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    • god they've got at you haven't they. told you all the usual utter BS. a CCJ vanishes from your credit file on it's 6th B'Day regardless to being paid off or not or paying or not. same with any debt with a registered defaulted date - it vanishes from your file on the DN's 6th B'day regardless. creditfix are Knightsbridge, (they renamed) there are 100's of threads here on Knightsbridge, if i remember rightly 2 of the directors of a certain very big IVA provider were struck off for embezzling £1m's out of debtors. pers i'd stop paying now.  end of . just ignore them all. 99% of your debts are to utterly powerless DCA's and probably were never owed in the first place only goes to firm up my belief from post one..you got had blind. its very easy to deal with the debts even those with CCJ's. can you copy and paste what you credit file says regarding the IVA please?   
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    • Sorry I meant credit fix - I really wish I'd known this before - kicking myself right now  If they come back to me asking for more money I'll cancel it and start trying to deal with the debt myself let's see what they say  Feeling tempted to cancel it now but scared that some of the debts will do more CCJ's on me and I'll have to wait 6 years again.  2 of the CCJ come of this year and then I'll only have the iva in credit file - effectively if I'd have not took out the iva in 2021 I'd have clear score by now - but then again would I because I would have been hounded the last 3 years, as bad as it is it's saves me lots of headaches whilst my debt was still within the 6 year mark.  I think most of them are near there but in all honesty no point chasing them if I do cancel iva I'd jjst wait for the ones who contact me and then start the relevant letter process on them.  Of over 6 years easy if not still possible to write off. My true victory would be having the iva wiped off my credit file as mis sold or something that way I Don't have to wait till 2027 Other option is to fight back and ask for them to offer the creditors to accept payments so far and use the following method    Will your IVA firm agree to complete your IVA on the basic of funds paid to date? The Guidance lists a lot of factors to be considered in deciding whether a settlement on the basis of funds paid to date should be proposed. You should read the list. But that may not give you any feel for whether they apply to you or not. The following are my thoughts on when an IVA should be treated as settled, not failed. They assume that you have £75 or less to pay a month: if you would currently qualify for a Debt Relief Order, then your IVA should be settled now  There is no point in making your IVA fail and you have to apply for a DRO – it will not generate another penny for your creditors. If you are renting and owe less than £50,000, check the DRO criteria now and talk to National Debtline on 0808 808 4000 about whether you qualify. You may have been told at the start of your IVA that you aren’t eligible – still check now as the DRO criteria have changed, your situation has got worse, and some people were given incorrect information about DROs at the start. if you have no assets that would be realised in bankruptcy (eg a house with equity, car worth over £2000), then your IVA should be settled now Same as (1), there is no point in making you apply for bankruptcy after your IVA fails. if your only asset is a car that is worth less than £8000, then your IVA should be settled now A car that is worth say £5000 would normally be sold in bankruptcy and you would be given a small amount to buy a cheaper car. But your creditors would not get any benefit from this as the Insolvency Service takes the first £8000 raised to cover its own costs. if you have significant assets, the closer you are to the end of the IVA, the less reasonable it is to fail it If you have been paying your IVA for 4 years, you have done your best over a long period. It isn’t your fault you can no longer continue. The fact you may have had equity to release isn’t relevant as that simply isn’t going to be possible. if your situation will clearly improve soon, then it’s unlikely your IVA will be settled I mean real improvements, not hoping that prices fall. If I can get them to accept payment to date or threaten with cancellation hopefully they may accept it -  Other option is to try and borrow money and pay make a full and final offer  Or I can just ignore and hope for the best which I'm very tempted to do especially if they respond to my review with bullying tactics despite me being skint as a fart with no mortgage as renting  It's so stressful but I've just checked the iva agreement from 2021 and it's Cabot 2 accounts Lowell about 5 accounts and then lots of repeats of the same debt with for example zopa and Cabot same amount listed twice -  also loyyds banks but I'm sure that's older than 6 years and not on credit file anyway  If I can somehow remove the iva from my credit file I'd be happy 
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RLP Claim Debenhams **Case closed**


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Police have upheld several cases where the defendant has passed the last point of payment, when they have concealed the goods,I know of these personally-the person has been found guilty.

I have also known of cases where (where for example there was a gang of accomplies waiting outside,where the descision to stop them inside has been upheld) many other cases too.

 

My personal experience-not just from lawbooks.

