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    • I have recently found myself in financial difficulties and with the help of forum members in another thread regarding this, I think I can get myself sorted. My query here is how to deal with a Cifas marker that has been logged against me by one of my creditors for "evasion of payment". Admittedly yes I did get a £5000 loan with them and have not paid any payment but at the start of the year, which is when the loan landed, I realised I was going to be struggling to repay that and other debts and I contacted MCB to ask if there was any way I could extend the loan from 24 months to 36 months. I explained my situation and that I was going with a DMP and asked them if they could help me with this. They did not reply. I then emailed them again a month later explaining that my DMP was going ahead and could they confirm that the direct debit was indeed cancelled. Again, they did not reply. The DMP fell apart and so did everything else thereafter. My bank withdrew my overdraft and said I could not stay with them (I thought initially that it was because of the DMP) so I opened another account (Starling) and set up all my direct debits etc with the new bank. A month into being with the new bank, they contacted me and said they were closing my account in three months. So I started applying for other basic accounts and every single one of them either refused or revoked.  Through the help in the other thread, I requested a SAR from Cifas and discovered that I have this marker against my name for "evasion of payment". I have logged a complaint with MCB on the advice of other forum members, but my query really is do you think the marker is fair given that I did ask them for help and I did explain that I was going to be struggling financially to repay the loan over the original two years, and is there any way that I can get it removed? I fully admit that I have yet to make a payment to them and I suppose in my naivety and panic I thought if I emailed them early on they could extend the loan and help me out, but they didn't even reply  I did manage to open an account with Monzo before the marker was in place, but I am very concerned that if Monzo do what Starling did, I will have no bank account to pay my bills or get my wages paid into.  Realistically based on the information I have given here, what do you think my chances are of getting this marker removed? Any help/advice on this would be greatly appreciated x
    • Thank you dx, that is what I intend to do now. I have gone through all the SAR documents, a lot of which I am seeing for the first time! As per my previous post #116 letters and statements alleged to have been sent to me, as recorded on their system notes I have not received. Letters I have sent requesting information and account statements have not been recorded as being received by them, all were sent either by Recorded or Special Delivery. I have all the proof you menrtioned from my files for payments and from their SAR info for fees added. Thanks t
    • In my experience (not with car payments) but with many other things, my partner has been ill and signed off in the past and we have been unable to meet various commitments.  Naturally if you ring the call centre they are going to fob you off and tell you you must pay, that's why that never ever works. I would obtain a note from her GP listing all her health issues plus medications plus side effects, then write to the finance company with a copy of it, explaining the situation, as you have here, asking for a payment holiday. Perhaps mention that the car is very much needed for hospital appointments etc. It's likely the finance company would rather you pay till term end than, chase you for money they will never see, and sell the car at auction for a loss,  You can search some of my threads going back years, advising people to do this for Council Tax, Tax Credits, HMRC, Even a solicitors company and it always works, because contrary to popular belief people are reasonable.
    • Sorry, I haven't ever seen one of these agreements. Read it all and look out for anything that says when she can withdraw and when she is committed to go ahead. If it isn't clear she may need to call the housing provider and simply say what you posted here, she doesn't want to go ahead and how does she withdraw her swap application?
    • Thank you! Your head is like a power bank of knowledge.  Her health issues are short term, due to a relationship breakdown she took it pretty hard and has been signed off work on medication for 3 months. She only started her job in February 24 so does not qualify for any occupational sick benefits, which is where the ssp only comes in. (You will see me posting a few things over the coming days, whilst I try and sort some things for her)  I sat with her last night relaying all this back and she does want to work out a plan, she was ready to propose £100 for the next 3 months and then an additional £70 per month onto of her contractual to "catch up" but Money247 rejecting the payment holiday and demanding £200 thew her, which is why I came on here.   
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ceedoubleu/ BOOTS-RLP 14 year old girl


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Yes, a full apology has been made by Boots and RLP have been told by them not to take any action.

 

Excellent !! Well done ;)

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HERE and use the search option for all your searches. CAG earns a few pennies every time !!!

 

Please don't rush, take time to read these:-

 

 

&

 

 

This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Yes its great news-but nothing short of what should have been forthcoming.

Its my contention that Boots would wish it to be known that they dont condone such actionand now that Boots have made that fact be known,all others who have had the same or similar treatment dished out to their children by RLP should follow suit and complain to Boots.

 

If anyone from Boots is reading this-well done,this is a step in the right direction a decision that was right and a decision that you should rightly be applauded for taking.

Unfortunately it has to be said that there will ultimately be further complaints of the same nature arriving to your offices.Its not unreasonable to pre suppose that given the behaviour and conduct of Retail loss Prevention as documented on these forums,there will indeed be more to follow.

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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Sorry to sound negative its great news you've had but have you been assured by RLP that your daughter is no longer on their database that will prevent her gaining employment etc?

 

I will be dealing with that in a short while.

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I will be dealing with that in a short while.

Please will you let us know the response you get? We desperately need more information on how to deal with their tactics and you could provide invaluable insight into that.

 

Well done to you and well done to Boots for doing the right thing. :-)

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Please will you let us know the response you get? We desperately need more information on how to deal with their tactics and you could provide invaluable insight into that.

 

Well done to you and well done to Boots for doing the right thing. :-)

 

Yes Bookie we cant stress enough that they have to be taken on collectively-its people power and sharing results that will not only spur others on but also help us to keep this campaign going forward.

