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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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Ashbourne management contract for 7 year old. Can I cancel?


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I wouldn't even entertain the thought of court, let me do a bit of digging about and see if there is anything like this out there.

 

And re-read the whole thread again...

 

OK just having a quick mooch about, and from what you have said, this could be deemed as 'pressure selling'.

 

And although there were no cancellation terms or cooling off period in the T&C's, you have done everything possible to minimise their loss, and have informed them in good time, that your son no longer wishes to continue.

 

IMO, I'd be willing them to take me to court, so that the DJ can give them what for...again!

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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Hi Feet,

 

You've asked them to tell them what loss they've suffered and they've failed to address this.

 

I would now ignore AMSL and not reply to them.

 

Make formal complaints to both Trading Standards and The CMA :-

 

1. That AMSL are making demands for classes due to start in September that you cancelled in June

 

2. That AMSL added a minimum period of 12 months after you signed the agreement.

 

3. The agreement was for karate classes for a 7 year old who changed his mind just after you signed up.

 

4. No service was ever provided and AMSL have failed to tell you of any loss they have have suffered as a result of the cancellation.

 

Keep it very short and focused - post the complaint here first if you want.

 

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Dear all,

I have written to AMSL one last time, requesting a letter of deadlock from them so I can take my complaint to the financial services ombudsman.

 

I understand that before you can get ombudsman service you need to have reached a formal deadlock. Im hoping that AMSL will realise I am happy to take the matter further and 'might' back down, only im not holding my breath! I will keep posting when I have further news.

 

Thanks for your advice and mental support.....it is appreciated.

Natalie

 

Sorry, the above thread should have read....consumer ombudsman service.

 

My letter was as follows....

 

I am writing to you regarding my membership dispute. I have been trying to contact you since 15.07.15 to cancel my 7 year olds karate classes -2 months prior to the contract commencing. I wrote to you on 14.09.15, 13.10.15 and 4.11.15 asking you to cancel these classes which he does not wish to attend and has not received services from. I have offered to pay a fair and reasonable penalty. I have also asked you to quantify any losses you have incurred as a direct result of this cancellation and you have failed to do so.

Your attempts to resolve my cancellation have not been satisfactory and you claim you are 'unable' to cancel without a penalty of £621, which feels unfair and unreasonable.

I feel we have reached a deadlock situation, and as such I am left with no alternative but to take my complaint to the consumer ombudsman service (COS)

Please issue me with a letter of deadlock so that I may refer this to the COS.

If I do not receive this written response, I shall assume you are in agreement that this case has reached a deadlock and I shall refer my complaint to the COS without further reference to you.

I look forward to your response,

........

 

 

I hope this will work..... natalie.

 

Ok.... now for trading standards and the CMA.......

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I notice that in october 2013 that you had a blog from a lady called carol, in dispute with AMSL over her 4 year old son needing to cancel karate classes for her 4 year old son who had an injured hand/thumb. This is the same karate club I am trying to cancel for my son.....

 

I wonder if anyone heard the outcome? Same teacher/owner.....

 

Club called Sutton Martial Arts Academy SMAA.

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My letter was as follows....

 

I am writing to you regarding my membership dispute. I have been trying to contact you since 15.07.15 to cancel my 7 year olds karate classes -2 months prior to the contract commencing. I wrote to you on 14.09.15, 13.10.15 and 4.11.15 asking you to cancel these classes which he does not wish to attend and has not received services from. I have offered to pay a fair and reasonable sum. I have also asked you to quantify any losses you have incurred as a direct result of this cancellation and you have failed to do so.

Your attempts to resolve my cancellation have not been satisfactory and you claim you are 'unable' to cancel without a penalty of £621, which IS unfair and UNLAWFUL.

I feel we have reached a deadlock situation, and as such I am left with no alternative but to ESCALATE my complaint FURTHER.

I NOW REQUIRE YOUR RESPONSE IN ORDER TO ESCALATE THIS MATTER.

 

I LOOK FORWARD TO YOUR TIMELY RESPONSE WITHIN 14 DAYS,

 

REGARDS,

..

 

A few changes made in bold, don't ask, always demand, they are providing YOU with a service, not the other way round.

Assertive, firm, and direct. Don't ask, tell and demand.

 

P.S. That very generous offer you have made should now be withdrawn, they are no longer entitled to that offer, they had their chance!

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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Hi Feet,

 

If you've already sent the letter, wait and see if/how they reply.

 

If you have not yet sent it, please wait !

 

The FOS (which is who you mean) will not deal with this matter, so you've no need to write seeking a "final response" before complaining.

 

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Hi Feeturing,

 

Don't worry about this. It's done now and we can't change that so just let us know when you get a written reply.

 

For your info, here's a link for the Ombudsman Service that confirms the limited services they provide - http://www.ombudsman-services.org/about-ombudsman-services-os.html

 

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  • 3 weeks later...

Hi all,

 

Well no surprise I didnt get my letter of deadlock which I requested from them on November 18th.

 

Instead I have received this week, 2 texts advising me that my account is in arrears, and to contact customer services.....and today I received a letter dated 4th December stating I had 7 days to pay £155 in arrears.

 

I am not sure how to tackle them now. Should I write to them stating that I give their lack of response as to my deadlock request as their agreement in the situation.? I recall thats how I worded it in my letter to them as opposed to giving them 14 days to respond.

 

I feel as though I should write to them asking for no further contact until they take me to court.....

 

Is this a good way to proceed?

 

Any advice is gratefully received.....

 

Many thanks

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Hi Feeturing,

 

If they haven't yet replied properly to your letter, I suggest you do nothing more for now.

 

You should ignore their payment demands and you have no need to call them to discuss anything.

 

You should see by now that writing to them gets you no further. You've done all you need for now so don't be afraid to simply ignore AMSL.

 

Thanks for making the complaint to The CMA, which adds to the cause. Did you complain to TS as well ?

 

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The CMA doesn't look into individual consumer complaints, just as the OFT didn't, BUT they will file all the complaints regarding a company, and once the drawer is full, they will then look into the outfit, so not a dead end in reality, in the long run it will help others.

 

Please forward those silly text message to 7726 (spam on your telephone keypad) this too will help in the long run, as your network provider will log the text message as a ''nuisance'' and will pass the info on to Ofcom to either remove their licence or most likely fine the company.

 

IMO I personally would accept their ignorance to issue you with a deadlock letter, or attempt to resolve your dispute, as confirmation that this is in dispute, therefore you are at liberty to escalate this whenever you wish, however fully expect them to inform any ombudsman that you haven't followed their procedures and have not exhausted their complaints procedure, but don't be put off by their lethargic practices.

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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  • 3 weeks later...

Hi all,

Sorry for my delay in updating but to be honest other than letters demanding money for arrears and text messages and calls which I have so far ignored, not much has changed.

 

Trading standards have also been informed of my dispute on several occasions when I have contacted citizens advice.

 

I guess now its a waiting game until they take me to court unless you have any other suggestions for me to move things along.

 

I appreciate all your advice and wish you all a hasstle free new year!

 

Many thanks, natalie

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Any text messages they send you should be forwarded to 7726 (spam on your phone keypad)

 

If you're receiving unsolicited phone calls, if you answer them, just laugh and hang up, or send them the telephone harassment letter, and go through your providers malicious calls procedure.

 

As for their puerile letters, just file them away under ignore.

 

If this ever does get to the courts, then they will lose.

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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Hi Feeturing,

 

If AMSL were going to take court action, they should have followed up their previous threats and taken action before now.

 

The longer they delay, the better for you.

 

HNY to you too.

 

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