 

Shanty again the police can uphold what they like but they don't make the law (& they frequently get it wrong) & unless the person has left the store there is no crime - I suspect that in the cases you refer to the person has admitted their intention to steal when confronted with the evidence - however I say it again for you to think that a crime has been committed BEFORE it's actually been committed is somewhat worrying as it demonstrates poor training

 

Had those that you say who have been found guilty had decent legal counsel it's very doubtful that they would have been found guilty at all

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All those cases were taken on by the cps-and sentanced-I think I have already proved my point.

Yet again you are only speaking from your books.

 

If you think the Police are poorly trained in accepting those charges-and the cps for accepting them,you obviously far superior in knowledge to both.

 

When a person has used wire cutters to cut tags off items,then puts them in their coat and zips up the coat,passes a point of payment and is stopped past that payment point,plus is a known thief, is violent,and is stopped outside the first door,but inside the final set of doors for the safety of the security staff,and the person admits it-hey-off course they have committed the crime-It has been demonstrated time and time again.

Edited by shanty
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The other point here is that the act was a consequence of an illness, not a premeditated act of theft, a fact clearly recognised by the CPS. I wonder if Debenhams would be as quick to sue for damages, say, an epileptic who involuntarily urinated on their carpet whilst having a seizure?

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All those cases were taken on by the cps-and sentanced-I think I have already proved my point.

Yet again you are only speaking from your books.

 

If you think the Police are poorly trained in accepting those charges-and the cps for accepting them,you obviously far superior in knowledge to both.

 

When a person has used wire cutters to cut tags off items,then puts them in their coat and zips up the coat,passes a point of payment and is stopped past that payment point,plus is a known thief, is violent,and is stopped outside the first door,but inside the final set of doors for the safety of the security staff,and the person admits it-hey-off course they have committed the crime-It has been demonstrated time and time again.

 

Like I said they have admitted the crime - However had they not done as you describe they would not have committed an offence until they left the store period & if you think I get my knowledge just from law books your wrong.- of course it does help to understand the law in the 1st place

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Theres been lots of discussion on this in the past.

I remember specifically something about concealment-its a sketchy area.

Concealing something say-under your coat is not classed as shoplifting until the person goes through the checkout without attempting to pay for it.

But what if a security guard stopped a person on seeing the concealment ?

Since it cannot be proven that the person intended to avoid payment since they were not given opportunity to pay at the checkout ?

 

The person needs to have passed the last point of payment.If the security guard stopped the person before this,it would be kicked out by the CPS.Rightly so.People come up with very creative excuses why they do this.

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Quite Shanty - I recall some time ago selecting something for one of my kids which as they were with me I hid under my coat intending to lose them (the kids) before the check out. Now had anyone accused me of stealing BEFORE I left the store all hell would have broken loose & I would have sued their butts off

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Quite Shanty - I recall some time ago selecting something for one of my kids which as they were with me I hid under my coat intending to lose them (the kids) before the check out. Now had anyone accused me of stealing BEFORE I left the store all hell would have broken loose & I would have sued their butts off

 

Agreed,that's where common sense needs to kick in in stores.Presumably if you had walked through the tills and been two feet from the final exit doors-the staff might have come to a different conclusion ..maybe.

Edited by shanty
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the theft occures by removing the item from the premises,

 

not the point of payment

 

No,not quite.

 

The legal definition of theft has several criteria,not just one.

If someone accidentally left the premesis with goods (many people have done this at one time or another),this is not theft.

Passing the final point of payment shows the intent NOT to pay-as you had every opportunity to pay on the way out.,it has to be accompanied by criminal intent though,etc

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Well just got off the phone from the police officer that arrested my wife in the original incident. She says all the goods that Debenhams identified as there's were returned to the store without them ever leaving so I am not sure exactly what goods RLP are asking us to play for.

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They are after £380 of which £130 is for the goods (Never left the shop and were undamaged according to the PC who arrested my wife)

£150 for there time, £45 for Administration and £55 for Security and surveillance.

 

Well seems they are very specific about itemising stuff like that and to my mind they have asked us for money that is not due the £130.

 

What seems to have happened is that My wife had other items on her but which the police believe to be stolen but cant prove anything and Debenhams cant be sure that any of the rest of the goods that Police have are there's so they have come up with a random figure. If they cant prove any of the other goods confiscated are there's cant see how they can tell RLP to get money back for them.

