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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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Bevis launches petition to get parliament intervention


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https://petition.parliament.uk/petitions/111925

 

 

 

Aiming for a cap on the parking charges

 

As someone that donated to the court appeal funds - Signed

Edited by SabreSheep
Adding in the fact I too have Signed :)

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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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Signed

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Will it make it in time for the next newsletter?

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

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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Signed - I have circulated it around our offices as there have been quite a few who had tickets - some of them paid up - others I gave info to appeal.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Will it make it in time for the next newsletter?

 

It will :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Just a little bump on this :)

 

2000+ sigs so far.

 

You can help by linking to it on facebook twitter etc.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

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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I am more than happy to add my name to the petition.

 

 

As a car owner for almost 50 years I have seen the advent and rise in parking and other charges levied on motorists

 

 

along with associated penalties from parking meters through resident parking, congestion charging and clamping to 24-hour municipal carpark

s that now charge Blue Badge holders for using designated disabled bays.

 

 

Whilst charging and enforcement are necessary in some areas to prevent things from getting out of hand,

 

 

in others restrictions are imposed purely to create a revenue stream and penalise the motorist yet again.

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2,524 signatures now. I am hoping that people are using the link within the CAG newsletter :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Signed… spoke with someone working in ANPR last week - didn't realise CAPITA owns PARKING EYE - for what it's worth, Industry knowledge is that Capita said they would pick up all Parking Eye court costs, Win or Lose and knew they would win even before it went to court? Smells like yet another bribe the judges job.

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My late father was a chauffeur

 

 

one day he had to take his boss (a magistrate amongst other things) to a do in Southend on Sea,

 

 

when he arrived he pulled up outside the venue, which had double yellow lines and was met by a policeman who said

" you can't park here mate, move on now"

 

 

he explained he was just dropping off his boss and then would be gone,

but the PC decided no he would not let him do that,

so dad drove around the block to try and find somewhere close to the venue to drop off his boss.

 

 

When he got around near the venue front he saw that the Mayors car and chauffeur were parked on the same double yellows as he had been chased off from,

so he pulled up went round and opened the door for his boss and the PC came like a rocket and said

"I told you once, you can not stop there, I am going to give you a ticket for parking on double yellow lines"

 

 

so my dad, very quick thinkingly said

"if you ticket me then make sure that you give THAT car a ticket too as he's parked on Double Yellow lines too"

the PC thought for a minute and walked away, no ticket issued,

so my dad let his boss out and stayed there all evening,

 

 

when the do finished he let his boss get in and drove him home,

the mayors car was still parked on the DY's when he left.

 

 

Apparently the following day his boss complained to the Officer in charge at Southend Police Station and the PC got a warning...

.. talk about 2 sides to every story......

. and 2 sets of rules, and for info a JP has a small sticker in the front window of his car which just has the letter "J", nothing else

and you even get away with speeding tickets etc if you have that........

Keefy (:-)The "Moaner":rolleyes:)Boy

Prepared to take on anyone until I win...................

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Very poorly worded petition open to all kinds of random replies from parliament. But signed anyway.

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

:D

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Signed… spoke with someone working in ANPR last week - didn't realise CAPITA owns PARKING EYE - for what it's worth, Industry knowledge is that Capita said they would pick up all Parking Eye court costs, Win or Lose and knew they would win even before it went to court? Smells like yet another bribe the judges job.

sorry, it isnt necessary to bribe the judges, they are mostly commercail barristers before they become judges so they will always side with the money by instinct. Also, they made it clear they wanted to make all contract law the same so you no longer need a level playing field because the judges have decided that everyone has the opportunity to consult their lawyer before considering an advertisement in the street. That is what is meant be equal under the law.

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I think its just the typical tricks that these Car Parking companies use,

 

 

putting signs in inconvenient places, fo r example our local Sainsburys has now introduced parking restrictions,

 

 

the private car parking company place a sign about 3 feet wide and 1 foot high with the sign placed on a bend at the rear of a building

where you have to concentrate on the road, so you can not read the sign if you are driving correctly to avoid an accident,

 

 

then when you do actually get into the car parking area there are signs, but they are mounted approx 10-12 feet up the lighting poles

and the print is small to say the least,

 

 

I would say something between a 6 font for most of it, which is totally unreadable with good eyesight let alone someone like me with bad eyesight

and many others,

 

 

the signage is very dirty and at the best of times is virtually unreadable,

so that combined with the bad location signage as you enter is totally against the motorist from the minute they turn into the road.

 

 

I have seen people get tickets and advised them to NOT PAY it and go and complain to the manager of the store,

 

 

(one day I managed to get a queue of 8 people all wanting to have a go at him and I just happened to have a copy of a draft letter to Sainsburys head office

which I gave each, several got back to me later to say their tickets had been rescinded by sainsburys instructions to the parking company

 

 

one of these people had just spent over £500 in the store and then walks out 7 minutes late to find a ticket on the windscreen.

 

 

... I have done a little thing, which I don't want to disclose on here, and am waiting for a ticket to check it out if it works....

 

 

.. and if it doesn't watch this space because the sparks will fly, this is done in conjunction with my solicitor and it will be a test case..

 

 

.. I've already contested 3 council issued tickets and won each as they had to back down because their employees had done it wrong..

 

 

... oh what a surprise, so I am waiting to see what happens......

Keefy (:-)The "Moaner":rolleyes:)Boy

Prepared to take on anyone until I win...................

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