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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • fkofilee
      Can I get a Cifas marker removed?

      By fkofilee · Posted

      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.   
    • LilMissM
      Can I get a Cifas marker removed?

      By LilMissM · Posted

      That "oh dear" doesn't sound good  
    • fkofilee
      Can I get a Cifas marker removed?

      By fkofilee · Posted

      Oh dear.. Misuse of facility...  Cat 6... No wonder everything is being nuked from high orbit... More in a bit.. 
    • LilMissM
      Can I get a Cifas marker removed?

      By LilMissM · Posted

      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 😕    
    • fkofilee
      Can I get a Cifas marker removed?

      By fkofilee · Posted

      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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      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

LTSB - Abbreviations on DPA / Customer Notes

Loula

By Loula
in Lloyds Bank

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Loula

Loula

Posted
Posted

I have requested from LTSB clarification on what their abbreviations means on the Customer Notes they are returning.

 

MO STDLET

 

BI CS_CHQ RES

 

BI ICA NEW

 

MI FO OTH

 

TI CHQACC OTH

 

ER CHQACC OTH

 

I can guess what mostof these mean, but I think we should know what the bank 'means'.

 

If you have any others you are interested in knowing please let me know and I will ask for those too.

 

LOULA

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BankFodder

BankFodder

Posted
Posted

They are obliged to tell you under the DPA.

tell them to get a hurry on about it or you will consider it a violation and take appropriate action

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lancsman

lancsman

Posted
Posted

Loula just got ours back as well!!!!!

How about LS902 LM902 LM901 AK208 OF203 XP901 UB901 LH901 LH923 EM901 EM902 EM925 EM909 Not forgeting AG242 second class central 3299681 Bullivant,Janet 30943900

Frankly theyve done a good job of perplexing me!!

You to by the sound of it.

 

Going to try and tie up dates and names.

 

Another point is,When a name appears its obviously a "manual intervention" but as its "data"we asked for it,s "data"we got back?So I can only think of trying to tie a charge date with a name date if you know what i mean!Course you do youve got the same confusing bunch of papers....

good luck Loula...

john r

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Loula

Loula

Posted
  • Author
Posted

Ok!

 

Will add them to the list!

 

Have reminded by email today, if no repsonse by monday will phone the lucky lady and have her spend an hour telling a 'very dense me' what it all means!

 

LOULA

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lancsman

lancsman

Posted
Posted

Nooooo,its not aa very dense"me" its just ordinary you.josephine public.Wanting to know what it all means and being a little p..d off with them and annoyed with yourself for trusting them for all these years when all thats happening is that they where making big profits from us when we were struggling.... still are.

 

 

 

Nationwide down.Capitulated just before summons served.

Lloyds Credit card "gesture of goodwill"

Lloyds bank We,l see.

john r

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lancsman

lancsman

Posted
Posted

Have just decided after reading threads that i,m going to claim back to 2cd February 2000 as that is the earliest statement they sent me havn,t got a clue why they didn,t just start with march or april.(Still can,t understand half the stuff they sent).

The fact they hold records as far back as that then i would surmise that THEY think its relevant?

£7o.00 worth of charges that month alone.they really hammered my wife that month.(as a non user of the joint acc at that time how was i to know)?

 

oh um hope your D.P.A.is easier to understand Loula!!!!

john r

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ppauls150

ppauls150

Posted
Posted

Has anyone had any joy at finding out what these codes stand for ?? if so pm me with details please. CCD Control pops up a lot.

If you find this info useful please click on the scales in the bottom left corner of the thread :wink:

 

Vodafone To Remove Default Notices thread

Paid In Full HSBC Was Claiming £3851.42 But Instead of Paying Me Decided to pay my £4900 Loan OffDG Solictors. Need Help

Concluded Lloyds TSB 27/05/2006 Action Against LloydsTSB

Concluded Lloyds TSB for Girlfriend. 27/05/2006

Paid In Full Capital One £160 Settled

Paid In Full Capital One Sent 15/05/06 for £1372 for Girlfriend

Paid In Full Cetelem £130 Settled

Paid In Full The AA £400 Settled

Paid In Full First National £160 Settled

PDA LloydsTsb Credit Card Hand Delivered 26/04/06 £180

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breadline

Posted
Posted

Reading the customer notes, although it states employees names, it doesnt state that it was anything to do with the charges, just shows manuel intervention, eg: I have some from the loan centre.

 

So how do you know what is manuel intervention on this list relating to charges?

Does The date on the customer notes have to corresponde with the date on the charge sheet or statements to show money movement?

