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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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cancellation of goods legislation after deopsit paid?


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Hi, i am new to this forum or any forum to be honest. Can not believe there is such a wide range of problems in this site WOW.

 

I have on the 25th Aug put a deposit on a 6 seater table and chairs from Harveys atfer much pressure sales, only 2 weeks after my mum died, now i am thinking a bit clearer and not actually seeing the complete set i stated ( as they had none in stock) i have changed my mind as feel PUSHED into it.

 

What i really want to know is what are my cancellation rights under sales of goods legislation?

on the pointless insurance thay sell you this says 14 days but no number of days are stated on the the other agreement

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The 14 days on the insurance may well be that that is the cancellation time for the insurance itself, not for cancelling the goods.

 

Have you tried phoning them to ask politely, explain the circumstances, and ask what their cancellation policy is? You never know, you might get a good response. They should have given you a copy of their T&Cs for you to read anyway. As for the PPI, cancel it in writing ASAP.

 

How much deposit did you put down, as a matter of interest?

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Hi tilly they want 20% of the order price! but they will cancel the insurance. That is at their discretion. I may choose a reselection of goods at the same or higher value subject to this 20% admin charge and redelivery costs been met by myself.

 

I told them that they pushed goods onto me that i havnt actually seen as thay had none on the show room and she kept repeating " its not my fault", it is company policy".

 

Mentioned that most decent companies offer a 7 day cooling off period but she just kept replying it is 20% to cancel and that it is for online purchases only a 7 day cooling of period is offered.

 

Looks like im £90 out of pocket!

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The insurance cancelled at their discretion? Yeah, right. :rolleyes: what a load of cobblers. You have every right to cancel that insurance if you so wish, and I strongly recommend you do it yourself ASAP, and not rely on them to do it. Also check with your bank that no DD mandate has been installed, and if it has, cancel it yourself so they can't "accidentally" forget to deal with it and get money out of your account.

 

You really should insist on the written T&Cs/contract copy to see what it says in terms of cancellation, just in case. Then if the 20% is confirmed in the T&Cs, a letter to head office to appeal to their better feelings. On the other hand, if nothing is mentioned in the contract/T&Cs, then they don't have a leg to stand on.

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Have moved your thread here:)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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