I can’t upload the file but it’s a notice to proceed with their response to my defence.

I received a parking fine from Parkingeye Ltd in January 2023 it started at £75 and is now £175. I just ignored it but today I received a notice to proceed from them. I did fill in a defence when I first received the court pack and hoped it would stop there but obviously hasn’t. My question is does this mean they are definitely taking me to court and if they do and I lose how much more am I looking at paying on top of the £175. thanks

You will get it back but it can take weeks - always better to spread your money between different banks just in case they freeze one account at least you have another one to use From my experience - Barclays froze my account for 90 days and then closed it I had to show where the money was from before they released it. Santander - just closed it and sent me a cheque with my money RBS - froze the account and transferred my money to a new account after about 14 days if they put you in the CIFAS register you won’t be able to get a new account so get a new account now while you can. They may close it as well so also try for a bank that isn’t a bank like transfer wise or currency fair. Anywhere that will allow you to accept and make payments good luck

Its the RBS

The bank have kept 40k

Somebody paid several thousands into my husbands business account - he informed Barclays and the police that it was an unexpected payment so they dealt with it. Result was account closed and we were put on CIFAS register. RBS have quite a few thousand at the moment

I know it might not sound good - but I had no other account so had to use it for business

Ok thank you - I can show where all the funds came from so I just hope they release them - what sort of proof will they want - contact details of everyone who deposited them? I have a lot of transactions

I already know that I am on the CIFAS register (not my fault) but it was too stressful to fight the case so I would imagine this is the reason - the RBS was my spare account when the previous account was closed! I do have one other bank account that is still open and not linked to RBS I really need my funds back

I found out yesterday that RBS have closed my account with no warning and they have said I can't get any funds out of the account. They say there is a letter on it's way - it leaves me in a bad way just a few days before Christmas. They told me to contact them in the New Year to see if there is any update. How long can they keep my money for? I had an old debt with Natwest going back 20 years - can they take this from my RBS funds??

That sounds promising - I have Halifax and RBS personal accounts - I'm hoping they are safe Barclays and Santander business accounts closed and been unable to open another high street business account

I can't even get a basic account now. I can get a paid for account and I do already have a personal account which I am hoping won't be closed down. I've had two business accounts closed with no notice. When I read the information Cifas sent to me it says all they will do is check that Barclays followed the correct procedures. They probably did follow the correct procedures - somebody paid fraudulent money into the account - I'm the one now suffering for it. I've googled it and it happens to lots of innocent people

What if I just ignore it all and stop paying anything to them - I'm already on the cifas register so my credit score etc is irrelevant for the next 6 years

Ok thank you for that. As it's quite a new account will the DCA more than likely have an enforceable agreement.

Hi - I'm looking for some advice. I am going to have to default on my barclaycard as I can't afford the minimum payments as my circumstances have changed. it was taken out in 2015 - will they take me to court and send the bailiffs round... Thank you

Thanks for the replies so that's 6 years on the register. There I was with a really good credit score and then they do this to me which is worse than a terrible credit score. I hope they don't close my personal accounts as well.

Can anybody advise how long I will remain on the CIFAS register. I have been put on the Cifas register by Barclays bank. The category used was aiding and abetting. I know I can try and fight it but it has caused me so much stress and time that I feel for my own well being I should just wait until it comes off the register. I am not a fraudster but had money paid into my account which I reported to the bank. As a result they closed my accounts and added me to the CIFAS register. Thank you

Thank you

Hello Can anybody advise me what to do. I had a credit card with Natwest in 2002. I got into problems and ended up on a Debt Management Programme about 10 years ago. All the creditors defaulted my accounts except for Natwest. As a result my credit file shows a report of 6 and this has been happening for the past 10 years. All my defaults have dropped off my credit score. I stopped paying anything to natwest so that they would have to default me but they have still not defaulted this account and report a 6 every month. My credit file is clear now except for this account. Is there anything I can do to get this information corrected to its correct status. I have asked the bank and they won't change it. Thank you

Is there a letter I should use. I have a 6 on my report for the last 6 years and at the current rate it will take 7 more years to pay this off so I have at least another 13 years of the 6's being shown. How long does a 6 have a bad effect on my credit file? I live abroad so the court route is not that straight forward for them

I have received a reply today from the complaint handler of nat west cards customer services and they say that they are unable to uphold my complaint: as it is a true reflection of the conduct of the account. They included a leaflet about the Financial Ombudsman service Any advice is appreciated. In the meantime I am going to stop all future payments so that they will have to default me and at least it will drop of in 6 years - unless advised otherwise that is Thanks

I have posted the letter you kindly put on the forum for me. I live abroad so sent it by Special Delivery - it cost €21 but hopefully it will be worth it. Is there a time limit that they should work within?

I am going to get this underway tomorrow. I have done myself no favors by making regular payments. I will stop payments so that they will have to close the account and default it. They may try and enforce it but this goes back to 2002

I wonder if I can get them to back date the default, I am going back years here and now I wish I'd just not made any effort to try and pay this off. I will send the letter and if they don't do anything take a decision of the best way forward. I have read the information at this link and I think they should have defaulted me in 2006 http://www.ico.gov.uk/upload/documents/library/data_protection/detailed_specialist_guides/default_tgn_version_v3%20%20doc.pdf

Thank you Brigadier Is a default much worse than these 6's