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    • I have been living with my partner since 2013. But after the birth of our son in 2014 things became unstuck. We were living together but I was making plans to move out, even viewed properties etc and therefore began claiming CTC and WTC to ensure that I could afford to go it alone. Eventually we worked it out but it has been on and off for years. In addition to this, I was in a lot of debt, had lost my job and knew that (selfishly) I needed the tax credits to keep my head above water.  My partner has no idea that I was claiming and if he finds this out he will leave me for sure. The house, the bills, everything is in his name. I work but I dont make enough money to contribute to the house as well as pay all my existing debts (my partner doesn’t know about half of these either). I  once had a bailiff call at the house and I had to tell him about it. He was so angry and mortified (as was I) and I just feel like I am bringing so much shame onto our family. I have been living this lie for 6 years and I couldn’t find a way out of it. I know I have made a huge mistake. I just want to pay it back and try to move on from it. I’m worried that I will have to go to court, prison, or they will want to speak to my partner about it. I really don’t want him to know about this because it’s so shameful. From my estimations it could be between 28-30K. I have absolutely no idea how I will pay it back, as we wouldn’t be able to claim any further credits as a joint claim because he earns too much money.  I haven’t eaten or slept in days. I feel physically sick and I just can’t cope with the guilt and humiliation. I did make false claims and now I’m worried I will pay the ultimate price and lose everything I have.    
    • Hi All,   Hoping for a little help and advice please.   This company Link Financial are chasing me for a debt that I had as a credit card with Royal Bank of Scotland. Out of the blue and having no correspondence from RBS a few year back this company claimed I now owed them the sum of money. I have written in response stating I do not acknowledge any debt to Link financial and asked them to supply evidence of liability. I also requested a true copy of the alleged agreement, a full statement of account, a signed true copy of assignment and any other documents referred to in the agreement. I also enclosed  a £1 payment for the credit agreement request and clearly stated that this £1 payment under no circumstances should be set aside for any alleged debt and if the documentation can't be supplied the fee should be returned.   Link's response was just a small statement of account with credit agreement number, account number (same as the RBS number), date of agreement and transaction sheet where they had taken the £1 fee off the debt value after I asked them not to. There was no true copy of assignment, true copy of alleged agreement or evidence of liability.   For reference, In 2009 my debts started to mount after my wife I had lost a child and we weren't at work for months, so ended up paying the mortgage on a credit card. Eventually it got too much and the RBS took me to county court in 2011 where I received a CCJ and then RBS was granted a charging order on my property which is in my name only. I was ordered to pay a monthly fee.    I received my first letter from Link in 2016 just stating, we have not written to you in some time as we have had to locate your address. We would like to discuss your intentions regarding the outstanding balance on  your account. I had no correspondence from RBS about this so I thought this was a scam company.  Unbeknown to me I also realised the monthly payment to the RBS had stopped being taken directly from my account.   After a few letters backwards and forwards about me disputing Link and this debt today 26th February 2021 I have now received another letter from Link stating. As you are aware a charging order on the beneficial interest you have in the property at.........has been secured. They are now seeking payment and will accept monthly payments on the account in accordance with my current financial situation. If I chose not to settle in full or fail to complete and return the form below or contact them within 7 days they will take further legal recovery action. There is a little boxed section at the bottom monthly or weekly payments for me to fill in and send off.   I'm really at my wits end now of what to do next. I have two years left on my mortgage and finding it really hard to get through that two year financially, especially since this pandemic has really hit home money wise. The last thing I need is the family home to be taken away especially with a 10 year old in the home.    I really appreciate any help and guidance. Thank you.    
    • OK lets pick out a few words in the ramble   Free energy?  Slavery?  Constructive manslaughter?  Weaponised energy of 5g Biowarfare Only wearing medical masks for criminal intent   Please may I suggest an extra layer of foil on the tin hat?    Oh and FYI there is no class action in the UK... 
    • i thought that was the point of mediation, to show them that you think they havent got a case to go to court with? I realise you know far more about this type of thing than i do though, but i thought that not fulfilling the CCA properly - ie by not supplying t&c - was an automatic fail at court for them.   I dont know what to do now -   @Andyorchcan i have your thoughts too please   the hassle just makes you feel like giving in to them
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

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Hi all, I'm looking for some advice...went shopping this morning at Tesco and as I got my trolley I put my handbag in there

 

Got some shopping,about £40 worth and was about to make my way to the checkout when I thought I'd look for some makeup as I'm going out this weekend.

