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    • 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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ESA standing and sitting


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Hi had ESA tribunal on friday the panel consisted of a lady laywer and a male doctor.

 

When discussing the standing and sitting the lady said I couldnt recieve any points in standing/sitting section if I can sit for an hour although I cant stand for half an hour, but the wording on the descriptors says none of the above apply to score zero.

 

Cannot, for the majority of the time, remain at a work station, either: (i) standing unassisted by another person (even if free to move around) or; (ii) sitting (even in an adjustable chair); or

(iii) a combination of (i) and (ii), for more than 30 minutes, before needing to move away in order to avoid significant discomfort or exhaustion. 9 points.

 

(d) None of the above apply. 0 points

 

Also I claimed JSA in DEC/JAN then claimed ESA from FEB onwards all contribution based can I now claim JSA again when my appeal fails which is what I expect to happen.

 

Thanks in advance for any replies

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When you went for your ESA Medical you would have been watched closely by the close circuit cameras, they'll be taking on board the length of time you've stay seated, if you got up and walked about and how long you've done that too and also during the medical they would have looked closely how you've sat on the chair whether you were holding the armrests or on your sides for support, if you've just sat without holding or put your hands both sides for support they would have taken notes of it. ATOS watch closely all the times what people do from when you arrive at your medical until you leave, also about doors if you've managed to push the heavy doors to get into the medical room it's there for a purpose especially when people say they cannot lift a carton of milk, please not that I am saying you've told them about can't lift carton milk just giving tips to everyone what happen when you enter an ATOS Medical centre.

 

 

 

 

 

Hi had ESA tribunal on friday the panel consisted of a lady laywer and a male doctor.

 

When discussing the standing and sitting the lady said I couldnt recieve any points in standing/sitting section if I can sit for an hour although I cant stand for half an hour, but the wording on the descriptors says none of the above apply to score zero.

 

Cannot, for the majority of the time, remain at a work station, either: (i) standing unassisted by another person (even if free to move around) or; (ii) sitting (even in an adjustable chair); or

(iii) a combination of (i) and (ii), for more than 30 minutes, before needing to move away in order to avoid significant discomfort or exhaustion. 9 points.

 

(d) None of the above apply. 0 points

 

Also I claimed JSA in DEC/JAN then claimed ESA from FEB onwards all contribution based can I now claim JSA again when my appeal fails which is what I expect to happen.

 

Thanks in advance for any replies

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You can claim JSA, yes. Or, if more than six months have passed since the DWP made the decision to deny you ESA, you can make a new ESA claim.

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Sorry Suziebear67 I think I have but I thought I let people be aware of how ATOS Centres operate by watching closely of what people do when they arrive at the centres.

 

Hi I have no problems with sitting for an hour but cannot stand for very long think you have misunderstood what I was asking
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:suziebear67:

 

The March 11 descriptors for sitting and standing (not applicable to a February 13 claim) were open to different interpretations cos of ambiguous wording. Come 24 September 12, a test case went through an upper tribunal hearing to clarify the issue; whether the test is of ability to remain at a workstation by either sitting, or standing, or a combination of both. The outcome was that, in accordance with Government declared policy intent, the test is of ability to remain at a workstation for 30/60 minutes by sitting, standing, or a combination of both. Even with modern sit/stand desks, I've yet to work out how much work can be done by someone doing a fair imitation of a yo-yo. :???:

 

http://www.osscsc.gov.uk/Aspx/view.aspx?id=3561

 

Consequently, the wording for the sitting and standing descriptors was amended from January 13, without any concessions for waiting at a bus stop or having to stand on a train.

 

:sorry:, Margaret.

Edited by **Margaret**
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Hi thanks all for your replies so am I looking at the old descriptors then or they could do with changing the wording.

 

The medical and refusal for benefit was 25th april 13.

The appeal was 25th October 13.

