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    • okay, perfect and thank you so much for the help once again. so firstly i am going to initiate the breathing space, during this time it's likely ill receive a default. when i receive the default are you aware of how long it will take for me to know whether the OC have sold it off to DCAs? Once it's with the DCAs i do not need to worry as they cannot issue a CCJ only the OCs can Even if i decide to come an arrangement with the DCAs no point as the default will remain for 6 years paid or not paid I should only consider repayment if the OC still won the debt and then issue a CCJ? Just to confirm the default will not be seen after 6 years? No one can tell I had one then after 6 years ill be all good?
    • I'm not sure we were on standard tariffs - I've uploaded as many proofs as I can for the ombudsman - ovo called last night uping the compensation to 100 from 50 pounds for the slip in customer service however they won't acknowledge the the problem them not acknowledging a fault has caused nor are they willing to remedy anything as they won't accept the meter or formula was wrong.   I'd appreciate more details on the economy 7 approach and I'll update the ombudsman with any information you can share. 
    • To re-iterate and highlight my urgent question on this one: The N24 from the court did not include any instructions to submit paperwork 28 days before the date, unlike the N157 received for other smaller claims. Do I have to submit a WS for this court date? Link has!...
    • No, reading the guidance online it says to wait for a letter from the court. Should I wait or submit the directions? BTW, I assume that the directions are a longer version of the particular of claim accompanied by evidence, correct?
    • Thanks for opening, it's been another rough year for my family and I've procastinated a little.. Due to the age of my defaults on this and other accounts (circa 2021), I really need to avoid a CCJ as that will be another 6 years of credit issues. Mediation failed as I played the 'not enough info to make a decision' however during the call for some reason they did offer settlement at 80%, I refused. this has been allocated to small claims track, court date is June 3 and I've received their WS. I'm starting on my WS. They do appear to have provided everything required of them (even if docs could be reconstructions). Not really sure what my argument is anymore but I do want to attend court and see this through. Should a judgement be made against me then I will clear the balance within 30 days and have the CCJ removed - this is still possible isn't it? I'm going to be reading up today and tomorrow and hope you can provide me some guidance in the meantime. Wonder what your advice would be given the documents they have provided? I am now in a position to clear the debt either by lump sum or a few large installments - Is this something i should look into at this late stage? Thanks as always in advance
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Hi,

 

Ashamed and embarrassed to even be writing this but I made a big mistake / choice a few days ago.

 

I was in Primark and was looking for Xmas gifts. I had one large item and 5 smaller items. As far as what I was thinking I really have no idea. I had several bags in my hands at the time and between queuing and paying 2 of the smaller items ended up in one of the bags I was carrying.

 

I didn't think anything of it as I was leaving the store as I genuinely just paid what they asked for, picked up my items and left. I was then called back by security who checked my bag and found the 2 small items (£1 each). I was then called back into the store and they took my details (on a form) and took a photocopy of my driving licence.

 

No police were called (can they be called retrospectively), no mention of a letter / charge / fine, nothing given to me by them at all. I was however banned from the store for a year and unsure whether this means my local store or all?

 

I have read through pretty much all threads and seen all the guidance to ignore any letters, I just wonder whether I will get any really.

 

I would really appreciate some guidance and advice specific to the above if you don't mind. Needless to say I will be a lot more careful and forthcoming in future. I feel terrible about the entire thing.

 

Any guidance appreciated.

 

Thanks

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Hi and welcome to CAG

 

Until we know more about what Primark and RLP will do in regard of whether you will get the begging letters or not depends on Primark. Personally, I wouldn't bother with a couple of quids worth when a store ban is punishment enough however, I can't see what goes on the minds of security.

 

It's a case of wait and see what happens. As they were not clear about the store ban, I would go into other branches and stay away from that one (or put on fake glasses and a funny nose)

 

No point really going over why you did it just don't do it again, mistake/choice or not

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Thanks for your response,

 

Appreciate it. I think my concerns are anything else appearing off the back of it i.e police, records etc for something I don't feel I did intentionally as such although I didn't come forward so I guess that is the same thing really!

 

Overall really ashamed and annoyed with myself but would just like some clarity on what people feel may happen so I can prepare for it I suppose.

 

Thanks again

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The police will NEVER become involved, especially for tiny amounts like this so don't worry about that at all. The only issue you 'may' have is if RLP contact you. You thn have to learn how to interpret letters into their true meaning but that's what we are here for.

 

Don't stress the small stuff

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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yea please do letter have a good laugh

we've seen them all before but their powerless drivel always makes us smile

 

if you browse a few like threads here

you'll see the exact letters you'll get

so will be able to not panic when you get them and scan them for us then use them for hamster bedding or alike.

 

dx

 

- - - Updated - - -

 

as for being banned. they don't circulate picture so just sty out of that store for a month or two.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Whilst I don't see RLP getting involved (due to the small amount) I am happy to be proved wrong and I absolutely welcome letters from RLP. Just reading them makes my day.

 

Before uploading, ensure that you remove all traces of your details and any reference numbers.

 

Life sucks at times (been there- got the T shirt) but this one should add 0.0000% to them. :madgrin:

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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what does 0% equal?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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it cant..don't get had

read our threads here on RLP CAREFULLY!!

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

PDF please so we can zoom

read upload

 

but that's a letter we have several exact copies of here already.

one of their STD templates

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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