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    • 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.   
    • Other case law relied upon " On other record of reasons "
    • Page 2 – document 10 and 11 – you should include the fact that it is a Law reform commission report. Best to give it its full name if you can I suggest that you move paragraph 10 up to the first position – paragraph 5 and move everything down. I think other than that – it is good to go. I suggest you don't bother to do any more drafts. Simply rearrange the paragraphs as I suggested above then the title of the documents that you are relying on in the index page. Send it off and post your final version here so that everybody can see. I'm sorry about the delay. Thanks for reminding me
    • I have recently found myself in financial difficulties and with the help of forum members in another thread regarding this, I think I can get myself sorted. My query here is how to deal with a Cifas marker that has been logged against me by one of my creditors for "evasion of payment". Admittedly yes I did get a £5000 loan with them and have not paid any payment but at the start of the year, which is when the loan landed, I realised I was going to be struggling to repay that and other debts and I contacted MCB to ask if there was any way I could extend the loan from 24 months to 36 months. I explained my situation and that I was going with a DMP and asked them if they could help me with this. They did not reply. I then emailed them again a month later explaining that my DMP was going ahead and could they confirm that the direct debit was indeed cancelled. Again, they did not reply. The DMP fell apart and so did everything else thereafter. My bank withdrew my overdraft and said I could not stay with them (I thought initially that it was because of the DMP) so I opened another account (Starling) and set up all my direct debits etc with the new bank. A month into being with the new bank, they contacted me and said they were closing my account in three months. So I started applying for other basic accounts and every single one of them either refused or revoked.  Through the help in the other thread, I requested a SAR from Cifas and discovered that I have this marker against my name for "evasion of payment". I have logged a complaint with MCB on the advice of other forum members, but my query really is do you think the marker is fair given that I did ask them for help and I did explain that I was going to be struggling financially to repay the loan over the original two years, and is there any way that I can get it removed? I fully admit that I have yet to make a payment to them and I suppose in my naivety and panic I thought if I emailed them early on they could extend the loan and help me out, but they didn't even reply  I did manage to open an account with Monzo before the marker was in place, but I am very concerned that if Monzo do what Starling did, I will have no bank account to pay my bills or get my wages paid into.  Realistically based on the information I have given here, what do you think my chances are of getting this marker removed? Any help/advice on this would be greatly appreciated x
    • Thank you dx, that is what I intend to do now. I have gone through all the SAR documents, a lot of which I am seeing for the first time! As per my previous post #116 letters and statements alleged to have been sent to me, as recorded on their system notes I have not received. Letters I have sent requesting information and account statements have not been recorded as being received by them, all were sent either by Recorded or Special Delivery. I have all the proof you menrtioned from my files for payments and from their SAR info for fees added. Thanks t
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I have received a visit this morning from a bailiff. Banging on the door and shouting through the window etc. I got a PCN in November from Oxford City Council for driving in a bus lane. The fine was £130 approx and I came to an arrangement. Due to a lack of money coming in I was only able to make one payment and there has been £100 outstanding for several weeks.

 

The bailiff today wanted £400 and because I couldn't pay clamped the vehicle which was parked on our drive. We then phoned the police who of course said they couldn't get involved. I resorted to having to ask my Dad for help and he very kindly paid the £400+ on his credit card.

 

Do I have any rights in this case? I believe that the bailiff should not have clamped the car as it was on private land however we didn't get a photograph although there are 4 witnesses including myself. The fees also appear extortionate.:-x

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Have you requested a breakdown of the fees he charged? What paperwork were you left? Clamping on private land can still be undertaken by those who have Lawful Authority - you will find the Bailiff has this.

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Have you requested a breakdown of the fees he charged? What paperwork were you left? Clamping on private land can still be undertaken by those who have Lawful Authority - you will find the Bailiff has this.

 

I have a receipt for the £430 but it's not a breakdown of what I have been charged. Nothing else.

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[YOUR ADDRESS]

[DATE]

 

 

To:

[Insert Name and Address of Bailiff Company]

 

Ref: Account No: 123456

 

Dear Sir,

 

With reference to the above account, I would be grateful if you could provide me with a breakdown of all charges incurred.

 

This includes, but is not necessarily limited to the following:

a the time and date of any bailiff action that incurred a fee or charge.

b the reason for the fee or charge.

c the name(s) of the bailiff(s) that attended on each occasion a fee was charged.

d the name(s) of the Court(s) at which the Bailiff(s) was/were Certificated.

e the date of certification.

f the initial balance, and any amount currently outstanding on the account

 

This is not a Subject Access Request under the Data Protection Act S7 1998 so does not incur a fee of £10. You are obliged to provide this information.

 

I require this information within 14 days.

