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    • 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.   
    • I've looked at your case specifically more.   Term 8bii reads " when, in accordance with instructions from the Customer or the Consignee, the Consignment is left in a safe place" Their terms choose to not define safe, so they are put to proof that the location is safe. If your property opens onto a street its a simple thing of putting a google earth image and pointing out that its not a safe place
    • New rules and higher rates resulted in a jump in the number of savers opening accounts at the start of this year's Isa season.View the full article
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RLP Hounding me - what do I doAfter


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Hi,

 

Can anyone help please? I received a fiscal fine for shoplifting in Boots, although I was ill at the time and not really aware of what was going on. Since then RLP have been hounding me with letters to pay in excess of four times what was taken even though the goods were undamaged. They have suggested I get a doctor to write to them explaining my condition and they were consider the circumstances but cannot promise they will still not pursue me for the money. I can't afford to pay and I am terrified of my family finding out. So far i have managed to intercept the letters before the rest of the family but they come in envelopes with RLP - Retail Loss Prevention in big red letters stamped on them. I am at the end of my tether and don't know where to turn. Some days I feel almost suicidal. Please, please advise me - I don't want them to take me to court but don't know how to stop them.

 

Debbie

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Hi

 

I have moved your post to a more appropriate section of the forum.

 

In the meantime, you may like to have a good read of some other threads here, and see what you are dealing with. You should get the gist pretty quickly.

 

Lefty

If the left side of the brain controls your right, and the right side controls your left, then left-handed people are always in their right mind!

 

Please help to support this site with a small donation... every little helps...

 

CAG- The Nation's Weekly Info Store!

;)

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Hi debbie

 

Welcome to CAG

 

The guys will be happy to advise as soon as they are available.

 

What you have received from RLP is an invoice. As you have highlighted the product was returned undamaged. To date Boots haven't taken anyone to court,

they are in the process of doing so. CAB have done reports where they feel the way RLP and retailers pursue individuals for monies is unfair as they are

speculative, regardless of any actual loss. The only way you might be able to prevent your family is to ask the post office to stop your personal mail and collect it from the delivery office personally. Again don't speak to them over the phone, just send recorded letters. It might be an idea to visit your local CAB office see if they can assist.

 

http://www.citizensadvice.org.uk/unreasonable_demands.htm

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they can do nothing to you.

 

ignore them and get on with your life

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Sorry for being a bother but this is really worrying me. I would like to ignore thme but am afraid of the consequences particularly as their letters are extremely threatening in tone. Please advise what would happen if I ignore them or send them a recorded delivery saying I can't pay and they must take whichever action they deem appropriate

Debbie 4

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real court letters are not threatening

 

thats what they pray on

people beieving their threat-o-grams

 

they can do nothing to you

 

no RLP has ever gone to court

 

totally ignore everything

it'll get a bit more scary when a dca then a 'fake' solicitor writes too you

 

but just hold your nerve

 

you might even get the great white solicitor phonig you to threaten all manner of nasty things

like killing you cat and un-burying your great grandma

fact of the matters is they can do nowt too you

 

just read those CAB reports

that'll put straight

 

sleep tiht

they've had their 15mins of fame.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thank you dx100uk . You have really set my mind at rest. I feel a good bit better now. I have hardly slept for the last four months and been absolutely sick with worry. I appreciate you taking the time to respond.

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no RLP has ever gone to court

 

:roll:

 

That may be true, literally, but in how many of the cases where proceedings were indeed issued, was the judgement achieved by default, and in how many did the defendant cave in by admitting or settling, before the hearing?

 

If the intention is to suggest that they never proceed, I call it a deliberate deception.

 

They do proceed if need to be and in the mean time a paucity of proceedings proves that RLP is wonderfully effective. The court service especially instructs to do everything possible to avoid the need for a case to be heard, so this is what we get.

 

The cost to the taxpayer, if every case had to go to court would be enormous.

 

:cool:

 

P.S.

 

To see the other side of the story, read this:

 

http://www.lossprevention.co.uk/pdf/Richard%20Mawrey%20QC%20Advice%202.pdf

 

Then decide for yourself who tells the truth, legal counsel or the CAB.

Edited by perplexity
PS
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