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    • 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
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    • 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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Payday loans...getting out of this mess


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Date

 

Formal Complaint Regarding Irresponsible Lending

 

Loan Ref; xxxxxxxx & xxxxxxxx

 

I wish to log a formal complaint in relation to irresponsible lending with has been caused by company. I wish to start by saying that as you are formally aware, the FCA took over regulation of the credit market from April 2014 and then imposed caps on all high-cost short-term credit (HCSTC) in 2015.

 

These rules were set to stop irresponsible lending and they included;

 

- Affordability checks for every credit agreement to ensure that only consumers that can afford a loan can get a loan.

- Firms that do higher risk business and pose a greater risk to consumers will face a tougher supervisory approach. Specific rules for the payday sector have been proposed and include:

o Limiting loan rollovers to two;

o Limiting the number of attempts by a payday lender to use CPAs to pay off a loan, to two;

o Information on where to get free debt advice will be given to every borrower that rolls over a loan

- Treat Customers in Arrears more fairly.

- Do not relend to customers who appears to have taken numerous loans in a short period.

- Report information correctly to the CRAs.

 

 

But also the FCA also stated that lenders should implement their own policy and also change how they lend to customers. Well I believe that you are in contradiction of that because;

 

- Both before and after the regulation dates, you were lending to me on a near monthly basis across the board as shown in a monthly statement.

- You did not do appropriate checks on where the money was being sent to. Should you have asked to see bank statements, you would have seen that this money was being used for Gambling purposes

- Should you have done the appropriate affordability checks at the time of every loan, you would have seen that I would have had more than 1 loan on the go.

- On my CRs, I can see you carried out credit check, and you didn't flag up the numerous other loans that I had along with the £23000 car finance loan

- I was using these loans to pay off other loans to **Companies** and this ended up creating a spiral of debt.

- When you performed a credit check of my credit report you would have seen I had a £23000 car finance loan, this again breaks your affordability checks. It means correct checks were not made at the time of the loan I was granted

- When I was given the loan I was unemployed and was a university student

-

 

Now I am also aware that Callcredit offered an update to their reporting facilities where it would essentially be Real Time Reporting. But I am also aware that under these loans, the actual product being offered changed from a pay day loanlink3.gif to a revolving credit facility. From that you should have still seen that I was constantly in and out of using these.

 

I am bringing this to your attention because I believe that you as a lender have not followed treated me with Due Respect or Due Diligence and I believe that I am now in this position because you continuously lent to me.

 

**Input Summary of Loans Here**

 

I will be reporting this to the FCA for breach of the new lending practices and also because you didn’t do the appropriate checks at time of lending etc. and after every withdrawal which should have been done.

 

Should you wish to contact me;

 

**Name**

**Address**

**Telephone**

 

Kind Regards

Payday

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No its not ... You didnt fully read it... I dont think there was any gambling in your case...?

Read it in full and take out the reasons that dont apply.

 

Also, check my signature. All contact info is in link 2

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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You haven't been abandoned I promise :p

 

Unfortunately we do this as volunteers and I'm afraid I work full time like today...

I will have a quick look when I can later... Be patient :) We can't always be at everyone's beck and call

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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Right, Im all in a tizzy as your statements are not in order. I dont have the brain power to figure that all out today :p

 

Can I ask you to Summarize;

 

- Amounts

- Agreement Dates (When Paid To You)

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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Hi, fko thank you for the response, hope you can help me further. Thanks a lot. I have mentioned the details below:

 

 

 

 

Statement 1:

Agreement Date: 27th August 2014

Loan: £120

Top Up:

27th August 2014: £30

27th August 2014: £22

27th August 2014: £33

31st August 2014: £25

31st August 2014: £25

 

 

Total Loan amount: £255

Total Repaid: £331.91

 

Statement 2:

Agreement Date: 14 June 2015

Loan: £300

Total Paid: £5

Total Outstanding: £357.40

 

 

 

Statement 3:

Agreement Date: 6th August 2014

Loan: £22

Total repaid: £28.33

 

 

 

Statement 4:

 

Agreement Date: 21st May 2014

Loan: £60

Total Repaid: £83.19

 

 

Statement 5:

 

Agreement Date: 20th June 2014

Loan: £102

Top Up:

27th June 2014: £10

09th July 2014: £15

09th July 2014: £10

10th July 2014: £20

11th July 2014: £15

14th July 2015: £27

Total Loan Amount: £199

Total repaid: £262.75

 

 

Statement 6:

 

Agreement Date: 28th December 2014

Loan: £100

Top Up:

28th December 2014: £100

Total Loan Amount £200

Total Repaid:£251.20

 

 

 

 

 

 

Statement 7:

 

Agreement Date: 29th January 2015

Loan: £300

Total repaid: £386.16

 

 

Statement 8:

 

Agreement Date: 06th October 2014

Loan: 250

Total Repaid: £273.39

 

 

Statement 9:

 

Agreement Date: 22 July 2014

Loan: £225

Top Up:

23 July 2014: £123

25 July 2014: £10

Total loan amount: £358

Total repaid: £399.46

 

 

Statement 10:

Agreement Date: 17th May 2015

Loan: £252

Total repaid: £304.41

 

 

 

Statement 11:

 

Agreement Date:15th August 2014

Loan: £35

Total repaid: £41.72

 

 

Statement 12:

Agreement Date: 19th August 2014

Loan: £25

Top Up:

24 August 2014: £17

Total loan amount: £42

Total repaid: £55.92

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