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    • Right... Misuse of Facility is a Cat 6 and is considered the worst out of all of the CIFAS Categories for CIFAS Markers.  However lets see what happens when MCB come back to you. Make sure you refer it to the CEO.    IF YOU DONT HAVE A VALID REASON FOR THE ISSUE WITH PAYMENTS ETC - Then the marker will stay.   
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    • 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  
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fake 16+ card - used +1yrs - Ran when stoped by inspector - now letter of intended prosecution


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The court case is in March, yes they are after £300. I haven't returned the form yet just received it this morning.

 

Vplee just make your own thread, even if it's for your "friend". It's anonymous on here as you can tell from the previous posts I was panicking and not thinking straight and questioned my anonymity on the site as well. You're better off asking for help on your thread. Everyone's situation is different.

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you sent a begging letter.

when was this the last time you approached them for an OOC settlement?

 

TBH £300 is not too bad , try and settle before the case

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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I sent them only the begging letter and I was just told that I had used it over 70 times and it wouldn't be in the public's interest not to go ahead with the prosecution. I'm either going to call them up or email them.

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Hi HB, I used the card to get to uni and back. I don't really go out much using the bus, if I do it's usually in friends/family members cars. So the card just showed my journeys back and forth from university, which is why it goes up to 70 journeys as the court summons letter had attached pages and pages of me taking the same bus and at the times at which I traveled.

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IMHO that's a good result.

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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I read through it again,

misread a lot of stuff in the morning and I didn't properly provide you both with the full information from the letters

 

like the fact that i'll have to pay back around £120 in bus fare that i owe on top of the fine they want to give me.

 

I'll try to get them uploaded tonight once I get home or by tomorrow morning.

 

I've noticed a lot of people on here recently like myself who have made the mistake of buying the 16+ oyster cards through social media.

 

I attached a screenshot of the sort of profiles that are selling these cards to give you an idea for any future posts.

P1.pdf

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And if something looks to good to be true.....

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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  • 2 weeks later...

we had 2 of those the other week

both I believe were settled on the day before going in but I've a feeling they were told not so say anything on public forums

awaiting conf of this from someone. behind the scenes

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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HB, my court date is the 6th of March. I still have some time, I may try my luck again and see if I can talk to someone different on the phone. Would I still be able to go and see the prosecutor before the court proceedings take place even if i've pleaded guilty by post?

 

I haven't pleaded by post but I'm sort of leaning towards it since I've never been to court before. I'm already scared as it is so I don't know how I'd be able to handle the pressure of it all.

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Hi.

 

Old-Codja who advises here usually recommends to go to court and show remorse because the magistrates may be more lenient.

 

I believe you can still speak to the prosecutor on the day, maybe someone will confirm. You'll need to take cash with you to pay any fine and admin penalty.

 

There seems to have been an outbreak of these cards with people being conned and TfL seem to be taking a hard line because they're losing money and it costs more for people who pay their fares.

 

Still worth a try though.

 

HB

Illegitimi non carborundum

 

 

 

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don't plead by post guilty

plead guilty and say you will attend 

 

as I said

I know of two recent cases both fake facebook ad cards that were settled on the day with the prosecutors before the hearing actually started

one was over 350 uses.

 

the other actually went before the magistrate, the defendant had already pleaded guilty and attended showing remorse, the prosecutor denied OOC at the venue

the defendant stated this to the magistrate, they suggested the prosecutor allowed it to happen..it did .no criminal record.

 

but each case hangs on the BACKGROUND of the person.

if they have no extenuating reasons for OOC, like job/money needed to support family etc .. then it wont happen.

 

from what i'm being led to believe , the OOC clampdown is solely targeting younger students/graduates that have solely done it to save them money by knowing buying fake cards to evade full fare yearly costs ...esp when there are other schemes and bursaries GIVEN to cut the costs of travel.but hey spend that on other things they cant account for

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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  • 3 weeks later...

I didn't go to court, I just pleaded guilty by post which is stupid, I know. It's nearly been a week, I have still yet to receive the letter from the court as to what they decided.

 

Take the advice of the forum, plead guilty and attend the hearing to show remorse.

 

Once, I get the letter I'll give an update. 

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  • dx100uk changed the title to fake 16+ card - used +1yrs - Ran when stoped by inspector - now letter of intended prosecution
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