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    • Let me start by saying I feel tremendous regret, shame and remorse. I have some debt and personal life has fallen apart over the last year which has caused me to be careless. Doesn’t make it okay I know. In a positive way, i will never take anything in life for granted ever again. I want to volunteer and go back to being a good person. I need some advice/reassurance on the below so I can move on better from this experience. A few days ago I was caught at sainsburys, I paid for part of the food (about £5) and didn’t pay for the other (about £8-10) at self checkout. when I got to the exit someone in plain clothes asked to see my receipt and bag and that they worked for mitie. I told him the receipt was in the store bin (true) and he said he followed me round and knows I didn’t pay for all of it. he very sternly but calmly said he just needs my name then I can leave with the shopping. I said i am in a bad day and can’t do this and was on the verge of breaking down. So I handed him the shopping and slowly walked out. No name given (I read elsewhere this is good and makes it unlikely to develop) and I have no way knowing if police contacted. I overthink a lot and I wonder if they can track me via debit card or nectar card on the transaction. I also wonder if they saw me do it last month and have been waiting for me. I know someone who works at their head office and terrified somehow it will get back. I’m also terrified of being recognised in the street.    I don’t know what’s going to happen. I see a lot in the news today about shoplifting 
    • Hi, I’ve just spotted an Arrangement to Pay marker (TransUnion) on my Barclays Mortgage account for 1 month in March 2022. I’ve spoken to Barclays Customer Service and Complaints about this and they’ve given me some background but have closed my complaint: Direct Debit for mortgage bounced in February and I didn’t notice this at the time. Realised there were arrears in March and called customer service straight away. Offered to pay half the arrears on the call with the other half of the arrears the following month. I prob suggested or accepted this as had done that many years previously when I was a poor student with no adverse consequences. Paid in accordance with this. Barclays call notes report they informed me credit reference agencies would be notified and I indicated I understood. However, complaints team couldn’t access the call because it was too old. They advised I could request a transcript through GDPR and complain via ombudsman if still unhappy - I’ll process the GDPR request this week. Whilst it may be factual that I entered into some kind of arrangement regarding the arrears, it wasn’t clear to me that they would be treating it and reporting it as a formal payment plan along with the potential consequences of this. At no point did I agree to or request to “reducing my contractual payments” - I paid my contractual amount for March and April with 50% more on top. I guess it’s likely they did say something vague about credit reference agencies and it’s also possible that I may have agreed without fully understanding it would be different to a late payment marker. I’m not 100% sure of the impact of the AP but I believe it did tighten up balance transfer and new card offers (Lloyds group in particular) even though the rest of my report is spotless and I have many years managing multiple high balance cards. Although it may have been less comfortable, I also believe I had the means to pay the balance in full if I’d realised the impact at the time. Finally, it feels like Ive been penalised for speaking to customer services directly rather than just upping my payments to cover the arrears. Historically, I was under the impression that Barclays mortgages weren’t even reporting arrears of less than 2-3 months as late payments - although this may have changed since the last time I was in arrears. I’ve had a browse through threads about AP markers and it seems like removal is unlikely if it’s deemed factual but it may be worthwhile escalating to FOS or ICO? Will update with transcript details once I’ve raised and received a response to my request. I suppose the upside of this is that I’ll be even more cautious about negative markers in the future. Thanks, J
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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need urgent help!!


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icon1.gif Help required urgently

To cut a long story short i got a debt from council for overpayment of housing benefit in 2006 relating back to 2002-2005 , bill was for £14,000. was brought about after long illness where i declared part time work ( all above order) then it transpired in 2005 by accident that said employer hadnt been declaring half his staff, i was one of those,council took me to court for declaring work they say i wasnt working as employer denied all knowledge of me to protect himself. I lost and got criminal record and bill for 14k.THe whole case was extremely distressing and i very nearly committed suicide with the stress.

The criminal record has kept me out of employment, have found it impossible to get work so after being constantly hounded by council i moved abroad in 2006 to live with a relative .

IVe now just had a threat of county court judgement etc unless i pay within 7 days, the address used is a friends p o box overseas.

IM still jobless and have no assets or income of any sorts, what do i do now? worried they can drag me back to uk, can they? what do i do?

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I am trying to understand

 

You were claiming housing Benefit and declaring part-time work.

 

Your employer told everyone that you were not working so he did not pay you - presumably you never got any payslips then.

 

You got done for receiving too much housing Benefit because you were not working because employer denies all knowledge of you. Surely that would mean that you should have had more HB?

 

So how did you get a criminal record? Were you done for colluding with your employer to defraud the HMRC? or for misdeclaring/overdeclaring your income for HB?

 

I think you need to speak to a UK lawyer fast.

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there wasnt an overpayment as i was earning less than jsa from declared part time work, i got paid weekly cash in brown wage packets which is what was given to council for housing claim, no problem.

The problem arose a few years later when asked if he (employer) had employed me he produced a computerised payslip supposedly that his staff get monthly, i dont doubt they dont get them but some of us only got cash weekly in handwritten brown wage packets which is how problem arose.

because my pay packets were different to what staff now get it was taken as gospel that i couldnt possibly have worked there and i was prosecuted for statin g i did when they say i didnt.

the amount i was paid by council was correct, no underpayment or overpayment but because it was false declaration(their words) they withdraw all benefit received hence the prosecution for false statements and then after court case your told the whole amount needs repaying and they can chase you indefinately, its totally seperate to a court prosecution.

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Where the hell were you living to get a council tax bill for £14k for three years? And why did you not appeal against the original demand from the council? Anyone getting a demand for back council tax hich they do not believe they owe should immediately appeal against that bill. There is then an opportunity to go to an appeal tibunal (where no matter what the outcome you do not get a criminal record) and put their case. The council too must provide evidence to back up their claim. I agree you need a UK lawyer.

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Where the hell were you living to get a council tax bill for £14k for three years?

 

The OP didn't say it was for council tax. they said Housing Benefit, and 14k would be about right over three years for rent.

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This seems extremely unfair - the employer commits fraud and you are punished :eek: Can you not get statements from the folk you worked with, What do the council think you lived on? I would try and get an MP involved.

Poppynurse :)

 

If my comments have been helpful please click my scales!!!!

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basically once the council decide they are prosecuting the only way i was able to bring ex staff as witnesses and force ex boss into court to prove he was lying was if i forced it to crown court but i was warned very heavily by legal team that it was virtually impossible to win any case against council fraud team and if i did force it to crown court and lost i would be guaranteed a higher sentence etc, after a year going back and forth to court and deteriorating health , i had signed doctors certificate stating my mental health due to stress couldnt stand a court case, i was forced in the end to plead guilty to part of the charge to get rest dropped.

I so wish i'd known this site at the time, i may have not backed down.

Once charged i got 12 weeks prison suspended for a year for each of 3 counts.

the judge told me although case was now over , the council then had civil case as they would consider any money paid to me wether true claim or not would now be classed as a civil debt and they would chase for full amount , he also told me if i ever had to sign on again i would find myself under constant investigations... i did have to sign back on as no-one would employ me and within 7 weeks i was pulled in IUC again.

I signed off and havent claimed anything again since as although i wasnt guilty of doing anything i couldnt stand the further stress and eventually left the uk as theres no point being there anymore.

 

I have no means of ever paying the sum they demand as no job or income, i have no bank accounts in uk or here so couldnt set up any type of payment even if i wanted to.

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