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yourbank

RLP Consumer Credit Licence - pending

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3088 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

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Just for information

 

Response to question 2(b)

If a business offers any kind of regulated consumer credit or hire, or if it is involved in regulated activities relating to consumer credit or consumer hire, it must be licensed under the Consumer Credit Act1974 ('CCA'). If a business collects debts due to others, arising from credit or hire agreements (whether regulated or exempt), the business would likely need to apply for category F – debt collecting. If providers of retail civil recovery schemes are not offering any such regulated consumer credit or hire services or collecting debts arising from credit or hire agreements, then it would be unlikely that the business would require a Consumer Credit licence.

 

I note in your email of 25 June 2009, you have stated that you are aware that Retail Loss Prevention Ltd (RLPL) does not have a Consumer Credit Licence.

 

Our licensing records show that RLPL has applied for a Consumer Credit licence, application number 628437 and the application was received by the OFT on 15 May 2009. The application is currently being considered and the licence status is pending. This information can be accessed on the OFT's Consumer Credit Public Register (the Public Register).

 

The Consumer Credit Register (CCR) provides details of applications for holders of consumer credit licences, both current and past. It also contains details of any OFT decisions to refuse an application or revoke a consumer credit licence as well as information relating to any appeal against this decision. Due to legal constraints, the OFT is unable to disclose any further information relating to licence applications or current licensees above and beyond that which is available on the CCR. The register can be accessed from the OFT web-site at:-

 

Public Register


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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'application 25th June 2009!' - when asked didn't RLP claim they didn't need one;)

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"application was received by the OFT on 15 May 2009". When asked didn't RLP say they didn't need one ;)

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"application was received by the OFT on 15 May 2009". When asked didn't RLP say they didn't need one ;)

 

Before 15 May, I think they did. :rolleyes:

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They did but not until after claiming (repeatedly) they didn't need one....... obviously they had second thoughts........... wonder why:rolleyes:

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hmmm trading standerds, the threat of publication, there consionce.

 

take a pick


Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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Can I have all 3

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nah they dont have the last one


Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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Is there any update guys on the RLP status and their application for a Consumer Credit Licence which was pending?

I am particularly curious after reading the posts over the past few weeks which inc RLP now using a company called Opus to recover their "debts". I am sure this will have interest to anyone affected by RLP's actions.

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Surely as RLP have by applied for a licence they have admitted to operating without a licence and therefore should not be granted a licence?

 

Anyone care to object to their licence application?

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i beleave you can apply retrospectivly


Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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objections have already been made but knowing the OFT I doubt it'll be to much avail

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so does anyoneknow for definate whether rlp need a ccl to recover civil charges, any update on their application?

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Many members here had letters stating that they did not need a licence when they were challenged to answer this point.

Would seem RLP have engaged a different DCA in OPUS.

Will be taking a look at these.


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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Hi Martin, company I got letter from was OPOS Limited SC338837 based in Glasgow, see my testing mousse thread again!

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I have just replied there.


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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Glasgow?


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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Have you got a postcode for Opus ?


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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Ok will look tomorrow.


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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maybe at that time they weren't involved in collecting debts for credit related matters (only civil recoveries for theft etc) and therefore didn't need a licence, but now they may have added this to their range of services?

 

if providers of retail civil recovery schemes are not offering any such regulated consumer credit or hire services or collecting debts arising from credit or hire agreements, then it would be unlikely that the business would require a Consumer Credit licence.

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Civil recoveries requires a licence which is way they have now applied for one

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Hi My Son and His two friends have bocome how shall I say this..........Familiar with RLP! I will post up more dtails when I have them to hand however, I phoned RLP Yesterday and the female employed by RLP would not disclose information regarding my Son without His express written permission, I did ask Her if RLP had a Consumer credit licence to which She replied Yes I then asked Her for the registration number and after a delay gave Me this number 0628437, Today I phoned the consumer credit licence office (Tel number 0207 211 8608 and they informed Me that RLP did NOT have a consumer credit licence I then said that I had been in touch with RLP and that they had given me the consumer credit licence number 0628437 and She informed me that this application together with the registration number were pending, I then asked the young Lady if RLP should be trading without a licence and She gave Me an emphatic NO as an answer!!

I am grateful to this forum for the information on RLP so far and I will post up more information on my Sons case very shortly.

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Welcome to the site.

Look forward to your further posts.

Thank you for the information.

Rlp have of course held a licence in the past,if there has been no changes to the criteria which existed in their last licence,then its reasonable to assume they will be given another.

However,as you will be aware,RLP continued to operate WITHOUT a licence after the last one expired.

It was the actions of CAG members and site team who brought this to the attention of the regulators and Nottingham Trading Standards.

 

Ironically RLP were known to have replied to a number of people who asked about this,that they DID NOT NEED a Consumer Credit licence.


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 about the delay in replying My Son had given some of the documentation to His Friends Mother to see if it matched Her paperwork. Any way my Son and His 2 Friends were caught shoplifting in Debenhams, they were given an £80 Fixed Penalty notice however shortly after they received a demand from R.L.P for £297.50 reduced to £260 if they paid up promptly EACH!! Now I don't condone their actions and my son was further punished by my Wife and I, However how RLP justify a fee for £780 is beyond Me and is an extortionate amount in my opinion! After We received the 1st demand we received another one for £110 We phoned RLP to pay this amount but were told that the figure didn't match theirs and they would have to call us back, We are still waiting for that call (Unfortunately My Sons friends Mother has lost our letter demanding the £110) anyway after we received that demand I discovered this site and would value any advice that you can give please? As I replied above I have contacted the Consumer credit authorities and they confirm that at present RLP do not hold a consumer credit licence although their application is pending,I will try to upload the 2 letters I hve from RLP.

Edited by Rover60

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