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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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Cpm/BW windscreen pcns - BW PAP LOC Now Claimform - (residential car park) The citrus Building, Maderia road, Bournemouth ***Claim Dismissed with Costs** now another PAPLOC for another same place ticket ***Dismissed again with costs***


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that's as clear as mud...

 

so you have 2 cars...[obv I know as your threads are about this 'double parking' residential spaces]

 

2 of the tickets - 1 being subject to a letter of claim - relate to a vehicle you are the registered keeper too

and the other 2 tickets relate to your other car - with is a lease car?

 

just confirm the above for the minute please...

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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harni said:
Do I send them a letter then stating I am responsible for the vehicle and that all correspondence should come via me?

 

no need, you appealed as the driver and it is your space so they know they are writing to the right person.

 

the other thing to consider is you got ticketed fro "double parking". Now this must be mentioned as being stricty banned in ther conditions by having wording on their sigange that says somehting like " only one vehicel per parking space is permitted regardless of what we say in our correspondence".

 

Let them do the worrying as well and to that end stop tryinmg to resolve this in a hurry. If they sye they wull lose, you dont need to counterclaim for your costs, they will get clobbered for unreasonable behaviour but you can claim for breach of the GDPR for obtaining your keeper details without good reason but the problem is it may be the lase co's details that were obtained, not yours.

 

Do you really want yo go after the lease co for passig on your details when theyre was no cause to? They wont know whtehr the parking co were right or wrong and unless you want to punish them it will just be a sideshow

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that's as clear as mud...

 

so you have 2 cars...[obv I know as your threads are about this 'double parking' residential spaces]

 

2 of the tickets - 1 being subject to a letter of claim - relate to a vehicle you are the registered keeper too

and the other 2 tickets relate to your other car - with is a lease car?

 

just confirm the above for the minute please...

 

You've got it right

2 that relate to the car we are a registered keeper of are quite progressed, one being at letter of claim stage

The two on the lease vehicle have only had their windscreen PCNs left on it in the past few days

 

Erics brother, on their appeal portal they have the option to tick who you are appealing as, one as the driver, one as the RK and one on behalf of the RK. I selected the latter which is correct in this scenario

 

Finally, their signage mentions absolutely nothing about being double parked. This is the funny thing, in their letters they say things like "its abundantly clear you have broken the terms and conditions" yet it's a generic car park sign.

 

To put it clearly, i'm not bothered about the parking charges. I'll quite happily deal with these even into court. In fact, i want to now after doing some digging into the company and finding out its just two guys who run loads of very very small businesses...badly! My only concern is the leased vehicle.

 

Thanks all!

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It is your parking space so no judge would believe you didnt know who was driving at the time and even though the POFA syas the parking co must get things right most judges will use the balance of probabilities to decide that it was lilely the driver and the keeper were the same so when arguing about YOUR space it isnt worth muddying the waters and stick with waht matters.

 

you can fire off a suitably worded response if you wish but dont be polite. Tell them their clients are too thick to read back what they have written sp perhaps BWL could pitch up and read the sigsn for themselves before they send out any more stupid demands for breaches that dotn exist to a person who has su[premacy of contract oer their illegally sited signs.

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can you post the full rejection letter?

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

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They can give. But they certainly cant enforce it in any way

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

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the comment about a charge being used as a deterrent is a valid one. This is mentioned in PE v Beavis and also subject to its own case law. If the idea is to deter parking then it is an unlawful penalty and not a genuine offer of a contract to park.

 

Now the problem is if the OP doesnt make this point loud and clear to BWL they are likely to persuade the idiots at CPM to press ahead with a county court claim. Although this should result in them being blown out of the water it will waste the OP's time to defend such a claim so my advice is that they shoudl respond to BWL's threatogram but please let us see the signage first so we can add some more points to pull them up on.

Edited by honeybee13
Paras
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Apologies for the poor picture, as you can see it’s dark out. I’d also like to point out that not a single resident has and has never been issued a parking permit which makes a hash of their T&Cs!

 

i will reply to BW and will type out a reply mentioning the above although in a way, I would like them to take me to court. I’d love to waste as much of their time as possible!

 

sign.pdf

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Says vehicles must be parked in Marked Bay, doesn't say only one per bay, if the bay can fit two. Think they are knackered by their own sign, now a suitably acid ericsbrother style response might be an idea.

