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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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    • 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 😕    
    • fkofilee
      Can I get a Cifas marker removed?

      By fkofilee · Posted

      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  
    • fkofilee
      Can I get a Cifas marker removed?

      By fkofilee · Posted

      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.   
    • AndyOrch
      Appeal Bundles - Civil Appeals - Parcel Delivery Firms

      By AndyOrch · Posted

      Other case law relied upon " On other record of reasons "

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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.

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

Chandlers bailiffs arrived today regarding unpaid Council Tax

GR McD
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GR McD

GR McD

Posted
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I opened the door this morning to find a bailiff on my doorstep. This was over Council Tax from 2011/2012 I think. He gave me a copy of the liability orders when I spoke with him.I was surprised as had forgotten I owed this, especially as I thought my husband had put it all in his name now and had been handling it. I do know at one point deductions were being taken from his wages, but they stopped when he lost his job. He is now back at work and I'm thinking he hadn't expected this to happen either.

 

As I can hardly talk at the mo due to laryngitis, the bailiff asked me to get my hubby to call him to make an arrangement. Hubby phoned him and the guy will be coming round tomorrow to do paperwork and make an arrangement. Seems we have to pay £50 straight off which we won't have until hubby gets paid. I don't work due to health issues and hubby is on a very low wage so is concerned we might struggle if they expect big repayments every month.

 

Am I right in thinking we shouldn't let the bailiff into the house as that gives him access another time, or is that old thinking these days?

 

Any advice on how we should handle this as I'm dreading losing our belongings.

 

Thanks.

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renegadeimp

renegadeimp

Posted
Posted

No. DO NOT let him come into your house. The second you do, he will perform a levy and your debt will increase substantially. If he comes, take him to the garden gate and speak to him there. Keep all vehicles a good 10 min walk away.

 

Do NOT pay the bailiff, and instead pay the Council direct through their online payments. That way, you will only be charged a visit fee by the bailiff, and even though they will shout and stamp their feet, there is absolutely nothing a bailiff can do. Even when they hand the LO back to the council or court, you can show you have been making payments direct to the council, and that will continue, or an AoE will be made.

 

If you let the bailiff in ( which is what he wants) then the whole game changes.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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GR McD

GR McD

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OK thank you for this advice, will make sure my husband knows not to let him in and we will need to move our cars. Does it matter that he already saw them today? Or that our lounge window is at the front and if blind isn't down you can see in the house?

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renegadeimp

renegadeimp

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IF he hasnt performed a levy on them and given you acopy, then get the cars moved a good distance away, as bailiffs are known to check the local area for it. They can look in the windows all they want, if they can get in to your house, then they can perform a levy, which is why you need to refuse them entry and keep all windows and doors locked.

 

 

My advice would be to ignore the bailiff if he comes round and deal with the council direct.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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GR McD

GR McD

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Nope am sure he hasn't as all he did was hand me copies of the liability orders from the Council. Think my obvious lurgy was putitng him off having any dealings with me!

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GR McD

GR McD

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My husband said he did have an attachment of earnings when he was working and was paying all this off then. He lost his job and went onto JSA and the payments stopped, he heared nothing more from the Council and knew nothing about a bailiffs visit. He wants me to query all this with the Council in the hopes we can get it taken back from the bailiffs and pay the Council direct. The bailiff had mentioned we'd have to pay £25 for him to do a levy so our first payment would be £50 for their charges. He now thinks it best to tell the bailiff it will be queried first with the Council before we make an arrangement so not to bother calling round. If he does, we won't answer the door and I said to hubby we need to move our car and bike away for the day!

Will we have any luck getting the bailiff to wait awhile until we talk to the Council?

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renegadeimp

renegadeimp

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If you ignore the bailiff, then all that can happen is he wil shout a few times and pass the debt back to the council. If you are paying the council direct, then theres very little the council can do. Even a court would agree to you continuing repayments or reactive the AoE.

