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    • 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? 
    • 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 😕    
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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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Volunteering work & negotiation for minimum wages


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Hi all,

 

Due to sickness I am trying to get a one day per week volunteering work.

 

However, all I have found are organizations that want me to work for full time (I have not told them about my sickness (chronic headache)).

 

Obviously, for the purpose to take zero risk, these potential employers want me to develop a software for them (since my previous jobs involved information technologies skills)....but all free.

 

Since I really do not know the rules for the volunteering work, i would like to know if i have to sign a contract (even they will not pay me) and have a mandatory period for working for them.

 

Presently I am claiming for Employment and Support Allowance (not received yet) (but may switch in next weeks to JSA if my health improve a bit more) and also I would like to know if the Department of Work and Pension will not refuse my benefits if i work full time or even once a week for volunteering work (2 months for software development).

 

Thanks in advance for your help,

 

Ps: All the three potential different employers I have found told me that the volunteering work could lead to a job.

Edited by MoonTop
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Moontop i must be a bit stupid but in this and previous posts you use the word goal, what do you mean by this as I would use this word to describe either prison or goal as in scored a goal in a game of football?

If I have been of any help, please click on my star and let me know, thank you.

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Moontop i must be a bit stupid but in this and previous posts you use the word goal, what do you mean by this as I would use this word to describe either prison or goal as in scored a goal in a game of football?

 

Hello assisted blonde :) I don't think you're stupid at all. Moontop is French speaking and I speak the language a bit. I know it's a term s/he likes, having read other posts. I think in goal to means 'with the aim of' or 'with the objective of'. I'm sure MT will correct me if I'm wrong.

 

MT, I don't know who you've asked about voluntary work. When I volunteered, my psychiatrist recommended me to the local Volunteer Bureau. I was allowed to do this by the DWP whilst I was claiming Incapacity Benefit, the forerunner of ESA. I certainly didn't sign a contract or any paperwork, I was a volunteer, but this is a few years back.

 

As regards JSA, you would need to check with the Jobcentre to see if they agree with you doing this. If you have any questions about that, the benefits forum here is the place to ask.

 

My best, HB

Edited by honeybee13

Illegitimi non carborundum

 

 

 

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Just to add. Your thread title mentions minumum wage.

 

This is not my area of expertise, but surely if you're paid, you're not a volunteer? And earnings will impact on your ESA as I understand it, although again this is a question for the benefits forum.

 

HB

Illegitimi non carborundum

 

 

 

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Hi Moontop,

 

I am signing on and I do some volunteering work. I believe that you used to be able to do full-time voluntary work and still claim JSA. I think things have changed and these days the limit is set at only16 hours a week.

 

The charity I work for is quite happy for me to do variable hours of my choosing and I don't have to be on-site. After all it is my time and effort.

 

I wouldn't be happy with an organisation telling me I had to work full-time for nothing. Why would they eventually pay you for full-time work when they can get you to do it for free?

 

You should check in with your local Job Centre. They could support you and help establish whether there is a really a chance of a paid full-time job at the end of it.

 

Good luck with the job hunting.

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Moontop i must be a bit stupid but in this and previous posts you use the word goal, what do you mean by this as I would use this word to describe either prison or goal as in scored a goal in a game of football?

Hi,

 

I mean for the purpose

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Hi Moontop,

 

I am signing on and I do some volunteering work. I believe that you used to be able to do full-time voluntary work and still claim JSA. I think things have changed and these days the limit is set at only16 hours a week.

 

The charity I work for is quite happy for me to do variable hours of my choosing and I don't have to be on-site. After all it is my time and effort.

 

I wouldn't be happy with an organisation telling me I had to work full-time for nothing. Why would they eventually pay you for full-time work when they can get you to do it for free?

 

You should check in with your local Job Centre. They could support you and help establish whether there is a really a chance of a paid full-time job at the end of it.

 

Good luck with the job hunting.

 

I was suffering a lot of harassment from my jobcentre (in addition to my landlord): my adviser was all the time trying to make me NOT sign (pretesting for example that his computer is over, give me just one job ad while in the system he had assigned two on my profile). Previously, I have applied to JSA that took a month and half before to receive any benefit (by using a citizen advice bureau).

 

However, since I refuse to be dependent to this kind of organization (dwp) I prefer to re-register for JSA instead of ESA (and try to find a job in the month) and to try to manage my sickness as I did during the last 6 years [eating chewing-gum all the times (due to headache), accupuncture (will need extra money for this...), etc...(presently I am however taking pain relief)].

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