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 
      • 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

Cleaning agency - I need advice


mary_81
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4341 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

Hi everybody,

 

I am a 6-month pregnant woman with a 3-year-old toddler at home. In February this year I contacted a cleaning agency in order to have a cleaning lady help me out a little bit in the house once a week.

 

The service was mediocre (furniture barely cleaned, dust in every corner) but at least it was a relief to have someone once a week give me a hand.

 

What really annoyed me was the lack of punctuality of the cleaning ladies, when they were supposed to be at my place every Fri from 14-16 hs, they would arrive at 14h15, 14h20, even at 15h00 once, not that they did less time, they would always stayed the two hours that were needed, but everytime I needed to suit myself to be home and open the door for them, and if I had other things to do then I would be stuck at home waiting for them (that would not even give a phone call saying that they were late).

 

I had already complained about this issue when one day the cleaning lady totally stood me up and I was supposed to go get an ultrasound scan which of course I was late for. Two weeks ago I thought that enough was enough, the cleaning lady arrived late and I had another medical appointment, so I did not wait.

 

When she called me to ask me where I was cause she was ringing at my door and nobody was answering, I told her to go home, that I would contact the agency cause I was fed up. I emailed the person in charge asking her to cancel my contract with them immediately and I explained why. She did not even care to answer my email.

 

I read the contract and I was supposed to send a certified letter announcing the cancelation of the contract and I did. Only then I got an answer from the agency saying that they had "left me a voice mail" (not true) saying that I should have warned them about my disatisfaction with their services (I did warn them) and that it was not the lady's fault that her train was late.

 

Now they are asking me to pay a fine for finishing the contract without three month's notice and I am just so angry. My husband says that we should just pay the damn fee and get it over with but I want to write a complaint letter saying how unprofessional I find their answer of "if the train is late it is not her fault".

 

Could anyone help me word this letter in the most categorical way? I want these people to feel bad, even if I have to pay their fine.

 

I appreciate your help and advice. Mary.

Edited by honeybee13
Editing in some spacing for ease of reading.
Link to post
Share on other sites

Hi mary

 

Welcome to CAG

 

The guys will be happy to advise as soon as they are available.

 

Please let us know how your problem has been resolved, it could help fellow Caggers.

 

Thread has been moved to the correct forum.

Link to post
Share on other sites

Hi, thanks for answering. Indeed the contract states that in order to finish my contract I am obliged to a 3-month-notice or to the payment of "termination of contract" fees. I wanted to get to know the cleaning lady first before giving them a set of keys to my house, that's why I had to be home when they would arrive. I know that at the end I would have to pay the fine they are asking for, but what annoys me is the nerf with which they answered my letter, basically is like it is my fault I am finishing the contract. I feel that they did not respect the terms of the contract with me (a cleaning lady once a week, 14-16 hs), and I find it hard to believe that I still have to pay a fine. I want to write a letter that says that they provide such a poor service that they cannot even guarantee the punctuality of their employees to the client, and that much more courtesy is expected from a person in charge.

Link to post
Share on other sites

Hello again.

 

Thank you for that.

 

You say that they blamed the trains; is this a problem where you live, would you say? And did you tell them you weren't happy with the standard of cleaning?

 

Does the contract contain anything about how they were supposed to carry out their role, or remedies if the service wasn't up to scratch please?

 

HB

Illegitimi non carborundum

 

 

 

Link to post
Share on other sites

Hi HB,

There is no problem with the trains in general, but sometimes they can be late, it has happened to me. However, if it happens systematically then it is not ok, is it? I was not satisfied with the standard of cleaning but I never complained and I am not planning to right now, it is over. The fact that the lack of punctuality annoyed me so much has to do with the fact that the service was not excellent, but what really broke the camel's back was the fact that I missed an appointment and almost missed a second one, that is why I decided to terminate the contract. The lady in charge argues that I did not warn them about my being disatisfied with the lack of punctuality but it is not true, I did. If I was in her position I would apologize because it is the fault of the agency that they cannot manage their employees properly, but instead of doing so she blames it on the trains, and that is the end of the story (according to her).

Thank you

Edited by mary_81
Link to post
Share on other sites

Personally, I doubt they would be much they could do if you told them to go whistle for their money... I doubt it would be enough for them to take you to court over. I would write to them, state that they broke the contract by not being punctual and keeping within the agreed times. If they want this money, they can take you to the county court where you will defend and let the judge decide.

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

Click here if you fancy an email address that shows you mean business! (only £6 and that will really help CAG)

 

If you can't donate, please use the Internet Search boxes on the CAG pages - these will generate a small but regular income for the site

 

Please also consider using the

C.A.G. Toolbar

Link to post
Share on other sites

I agree with the last post, there is probably little more you can do with further correspondence.

 

You could write and say that as they breached THEIR contract with you, their fees are not payable, point out that if they are going to pursue legal action then you expect them to follow the CPR Pre-Action Protocol provisions (they are designed to give both parties a last chance to resolve any dispute).

 

I dont believe that train times have much relevance, most of us have to get to work on time (or face disciplanry action), if ever Im going to be late I let my company know.

 

Andy

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...