 

Don't fall into the bailiffs trap and start talking to him and allowing him access to your home.

  • Confused 1

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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renegadeimp

renegadeimp

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Not if they are nowhere around. He needs to be physically able to touch them to perform a levy on them. If you keep them a good 10 mins walk away, then he will find it impossible. If you have an outside shed that isnt attached to the house, then he could levy things in there. But again, just ignore him completely and all you owe are his visit fee's and nothing more.

 

I think what you need to do is start payments to the council immediately and inform them you are doing so.

 

 

One question i forgot to ask earlier. The LO's. Are they the original ones, or additional enforcement LO's due to the AoE being stopped.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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GR McD

GR McD

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So we still need to move them tomorrow just in case? Am planning to pay off a large chunk anyway to the Council, just don't know when it will be as waiting on some funds to come through. Maybe I can get the Council to put a hold on the bailiffs in the meantime if I'm lucky!

Out of interest, since our vehicles are parked right in front of our house, I asusme he can pop back at anytime and levy them?

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Homer67

Homer67

Posted
Posted

Move the cars away from the house at least 10 minutes walk away. Re-read the above advice, it's all good.

 

Do not agree to pay anything to the Bailiff.

 

IMO I would not even answer the door to him and just contact the Council on Monday and make your payment, do not let the Council tell you you can't make a payment.

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GR McD

GR McD

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I will do, we can move our vehicles to the local shopping centre car park and keep them there for awhile today. I will then get onto the Council on Monday and see if I can get things sorted through the bailiffs held off.

 

Really good advice from this site as always. So nice to have somewhere to turn to when you don't have the answers yourself :)

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renegadeimp

renegadeimp

Posted
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100% agree with matt. Just keep paying the council direct through their online payments system, and inform the council each time a payment is made. Keep receipts, and the absolute worse that will happen is that an AoE gets put to your husband again.

 

As i said before, the bailiffs will stamp their feet and shout, but all they are legally allowed to charge is two visit fee's max, which comes to £40 something.

  • Confused 1

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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renegadeimp

renegadeimp

Posted
Posted

Thats a good point. Was this a regular bailiff or a HCEO? If it was a HCEO, then its a completely different set of rules you need to play by.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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renegadeimp

renegadeimp

Posted
Posted

Thanks for the clarification PT. My mistake, but works in the OP's favour :)

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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zydeco

zydeco

Posted
Posted

If the bailiff can see you through your front window hope for a very wet, windy, snowy day and laugh as you film him but do not let him in, let him freeze outside.

 

If he seems dehydrated or needs to take his tablets you may turn your hosepipe on to refresh him or supply him with water.

 

If he seems at deaths door you may, if you wish, call an ambulance but under no circumstances allow him entry to you domicile.

And watch out for the miraculous recovery when the ambulance arrives.

Illegitimi non carborundum

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matt v atos

matt v atos

Posted
Posted
If the bailiff can see you through your front window hope for a very wet, windy, snowy day and laugh as you film him but do not let him in, let him freeze outside.

 

If he seems dehydrated or needs to take his tablets you may turn your hosepipe on to refresh him or supply him with water.

 

If he seems at deaths door you may, if you wish, call an ambulance but under no circumstances allow him entry to you domicile.

And watch out for the miraculous recovery when the ambulance arrives.

 

The best one is can I use your loo !

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zydeco

zydeco

Posted
Posted
Another one is can I use your photocopier so that I can get a copy of the levy
answer, "why, got no lead in your pencil?"

it's all about letting the OP know that bailiffs are just things to tighten screws on, ouch.v2_dizzy_cheers.gif

Illegitimi non carborundum

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brassnecked

brassnecked

Posted
Posted
Another one is can I use your photocopier so that I can get a copy of the levy.

To which you reply:

 

Can't afford the ink for that damned Lexmark all in one, you would have to remove your fees to pay me for the ink, so you can't come in !

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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