consumer forums consumerforums Total Bank Charges Returned : £16595128 to 9717 people. The Consumer Forums  
Bank Charges Refunds Survey | 'Buddy' System | Get an email address | Site Map | Registration Problems | FAQ
CAG Products - We think that these will help you to make your claim or Reclaim your Right

These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit Small Claims Court Guide
**New Edition**
CallBurner - Skype
CallRecorder Review
Last Will & Testament Kit Fight a Motoring Ticket
 
Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here


UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki

N.B. Please note - due to postage costs these products are only available in the U.K.



Consumer Action Group envelope labels
You are part of a community of over 195,000 people.
Let your bank know that you won't give in.
Display one of our labels on your envelopes.
Full description here
Sheet of 20 self-adhesive envelope labels
£3.50 inc p&p





Reclaim the Right!
The Lawpack Small Claims Kit contains everything you need to get your bank charges refund. Sample forms, Instruction manual, template forms and an entire set of court forms in .PDF format on CDRom.

Just type in the details of your claim and print them out.


Reclaim the Right!


Sue your bank as often as you like with one Lawpack!!

With a Lawpack and Patricia Pearl’s book on Small Claims, you have everything you need to get your unfair bank charges refunded or assert other consumer rights.
(England & Wales only)

CAG Forum Users Price £11.99
(click image to buy)
Plus £1 P&P



Reclaim the Right!


New Edition
Small Claims Procedure by Judge Patricia Pearl
An excellent guide for the layperson
Not for use in Scotland
Read BF's Review Here




Stand up to Telephone Harassment

If you use Skype -
Record your phone calls with CallBurner
It's Hot!

Click below to download your
14 day trial copy
CallBurner
Skype CallRecorder download


Read the
Explanation and review here
£31.96 - includes 20% CAG discount
(normally £39.95)

We've managed to negotiate a discount for CAG Users on DIY 'Willpacks'


Click on the image to purchase a Wills kit - £12.99 + £1.00 pp

Remember...you can't take your reclaimed bank charges with you ;-)



Do your Internet search here



Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road London NW11 7PE
Do your Internet search here:-
Come and chat with us here (NB: External site NOT affiliated with CAG)

  CAG Announcements
 
Welcome Guest
Please register
Registration is free
There are no charges for using any of the facilities of this website.
If this is your first visit, be sure to check out the FAQ. You will have to register before you can post. To start viewing messages, select the forum that you want to visit from the selection below.
You will also have to register to access our template letters and claims forms
registration is free
Are you being threatened over debts more than 6 years old?
This may be unfair
See our new Unfair Trading Guide
Bought an extended warranty?
Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
Are you a victim of unfair trading?
Check it out
The Consumer Protection from Unfair Trading Regs 2008
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
 
Bank Action Group Debt Action Group
 

Go Back   The Consumer Forums > The Consumer Forums
The Consumer Action Group
> General Consumer Issues


Welcome to The Consumer Action Group

and
The Bank Action Group


Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges.
We strongly suggest that you register under a UserID and not your own name

Reply
 
LinkBack Thread Tools
Old 13th December 2007, 15:07   #61 (permalink)
GlasweJen
Platinum Account Customer
 
GlasweJen's Avatar
Default Re: T K Maxx and Retail Loss Prevention

No, it was only a few days ago, still in the process of talking with the police etc (who can confirm i was in a locked office) before filling in the forms.
GlasweJen is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 13th December 2007, 15:11   #62 (permalink)
PI Guy
Classic Account Customer
 
PI Guy's Avatar
Default Re: T K Maxx and Retail Loss Prevention

I would consult a solicitor who knows scottish law and sue for false arrest don't wait for the police. They will certainly settle expect to get about £3000 to £7000 settlement.
PI Guy is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 13th December 2007, 16:41   #63 (permalink)
mcjohnson
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Sep 2007
Posts: 72
mcjohnson Novitiate
Default Re: T K Maxx and Retail Loss Prevention

The law is quite clear that a person can not be forced to move from the location at which the citizens arrest took place. Of course, most stores will try and coerce you to move as having someone suspected of an offence stood in your doorway until the police arrive could be pretty disruptive. Any attempt to make the individual move against their will could, and should, result in assault / false imprisonment / kidnap crinimal charges.
Any LPA can only claim for their material losses, they can not pass on their operating costs to the individual and this should be borne by the organisation. The operating costs bear no relation to the losses that the organisation have incurred, and can not be billed under this pretence. Essentially what your saying is "we're billing you £150 to be able to bill you £150!!!". Thus, if I stole a pair of shoes worth £30, all you can bill me for is £30.
So I fall on Pat's side of the fence for this one.
mcjohnson is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 13th December 2007, 18:34   #64 (permalink)
nitecard
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Nov 2007
Posts: 32
nitecard Novitiate
Default Re: T K Maxx and Retail Loss Prevention

Very interesting what you say mcjohnson.

