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    • 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
    • I have recently found myself in financial difficulties and with the help of forum members in another thread regarding this, I think I can get myself sorted. My query here is how to deal with a Cifas marker that has been logged against me by one of my creditors for "evasion of payment". Admittedly yes I did get a £5000 loan with them and have not paid any payment but at the start of the year, which is when the loan landed, I realised I was going to be struggling to repay that and other debts and I contacted MCB to ask if there was any way I could extend the loan from 24 months to 36 months. I explained my situation and that I was going with a DMP and asked them if they could help me with this. They did not reply. I then emailed them again a month later explaining that my DMP was going ahead and could they confirm that the direct debit was indeed cancelled. Again, they did not reply. The DMP fell apart and so did everything else thereafter. My bank withdrew my overdraft and said I could not stay with them (I thought initially that it was because of the DMP) so I opened another account (Starling) and set up all my direct debits etc with the new bank. A month into being with the new bank, they contacted me and said they were closing my account in three months. So I started applying for other basic accounts and every single one of them either refused or revoked.  Through the help in the other thread, I requested a SAR from Cifas and discovered that I have this marker against my name for "evasion of payment". I have logged a complaint with MCB on the advice of other forum members, but my query really is do you think the marker is fair given that I did ask them for help and I did explain that I was going to be struggling financially to repay the loan over the original two years, and is there any way that I can get it removed? I fully admit that I have yet to make a payment to them and I suppose in my naivety and panic I thought if I emailed them early on they could extend the loan and help me out, but they didn't even reply  I did manage to open an account with Monzo before the marker was in place, but I am very concerned that if Monzo do what Starling did, I will have no bank account to pay my bills or get my wages paid into.  Realistically based on the information I have given here, what do you think my chances are of getting this marker removed? Any help/advice on this would be greatly appreciated x
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Orange- Moorcroft


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This is my first post on these forums, so apologies if it is in the wrong place etc.

 

I bought a mobile phone from an orange store with a contract, but then decided I did not want it. Because I bought it as part of a student deal, I could not refund it. However, in my terms and conditions, it said that because it was a student deal, I could take a 12month break in my contract at any time, so I took this offer up, and took a 12 month break until my other phone's contract expired.

 

Then I went abroad for a year. While abroad, Orange decided that since it was a new contract, I could only have a 6month break, not a 12month one like the terms and conditions said, and as agreed by the store manager I bought the phone from. So when I returned, I had £361 in charges and late payment etc.

 

The problem I have since had, is that the Orange store who sold me the phone have said it is a problem I need to deal with through the company, yet the company accpet no responsibility, and say it is a problem of the franchised orange store I purchased it from.

 

I continued to try and resolve this, and my debt was passed to a company called moorcroft. As I am a student, they said I could repay them at £10 a month, and that this was the best thing to do, as the debt would never be paid by Orange due to a "third party loophole".

 

Is this true? Or are they just trying to get me to pay something I shouldnt?

 

I'm very confused and quite worried, any help at all would be greatly appreciated!x

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Hi cet

 

I have had dealings with Orange/Moorcroft. Moorcroft are quite relentless in their approach to gain repayment. Although on this subject-you may be in possession of your own answer in the T&C's.

 

How did you notify them of the required payment break - and did you get confirmation from anyone that you had requested it or it had been accepted?

 

If the 12 month break is in their T & C's, and you have excercised your right to use it - then Orange are in breach of their own T &C's.

 

If you have any statements, letters, notices etc that verify your account was 'on a break' - in the first instance, I would write a letter to Orange, using their communication address on any formal letters they've sent.

Photocopy and enclose their T&C's that you quote from, highlighting the section offering the 12months clause, enclose any details/letters/conversations you remember having advising them of the break request - and ask them to clarify their position. Also to justify the involvement of a Debt Collection Agency, whilst also damaging your credit file history, and casuing undue/unwarranted stress and no doubt charges.

 

I would send a letter off recorded to Orange, with a copy to Moorcroft with a covering letter stating that you dispute the charges - and why, asking them to suspend any legal action pending a reply from Orange.

