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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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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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the long road ahead - Abbey/Santander - *** SUCCESS ***


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They can only set off against notified arrears so if the current loan is up to date then the refund must come to you UNLESS you have any arrears on any other accounts within the same banking group.

 

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If your overdraft is within an agreed limit then the refund should still come to you as you have not breached any terms of the OD.

 

Having said that, some might say that paying off the OD would not be a bad idea to reduce the charges you are paying.

 

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If you haven't got the figures for the loan you can just send in a completed fos questionnaire as a speculative claim and see what comes back.

 

Without knowing how much you borrowed and the PPI premium added to the loan then it won't be possible to work out how much PPI was paid.

 

If it were me I would SAR them

 

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You can narrow the SAR to the accounts you are interested in by giving the relevant account numbers. Or you can give all account numbers and add a line to the SAR that it is not just limited to these accounts but is for any and all accounts ever held.

 

Send recorded to the registered office addressed to the Data Controller

 

Santander UK plc. Registered Office: 2 Triton Square, Regent's Place, London NW1 3AN

  • Confused 1

 

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  • 1 month later...

To issue for non compliance I think will be about the £30 mark. They will have to give you everything they hold on you.

 

Have you read this thread?

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?208966-Me-and-Them-SAR-non-compliance-claim.-**SUCCESS**

 

A compliant to the ICO may help if you don't want to go the court route to start off with.

 

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  • 3 weeks later...

You need to work out what percentage of each repayment was for PPI.

 

What is the amount of the cash loan?

 

What is the amount of the PPI loan?

 

What is the total monthly repayment?

 

What is the date of the first repayment?

 

What is the date of the last monthly repayment?

 

What is the date of the settlement?

 

What does the loan statement show as regards the settlement figure i.e. balance before any rebate was applied?

 

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If you are worried about being identified then PM them to me although for a PPI claim I don't see why that would be an issue?

 

The reason I ask for them is that you seem to be having problems with the maths. If you would like me to start you off, I need the figures.

 

Thanks

 

ims :-)

 

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OK got your PM.

 

In your spreadsheet you should list the 45 payments of £16.40 you made against the PPI part of the loan.

 

You then need to make a final entry for the settlement. you calculate the final entry as follows.

 

Your PPI part of the loan is 16.04% of the total (given by PPI Loan / Total Loan x 100).

 

Apply that percentage to the settlement figure before the PPI rebate but after allowing for the interest rebate and you get £280.98.

 

Deduct the PPI rebate of £42.15 from that figure and you get £238.83 as the final entry in the spreadsheet. The date you use for this entry is the date of settlement.

 

That is the spreadsheet completed.

 

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Yes the spreadsheet is your claim amount.

 

The interest charged by the bank is included in the monthly repayment you made so you have claimed that back via the spreadsheet.

 

The 8% is the extra you will get back on top.

 

You need to complete a fos questionnaire available from here

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

 

Send a print of the spreadsheet and the completed questionnaire to the lender with a brief covering letter effectively saying "Here's my claim, give me my money back"

 

They will have 8 weeks to investigate and give you a final decision.

 

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You only need a brief covering letter because all of the reasons for the reclaim have been given in the completed fos questionnaire. There isn't a template for it.

 

If it were me I would send the stuff to their registered office, recorded delivery so you know when they get it.

 

The three items you mention above are all the enclosures you need to send.

 

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  • 3 weeks later...

This is good news and if you calculated £1,693 an the offer is £1,607, I would say that is pretty good.

 

Your offer letter should break it down into premiums paid, associated interest and the 8% portion.

 

Let us know when you get the money and we can update your thread title to reflect your success.

 

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