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    • If anybody has any advice here, it would be greatly appreciated, I already suffer with pre-existing disabilities & have struggled with this so far. 
    • so return of goods order etc etc read upload  scan pages to jpg, redact in mspaint. the convert to and merge to one mass PDF  read upload and use the online listed sites for all 3 stages. do you want to keep the car? i will guess this was a manual paper claimform direct from the co.court or was it org sent from salford bulk processing and has just got reaq ssigned?      
    • Speaking of the reformatory boys, here they are with all of their supporters, some of whom traveled with them from miles away, all carefully crammed together and photographed to look like there were more than about 80 .. rather like Farages last rally with even fewer people crammed around what looked like an ice cream van or mobile tea bar ... Although a number in the crowd apparently thought they were at a vintage car rally as they appeared to be chanting 'crank-her'. A vintage Bentley must be out of view.   Is this all there is? Its less than the Tory candidate. - shut up and smile while they get a camera angle that looks better
    • in order for us to help you we require the following information:- Which Court have you received the claim from ? Canterbury Name of the Claimant ? Moneybarn No 1   How many defendant's  joint or self ? One Date of issue –  29/05/24 Acknowledged by 14/06/24  Defence by 29/06/24  Particulars of Claim PARTICULARS OF CLAIM 1.  By a Conditional Sale Agreement in writing made on 25th August 2022. Between the Claimant and Defendant, the Claimant let to the Defendant on Conditional Sale. A Ford Ranger 3.2 TDCi (200 P S) 4x4 Wildtrack Double Cab Pickup 3200cc (Sep.2015) Registration No, ******* Chassis number ***************** (“The Vehicle”).  A copy of the agreement is attached  2.  The price of the goods was £15,995.00. The Initial Rental was £8500.00.  The total charge for credit was £3575.;17 And the balance of £11,070.17 was payable by 59 equal consecutive monthly instalments of £187 63. payable on the 25th of each month. 3.  The following were expressed conditions of the set agreement, Clause 8: Our Right to End this Agreement  8.1   Subject to sending you the notice as required by law, any of the following events will entitle us to end this Agreement: 8.1.2  You fail to pay the advance payment (if any) or any of the payments as specified on the front page of this agreement or any other sum payable under this Agreement. 8.1.3 If any of the information you have given us before entering into this Agreement or during the term of this Agreement was false 8.1.4 We consider, acting reasonably, that the goods may be in jeopardy or that our rights in the goods may otherwise be prejudiced. 8.1.5 If you die 8.1.6 If a bankruptcy petition is presented against you; if you petition for your own bankruptcy, or make a live arrangement with your creditors or call a meeting of them. 8. 1.7 If in Scotland, you become insolvent or sequestration or a receiver, judicial factor or trustee to be appointed over any of your estate, or effects or suffer an arrestment, charge attachment or other diligence to be issued or levied on any of your estate or effects or suffer any exercise, or threatened exercise of landlords hype hypothec 8.1.8 If you are a partnership, you are dissolved 8.1.9 If the goods are destroyed, lost, stolen and/or treated by the insurer as a total loss in response to an insurance claim. 8.1.10 If we reasonably believe any payment made to us in respect of this Agreement is a proceed of crime. 8.1.11 If steps are taken by us to terminate any other agreement which you have entered into with us. Clause 9.  Effect of Us Terminating Agreement 9.1 If this Agreement terminates under clause 8 the following will apply 9.1.1 Subject to the rights given to you by law, you will no longer be entitled to possession of the goods and must return them to us to an address as we may reasonably specify, (removing or commencing the removal of any cherished plates) together with a V5 registration certificate, both sets of keys and a service record book. If you are unable or unwilling to return the goods to us then we shall collect the goods and we'll charge you in accordance with clause 10.3 9.1.2 We will be entitled to immediate payment from you for all payments and all other sums do under this agreement at the date of termination 9.1.3 We will sell the goods or public sale at the earliest opportunity once the goods are in a reasonable condition which includes a return of the items listed in clause 7.1.4 9.1.4 We will be entitled to immediate payment from you of the rest of the Total Amount Payable under this agreement less: ( a) A rebate for early settlement ias required by law which will be calculated and notified to you at the time of payment (b) The proceeds of sale of the goods (if any) after deduction of all costs associated with finding you and/or the goods, recovery, refurbishment and repair. Insurance, storage, sale, agents fees, cherished plate removal, replacement keys, costs associated with obtaining service history for the goods and in relation to obtaining a duplicate V5 registration certificate 