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    • Hello, welcome to CAG. I've moved your thread to our shoplifting forum for advice on this. I've also edited the title a bit, please let me know if I've misunderstood what you meant. Best, HB
    • I received a letter this morning from advantis acting on behalf of HMRC for a tax credit overpayment.. I am going to call them on Monday to set up a payment plan but am worried sick it’s going to show up on my credit file.. does anyone know if it will show now that hmrc are using them? 
    • I'm going to check the measurement units today as I feel this could well be happening otherwise I can't understand how the bill can be so high even when nobody there living sometimes. 
    • Totally stupid mistake struggling with money with 2 young kids no excuses so I won't bother justifying  just feeling deep regret and absolute fear for what happens next. Sincere moments of madness opportunistic and absolutely stupid Caught shoplifting from sainburies by and shop lifting plain clothed detective (penut butter almond milk chia seeds and nuts ) I only took 3 to 4 items from sainbries listed above  First time I did it In saisburies i have never done it before   Was given a letter banning me took details but no photo taken  I also had on me food items from mns that the store detianed at the same time as they wouldn't let me leave without showing a receipt as they said I would have stole those too (they werent wrong) . I have been to mns a few times in the last month and done a similar thing always general food shop  So I left the sainbries store when he let me go and left all the goods there mns.and sainsburies and did not return.  M&s and sainsbries are on the same high street   Questions  Was not caught by m&s will sainsburies share my info and will m&s be in touch? Presume they can check cctv of the time sainsburies detained me and probably find it  No police called when at sainburies  Scared that mns will also ban me after the event  or worse check cctv and have my details and pass to police to investigate  I am mortified at what I've done the detective did not mention anything about further letters / police or anything more other than taking my details and giving me a banning letter  My fear is they have told MNS and now MNS will investigate aswell they may have their own footage etc...and go further than sainsburies did at that time  Mns goods was fruit veg chicken cheese basically all food items  Advise please what could I be facing 😭
    • I think it would be very sad if young people were denied the opportunity to do this. Little England strikes again.
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k65 v nationwide ccs and charles howard


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i closed an account at nationwide in 2003/4 now theres 500 quid charges on it.

i S.A.R - (Subject Access Request)'d nw and recieved a a4 sheet of paper showing the charges nothing more as this cost me ten quid i have now complained to the Information Commissioners Office to get the proper paperwork.

i have been getting hassle from the monkeys at ccs and i have had some fun playing with them on the phone,but today recieved a very nice letter from charles howard and partners since 1975, so i sent them a nice letter

 

 

Charles Howard and partners (ccs collections)

2nd Floor, 797 London Road,

Thornton Heath,

Surrey,

CR7 6YY

 

Your ref ooooo 03/10/07

 

Dear Sir.

I acknowledge receipt of your letter dated 2 October 2007 and submit this letter by return.

Firstly although I am aware you are part of ccs debt collection who have treated me most rudely and aggressively and will receive the same in return, however I am prepared to discuss this issue with you by way of letter unfortunately for you there will be no different outcome.

I will explain to you in as much detail, my position on this matter and allow you to make any decision you feel necessary, but I will not pay you, ccs or nationwide one single penny for the reasons I will explain.

 

Firstly

This account is in dispute and has been for several years as the charges were levied on the account after it was closed therefore, as this account was in dispute when it was sold/assigned to you, I understand that neither you, nor the original provider, should be pursuing me, or perhaps you would clarify under which legal grounds you feel you are acting in continuing to pursue.

Secondly

On the 28th April 2007 I wrote to Nationwide and requested statements and information held with regards to the data protection act, (copy enclosed) and stated if I discover that they have levied disproportionate penalties against me, then I shall be reclaiming them, and also reclaiming the enclosed £10 Data Protection Act subject access request fee.

This was responded to with a single a4 sheet of paper listing charges totaling £0000 (copy enclosed) this is not complying with the data protection act and on the 24th June 2007 I wrote to Nationwide giving them 7 days for them to send the required information,(copy enclosed) unfortunately I failed to keep to my time limit and have since filed a formal complaint to the Information Commissioner’s Office with regards Nationwide, together with a formal complaint against ccs to the trading standards with a copy of this letter at their local office

 

Trading Standards

Mid Surrey Area Office

Bay Tree Avenue

Kingston Road

Leatherhead

Surrey, KT22 7SY

As you should not be pursuing a disputed debt.