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Anyway this was the letter I was going to send to Debenhams store Manager

 

On Wednesday May 27th, I was arrested in your store for shoplifting

Please find attached a letter from my GP regarding medical conditions that caused my irrational and impulsive behavior on that date, as I was under the influence of Alcohol and a manic episode.

Please also be aware that the Police and CPS have also released me without charge as they have taken into account my mental state at the time of the incident.

My GP and the community mental health team are endeavoring to place me in a residential rehab facility in the coming month to allow me a period of stability to focus on my addictive illness and get my bi polar under control.

I would also point out that according to the arresting officer involved that all goods were recovered by the staff and never removed from the shop.

In this light I would ask you to contact RLP who are currently pursuing me for the sum of £380 and have them stop proceedings. This includes a sum of money for goods not recovered which I find slightly confusing as mentioned above the police officer said all Debenhams goods were recovered. I have also written to RLP but as they are your agents I wondered if you could intercede on my behalf.

I would ask if you could please respond within 14 days as I would like to get this matter cleared up as soon as possible due to my upcoming hospitalisation.

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Well seems they are very specific about itemising stuff like that and to my mind they have asked us for money that is not due the £130.

 

What seems to have happened is that My wife had other items on her but which the police believe to be stolen but cant prove anything and Debenhams cant be sure that any of the rest of the goods that Police have are there's so they have come up with a random figure. If they cant prove any of the other goods confiscated are there's cant see how they can tell RLP to get money back for them.

 

 

The issue you are mainly talking about then are-the goods she didn't give back-ie goods not recovered.

So does your wife have receipts for the other items that have a question mark over them(I assume these are the ones she was not actually witnessed concealing)?

Surely you would not want her to keep items that are not hers-whether debenhams can prove it or not? If those goods are stocked by Debenhams I would be inclined to give them back to Debenhams,don't you agree?

Edited by shanty
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No she has no receipts, I think the police also believe she was shoplifting in other stores but have no evidence (No one has reported the other goods missing or anyone shown her stealing from another store) so the police will probably keep the rest of the goods they have in their custody.

 

And your right I don't want anything that we haven't paid for.

 

Oh and yes she is on Meds for the Bi Polar an Anti Depressant and a Mood stabiliser.

Edited by intheding
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She has goods with no receipts? She has "stolen" other goods while in a manic episode? The Police would be right to suspect they were stolen.

If they were stocked by Debenhams but they hadn't seen her take them,they wouldn't be in a position to report them missing,or to have evidence proving the loss.

I find it difficult to believe,given the circumstances, that she couldn't put two and two together and suggest to the Police that if the goods are sold by Debenhams,she probably took them from Debenhams,and therefore give consent for them to be returned to Debenhams.

 

You can't expect the store to be particularly happy if they suspect she is hanging onto goods they still believe are most probably theirs,even though at the moment you say technically the police have them.You need to get that bit sorted out before you send the letter.

 

Did you say she was prescribed bi-polar medication?

Edited by shanty
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I agree they wouldn't be happy but when my wife was detained they couldn't be sure that they belonged to the store with that in Mind the police had to keep them. The Store haven't told me what they are still missing and from my phone call to the security office they didn't seem to be too sure either.

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In a big store like that,it may be impossible to say what if any stock is missing,that's why I think what usually happens is they are shown the goods held by the Police ,and then they say "yes that is stock we sell" and the Police give it back to them as the most likely owner.Could you perhaps say that you give them authority to do that (if that subject was raised by them)?

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"In this light I put it to you that you have a responsibility to contact RLP who are currently pursuing me for the sum of £380 and have them stop proceedings. This includes a sum of money for goods not recovered which I find slightly confusing as mentioned above the police officer said all Debenhams goods were recovered. I have also written to RLP but as they are your agents I feel it is your duty to intercede on my behalf."

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.

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After talking to my wife and she is sane and sober at the moment and explaining what everyone suggested, she wanted to write to RLP. As she is an adult and responsible for the problem I let her do this.

 

She attached the letter from her Doctor and we sent it off last week.

 

This morning we received a letter from RLP saying that on consideration they were not taking any further action. So YAY!

 

At least it shows they can be reasonable some of the time. My wife and I would like to thank you all for your comments and suggestions its really been appreciated during this quite stressful time.

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now you should tell RLP you want everything about your wife , ALL Details removed from their system, as per the DPA , they do not have her express permission to hold the data , or you will follow the path to the ICO

 

and well done to your wife for writing

..

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Hi Intheding,

 

Delighted to hear this.

 

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