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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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Civil Enforcement Ltd (again!)


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Hi guys, just thought i'd update my situation. Got mt 1st demand for money in may, which i ignored, it eventually turned into a demand from Newlyn debt collection. I spoke to them saying it was in dispute and they need to refer it back to CEL. I then heard nothing for several months until this week when a 2nd Newlyn letter arrived, for the amount of £195 saying how disappointed they were that i have not contacted their office to arrange payment of my outstanding debt. (life is full of disappoints - get over it)

It is very frustrating to keep receiving these letters though.

 

I have yet to see anywhere on this forum where CEL has taken anyone to court so I am assuming that ignoring them is still the correct response.

 

Has anyone had any encouraging responses from bringing this company to the attention of their MP or would that be a complete waste of my time.

 

I am very angry that this bullying is allowed to go unchecked, I am a single parent and without the advice from this forum would probably have been frightened into paying rather than having debt collectors on my doorstep (has anyone actually had a visit from them yet ?) but what really concerns me is how easily someone has obtained my details from DVLA - I spent 10 years hiding from an extremely violent ex-husband and the thought that anyone can set up a "legit" company and buy my address for a paltry £2.50 really scares me.

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I have yet to see anywhere on this forum where CEL has taken anyone to court so I am assuming that ignoring them is still the correct response.

 

Absolutely.

 

Has anyone had any encouraging responses from bringing this company to the attention of their MP or would that be a complete waste of my time.

 

No, and to the second part of your question, It cannot hurt to let your MP know esecially as election time is looming.

 

I am very angry that this bullying is allowed to go unchecked, I am a single parent and without the advice from this forum would probably have been frightened into paying rather than having debt collectors on my doorstep (has anyone actually had a visit from them yet ?)

 

They never turn up. It is just not financially viable, taking into account their time, petrol and then just being told to, 'F*ck off', just isn't worth it, that is why it is just threatened and never carried out.

 

but what really concerns me is how easily someone has obtained my details from DVLA - I spent 10 years hiding from an extremely violent ex-husband and the thought that anyone can set up a "legit" company and buy my address for a paltry £2.50 really scares me.

 

I and many others on this forum share your concern.

regards

Please remember our troops, fighting and dying in our name. God protect them.

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but what really concerns me is how easily someone has obtained my details from DVLA - the thought that anyone can set up a "legit" company and buy my address for a paltry £2.50 really scares me

 

In Big Brother UK there is so much information held insecurely that scamsters such as MET, CEL, NCP etc. can get all the details they want and one thing is very clear from the mode of operation - they have no scruples whatsoever

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The data protection act obviously only applies to us lesser mortals who dont work for government agencies......

The data protection act does not work for anybody (well that is my opinion).

 

Phone the commissioner and discuss for example how somebody is breaching your data (e.g. a bank or a dca) and see what they will tell you. It will be something like:

 

We will call them and ask them to stop

 

Yeah! Right!

 

Or tell them that you have sent the money for a subject access request. The cheque has been cashed but you got nothing. See what they tell you.

If I have helped you or made you laugh by some witty remark and brightened your day................ the scales to click are over to your left hand side. :D:D

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I'm not sure if it's been noted before but I passed a CEL-monitored car park today with "new" signage. I took a close look at one of them (I had to as anyone driving would not have been able to read them clearly before entering their "lair") and now saw that they were offering a "further reduced rate" if they contact them while still on the site. How nice of them! :)

 

Christmas come early and they're feeling generous or looking even more desperate? :rolleyes:

 

Update: Still quiet: nothing from them since

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Hi Guys,

I know you must be fed up of all these posts, just got a PCN from these lot Civil Enforcement Ltd end of October, parked in a Co-op in Nottingham.. tomorrow is the day that I have in which I can get away with only paying the reduced amount of £45....am still contemplating whether or not pay it cuz I'm just a big scaredy cat!!!!

Not only that, but also just finished a law degree and don't really want to qualify with a huge debt on my head :-(:-( does that sound silly..I haven't even got a job..aargh!

 

help :o(

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am still contemplating whether or not pay it cuz I'm just a big scaredy cat!!!!

 

help :o(

Everybody else I would tell them (as has been said many a time) it is a [problem].

 

AS you have studied law then I would tell you PERSONALLY to pay it. That way, CEL will employ you as their solicitor whereby:

a: you will be in employment and

b: IF you take any of us to court we will be up against a "scaredy cat" :-D:-D:-D

 

Lol. I have a sad sense of humour. :roll::roll:

 

By the way, it is NOT a PCN. It is an Invoice sent to the registered keeper of the car (who might in the first place not have been the driver) trying to enforce a contract as written on their signage said contract having been written by **** in order to try and cheat the lovely members of the public out of their hard earned cash.

If I have helped you or made you laugh by some witty remark and brightened your day................ the scales to click are over to your left hand side. :D:D

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tomorrow is the day that I have in which I can get away with only paying the reduced amount of £45(

Ignore them and you won't have to pay anything.

Do not contact them under any circumstances.

regards

Please remember our troops, fighting and dying in our name. God protect them.