4, The following are particulars required by Civil Procedure Rules. Rule 7.9 as set out in 7.1 and 7.2 of the associated Practice Direction entitled Hire Purchase Claims:- a)     The agreement is dated 25 August 2022. And is between Moneybarn No1 Limited  and xxxxxxxxx under agreement  number xxxxxx. b)    The claimant was one of the original parties to the agreement. c)    The agreement is regulated under the Consumer Credit Act 1974. d)    The goods claimed Ford Ranger 3.2 TDCi ( 200 PS) 4x4 Wildtrack Double Cab Pickup 3200 cc (Sep2015} Registration No ^^^^^^^ Chassis number ***************** e)     The total price of the goods £19570 f)     The paid up sum £1206 5 g)    The unpaid balance of the total price £7505 (to include charges) h)    A default notice was sent to the defendant on 20th February 2024 by First class post i)      The date when the right to demand delivery of the goods accrued 14 March 2024 j)      The amount if any claimed as an alternative to delivery of the goods 7505 22 include charges 5.  At the date of service of the notice the instalments were £562.89 in arrears. 6. By reason of the Termination of the Agreement by the notice, defendant became liable to pay the sum of £7502 7. The date of maturity the agreement is 24th August 2027. 8. Further or alternative by reasons of  the Defendant breaches of the agreement by failing to pay the said instalments, the Defendant evinced an intention no longer to be bound by the Agreement and repudiated it by the said Notice the claimant accepted that repudiation 9. By reason of such repudiation the claimant has suffered loss and damage. Total amount payable £19570 Less sum paid or in arrears by the date of repudiation £12064 97 Balance £7505 (to include charges.) ( The claimant will give credit if necessary for the value of the vehicle if recovered.)  The claimant therefore claims 1.    An order for delivery up of the vehicle 2.    The MoneyClaim to be adjourned generally with liberty to restore,  Upon restoration of the MoneyClaim following return or loss of the vehicle. the Claimant will ensure the pre action protocol for debt claims is followed. 3.    Pursuant to s 90 (1)  of the Consumer Credit Act 1974. An order that the Claimant and/or its agents may enter any premises in which the vehicle is situated in order to recover the vehicle should it not be returned by the Defendant 4.    further or alternatively damages 5.    costs Statement of truth The Claimant believes that the facts stated in these Particulars of Claim are true. The Claimant understands that the proceedings for contempt of court may be brought against anyone who makes or causes to be made a false statement in the document for verified by statement of truth without an honest belief in its truth. I am duly Authorised by the Claimant to sign these Particulars of Claim signed Dated 17th of April 2024  What is the total value of the claim? 7502   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No   Never heard of this   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? n/a Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? No   When did you enter into the original agreement before or after April 2007 ? After  Do you recall how you entered into the agreement...On line /In branch/By post ? In a garage  Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes  Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Original Were you aware the account had been assigned – did you receive a Notice of Assignment? n/a   Did you receive a Default Notice from the original creditor? They said sent but nor received   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? None seen   Why did you cease payments? Still Paying,   What was the date of your last payment? Yesterday  31st May 2024   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes on 12 Feb 2024   What you need to do now.   Can't scan, will do via another means as you cant have jpg  
    • Now that is an interesting article which adds afew perspective that I hadn't thought significant - but on reflection of the perspectives offered ... Now Starmer is no Blair, however 'blairite he may be perceived, but the Tories aren't tories and aren't even remotely liberal   The fast 'unannounced and unexpected election call from sunack may well be explained by the opinion linked that he hoped reform would be unprepared and effectively call a chunk of Farages largely empty bluster - making him look even more of a prat, leave scope for attacks on shabby reform candidates and mimimise core vote losses to reform - while throwing the 'middle ground' (relative) tories TO THE DOGS - and with the added bonus of likely pacifying his missu' desire to jogg off to sunny cal tout suite somewhat   thumb in the air - I expect about 140ish tory seats, but can hope for under a hundred Reform - got to admit the outside possibility of 1, maybe 2 seats with about 8% of the vote - but unlikely. I think projections of over 10% of the vote for reform is nudged and paid for speculation - but possible with the expected massive drives from Russian, Chinese and far right social media bot and troll prods targeting the gullible.
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Lets get together & mount a concerted campaign against RLP