 

Yours faithfully,

 

Sign

 

[PRINT NAME]

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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[YOUR ADDRESS]

[DATE]

 

 

To:

[Insert Name and Address of Bailiff Company]

 

Ref: Account No: 123456

 

Dear Sir,

 

With reference to the above account, I would be grateful if you could provide me with a breakdown of all charges incurred.

 

This includes, but is not necessarily limited to the following:

a the time and date of any bailiff action that incurred a fee or charge.

b the reason for the fee or charge.

c the name(s) of the bailiff(s) that attended on each occasion a fee was charged.

d the name(s) of the Court(s) at which the Bailiff(s) was/were Certificated.

e the date of certification.

f the initial balance, and any amount currently outstanding on the account

 

This is not a Subject Access Request under the Data Protection Act S7 1998 so does not incur a fee of £10. You are obliged to provide this information.

 

I require this information within 14 days.

 

Yours faithfully,

 

Sign

 

[PRINT NAME]

 

Thanks for that davyly. I will send that off today. Forgive my ignorance as I haven't been faced with this kind of issue for a long time but what is the purpose of sending this letter? What do we ultimately hope to achieve?

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Bailiffs are notorious for charging fees which are over and above those which should be charged. If we get their breakdown, you can post them up here and we can ascertain which are and which are not legitimate.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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A lot of bailiffs companies are operating out of conduct, but because the police and even judges do not understand bailiff law and rights correctly they let them get away and sometime even support them in their illicit activities, they should have bailiff law training courses lol :)

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  • 1 month later...
Bailiffs are notorious for charging fees which are over and above those which should be charged. If we get their breakdown, you can post them up here and we can ascertain which are and which are not legitimate.

At long last have just received today a breakdown of their fees.

Arrears £97

Letter fee £13.44

For removing goods, or attending to remove goods where no goods are removed £306

Levy fee £33.60

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Don't think they can charge the attending to remove fee. It is just the letter fee and then 28% of the original PCN that can be charged. But wait for someone more knowledgeable on this to confirm. I think the attending to remove fees can only be charged, where they can make a levy and have goods they can take away.

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And is the car still clamped?

No. He clamped the car to stop me from moving it after he had informed me that if I didn't pay the £400 he was demanding he would have it towed away. We paid him the money and he unclamped the car and left.

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A bailiff cannot charge a fee to clamp a car and the way in which this particular company appear to have gotten around this is to attempt to charge a simply EXTRAORDINARY huge sum (£306) which they try to say is for "attending to remove". I have never ever before seen any local authority allowing any of their bailiff providers to charge a fee as large as this and I would strongly suggest that you make a Formal Complaint to THE COUNCIL.

 

Was this the 1st visit?

 

Most importantly, you were very fortunate indeed to be given the opportunity to discharge the debt by way of a monthly payment arrangement (which is very rare indeed). Due to financial problems you could not keep to the payment terms. Did you contact the bailiff company by letter or email and if so...what was their response?

 

If you failed to advise the company of your financial difficulties then they in the absence of payment they will no doubt consider that you are refusing to pay.

 

PS: Was the car a new car or old. What is the rough value?

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A bailiff cannot charge a fee to clamp a car and the way in which this particular company appear to have gotten around this is to attempt to charge a simply EXTRAORDINARY huge sum (£306) which they try to say is for "attending to remove". I have never ever before seen any local authority allowing any of their bailiff providers to charge a fee as large as this and I would strongly suggest that you make a Formal Complaint to THE COUNCIL.

 

Was this the 1st visit?

 

Most importantly, you were very fortunate indeed to be given the opportunity to discharge the debt by way of a monthly payment arrangement (which is very rare indeed). Due to financial problems you could not keep to the payment terms. Did you contact the bailiff company by letter or email and if so...what was their response?

 

If you failed to advise the company of your financial difficulties then they in the absence of payment they will no doubt consider that you are refusing to pay.

 

PS: Was the car a new car or old. What is the rough value?

 

I contacted them by phone to explain my circumstances and they agreed to allow me to pay thirty odd pound a month. One payment was made and then I missed the next one due.

 

The car is 11 years old and worth about £600.

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I contacted them by phone to explain my circumstances and they agreed to allow me to pay thirty odd pound a month. One payment was made and then I missed the next one due.

 

The car is 11 years old and worth about £600.

 

Yes it was the 1st visit. Is there a template for a letter of complaint available?

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Next April the government will be introducing new regulation regarding the bailiff industry and within the next couple of weeks they will also be releasing a copy of the new fee scale. So many bailiffs companies are now charging an "attending to remove" fee to an account at the initial visit and it is extraordinary that the LOCAL authorities are allowing their agents to do this.

 

If you are considering issuing an N1 Claim Form you need to ensure that you have all of the information to hand before taking this course of action and for this reason, you need to write to the local authority and ensure that your letter is headed Formal Complaint.

