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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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Government Brexit Skeleton Argument


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I refer to TJ's post 44 which to me reads this whole outcome was orchestrated.

maybe it was..

take Bertis for eg. on the one hand he was all out for out, but, on the other he had been not long before interviewed saying how being in was good. he cant then lose (it seemed), whatever the outcome of the ref. ie chameleon; wear whichever political suit fits its (favourable) circumstances :)

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I refer to TJ's post 44 which to me reads this whole outcome was orchestrated.

Depends what you mean by orchestrated,

Was the referendum for 'the people', or to quiet the Tory right?

... I have absolutely no doubts whatsoever that it was purely to quiet the Tory right and that if it had been JUST the public's will - it would NEVER have happened - just quietly ignored

 

 

Did Cameron think the populace would vote out

Almost certainly NOT

 

 

Was Cameron Planning on and working for an OUT vote?

I dont believe so, but neither was he working for an IN vote and risk upsetting that Tory right.

He was standing back hoping the polls were right and GAMBLING on an in vote that he could stand back from and not be 'besmirched' by.

 

 

Did Cameron give a damn about what the public wanted?

I dont believe that in the slightest

- even ignoring everything else, his 'EU renegotiation' proved to me beyond even the faintest shadow of a doubt that all he was worried about was the hard Right rich and powerful of the Tory party.

 

 

Does Farage believe in OUT?

- absolutely

 

 

Is Farage right?

Not by a looooong shot in my opinion, but he isnt entirely wrong either

- just a vast amount more wrong than right - and he is very right (wing).

Lets all understand that Farages' politics is the xenophobic politics of the fascist right. These are national front in posh frocks and theirs is the politics of hate and division.

 

 

Does Johnson Gove and IDS BELIEVE in OUT like Farage?

I dont believe so. I'm quite sure they are just political opportunists who would see Britain or anyone else burn to the ground if it progressed their own interests. and they saw OUT as progressing their interests - until they all reverted to type and started stabbing each other in the back instead of just Cameron and the country.

 

So all this 'Dont defy the will of the people stuff?

Is the Tory right now driving everything as the splits in all the parties leave them with 'relatively more power against all the other smaller divisions,

and nobody has the balls to drive the only real option against the rights will

and Corbyn doesn't want to even if he could - which would be a hard fight he doesnt even want to win. He wants OUT and he's getting it..

 

(Corbyn is almost certainly now a very black page in UK political history that simple doesn't realise the wipe is done and its long past time to flush the page away - but he's a megalomaniac fanatic)

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

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until they all reverted to type and started stabbing each other in the back
yep.

this is how it wld've went re bertis

Interviewer - so, B the people have voted to stay in.

B - yes, the people have voted. we must respect our democracy, sovereignty etc. this is a great eg of the uk democratic process

Int- but, you advocated out. will you still then advocate out and even challenge the result given that its not binding.

B - no, as above. I have said before that being in the eu is better for the uk overall.

I- so why did you advocate out then.

B - Ernieage said to do so, and that i might become an out pm if so. otherwise, i wld have no chance of ever becoming pm.

:)

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yep.

this is how it wld've went re bertis

Interviewer - so, B the people have voted to stay in.

B - yes, the people have voted. we must respect our democracy, sovereignty etc. this is a great eg of the uk democratic process

Int- but, you advocated out. will you still then advocate out and even challenge the result given that its not binding.

B - no, as above. I have said before that being in the eu is better for the uk overall.

I- so why did you advocate out then.

B - Ernieage said to do so, and that i might become an out pm if so. otherwise, i wld have no chance of ever becoming pm.

:)

 

 

Spot on,

I'll never forget the genuine look of abject fear on Boris' face when the out vote was announced, and he thought it was all going to drop in his lap. Commented on it here at the time I believe.

Bet he thinks of Gove as his savior.

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

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and the version re out

 

Interviewer - so, Bertis the people have voted out.

B - yes, the people have voted. we must respect our democracy, sovereignty etc. this is a great eg of the uk democratic process

Int- but, you said just before advocating out that being in the eu is good for the uk overall

B - 'rubbish'. it is as above.

I- so why did you advocate out then.

B - Ernieage said to do so, and that i might become an out pm if so. otherwise, i wld have no chance of ever becoming pm.

I-well, you are now foreign sec..

:-)

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Lets give it the proper heading

Vote Leave director admits they won because they lied to the public

 

 

"Pundits and MPs kept saying ‘why isn’t Leave arguing about the economy and living standards’. They did not realise that for millions of people, £350m/NHS was about the economy and living standards – that’s why it was so effective.

 

It was clearly the most effective argument not only with the crucial swing fifth but with almost every demographic. Even with UKIP voters it was level-pegging with immigration. Would we have won without immigration? No. Would we have won without £350m/NHS? All our research and the close result strongly suggests No. Would we have won by spending our time talking about trade and the Single Market? No way."

 

 

http://www.thelondoneconomic.com/wp-content/uploads/2017/01/SWNS_BREXIT_BUS_15.jpg

 

SWNS_BREXIT_BUS_15.jpg

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

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yep.

 

wonder if Bert and Ernie et al can be sued for misrep or breach of contract or..., in consideration of a vote! No doubt though they wld then argue it was a political 'invitation to treat' laugh.gif

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yep.

 

wonder if Bert and Ernie et al can be sued for misrep or breach of contract or..., in consideration of a vote! No doubt though they wld then argue it was a political 'invitation to treat' laugh.gif

 

I'd prefer treason

But I'll settles for abuse of position of trust

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

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But I'll settles for abuse of position of trust

yeah

1. A person is in breach of this section (s4 fraud act) if he:

a) occupies a position in which he is expected to safeguard, or not to act against, the financial interests of another person

b) dishonestly abuses that position, and intends, by means of the abuse of that position:

 

  • to make a gain for himself or another, or
  • to cause loss to another or to expose another to a risk of loss

2. A person may be regarded as having abused his position even though his conduct consisted of an omission rather than an act.

 

dishonesty being a no contest.

 

:)

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forgot to link above this interesting (for the technical) side point (re another poss issue requiring parliament, although prob 'easily corrected'.)

'...It is highly likely that the government also needs parliamentary authority to trigger exit from Euratom...In addition to securing parliamentary approval for a Euratom exit, the government will need to be confident that, once triggered, the two-year Euratom exit timetable is sufficient to put in place replacement arrangements to avoid a damaging hiatus for the UK nuclear industry......'

http://www.world-nuclear-news.org/V-Brexit-white-paper-confuses-Euratom-debate-08021702.html

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  • 2 months later...

'..a retired Scottish doctor claimed the law requires there to be a second referendum on any withdrawal agreement.... a former radiologist from Glasgow, sent a letter before action – usually the first step in taking disputes to court – to the Prime Minister, in which he argued Section 2 of the European Union Act 2011 requires a referendum before the UK can leave the EU...He said he has asked Ms May to respond formally to his letter by Friday 12 May.'

http://www.independent.co.uk/news/uk/politics/theresa-may-brexit-court-challenge-second-referendum-dr-andrew-watt-a7709136.html

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