Why tosh?
If one appropriate person is of the opinion that an MOR is justified, they have every right to raise one.
Whether or not it is acted on, followed up or totally ignored is a total different matter.
CAP 382 CAA guidance on the MOR's gives a list of examples where MOR's could be raised. (Appendix 2).
One of these is
b) Incorrect loading of passengers, baggage or cargo, likely to have a significant effect on aircraft mass and/or balance.