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    • 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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Why has the advice changed (used to be "always ignore")?


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Hello,

 

This is not an individual query about an invoice, just a general question about why the CAG experts' advice on parking charges has done a complete U-turn from what it used to be.

 

A few years ago, the blanket advice was "ignore, ignore, ignore" "do not enter into communication with the PPC", etc.

 

Why are the instructions now the complete opposite? Is it because of POFA or did some PPC manage to win against an "ignoring" person when in the past it was thought this was impossible?

 

Thanks,

Tom

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Hello,

 

This is not an individual query about an invoice, just a general question about why the CAG experts' advice on parking charges has done a complete U-turn from what it used to be.

 

A few years ago, the blanket advice was "ignore, ignore, ignore" "do not enter into communication with the PPC", etc.

 

Why are the instructions now the complete opposite? Is it because of POFA or did some PPC manage to win against an "ignoring" person when in the past it was thought this was impossible?

 

Thanks,

Tom

 

Because of this;

 

http://www.legislation.gov.uk/ukpga/2012/9/schedule/4/enacted

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Blanket ignore advice may not be best. Each case on its own merits.

 

Are that many people being taken to court because of unpaid private parking penalties ?

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If you break that down right from the beginning, it says:

 

Introductory.

 

 

1 (1) This Schedule applies where—

 

 

(a) the driver of a vehicle is required by virtue of a relevant obligation to pay parking charges in respect of the parking of the vehicle on relevant land; and

 

(b) those charges have not been paid in full.

 

(2) It is immaterial for the purposes of this Schedule whether or not the vehicle was permitted to be parked (or to remain parked) on the land.

 

 

2 (1) In this Schedule—

 

“the appropriate national authority” means—

 

(a) in relation to relevant land in England, the Secretary of State; and

 

(b) in relation to relevant land in Wales, the Welsh Ministers;

 

“the creditor” means a person who is for the time being entitled to recover unpaid parking charges from the driver of the vehicle;

 

You will notice it says

 

"the driver of a vehicle is required by virtue of a relevant obligation to pay parking charges in respect of the parking of the vehicle on relevant land; and (b) those charges have not been paid in full".

 

But there is no charge in supermarket carparks, (as well as millions of others), and

 

"entitled to recover unpaid charges", but if there is no charge, then there is nothing to recover, so the whole thing must be irrelevant.

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Blanket ignore advice may not be best. Each case on its own merits.

 

Are that many people being taken to court because of unpaid private parking penalties ?

 

1000's were taken to court by parking eye alone in 2014

 

 

https://www.whatdotheyknow.com/request/255014/response/627902/attach/html/2/AFINALShipp%2096114.xls.html

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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If you break that down right from the beginning, it says:

 

 

 

You will notice it says

 

"the driver of a vehicle is required by virtue of a relevant obligation to pay parking charges in respect of the parking of the vehicle on relevant land; and (b) those charges have not been paid in full".

 

But there is no charge in supermarket carparks, (as well as millions of others), and

 

"entitled to recover unpaid charges", but if there is no charge, then there is nothing to recover, so the whole thing must be irrelevant.

 

 

 

 

In my opinion it is an ill thought out piece of legislation.

 

 

The 'relevant obligation' is due to what is written on the signs that the driver read apparently....

 

 

 

 

“parking charge”—

(a)

in the case of a relevant obligation arising under the terms of a relevant contract, means a sum in the nature of a fee or charge, and

 

(b)

in the case of a relevant obligation arising as a result of a trespass or other tort, means a sum in the nature of damages,

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I'm not suggesting people should ignore if taken to court, but I wonder how many cases were won by default and how many defended cases were won by PPCs.

 

Also, how many PCNs were issued that didn't go to court and were ignored.

 

I guess we'll never know.

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I'm not suggesting people should ignore if taken to court, but I wonder how many cases were won by default and how many defended cases were won by PPCs.

 

Also, how many PCNs were issued that didn't go to court and were ignored.

 

I guess we'll never know.

 

Quite a lot by default i would think. They must only take a percentage of people to court and not everyone they issue a parking ticket to, which is not paid.

 

I should imagine that few people can be bothered to go to court and defend. In the end there is probably some agreement to pay a fee for parking, plus the claimants court fee, so in the end the amount is not much different than the original parking ticket. So could be a waste of time.

 

Best advice is to challenge the parking ticket immediately after it is issued or agree to pay a reasonable parking fee.

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Quite a lot by default i would think. They must only take a percentage of people to court and not everyone they issue a parking ticket to, which is not paid.

 

I should imagine that few people can be bothered to go to court and defend. In the end there is probably some agreement to pay a fee for parking, plus the claimants court fee, so in the end the amount is not much different than the original parking ticket. So could be a waste of time.

 

Best advice is to challenge the parking ticket immediately after it is issued or agree to pay a reasonable parking fee.

 

I got 3 tickets last year, given at the same place. Had lots of letters for a few months, the last one for each said the dca would refer back to the parking companies solicitors and they'd advise prosecution. I have not engaged with them at all. No court papers yet and that was months ago.

