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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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will Welcome repossess ?


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Hi all and great forum

I have a Welcome finance secured loan for £26k.

 

I have defaulted and am not paying regular amounts into it.

 

As it is a secured loan can and would they repossess for 26k ?

 

Also is there a way I can find out if I have ppi on the loan

 

Thank you

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I have never known anybody who have had their house repossessed by welcome.

 

I will dig it out but their has been a precedent set where Welcome have stated they do not repossess as they insist that mortgage indemnity fee is included on the agreements

 

Do you have mortgage indemnity fee on your agreement? they always did it as a rule but needs confirmation

 

I believe it was Welcome v Griffiths that supported this

Edited by squaddie
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Thanks for the reply. To be honest I don't know. I no longer have any of the original documents, not sure what happened to them. I'm 99.9% sure we didn't take out ppi as it was so much more expensive but have no idea about the indemnity.

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Do you, or do you not have a copy of the finance agreement

 

you should have two

 

A pre contract, and a normal secured loan agreement

 

I have found a

blue 'copy of proposed credit agreement'

yellow 'fixed sum loan agreement'

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I need you to scan and post up that agreement onto your thread

 

google a program called photo bucket

 

delete your personal details but leave in the figures

 

IT IS THE YELLOW AGREEMENT

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I don't have access to a scanner.

I'll be able to do it at work tomorrow. What is it your looking for, anything specific ?

 

Just found another copy of the loan agreement in 2008 which is when we re did the loan as we couldn't afford the payments. Also mortgage indemnity amount is £0.00 as it is on the other original one

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At the moment we are supposed to be paying them £363 per month and I just can't afford it.

 

I understand we owe them the money but we are in a dm with payplan at 250 per month

- welcome at 363 p month plus the mortgage - 3 children - etc etc

 

All the woman keeps saying is

'well you do realise that as a secured loan we are entitled to repossess the property'

 

I can't work any harder and my wife has just set up in business on her own

so a bright future but need 12 months out of this doodoo

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I want life to go back to how it was, had a nice motorbike and caravan, went away for weekends. Never had bundles of cash but always seem to have £20 in my pocket. Now that has to feed us. Great parent.

 

Sorry just low at the moment..

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  • 2 weeks later...

As already said, you need to scan the yellow copy loan agreement up for us to see.

 

Delete all your personal info on MS paint and put up here on a pdf file (you can find free pdf converters online)

 

Then we can give you further advice.

 

Law

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  • 2 weeks later...

Let me know what happens.

 

We've got a secured loan with Welcome (probably about £18k),

we did default (on and off for about 4 years) for a while but I'm paying now.

I did also pay a little bit over the contractual for a while, to try and catch up, but I've stopped that now.

 

they phone me at least 5 times a month asking if they will get the payment that month

(they've had regular payments for about a year ), and demanding a direct debit be set up (I pay by card/cheque),

despite me telling them in writing not too, and they phone me at work (where I just put the phone down on them).

 

I didn't pay for probably up to 6 months but they NEVER threatened repossession or anything like it.

 

When they had an office near us they used to call round occasionally.

I just ignored them.

The office shut and they lost their jobs.

 

My account is now under Milton Keynes office,

they phoned a couple of months ago asking for a direct debit to be set (no hope)

and said they may not be there much longer (I wish).

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