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    • I made that payment on 13th Feb, then it all went to sh!t x
    • Massive potentially that payment has been made in some form as accompanying evidence to your financial difficulties.  And yes, but add some more zing to the email if it goes to the CEO - You need to make them understand what they have done. And telling the CEO  / MD of the biz what their actions have done to you - It adds to the complaint weighting.    
    • I have just found an email (and checked and verified it on my MCB account online) and I did make a payment to them, but then obvs didn't after that. Will that make any difference to my case? 
    • This is what I have said in my email of complaint:   On 29th November 2023 I took out a loan of £5000 with you. Unfortunately very early into 2024 I have found myself in financial difficulty and I contacted you on 13th February 2024 asking if there was any way I could extend the length of my loan to 36 months and I fully explained why I was requesting this and asked for your help. 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 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 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 remove the Cifas marker and let me make arrangements to pay the loan back through a DMP. If you fail to resolve my complaint within 8 weeks, or if matters are not settled to my satisfaction, I will have no alternative but to refer my complaint to the Financial Ombudsman Service. I look forward to hearing from you. Yours faithfully, Should I send something along those lines to the CEO? 
    • Right... Misuse of Facility is a Cat 6 and is considered the worst out of all of the CIFAS Categories for CIFAS Markers.  However lets see what happens when MCB come back to you. Make sure you refer it to the CEO.    IF YOU DONT HAVE A VALID REASON FOR THE ISSUE WITH PAYMENTS ETC - Then the marker will stay.   
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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.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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This is an email i sent to a few mp's:

 

Dear readers, I write this for you as this week I was in Leeds making a delivery, when I entered in error a bus lane. Yet this was a surprise to me due to the fact that the signs were not clear. I have taken pics to show this.

 

I wonder how many good people have also fallen for this.

 

I have written to several MP’s and Councillors in Leeds informing them of this.

 

This is the email I sent:

 

-------------------------------

 

I am writing to you regarding the bus lane in Leeds.

 

This week around 6.30pm for the first time in many years I was making a delivery in Leeds city centre.

 

I like most people avoid coming into Leeds as its an incredibly unpleasant experience due to speed camera in most lanes going into Leeds as well as the £4 per hour parking charge. Like most people I know drive to the Meadow Hall in Sheffield.

 

However this week I drove into Leeds city centre.

 

It was a dark and wet night.

 

I drove into the bus lane. I found that I had to carry on as the only option was to reverse and I could not as a bus was behind me. Also I presume that reversing may have not been legal.

 

I may or may not get a fine. However that is irrelevant. It is clear that the signs informing you of a bus lane are hidden.

 

I have enclosed several pics showing this. One is hidden by a traffic light. And the other one is extremely far away and its not clear what road it belongs to. It is also hidden as busses past.

 

The writing on the road vanishes when wet and dark, which you can see by my pics.

 

I took the pics at night on Say night (2nd Nov 2013) around 11.40pm. I state this as again had to go in the bus lane due to the police shutting the road down. But this is clear on my pics. Though again I suspect I will be fined.

 

As you can see from my pics you enter the bus lane without knowing. Due to the angels. Once you do you are not in a position to change and have no option to carry on.

 

ticketfighter.co.uk/bus.htm

 

Pic 4 is the view from your car. As you can see the sins are covered or far away.

Pic 6 is a view directly in front on the bus lane. As you can see if you drive up you have no option but to carry on. There is also no white lines showing the bus lane start.

Pic 11 adds confusion to the situation as unless you know which road call lane is you do not know which road this applies to.

Pic 8 shows for some reason the sighs point the wrong way. And clearly the busses as they pass hide them.

 

I write to you as I am sure you agree that this is possibly illegal if not right.

 

I hope you put this right and a refund is given to all drivers who have been caught out by this.

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