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    • dx100uk
      Iva with Hanover now been passed to credit expert

      By dx100uk · Posted

      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?   
    • Alfy
      Iva with Hanover now been passed to credit expert

      By Alfy · Posted

      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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    • dx100uk
      Parking Eye 2 x ANPR PCNs - two different vehicles - PAPLOC now claimforms - Kenwood House, Tunbridge Wells - one claim discontinued one ongoing

      By dx100uk · Posted

      any news on your case? dx

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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Boots RLP Civil recovery Very aggressive

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HeilSieg

HeilSieg

Posted
Posted

I was recently caught removing the plastic wrapping on a bottle of aftershave in boots, with a friend who took the aftershave out of the store without paying, along with a second bottle which I did not touch.

 

As soon as we left the store, 4 security guards grabbed us, we were taking into a back room, the police were called but they said because of our clean records they would let us off, yet after they had left the security staff made us fill out a civil recovery form, and told us we must write a letter of apology to the store.

I sent the letter the next day to them.

 

About a week later I received a first letter from RLP. Explaining the costs of the aftershave (28 GBPounds per bottle), and they expected us both to pay for both the bottles each, despite stating that the store had recovered the battles.

 

About 2 weeks after that they sent a second letter arrived, they now said because of other costs I must pay them 137.50 GBPounds, or about 100 GBpounds if I could pay in the next 31 days.

 

I did not make a payment, as I'm an A-level student without an income, not even EMA.

 

After the 31 days, I received a letter saying I had 14 days to pay 137.50.

 

After the 14 days had passed they are now saying my credit will be ruined, and I owe them 137.50 but it will increase by 5% annually.

 

I havn't heard anymore , but it's been about 14 days now.

 

 

I'm worried about data protection, I want the security recording and I want them to stop sending letters.

 

Any ideas?

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Snefclarb

Snefclarb

Posted
Posted
the police were called but they said because of our clean records they would let us off, yet after they had left the security staff made us fill out a civil recovery form, and told us we must write a letter of apology to the store.

I sent the letter the next day to them.

Any ideas?

 

Just out of interest, because I'm unfamiliar with the RLP area, how were you actually made to sign something?

 

Did the police turn up and say you'd be let off? Or was it the Boots folks saying you'd be let off?

 

Also, you say you're an A-level student, I assume that means you're probably under 18? Can anyone comment on the validity of contracts signed by a minor?

The adverts that this forum puts around my username and message are not endorsed by me.

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Guest Old_andrew2018

Guest Old_andrew2018

Posted
Posted

Hi

Please send a PM to JonCris, please remember to include a link to your thread, he will advise.

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The Chez

The Chez

Posted
Posted (edited)

First off, if this were me, I would not have signed a thing. They cannot do anything with no details. After that I would have quoted that being kept inside the store was false imprisonment, and if the police wanted to arrest me, then I would go willingly, they still wouldn't get so much as my first name.

 

It's also a grey area as to the powers security guards have. My partner says if they lay a finger on you, that is classed as an assault. They do not have the power of arrest, that is reserved only for the police & agencies working with the police such as FBI, CIA etc, regualted government authorities, not private security. Private contractors & store guards do not have these powers, and are as liable for their actions as any tom, dick or harry.

 

Do not make a payment, as soon as you start paying, the 'costs' will go up and up. It is a [problem], and should be treated as such. The letters you are getting are computer generated and designed to frighten you into paying. I doubt a human being even knows who you are.

 

You could find out if you could make a freedom of infomation request to boots for the security footage, although your likely to be fobbed off by 'it's been erased' etc.

 

Also, why did your friend walk out of the store without paying for the item?

Edited by The Chez
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The Chez

The Chez

Posted
Posted
Since when did the FBI and CIA have the power of arrest in the UK?

 

I was just mentioning some of the agencies that have this power, not what country they operate in.

 

Have you come here to be petty or to help the OP? Also, these agencies do work with our police from time to time to apprehend/help remove globaly wanted criminals & terrorists.

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My Real Name

My Real Name

Posted
Posted
Security guards CAN arrest a person, but they must have good grounds to suspect a crime has taken place AND that the perpetrator intends to flee the scene
They must have more than suspicion - The power to arrest on suspicion alone is a power that only a police constable has (and various other officers of the law, such as HMRC etc).
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JonCris

JonCris

Posted
Posted
They must have more than suspicion - The power to arrest on suspicion alone is a power that only a police constable has (and various other officers of the law, such as HMRC etc).