 

I decided to get a lipstick and put it in the trolley then made my way back to the checkout when I bumped into someone and stood talking for ten minutes or so

 

Went to the checkout put all my shopping on the belt,paid and left.

 

I'd just got outside when two security guards shouted excuse me have you any items you haven't paid for? To which I said no..he asked for my receipt which I showed him and then asked me to come back in,at this point it dawned on me that I had picked up the lipstick last minute and didn't recall putting it on the belt

 

They marched me through to the back room and asked me to remove my bags from the trolley where the lipstick was under my handbag,at this point I was close to tears and tried to explain it was a genuine mistake and offered to pay right away but they didn't acknowledge what I was saying and asked me to wait there,left the room and comeback 15 min later asking if I had any identity on me,I said my bank card,gave it him and again apologized and offered to pay for the lipstick,again he ignored me.

 

I then said what's going to happen will the police be called? He said no you're lucky the value of goods was under £10 meaning we can issue you with a bang from store fir 12 months and you'll get a fine through the post

 

He gave me a sheet explaining the ban and a sheet from rlp saying my info might be shared with third parties and that I will have to pay for the goods plus a fine...I wasn't asked to sign anything

 

I'm really worried about what will happen next,feel ashamed and also angry that it was a genuine oversight and I never meant to steal anything but wasn't allowed to try and explain myself

 

Please help,will I have to pay a massive fine? Will the police get involved?

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The only thing that will happen next is RLP will send you a few letters with veiled threats. DO NOT PAY THEM ANYTHING.

 

When you get jackies letters, come back here and we'll give you a letter to send to her. Be warned, she loves to intimidate and threaten people into paying. She and her company have absolutely NOTHING to do with the law, so do not give in to her purile demands to pay her. The shop has already washed their hands of you and have forgotten about you. You need to do the same to RLP.

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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@renegadeimp...thank you so much for your reply,the security guard made it sound like I'll be receiving a demand for a big fine and if I don't pay up immediately the police will be the other option...he said apparently they recover costs incurred for the time they've wasted to deal with me aswell so I can mount up?

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@renegadeimp...thank you so much for your reply,the security guard made it sound like I'll be receiving a demand for a big fine and if I don't pay up immediately the police will be the other option...he said apparently they recover costs incurred for the time they've wasted to deal with me aswell so I can mount up?

 

At the time of writing you have only looked at this thread. It would serve you well to read other threads in this forum about RLP.

 

You will very quickly get the idea of what they are about.

 

You will receive a "speculative invoice" from RLP. It is not a fine. It will be followed by all types of threats, intimidation and pleadings to pay them money.

 

Do not pay them anything, do not let them intimidate you.

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ALso remember that only the police or courts can issue a fine. RLP is a private company and as such cannot do ANYTHING to you at all. As IMS has said, have a good read of the RLP forums, you'll soon breathe a sigh of relief.

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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At the time of writing you have only looked at this thread. It would serve you well to read other threads in this forum about RLP.

 

You will very quickly get the idea of what they are about.

 

 

 

Hello...I've had a quick look around based on your advice,and reading threads on here it has put my mind at rest some what...I also looked at rlp website which I have to say looks pretty scary when you read the section regarding what will happen if you don't pay...according to their website,they can ultimately send county court bailiffs to your home? Is this a possibility? ...they also mention people taking advice from a consumer website (this one?) and strongly advise against it as the people who have ended up paying more in the long run

 

I'm new to all this,so just want to be sure I'm doing the right thing before ignoring their letters...reading threads on here though seems to suggest that it's the way to go,are they just scare tactics on the rlp Site?

 

Thanks again for the help I really appreciate it

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Listen to the advice on here and you won't go wrong, look for my post I have put the letters on that I received from RLP that will give you some idea what to expect. Keep all the letters together the DCA will be around in about 9/10 months. When the time comes just write the one liner to RLP.

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@renegadeimp...as mentioned their site suggests that they can get bailiffs involved for non payment..is this wrong?

 

Completely 100% wrong. bailiffs will NEVER be involved. Ever.

 

Forget about what jackies website says. Even in court she was railed by a judge. She then went on her site and said the judge was completely wrong. That just shows what kind of mentality she has.

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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Renegadeimp,thanks so much...really can't believe that these people can use tactics like this! Thank goodness for sites like this :-) I've done some more reading on here of some ofvthe threads regarding rlp and I am definitely going to take the advice from here...I will update as and when I receive any letters...thanks again :-)

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Hi

Just to be absolutely clear, the only way a bailiff could get involved is if Tesco took you to court. They won't as it is not in their interest to do so.

 

RLP cannot take court action independently of Tesco.

