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    • Hi,   I searched online for an insurance company using compare the market. Sheila's wheels came out with the best quote so I telephoned them to arrange the purchase. After I had paid out the initial amount of £70 and agreed a direct debit I then cancelled my soon to expire Insurance policy. I immediately received an email from that insurance company informing me I no longer had my no claims bonus due to an accident last June. I telephoned Shelia's Wheels to explain that I had made an error, instead of 3 (which I had put on my original agreement), I had now been informed I had none. They put the policy up by another £300, so I asked to cancel. They now want to charge me 29 pound something for cancelling. I made the mistake with the no claims bonus because compare the market keeps a record of my information & this was what was in that information about me, including the date of my accident.    Do they  have a right to charge me? My insurance would have taken effect on the 15th November 2019.   Thank you.
    • I'm on happy pills (anti depressants) but they aren't cutting the mustard anymore and I do need to see my GP soon to see if he can help in anyway. With regards to gambling it's so complicated; through my life I have made money (as well as having had some jobs)  being a "professional gambler" (gambling where the odds are in your favour - think card counting for example, fruit machines years ago for a long time.... Other things.) But I've also been totally compulsive at the same time. It;'s so entrenched in my psyche that it's hard to imagine just giving it up totally. I also have drug issues that have plagued me and it's a shame because I am fairly intelligent and could have been successful in life in theory but mainly due to those two things (and not really having any drive, ambition, whatever... I could go on and on but this isn't a therapy forum :P) I've not managed to. I'm 36 by the way. Cheers
    • Oh I just remembered I have a long defaulted account with Halifax balance approx £3700 I believe (from around 2015) but they aren't chasing me for it or anything. It was actually over £5000 but they refunded me a load of unfair charges (their words)  This does however push me over the £20,000 limit for a DRO I think?  
    • Hi.   I think you've made a good start by setting out in writing what you need to deal with. People should be along later to advise on how to deal with your creditors.   For the mental side of things, have you talked to your GP about getting some help with what's getting you down? Or support with the gambling issues?   HB
    • Hi people.   So I've managed to get myself into a sorry state financially. I'm insanely depressed which I guess is common for many. I don't think all of it comes down to the financial stuff but it is really crushing me now.   Facts: A lot of debt has been due to living on credit and gambling. I don't have a job. I know I should get one but I just totally despondant at the moment (due to many reasons). I don't expect any sympathy but I thought I would share this.   It's tempting to bury my head in the sand and wait for the inevitable calls from various collections departments but I want to be as proactive as possible. I think I've cancelled all direct debits so I don't get bouncing charges from the banks...   So onto the debts:   Loans livelend; £2400 was 4k 13% interest Bamboo £3000 (only just made the first payment this month) supid interest Likelyloans approx £3500 stupid interest  One payday loan for £200 I just got to cover some bills (knowing that I'd unlikely be able to pay it) - this is the only thing I haven't cancelled with the bank as they just take it from your card   Credit cards: Aqua approx. 3900 Capital one approx. 1200 Amazon approx £500 Paypal Credit Approx £1100 Overdrafts Santander £1500 Barclays £1k limit (I don't actually pay anything for this)   So all in all approximately £18,000     I also have a negative Paypal balance of £5000 but I don't believe this classes as a debt and I don't think they can do anything about this having read up on it quite a lot.   I guess my question is what is my best course of action. Should I look to do a DRO? Should I go bankrupt? (eurgh. Full disclosure I did this 15 years ago when I was 21. You think I would have learnt!) Should I write to each creditor and offer them £1 a month? Should I talk to one of the debt charities?   It is all my fault that I'm in this state but I also know that it's not the end of the world because they are all non priority debts. I probably am slightly behind on the council tax but not significantly.   I started claiming universal credit a couple of weeks ago and had my first appointment last week but managed to miss the next one due to not being able to sleep and then oversleeping and so I guess they've probably kicked me off that already and I might have to claim again.    So yeah. I take responsibility for what's happened but I don't see any way out. I've been very depressed lately due to this and other things. There is no one to "bail me out" and I probably don't need or want that anyway. Any advice appreciated          
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London lass 222

employed/stole from TKmax, no job, thrown out livng in car - help

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London Lass 222 - Although i am not in a position to be able to offer you genuine advice i would like to point out that just because you have obviously had some bad luck and made mistakes in the past not everybody thinks you are a hardened criminal that must be punished no matter what . You must have built up a good work record and trust within the company or you wouldn't have been employed by them for the length of time that you have .

Unfortunately for you i am fairly certain that you will lose your job over this but is it really the end of the world , its certainly not worth causing yourself harm over and definately not anything more serious .

If its any consolation i firmly believe that everybody deserves a second chance and if i could i would still give you a job based on the fact that you spent so long with a good track work record i can't see any reason not to .

Good luck for the future , i genuinely do hope everything works out for you in such a way that you may have a little joy at christmas and a happy and prosperous new year . All the very best .