 

Incorrect A security guard can arrest a person based on the suspicion that he HAS committed whereas a police officer can arrest if he thinks an offence is about to be committed

 

The security guard acts reactively whereas the police officer can act proactivley

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The Chez

The Chez

Posted
Posted

That aside, some people posting in this forum, talking about RLP, did actualy steal, or hang around with theives, what do they expect to happen? The OP still hasn't explained why their 'friend' took the aftershave out of boots without paying for it.

 

At the end of the day, we do have rights yes, but stores also have rights to protect. Nobody has the right to steal anything from anyone, big company or a garden gnome from the old lady down the road. RLP isn't the best way to deal with theives, personally I think people caught stealing should face criminal charges levied only by the police, not by credit companies.

 

If you don't agree, thats fine, and for the record I am very, very against RLP and the stores that use it. Boots should be ashamed at how they treat customrs as criminals before they've done a thing wrong, what on Earth would Jessie Boot think?

 

Boots also STILL test their products on animals, when a lot of other companies have abandoned this.

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JonCris

JonCris

Posted
Posted
They must have more than suspicion - The power to arrest on suspicion alone is a power that only a police constable has (and various other officers of the law, such as HMRC etc).

 

Incorrect

 

They do arrest on suspicion which is why 'suspects' are known as suspects

 

They have to have reasonable grounds to suspect a crime has already been committed whereas a police officer can arrest if he has reasonable grounds to suspect a crime is about to be committed

 

Reasonable grounds would be either what he witnessed or based on what he was told by other persons

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The Chez

The Chez

Posted
Posted
Incorrect

 

They do arrest on suspicion which is why 'suspects' are known as suspects

 

They have to have reasonable grounds to suspect a crime has already been committed whereas a police officer can arrest if he has reasonable grounds to suspect a crime is about to be committed

 

Reasonable grounds would be either what he witnessed or based on what he was told by other persons

 

How do you know all this?

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JonCris

JonCris

Posted
Posted
That aside, some people posting in this forum, talking about RLP, did actualy steal, or hang around with theives, what do they expect to happen? The OP still hasn't explained why their 'friend' took the aftershave out of boots without paying for it.

 

At the end of the day, we do have rights yes, but stores also have rights to protect. Nobody has the right to steal anything from anyone, big company or a garden gnome from the old lady down the road. RLP isn't the best way to deal with theives, personally I think people caught stealing should face criminal charges levied only by the police, not by credit companies.

 

If you don't agree, thats fine, and for the record I am very, very against RLP and the stores that use it. Boots should be ashamed at how they treat customrs as criminals before they've done a thing wrong, what on Earth would Jessie Boot think?

 

Boots also STILL test their products on animals, when a lot of other companies have abandoned this.

 

I agree & that's why we have a police force & a criminal justice system

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The Chez

The Chez

Posted
Posted
Cos I does;)

 

Sorry I couldn't resist

 

 

Just wondered thats all lol, nothing bad meant.

 

I do feel though that some people posting on this section need to rethink who they hang around with though. If I was hanging around with a theif, and they did it while I was with them, they'd never be coming within 1000 foot of a shop with me around again.

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JonCris

JonCris

Posted
Posted

Chez the problem is that even when some admit to theft it's found on questioning there was no such thing they have just been made to think they have committed a crime when they haven't In many cases there is no intention to steal it's often just a mistake either way there has to have been an intention to steal before it meets the burden of proof

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My Real Name

My Real Name

Posted
Posted
Incorrect

 

They do arrest on suspicion which is why 'suspects' are known as suspects

 

They have to have reasonable grounds to suspect a crime has already been committed whereas a police officer can arrest if he has reasonable grounds to suspect a crime is about to be committed

 

Reasonable grounds would be either what he witnessed or based on what he was told by other persons

I stand corrected.

 

Section 100 of SOCPA adds Section 24A (1) (b) "anyone whom he has reasonable grounds for suspecting to be committing an indictable offence".

 

The test would be as to what constitutes reasonable grounds.

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JonCris

JonCris

Posted
Posted

Correct

 

Let me give a you a scenario Chap buys cassette remains in store whilst his friend completes her shopping. Leaves store followed by store detective who assumes on seeing the cassette in the chaps hand it's been stolen. Calls police who acting on the information of the store detective & despite his protestations of innocence arrest him in a nearby cafe & take him to the nick. 2 hours later he's released when the assistant who sold the cassette phones to confirm it had been paid for

 

Also I should mention that by the time the police arrived he had thrown the receipt away

 

What do you think happened next?

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