RLP are claiming the following:

value of goods or cash stolen -
£0.00
Staff & management time investigating/dealing with your wrongful actions -
£82.50
Admin cost resulting from your wrongful actions -
£24.75
Apportioned security & surveillance costs resulting from your wrongful actions -
£30.25

I am thinking of invoicing them for my time in dealing with their unwarranted claims!
nitecard is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 13th December 2007, 19:10   #65 (permalink)
PI Guy
Classic Account Customer
 
PI Guy's Avatar
Default Re: T K Maxx and Retail Loss Prevention

Quote:
Originally Posted by mcjohnson View Post
The law is quite clear that a person can not be forced to move from the location at which the citizens arrest took place.
please link to the "LAW" that you refer to.
PI Guy is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 14th December 2007, 11:09   #66 (permalink)
emsgeorge
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jan 2007
Posts: 125
emsgeorge Novitiate
Default Re: T K Maxx and Retail Loss Prevention

WHY, oh WHY do people has some sort of misconception that theft isnt comitted until you LEAVE the store. As soon as there has been an oppertunity to pay, and the person fails to do so, then the offence is complete. Please dont put into the minds of peoples heads that if they shoplift, and then get to within 1 metre of the doors, spot security and drop the suff, that they cant be touched - it only makes securitys job harder, and more embarrasing for the shoplifter !!.

With regard to RLP - is everyone sure that they cant charge what they are ?? - some posters on here seem to of conveniently forgotten my reply that stated that UNLIKE the private parking companies, that RLP HAVE TAKEN CASES TO COURT, ARGUED THE TOSS, AND HAVE WON - Tesco V KULAR for a start - where the court agreed that the costs were wholly reasonable.

Im one of the people who thinks the PPC's are barking up the wrtong tree - but RLP seem to have sorted out the legal side of things, and are quite happy to take you to court to justify the costs.

Anyone actually taken them to court - would be interesting to see their defence papers, and see what cases they site ?
emsgeorge is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 14th December 2007, 12:16   #67 (permalink)
Bookworm
Platinum Account Customer
 
Bookworm's Avatar
Default Re: T K Maxx and Retail Loss Prevention

Yes, but cases like Tesco v Kular are County Court proceedings = no legal precedent has been set. Therefore, each and every case would be judged on its own merit. While it may be the case that a judge will award their recovery costs to the company in cases of proven theft, I would think that:
a) that won't necessarily be the case where the offence hasn't been proven on the balance of probabilities.
b) that it doesn't give RLP blanket permission to charge what they want, when they want, to whoever they want. As I said elsewhere, imagine the racket that would ensue! Check every second person's bag on "suspicion", then charge them hundreds for the privilege!
__________________
Barclays: Won ~ NatWest: Won ~ Halifax (x2): Won ~ FNMF: Won ~ Barclaycard: Won ~ GHD: Won ~ Grattan: Won ~ GE Money: Won ~ Capital One: Won ~ Land of Leather: Won.

*

This wonderful site is being sued for libel.
If it doesn't get enough funds, it will have to close.


Help them help us, whether it's £1 or £1000.

Bookworm is online now  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 14th December 2007, 12:47   #68 (permalink)
MARTIN3030
Site Team
 
MARTIN3030's Avatar
Default Re: T K Maxx and Retail Loss Prevention

I wrote to TKM head office following the series of alleged incidents here,to ask them to explain their policies for these kinds of incidents and also if there are plans to improve their labelling systems.
To date they have not replied but I will let you know the response.I think they should be given the chance to give their side of the arguements,and fully substantiate their actions in the procedures they employ to deal with incidents we have been reading of.
__________________
Halifax ; First and easiest of the lot.
Royal Bank Scot; 1 done 1 stayed
Telewest Broadband.......Won ..after 2 bounced cheques and them running out of time.
Barclays Business;.1 won Round 2 limitation hearing.DEC 08
Citi Cards.Stayed;Stay lifted -hearing FEB09
Default removals;Rbs stayed
Virgin media; Judgement by default.
Vanquis;Looking for the hidden charges !
Swinton Insurance-LBA sent.

Please read up on posting.If in doubt-leave it out.


DONATIONS HELP US TO HELP YOU
However large or small all go to ensuring that the site can continue in its fight for consumers.You can make a donation by paypal here;http://www.consumeractiongroup.c o.uk/donate.html





Advice offered by MARTIN3030 is without predjudice and is for your judgement as to whether to take it.
You should seek the assistance or hire of a solicitor or other paid professional if in doubt ie; Cobbett Ltd.
MARTIN3030 is online now  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 14th December 2007, 13:02   #69 (permalink)
nitecard
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Nov 2007
Posts: 32
nitecard Novitiate
Default Re: T K Maxx and Retail Loss Prevention

We are losing sight of my original post - my partner did nothing more than peel back a sticker to reveal the previous price.

Kular was found guilty in a criminal court and then sucessfully sued for civil damages.

