pays every week

 

a few days ago some snotty manager phoned and told her they wanted the goods back - which my brother has sold most of

 

she tried to say she would pay £20 a week but they refused and said they were phoeing the Police

 

now she does not know what to do

 

Can/Will these companys BAYV/Perfect Home get the police involved

and if so what will happen with my mother

 

Thanks in Advance.

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please keep us informed on this

 

you came here for help

 

dont let the thread die.

 

your replies could help others.

 

barring private info that obv cannot be exchanged on a public forum

 

the rest of the comms should be in the open not

via secret emails .

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

any updates please

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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