 

Cant see many employers wanting yoyos to work for them, have applied for 4 jobs whilst on ESA that I was more than qualified for the first 3 I was told there were other people more qualified than myself (was told this after had filled in the reasonable adjustment section) the 4th job had no problems with me not being able to stand long, great I thought, but after I had been working 4 hours they said they needed someone who could stand as well as sit.

 

Really i should have been the ideal candidate for the work group -short term sick- retraining and help finding job- back to join the workforce.

 

ps starryeyes that link describes my situation exactly.

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:suziebear67:

 

Government's already changed the descriptors (from January 13) in the wake of that upper tribunal decision. According to the letter of the law, the judge's comments about your ability to remain at a workstation were correct, cos first tier tribunals have to follow the interpretations of previous upper tier tribunals.

 

For comparative purposes;

 

http://www.legislation.gov.uk/uksi/2011/228/made

 

http://www.legislation.gov.uk/uksi/2012/3096/made

(amendment of Schedule 2)

 

From what you've written, I'm guessing something's happened to significantly impair your ability to stand and mobilise. Despite Government rhetoric, for most claimants, there's little if any retraining or support. Should you decide to claim jobseekers, ask to see a disability employment adviser. You may be able to negotiate reduced conditionality for a claimant commitment/jobseekers agreement.

 

Sincerely, Margaret. :panda:

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When you went for your ESA Medical you would have been watched closely by the close circuit cameras

 

Have you any actual evidence at all this happens ?

Edited by 45002

Please use the quote system, So everyone will know what your referring too, thank you ...

 

 

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I've heard they watch you from when you get out the car (or however you get there) and come into the building.

 

The Tribunal judges also used to do this at our local hearing venue - they had windows looking out to the front of the building, and caught out quite a few people who came rushing into the building, and then once in front of the judge would be hobbling about and making 'groaning' noises.

We hang the petty thieves and appoint the great ones to public office ~ Aesop

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Yes I have and found out the reception write notes and pass it on to the doctors that would give you the medical before you go in the medical room that's why there are always waiting time!

 

 

Have you any actual evidence at all this happens ?
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Exactly the cameras are not there for no reasons, also they watch for your facial expressions when they talk to you to seed if you smile or you smile at other people in the waiting room!

 

 

I've heard they watch you from when you get out the car (or however you get there) and come into the building.
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Yes I have and found out the reception write notes and pass it on to the doctors that would give you the medical before you go in the medical room that's why there are always waiting time!

 

Perhaps they doing this then to catch people out who are playing the system !

Please use the quote system, So everyone will know what your referring too, thank you ...

 

 

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:People Watching:

 

Did I mention that one of our local (purpose built) Tatos centres has one way glass in the wall between the office and the waiting area?

 

Or that a pinocchio working in another local office explained a time discrepancy on an IB85 with 'I had to wait for the security video'.

 

None of which should concern a genuine claimant, except for perhaps making them feel a little uncomfortable at being watched. Allegations of cameras in bathrooms and assessment rooms? I've no idea.

 

Most Tatos assessment rooms are fitted with panic buttons.

 

Margaret.

Edited by **Margaret**
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Pretty typical that they put in 'security cameras' for their benefit, but no recording equipment in the interview room for the claimant's benefit

We hang the petty thieves and appoint the great ones to public office ~ Aesop

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Hi margaret thx for your comments I had very bad break and dislocation in my ankle in 93 which took around 3 years to get to near normal, fast forward to 2012 constant pain cramps and stiffness so feb 2013 had plate removed now struggling to walk and stand. I shall ask for the disability advisor and see what they can do for me hopefully, I can find some thing paid or unpaid soon.

 

So due to all you people putting in fake claims i now have to suffer, anyone bothered about the dwp watching them must have lied about their illness or disability, as far as im concerned they can come spend day with me anytime. Its about time the benefit awarded was relevant to the amount paid into the system why should i recieve the same amount of JSA as someone who has never worked at all.

 

Rant over.

 

This is the view from all bears in the house

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Hi margaret thx for your comments I had very bad break and dislocation in my ankle in 93 which took around 3 years to get to near normal, fast forward to 2012 constant pain cramps and stiffness so feb 2013 had plate removed now struggling to walk and stand. I shall ask for the disability advisor and see what they can do for me hopefully, I can find some thing paid or unpaid soon.