My partner is being accused by RLP of a criminal act for which she has NOT been charged.
nitecard is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 14th December 2007, 13:59   #70 (permalink)
Bookworm
Platinum Account Customer
 
Bookworm's Avatar
Default Re: T K Maxx and Retail Loss Prevention

I don't think we are losing sight at all, that is exactly the point I was making.
Bookworm is online now  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 14th December 2007, 14:01   #71 (permalink)
MARTIN3030
Site Team
 
MARTIN3030's Avatar
Default Re: T K Maxx and Retail Loss Prevention

Theres been lots of input to your thread from all sides nitecard.The general consensus is that RLP dont have a case from what you have said.Bookies post (61)....clearly answers the question.
If they do take it to court then its up to RLP to substantiate their demands are reasonable.
__________________
Halifax ; First and easiest of the lot.
Royal Bank Scot; 1 done 1 stayed
Telewest Broadband.......Won ..after 2 bounced cheques and them running out of time.
Barclays Business;.1 won Round 2 limitation hearing.DEC 08
Citi Cards.Stayed;Stay lifted -hearing FEB09
Default removals;Rbs stayed
Virgin media; Judgement by default.
Vanquis;Looking for the hidden charges !
Swinton Insurance-LBA sent.

Please read up on posting.If in doubt-leave it out.


DONATIONS HELP US TO HELP YOU
However large or small all go to ensuring that the site can continue in its fight for consumers.You can make a donation by paypal here;http://www.consumeractiongroup.c o.uk/donate.html





Advice offered by MARTIN3030 is without predjudice and is for your judgement as to whether to take it.
You should seek the assistance or hire of a solicitor or other paid professional if in doubt ie; Cobbett Ltd.
MARTIN3030 is online now  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 14th December 2007, 14:23   #72 (permalink)
Conniff
Platinum Account Customer
 
Conniff's Avatar
Default Re: T K Maxx and Retail Loss Prevention

Quote:
Originally Posted by Bookworm View Post
While it may be the case that a judge will award their recovery costs to the company in cases of proven theft, ......
That is the be all and end all words to this whole subject. No one can just send a bill through the post without proof and if they had this then they should also send that proof with the bill.
But they never will have proof unless a court has convicted them as a theft is not a theft until convicted, until then it is only 'alleged'.
Conniff is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 14th December 2007, 20:19   #73 (permalink)
GlasweJen
Platinum Account Customer
 
GlasweJen's Avatar
Default Re: T K Maxx and Retail Loss Prevention

EMSG, I can't say I agree with you, in the case you site Tesco is pursuing and not RLP for one thing and where RLP would be allowed to recover what is reasonable in the case of the OP TXMaxx have already got the price of the shoes plus the shoes back, there was no trespass as the OPs partner actually purchased other goods at the store and so had a valid reason to be there and RLP have sent her a fine for an unitemised amount.
GlasweJen is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 15th December 2007, 21:24   #74 (permalink)
emsgeorge
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jan 2007
Posts: 125
emsgeorge Novitiate
Default Re: T K Maxx and Retail Loss Prevention

And RLP should be able to justify its costs, the costs of TK Maxx, and the costs of the investigation - by providing some evidence.

When an alledged offender gets reported to RLP, a telephone call is made to them to report the case, followed up by a simple 2 page document, which details the offenders 'details'. On the second page, is a small box (about the size of a compliments slip) to write the detils of the incident in.

If RLP need further information, then they usually write to the store concerned (in this case TKM), and ask for either a full statement, cctv and supporting evidence etc.

If they dont return these documents, from what i have seen, then the case is dropped.

One of my original points though, is that peeling back, peeling off, pulling back etc etc a price label is technically Criminal Damage - there is a cost involved with having a member of staff to re price the item. You caused damage to an item that wasn't yours, incurring someone else a cost.

And yes, before anyone points it out - it is petty, but its an offence, to which they might decide to take action on..........

Whether TK / RLP go down this line is another thing!.
emsgeorge is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 15th December 2007, 21:44   #75 (permalink)
Bookworm
Platinum Account Customer
 
Bookworm's Avatar
Default Re: T K Maxx and Retail Loss Prevention

Quote:
it is petty, but its an offence
Says who? Last I checked, this can only be decided by a court of law.

Until they have been condemned, it is an alleged offence, and I don't believe that RLP or anyone can impose their costs on an alleged offender.

IF RLP think they have a case, and IF RLP decide to take it to court, and IF the courts agree that the person committed an offence, then yes, they can go and recover their costs. Before that, no, I don't think so, and I think any attempt to do so should be met with a firm "sod off, see you in court".
Bookworm is online now  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 15th December 2007, 21:57   #76 (permalink)
emsgeorge
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jan 2007
Posts: 125
emsgeorge Novitiate
Default Re: T K Maxx and Retail Loss Prevention

Of course Bookworm - you are right, and I forgot to pu