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    • Nothing will happen in regard to this one shoplifting event, other than Sainsburys won't let you shop in this store again.   But, if you continued to shoplift, then the consequences are more serious. Local to me, there  is a town where about 13 people have been banned from shopping in many of the shops. They are subject to some form of order, where if they set foot in any of the stores, they will be subject to arrest by Police.  
    • Agree with DX, Sadly, from the pics, it looks like you're bang to rights😪 The rules are very explicit. Before entering the box, you must ensure that you are able to completely exit. It looks like the car in front may have moved a couple of feet and tempted you to set off, but when you did that, there still wasn't enough room to completely exit the box. By all means ask to see the video evidence, but saying you had to stop because the vehicle in front stopped, isn't a valid defence.
    • Hello, welcome to CAG. I imagine the letter that the security guards talked about will be a letter from a company or lawyers who specialise in trying to extract money from shoplifters. I think Sainsbury's use DWF solicitors, otherwise it could be a company like RLP. It won't be a 'fine', only the police can do that. Look at this as a parallel 'justice' system that doesn't involve the plice. If you read around the forum for other cases of shoplifting, you'll get the idea of how this all works. If you think your behaviour has become compulsive, we suggest having a chat with your GP who should get you help for this. Best, HB
    • despite our wettest 18 months on record,  Low levels of rain and snow have cut Canada’s hydropower production, forcing it to increase electricity imports from the U.S.   - NYT
    • Hi all…. i was wondering if someone could help me. I am ashamed I have been caught shoplifting from Sainsbury’s by two undercover security guards who I suspect have been following me for a week now… I have been impulsively shoplifting due to what I think could have become an addiction of some kind. I am ashamed of what I had been doing and I do believe being caught has been for the greater good. i was taken to a room and asked to empty my bag, the guards were slightly rude but I complied with them politely as I know they are just doing their job and I am in the wrong. They retrieved my address, name, birthdate and took a photo of me, they asked me how many times I had shoplifted and I said twice and I didn’t want to be foolish and say just once. They issued me a letter of ban from the store and if I was caught in the store again the police would be called. They told me I would be paying 2x what I had stolen today as the goods had been damage which I am guessing is stole around £65 worth roughly. I did offer to pay for the items I had stolen on the day but they declined. They did not call the police but let me leave after claiming I was a lucky person. They told me to expect a letter in the post and that I “would be smart not to ignore it”  what should I be expecting in the post from them? I am aware from reading a lot online about security costs.. people mentioned to ignore these costs however as I had damaged the labelling on the goods should I still comply and pay the fines ?  kind regards awful shoplifter
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FFG V First Direct


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Just printed the letter to be sent tonight to First Direct giving them 14 days to agree to pay back what they charged me. Wish me luck...

 

Just out of curisioty those of you that have gone against FD did they create a lot of fuss or are they paying fairly quickly?

FD current acc. - £742.44

FD joint acc. - £494.09

 

Preliminary letter sent: 05.07.06

LAB letter sent: 21.07.06

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I'm sending this one: IS IT WRONG???:-o

 

[your address]

 

 

 

[their address]

 

 

[date]

 

 

Request for repayment of charges

 

Dear Sir/Madam,

 

ACCOUNT NUMBER: xxxxxxxxx

 

 

My request

I am writing to ask you to refund to me the charges which you have levied from my account over the last XXXX years.

I now understand that the regime of fees which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent consumer regulations. If you say that they are not, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your penalties really do reflect your costs.

Additionally, it has now been confirmed that your particularly high level of penalties are considered to be unfair per se by the OFT who reported on the 5th April 2006 and are therefore presumed to be unlawful in the absence of specific proof to the contrary.

 

etc, etc, etc

FD current acc. - £742.44

FD joint acc. - £494.09

 

Preliminary letter sent: 05.07.06

LAB letter sent: 21.07.06

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Nope the right one I think. ! Good luck sent mine the same yesterday. ! :D

Egg Data Protection Act Statements arrived. On hold.

 

Halifax - Moneyclaim £3100

 

Amex to Remove Default - acknowledged didn't issue correct documents - default removed :) . £135 paid in full without Court

 

I'm on a roll now :rolleyes:

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Got a letter from the bank saying they are sorry that I am unhappy but will reply to my query within 10 days... :) Let's see... will keep you all posted...

FD current acc. - £742.44

FD joint acc. - £494.09

 

Preliminary letter sent: 05.07.06

LAB letter sent: 21.07.06

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  • 2 weeks later...

Well no word from FD since the "we will reply to you within the next 10 working days".

 

Posted LBA today recorded delivery... see what happens next...

FD current acc. - £742.44

FD joint acc. - £494.09

 

Preliminary letter sent: 05.07.06

LAB letter sent: 21.07.06

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Got a letter from FD ofering me 1033 instead of my 1434...

 

I have already sent my LBA but feel I should aknowledge the letter from Mr Kernaghan...

 

I was thinking I could send an internal message through internet banking explaining that I have sent my LBA and will continue to court action unless they repay my charges in full, do you guys think this is ok?:?

FD current acc. - £742.44

FD joint acc. - £494.09

 

Preliminary letter sent: 05.07.06

LAB letter sent: 21.07.06

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Got a letter from FD ofering me 1033 instead of my 1434...

 

I have already sent my LBA but feel I should aknowledge the letter from Mr Kernaghan...

 

I was thinking I could send an internal message through internet banking explaining that I have sent my LBA and will continue to court action unless they repay my charges in full, do you guys think this is ok?:?

 

Did the 1434 include interest on your charges? You shouldn;t really calculate the interest unless you go through to the claims court. If the 1033 is the actual amount in charges, I'd accept. :tu:

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The 1434 only included the interest deemed to have been charged on the charges themselves..

 

URGENT HELP NEEDED... I have included on my schedule of charges arrangement fee, I have had a call from the bank saying that I cannot claim those back... is this true or has anyone else been able to recover these?

FD current acc. - £742.44

FD joint acc. - £494.09

 

Preliminary letter sent: 05.07.06

LAB letter sent: 21.07.06

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The 1434 only included the interest deemed to have been charged on the charges themselves..

 

The interest @ 8%? You shouldn't claim for that yet - not until you file a court claim.

 

URGENT HELP NEEDED...
I have included on my schedule of charges arrangement fee, I have had a call from the bank saying that I cannot claim those back... is this true or has anyone else been able to recover these?

 

Arrangement fees should not be included - only charges called overdraft or excess overdraft fees can be included fees - any interest on the authorised overdraft amount cannot be included.

 

On your statements, what are the descriptions of the charges you've claimed for?

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it wasn't the 8% it was the debit interest charged on the overdraft fees..

 

thank you for the reply... it just so happens that I included all these arrangement fees which means that my claim was seriously overstated...

 

This now means that the bank offer of £1033 is very close to the actual total I should have claimed of 1037.07...

 

I think it is a fair offer and am going to accept it... I can live with a loss of 4.07...

 

Thank you for your help

FD current acc. - £742.44

FD joint acc. - £494.09

 

Preliminary letter sent: 05.07.06

LAB letter sent: 21.07.06

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