Jump to content


  • Tweets

  • Posts

    • 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
    • Thank you dx, that is what I intend to do now. I have gone through all the SAR documents, a lot of which I am seeing for the first time! As per my previous post #116 letters and statements alleged to have been sent to me, as recorded on their system notes I have not received. Letters I have sent requesting information and account statements have not been recorded as being received by them, all were sent either by Recorded or Special Delivery. I have all the proof you menrtioned from my files for payments and from their SAR info for fees added. Thanks t
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

CMS/Gladstones claimform - windscreen PCN rental car - QUEEN STREET APARTMENTS (Leicester)


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2235 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

don't need to see blank court forms.

 

when you get YOUR n180 from the COURT

you object to the paperhearing.

 

now what we do need to see is aLL of the claimant WS inc all the exhibits

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • Replies 59
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

on this form you tick NO to mediation.

the rest is self explanatory.

 

In the box for other info state that you want the matter to be dealt with by way of a hearing at your local county court.

 

Again, this can be done online via MCOL so if the blank form is from Gladstones then what are you thinking about given that we have said ignore their tricks.

 

Please find attached further documentation received from both the courts and the solicitors.

 

Advice/feedback/suggestions welcome.

Link to post
Share on other sites

Okay, so on the N180 form;

 

Question A1 "Do you agree to this case being referred to the Small Claims Mediation Service?" .. I've stated no.

Question C1 "Do you agree that the small claims track is the appropriate track for this case?" .. I think this should be a yes, but not 100%? I also need to give a reason if I state no.

 

This form came BOTH from Gladstones, and the county court (I have two copies).

Link to post
Share on other sites

no to mediation

1 wit you

the rest is obv

 

copy to court

copy to gladdies minus email/phone

 

copy for your file

READ OTHER THREADS!!

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

small claims is yes, the sum is set for there.

 

Occasionally if it was a very "interesting" bit of law then multitrack may be appropriate but then costs become allowable.

 

If you were suing your employer for damages of say £1000 for personal injury but had £10k costs riding on it then you wouldnt go small claims procedure

Link to post
Share on other sites

  • 2 weeks later...

so will go to your local court unless there are special reasons for it to be heard elsewhere.

 

You can ask for a hearing at a court close to where you work for example.

 

You may also be given instructions to provide evidence for case management.

 

This would apply

mostly to CMS

if the judge thinks they havent done enough to show a cause for action in their particulars of claim.

 

Gladdys and BWL are well known and with defended cases they are quite often told to produce a proper reasoned claim rather than the cut and paste job they use.

Link to post
Share on other sites

  • 1 month later...

An overdue update attached.

 

I assume that "I do not agree that the claim should be dealt with on the papers alone".

 

Gladstones have said they do wish to progress based on papers alone.

Link to post
Share on other sites

correct you object

have you exchanged witness statements yet?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Deffo not papers alone Gladdys love papers alone they dont want their demic (Manchester synonym for garbage or broken) POC challenged.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

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

If you want advice on your thread please PM me a link to your thread

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

Link to post
Share on other sites

what did you put in your skeleton defence?

You have supremacy of contract so thus cannot breach their conditions because you dont have a contract with them and they cant force one upon you.

 

This menas they have no cause for action against you.

 

Dud you do a CPR 31.14 and if so did they respond?

 

IF not you state that you beleive they have no locus standi as there is no contract between them and the landowner that allows them to make civil claims against ANYONE.

 

It might be worth adding these points to your not requesting a hearing, the last one you could say that you request the claim to be struck out because they have no locus standi.

Link to post
Share on other sites

Deffo do as EB says, your lease gives you supremacy over anything the Parking cowboys say, so they do not have anything to base their claim on.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

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

If you want advice on your thread please PM me a link to your thread

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

Link to post
Share on other sites

  • 2 weeks later...
correct you object

have you exchanged witness statements yet?

 

Witness statements? Nope. Didn't realise that was a thing in these cases.

 

what did you put in your skeleton defence?

You have supremacy of contract so thus cannot breach their conditions because you dont have a contract with them and they cant force one upon you.

 

This menas they have no cause for action against you.

 

Dud you do a CPR 31.14 and if so did they respond?

 

IF not you state that you beleive they have no locus standi as there is no contract between them and the landowner that allows them to make civil claims against ANYONE.

 

It might be worth adding these points to your not requesting a hearing, the last one you could say that you request the claim to be struck out because they have no locus standi.

 

Surely if they have no cause for action against me, I would win if the case was dealt with on papers alone? Historically, what happens if the case "goes to papers".

 

As for my defence:

 

- No way for me to obtain a permit.

- No clarity on who is being sued, owner or keeper.

- The parking chargelink3.gif notification is effectively a penalty to deter parking, which is unlawful.

- Signs unclear

- No response to CPR 31:14link3.gif request.

 

Deffo do as EB says, your lease gives you supremacy over anything the Parking cowboys say, so they do not have anything to base their claim on.

 

As above, if they have no basis for their claim, why can't I go to papers for a quicker resolution?

Link to post
Share on other sites

papers only hearing still requires witness statements to be exchanged.

 

they don't want theirs examined and pulled to pieces by you

as the judge wont question anything they state.

that's why you object.

 

can we have the exact verbatim text of your defence

this will be VERY important.

 

 

has there been a court hearing date set yet?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Papers only will give Gladdys the chance to lie, and lie some more, and gain a bent CCJ.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

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

If you want advice on your thread please PM me a link to your thread

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

Link to post
Share on other sites

Plus, these conmen often bottle it and don't turn up to court.

 

Or else send some third party along who can't legally represent them.

 

Both ways lead to an easy win.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

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

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

TBH defence misses the main points and that is a lack of contract to breach.

 

They will now try and lie to say that you have admitted there is a contract by not denying this point,

one of the reasons they will ask for a hearing on the papers.

 

The other main reasons are they will submit all of their evidence late so you dont get to see it,

they will tell lies and you wont get to challenge it and lastly it is cheaper for them.

They are terrible solicitors but this is their business so a hearing on the papers means you will lose, simple as that.

 

You need to get in the right mindset with this and start reading up on all of these things otherwise you wont know what to say on the day.

All the warnings about paper hearings are well recorded here and elsewhere but you havent bothered to look into it.

 

Get proactive, show us your lease for example,

measure and photograph everything,

position of signs relative to entrance etc

all small points but important if the judge decides a contract CAN exist when we dont think it does.

Edited by honeybee13
Paras
Link to post
Share on other sites

  • 1 month later...

Recent communication attached.

 

Admittedly I haven't been particularly proactive during this case, but unfortunately my life is too busy to allocate much time to this issue. In all honesty, I wish I had just paid the original fine now - even though it's clearly unjust.

 

But, we're through the looking glass, so I'll have my day in court, and we'll see what happens.

Link to post
Share on other sites

they have gambled on you paying up to limit their costs (and thus make more of a profit as the claim includes the court fee they HAVENT paid yet) so when the 9th passes you get onto the court and ask that the claim be struck out under CPR 16.4 as they have failed to show cause for action and locus standi by way of a CPR 31.14 request for documents AND IN ANY CASE because they have failed ot pay the fee.

 

If you dont whack this letter in the courts tend to be lenient on late payers and have been known to allow the reinstatement of a case 6 months late so a letter will remind the court that you are interested and force them to either remind gladdys to get their chequebook out or abandon and then you can go for costs if you wish.

Edited by DragonFly1967
Added paragraph
Link to post
Share on other sites

IT IS NOT A FINE PETER stop using that word.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

so witness statement time.

what date is the hearing?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...