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    • Sorry  Noted x   Ok how about this to the CEO? I know it sounds super desperate but lets call a spade a spade here, I am super desperate: Dear Sir, On 29th November 2023 I took out a loan of £5000 with you. Unfortunately very early into 2024 I found myself in financial difficulty (unexpected bills and two episodes of sickness and the tax office getting my tax code wrong resulting in less pay for two months) and I contacted you (MCB) on 13th February 2024 asking if there was any way I could extend the length of my loan to 36 months. I fully explained why I was requesting this and asked for your help. I did not receive a reply to that email so 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 only managed to make one payment from my loan but did try and contact MCB to discuss extending my loan, help etc.  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 appreciate it is a business and you have acted accordingly, but I did try to make contact to arrange alternative arrangements and at no point, not even to this day, did I ever intend to not repay my loan. 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, please remove the Cifas marker and let me make arrangements to pay the loan back through a DMP.  Please sir, I am begging for your help here. I am not a dishonest person and I have never been in a situation like this before. I am desperately trying to make things right but this marker is killing me. Please can you help me? I look forward to hearing from you. Yours faithfully,
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Gave wrong details in the train station barriers


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So i was rushing to the DLR and didn't have time to top up as the train was about to depart. I got to the station and realized that i didn't have enough money to leave so i asked the man standing in the barrier that i had lost my card so that he could let me through. He took me to another gentleman wearing casual clothing and he told me where i came from and how did i pay for the fare, i panicked and said i borrowed fathers travel card in which he told me that travel cards were non transferable. He said he would let me go but wanted to take down my details just to put on the record as a sort of caution.

 

I didn't trust his word so i gave him a wrong name, wrong door number and wrong year in my date of birth. He didn't verify the details and he read me my rights to silence which made me slightly suspicious but he said it was just for protocol and let me out of the barrier after warning me not to use anyone elses travel card.

 

I'm a bit paranoid that they may be able to track me down through cctv or something. Was he telling the truth or was he trying to deceive me into giving my details and is it serious enough for them to pursue me?

Edited by honeybee13
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So i was rushing to the DLR and didn't have time to top up as the train was about to depart. I got to the station and realized that i didn't have enough money to leave so i asked the man standing in the barrier that i had lost my card so that he could let me through. He took me to another gentleman wearing casual clothing and he told me where i came from and how did i pay for the fare, i panicked and said i borrowed fathers travel card in which he told me that travel cards were non transferable. He said he would let me go but wanted to take down my details just to put on the record as a sort of caution.

 

I didn't trust his word so i gave him a wrong name, wrong door number and wrong year in my date of birth. He didn't verify the details and he read me my rights to silence which made me slightly suspicious but he said it was just for protocol and let me out of the barrier after warning me not to use anyone elses travel card.

 

I'm a bit paranoid that they may be able to track me down through cctv or something. Was he telling the truth or was he trying to deceive me into giving my details and is it serious enough for them to pursue me?

 

Hello there.

 

It could be a shame that you didn't say you hadn't topped up your travel card. Is it an Oyster one please?

 

Would you mind telling us if you used your father's card or not, as it would help us to advise you.

 

My best, HB

Illegitimi non carborundum

 

 

 

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So i was rushing to the DLR and didn't have time to top up as the train was about to depart. I got to the station and realized that i didn't have enough money to leave so i asked the man standing in the barrier that i had lost my card so that he could let me through. He took me to another gentleman wearing casual clothing and he told me where i came from and how did i pay for the fare, i panicked and said i borrowed fathers travel card in which he told me that travel cards were non transferable. He said he would let me go but wanted to take down my details just to put on the record as a sort of caution.

 

I didn't trust his word so i gave him a wrong name, wrong door number and wrong year in my date of birth. He didn't verify the details and he read me my rights to silence which made me slightly suspicious but he said it was just for protocol and let me out of the barrier after warning me not to use anyone elses travel card.

