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    • 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
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    • 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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Halifax CC ppi Rejected


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Hi took out a credit card with the halifax around 1995 and did not know i was paying for ppi until september 2003 when i broke my left leg in two places . I rang the halifax about a personal loan i also had and because at the time of my accident i was self employed they refused to pay out . I got into a heated argument with them at the time but to no avail . So i asked to be put on the credit card side to see if that was any different . They also refused my ppi at the time so i cancelled it CC ppi . Roll on to march of this year i rang them to complain about the ppi loan as to why they did not pay out in 2003 and they paid me nearly £3500 even going back as far as 1998 on a previous loan . I decided to claim on the CC ppi and have just got back a reply today saying its rejected . I have downloaded the form from FOS is there anthing else i can do .

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Well you can either refute the points in their rejection letter with them direct or you can pass to fos.

 

What reasons for the mis-sale did you give them on the fos form?

 

What reasons did they give for the rejection?

 

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The reasons were i broke my leg and i was never told that by me being self employed i was not eglible . I did not know i had ppi or had it explained to me Paying the ppi was useless when i needed it the most .

"Halifax relpy. In light of my findings i feel that our advisor acted fairly and reasonably throught the sale . I believe that the information provided at the time of the sale was a fair presentation of the features of the policy and explained the policy exclusions and the costs of the insurance . I am also of the opinion that it was clear ,fair and not misleading therefore allowing you to make a fully informed choice .

My review has not highlighted any failings with the sale that would lead me to believe your decision to purchase the ppi policy would have changed . "

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