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Kinkinzz

 

PCN commonly stands for the Penalty Charge Notice issued by councils but the [problematic] use the same letters to make their invoices sound legitimate and official however in this case they stand for 'Parking Contravention Notice' or 'parking charge notice'

 

They are bullies and the only power they have over you is to scare you into paying an exhorbitant and unrealistic amount of money. It is a war of nerves now and you just need to stand firm. The letters will increase in amount as will the debt collector (same office different name) and the solicitor who will suggest how the fine may even double. All paper threats and nothing that would stand up in court and they know it - what they are banking on is that you are not in the 'know' and will cave in and send them their Christmas bonus

 

Resist and win

 

Be green and recycle their correspondence

 

Ignore works and they will after 3 months or so give up and look for an easier target

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Just had the pleasure of a demand from CEL for parking in Milton Keynes near the Hub. They are very devious, they have just put in about about 30 parking bays at the end of a very long section of parking spaces run by the council. No indication you are moving into a private zone, there are signs if you look but they are only about 15 yards from a normal pay machine. The killer is it is free to park after 6 in Milton Keynes, not with CEL though, and being very dark, anyone who stumbles into these bays will naturally assume they are OK after 6 and will get a nasty letter.

 

I am following all the advise and ignoring them, but would love to get them to court to explain this blatant entrapment.

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I have received exactly the same demand for parking at the Hub in milton keynes. Im really worried after reading all the info on hear and thinking i should pay it. I went back to the hub today and there are signs stating you will be fined if you park there.

What should i do?

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Yes, like a couple of others here, yesterday my wife received a "Parking Contravention Enforcement Notice" from Civil Enforcement Ltd for parking at the Hub in Milton Keynes for a 25 minute stay 20:29 hrs on 30th October.

They have issued a Parking Charge Notice for £150 (amount due within 28 days) or £75 (Reduced amount if paid within 14 days).

 

They say:

 

"failure to pay the amount due within 28 days of the issue date, will result in Civil Enforcement Ltd forwarding your account to a debt recovery agency and you will incur additional costs"

 

So what's the best ting to do;

 

Should she ignore it as said previously here

or

Send the letter telling them "to contact the driver of the car"

 

Which method has the highest/quickest rate of success to get these bleeding parasites off her back?

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Hi

 

Ignore them if you send them a letter of any type they immediately assume that they have you worried and will bombard you with more letters.

 

This not a fine only the council and police can fine you this is just another demand for money, would you pay me if I sent you an invoice for passing my home if I had a sign saying pass my home charge of £50. I have a good idea what you would say to me.

 

 

dpick

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I have received exactly the same demand for parking at the Hub in milton keynes. Im really worried after reading all the info on hear and thinking i should pay it.

 

Why?

 

I went back to the hub today and there are signs stating you will be fined if you park there.

 

Did it actually say, 'fine'?

What should i do?

 

Ignore it and get on with your life.

regards

Please remember our troops, fighting and dying in our name. God protect them.

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Just for clarification:

 

A High Court ruling states that a council issued ticket is actually a Penalty.

 

Any company or even goverment departments that issue a Fine then just quote them section 12 of the 1689 Bill of Rights namely:

 

That all grants and promises of fines and forfeitures of particular persons before conviction are illegal and void

 

IF you want to annoy Civil Enforcement Ltd then send them this:

 

1689 Bill of Rights states:

 

That excessive bail ought not to be required, nor excessive fines imposed, nor cruel and unusual punishments inflicted

 

£150 for parking on private land is an excessive fine being imposed :D

If I have helped you or made you laugh by some witty remark and brightened your day................ the scales to click are over to your left hand side. :D:D

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It looks like CEL have had a blitz at Milton Keynes. I also have just received a "Parking Contravention Enforcement Notice" through the post for 30 October 2009 for my car parked between 20:06 and 21:40.

There is no appeals process set out, you even have to provide an SAE if you want them to provide a receipt.

I went back to the area today and I believe the signage is misleading - there is small writing showing Terms and Conditions which can only be read when really close to the sign and this says that parking terms apply 24 hours a day. It does not clearly say the hours of operation in the main part of the sign. The British Parking Association logo is on there which seems to add some semblance of legitimacy.

I have been in contact with the Council who told me they have already had a number of people phone them this week to express concern about this parking land. As it is private property they have no powers to act but suggested I speak to Trading Standards.

I have done so and registered a complaint with TS. TS also say that I should write to CEL stating that the signage was unclear and that I am therefore not liable. I could mention reporting the matter to TS in the letter, then I should set a reasonable deadline for response (7 - 14 days) and send by recorded delivery.

They also mentioned that the Security Industry Authority issue the licences for these people to operate so I could also complain there.

They can go whistle for their money - this is a complete [problem]. How many more people are going to get conned before someone puts a stop to it?:-x

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Miranda_bdf...I have done exactly the same as you today called the council the trading standards, looked on the british parking website and im still none the wiser. I nearly sent my cheque today but having read more this evening, they can go jump!!!!! Hopefully, i will sleep tonight.

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