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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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UKPC fines outside my flat!!


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Hello All,

I am wondering if someone can help me.

I have now received 2 fines for parking outside my flat (private land) The permit I have has on both occasion fallen off the dash (probably when slamming the door or by my son who grabs everything!). There is a notice up in the car park stating that a valid permit must be displayed.

I have written to UKPC arguing that the charges are unfair and unjust but my appeals have been rejected. They are taking both my appeals separately (ie I have asked that they be considered together as the reason for the fine is the same on each occasion ie permit falling off the dash).

I am now dealing with Hunter Forrest and CO debt collecting agency and the fine has gone up to £195 (from the initial £85 fine) on one of the tickets and its still £85 on the second ticket.

As the permit I have is stupid in that it wont stick to the windscreen it is likely to fall off again at some stage in future and bingo - another fine.

I dont know whether to bite the bullet and just pay or go the the process ie Court, possibility of further costs, CJJ etc..

Does anyone have experience of this and if so have they managed to get the fines revoked on the basis that they have a permit, they live at the address where the permit was issued and was given, the fine amoutn is unreasonable, unjust etc..

I am at my wits end"!!

 

Many thanks

Shannyd.

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STOP!!!! Spit the bullet straight back out again and don't pay them. In case that wasn't clear enough - DON'T PAY THEM!!!! :)

 

Have a read through the various threads on here, this one in particular. These people are cowboys and are simply trying to extort money out of you. Their threats are empty and designed to scare you, so please do not fall victim to this '[problem]'...

 

I have received over 40 parking tickets for parking in my own space, which I paid £15,000 for, simply because my permit has fallen off the dashboard. Needless to say, I won't be paying a penny to the company that issued them. Just be strong and don't let them bully you.

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Hello and thanks so much for your replies- that info from Peter Jones was fantastic.

My management company have a notice up in the communal areas of the building stating that they will not get involved. Full stop.

I will phone them today anyway and see if they can so anything ( doubtful..)

Many thanks

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I have written to UKPC arguing that the charges are unfair and unjust but my appeals have been rejected. They are taking both my appeals separately (ie I have asked that they be considered together as the reason for the fine is the same on each occasion ie permit falling off the dash).

 

The 'appeals' service of private ticketers is a sham, designed to cause confusion between their [problem] tickets and official council ones. I'm not aware of a single 'appeal' ever being upheld.

Post by me are intended as a discussion of the issues involved, as these are of general interest to me and others on the forum. Although it is hoped such discussion will be of use to readers, before exposing yourself to risk of loss you should not rely on any principles discussed without confirming the situation with a qualified person.

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Hello All,

I am wondering if someone can help me.

I have now received 2 fines for parking outside my flat (private land) The permit I have has on both occasion fallen off the dash (probably when slamming the door or by my son who grabs everything!). There is a notice up in the car park stating that a valid permit must be displayed.

I have written to UKPC arguing that the charges are unfair and unjust but my appeals have been rejected. They are taking both my appeals separately (ie I have asked that they be considered together as the reason for the fine is the same on each occasion ie permit falling off the dash).

I am now dealing with Hunter Forrest and CO debt collecting agency and the fine has gone up to £195 (from the initial £85 fine) on one of the tickets and its still £85 on the second ticket.

As the permit I have is stupid in that it wont stick to the windscreen it is likely to fall off again at some stage in future and bingo - another fine.

I dont know whether to bite the bullet and just pay or go the the process ie Court, possibility of further costs, CJJ etc..

Does anyone have experience of this and if so have they managed to get the fines revoked on the basis that they have a permit, they live at the address where the permit was issued and was given, the fine amoutn is unreasonable, unjust etc..

I am at my wits end"!!

 

Many thanks

Shannyd.

 

HUNTER FORREST and Co -- New name CCS Enforcement are using

Just hate every DCA out there

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