Hi Don't worry about what this is all about as you will send yourself mad! Sit down and get all your correspondence together and write yourself down some 'crib' notes so that you have it all there to hand. You are then prepared. An interview under caution is that You are NOT under arrest You are free to leave You are free to obtain legal representation What l would say is that if you don't take part they could use this to deny any claim. If you think this is a malicious allegation by your ex and you have anything to prove this then take it along, such as texts or reports to police. Don't worry it could just be routine. Cups

No not yet, l could never get them to answer my letters?? They still haven't done so??

Hi I used the above and got nowhere with it last year. It is a very simple form but the DJ ignored it!! I had proof that the agreement supplied to me was not mine, it had been faxed to a DCA four years prior to any time l had ever even applied for a credit card but that was ignored. The DCA didn't even have to explain to the court the date issue it was ignored! Courts don't like allegations being made so please be warned, only you know the issue at hand so good luck and fingers crossed!! Cups

Hi I am being a bit nosey but what have they done? I must have missed it but have they manufactured a new agreement or something??? I take it some docs have changed??? Cups

Good to hear Cabot getting it stuck to em!! Well done

Well done, but tell us what happened!!!!!!! Please

App despite the debt being one that is a CCA they are still claiming. I think the most difficult aspect is that we are often dealing with DJs that are experts in Divorce / Child and Family issues. DCA s often try to take the moral high ground and the judiciary fall for it l'm afraid!! Cups

Hi Do as l said, then block them so they go straight to SPAM. They have no legs to stand on. Cups

Hi Mark, If you have checked all of the e mails and there are no T and C's then send them a final e mail explaining that to them. Also tell them that any further e mails will constitute harassment as they have no right to these so called cancellation charges. Do not communicate with them again, put them in your junk folder ! They sound like a bunch of chancers! Cups

Yes l know about the Fraud Act, but the theft issue is easier to prove. All l was trying to point out to people is that changing the labels for a lesser is wrong. Even it is only a few pounds. I still think RLP practices are wrong. Cups

Hi I have read on here that people are getting caught changing the price of goods so that they get something cheaper than it is, sometimes only by a couple of pounds. This is still theft Anderton v Whish 1980 It states that by changing the price you are assuming the rights of the owner, and this is 'appropriation' for the purposes of the theft act. I want to add that l do not agree with RLP but we are getting what is the result of cuts to Policing, it really is that simple. RLP is wrong,,,, but if you have changed price tags then you have committed theft! You have completed a conscious act. I do not however suggest that anyone pays up to RLP. Just thought l would clarify a legal point. Cups

Hi I just want to point out that changing the price is actually theft, there is a stated case on this point. That aside, they should either call the police or forget about it, this whole RLP is a con and has no legality at all. Ignore them!! Cups

Hi They are effectively falsely imprisoning you. They have no legal right to detain you except where they call the police. I would say to anyone to refuse to go to a Security Office and stay in the middle of the store!! It will show their customers how badly they treat innocent people ! It is an outrage that they think this is right. If this ever happened to me then l would call the police there and then. I would seriously consider making an allegation of false imprisonment, keeping you 2 hours is not acceptable and not justified, as for powers of search and seizure they have none!! So taking your NI card and keeping a copy is again unacceptable. I would not pay any fine that they think that they can erroneously level at you, they chose to unlawfully imprison you. Cups

Yes, well said! Strictly speaking they get away with everything they do that is unfair and no one takes any action. I thought one of the first principles of data was that it was current and had 'provenance', some holders of data never update it regularly because it costs them. To my mind if you put data on someone's file you should have to keep it up to date, and if you search you should have a valid reason not just 'fishing' !!! Rant over!

Never a more true word said!! I have a CO but they are trying to claim contractual interest, it is a nightmare, and judges rarely help or care!!

Ask the police for a copy of the crime report, they wouldn't send round a Scene Examiner for forensics if they thought you were lying . Burglary is clearly someone enters as a trespasser, there is no requirement in law for force or violence to be used to gain entry for the offence of burglary. I suppose the breaking of a window is too late, always to remember to break it from the outside though!! Seems to me you may need a new insurer if they continue to be obstructive. Cups

About the PPI, l am going to contact the OC but is there a 6 year limit on claims for this?? Also the OC never fully complied with my SAR request and in the weeks prior to trial they supplied TBI with docs l had never seen before. Also when l questioned the OC about the new agreement that was used in the trial, which was a reconstruction and had my name and address crudely written on it by the hand of the solicitor from TBI the OC said they had no knowledge of what they had reconstructed. I bought this up at the trial but it just got ignored!! But l do have some 'interview' experience and l can tell when someone is caught in the headlights!! I am going to ask the OC to provide me with a copy of a blank agreement to see what it looks like! I am also seeing my MP v soon and l am going to. show him what is going on with the CCA. I want to move on but at the same time l can't let the clear injustice of what is happening prevail !

Thanks l will try that tmrw. Sorry l have not replied sooner but could not find my thread. Cups

Hi I have looked at that link, am l missing something?? I have looked at my own case and l think because it is a CCJ for over £5000 then they can charge this interest. The t and c l have make no mention of post CCJ interest , so l am concerned. Cups

Thanks CB

All it says is ' and any interest due' There is nothing that l can see that shows in the 'agreement' that they can claim post judgement interest. They also say that they have sent me details for a standing order to be set up, l asked for these details 2 months ago. I think they are trying to stall me and maybe go for a sale order. I do not trust them at all!

Does anyone have any ideas??

Hi JCV What has happened with this, as TBI are charging e interest as well? Cups

Hi Further to the above l have looked at what l have from them and cannot see where it says that they can add interest after judgement. My understanding is that a judgement within the CCA cannot have interest added, or have l gone mad. Is the court allowe to do this? Seems they allowed an agreement that l never signed to go through? Any ideas? Cups

Hi Got all the costs etc added against me and also interest can be added. Haven't heard anything from them even though l have been sending payments etc. They state in their latest letter that the new amount of interest month is more than l am paying and that if l cannot pay more then they will take more action against me?? I am stunned to be honest, a £5000 debt has home to £18000, l have had to pay all the court costs and now they want to add nearly another grand a year to the bill. I was sure that interest could not be added to the sum of the judgement?? Am l right?? It seems like they now want to make me homeless and jobless as well. Lovely people!