Jump to content


  • Tweets

  • Posts

    • The US tech giant blamed the attacks on Hafnium, a state-sponsored group operating out of China. View the full article
    • Airlines in the region are coming up with different strategies to tackle the pandemic travel slump. View the full article
    • The 46,000-year-old Juukan Gorge rock shelters were destroyed to make way for an iron ore mine last year. View the full article
    • yep did warn of this before.   let it run they'll sell it on.  
    • Update from FOS. They have sided with Tesco Bank. Their main reasoning for this is due to "floor limit's"   Thee statement the FOS put is as follows: "Regardless of who the retailer is, it’s not unusual for stores to have the aforementioned ‘floor limit’ in place. And if the store doesn’t request authorisation from Tesco for the transaction to be approved then it doesn’t have the opportunity to decline it, and once the transaction goes through Tesco has an obligation to pay that amount even if it takes the consumer over the agreed limit.   So based on the information that I currently have I can’t find that Tesco’s done anything wrong because it’s correctly applied the over limit charges as per the terms and condition of the credit card.   And while these same terms and conditions state Tesco has the ability to stop transactions and prevent consumers going over their limit, again this is only possible if the retailer requests authorisation for the transaction.   But there’s also no obligation on the business to stop these transactions, the terms and conditions say that it can or may stop them but don’t state that they will.   It’s important to remember that ultimately it’s always the consumer’s responsibility to manage their account and make sure that they stay within the agreed credit limit. It’s not the business’ responsibility to manage the consumer’s account for them and stop them from going over the limit."   If all merchants have floor limits then what's to say for example Currys having a floor limit of £500 and someone with a credit limit less that £500, does this mean the transaction goes through?   It seems like this so called floor limit is an excuse for Tesco's to make money.
  • Our picks

    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • 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

Please note that this topic has not had any new posts for the last 2369 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hello everyone,

 

I have already read quite a lot of things here,

and I have seen that everyone is trying to help as best as they can,

and I was just amazed by that.

 

I'd like to apologize if there are some things that you don't understand,

I am french, just trying to do my best.

 

two days ago I stole 3items from Primark in Picadilly with my boyfriend.

I know how bad it is, and how I should have thought about that before doing that stupid thing.

 

It was the first time I ever steal and same for my boyfriend.

 

We are both 16. Even though, we bought some stuffs (3items) the security obviously got us.

 

I have the Algerian/dutch nationality so he used to be like 'if you can't talk to me in Arabic,

than I will only let your boyfriend leave'.

 

we gave our ID,

gave the items that we have stolen,

they took a picture, and

then he asked us our email address

saying that if our parents aren't checking on it,

then we're lucky because they won't know about it.

 

No police were called, and as we were alone in England,

he let us leave without a 18 year old person.

 

Now, I have different questions:

Would it be a letter?

Or could it be an email as well?

 

I know that what we've done was so so wrong, and we'll just never do it again.

But the thing is, my parents just CANT know at all.

I should have think about that before, right.

 

Also I read that we don't have to pay the fine etc,

but if we pay it, would they only send one letter?

 

I know that I shouldn't pay for that,

but I'd just like to think about something else,

because I feel so ashamed and guilty about it even if I deserve it.

 

Thank you to all the people trying to help me, thank you a lot..

Link to post
Share on other sites

firstly

 

it is NOT A FINE

 

and they have NO LEGAL STANDING whatsoever.

 

RLP letters come in unmarked envs anyway

 

DO NOT PAY THEM ANYTHING

 

it WILL NOT stop the letter.

 

your BEST course of action is to TOTALLY IGNORE THEM.

 

there is a very like thread from somewhile back

 

that details a very like 'case' to you

 

i'll see if I can find it later.

 

bottom line - IGNORE RLP.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Hello dx100uk,

 

Thank you for your reply!

 

Alright, but then I have read somewhere that letters are not adressed to parents,

 

and that they won't know unless you don't pay etc.

 

.but is that possible when you are under 18 that your parents dont know about it?

 

Yes, I'd like a look at this case if you can find it!

 

And I get it, I don't have to pay rlp.

Thank you again

Link to post
Share on other sites

Hi Candidissou

 

Letters will be sent to the address that you gave the security guard. As DX they do like sending letters, quite a few, they are meant to scare you into paying. They are not fines, just speculative invoices without a breadown of costs, even if they have a breakdown, Primark's business model does take account of losses through theft. If you get letters, remove personal details and scan the letter.

Link to post
Share on other sites

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites
Hi Candidissou

 

Letters will be sent to the address that you gave the security guard. As DX they do like sending letters, quite a few, they are meant to scare you into paying. They are not fines, just speculative invoices without a breadown of costs, even if they have a breakdown, Primark's business model does take account of losses through theft. If you get letters, remove personal details and scan the letter.

 

Hi rebel11

Thank you so much for replying!!

I got what you said.

I gave the security my parents adress, which is on my ID, considering that I am 16 I didn't have the choice.

So would you have any idea of something I could do so that my parents will not know?

Thank you again for answering, this is so nice of you.

Link to post
Share on other sites

If your parents live overseas, just contact them, tell them. You might have to be creative. They might send a letter, they might not.

