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    • 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?
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RLP letter ! please help


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Hi everyone , this is an excellent idea to find help , im new to this , and a big Thank's for that .

 

Now I'll tell what happened .

I've done one single swap price at retailer , this is my fist time and last , when i had done something illegal , I'll definitely not doing it again never .

 

The police IT WAS NOT involve , the item was returned back as i took it from shelf and i was scared for first time ,

and i sign a thing about BANNING , i tried to read it but the guy there explained to me that im gonna be banned from tesco ,

 

 

he was trying to make me sign it ,

my girlfriend was with me as well .. i don't know if she is in that kind of category -

> "involved ", even if she didn't know and do nothing wrong .. and they put her to sign as well

 

AND...now we both have a "gift" from RLP where they asking 115.75£ ...each

 

Now my question is , let's say i ignore the letter , let's say i wont pay it ,

 

What if they take me to the court ?

What if they have prove against me like cctv video ?

 

 

why they mention in letter about "take legal advice" ...

or " We are required to refer you to the Practice Direction for Preaction Conduct[....]

.The Court has power to impose sanction on any party who fails to comply with the Practice Direction "

"We are also required to inform you that ignoring this letter may lead to our client starting proceedings .."

 

What should i do , i need someone to explain me , has anyone try not to pay them and then at somepoint the RLP give up ?

 

Should i try to send the letter in here ?

 

Thank you very much for your time !

Edited by citizenB
edited out retailer name
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Hi and welcome to CAG. At least you did your research before responding to RLP

 

If you haven't read this yet, I suggest you do so.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?448994-RLP-FAQ-s.-What-do-they-mean-Reviewed-September-2015&p=4762870&viewfull=1#post4762870

 

Let us get this clear. ONLY the retailer can take any action against you or your girlfriend. RLP can threaten whatever they like but at the end of the day, that is all they can do. They can take no direct action...EVER!

 

You will notice on the letter that RLP state 'may'. Nowher will it say 'will' as they cannot do so, nor can they read the minds of the company's bosses.

 

Since July 2012, RLP have not bragged about any cases on their website. This is mainly down to the fact that NO cases have been taken since that time after A Retailer (and RLP and the security) got seriously slapped down.

 

As I said, only the retailer can take action (they don't) and if they did, they could never claim the inflated amount that RLP is demanding.

 

Also, as no pilce were involved, there will be nothing about this on any criminal checks by employers.

 

Are you under 18?

Edited by citizenB
edited out retailer name

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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Thank's a lot for your quick reply and for your help .

I'm 21 . And yes you are right , after i read that it seems they really try to scare people and try to get that amount...but no chance ..

I'm gonna ignore it i won't pay , I'll wait to see what happens next and I'll come back here if smthing goes wrong .

I rather prefer to make a donation to this site instead of paying them.(can i use that link above in future for donation ? )

 

What happens if i leave the country at somepoint cause I'm not from here , will they chase me ? And oh yeah another thing ... can they let other people know like important person from where i work , about what I've done or stuff like that create me problems , I'm employee that's why I'm asking.

Thank you again Silverfox , appreciate that.

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Glad you are over 18. Totally ignoring RLP is the best idea. Expect anywhere between 3 and 6 letters over the next year followed by 2 or 3 letters from debt collectors who have as much power over you as I have (NONE)

 

Leave the country by all means. Nobody will stop you. RLP have the address for you now, not in the future nor have they any rights to get it either.

 

If they were to tell anyone other than the store and the debt collector then they will be in breach of the Data Protection Act and would get into serious trouble if they did so.

 

As for employers, the only way they would ever find out is if you gave them permission to contact RLP or its sister company (who I can't remember-that's how important they are) and you ain't gonna do that are you.

 

Everything I say here applies to your girlfriend as well. This is all bluff and bluster from RLP and they use ignorance of the law to get unsuspecting people to pay up. Far more than we see here unfortunately.

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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The Retailer have done their bit, made no loss so you dont have to pay someone else any money. RLP only exist because people pay them when they dont have to because they are worried, like you. They have no right to demand anything so dont worry about all of the other things, they cannot happen.

