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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • fkofilee
      Can I get a Cifas marker removed?

      By fkofilee · Posted

      Oh dear.. Misuse of facility...  Cat 6... No wonder everything is being nuked from high orbit... More in a bit.. 
    • LilMissM
      Can I get a Cifas marker removed?

      By LilMissM · Posted

      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 😕    
    • fkofilee
      Can I get a Cifas marker removed?

      By fkofilee · Posted

      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  
    • fkofilee
      Can I get a Cifas marker removed?

      By fkofilee · Posted

      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.   
    • AndyOrch
      Appeal Bundles - Civil Appeals - Parcel Delivery Firms

      By AndyOrch · Posted

      Other case law relied upon " On other record of reasons "

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      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.

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      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Unfair Notification of Customer Compliance Office Interview - Can I challenge it or request full investigation?

EmilyPink

By EmilyPink
in Benefits and HMRC

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EmilyPink

EmilyPink

Posted
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Posted (edited)

I am on my own and I do not know anybody that can accompagn me to this compliance interview.

 

Since I do not have the money for the complaint by post, I am looking for the email in order to make the complaint to the independant inspector.

 

However, I will do the complaint equally from now to the ombudsman due to the emergency and the ongoing situation since 12 months now (I previously complaint to the independent inspector).

Edited by EmilyPink
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antone

antone

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OK, fine. I give up. It's not at all clear what's happened with your case and you're obviously not going to tell us.

 

So, here is the website for the Independent Case Examiner, the organisation that will hear complaints about the DWP. But note the following quote:

 

Complainants can approach the Independent Case Examiner's office after they have received a final response to their complaint from the Agency/Business, which they consider to be unsatisfactory. This response must signpost complainants to this office.

 

In other words, you must have exhausted the DWP complaints procedure before they will help. And they most certainly will not intervene in a Compliance interview. I can't stress this strongly enough - forget about that idea.

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

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EmilyPink

EmilyPink

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OK, fine. I give up. It's not at all clear what's happened with your case and you're obviously not going to tell us.

So, here is the website for the Independent Case Examiner, the organisation that will hear complaints about the DWP. But note the following quote:

 

In other words, you must have exhausted the DWP complaints procedure before they will help. And they most certainly will not intervene in a Compliance interview. I can't stress this strongly enough - forget about that idea.

Like as several times said it is about maladministration, harassment and victimisation ( I even provided examples).

 

However, thanks for the link, I will contact the 'independent' case examiner shortly.

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antone

antone

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You are far more patient than me.

 

I don't understand why anyone would come on a forum asking for advice when they have already made their mind up.

 

Ach, it's why I'm paid the big bucks.

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

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EmilyPink

EmilyPink

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You are far more patient than me.

 

I don't understand why anyone would come on a forum asking for advice when they have already made their mind up.

 

Coming to a forum does not mean to accept comments full of negation and hypocrisy like yours : normally you have 6 months after a complaint to the independent case examiner to put the case on further step. A solicitor told me that I could alternatively directly complaint to the ombudsman if my case is sensitive and recurrent.

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antone

antone

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Coming to a forum does not mean to accept comments full of negation and hypocrisy like yours : normally you have 6 months after a complaint to the independent case examiner to put the case on further step. A solicitor told me that I could alternatively directly complaint to the ombudsman if my case is sensitive and recurrent.

 

Jabba's advice is not "negative", it's correct. And if you have a solicitor, why are you asking us?

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

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EmilyPink

EmilyPink

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Jabba's advice is not "negative", it's correct. And if you have a solicitor, why are you asking us?

Read my post carefully : I said I asked a solicitor and I sent a post in a forum...indeed jabba posts (at least for me) are full of hypocrisy and please note that i am not forcing anyone to respond to this thread.

Edited by EmilyPink
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kk3852

kk3852

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I just hope that when you send your complaint that you manage to provide a coherent explanation as to what you think has happened. Perhaps a comprehensive timeline would assist in someone understanding where you think you have been harassed.

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antone

antone

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Read my post carefully : I said I asked a solicitor and I sent a post in a forum...indeed jabba posts (at least for me) are full of hypocrisy and please note that i am not forcing anyone to respond to this thread.

 

No, you're not forcing anyone to respond to this thread - in fact, under the circumstances, you're extremely lucky that anyone has even bothered to respond at all. If you simply want us to tell you what you want to hear, well...

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

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EmilyPink

EmilyPink

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I just hope that when you send your complaint that you manage to provide a coherent explanation as to what you think has happened. Perhaps a comprehensive timeline would assist in someone understanding where you think you have been harassed.

 

In my formal complaint there is a timeline and it is clearly show the issues are (at least too often recurrent).

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EmilyPink

EmilyPink

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No, you're not forcing anyone to respond to this thread - in fact, under the circumstances, you're extremely lucky that anyone has even bothered to respond at all. If you simply want us to tell you what you want to hear, well...

 

I thought you gave up...Once again, I have not forced you to respond to my thread...and I will not agree at 100% to what you said because you gave me some advice (that I consider only partially accurate according to my situation).

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antone

antone

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I thought you gave up...

 

I gave up trying to help you. I didn't give up trying to make sure you don't drag anyone else down with you.

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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kk3852

kk3852

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In my formal complaint there is a timeline and it is clearly show the issues are (at least too often recurrent).

 

 

Are the issues something to do with having to sign on every two weeks? Or even, being made to go every week ? To prove that you have been actively looking for work and supply the DWP with evidence of your savings and any possible income by providing you last 2 months bank statements?

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EmilyPink

EmilyPink

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I gave up trying to help you. I didn't give up trying to make sure you don't drag anyone else down with you.

Then start by firstly publishing the JobCentre complaint rules so....It is not just jabba who is full of hypocrisy here...reason why you defend him apparently!!!

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kk3852

kk3852

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Then start by firstly publishing the JobCentre complaint rules so....It is not just jabba who is full of hypocrisy here...reason why you defend him apparently!!!

 

Why on earth should this website display the jobcentre complaint rules !

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EmilyPink

EmilyPink

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Are the issues something to do with having to sign on every two weeks? Or even, being made to go every week ? To prove that you have been actively looking for work and supply the DWP with evidence of your savings and any possible income by providing you last 2 months bank statements?

The issues started when I was normally signing on and had a housing issue. My adviser was at that time started without reason that I come every week to sign on while I had to walk an hour from home to jobcentre (I did not have the money for the transport). Several times, my adviser tried to prevent me to sign on saying that his computer is over, etc...

Presently, the harassment raised three after I notified my adviser that I set up a non profit organisation : he then suddentl appointed me to a mandatory but without giving any explanation of this mandatory or even its process. Two weeks later I received a letter to go to the mandatory work that was starting the day I received the letter : jobcentre sanctionned me for three months and my adviser is presently trying to do the same with my housing benefit.

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silverfox1961

silverfox1961

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EmilyPink,

 

You have asked for advice and that has been provided. You have chosen to ignore that advice (as is your right) so this thread no longer serves any pupose so I am closing it

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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honeybee13

honeybee13

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Hello Emily.

 

I can see that you're upset and I would be too. But it's not on to insult people who are trying to help you. They're doing their best even if you don't like the answers.

 

If you don't like the advice, then please just ignore it, there's no need to start with name calling.

 

My best, HB

 

Edit: Sorry SF, I was posting while you were.

Illegitimi non carborundum

 

 

 

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