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    • 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
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    • 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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Quinn V firstplus PPI


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recieved my SAR and have downloaded the spreadsheet and now trying t make sense of everything and prepare a claim. Though its not terribly straightforward as we havehad two loans with them and the paperwork isn't the most straight forward.

 

Anyone else taken on Firstplus for PPI? Its currnently all looking a bit daunting though i think thats down to the paperwork i'm trying to comprehend ;)

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Hi Quinnan :)

 

If you click on SEARCH just above and type in Firstplus, quite a few threads come up. You may glean some useful info and allies from some of them.

 

Good luck ;)

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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First Plus are terrible at providing you with detailed break downs of figures! Did they include settlement figures in your S.A.R - (Subject Access Request) for the first loan? Did you get one when you opend the second account?

 

If not, ring them (or write) and get them to send it to you - I rang them and they sent it out within a couple of days!

 

This settlement letter/summary is not as detailed as it could be (as I said, First Plus like to keep you in the dark!), but it has the numbers on there to work out what you are owed - It was the most usefull document for my claim.

------------------------------------------------------------

 

First Direct - Refund of Bank Charges...... **WON** (Offered full amount of £5200 2 days before court)

 

Amex - Refund of charges..... **WON** (£330 refunded without much fight)

 

First Plus PPI - **WON** (Full Refund of over £7000 + Interest)

Norton Finance - Owe me over £6000 for mis-sold PPI - Starting court action in the new year!

Barclaycard PPi - Ongoing (Being complete tos*ers!)

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there wasn't a settlement letter as such but i managed to work out what they had used from various other bits of paper they had sent. They didn't (surprise surprise) refund the PPI in full (was about £2,000 light nor did they refund the intrest paid on it).

 

Think i've got the figures sorted out, i'm pretty sure that there where some intrest rate changes during the term of the first loan which they haven't supplied. Though everything else is now in the CAG PPI calculator and it totals a rather staggering amount of money:eek:. Just need to double check it then formulate the letter for the claim and get that sent off this week :-D

 

Is best to go for statutory intrest or use the contractual rate (makes a differnce of about £4,000 to the claim - assuming i have done it right)?

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  • 4 weeks later...

Best of luck. When I reclaimed PPI from them for my friends (look at thread under my username) they actually calculated it themselves - but this was a few months ago now.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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