Jump to content


  • Tweets

  • Posts

    • 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
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Find out here if your local court is staying claims


ICY
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5377 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

My court date (actually my bosses, but I am dealing with it on her behalf..) is Friday 28th September in the Huntingdon County Court. I just phoned them and was told that they are now part of the Peterborough and Huntingdon combined court and that all cases are being automatically stayed, without application from the banks. I gave my case number and she said that mine appreared not to have been stayed, and that it was the only one. She then disappeared and came back to say that it was an error and I would be notified of the stay. I could kick myself now!!! :evil:

 

I asked about applying for removal of the stay and she said I could try but it wasn't worth it. Of course I still will though....

Link to post
Share on other sites

  • Replies 752
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

I wouldn't worry too much Lindy Lou, as we're all facing a mass stay on our cases regardless of justice being applied. Continue to attempt to lift the stay using specific information to your claim and the Court will have to at least look at it for you.

 

I've just called Morpeth and Berwick County Court to be told my application to lift the stay is refused, regardless of my circumstances - I'll be asking for a hearing before the Judge and letting them know about my disappointment and the fact they've totally ignored my arguments against and just blatantly accepted the Defendant's version... for what it's worth...

 

Link to post
Share on other sites

District Judge Rhodes has ordered all Bank Charge Claims in Watford County Court now be Stayed until 31t March 2007 (ie, after the OFT Case)

 

Gutted. That's the second stay my claim has recieved.

 

I reckon the banks are gonna do a deal and shaft us all... you wait and see..

Lloyds

19-10-06- S.A.R Letter

Prelim 20-11-06 £10,492

LBA - 2/12/06

Cap 1

19-10-06 - S.A.R Letter

Prelim 20-11-06 £1,467

LBA 2/12/06

WON-Settled in Full

AMEX

19-10-06 -S.A.R Letter.

Prelim - 20-11-06 £697

LBA - 2/12/06

Morgan Stanley

19-10-06 - S.A.R Letter

Prelm 20-11-06 £1580

23-11-06. £1076 offered.

4-12-06 - LBA

Won-£1580 14-12-06

MBNA

19-10-06 - S.A.R Letter

20-11-06 Prelim

WON-£4010

Link to post
Share on other sites

26. Torquay and Newton Abbot County Court HAVE LIFTED A STAY

All the below courts have said SOME cases will be stayed whilst the outcome of the test case is decided, this affects current account claims:

6. Bath County Court Have made orders for banks to stop charges until test case result

All the below courts have said ALL cases will be stayed, whilst the outcome of the test case is decided:

 

32. Luton County Court Have made orders for banks to stop charges until test case result

 

...... And, I wonder, HAVE the banks stopped charging?

 

Here's an update on Scotland:

 

http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/114533-no-stays-sists-scotland.html

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!

Link to post
Share on other sites

...... And, I wonder, HAVE the banks stopped charging?

 

Here's an update on Scotland:

 

http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/114533-no-stays-sists-scotland.html

 

 

I take it that was sarccastic, but of course they haven't I've been charged at least £100 in the last 2 months for 'exceeding' my overdraft limit!

 

I got a bit lost in that thread, but the first page stated Leeds Combined was not staying cases. Can anyone tell me if this is still the case? I might go ahead with filing if so. :)

Link to post
Share on other sites

...... And, I wonder, HAVE the banks stopped charging?

 

Here's an update on Scotland:

 

http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/114533-no-stays-sists-scotland.html

 

If they are applying charges on cases where they've been ordered not to, they can be held in contempt of Court!

 

Any claimants that have this order and have been subsequently charged, should be informing the Court immediately.

 

Link to post
Share on other sites

...... And, I wonder, HAVE the banks stopped charging?

 

Here's an update on Scotland:

 

http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/114533-no-stays-sists-scotland.html

 

nope, been charged another £95 this month. It was the same last month.... but i'm not a financial hardship case apparently???

maybe i will be when me and my 10 month old son get thrown on the street for not paying my mortgage!!