 

Company is PCM who are members of the IPC.

 

I'm not saying everyone should do that but it's right for me and if they take me to court they will have a fight on their hands.

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Best advice is to challenge the parking ticket immediately after it is issued or agree to pay a reasonable parking fee.

 

 

Quite shocking and wrong advice.

 

So you appeal a NTD straight away? And give away the drivers name and address even though the PPC is not using the POFA?

 

You need to be more informed about how this murky world of PPCs actually works, before mis-informing OPs how to deal with these invoices.

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Quite shocking and wrong advice.

 

So you appeal a NTD straight away? And give away the drivers name and address even though the PPC is not using the POFA?

 

You need to be more informed about how this murky world of PPCs actually works, before mis-informing OPs how to deal with these invoices.

 

Explain more please.

 

E.g if i parked at say Lidl and overstayed the 90 minutes allowed and received a parking ticket, what would you advise. I am the sole driver of the vehicle and i did overstay the 90 minutes free parking. There are loads of signs explaining the parking at the entrance to the car park, throughout the carpark and inside the store. I am provided with evidence of my car being in the car park beyond the 90 minutes allowed.

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Well first off, do they have the authority to issue tickets on that land?

Then do they have authority to erect signs on that land and have they gone through the relevant planning process for that permission.

 

A NTD should be ignored, and await the NTK simply because if they fail to issue it within the timescale laid down under the POFA

(not earlier than 28 days after, or more than 56 days after the NTD was issued) then they have failed, and no action can be brought.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Well first off, do they have the authority to issue tickets on that land?

Then do they have authority to erect signs on that land and have they gone through the relevant planning process for that permission.

 

A NTD should be ignored, and await the NTK simply because if they fail to issue it within the timescale laid down under the POFA

(not earlier than 28 days after, or more than 56 days after the NTD was issued) then they have failed, and no action can be brought.

 

Ok so they send the NTK within the time frame, what next ?

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Appeal to them, they issue you with a POPLA code, or appeal to the IPC and using various arguments of appeal, including GPEOL, you

state your case.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Appeal to them, they issue you with a POPLA code, or appeal to the IPC and using various arguments of appeal, including GPEOL, you

state your case.

 

So if i had a ticket for £60 for say a 10 minute overstay, i could appeal to POPLA using GPEOL argument, plus say long queue at the tills and POPLA may agree my appeal ?

 

When i was in the local Lidl they had many people with tickets complaining at the tills. Not sure how they spent 90 minutes on a shopping trip, but one was an old lady who needed a walking stick to get around.

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Yes most definitely!

Plus a formal complaint to Lidl management saying that you will never shop there again because of their

clueless PPC, the fact that you have shopped at the store, and that the car park is free, so there is NO loss

to anyone, least of all the extortionate £60 parking lie try and con out of drivers.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Explain more please.

 

E.g if i parked at say Lidl and overstayed the 90 minutes allowed and received a parking ticket, what would you advise. I am the sole driver of the vehicle and i did overstay the 90 minutes free parking. There are loads of signs explaining the parking at the entrance to the car park, throughout the carpark and inside the store. I am provided with evidence of my car being in the car park beyond the 90 minutes allowed.

 

Athena are the normal PPC for Lidl I believe. As you parked in the car park to shop in Lidl, then provide a copy of the drivers receipt and the charge will be cancelled.

 

Or is that not on the loads of signs at the entrance and throughout the car park and inside the store??

 

No it is not. A hidden clause then...

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Athena are the normal PPC for Lidl I believe. As you parked in the car park to shop in Lidl, then provide a copy of the drivers receipt and the charge will be cancelled.

 

Or is that not on the loads of signs at the entrance and throughout the car park and inside the store??

 

No it is not. A hidden clause then...

 

Never had a parking ticket. I always check parking signs to see the conditions for usage and have never gone beyond the time allowed.

 

But plenty of people don't read signs or ignore what they say !

 

They make good money from these private parking fees and they will pursue them.

 

It is deciding the best way to deal with it, which i guess depends on each individual circumstance.

We could do with some help from you.

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You asked the question in post# 13.

 

I answered it.

 

Yes !

 

Perhaps an idiots guide to private parking taking into account new laws would be useful. I.e a simple flow chart.

We could do with some help from you.

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Yes !

 

Perhaps an idiots guide to private parking taking into account new laws would be useful. I.e a simple flow chart.

 

A 'simple ' flow chart is not that simple to do and would be quite time consuming!

 

There are some on other websites but they become out of date when you consider different ATAs and whether a certain PPC is using the POFA etc. Also the Beavis result may or may not change things dramatically when we hear it....

 

Also GPEOL is not a winner at POPLA currently due to Beavis.

 

The current winner is lack of standing.

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Lacking of standing ?

 

What would be a typical situation for a successful appeal using this ?

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Lacking of standing ?

 

What would be a typical situation for a successful appeal using this ?

 

You request proof at POPLA that the PPC has the authority to issue and pursue parking charge notices at the site in question.

 

This does not work at the kangaroo IAS, but then not much does...

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?446777-POPLA-win-on-no-contract.

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