 

After a retailer and RLP got a massivbe slapping in a fully defended claim at Oxford court, we have heard of no other cases being taken. In fact, if you were to visit the RLP website, the last case listed there is July 2012.

 

These letters are staying just this side of harassment (IMO) as they don't state what 'WILL' happen, only ambiguous statements containing 'may', 'could' 'might' and 'recommend'.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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If you do post any letters always remember to remove any personal details. Certain people do look at these sort of sites

 

Thank you for the heads up,I'll be sure to remove any details before posting :-)

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Hi

Just to be absolutely clear, the only way a bailiff could get involved is if Tesco took you to court. They won't as it is not in their interest to do so.

 

RLP cannot take court action independently of Tesco.

 

After a retailer and RLP got a massivbe slapping in a fully defended claim at Oxford court, we have heard of no other cases being taken. In fact, if you were to visit the RLP website, the last case listed there is July 2012.

 

These letters are staying just this side of harassment (IMO) as they don't state what 'WILL' happen, only ambiguous statements containing 'may', 'could' 'might' and 'recommend'.

 

I did in fact notice that their successful cases were no more recent than 2012 now I see why!...so I am correct in thinking that I need to completely ignore any letters they send regardless of how threatening they seem? How long roughly does it take for them to give up trying to make you pay? From what I can gather reading here,around 6 months is the usual timescale?

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Tesco won't do it which is why they pass these civil recovery claims to RLP to do the chasing for them in the hope some mug pays up.

 

All that will happen is that you will get a few letters from RLP who then pass it on to their 'specialist' debt recovery practice :lol:

 

They send you a few more begging letters followed by one where they will say that they will recommend to their client that they take action.

 

Now remember, the DCA is acting on behalf of their client who is RLP. RLP cannot take independent action so after all the stress, what will happen......

 

Bu**er all :-D

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Thank you silverfox, I just wanted to be clear that I won't cause myself any more trouble by ignoring the letters from rlp...I will certainly be taking all the advice I've been given here as I said earlier and can't express how thankful I am for everybody's kindness,I feel much much better about the whole thing now

I will continue to update you all...thank you once again

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On the first letter send the one liner just to cover yourself. Then when the DCA get involved you have covered yourself. Mine as been going on since March last year to give you some idea. Now the DCA have taken over but there is a letter you can send them as well so no worries there.

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Hi pawsforthought...is it best to reply to their first letter with the one liner then as opposed to ignoring it all together? I take it they don't give up too easily then going off your experience!

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Hello all,sorry to be a pain but I'm now sitting here with the thought going through my mind of the days events,I think the reality of what happened is now hitting me and I'm plaguing my mind with the thought of will all of the staff know about this? Thing is,my friends relative works in there and obviously I don't want the shame of people knowing about this...will Tesco tell all their staff about people they have banned or is it just the security people that know the details of this? I'm upset aswell as I know how it looks but I honestly did make a mistake and just feel mortified by the whole thing now :-( sorry to go on...

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I doubt they have a "Wanted Dead or Alive" wall, it will just be their security meat heads. I had a similar experience with Asda, forgot to take shopping bags from car and grabbed one of the green plastic baskets and went about my shopping. Paid for items and put shopping back in basket and headed out towards my car. Upon leaving exit alarm thingy went off and i continued on towards my car, next min two meat heads were all over me and one grabbed me by the shoulder. I was 10 foot from my car and knew i had paid for everything in the basket and it was the security strip on the plastic basket that had set the alarm. Told the security guy to remove his hand from my shoulder and told him that once i had placed my shopping in my car they could take the basket and stick it where the sun never shines.

 

Awful experience you have had and it is so easily done especially with kids. If i was you id shop at Sainsburys as they are better and just as cheap/expensive.

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Hello all,sorry to be a pain but I'm now sitting here with the thought going through my mind of the days events,I think the reality of what happened is now hitting me and I'm plaguing my mind with the thought of will all of the staff know about this? Thing is,my friends relative works in there and obviously I don't want the shame of people knowing about this...will Tesco tell all their staff about people they have banned or is it just the security people that know the details of this? I'm upset aswell as I know how it looks but I honestly did make a mistake and just feel mortified by the whole thing now :-( sorry to go on...

 

The matter will be finished with as far as Tesco are concerned. Some stores have a wall of shame but this is not widespread - and depending on who has access to that area it would also be a breach of data protection laws. Similarly, details of who has been stopped are not routinely shared around amongst staff

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

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Personality I would send the one liner after you receive the first letter that way you have covered yourself and don't have anymore involvement with them. Keep your head up and be strong don't let it get you down.

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