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    • 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.   
    • 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  
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      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.  

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

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      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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Dwp review form.


Mmjan
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Hi all, just need some advice please. i received a phone call at my mothers house from DWP stating that they wanted to complete a mandatory review form over the telephone with my mother. My mother was not at home and the lady said that she would send the form out.

 

Anyone else had these phone calls for a review, any advice appreciated as to why my mother has been asked to complete a review and finally I've never seen such a form so can please anyone tell me what kind of questions the form asks.

 

Thanks in advance.

 

My mother receives income support, SDA and DLA.

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:Mmjan:

 

Can't be sure but I'm guessing this is a routine review of your Mum's benefits by a benefit integrity centre. Absolutely nothing to worry about unless she's inherited a few £1000s that she's not declared to Jobcentreplus.

 

If I've sussed correctly, the questions ask about her finances to ensure she's being paid the correct rates of benefit. The questions also pick up undeclared changes in circs that could affect benefits; remarriage, kids leaving home for uni, rent increases, etcetera, before over (or under) payments get out of control.

 

Regards, Margaret.

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Thank you for the replies. I thinks its an A2 income support review form that my mother will be getting.

 

My mother had her income support stopped in 2010 for apparantly undeclared savings. After a 2 year battle with dwp a reconsideration was done in my mums favour and she received aprox £9500 for arrears of income support and £1300 for arrears of council tax back in June of this year.

 

From this grand figure she has aprox £7500 left, I have receipts for her expenditure. Now my mind is doing overtime, obviously she is over the £6000 limit but am I correct in saying that a disregard of 52 weeks is applied for arrears payments. And surely the dwp know of an arrears payment they themselves have made.

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