 

Post back any reply on here - it will help in order for others to advise!

 

All the best

 

Perseus

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

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Abbey Personal - Final LBA 28/5/7 - then Court

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Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

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Hi I need help, opened an orange account in August 2005 with the promise of a free football shirt, despite numerous phone calls and emails eventually in September 2006 they emailed me to say they couldn't get the shirts anymore and I could have a £50 airtime credit, this I agreed to but for three more months they wouldn't credit it and so after more phone calls I cancelled my direct debit and refused to pay unless they produced the shirt or the credit, they then denied that the person that sent the email worked for them even though I sent them copies and eventually they called in dlc to recover the debt which I am refusing to do after reding some of the threads on here and sending off my letters to them.

Can anyone advise how I can go after Orange as they seem to not listen to reason or answer letters or emails and seem to be advertising goods that they cannot supply, any help would be great as this is driving me round the bend

thanks

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You are in a pretty weak position - they had you under contract which you broke. The promotional offer is a separate issue and has to be dealt with in isolation. You would have been within your rights to pursue them for the agreed alternative offer, and even take them to court for the value of the offer they initially agreed to refund.

 

What you have done may seem a reasonable retaliatory action, and it would have been if they had not tied you to a contract. The contract takes precedence, and in any action against you they would win as you've not completed your side of the bargain. Yes, they didn't provide the shirt or the promised compensation but the way to pursue this is to take it up with the Executive Office in writing, explaining the problem and the what you want done.

 

Breaking your contract just opens all the horrors of a default on your credit file and a mess you really don't want to get into. Restart the payments if you can to prevent the contract cancellation, and demand the agreed inducement (or an alternative) is provided.

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Hi

Could you also quote that the 'football shirt' was an inducement / deciding factor in entering into the contract, and to now be aware it was neither available / nor would an offered alternative ever materialise - then the initial contract has been entered into under a misrepresentation (all-be-it innocent), and may be a bargaining point to re-instate the contract - with compensation and removal of any bad credit markers?

 

Just an idea?

 

Perseus

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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Very true - however to give credence to the argument you'd need to pursue that through the courts in an effort to get the original contract set-aside, and there's no slam-dunk rule a judge could use that would guarantee success, and it many not even be appropriate to the Small Claims track, so it's down to how much you'll suffer if they win, than if you just forgot about it and completed the contract.

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Ah - well, the cancellation of the contract means you've now got a default registered on your credit file, with the total amount owing due based on what you would have paid to complete the contract, plus any call charges outstanding for that month. In view of the delay, they might not be prepared to negotiate, so the DCA will be hounding you for the money owed.

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As you have nothing (more) to lose, it would be worth writing a letter to Orange head office, stating your case, enclosing copies of all correspondence you've sent, received, and verbally been advised before during and after by your local orange shop.

If you emphasise that the offer of the football shirt was what clinched the deal for you (as there were other comparable offers-with lesser inducements!) and because that item was not supplied, nor was the promised alternative - you believe that they were in breach of promised goods. (i'm sorry, I'm looking for the appropriate phrase to fit this but it escapes me-mental block!)

Buzby - surely the misrep act 1967 should levy some weight in a complaint. Goods or services promised as an incentive or invitation to enter contract - which then do not materialise (even though a promised replacement is offered and not received), it must be arguable?

 

It's certaainly worth a try - or maybe a call to your local Trading Standards office. They would maybe assist or guide you ?

 

P

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If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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It may be arguable, but there are more pressing things taking place with greater consequences. To have any hope of success the claimant must keep his side of the bargain, but since there has been a contract breach - it could be held that the OP never had any intention of completing the contracted deal irrespective of the value of the gift. Let's say it had a value of £15 to the network, this cannot end up being the tail wagging the dog... a contract of some £350 being recinded because of a mistake by someone in the marketing department. It would have to have equal weight, not simply a way of informally 'getting back' at some injustice.

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Yep - I understand now... Makes perfect sense.

 

P

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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