Barclays hearing 30th Aug 07 - now Barclays pay Feb 09!!

Twitter - @monkeymax

Link to post
Share on other sites

Blackburn court staying all claims, even credit card and business accounts.

 

They said as long as it says 'bank charges' on the POC it will get stayed.

 

This now leaves me with the option of issuing the claim and risking waiting or applying for a stay set aside and maybe getting statement interest or passing to the FOS and still wait around 5 months, but get only stat 8% interest.

Link to post
Share on other sites

List updated next page

 

 

I had a court date for 1st October and Barnet County Court has written to say they are staying all cases. I just thought it was pointless to apply to them to lift the stay seeing as their tone was so uncompromising but perhaps I should have. Should I still send off my court bundle in the meantime or just wait until some decision (presumably in our favour) has been made?

 

I

Link to post
Share on other sites

I have a case against Cap One for credit card charges. I returned my AQ by the deadline on 6th August, but judge gave Cap One an extra month. They missed the second dealine, but when the case went back in for the judge to make a further order, he made this instead-

 

Before Disctrict Judge Sheratte sitting at Ilford COunty court etc etc

 

Upon the court being aware that the test case has been commenced in the high court (claim no. 2007 Folio 1186) dealing with the issues in this case:

 

IT IS ORDERED THAT

 

1. The Claim be stayed pending application to retore the claim by either party

 

2. As the court has made this order on its own initiative without a hearing or giving both parties an opportunity to make representations. You the claimant being a party affected may apply to have it set aside varied or stayed by application to be made not more than 7 days after the date on which this order was served upon you.

 

 

 

 

Cap One have even not asked for a stay as they know, like I know that the test case has F all to do with credit cards.

 

My other case at Ilford was filed on the same day against HSBC and has followed same timeframe almost exactly to the day. Issued same day, 2 acknowledgements on same day, 2 defences on same day, 2 AQ sent out to me and due to be returned on the same day. Both cases are the same story in that my AQ was returned on time, they gave both Cap One and HSBC an extra month cos they didn't return theirs. But on HSBC one for bank charges it went in before a different judge who made an order to strike out the defence if they had not returned all documents within 14 days.

 

Shows what a shambles the whole situation is, when 2 judges make different judgements in the same court within 2 days. They stay the credit card claim and let the bank charges claim go on!

Link to post
Share on other sites

Hi rr

 

Bad news for me - I'm about to file a claim against Cap 1!

 

The whole Court system is indeed a shambles at present, as far as reclaiming charges is concerned. Where IS the consistency and justice that we are all entitled to? The 'powers that be' should be totally ashamed of themselves!

 

Adam.

I do my best to be helpful, but at the end of the day I'm not a professional - please seek further advice if you're not sure. On the other hand, if I have helped, please click my scales - thanks ;)

 

Current Claims (all for friends!) -

 

Abbey - over £4k - Court claim issued & AQ filed ('Tish vs Abbey'). Alloc'n Hearing 21 Sept - Claim stayed 29/8/07.

Cap One - just under £2k - WON (just over 2k!)('Tish vs Cap One')

Cap One - just under £1000 - WON (just over £1k) Nov 07 (JimmyBoy vs Cap One)

Lloyds TSB - £3.5k - Court claim issued, defence rec'd and AQ filed; Alloc'n hearing 7th Sept Claim stayed 29/8/07! (JimmyBoy vs Lloyds')

MBNA - over £1k for mis-sold PPI - WON - approx £1500(IpswichWitch vs MBNA . . .)

Link to post
Share on other sites

Hi everyone,;)

I have 1 credit card claim with Halifax .I sent letter refusing their offer and 2 Barclaycard ones also with poor offers. MY local court is ALTRINCHAM .I don't know whether to file an NI there ,OR MCOL.I have read such a lot about everyones experiences at their local court, it's a bit scary!!