I can say here that I am aware of at least 4 cases in which RLP have ceased further demands since we started this forum.

We should keep up the pressure and can only make inroads if we can see the results.

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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It then becomes debatable whether the young person has actually been arrested, or just "spoken to " about the offence,then released,.It also calls into question when the the Police themselves say " release them,we are too busy to come and get them", or "Don't call us unless they have stolen over £10 worth " for example.

 

There is no debate here at all. There is no right for a security guard to restrict anyones movement at all unless they are making a citizens arrest - you cannot detain anyone, as a citizen, without - that is false imprisonment.

 

So even if the guard merely stopped her from leaving the store by holding her arm, (you could even add in battery as a civil tort to this) or by physically blocking her way, that is a complete restriction on movement. Either he is making a citizens arrest OR it is false imprisonment. No other options.

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Sorry shanty - I wasnt inferring that the "merely" was your term I meant it as an alternative to taking someone and restricting them in a room.

 

My point was that there is only 1 legal way that a security guard can detain anyone and that is by making a citizens arrest as per s24A of PACE.

 

Anything else is false imprisonment.

 

They can ASK someone to accompany them and the person may volunteer to do so, but this person is then free to leave at any time without restriction.

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Bear in mind the changes to legislation, namely SOCPA and powers of arrest.

 

Previously, PACE referred to 'arrestable offences'. This has changed, SOCPA concerns 'indictable offences'. (an offence which may be trialed at a Crown court - so includes either way offences such as theft)

 

 

According to s.24A of PACE (as ammended by SOCPA), any person (call him `P') can arrest another person (call him `D', for `defendant') in the following circumstances.

 

(i) P knows that an arrestable offence has (definitely) been committed, and has reasonable grounds to suspect that D committed it, or

(ii) P has reasonable grounds for suspecting that - at this moment - D is committing an arrestable offence

 

However, even if these conditions are met, a further restriction is that

(iii) it is not reasonable practicable for P to summon a constable to perform the arrest, and

(iv) the arrest is necessary to prevent injury to any person, loss or damage to property, or D's running off before a constable can be summoned.

 

 

 

 

Sorry shanty - I wasnt inferring that the "merely" was your term I meant it as an alternative to taking someone and restricting them in a room.

 

My point was that there is only 1 legal way that a security guard can detain anyone and that is by making a citizens arrest as per s24A of PACE.

 

Anything else is false imprisonment.

 

They can ASK someone to accompany them and the person may volunteer to do so, but this person is then free to leave at any time without restriction.

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Sorry shanty - I wasnt inferring that the "merely" was your term I meant it as an alternative to taking someone and restricting them in a room.

 

My point was that there is only 1 legal way that a security guard can detain anyone and that is by making a citizens arrest as per s24A of PACE.

 

Anything else is false imprisonment.

 

They can ASK someone to accompany them and the person may volunteer to do so, but this person is then free to leave at any time without restriction.

 

 

Yes,but ,in these situations, security guards DO simply say " I have seen you do x ,will you please accompany me to the office",that IS how most situations go,most of the time the person complies,they could say "no",but for various reasons they don't.And it's perfectly Ok to let them go.

 

So everything else ISN'T false imprisonment.

 

I have seen very few mentions of someone saying they tried to walk out and were stopped,apart from the extreme cases.

 

Scarlet Pimpernel said suspects (we were talking about people who had been seen to steal), should be stopped and then requested to produce their receipt, as they exit, as a solution which was better than calling the Police where the Police didn't want to be called..As though somehow establishing on the shopfloor that they hadn't paid was a good thing.No,it's a terrible idea,not workable,only in text books..and here lies the crux..what works in textbooks doesn't sometimes work in reality.

 

 

Yet,none of you good people disagreed..in fact some agreed,and you are supposed to have your finger on the pulse...jeez..

 

Sorry guys but there is a reason shops choose to let people go,it's because it is the right thing to do.

 

 

Can you see any shop Manager saying "Yes,lets stop taking people to an office,lets deal with the theft in front of everyone else."

There is the Human Rights Act and people have the right to be spoken to in privacy,if they wish,and that scenario is not treating people with respect.

 

Don't stop shoplifters and take them to an office and don't let them go-ever.Dear oh Dear.

 

It is bettter to ask to see their receipt (er..they won't have one, so a ludicrous exercise).

 

Stopping shoplifters and choosing to release them is illegal according to several posters-yet I have pointed out that the Police themselves are requesting this.

 

If that is correct,why don't you write to the Police and tell them that in future,they can be expecting to be tied up in an office all of Saturdays because the CAG wants shops to stop releasing shoplifters (and forget about civil recovery here) and you want the Police to attend every single time.

 

You are suggesting that stores cease forthwith releasing people as they see fit, because it's illegal,you say,yet the Police are happy with this,the Police will NOT be happy with shoplifters being questioned about receipts on the shopfloor,as a new policy.

 

Ps,what Rlp are doing is terrible in some cases,but don't throw the baby out with the bathwater!

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The point is they aren't ALL shoplifters & yes if accused then insist they call the police & above all refuse to "go to the office"

 

Yes it's a good result for the OP & congrats Boots. Now all we have to do is convince them & others to stop using RLP

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OP are you prepared to make a formal compliant to the ICO?........if so please contact mod Martin3030 when you will be given help preparing your submission.

 

It's important that every victim should complain to the ICO as I refuse to believe the ICO knew when granting RLP their licence the uses it would be put to................... & if they did then the ICO needs to be the subject of compliant

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