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Time to invest in a car trailer :rofl:

 

It matters not one iota what the management agents may or may not have written in any correspondence, if you have parked within a marked bay you have complied with their "abundantly clear" terms and conditions as indicated on their signs.

 

The ticketing both vehicles is hilarious. It would be like watching a long tennis rally in court. "I didn't double park, he did!", "No, I was there first, she double parked!", "No, he did"....... get the popcorn out!

 

BTW - sorry if this has been covered - but what does your lease/tenancy agreement say?

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So if a resident parks in their bay, and a stranger drives in from the street and parks next to the resident's car, both get tickets! Love to see a judge's opinion of that!!!

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Think they are knackered by their own sign, now a suitably acid ericsbrother style response might be an idea.

 

Yes, retweak the draft posted above in the light of later advice, and send it to BW Legal. Let them know they'd be thrashed in court. Just normal post from the post office will do, but get a free certificate of posting.

 

And send it to the parking company too. All this conning & fleecing isn't just aimed at the motorist. Unscrupulous solicitors love to egg on their clients to go to court regardless of any possibility of winning, it's £££ that counts.

We could do with some help from you.

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Just for clarity Harni the bay is normal width but long enough to fit two cars or a car and caravan nose to tail?

 

As Mrs O'Frog indicates they couldn't touch a car on a trailer or caravan, they insinuate in their letters they could ticket a trailer or caravan, no can do, unless there is something in the lease that says no more than one vehicle can be parked in a bay long enough for two cars or a car and caravan then they are talking through their sorry jive ass, and should lose in court.

We could do with some help from you.

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For clarification, the bay is standard width and long enough for two small vehicles. Both vehicles are being parked nose to nose and against the wall behind. If we’re being really picky here, the bumper of the car at the front may overhang by about 2-3 inches however there isn’t actually a marked bay.

Funnily enough, directly opposite ours is a “single” space where the occupier parks his car overhanging the clear marking by about 1-2ft because he has his motorbike behind the car. They never get ticketed and I genuinely am starting to feel that this is a bit of a targeted attack by CPM

 

I’m going to dig out the tenancy documents later and have a read but I do know having read the lease agreement extract between our landlord and the building landlord, there is absolutely no mention anywhere of parking a single vehicle in these spaces.

 

So, having looked at the tenancy agreement (bearing in mind this is pretty much a generic agreement) the only mention of parking is the quoted below

 

Parking

1) The parking place is not included in the rent but may be used by the tenant only.

2) The parking place may only be used to park a motor vehicle that belongs to the tenant or is for the tenant's exclusive use.

3) The parking place may not be sub-let.

4) The vehicle must be taxed, insured and MOT’d by the tenant.

5) The vehicle must be roadworthy. The vehicle must not contaminate the parking place, surrounding building or other vehicles.

6) Any damage or contamination of the parking place must be cleaned/repaired by the tenant.

Edited by dx100uk
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well 4/5 are a load of twaddle they cant enforce!!

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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To add as well, the only other document that we have had to agree to on move in is an agreement between our landlord and the building landlord which basically outlines the correct useage of the building. There is only one point in there regarding to parking which is attached

 

agreement between our landlord and the building landlord.pdf

 

today we have gotten another ticket but here’s a laugh.

 

The guy issuing the ticket is obviously friends or family with someone in the block because once he ticketed my car, he went and parked up in one of the double spaces, double parked and went in!! Can’t make it up!

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Take a sneaky picture of the other double parked car, might be useful later.

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

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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!

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you are missing the point about a resident on commission. The parking co's often get someone to take pictures and send them to thme in return for a £20 fee. They advertise this on their websites but fail to mention the person doing the snapping is breaking the lawe unless they register with the ICO.

 

as fopr the double parked car, I agree take pictures but not sneaky ones. Get out there with floodlights and a sound crew if you can find one. Make sure they know that all this is being saved for use against them in a very public way if need be.

 

Seriously, the tide is turning against their practices as it did when they were clampers and some good footage of their comings and goings could be used on the local news ior at least in the local paper.

Edited by honeybee13
Paras
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Thanks Ericsbrother. Don't worry, i had no intentions of the pictures being subtle and if i can do it so it evidences that its them parking there, i will be going to all of the local media with it. I want to do all i can here to make life difficult for these people

 

I will try and find out if they are paying residents commission for these but in all honesty i do doubt it. I hadn't realised until i saw it the other day but his car is there quite regularly so i think he's a friend of a resident here which makes it worse!

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