 

The following is a rough draft which can be changed or amended as you wish:

 

.

.

 

 

Dear Sir,

 

Re: Formal Complaint. PCN number

 

I am writing with regards to the above parking charge notice. From your records you will see that a warrant of execution was obtained and passed to your bailiff provider to enforce. I received an initial letter from xxxx and immediately contacted them to explain that I have financial difficulties and it was agreed that I could repay the debt at £30 per month. Unfortunately, given my financial circumstances I was only able to make one payment and as the account then defaulted your bailiffs made a personal visit to my property to enforce the warrant of execution.

 

During the visit my car was clamped and I was forced to borrow a sum of xxx to secure its release. The amount paid is made up as follows:

 

PCN:

Letter fee:

Levy/Attending to Remove:

 

The basis of this formal complaint is that your agent has charged me an "attending to remove" of approx at the very first visit. From enquiries made it is my understanding that the statutory fee scales provides fixed fees for up to three attendances (to levy upon goods) before an "attending to remove" fee should be applied.

 

As you will of course be aware a bailiff cannot legally remove goods unless a prior valid levy is its place and naturally, a bailiff cannot "assume" in advance that I would either be at home or that I would refuse to pay. Accordingly, there can be no legal basis for allowing your agent to charge an "attending to remove" fee to my account. Furthermore, you may care to note that my vehicle is 11 years old and, if sold privately would raise approx £500. If however it was at sold at auction the sale value would not in any way even cover the "attending to remove" fee.

 

Unless your agent refunds to me the "attending to remove" fee I will be seeking recovery either by way of a N1 County Court claim or alternatively, by way of a complaint to the Local Government Ombudsman. With this in mind, could you please respond to confirm whether your Contract with the bailiff company allows for them to charge a removal fee at an initial visit and if so, does the contract specify an amount that can be charged.

 

Please note that depending on your response, I may well be writing further to make a Freedom of Information request for a copy of the contract.

 

Yours sincerely

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Next April the government will be introducing new regulation regarding the bailiff industry and within the next couple of weeks they will also be releasing a copy of the new fee scale. So many bailiffs companies are now charging an "attending to remove" fee to an account at the initial visit and it is extraordinary that the LOCAL authorities are allowing their agents to do this.

 

If you are considering issuing an N1 Claim Form you need to ensure that you have all of the information to hand before taking this course of action and for this reason, you need to write to the local authority and ensure that your letter is headed Formal Complaint.

 

The following is a rough draft which can be changed or amended as you wish:

 

.

.

 

 

Dear Sir,

 

Re: Formal Complaint. PCN number

 

I am writing with regards to the above parking charge notice. From your records you will see that a warrant of execution was obtained and passed to your bailiff provider to enforce. I received an initial letter from xxxx and immediately contacted them to explain that I have financial difficulties and it was agreed that I could repay the debt at £30 per month. Unfortunately, given my financial circumstances I was only able to make one payment and as the account then defaulted your bailiffs made a personal visit to my property to enforce the warrant of execution.

 

During the visit my car was clamped and I was forced to borrow a sum of xxx to secure its release. The amount paid is made up as follows:

 

PCN:

Letter fee:

Levy/Attending to Remove:

 

The basis of this formal complaint is that your agent has charged me an "attending to remove" of approx at the very first visit. From enquiries made it is my understanding that the statutory fee scales provides fixed fees for up to three attendances (to levy upon goods) before an "attending to remove" fee should be applied.

 

As you will of course be aware a bailiff cannot legally remove goods unless a prior valid levy is its place and naturally, a bailiff cannot "assume" in advance that I would either be at home or that I would refuse to pay. Accordingly, there can be no legal basis for allowing your agent to charge an "attending to remove" fee to my account. Furthermore, you may care to note that my vehicle is 11 years old and, if sold privately would raise approx £500. If however it was at sold at auction the sale value would not in any way even cover the "attending to remove" fee.

 

Unless your agent refunds to me the "attending to remove" fee I will be seeking recovery either by way of a N1 County Court claim or alternatively, by way of a complaint to the Local Government Ombudsman. With this in mind, could you please respond to confirm whether your Contract with the bailiff company allows for them to charge a removal fee at an initial visit and if so, does the contract specify an amount that can be charged.

 

Please note that depending on your response, I may well be writing further to make a Freedom of Information request for a copy of the contract.

 

Yours sincerely

 

Many thanks for your help! I will get on with this today and send Recorded Delivery on Monday.

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  • 2 weeks later...

hi, sorry for delay, from my experience they will not do anything with your letter.

The courts do not understand bailiff law you should have never paid them in first instance and since you have paid, you have accepted liability and its going to be a hard battle to get refund, i am going to email you some legal documents.

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