 

So due to all you people putting in fake claims i now have to suffer, anyone bothered about the dwp watching them must have lied about their illness or disability, as far as im concerned they can come spend day with me anytime. Its about time the benefit awarded was relevant to the amount paid into the system why should i recieve the same amount of JSA as someone who has never worked at all.

 

Rant over.

 

This is the view from all bears in the house

 

What if the person has never been able to work due to (genuine) chronic illness or disability?

We hang the petty thieves and appoint the great ones to public office ~ Aesop

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What if the person has never been able to work due to (genuine) chronic illness or disability?

 

Remember: the only genuine claim is my claim. The rest of you are fraudsters cheating the system.

PLEASE HELP US TO KEEP THIS SITE RUNNING. EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

The idea that all politicians lie is music to the ears of the most egregious liars.

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Remember: the only genuine claim is my claim. The rest of you are fraudsters cheating the system.

 

Very true, I forgot that, I'll go turn myself in straight away, I don't know what I was thinking.

We hang the petty thieves and appoint the great ones to public office ~ Aesop

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There used to be a two tier system for payments of benefits but it was overtuned by a Labour government for being unfair on people who had never worked and were not likely to work - so of course it was hijacked from the beginning!

 

I have days when I can't stretch my right arm out, or walk without considerable pain down my right side, and am on a waiting list for a CT guided root nerve block, but will that make a difference to the assessment people - I don't know. I have filled in the form and sent it back and am awaiting the result.

 

I seriously would like to get hold of some of the people they use for these Atos assessments and find out exactly what 'professional' qualifications they really do have. I have a 'professional' qualification as a medical secretary so would I be deemed 'qualified enough' to become an Atos assessor?

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There used to be a two tier system for payments of benefits but it was overtuned by a Labour government for being unfair on people who had never worked and were not likely to work - so of course it was hijacked from the beginning!

 

I have days when I can't stretch my right arm out, or walk without considerable pain down my right side, and am on a waiting list for a CT guided root nerve block, but will that make a difference to the assessment people - I don't know. I have filled in the form and sent it back and am awaiting the result.

 

I seriously would like to get hold of some of the people they use for these Atos assessments and find out exactly what 'professional' qualifications they really do have. I have a 'professional' qualification as a medical secretary so would I be deemed 'qualified enough' to become an Atos assessor?

 

No you would probably do too good a job! Also you would understand the medical terminology, unlike ATOS who have not got past the "Peter as a poorly finger and it hurts" stage in their development.

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Hi margaret thx for your comments I had very bad break and dislocation in my ankle in 93 which took around 3 years to get to near normal, fast forward to 2012 constant pain cramps and stiffness so feb 2013 had plate removed now struggling to walk and stand. I shall ask for the disability advisor and see what they can do for me hopefully, I can find some thing paid or unpaid soon.

 

So due to all you people putting in fake claims i now have to suffer, anyone bothered about the dwp watching them must have lied about their illness or disability, as far as im concerned they can come spend day with me anytime. Its about time the benefit awarded was relevant to the amount paid into the system why should i recieve the same amount of JSA as someone who has never worked at all.

 

Rant over.

 

This is the view from all bears in the house

 

Some of us have good reasons to have never worked.

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:suziebear67:

 

Guess you needed some points for standing to reach the 15 point threshold for an award of benefit. As already stated you'll be able to claim jobseekers. Or if you can't cope with jobseekers, and your doctor's prepared to continue writing Med 3 (unfit) notes, have another turn on the misery-go-round.

 

The 'fairness' of benefits is an extremely complex political issue but as a very general rule people who've paid in to the system tend to have higher incomes than claimants who've never worked. Which is a bit hard (and harsher following recent reforms) on young people who're disabled from birth. Lots of opinions, but no easy answers.

 

Good luck with whatever you decide, Margaret.

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