 

I'm a bit paranoid that they may be able to track me down through cctv or something. Was he telling the truth or was he trying to deceive me into giving my details and is it serious enough for them to pursue me?

 

By lying about your details you may have got away with it, at the expense of commiting a further offense & making it easier for them to prove intent to avoid your fare if they do track you down.

 

Is it a route you travel often?. If the RPI spots you expect them to call the BTP if they recognise you as someone who has given false details, unless you can prove your correct details (where you'll likely receive a summons)

 

Mind you, you do like to "chance your arm" with not paying your fare :

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?368816-Got-caught-with-my-Mothers-oyster-card.&p=4014438#post4014438

 

What happened to "I've been worried sick all day and i definitely won't be using it again."

Remember posting about getting caught before not having paid your fare?

Edited by BazzaS
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Hello there.

 

It could be a shame that you didn't say you hadn't topped up your travel card. Is it an Oyster one please?

 

Would you mind telling us if you used your father's card or not, as it would help us to advise you.

 

My best, HB

No i didn't use my fathers travel card. I know the logical thing to do was to say i forgot to top up or something but i panicked.

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By lying about your details you may have got away with it, at the expense of commiting a further offense & making it easier for them to prove intent to avoid your fare if they do track you down.

 

Is it a route you travel often?. If the RPI spots you expect them to call the BTP if they recognise you as someone who has given false details, unless you can prove your correct details (where you'll likely receive a summons)

Its not a route i take often. I just had to pop somewhere else after work to buy a few things. You think he was telling the truth when he said it was only a caution and no further action will be taken?

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Its not a route i take often. I just had to pop somewhere else after work to buy a few things. You think he was telling the truth when he said it was only a caution and no further action will be taken?

 

Who knows? He may have been offering you false reassurance so that you didn't "kick off" if he knew you were a previously caught fare dodger.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?368816-Got-caught-with-my-Mothers-oyster-card.&p=4014438#post4014438

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Who knows? He may have been offering you false reassurance so that you didn't "kick off" if he knew you were a previously caught fare dodger.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?368816-Got-caught-with-my-Mothers-oyster-card.&p=4014438#post4014438

No that was a one off thing. I admitted to that. I'm not a serial fare dodger, this time it was just an honest mistake. I'm anonymous i have nothing to hide. Its very unlikely that he thought i was a previous fare dodger.

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No that was a one off thing. I admitted to that. I'm not a serial fare dodger, this time it was just an honest mistake. I'm anonymous i have nothing to hide. Its very unlikely that he thought i was a previous fare dodger.

 

Hello again.

 

I hadn't realised you'd had the same problem before and well done to Bazza for spotting it. I'm afraid from what I know of this forum, if they don't think you are a repeat fare dodger, they may soon.

 

You haven't said if it's an Oyster card or not, but they have very sophisticated systems for matching data and people, I believe.

 

HB

Illegitimi non carborundum

 

 

 

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Hello again.

 

I hadn't realised you'd had the same problem before and well done to Bazza for spotting it. I'm afraid from what I know of this forum, if they don't think you are a repeat fare dodger, they may soon.

 

You haven't said if it's an Oyster card or not, but they have very sophisticated systems for matching data and people, I believe.

 

HB

I have never had my details taken by an inspector until now.

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I have never had my details taken by an inspector until now.

 

But they have your Mum's details from her Oyster, and the fact they took it off someone abusing it, who stated it was their mother's??

 

The report from that incident will likely have a description of the person they took the card from.

 

No that was a one off thing. I admitted to that. I'm not a serial fare dodger, this time it was just an honest mistake. I'm anonymous i have nothing to hide. Its very unlikely that he thought i was a previous fare dodger.

 

I never said you were "a serial fare dodger", just that you had previously posted about being caught with your Mum's concessionary Oyster. "Serial fare dodger" is an expression you have used, not I: I said "previously caught fare dodger", basing that on your post as cited.

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