Edited by citizenB
edited out retailer name
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And the most important thing, STOP DOING IT. You will eventually get caught and the police will become involved.

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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hi first I want to say that my English is not so good and sorry for my mistakes. can you tell me how looks the envelope from RLP. I am wait the letter from them but I don't want my housemate know aboute my big mistake. plsss help me I cant sleep I cant eat I am not go to work just stay and wait for this postman.

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It is a plain envelope, no-one will know what is in it. If you cant trust your flatmates then you should think about moving rather than worrying about a poxy letter..

 

Alas, not always the case

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?454187-hello-everyone&p=4808491&viewfull=1#post4808491

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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I would call that a plain envelope witha machine franking that will mean nothing to 99% of the population. There is nothing on it that indicates the contents of any letter so again, unless your flatmates have a habit of opening your mail they will not know about the letters.

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  • 2 weeks later...

Hi to everyone who read this ...

I had receive my second letter from RLP it sound like this :

 

"...etc we have receive no response ......

 

As well as being a victim of crime , our client has the right to bring a civil claim against you and your co-defendants for damages . You have not sought to deny your action , or offer any explanation . Our client appreciate there are many reasons why incident of this nature occur , but wishes you to understand the impact of your actions and accept responsibility for them .

 

Before taking any further steps in this claim , our client invites you to advise us if there are any circumstances wich you would like to be taken into account.

 

Whilst there is no legal obligation to consider mitigating circumstances in civil proceedings, our client adheres to core principles originally agreed with ACPO (the association of chief police officer ) , and abides by its own ethical codes. This ensure a degree of protection to those who may be considered vulnerable, or those in long term severe financial hardship.

 

If you consider this may apply to you, it is important that you notify us your circumstances, so that they can be given due consideration and the appropriate action taken on your case . Please be assured that our staff are professional and non-judgmental and will deal with any communication sensitivelyand sympathetically , and with complete discretion. Any information you provide will be used only for the purpose of determining whether to proceed with the claim ,and will be treated in strict accordance with the Data Protection Act 1998.

 

We summarise the option to you :

 

-Submit a written defence , with a full account of your version of events

 

-Setlle the claim , with or without admission , by paying the ammount stated 115.75£

 

-If you wish to settle the claim , but cannot do so within 14 days , contact us to discuss payment etc

 

-Negotiate an alternative settlement by contacting our Collections Department on 01159706231

 

-Advise us of any other relevant circumstances you wish to be taken into account

 

 

We require a response or payment from you within 14 days of the date of this letter , in order to prevent further action being taken. "

 

 

 

I KNOW IS A LOT OF READING BUT PLEASE CAN SOMEONE HELP WITH THIS .

 

What exactly is trying to say especially in the third paragraph , is it bad , should i do smthing ??? I haven't seen this letter in the site probably i didn't search good , and I'm a little bit worried.

 

Has anyone got smthing like this before and ignore it ?

 

As i said before I'm not from here and i don't know how things work x_x and ill appreciate every response, i need help .

 

Thank you a lot for future response and time !!!!

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Hello there.

 

There's another option that they haven't put on there, which is Ignore. And yes, we've seen letters like this before, I think they're trying to frighten you with things that are unlikely to happen. They haven't said their client will go to court, just that they can.

 

Others know more than I do though, please wait for them to come along.

 

HB

Illegitimi non carborundum

 

 

 

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Keep ignoring. RLP wont do anything. Why? Because they cant. Ignore jackie and co's pseudo legal rubbish. Its the same rhetoric she sends everyone. She lives in a complete dreamworld.

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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We require a response or payment from you within 14 days of the date of this letter , in order to prevent further action being taken. "

 

What further action? Answer. More letters!

 

That is all they can do. They will pass this on to their pet debt collector of the day which will say "that we understand is not disputed." This leads to some confusion.

 

If the 'liability' (they can't call it a debt) is not disputed, what the heck are a DCA doing chasing it. By virtue of it not being paid means that it IS disputed and a DCA has no right to say otherwise.

 

As I have said, only the party that suffered a loss (if any) can take action.

 

The ONLY time that you need to take action is if court papers arrive and we are now 3 years down the line since the last case.