The credit cards should not be affected as I understand it, but some are!

Would I stand a better chance at a local court?

Any advice would fantastic. Good Luck everyone, Pinada Golf lady

Link to post
Share on other sites

You would be better off with the FOS. No fees and No stays, and u can still go to court if it fails.

 

(Credit cards)

[COLOR=#2e8b57][B][SIZE=1][U]Claimed & won so far[/U]:-[/SIZE][/B][/COLOR] [COLOR=#2e8b57][SIZE=1][COLOR=seagreen][U]Banks[/U]:- NatWest Personal £1000, Natwest Business £2000, Lloyds TSB Personal £1500, [U]Mortgages[/U]:-Central Capital (PPI) £500, Natwest MEAF £140 [/COLOR][COLOR=#2e8b57][U]Credit cards[/U]:- HSBC Gold card £365, Capital One £599.55 Barclaycard £1070 ( i only aske for £700) , Lloyds £500 [U]Catalogues[/U]:- Littlewoods Direct Flex Account £60 :D [/COLOR][/SIZE][/COLOR] [COLOR=#2e8b57][SIZE=1][B][U]For Friends[/U][/B]:- Natwest £1500, £1800 & £500, Cap One £600, Barclaycard £400, Solutions £100, Aqua, £105.[/SIZE][/COLOR] [COLOR=#2e8b57][B][U][SIZE=1][COLOR=seagreen]Pending:-[/COLOR][/SIZE][/U][/B] [COLOR=seagreen][SIZE=1]Barclays Bank Personal (On hold - Thanks a lot OFT) :mad:.[/SIZE][/COLOR][/COLOR]

Link to post
Share on other sites

Sorry about that - I was anwering the post above re credit cards, but should have quoted. I have made ammendments.

 

I meant credit card claims are still proceeding. They are handling mine.

 

Whereas my credit card claim in the courts has been stayed.

[COLOR=#2e8b57][B][SIZE=1][U]Claimed & won so far[/U]:-[/SIZE][/B][/COLOR] [COLOR=#2e8b57][SIZE=1][COLOR=seagreen][U]Banks[/U]:- NatWest Personal £1000, Natwest Business £2000, Lloyds TSB Personal £1500, [U]Mortgages[/U]:-Central Capital (PPI) £500, Natwest MEAF £140 [/COLOR][COLOR=#2e8b57][U]Credit cards[/U]:- HSBC Gold card £365, Capital One £599.55 Barclaycard £1070 ( i only aske for £700) , Lloyds £500 [U]Catalogues[/U]:- Littlewoods Direct Flex Account £60 :D [/COLOR][/SIZE][/COLOR] [COLOR=#2e8b57][SIZE=1][B][U]For Friends[/U][/B]:- Natwest £1500, £1800 & £500, Cap One £600, Barclaycard £400, Solutions £100, Aqua, £105.[/SIZE][/COLOR] [COLOR=#2e8b57][B][U][SIZE=1][COLOR=seagreen]Pending:-[/COLOR][/SIZE][/U][/B] [COLOR=seagreen][SIZE=1]Barclays Bank Personal (On hold - Thanks a lot OFT) :mad:.[/SIZE][/COLOR][/COLOR]

Link to post
Share on other sites

I filed 2 claims that both got stayed that have sweet F all to do with 2007 Folio 1196. 1 is a business claim thus is not covered by the UTCCR's and 1 is a claim against American Express for £58.08 of credit card charges and over £2k of damages for various other problems incurred.

 

AND blood Manchester County Court stayed the cases. Applied for the stays to be removed. Will have to wait and see.

-------------------------------------------------------------------------------------

:!: All the information I impart is my advice based on my experience. It does not constitute professional advice. If in doubt, always consult with a professional. :!:

 

:-) If you feel my post has been helpful, please click my scales. :-)

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...