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    • Oil and gold prices have jumped, while shares have fallen.View the full article
    • Thank you for your reply, DX! I was not under the impression that paying it off would remove it from my file. My file is already trashed so it would make very little difference to any credit score. I am not certain if I can claim compensation for a damaged credit score though. Or for them reporting incorrect information for over 10 years? The original debt has been reported since 2013 as an EE debt even though they had sold it in 2014. It appears to be a breach of the Data Protection Act 1998 Section 13 and this all should have come to a head when I paid the £69 in September 2022, or so I thought. The £69 was in addition to the original outstanding balance and not sent to a DCA. Even if I had paid the full balance demanded by the DCA back in 2014 then the £69 would still have been outstanding with EE. If it turns out I have no claim then so be it. Sometimes there's not always a claim if there's blame. The CRA's will not give any reason for not removing it. They simply say it is not their information and refer me to EE. More to the point EE had my updated details since 2022 yet failed to contact me. I have been present on the electoral roll since 2012 so was traceable and I think EE have been negligent in reporting an account as in payment arrangement when in fact it had been sold to a DCA. In my mind what should have happened was the account should have been defaulted before it was closed and sold to the DCA who would then have made a new entry on my credit file with the correct details. However, a further £69 of charges were applied AFTER it was sent to the DCA and it was left open on EE systems. The account was then being reported twice. Once with EE as open with a payment arrangement for the £69 balance which has continued since 2013 and once with the DCA who reported it as defaulted in 2014 and it subsequently dropped off and was written off by the DCA, LOWELL in 2021. I am quite happy for EE to place a closed account on my credit file, marked as satisfied. However, it is clear to me that them reporting an open account with payment arrangement when the balance is £0 and the original debt has been written off is incorrect? Am I wrong?
    • OMG! I Know! .... someone here with a chance to sue Highview for breach of GDPR with a very good chance of winning, I was excited reading it especially after all the work put in by site members and thinking he could hammer them for £££'s and then, the OP disappeared half way through. Although you never know the reason so all I can say is I hope the OP is alive and well regardless. I'd relish the chance to do them for that if they breached my GDPR.
    • The streaming giant also said it added 9.3 million subscribers in the first three months of the year.View the full article
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    • If you are buying a used car – you need to read this survival guide.
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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.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • 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.
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      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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Hi guys.

 

today I was an idiot and shoplifted £61 worth of cosmetics from Debenhams.

 

First time offender and I am so genuinely remorseful.

 

To keep it short and sweet I've got depression/ an eating disorder and I keep doing idiotic things such as the above.

I could not be more sorry for this one though, I'll explain below.

 

Police showed up and gave me an £80 fine (I don't think this counts as a caution though, does it?)

and were actually quite lovely and understanding.

 

Debenhams security had a justifiable go at me.

I was let go immediately but not before I was told to expect a letter from RLP.

 

After some Googling I'm not entirely sure what to expect from them, but apparently the fines are extortionate and terrifying.

I could pay if I saved for a while and I couldn't bare black marks on my credit rating for this idiotic mistake - should I pay up?

 

To add injury to idiotic mistake, on the way home I received a phone call from a domestic violence charity which I've been breaking my neck to volunteer for with good news

- I got the job which starts at the end of this year. I'm so so upset because the position requires an enhanced CRB check.

 

I suppose my two questions are

A) should I give RLP money and

B) have I fluffed my chances of working for charities as a career?

 

Thank you in advance to anyone that helps me out. It's greatly appreciated.

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ignore RLP. The police have already dealt with you. RLP are just trying their hardest to trick money from you.

 

One thing to note, they are NOT fines. They have as much validity for you to pay as me telling you that you need to give me £100 for writing this post to you.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Regarding your volunteering, i couldnt say what will be on the Enhanced check, but one thing you must be is upfront and honest with them. The best thing to do is head to your main police station and ask for a copy yourself.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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You can request a regular one. Im not sure about an enhanced one, but im pretty sure that it would be up to the chief inspector or sergeant what info gets included on it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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RLP have no legal authority, no matter what drivel they put in their letters, and you should not pay them.

 

You may find that the incident shows on an ECRB - but the charity may take a lenient view if you are honest with them. Are you getting help for your mental health issues?

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No I'm not. To be honest I don't think I'm going to for a long time. I've just been putting all my energy into trying to secure this job recently, I think I'll feel better when I finally get there. Thank you for your concern though, I don't mean to throw it back at you. This is just one of those complicated things that I'm unfortunately unlikely to ever get to the bottom of!

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My point was that an employer is more likely to look at you if you show that you have insight into your problems, and are doing something about them. Otherwise, you may not be an attractive proposition. Try to look at it from their point of view; you have some issues, which you think are contributory or causal factors in your offending and other behaviours, but you won't seek help to deal with them.

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I understand. There are other ways I've found to release tension and keep myself on the ball, today was just a stupid "why not" moment that I wont do again. Neither one of my issues are immediately apparent to other people - far from it - so if I'll be fine in terms of law breaking from now.

 

I just read a few other RLP threads - is it really a case of ignoring them? Has anyone been taken to court by them before?

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RLP can't take anyone to court - they have no cause of action. Retailers have, very occasionally, taken people to court - but the numbers are very, very low.

 

The usual form is that RLP send out letters demanding money which is all they can do. Their letters are bullying in nature and full of faux legal arguments designed to scare people into giving them money. Once you know that they are utterly impotent, you will see that all they are doing is willy-waving, and you will be able to laugh at how desperate they clearly are

 

You can ignore them, but you might want to consider sending a short letter in response to their first letter:

 

Dear Sirs

 

Any liability to you or any company you claim to represent is denied. No further correspondence will be entered into.

 

Yours etc.

What you must not do, in any circumstances, is try to respond to them other than as above. Remember, their letters are designed to be scary and make it sound as if RLP has a legitimate claim, but they do stop.
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OK, thank you for that. Yesterday it didn't seem as if the matter would be taken further by the retailer, even according to the Debenhams security guard that came down on me pretty hard. Can I expect the letters to come to an eventual stop? This is really helpful by the way, thank you!

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It's possible that Debenhams security won't refer it to RLP - we don't know what their trigger criteria are - but if you do hear from RLP you are now forewarned and forearmed.

 

 

RLP are, incidentally, keen readers of this forum, and have been known to try to target people who come here for help, as well as trying to discredit CAG (and anyone else who criticises them). Have a read around some of the threads here and you will see RLP's hilarious tactics - claiming that CAG is under criminal investigation, for example, or that Magna Carta gives them a right to penalise people - utterly ridiculous and highly unprofessional, but that's the sort of people we are dealing with.

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God this sounds rather scary. I'll ignore their letters and also post what I receive on here. Just to be clear, and sorry for labouring the point, my credit rating wont be affected by RLP? Can't believe their business is even legal to be honest with you

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It is scary, but thats all it is. They cant do anything and they know it. Your credit rating can NEVER, EVER, under any circumstances be affected by RLP in any way,.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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