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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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Help please Direct bikes retail ltd


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The thing is with Direct Bikes is that the majority of their stock is directly delivered from India where they are made so I assume they don't have much stockwise.

 

 

Direct Bikes CANNOT refuse your statutory rights to cancel, especially where there is damage. They will continue to spout that you have no rights as you didn't examine the bike on delivery. THEY ARE WRONG! Pure and simple.

 

 

The address on their website is probably a virtual office ( a desk in an office managed by another company) I see that there is no showroom to visit which makes things awkward. Rather than send it to their London address, I would send it to the registered address listed with Companies House.

 

 

I do see some problems. I would expect them to refuse delivery which then puts you back at square one. If you did send it back at your cost, you wouldn't be able to do a chargeback for the cost of arranging delivery as any contract would be with the courier company and not Direct Bikes. Yes you can do the chargeback for the bike once it has been picked up although I expect that visa won't be that quick in refunding you but you would still have to sue Direct Bikes for the cost of returning it.

 

 

I wonder if WatchDog would be interested in them? If I remember rightly, they did a piece on a previous entity.

 

 

Anyway, that was my thoughts when I woke up this morning (I know-sad b*****d) :lol:

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Bu**er!

 

 

A bit more research shows that Direct Bikes are using an accountants office as their registered address so for now, we have no real address to send the bike to. More reading needed

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Might be worth speaking to the courier where this was collected from ?

 

Becoming evident now why they wont entertain returns or adhere to UK Legislation and Consumer Statuary Rights.

We could do with some help from you.

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On the other thread I assisted with, waterlicked had to issue court papers to Direct Bikes in order for them to sit up and take notice. They collected the bike and gave a full refund plus costs. What I cannot say is whether there was any confidentiality agreement.

 

 

Based on that and my checks, if you cannot do a chargeback then the only other option is to sue. They will then know you are serious and the ball will start rolling. While we on CAG do not like confidentiality agreements and will encourage you not to enter into one, sometimes it is worth it for you as it may get the issue sorted faster. Your choice of course.

 

 

Reading the reviews on TrustPilot, it seems that Direct Bikes monitor it a lot and have challenged entries on there which has led to some being removed however there are still loads there which tells the truth about them. Shady is the best word I could use for them

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Thank you for your reply sorry for not coming back sooner i have been sorting out my evidence to proceed with things,

 

that is so helpful of you silver fox thank you for taking so much time to check through things for me the more evidence the better.

 

I wake up and go to bed thinking of it at the moment I am just so angry at myself for not checking them out first which i normally do.

At least we have evidence that this has happened before,

 

Visa have advised me to send in all evidence and i have proof they are refusing to accept it back now too so it all helps.

 

Court will be my route next if no joy with visa I am not prepared to let my son down again bless him he is so upset by it all.

He now has no mode of transport to get to his apprenticeship.

 

Ooh forgot to say i have written to watchdog fingers crossed for reply.

Edited by dx100uk
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" Court will be my route "

 

Possibly your only option...unless Visa act accordingly.

We could do with some help from you.

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One of our team (Honeybee) must have spent hours checking out this company and other companies registered to the same owner.

 

Perhaps Andyorch can answer this one. As he has two active companies using almost the same name. On court papers would it be permissible to name both entities rather than one or the other?

Officially, you bought the bike from Direct Bikes Retail Limited as this was after the new entity came into being however the paperwork from them was in the other name Direct Bikes Limited so that causes confusion right away.

 

 

I would imagine that if the court papers hit the owner'ss mat (or his accountants) he would challenge that the entity claimed against is the wrong one. Not a serious issue but stalling all the same. I'm not saying he will do this but forearmed etc.

 

 

It is also worth reporting him to Trading Standards via the Citizens Advice Bureau

 

 

 

http://tinyurl.com/jqmtndy

 

They may be already aware of Direct Bikes.

Edited by honeybee13
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now the invoice/receipt wil have the correct entity but you could put ******* trading as and then name both companies if the invoice source is a bit foggy

there are 2 ******* in the UK, the most likey one has several recent addresses and is listed as a company director so you might end up paying a premium directory service to find out more

Edited by Andyorch
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You can name 2 companies on a claim through MCOL..by clicking the add 2nd Defendant (Company) button...but best to get the correct information in the first instance.

 

If this proves problematic and only one named is entered you can always change it using CPR 19.5 "Special provisions about adding or substituting parties after the end of a relevant limitation period "

 

https://www.justice.gov.uk/courts/procedure-rules/civil/rules/part19#19.5

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We could do with some help from you.

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I knew you had the answer. Cheers

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Hi wow you are all so helpful, and i cannot thank you all enough,

 

i shall speak to courier and see if i can get an address,

i come unstuck wit the invoice they emailed

i cannot open the pdf for some reason

 

i have the email which says pretty much what i ordered and how much

however it does say 3 different names in reference to the order aghh. :-x

Edited by dx100uk
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Thread moved to On line Stores Forum.....please continue to post here to your thread.

 

Andy

We could do with some help from you.

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do you want to send a copy of this email with the PDF to a secure email address

see if we can open it?

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... 

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PM sent

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... 

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