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    • 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.   
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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  
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Dumb mistake Barclays


roncarr
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I started my complaint against Barclays with an initial letter on December 13th. Had all the usual letters and an offer of £1000 which I declined. I then started a claim via the moneyclaim online. My claim was for £4795.00 plus £120.00 court fee. The claim was moved to Gloucester County court and they requested various items all duly sent to the court AND Barclays head office.

The judge then ordered that the action be stayed until 2nd July so as to try to settle the matter without a court hearing. I objected to this on the grounds that barclays had been given plenty of time to settle this matter. The judge agreed and a preliminary hearing was set for 3rd July at 12noon.

I decided to give Barclays time to still settle the matter out of court and found out who was dealing with my case and sent him an email asking if he wanted to settle. I put on the email the account details, case number, court,etc. No reply so I sent another email saying I take it they did not want to settle before 3rd July. This time a reply saying they did want to settle and would be in contact in the next couple of days. That was 22nd June and I heard nothing.

So today 3rd July I am sat in front of the judge who informed me that Barclays had sent a fax on July 2nd saying they had only just found out about this case, had not received any documents and had not had time to prepare for the case.

That was the dumb mistake! I had printed off every email I had sent to and received from the bank regarding this case. On each email were all the details including the case number and date. So in one hand the judge has got a fax from the bank dated 2nd July saying they knew nothing about the case and in the other hand the judge now has emails from the bank to me on various dates up to the 22nd June.

Now I was led to believe that telling lies in court was in contempt of court and yet here is a banks legal employee telling lies to a judge!

I was awarded judgement for £5015.00 which included the local court fee. The judge has given the bank until 31st July to pay up. I hope the bank don't forget this date otherwise at 10am on a date not long after 31st July their local branch will have a visit from the bailiffs. Oh and I will make sure the TV and press are there as well.

So after all this my advice is to stick to your guns but if you want to try and settle before the court date make sure you do it my email and keep copies. If you do it by telephone you have no proof when the bank lie in court!

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Absolutely Brilliant!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!Conratulations to you- in more ways than one!!

 

I love your post so will everyone else on this site. First class and well done.

 

Quote from roncarr:

 

"So today 3rd July I am sat in front of the judge who informed me that Barclays had sent a fax on July 2nd saying they had only just found out about this case, had not received any documents and had not had time to prepare for the case.

That was the dumb mistake! I had printed off every email I had sent to and received from the bank regarding this case. On each email were all the details including the case number and date. So in one hand the judge has got a fax from the bank dated 2nd July saying they knew nothing about the case and in the other hand the judge now has emails from the bank to me on various dates up to the 22nd June.

Now I was led to believe that telling lies in court was in contempt of court and yet here is a banks legal employee telling lies to a judge!"

 

Your last line is something that I couldn't possibly comment on!!!!!!!:D :D :D :D

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Lovely win Ron . . well done ..

 

Uk

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Well done Ron!! :D

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Congratulations...Well done.

:D

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

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Well done ...... enjoy :D

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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Ron - oh to have been a fly on the wall!

 

Thank you for putting a big stupid grin on my face.

 

I can't decide whether Barclay's should sit in the corner with a Dunce hat or go to the naughty step and have a good long think about why it's wrong to tell lies!

 

:D:D:D:D:D:D

3 Active Claims:

Barclays Refund of Bank Charges (Sole account) - Applied to lift court ordered Stay

Barclays Refund of Bank Charges (Joint account) - Awaiting court date

Barclays Refund of Bank Charges (Joint account) Pre-6 yrs- LBA sent.

 

 

3 Wins :

Barclays t/a The Woolwich (Data Protection Act breach costs & compliance)

HSBC (on behalf of brother)

Settled Out of Court - £3,874.76

Alliance & Leicester (on behalf of friend)

Settled Out of Court - £723.41

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That is fantastic news, well done. I have a claim going with Barclays for my dad, so I will certainly bare in mind your little nuggets of advice

HFC Bank - First letter claiming £196/LBA sent/£75 offered/rejected/Claim filed

HFC Bank Take 2 - Statements received

A & L - Prelim sent/LBA sent

Barclays (for my Dad) - Awaiting statements/LBA for S.A.R. sent/Statements received/Prelim sent/LBA sent

A & L (for my Son) - Awaiting statements/Statements arrived Prelim letter sent/£280 offered and rejected

Abbey (for my Sister) - ***Won***

Barclays PPI claim

Studio - ***Won***

HSBC - (for my brother-in-law) ***Won*** 8-)

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How I loved that initial post of yours!

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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Delightful. What an encouraging story, you have truly nailed them. Thank you roncarr - that has really put fresh wind in my sails! :D

 

Mac

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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Gingerninja,

 

All I did was write to the judge and objected on the grounds that barclays had already had plenty of time to settle the matter.

 

If you want an exact copy of the letter I wrote then let me know.

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