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    • 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.   
    • Other case law relied upon " On other record of reasons "
    • Page 2 – document 10 and 11 – you should include the fact that it is a Law reform commission report. Best to give it its full name if you can I suggest that you move paragraph 10 up to the first position – paragraph 5 and move everything down. I think other than that – it is good to go. I suggest you don't bother to do any more drafts. Simply rearrange the paragraphs as I suggested above then the title of the documents that you are relying on in the index page. Send it off and post your final version here so that everybody can see. I'm sorry about the delay. Thanks for reminding me
    • I have recently found myself in financial difficulties and with the help of forum members in another thread regarding this, I think I can get myself sorted. My query here is how to deal with a Cifas marker that has been logged against me by one of my creditors for "evasion of payment". Admittedly yes I did get a £5000 loan with them and have not paid any payment but at the start of the year, which is when the loan landed, I realised I was going to be struggling to repay that and other debts and I contacted MCB to ask if there was any way I could extend the loan from 24 months to 36 months. I explained my situation and that I was going with a DMP and asked them if they could help me with this. They did not reply. I then emailed them again a month later explaining that my DMP was going ahead and could they confirm that the direct debit was indeed cancelled. Again, they did not reply. The DMP fell apart and so did everything else thereafter. My bank withdrew my overdraft and said I could not stay with them (I thought initially that it was because of the DMP) so I opened another account (Starling) and set up all my direct debits etc with the new bank. A month into being with the new bank, they contacted me and said they were closing my account in three months. So I started applying for other basic accounts and every single one of them either refused or revoked.  Through the help in the other thread, I requested a SAR from Cifas and discovered that I have this marker against my name for "evasion of payment". I have logged a complaint with MCB on the advice of other forum members, but my query really is do you think the marker is fair given that I did ask them for help and I did explain that I was going to be struggling financially to repay the loan over the original two years, and is there any way that I can get it removed? I fully admit that I have yet to make a payment to them and I suppose in my naivety and panic I thought if I emailed them early on they could extend the loan and help me out, but they didn't even reply  I did manage to open an account with Monzo before the marker was in place, but I am very concerned that if Monzo do what Starling did, I will have no bank account to pay my bills or get my wages paid into.  Realistically based on the information I have given here, what do you think my chances are of getting this marker removed? Any help/advice on this would be greatly appreciated x
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Charge notice for entering a car park through the wrong entrance (past a "No Entry" sign)


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Hi,

 

I just received a £100 charge notice (or £60 if I pay quickly) from a company called NPE for entering a small shopping centre car park through the wrong entrance (past a no entry sign). This is a shopping centre I have used for many years, but in the last couple of weeks, this company has started operating.

 

I went back and checked the car park and can see two new No Entry signs (at lower level than they would be on a public highway), so you could argue I should have seen these. However, the sign containing details of the penalty is small text that is completely unreadable from a car.

 

Anyone got any advice on how to handle this?

 

Thanks,

Richard

 

[ATTACH=CONFIG]55267[/ATTACH][ATTACH=CONFIG]55268[/ATTACH][ATTACH=CONFIG]55269[/ATTACH]

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Was this a windscreen ticket or number plate capture ?

 

What date was the "offence" ?

 

What date did letter (if any) arrive ?

 

Oh yeah forgot my manners !!! Welcome to CAG

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Was this a windscreen ticket or number plate capture ?

 

What date was the "offence" ?

 

What date did letter (if any) arrive ?

 

Oh yeah forgot my manners !!! Welcome to CAG

 

Thanks for the welcome!

 

The "offence" was 3rd of Jan, letter arrived 6th Jan, with photo of my car entering the car park.

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They are in time.

 

What size are the signs ? You may need to measure them.

Min size should be 450 X 450mm.

 

I've never seen this "offence" on here before but others far wiser than me will guide you

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for starters the sign isnt a recognised no entry sign so how on earth are you supposed to know what it represents? Secondly, as any signage for a contract ahould be at the point of entry so as you didnt pass the point of entry you cant have read the contract you weer invited to enter into so no contract. they also go on about liquidated damages so they are obviously clairvoyant, knowing the outcome of the Beavis appeal before even the judge making the determination!

I would appeal their claim pointing these things out and asking for a POPLA code if they reject your appeal. Appeal by saying you are the keeper of the vehicle (that is who they have contacted)

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Are they quoting the POFA 2012?

 

The act is intended to enable keeper liability, if certain criterea are followed , to recover PARKING charges...

 

Post up a redacted copy of the NTK please.

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Many thanks for all the suggestions. I attach the NTK as requested, plus a better version of the sign...

 

[ATTACH=CONFIG]55278[/ATTACH][ATTACH=CONFIG]55279[/ATTACH][ATTACH=CONFIG]55280[/ATTACH]

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I would be asking the local council for the planning order/consent that makes the change to the use of the entrance/exit along with details of the original planning consent. No planning order then no one way entrance. Also NPE are claiming trespass so that means the land owner is either claiming damages from you or money for the breach from them, they cant claim for damages for trespass from you but they are obliged to pay the LL every time you do it so that would be a red rag to a bull for me. A day driving round in circles would bankrupt them. It is like sending out letters saying if your read this letter you owe me £100 and claiming a contract is formed by doing so. Unfair contractual terms.

They wouldnt stand a chance of geting anything in court as the signage is inadequate to form a contract, both for position and content.

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Thanks for that idea, ericsbrother.

 

Development today: I went back to measure the sign and the penalty signs have been removed. Spoke to a local councillor who has got involved after complaints and she says the company removed them. So I am taking this to be a tacit acknowledgement that they know they can't enforce it. I'm certainly not paying and we will see if they try and take it further.

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Read the sign. Theres so much wrong with it its laughable.

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..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Thanks for that idea, ericsbrother.

 

Development today: I went back to measure the sign and the penalty signs have been removed. Spoke to a local councillor who has got involved after complaints and she says the company removed them. So I am taking this to be a tacit acknowledgement that they know they can't enforce it. I'm certainly not paying and we will see if they try and take it further.

 

Well done phuio,

 

Pay them "jack $h1t". ........

 

"Take it further". Ooooohh I hope they try that !!!!!

They've more chance of making snowballs in Hell :wink:

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Take picture of lack of signage and then you can ask for "strict proof" of claim should they wish to keep begging from you.

We all know that it will go nowhere but do respond forcefully to any further letters so they know that you arent going to roll over and pay up.

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my favourite quote from NPE is that people have been "imploring them to do something about it" since before they even had a contract with the landlord. They are either liars, clairvoyants or the people locally are sending out millions of random requests and some of them arrived at NPE's office, who then, as an act of altruisn offered to save the lives of everyone in Norfolk by the simple placement of an unintelligble sign. I know about the rumours about people from Norfolk (my grandfather came from Sidestrand near Cromer so I am also tarred with this brush )but even if you make some adjustments accordingly that is still a load of cobblers.

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Yep, I cannot believe anyone asked them to do anything about it. It's such a quiet car park and easy enough to navigate. It's probably far more dangerous expecting people to drive on to the main road, then immediately off it.

 

Anyway, good to see it make the local newspaper.

 

Thanks to everyone on the forum for their suggestions.

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