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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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Vodafone refuse hospilised and sick people a change in contract


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I have recently been very unwell and in hospital and was unable to cancel my upgraded Vodafone contract within the specified 14 days of renewal on the 12 January, 2015. I phoned Vodafone today to explain the situation and was shocked to find out that they have no process to deal with such situations and I am tied into an 18 month contract, despite the fact that I am unwell, can no longer work and quite frankly am unable to pay the tariff I am locked into. I asked for them to reduce the tariff and the only reply I could get was 'You are outside the 14 days of terms and conditions'. I asked if they had an appeal process by which I could explain my situation and support this with medical evidence. The reply was' You are outside the 14 days of terms and conditions'. I explained that I had not set up or even put the sim card into the new iphone5 they had sent me and I was perfectly happy to return the phone as long as they could reduce my tariff. The answer I got was 'You are outside the 14 days of terms and conditions'

I asked to speak to a manager to discuss this - the answer I got was 'No mangers do not discuss these issues - you are outside the 14 days of terms and conditions.

This is outrageous with a company as large as Vodafone that they have no system or support or flexibly

for extenuating circumstances such as myself and I am sure other people.

I have been advised that Lee the Vodafone rep should be able to advise me on how to move forward from the dreadful situation as I am unable to pay the current tariff and quite frankly am stressed enough with illness without this extra, totally unreasonable response and behaviour from Vodafone.

I am currently working with Stepchange Debt Management Charity, so will ask if they have any advise on how to move forward.

Please can you advise?

Edited by Littlepetal
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Hi and welcome to CAG

 

You would think that with all the staff VF have, there would be at least one ounce of common sense between them but then again, you are dealing with the phone drones who have no idea what to do should a question not appear on their script.

 

As it is, we have a pretty decent rep here who may be able to assist.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?213340-Vodafone-Webteam-for-Customers-With-Problems-**UPDATED-November-2014**&p=2343766&viewfull=1#post2343766

 

The web team are quite good at resolving issues so click on the link above and follow the instructions--to the letter-- then post up here the auto reply number so that tthe team can find your email

 

Stay off the phone to the normal customer services and when you get some response from VF update us please.

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

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Hi,

 

I had an issue with Vodafone last year and my MP wrote to the Chairman of Vodafone. It was a different issue but all charges were immediately dropped and so you could try your MP under the circumstances? I assume you simply want to step your contract down to a lower tariff? Doesn't seem unreasonable if you can't afford the higher one as it doesn't sound like you're actually asking to be released?

 

I also know of the work StepChange do, I helped a friend last year who had come across hard times and they were brilliant at managing some pretty big players in the CC world and so should imagine that they'd know how to approach this, either with the help of Vodafone or otherwise. They're the experts!

 

Seems like a bit of a no brainer to me: Vodafone reduce your contracted tariff, you pay, everyones happy vs long drawn out discussions about how they'll take you to the debt collectors if you don't pay and ruin your credit rating. I don't mean to be rude here, but if you're working with Stepchange already, you probably don't have a good credit rating anyway and so this wouldn't be such a big problem for you as it would some people. Although correct me if I'm wrong!

 

Peopod

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