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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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Interesting and what I suspected !!!

 

The fee scale for council tax enforcement was introduced in 1992 and slightly amended around 6 years ago. Accordingly as there has been NO change WHY did Chandlers attempt to charge an "attending to remove " fee at the very same time as "attending to levy" in 2013 and NOT in 2012 !!! Odd.

 

Does anyone know when Capita took over as "back office" provider for this particular local authority?

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Arent some of those levys unallowable? He is levying on sofa's and white goods.

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..

 

 

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Sorry Tomtubby but I'm confused. On all 3 of the distress notices I listed they added a "levy fee" and an " attendance / removal costs fee" at the same time. So i'm not entirely sure what you mean?

First i knew about Capita in swindon was about 2009/2010 as i was working in direct mail and they aproached me to work for them on their new council contract. could be just a coincidence,

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The fee charged in each case for an "attendance" fee was £24.50 but frankly, I am certain that you will find that this fee is EITHER an initial visit fee of £24.50 or alternatively, a Head H fee ( not permitted).

 

From the info provided it is clear that until 2013, Chandlers have NOT properly charged you an "ATR" fee.

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Ok, I see, but charging it at the same time as a Levy fee. Is that allowed?

 

.

The regulations provide for a fee of £24.50 for "attending to levy" ( where no levy was made).....i.e. where the debtor came to the property and was unable to get a response. ALTERNATIVELY, if he was able to levy he could INSTEAD charge a "levy fee" (according to the scale of fees).

 

Therefore he can charge one or the other. However, he can visit the property at 7am the morning and charge £24.50 and then return at 6pm and if he is able to levy then he can charge a levy fee. It is not ethical to visit twice on one day but as an example he could do.

 

I have been addressing enquiries about bailiffs for many years and I will never "jump straight in" and accuse a bailiff or his company of wrongdoing until the facts are known and it is for this precise reason that you will see in almost every thread that I respond to that I will always ask many questions starting with the most important one being clarification as to the starting figure for the Liability Order.

 

Unfortunately, bailiff companies when responding to enquiries about fees charged to the account simply type a list of fees. This is NOT sufficient. What is required is the amount of fee charged and the date on which it was charged to the account.

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Ok, I see, but charging it at the same time as a Levy fee. Is that allowed?

 

There's a news article about council maladministration focussing on bailiff fees, specifically "Head H" and "Attending to Remove".

 

I believe reference numbers are provided for the relevant Local Government Ombudsman reports.

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  • 2 weeks later...

I recieved this response from Chandlers:

Thank you for your email,

 

The below visits were for reference ******.

 

On Reference ******* the visits are as follows:

The certificated bailiff Mr C***** attended the property for the first time on the 01/07/2013 with the intention to levy distress, as no response was received a letter was left and a fee of £24.50 was incurred on the account.

 

On the 15/07/2013 the Certificated Bailiff Mr A******** attended with the intention to levy distress for a 2nd visit, after receiving no response a letter was left and a fee of £18.00 was incurred.

 

 

As we still received no response, on the 24/08/2013 the Certificated Bailiff Mr G***** attended with a van with the intention to remove goods and chattels. On this date he levied upon goods, for this lawful course of action a £57.00 fee was incurred. For attending the property with a van with the intention to remove goods a £250.00 attendance fee was incurred as no response was received.

 

Please find attached a copy of the Walking Possession Form that was filled in by Mr G***** on the 24/08/2013.

 

 

Regards

 

Chandlers Limited

 

I have no record or letter regarding the second visit and any one spot the difference between the amount of the attendance fee on the 24th?

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The only thing listed was the car on the drive!

 

 

There is the levy then, but he should have left a Notice of Seizure listing it on 24/08/13 the date he seized it, cannot have the ATR for same day, for " attending the property with a van with the intention to remove goods a £250.00 attendance fee was incurred as no response was received." did he come prepared to tow a car, or did he come in the usual Berlingo?

Edited by brassnecked

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....For attending the property with a van with the intention to remove goods a £250.00 attendance fee was incurred as no response was received....

 

Apart from the reasons already stated, this attendance fee cannot be lawful....it's been imposed solely to make a gain for the bailiff. If as bailiffs state on their threat-o-grams they "will remove goods even in your absence", it would appear that no response is necessary so you're not telling me this bailiff attended with a van with the intention of removing goods.

Edited by outlawla
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I emailed them and asked them just to confirm a couple of details today, this was the response:

 

Thank you for your email,

I can confirm that the levy and attendance fee was charged on the same day, the levy fee was charged for levying on goods and the attendance fee was charge for the attendance to the property with the intention of removing goods and chattels.

I can also confirm that the attendance fee applied was £250.00.

Regards

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I think thats pretty clear. They still havent noticed the attendance fee is less than on the paperwork!