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How did I know you was going to say that ?

You are a very seasoned observer ;)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Lets get together & mount a concerted campaign against RLP ?

 

 

I don't see an awful lot of getting together being encouraged in this thread.

 

Yes it is - for reasons that will eventually become apparent it's just not yet on the forum:wink:

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Yes we are aware of this I can confirm.

We are also aware that we have visitors in this forum who clearly have a VERY vested interest in whats being discussed-I dont think it needs to be spelled out !

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hmn I am stuck for words.

 

Spying is a traditional word bookie.....these days we call it something else.

In the days of Blunt and Co they were protecting national interests-these days its a bit more simple.

Although Putin was a little over protective when he paid Smokie 11 grand for a 45 minute gig in his Kremlin Pad.

Spying to me always flags up KGB......RLP have nothing in common to Vlads ancestors....with the little exception that on account of some of their activities one can be forgiven for excluding the power of Russian Vodka in a means to an end.

I think you know what I mean.;)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I recently had a read through the employee codes of conduct for Advantage Boots and nowhere did I find any mention of an employee being responsible for the costs of any investigation.

If the companies themselves are not aware of the full extent of whats going on-then that only leaves the security staff and RLP.

The question remains-who benefits when RLP issue a demand to victims ?

Where does the money go ?

What proportion goes to the client ?

Does any of it go to the Security staff ?

 

These are questions we need answers to.

 

This is a very pertinent post.

 

I do believe that if there ARE people in these retail establishments who care about the image of their company,they have no idea how rlp operate.Several years ago many companies got rid of their own security staff to replace them with (cheaper) contractors,and once this happened the communication broke down.Tk maxx is on of the exceptions as they employ their own security staff but have difficulty keeping them as they are a strange target-driven company (American?)

 

Where does the money go?It has struck me recently that there is so much secrecy around this issue? Why? I have a nasty suspicion ,and from what I have heard,that the retailers are allegedly getting virtually none-rlp are allegedly raking in the majority-but they are keeping it very quiet.It's very hard to find out where it goes-I hope you find out.

 

I can tell you that none of the money goes to the security staff. I can also tell you most decent security staff would be horrified that young people etc and those not found guilty were being treated in this way-most of them just fill in the form-THEN they never hear anything back again-they wouldn't know if the money had been recovered or not,or even if their was any dispute. However there is a large body of poorly trained low -paid staff in that industry-so if you pay peanuts..

 

I also know that,for example,where there is a company with several branches,the money often disappears into the coffers of the head office,it doesn't even get distributed back to the stores who issued the notices.It's all kept hush-hush,but why?

Edited by shanty
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Yes I think without doubt your comments are a fair account.

Lets put ourselves for one moment in the seat of the Clients.

IF someone came to you and said....ok we will take care of your shoplifters,and anyone who comes into your place with intentions to rip you off....The first question you would ask is - sounds good whats the catch and how much is it gonna cost me ?

 

The next question you would ask is-whats your cred ?

RLP have quite a respectable portfolio in that most if not all of their clients are household names.

Who would question that ?

 

 

My understanding is that RLP are working on a no win no fee criteria which of course benefits the client since they dont have anything to lose.

 

For me-alarm bells first started to ring when it became obvious that the client and RLP were not in any sync.

I would go as far as to say that in many cases the client is totally oblivious to RLPs follow ups of incidents.

Hence their discord at the people they caution having any contact of redress with the store owners themselves.

 

If it were the case that this assumption was wrong,why do they insist that it is out of the hands of their clients and so you have to deal exclusively with them ?

 

If I employed a security guard to watch my house and something happened-I would want to know about it and certainly have a say.

 

I rest my case.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Shanty in the main I agree - my problem is that this phenomenon has suddenly taken place so there must be a reason - we never heard of kids being detained or even accused of theft for testing mousse - what's the reason - IMHO as it always involves overzealous security staff it can only be financial otherwise what is their reward are they just being vindictive for the sake of it

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Yes I think without doubt your comments are a fair account.

Lets put ourselves for one moment in the seat of the Clients.

IF someone came to you and said....ok we will take care of your shoplifters,and anyone who comes into your place with intentions to rip you off....The first question you would ask is - sounds good whats the catch and how much is it gonna cost me ?

 

The next question you would ask is-whats your cred ?

RLP have quite a respectable portfolio in that most if not all of their clients are household names.

Who would question that ?

 

 

My understanding is that RLP are working on a no win no fee criteria which of course benefits the client since they dont have anything to lose.

 

For me-alarm bells first started to ring when it became obvious that the client and RLP were not in any sync.

I would go as far as to say that in many cases the client is totally oblivious to RLPs follow ups of incidents.

Hence their discord at the people they caution having any contact of redress with the store owners themselves.

 

If it were the case that this assumption was wrong,why do they insist that it is out of the hands of their clients and so you have to deal exclusively with them ?

 

If I employed a security guard to watch my house and something happened-I would want to know about it and certainly have a say.

 

I rest my case.