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

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I see you are perfectly right , it's silly .. the loss the retailer suffered is 0 . The employee of the retailer lost TIME by following and checking everything ! Well that is his job ... i'm sorry for what i have done but this RLP if they don't have power by law on me then im not gonna pay them .

 

Anyway thanks a lot Silverfox, honeybe and renegadeimp , appreciate everything !!

Edited by citizenB
edited out retailer name
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note in the letter they say their client has the right to do this and that, well that is prefectly true but RLP have no right to do anything at all so think about why they are writing to you if they have no rights. It can only be to persuade you to make a donation to them as that is waht it is. Dressed up a bit with threatening words but in law nothing more than a begging letter.

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Ok , what about third letter that I receive which is sound like this :

 

" We are writing to you in respect of the above incident to assist you in clarifying a few matters, AS WE ARE AWARE THAT YOU HAVE BEEN SEEKING ADVICE FROM THE INTERNET.

 

Please note that had you contacted us directly, we could have addressed all of your questions suitably to fit the specifics of your case. We advise that it is also in your best interests to obtain independent legal advice on this matter, rather than TAKING OPINIONS FROM THE INTERNET to ensure you understand your position and that it relates to the specifics of your case.

 

We informed you of our CLIENT'S CLAIM in a polite and informative manner and provided a useful question and answer with our first letter to address many regularly asked queries. Our first letter also advise you on what your options are which includes disputing the claim, advising of any mitigating factors, making an offer and paying.

 

Should you require any further information, our staff are well trained, professional and polite and are used to answering queries so that you can make an informed decision. "

 

? ? ? ? ? ? How can they follow me on this site ? I didn't insert my details , only my email .. Because I'm the only one who gets this letter, my partner not. And i received on the following day after my last post on this site ..

 

What's going on ?

Can please someone help me please ? Should i start stressing up and look for a lawyer ? Just in case ?

 

I have a question, they saying the client claim this money ..good ,let's say the client himself send me a letter for money , for their lost (time) ..then , do they have legal power on me ? Is it a strong reason to demand money for that ?

Why they using r..lp ?

 

Still surprised of this letter and how they know about my concerns on this site , I'm felling a little bit harassed ,i mean they enter on my private life !! It shouldn't be they're problem from where I'm looking advice !

Edited by honeybee13
Retailer name removed.
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They haven't identified you - they have trolls on most consumer forums and will probably have sent a similar letter to any outstanding case they have on file. They hope that someone will bite and telephone them in a panic.

 

If you had taken advice from somewhere like the Citizens' advice bureau, I think you would probably have been given the same advice as you have here. However, they wouldn't be able to say what they have. Online forums are by their very nature, public, but still anonymous. When you think of the 1000's of letters they send out, the chances of them narrowing a specific post to one specific person is miniscule.. in fact they would probably get better odds with a lottery ticket !

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Can I reassure you in that they do send that letter quite often to people they suspect have come to CAG. They have no proof and this letter is designed to purely scare you. Worked didn't it!

 

I have seen that letter on numerous occasions. RLP can't have much better things to do with their time than scoring the internet looking for people to scare.

 

As for the letter itself. It means nothing. If you contacted them, they would put things in legalese to confuse you even more and try and convince you that they are right and we are wrong.

 

Since July 2012, no store that we know of have taken any court action. This was after a court case where A retailer (who shall remain nameless) lost a case where RLP was involved.

For the full judgement, have a read.

 

[ATTACH]60219[/ATTACH]

 

Bit of a long read but it shows just how powerless RLP are.

 

You could even splash your name, address, inside leg measurement all over the net and there would be bu**er all RLP can do about it.

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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Ignore them

 

If you read threads here

That's astd letter they have been sending out for years

 

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... 

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If you feel like you want to respond

 

you could always say, "Yes, I got advice from the internet and I have decided to tell you to ..... as it is clear you are just a bunch of ....... and I am now wise to your dishonest enterprise"

 

If you use those exact words they will then know where you have obtained the advice and I can assure you,

 

they are welcome to contact me by PM and I will happily continue this debate with them in a place where they can be assured they will receive the attention it deserves. Or none, as appropriate

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