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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.   
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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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Damn Customer Service


davef28
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I decided to try and do something about my debts, see below the emails. Mr Boden has really upset me and could have ruined my life ! Read from the bottom up !

 

Thanks for the information.

Due to the nature of your request, I will have to refer your e-mails onto our Customer Support Unit in Brighton, as we are unable to authorise any changes to formal lending agreements. Regrettably they do not have external e-mail facilities, therefore, they will be using traditional methods of communication. I trust you will hear from them in the near future.

Regards

Keith Boden - Lloyds TSB

Service Recovery

********************************************************************************************

From: Sent: 11 April 2006 13:37

To: CONTACT.US

Subject: RE: General Info Request

 

Thanks for getting back to me. All correspondence by mail currently goes to the correct addresses as held on your records for the individual accounts.

There is one joint account, which will be being closed shortly.

 

My sort code is XX-XX-XX and my main account is nnnnnnn. As suggested in my first email this is as a result of a problem with another company and I am only looking at what possibilties are available and do not want to start taking any action as yet, unless of course you are able to do / suggest something to ease my monthly financial burden Not sure what possibilties there are on the credit card for example.

 

Kind Regards

 

 

*****************************************************************************************

From:
CONTACT.US [mailto:[email protected]]

Sent:
11 April 2006 13:27 PM

To:

Subject:
General Info Request

 

Thanks for the e-mail.

 

The purpose of my request was to ascertain the branch and accounts you hold in order to progress your request. Personally, I will not be responding by letter, however I cannot confirm/deny that there may be a requirement for 'non-e-mail correspondence' as matters progress. I look forward to hearing from you.

 

 

Regards

 

Keith Boden - Lloyds TSB

 

*****************************************************************************

From:
Sent:
11 April 2006 10:41

To:
CONTACT.US

Subject:
RE: General Info Request

 

Before I let you know this information I would like to point out that I do not wish any correspondance going to my home address. At the moment the Credit Card is registered at my work address, the current account has a correspndance address of a local branch, and I am trying to get the loan account changed to that address. These are measures in place to try and resolve some very important personal issues.

 

Thanks

 

From:
CONTACT.US [mailto:[email protected]]

Sent:
11 April 2006 10:35 AM

To:

Subject:
General Info Request

 

 

Thank you for the e-mail, which has been passed to this office by the On-line Helpdesk.

I am sorry to learn of the apparent problems you are experiencing.

In order that we may progress your request, can you provide me with the 6 digit sort code/name/location of your account holding branch and your current address and post code.

Regards

Keith Boden

Lloyds TSB - Service Recovery

Birmingham

 

*****************************************************************************************************

From:
Sent:
10 April 2006 14:20

To:
CONTACT.US

Subject:
General Info Request

 

I currently have a personal loan, credit card and current account with yourselves. Due to incompetence of another company I am going to find myself short of around £7500 which I had been relying on to service these loans over the coming months. It appears that I cannot get any extension on my overdraft facility to cover this shortfall, and really I do not want it. Is it possible to request a "holiday" in payments on any of the accounts while I deal with the Financial Ombudsman regarding the other company. My letter of complaint has already gone off.

 

Many Thanks

 

 

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It seems to me to be perfectly clear from your first e-mail what sort of help you're after, so why pass you on to Keith Boden, who after several pointless e-mails finally admits he can't help.

 

As far as Brighton not having external e-mail, I find that very hard to believe, I've been blind copying a member of staff there in on my e-mails and none of them have come back as undelivered, I've just sent another e-mail, which will notify me if he reads it, I'll let you know if he does.

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  • 12 years later...

This topic was closed on 03/08/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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