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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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Sent without prejudice documents with claim - help! ** RESOLVED **


annie42
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This morning I have received a letter from the defendant. They are suggesting that because a telephone conference for mediation has already been arranged for 8th July there is no need for a Case Management Conference and have enclosed an Consent Order for me to sign and send to the Court. I'm inclined not to agree but would value any opinions please.

 

The CMC was in relation to mediation which is now arranged to take place. Not sure why the CMC is needed anymore.

 

What does the Consent Order say?

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The Consent Order says 1) The Case Management Conference fixed for 8 July to be vacated. 2) The proceedings be stayed until 29 August for the purposes of the claim being mediated 3) In the event that the claim is not settled by 29 August then either party may apply to the Court for directions through to the final Hearing in this matter.

 

If I refuse to agree the Judge will have to read the evidence before the CMC and, if I have understood what I've read on the internet correctly, he has the power to halt proceedings there and then if he feels the defendant has no reasonable chance of success. That would be the best outcome for me. I will see it through to the end if I have to but it is quite stressful for an unrepresented one man band like me up against the might of a multi national company with legal representation. I have heard they have a policy of defending everything whether they are right or not. The amount is a drop in the ocean to them but is a substantial amount to me. I need all the help I can get. Thanks.

Edited by annie42
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Thanks Ganymede. I'm confused as to why the court has called for a CMC to consider the request for a stay for mediation when it knows that I and the defendant have already agreed to it. Why would they do this?

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Thanks Ganymede. I'm confused as to why the court has called for a CMC to consider the request for a stay for mediation when it knows that I and the defendant have already agreed to it. Why would they do this?

 

Not sure of the timeline.

 

What was first?

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The defendant wrote to me to agree directions which included a stay for mediation. I agreed to their proposals and sent the N18 1to the court on 13th May. The court sent the defendant and myself notice (dated 28th May) of the CMC on 8th July to consider the request for a stay. I don't understand why the court is bothering with the CMC unless there is another reason.

 

I had cause to ring the court to which the case had just been referred to last month. The court official said then that a CMC would probably be held and that was before they had received the N181

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  • 1 month later...

I've previously posted about this case in which I'm the claimant for breach of contract but it's moved on through the process and the original title is no longer appropriate hence new post.Have declined two WP offers. Formal mediation is next. Please may I have some help with the following questions:

 

1) Since lodging the claim I have incurred additional costs ie storage costs for the defendants goods and advice from a solicitor. Can I include those costs in the sum we mediate over or must it only be the amount on the claim form?

 

2) Monetary concerns aside can I ask for a written apology as well?

 

3) If mediation fails and they settle out of court do they just pay the actual sum noted on the front of the claim form or the sum plus interest which I also asked for on the claim form at a daily percentage rate.

 

4) In the unlikely event it gets to court is it possible to ask the court to include the additional costs I've mentioned in question 1?

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two threads merged for history

 

please keep to one thread

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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No. I didn't know there was such a thing. Can you give me a bit more info please? Have googled it but can't find much.

Edited by annie42
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Legal costs do not go in a schedule of loss as they are costs and not out of pocket expenses.

 

Just file and serve a schedule ASAP. You should really have included it with your particulars of claim but as you are a LiP you may get away with it.

 

Head your schedule with a court heading similar to the particulars of claim and titled "Schedule of Loss."

 

Number your losses and give a brief explanation of each one.

 

Only include things like storage costs, travel expenses, postage charges, loss of earnings etc etc and not costs or disbursements.

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  • 4 weeks later...

Oh this is good news - do you want me to amend your thread title now or wait until you have the cheque in your hand ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Oh righto :lol: I will amend your thread title now then. Well done.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thank you. Me David they Goliath!

 

Absolutely, it feels great, doesnt it :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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