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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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Interview in 1 week - I'm being interviewed by one of the candidates!


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My boss has 4 direct reports including myself - one of the roles is being made redundant, the person currently in this role I'll refer to as 'Coyote'. It is definitely Coyotes job that is being made redundant because they have a different job title to the other direct reports.

 

 

Coyote currently has no direct reports but has responsibility for the work that myself and my 2 other colleagues produce, hence a need for restructuring.

 

 

In the restructuring move, the remaining 3 positions would report into 3 new Shift Managers, who in turn will report in to my current boss. One of the 3 new Shift Managers will have senior ranking and will fill in for my boss when he is absent.

 

 

In a 1:1 when I was first told about the restructure, my boss told me that Coyote would get the senior ranking job, a current colleague will get one of the others, which leaves one job up for grabs, this looked like it would be a permanent nightshift role to give the other 2 people more exposure to senior management in office hours. He reeled off a list of potential applicants who 'definitely wouldn't' get this role. He said he thought I should apply but needed to prepare for questions regarding my limited 1 year 3 months experience in the current role.

 

 

I left my 1:1 feeling a bit begrudged that I would have to fight when others were being gifted and that my boss was potentially not doing things by the book. I did a lot of thinking and decided that I wouldn't allow myself to have to make any more difficult decisions and would put the onus of decision making back on to my boss.

 

 

I applied for the Senior Shift Manager role.

 

 

Today I received my invite for interview and noticed two things:

 

 

 

  1. Coyote (under her soon-to-be-redundant job title) would be interviewing me alongside my boss.
  2. I would be interviewed for the Shift Manager job, not the Senior Shift Manager job.

 

 

As Coyotes job is being made redundant, this surely makes them a candidate for any one of the 3 Shift Manager roles? It makes no sense to me why they would be involved as an interviewer.

 

 

In applying for the Senior Shift Manager role, I expected to come up against Coyote as a candidate, not be interviewed by them. I have not been formally told that I've been unsuccessful in applying for the Senior role.

 

 

The interview is on Thursday 17th September, so I have 7 days in which to say something. I don't want to say anything after the event because it would be seen as sour grapes if I was unsuccessful.

 

 

Does anyone have any advice on how I should proceed?

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get the chip off your shoulder? There's no legal requirement to give anyone an interview at all, many restructures are done by a CV sift. This would appear to be the process for how Coyote has been appointed.

 

You have been told what you are being interviewed for so I would say that is a firm notification that you have not got the senior job.

 

In a union? Talk to them. But given your short length of service I truly would not expect to get far. Your boss has been very open with you - perhaps more open than he should have been but he's given you a realistic expectation and tried to take some uncertainty out of the process. Not sure why you are choosing to ignore this.

 

My expectation would be that stirring the pot will ensure you are also unsuccessful at interview.

 

Take a telling!

Never assume anyone on the internet is who they say they are. Only rely on advice from insured professionals you have paid for!

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get the chip off your shoulder? There's no legal requirement to give anyone an interview at all, many restructures are done by a CV sift. This would appear to be the process for how Coyote has been appointed.

 

You have been told what you are being interviewed for so I would say that is a firm notification that you have not got the senior job.

 

In a union? Talk to them. But given your short length of service I truly would not expect to get far. Your boss has been very open with you - perhaps more open than he should have been but he's given you a realistic expectation and tried to take some uncertainty out of the process. Not sure why you are choosing to ignore this.

 

My expectation would be that stirring the pot will ensure you are also unsuccessful at interview.

 

Take a telling!

 

Agree. Don't moan about this, otherwise you will find yourself out of a job. Coyote has obviously already been taken out of their previous role and is now a senior shift manager interviewing you with the unit manager for a role you are being considered for.

 

It sounds like you are well thought of and are fortunate to be considered for promotion, given your limited time in your current role. If you do well, you may get to the next level quickly.

We could do with some help from you.

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Thank you for the reality check. I am following your advice and have kept my thoughts to myself.

 

I am going through the interview process this week and have already completed the internal aptitude testing.

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I certainly will update.

 

Interestingly, an internal candidate withdrew from the process yesterday and cited the reasons I stated in my initial post.

 

I listened to their points but didn't pass comment and casually changed the subject. After all, it could just be smoke and mirrors

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I certainly will update.

 

Interestingly, an internal candidate withdrew from the process yesterday and cited the reasons I stated in my initial post.

 

I listened to their points but didn't pass comment and casually changed the subject. After all, it could just be smoke and mirrors

 

The classy response ☺

Never assume anyone on the internet is who they say they are. Only rely on advice from insured professionals you have paid for!

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I had the interview today with my boss and Coyote.

 

My boss referred to my application for senior shift manager and said that this interview was for shift manager. Coyote "has been given" the senior role. My boss referenced Coyotes level of experience as being unmatched, hence no requirement to interview them.

 

All the while Coyote was sat there looking like the cat who got the cream, that was just a side show and I reasoned that I had to take my medicine with a smile.

 

On to the aptitude test results, interview and presentation.

 

I was above 70th percentile for numerical and verbal reasoning in comparison to other management level candidates who have taken the aptitude test. Not stellar but doesn't show any weakness.

 

The interview was lead by my boss and it was trickier than I imagined. I was expecting more of a technical interview but it was packed with scenario based questions. My boss made it harder because he knows I can people manage well and forced me to answer the questions without referencing that skillset. Two of my answers were weak due to this. Coyote kindly interjected occasionally to highlight omissions in my answers.

 

The presentation went well - it was a set subject of what I'd do in the first 9 months in the role, 10 minute limit. I had practised thoroughly, it flowed well and was delivered clearly in 9min 30sec.

 

A shortlist will now be created and if I'm successful, a 2nd HR/Finance led interview will take place around 30th Sept.

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From what you have written, if I were Coyote I'd read your bad attitude toward her a mile off....

Never assume anyone on the internet is who they say they are. Only rely on advice from insured professionals you have paid for!

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