 

Perhaps the bailiff wanted to keep a little back for himself.

 

I notice the difference between the sum on the paperwork (£292.50) and the amount quoted in the email is £42.50 – coincidentally the aggregate of a first and second fee.

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Look what I got today from the CB register:

 

Good afternoon,

Thank you for your e-mail. There is a Mr G***** on our database but his certificate, granted at Bromley County Court, expired on 11thFebruary 2012. You may wish to contact Bromley County Court to see if another application has been granted.

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:oops:

txt Mr G and ask him when he was certificated and at what court ask him for his certificate ID no

 

 

 

e-mail head of revenues and ask him confirm the certificate details for their Bailiff Mr G

 

I have emailed the head of revenues and asked him to confirm but I am a bit aprehensive about making direct contact with Mr G***** :oops:

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[email protected]

 

E-mail the court they may have missed him out when they sent the information you are asking if he has renewed or applied to renew his certificated ask them to provide details

 

If he has applied to renew his certificated what date did he do this ?

if he is certificated the date of certification name of employer if any ?

 

I was reading over your thread and I thought I had posted this (obviously not ) for future ref if needed

 

your post 17

 

Thank you for your email,

 

I can confirm that we are able to provide this information, however as your account is still out with Mr G*****.

I can see from the notes on your account that you are dealing with the council and refused Mr G***** access to your property.

 

As Mr G***** is still dealing with your account we are unable to intervene in the office and would not want to wrongly advise you of any recent information added to your account.

Please contact Mr G***** directly on 07********* to discuss your account and the charges applied.

 

Regards

 

Chandlerslink3.gif Limited

 

http://www.chandlers-bailiffs.co.uk/how_bailiffs_work.htm

 

click on how we do it and read how proud they are of real time response (I wonder why they couldn't give you real time information )

 

As a bailiff makes a call, any notes or information inputted on to their handheld computer is automatically downloaded by GPRS onto our database at our head office. This can be seen immediately by our office staff and can also be viewed by our clients via our Client Web which we provide free of charge. This provides the most up-to-date information to hand and also helps our clients in knowing if a customer is trying to contact them instead of the bailiff that has prompted the contact. Any fees and charges added to an account are also shown in Real Time, which brings the transparency

that we hope to gain by being open

and honest in our approach when dealing with clients and customers.

Our Real Time system gives our clients more than just access to view our database. They can change balances,

add notes, make amendments and put accounts on hold.

This is all done by logging on to our system via our Client Web with their own unique username and password. In addition, this feature will then send an update to the handheld computer of any bailiff who may be dealing with that particular account at the time. This system will help reduce unnecessary time and cost through faxing and phoning, helping in the constant need for change and contribute towards best value targets.

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[email protected]

 

E-mail the court they may have missed him out when they sent the information you are asking if he h

as renewed or applied to renew his certificated ask them to provide details

 

If he has applied to renew his certificated what date did he do this ?

if he is certificated the date of certification name of employer if any ?

 

I was reading over your thread and I thought I had posted this (obviously not ) for future ref if needed

 

your post 17

 

Thank you for your email,

 

I can confirm that we are able to provide this information, however as your account is still out with Mr G*****.

I can see from the notes on your account that you are dealing with the council and refused Mr G***** access to your property.

 

As Mr G***** is still dealing with your account we are unable to intervene in the office and would not want to wrongly advise you of any recent information added to your account.

Please contact Mr G***** directly on 07********* to discuss your account and the charges applied.

 

Regards

 

Chandlerslink3.gif Limited

 

http://www.chandlers-bailiffs.co.uk/how_bailiffs_work.htm

 

click on how we do it and read how proud they are of real time response (I wonder why they couldn't give you real time information )

 

As a bailiff makes a call, any notes or information inputted on to their handheld computer is automatically downloaded by GPRS onto our database at our head office. This can be seen immediately by our office staff and can also be viewed by our clients via our Client Web which we provide free of charge. This provides the most up-to-date information to hand and also helps our clients in knowing if a customer is trying to contact them instead of the bailiff that has prompted the contact. Any fees and charges added to an account are also shown in Real Time, which brings the transparency

that we hope to gain by being open

and honest in our approach when dealing with clients and customers.

Our Real Time system gives our clients more than just access to view our database. They can change balances,

add notes, make amendments and put accounts on hold.

This is all done by logging on to our system via our Client Web with their own unique username and password. In addition, this feature will then send an update to the handheld computer of any bailiff who may be dealing with that particular account at the time. This system will help reduce unnecessary time and cost through faxing and phoning, helping in the constant need for change and contribute towards best value targets.

 

Thanks, I'm sure this will be useful.

I have asked the council and Chandlers to confirm his certification and I will text him tomorrow if I don't get an answer.

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