 

Thirdly

Take notice I will vigorously defend any court claim you may decide to take, with a counter claim for £0000 plus subject access request fee £10.00 plus costs.

 

Therefore I would like to give you the opportunity to do the right thing and send this account back to your client and inform them it is against the law for you to pursue this debt, as I’m sure you know.

Furthermore please make it known to the telephone monkeys, that I record all my calls both incoming at outgoing and I will keep records of all text messages sent, as evidence of harassment should you fail to comply with my request.

When I receive the paperwork from nationwide, as I’m positive I will now I have complained to the Information Commissioner’s Office. I will contact them direct and offer them the chance to close the account with a nil balance, should they fail, I will complain to the Financial Services Authority and the Banking Ombudsman, and action through the court if necessary to recover the disproportionate charges.

 

I hope with the information supplied, you will see, this is not a case with which you will see any success and your time would be better spent hounding some weaker member of society.

Yours sincerely,

K65 since 1965 posted 04/10/07 recorded delivery number DL00000000000B

 

lets see what they say

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Charles Howard and partners (ccs collections)

2nd Floor, 797 London Road,

Thornton Heath,

Surrey,

CR7 6YY

Your ref ooooo 03/10/07

Dear Sir.

I acknowledge receipt of your letter dated 2 October 2007 and submit this letter by return.

Firstly although I am aware you are part of ccs debt collection who have treated me most rudely and aggressively and will receive the same in return, however I am prepared to discuss this issue with you by way of letter unfortunately for you there will be no different outcome.

I will explain to you in as much detail, my position on this matter and allow you to make any decision you feel necessary, but I will not pay you, ccs or nationwide one single penny for the reasons I will explain.

Firstly

This account is in dispute and has been for several years as the charges were levied on the account after it was closed therefore, as this account was in dispute when it was sold/assigned to you, I understand that neither you, nor the original provider, should be pursuing me, or perhaps you would clarify under which legal grounds you feel you are acting in continuing to pursue.

Secondly

On the 28th April 2007 I wrote to Nationwide and requested statements and information held with regards to the data protection act, (copy enclosed) and stated if I discover that they have levied disproportionate penalties against me, then I shall be reclaiming them, and also reclaiming the enclosed £10 Data Protection Act subject access request fee.

This was responded to with a single a4 sheet of paper listing charges totaling £0000 (copy enclosed) this is not complying with the data protection act and on the 24th June 2007 I wrote to Nationwide giving them 7 days for them to send the required information,(copy enclosed) unfortunately I failed to keep to my time limit and have since filed a formal complaint to the Information Commissioner’s Office with regards Nationwide, together with a formal complaint against ccs to the trading standards with a copy of this letter at their local office

Trading Standards

Mid Surrey Area Office

Bay Tree Avenue

Kingston Road

Leatherhead

Surrey, KT22 7SY

As you should not be pursuing a disputed debt.

Thirdly

Take notice I will vigorously defend any court claim you may decide to take, with a counter claim for £0000 plus subject access request fee £10.00 plus costs.

Therefore I would like to give you the opportunity to do the right thing and send this account back to your client and inform them it is against the law for you to pursue this debt, as I’m sure you know.

Furthermore please make it known to the telephone monkeys, that I record all my calls both incoming at outgoing and I will keep records of all text messages sent, as evidence of harassment should you fail to comply with my request.

When I receive the paperwork from nationwide, as I’m positive I will now I have complained to the Information Commissioner’s Office. I will contact them direct and offer them the chance to close the account with a nil balance, should they fail, I will complain to the Financial Services Authority and the Banking Ombudsman, and action through the court if necessary to recover the disproportionate charges.

I hope with the information supplied, you will see, this is not a case with which you will see any success and your time would be better spent hounding some weaker member of society.

Yours sincerely,

K65 since 1965 posted 04/10/07 recorded delivery number DL00000000000B

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