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London Lass 222 - Although i am not in a position to be able to offer you genuine advice i would like to point out that just because you have obviously had some bad luck and made mistakes in the past not everybody thinks you are a hardened criminal that must be punished no matter what . You must have built up a good work record and trust within the company or you wouldn't have been employed by them for the length of time that you have .

Unfortunately for you i am fairly certain that you will lose your job over this but is it really the end of the world , its certainly not worth causing yourself harm over and definately not anything more serious .

If its any consolation i firmly believe that everybody deserves a second chance and if i could i would still give you a job based on the fact that you spent so long with a good track work record i can't see any reason not to .

Good luck for the future , i genuinely do hope everything works out for you in such a way that you may have a little joy at christmas and a happy and prosperous new year . All the very best .

 

Can I concur with this post.

 

My own gut instinct is similar. It may be that they follow the investigatory procedure and then involve the police but it does strike me odd that they haven't already. It is a case of wait and see.

 

The loss of job is very likely as is a reference.

 

We will have to see whether RLP get involved although I have to say that is almost a certainty.

 

London Lass, you should have noticed that no-one here has judged you because of your actions and that is what makes CAG such a great place to get advice.

 

I personally wish you luck. :-)


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Thank you all so much. I feel a little better I rang the samaratins and they made me see it isn't the worst it could be.

I really do appreciate the understanding and advice you have all shower and given

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Hi London lass

 

Your priorities are,

1) Find accomodation - Shelter, local council, you can't live in your car, especially as the weather can turn very quickly,

2) Food - Foodbank,

3) Lots of solicitors give free advice, just Google one for the London area,

 

O.K. you've made mistakes, but lots of people do, lots of people go on to do great things, you've got friends, us.


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The police have just rang me. They only have CCTV footage of me last week but I have admitted everything in my statement. What should I do I'm so scared

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If you have to go to the police station, you will be entitled to free representation from a duty solicitor. I encourage you to take it. You will be entitled to Legal aid. Try not to pre--empt what will happen. Nobody knows as yet.


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I asked the police man and he said with it being my first offence and with me being so honest so far it could be a caution. I'm glad it's moving on. Rang the Samaritans again it helped taking to someone

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Like i said earlier. Say absolutely NOTHING to the police until you have a duty solicitor. Tell the solicitior the truth, and let him speak on your behalf unless you are asked a direct question. Then wait for him to say if it is ok to answer or not.

 

You are looking at it as if it is a severe offence. In reality it is a minor theft offence, which you are ready to admit in the presence of a solicitor and pay back. That means you will be entitled to the mandatory discount for admitting at the first opportunity.


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

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I completely agree with the advice already given. Full co-operation, complete remorse and avoid blaming anybody else. Think about WHY you actually stole the money - was it to just try to survive, or due to pressure to repay debts? Emphasise the devastating effect that this has had on yourself and those around you, and the fact that you have been made effectively homeless as a result. Make a full offer of repayment for the amount stolen and you may well end up with a caution or community punishment, but take the advice of whatever legal representation you can get.


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The Retail Trust also offers help:-

 

http://www.retailtrust.org.uk/


Welcome to Consumer Action Group

 

'Challenges are what makes life interesting; overcoming them is what makes life meaningful.'

Joshua J. Marine

 

1) CLAIM BACK ALL PENALTY CHARGES CLICK HERE

2) CLAIM BACK ALL MIS-SOLD PPI CLICK HERE

3) COMPOUNDED CONTRACTUAL INTEREST CLICK HERE

4) REQUEST CCA FROM CREDITOR CLICK HERE

5) OFT- UNENFORCEABLE AGREEMENTS CLICK HERE

6) CAREY V HSBC (2009) CLICK HERE

7) DON'T BE BULLIED BY CREDITORS / DCA's CLICK HERE

8) IN DEBT DON'T PANIC CLICK HERE

9) FULL AND FINAL SETTLEMENT CLICK HERE

10) SALE OF GOODS ACT-EDUCATE YOUR RETAILER CLICK HERE

11) DISTANCE SELLING-EDUCATE YOR RETAILERCLICK HERE

12) SOGA SUMMARY CLICK HERE

13) WHICH? TEMPLATES [/url]CLICK HERE

14) DOES YOU BANK TREAT YOU FAIRLY BCOBSCLICK HERE

15) EVERYTHING HOUSING CLICK HERE

16) UTILITY BACKBILLING CLICK HERE

17) OFGEM - COMPLAINTSCLICK HERE

18) OFCOM - COMPLAINTS CLICK HERE

DON'T GIVE UP, THIS SITE WILL PROVIDE YOU WITH GUIDANCE AND EMPOWERMENT

 

Don't forget to donate to this site

 

Please let us know how your problem has been resolved, it could help fellow Caggers

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Is there any update to this.

 

ll I can say is that sh1t happens. Maybe and this is just a maybe , if you do get a conviction you could end up getting the support and help you need. The probation service have lots of resources.

 

As for punishment , no one can say what will happen. It is not guaranteed that you will have to pay the money back if you don't have it and don't have a job. Sentencing should be designed to punish and rehabilitate the person .

 

Please trust me when I say it is not the end of the world


Any opinion I give is from personal experience .

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