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    • 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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Used brothers 16+ oyster for a month - TfL Fare prosecution **RESOLVED NOTHING TO PAY**


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I used my brothers 16+ oystercard for a month  and was finally caught out by an inspector on the bus.

 

Could someone help me draft a letter to write to them?

 

Or give me advice on what my next best move is

 

Hi , I recently used my brothers 16+ oystercard and had been using it for about a month but was discovered by a TfL inspector.

 

Could someone help me draft a letter to email them?

 

And could I get any advice on what my next best move is please 

 

I cannot afford to receive a criminal offence , I’m only 18 and I’m willing to pay for any costs incurred on their side

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Hello and welcome to CAG.

 

I've merged your threads and moved them to our public transport forum. Please continue to post on this thread.

 

It's best for you to draft a letter, as only you know what happened, and we'll help you to refine it.

 

What correspondence have you had from TfL so far?

 

Best, HB

Illegitimi non carborundum

 

 

 

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ive converted you docx upload to pdf as docx has all your personal details in file properties.

 

there are numerous example of the type/style of letter to POST to TfL here NOT BY EMAIL

 

see post 15 here

 

 

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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we have found in the past this does not constitute record of receipt and read when ref'd in court.

no harm in doing BOTH

use 1st class post get free proof of posting from any PO counter.

 

 

 

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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Share on other sites

I’ve written up a draft any feedback would be much appreciated   

 

—————


To whoever it may concern, 

I apologise profusely for my actions in this case. As a student currently in my last year of 6th form , a criminal record would be devastating for myself as my future employment relies upon a clean criminal record. I pride myself on my integrity and I feel shameful for my moment of very poor judgement 

 

On the 2nd of October , I used the oystercard as I was in a rush in the morning and was in the process of applying for my 18+ student oyster . I was stupors one the bus by a TfL inspector who withdrew the card and when I asked what would happen to me said that only a £40 fine would be sent to me , which I was very happy to pay for.

 

i made a thoughtless choice that has been affecting me since and has had an impact on my focus in lesson. I have never done anything like this before and I am sorry for my behaviour and the inconvenience caused to all parties involved. 
 

I am happy to make immediate payment of the unpaid fare and any incurrent costs that my actions have caused. I am  in the process of applying for an 18+student oyster so I will not make an action like this again 

 

Also, I work as a form prefect in school  which involves me mentoring the lower year students. A criminal record would lead to me being stripped of this position, which would make me sad as I worked very hard to earn the role.

 

I would appreciate your consideration and I sincerely hope that you can show me some leniency in this matter 

 

—————————-

 

 

 

 

 

 

 

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you cant really state a one off morning rush accounts for all the previous use:

 

had been using it for about a month

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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  • dx100uk changed the title to Used brothers 16+ oyster for a month - TfL Fare prosecution

plenty of 16+ oyster card misuse threads here to read.

 

dx

 

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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Thank you, I’ve had a look. 
 

would it be better if I say that it was only for temporary use until my Oyster card appears. 
 

And since then I’ve been using my card for transport should I mention that? As like prop I’ve learnt my lesson

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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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Share on other sites

I’ve looked at the cases but can’t see anything that isn’t where they’ve used it as an accident or as a mistake 

 

If I am convicted , how long would it stay on my record as I want to be a teacher and I have a retail job at the minute

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there are lots of thread here for multiple use of a 16+ card...

 

however 

was this mentioned by you or the inspector during the interview when you were caught?

 

dx

 

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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Well, in the letter you posted in post #8, I read it as one journey that they're talking about.

 

See what other people think, but we normally say not to tell them anything they don't know already.

 

Moving on to your letter in #in your paragraph 2, you say 'I was stupors', you probably didn't mean that. I might put the part of the first paragraph later in your letter, again see what other people think.

 

HB

Illegitimi non carborundum

 

 

 

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  • 2 weeks later...

Hi I just received an email saying we have received your email and we do not settle cases out of court and a single justice procedure notice will be sent in due time . 
 

I sent a letter off almost two weeks ago but he did not mention it , could it be that they didn’t receive it?

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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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Share on other sites

Thank you I’ve seen a case very similar to mine on there , also there is a name and number to contact at the bottom of the email should I do that tomorrow?

 

And I also have a holiday booked in December to America ( it was booked months ago before this) will I still be able to go?

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