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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  
    • 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
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2*Parking Eye PCN's for gym use - i've paid them, but more are i feel coming!!


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Yes, you need to reply to a LBA.  I'm sure EB will suggest a suitable snotty letter tomorrow.  He's already pointed out flaws in PE's invoices in his posts on the thread.

 

BTW, how did the chargeback go?

We could do with some help from you.

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I confess that I know absolutely nothing about chargeback - but I'm sure there will be experts on here who do, and can help you challenge the bank's decision.

We could do with some help from you.

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Ignore the lack of action on the other 2 deamnds and concentarte on this one. the others will be treated the same way or even treated as VEX if they dont  change their ways. Try

Dear Sirs,

your letter before claim is not a letter before claim because there is no service address for documents on it, a PO box is not a legal address. This breach of protocol will cost you at least 25% of any successful judgement but you neednt worry as 25% of nothing is still nothing.

It is denied you are owed any monies because there was no breach of contract to give you a cause for action against me as the signage was not an offer of anything  that could be considered and accepted as a relatuionship between us in the first place.

 

Do you actually employ people who can understand the law to read the signs before they go up or do you just rely on abuse of the civil process to make money rather than  contract law?

This lack of an agreement also means you ahve obtained my keeper details unlawfully and I am entitled to seek damages as per Vidal Hall v Google. I will accept £250 as per VCS v Phillip as the quantum.

 

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  • 5 weeks later...

usual irrelevant twaddle in many like replies here.

 

we might do court so you'd better cough up....pigs might fly too...ignore

 

 

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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note that they have shuffled their feet slighly by asking you to pay them within 14 days or they may start proceedings. 

In my mind this means they are not certain of their position but arent going to chnage their minds because they want the money but are hoping you dont go and ruin things for them by making them sue you and then they lose becasue they dont really have a claim.

 

These companies abuse the legal process by taking court action when they have no cause to do so just to pressure peopel into paying up.

 

It would be nice to see an MP taking this issue up with the Ministry of Justice but as PE are owed by Capita the big outsourcing comapny that processes their pay packets I doubt if this will happen

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:rockon:

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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  • 1 month later...

remove your name hidden the post

 

what have we said about dca letters?

 

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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no dca's have any powers.

 

 

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 cannot believe that DCBL actually has a reference to their TV show on the bottom of their pathetic DCA letter, there's been so many breaches of the law commited by them on it they should be ashamed of that program not proud of it.

 

Clearly it's an attempt to intimidate and nothing more, they have no rights here and cannot do anything especially not turn up at your door (even if all bailiff home visit action wasn't suspended due to C19), they are acting a debt collectors for PE and not bailiffs, therefore they have no power at all.

 

 

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Might make a nice exhibit in a bundle for the point on Unicorn feed tax a penalty and not applicable to keeper if the PPC has screwed up and No POFA,

We could do with some help from you.

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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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read the back of the letter , they admit they are not bailiffs in this matter

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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  • 1 year later...

Open

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11 minutes ago, Irt8787 said:

I have been receiving multiple notices of debt recovery from dcbl since the my last post (see image 1). Today they have sent another one which is different from all previous ones stating final notice of debt recovery. 

 

What’s the best course of action for now? Thanks for any input.

I've had to hide your post as you've left three reference numbers showing which could identify you to the fleecers.

 

However, these are the usual begging letters - ignore them.

 

Two questions.  Did you try to get the gym to have the invoices cancelled?

 

Did you inform PE of your change of address?

We could do with some help from you.

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I have redacted the reference number. 

 

It was so long ago but I think I did speak to a staff from the gym but he said he couldn’t do anything. 

I did not inform PE of change of address. I am using Royal Mail redirecting service instead. 

 

Do I need to respond to the final debt recovery notice?

IMG_3478_compressed.pdf IMG_3477.pdf

Edited by Irt8787
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Should always inform a fleecer of any change of address, as Royal mail redirection doesn't work for Court papers, they won't redirect them,  just do an Elvis's girlfriend and Return To Sender., o then the fleecer knows they have a juicy default judgment they can try for.

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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

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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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what part of ignore DCA's we've said multiple times is not sinking n?

 

you must write to PE simply informing them withe ref to PCN number XXXX

 

please note my new address as above.

 

you are safe to IGNORE anything anyone sends until or unless you get a letter of claim from PE or a solicitor who's client is stated as PE.

 

PS on a side not,

as you moved, have you looked at your credit file recently?

have you or do you remember any debts showing or not, that were been sold on  a DCA in the last say 7yrs (that being you have not used the credit nor paid it in that time)?

 

if you have you need to WRITE to each one and update them too to protect against possible backdoor CCJ's. 

 

as BN states mail redirect does not work on most court documents.

 

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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I checked my credit report regularly. no CCJ, nothing unusual. 

 

Thanks, I will inform them of my new address and continue to ignore the debt recovery letter as advised. 

Edited by dx100uk
unnecessary previous post quote removed
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just type..no need to hit quote

 

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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