 

hhhhmmmm:???:

BL

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breadline

Posted
Posted

Aa ha

good good, some times i get worried im losing the plot. :-)

 

I have a strong suspition that the customer notes have nothing to with the manuel intervention and any highlighted manuel intervention would need to be indictaed as so. As we have all requested.

 

But

 

as the customer notes like doctors notes can be about you personally these are just extras to the data release.

 

Possibly Lloyds are using it to hide the fact that they have no way to monitor manuel intervention and hope we will all get confussed and run away.;)

BL

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knobby1

knobby1

Posted
Posted

on my customer notes i have from august 2001 -april2002 14 MOSTDLET that say underneath automatically generated then12 which have some entry against them i`e a name and a code then everything after that just says MOSTDLET but no automatically generated i think they are attempting to boggle us and to be honest its completely worked with me most of the codes are LU904 then by2004 they have changed to EM903 everything after 2004 is an EM 90SOMETHING. it is difficult to pair up certain entrys with certain charges as the charges semm to be the month after or the month after that i think i`m just going to forget about the first 2 years and just stick with the last 4 for which i can cross reference against the online statements. coz to be honest i aint a clue what i am looking at here

LLOYDS TSB

DPA: REQUEST SENT: 11-04-06

RECEIVED 28-O4-06

PRELIM LETTER SENT: 04-05-06

RECEIVED SOD OFF:06-05-06

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Loula

Loula

Posted
  • Author
Posted

I know what two of them are now as I have kept the last two letter from LTSB about stuff bouncing etc.

 

Once I have the list I will post them all, so don;t worry about them for now. I hope to have the definitive list by next weekend.

 

LOULA

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Posted
Posted

im just going for the full amount that i can see by the charges and statements.

 

Its up to them to tell me if they think its incorrect and why. Then they can advise where..

 

they are just being a pain.:-x rant LOL ( mood swing)

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Loula

Loula

Posted
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Posted

Hi BL,

 

Yes, go for the full amount, but if they ever say they have had to impose the chrges for manual intervention, we will know the correct code reasoning and argue for further justice.

 

LOULA

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Posted
Posted
EM903, EM SOMETHING

 

I have worked out these are the computer identity numbers,

reason is i saw a manager 3 times

2 in her own office

1 in the next Office.

 

This number changed a didgit on the move.

 

also have sorted some of the others but no papers with me now to put them here.

The way I have worked it out the customers notes don't contain the manuel intervention for charges.

 

its computer ID, server ID, user ID, possible branch location.

then some are repeated in the second line.

and i have an ideal of some of the letters but can't remember them of by heart

 

But!! we must wait to see what the bank confirms.

 

BL

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Janet-M

Janet-M

Posted
Posted

If you do a DPDR you must recieve it in an intelligible form , if they use abbreviations without an explanation of what those abbreviations stand for then it is not intelligible.If you look at this thread you will see what BF said about it and also my letter to carphonewarehouse ater I recieved my data that was full of abbreviations

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=3823

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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If you do a DPDR you must recieve it in an intelligible form , if they use abbreviations without an explanation of what those abbreviations stand for then it is not intelligible.If you look at this thread you will see what BF said about it and also my letter to carphonewarehouse ater I recieved my data that was full of abbreviations

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=3823

 

checky sods they must know this, so surely they fall out of the DPA request time

 

or..

 

could it be written into teh DPA requests that an abbreviation breakdown is requested for all non legibal codes,

BL

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Tom Fitzgerald

Tom Fitzgerald

Posted
Posted

Hi Y'all

 

Only new too this whole forum so please excuse my stupidity. I have been a customer of Lloyds TSB for around 5 years now and if I were to calculate all of my charges for being over my limit and bounced direct debits then I reckon it could top a thousand pounds if not more. This is mainly due to me being a student and travelling. What are the chances in me claiming this money back or at least a part of it back as I could really do with it. I simply cannot see how they can justify the amount they charge and want to do something about it. Any advice?

 

Thanks

Tom8-)

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Guest Lueeze

Guest Lueeze

Posted
Posted

Hello, you haven't read the forum yet, so please read it and start your own thread if you have any questions after this, as you are hijacking someones thread...

 

Louise

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jasper

jasper

Posted
Posted
...... LS902 LM902 LM901 AK208 OF203 XP901 UB901 LH901 LH923 EM901 EM902 EM925 EM909 Not forgeting AG242 second class central 3299681 Bullivant,Janet 30943900

Frankly theyve done a good job of perplexing me!!

You to by the sound of it..

 

I've got a explanation page in with my dpa stuff.

 

I'll scan it in tomorrow, but

 

LS902 - Advise o/d: suggest increase limit is discussed: retry

LM902 - Limit exceeded:credit/contact no more increase

LM901 - Limiy exceeded: contact to discuss

 

etc, etc

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