 

If I understand what you are saying correctly,the answer is this.

 

Security issues in shops can be very problematic, because you are arresting lawbreakers,majority of them hard drug users (and generally speaking it's pointless serving civil recovery on drug addicts).Already you have ruled out collecting revenue back from the majority of your "customers",they are at least 80% of shoplifters caught i would guess,in many areas,if not much more.

 

It is easier for a store to hand over the responsibility to a contract company and say "you deal with security staff that get injured on duty","you deal with false arrest,we would rather not be associated with them,"and we can just ask for the rogue member of staff not to return to our premesis (you can't do that with your own staff that easily).

On the whole the stores just don't wat the hassle,then there are the Accountants who run these places.

 

They look at the facts "RLP,they will recover money for you,at no cost".

 

What you say about credibility,its very valid,but the Heads of these stores are told (I am assuming),"Your security staff fill in the forms,and if there is any doubt,our legal experts will "pull" the claim".

 

Of course,who wouldn't trust legal experts?

Surely they would not pursue anything unfair?

Surely they would follow the same model as the stores when dealing with potentially embarrassing situations?

 

Well,no they don't .but the stores have not woken up to that yet.

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Shanty in the main I agree - my problem is that this phenomenon has suddenly taken place so there must be a reason - we never heard of kids being detained or even accused of theft for testing mousse - what's the reason - IMHO as it always involves overzealous security staff it can only be financial otherwise what is their reward are they just being vindictive for the sake of it

 

No,jonchris ,trust me,this has being going on for years,it just gets covered up-most people are too embarassed to complain,or kids just too afraid of what their parents will say to tell them ( as a parent,you should understand that!!)

 

I have a lot of experience in this area,and the incompetance and unprofessionalism of security staff is shocking.Some are good,but the skill is a dying art.

 

They won't be meaning to be vindictive,they are NOT vindictive,they are just so immersed in their job they forget to use common sense-in fact many don't have it.If someone is barely being paid £6 an hour,and joins a company( being told they will " get training ",)but gets "on-the -job training " ,ie no training,and has to deal with people threatening them with syringes,maybe knives,and their company doesn't even bother to advise them they should get a vaccination for hepitits,because their job is risky.......£6 an hour max...... 48 maybe 60 hours a week-would you do it?

 

The job can be very boring if you are incompetant,so they seize on any opportunity because they are not capable of catching real criminals.

 

Also,when people don't know the law,they can be scared they will get a criminal record,so don't dare to question what they see as "Authority".It makes me mad though.I hate unfairness.I wish companies would take security seriously.but it is the "poor relation".

 

Some of these complaints are as we know from people who have been shoplifting and ARE professional thieves and are looking to get out of paying money to RLP,and I personally have changed my attitude to this. If what RLp are doing is not legal-they NEED to be stopped.That does not change the fact that people who steal can be vicious, violent,lie,cheat,play the "race" card,play the "old " card",play the "pregnant" " ill" " "disabled" or etc etc.On the internet they appear so innocent.Many people who steal do so for a reason-gambling,alcohol,drugs,a few ,very few for illness,and several mitigating circumstances spring to mind, generally,they are incredibly devious people.There are mistakes,and very many incompetant security staff.

Edited by shanty
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If I understand what you are saying correctly,the answer is this.

 

Security issues in shops can be very problematic, because you are arresting lawbreakers,majority of them hard drug users (and generally speaking it's pointless serving civil recovery on drug addicts).Already you have ruled out collecting revenue back from the majority of your "customers",they are at least 80% of shoplifters caught i would guess,in many areas,if not much more.

 

It is easier for a store to hand over the responsibility to a contract company and say "you deal with security staff that get injured on duty","you deal with false arrest,we would rather not be associated with them,"and we can just ask for the rogue member of staff not to return to our premesis (you can't do that with your own staff that easily).

On the whole the stores just don't wat the hassle,then there are the Accountants who run these places.

 

They look at the facts "RLP,they will recover money for you,at no cost".

 

What you say about credibility,its very valid,but the Heads of these stores are told (I am assuming),"Your security staff fill in the forms,and if there is any doubt,our legal experts will "pull" the claim".

 

Of course,who wouldn't trust legal experts?

Surely they would not pursue anything unfair?

Surely they would follow the same model as the stores when dealing with potentially embarrassing situations?

 

Well,no they don't .but the stores have not woken up to that yet.

 

Again I'm not saying your wrong 'the manager doesn't know' but don't these managers read the papers - aren't these managers contacted by the press as in the case of the 14 year old which made the press - or the case of the 16 year old who's story also made the press:confused:

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