 

Hi rebel11

Thank you so much for replying!!

I got what you said.

I gave the security my parents adress, which is on my ID, considering that I am 16 I didn't have the choice.

So would you have any idea of something I could do so that my parents will not know?

Thank you again for answering, this is so nice of you.

Link to post
Share on other sites
If your parents live overseas, just contact them, tell them. You might have to be creative. They might send a letter, they might not.

 

They'd kill me!

Alright.

And do you have any idea of why they asked us our email adresses?

Link to post
Share on other sites

Everyone makes mistakes, you made a mistake. Primark suffered no loss, the products were returned.

I'm not sure why they asked for your email. Maybe because everyone these days asks for email addresses.

 

They'd kill me!

Alright.

And do you have any idea of why they asked us our email adresses?

Link to post
Share on other sites
Everyone makes mistakes, you made a mistake. Primark suffered no loss, the products were returned.

I'm not sure why they asked for your email. Maybe because everyone these days asks for email addresses.

 

A big mistake.

Right, because with all of what I have read, no one ever had an email instead of a letter.

Thank you again rebel11, so nice of you helping!

Link to post
Share on other sites

Hi and welcome.

 

To add to the above advice and RLP contacting yours or his parents.

 

It may need ONE letter being sent to RLP with a couple of lines of text.

 

"Any liability to you or any company you claim to represent is denied."

" This is a personal matter and as such I deny you the right to contact any third party."

 

This should stop them writing to your parents. If they fail to adhere to your letter, you could then make a claim against them for harassment.

 

From 1 October this year, taking court action against a company that is misleading people or using aggressive tactics, is much simpler that before.

 

The Consumer Protection from Unfair Trading regulations (CPUT)will be beefed up which may make RLP sit up and take notice.

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

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites
  • 3 weeks later...

Hello everyone,

 

I'm back on the forum since my last post on August:

''We are both 16. Even though, we bought some stuffs (3items) the security obviously got us.

I have the Algerian/dutch nationality so he used to be like 'if you can't talk to me in Arabic,than I will only let your boyfriend leave'.

 

we gave our ID,

gave the items that we have stolen,

they took a picture, and

then he asked us our email address

saying that if our parents aren't checking on it,

then we're lucky because they won't know about it.

No police were called, and as we were alone in England,

he let us leave without a 18 year old person.''

 

I just got the letter, and I wanted to know if some of you could help me with any advice?

I learnt that we musn't pay the fine, mine is of 180pounds.

May I post the letter on the forum for you to have more informations?

 

Thank you to all the amazing people always trying to help others with silly mistakes they've done..

Ps: Sorry for my english mistakes as well, i'm a french citizen but i'm trying to do my best though!

Link to post
Share on other sites

Hi.

 

Your case is slightly different to the usual RLP cases we get as you are under 18. Normally we would say ignore the rubbish but is has transpired recently that RLP will write to your parents as you are under 18 and IF you live at home with them. If you live alone, they will say they will wait until you are 18 before chasing you again.

 

If you live with your parents and you don't want them to know about this, you will need to send ONE letter denying any liability to them and also refusing them any rights in contacting any third party (your parents). After that, you can safely ignore any further letters

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

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

Is this an update on your original situation, ?

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?431219-Shoplifting-in-Primark./page2

 

If so, I will merge your threads :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Hi silverfox1961, and first of all thank you for your quick reply.

 

Indeed, I live at home with my parents and they don't know any about this, i managed to get the letter before they did (LUCK!!)

 

you recommand that I send them a letter saying that I refuse that they contact my parents,

but then my boyfriend has a flat, so should I put his adress so that they send letters to this adress instead of mine

so that my parents don't know about it?

 

Because what I mean is if I only tell them not to send letters to my parents,

they will still send letters at my home,

which is actually as if they were sending it to my parents.

 

hello citizenB, yes it is an update on my original situation!

Link to post
Share on other sites

Righto, I will put both threads into one so people have the full history and don't have to keep asking you questions you have already answered :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites
Hi.

 

Your case is slightly different to the usual RLP cases we get as you are under 18. Normally we would say ignore the rubbish but is has transpired recently that RLP will write to your parents as you are under 18 and IF you live at home with them. If you live alone, they will say they will wait until you are 18 before chasing you again.

 

If you live with your parents and you don't want them to know about this, you will need to send ONE letter denying any liability to them and also refusing them any rights in contacting any third party (your parents). After that, you can safely ignore any further letters

 

silverfox1961, and first of all thank you for your quick reply.

 

Indeed, I live at home with my parents and they don't know any about this, i managed to get the letter before they did (LUCK!!)

 

you recommand that I send them a letter saying that I refuse that they contact my parents, but then my boyfriend has a flat, so should I put his adress on the letter so that they send letters to this adress instead of mine,so that my parents don't know about it?

 

Because what I mean is if I only tell them not to send letters to my parents, they will still send letters at my home,which is actually as if they were sending it to my parents.

Link to post
Share on other sites

quite honestly I would not do anything.

 

 

you write saying do/not use this/that address

they'll use that against you as a embarrassment tool.

 

 

there is another long thread here that involved someone under 18

go read that

 

 

same forum as yours

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...