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    • Nothing will happen in regard to this one shoplifting event, other than Sainsburys won't let you shop in this store again.   But, if you continued to shoplift, then the consequences are more serious. Local to me, there  is a town where about 13 people have been banned from shopping in many of the shops. They are subject to some form of order, where if they set foot in any of the stores, they will be subject to arrest by Police.  
    • Agree with DX, Sadly, from the pics, it looks like you're bang to rights😪 The rules are very explicit. Before entering the box, you must ensure that you are able to completely exit. It looks like the car in front may have moved a couple of feet and tempted you to set off, but when you did that, there still wasn't enough room to completely exit the box. By all means ask to see the video evidence, but saying you had to stop because the vehicle in front stopped, isn't a valid defence.
    • Hello, welcome to CAG. I imagine the letter that the security guards talked about will be a letter from a company or lawyers who specialise in trying to extract money from shoplifters. I think Sainsbury's use DWF solicitors, otherwise it could be a company like RLP. It won't be a 'fine', only the police can do that. Look at this as a parallel 'justice' system that doesn't involve the plice. If you read around the forum for other cases of shoplifting, you'll get the idea of how this all works. If you think your behaviour has become compulsive, we suggest having a chat with your GP who should get you help for this. Best, HB
    • despite our wettest 18 months on record,  Low levels of rain and snow have cut Canada’s hydropower production, forcing it to increase electricity imports from the U.S.   - NYT
    • Hi all…. i was wondering if someone could help me. I am ashamed I have been caught shoplifting from Sainsbury’s by two undercover security guards who I suspect have been following me for a week now… I have been impulsively shoplifting due to what I think could have become an addiction of some kind. I am ashamed of what I had been doing and I do believe being caught has been for the greater good. i was taken to a room and asked to empty my bag, the guards were slightly rude but I complied with them politely as I know they are just doing their job and I am in the wrong. They retrieved my address, name, birthdate and took a photo of me, they asked me how many times I had shoplifted and I said twice and I didn’t want to be foolish and say just once. They issued me a letter of ban from the store and if I was caught in the store again the police would be called. They told me I would be paying 2x what I had stolen today as the goods had been damage which I am guessing is stole around £65 worth roughly. I did offer to pay for the items I had stolen on the day but they declined. They did not call the police but let me leave after claiming I was a lucky person. They told me to expect a letter in the post and that I “would be smart not to ignore it”  what should I be expecting in the post from them? I am aware from reading a lot online about security costs.. people mentioned to ignore these costs however as I had damaged the labelling on the goods should I still comply and pay the fines ?  kind regards awful shoplifter
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Can they refuse me my NCB?


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I started driving in feb 2007, I was with 1 insurer for 2 years getting 2 years no claims, then I was with another for a few months before they unexpectedly cancelled it because they didn't get "proof" of my no claim bonus. So I joined more than, telling them I had 2 years because I had nearly 2 and half, I was with them for around 7-9 months, never claimed, then I decided to scrap my car and buy a new one.

 

The quote more than offered was extortionate so I went with alliance and leicester who had the best deal. By now I have 3 yrs, 3 months ncb, so I say 3 years, i ask more than to send proof but they send a letter saying I only have 2. When I ask them why, they claim that since I didn't complete my year with them, I get no extra no claims bonus for the 7-9 months I was with them, and I only have what I said when I arrived - 2 years!!!!

 

Can they do this? Now alliance and leicester will want more money, even though I have had insurance since feb 2007 and never claimed...can they really do this to me when I have never claimed on my insurance. :(

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yes, but only because i scrapped my car and bought a new one. I wasn't willing to pay their price for the new car as it was much higher than others, and several hundreds pounds more than my old car.

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Honestly, that sounds perfectly fine - you didn't complete the year with them, so why would they give you a year's NCB?

 

If they did, then you could trivially get a 10 year NCB in about 5, or even 3 years, by cancelling every policy early and "gaining time".

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but I'm not saying they should just give me a year when I have only completed a few months, but when I joined I came with 2 and a half years already, I was with them for enough time to pass the 3 years mark, but now they are saying I can only have 2 years and thats it. So I lose the half year I accrued when I started and the 7-9 months I was with them, which is well over a year.

 

So can I not accrue a year with 2 different insurers, does it have to be 12 months with 1 insurer, and thats it, rather than say 3 months with 1 iinsurer and 9 months with another?

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1 Year NCD is normally allowed provided you are claim free during that period. As yo cancelled a policy mid-term you will not gaid the extra year. Even if you cancelled after 51 weeks you have not completed a full year therefore would not qualify for an additopnal years NCD.

The insurer is correct in this instance I'm afraid

:p :p If my advice as been of help, please give me a quick click on the scales to your right ;) ;) :)
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  • 2 weeks later...

Yeah, unfortunately they're right - months/ weeks won't get taken into account when it comes to no claims bonus.

 

No claims bonus will only be given if you stay with the same insurance company (the underwriters, not just the brokers) for the full year, have made no claims and had none made against you.

You aren't able to carry over your months to another insurance policy I'm afraid as they will just round it down.

 

Sorry for the bad news.

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