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    • Nothing will happen in regard to this one shoplifting event, other than Sainsburys won't let you shop in this store again.   But, if you continued to shoplift, then the consequences are more serious. Local to me, there  is a town where about 13 people have been banned from shopping in many of the shops. They are subject to some form of order, where if they set foot in any of the stores, they will be subject to arrest by Police.  
    • Agree with DX, Sadly, from the pics, it looks like you're bang to rights😪 The rules are very explicit. Before entering the box, you must ensure that you are able to completely exit. It looks like the car in front may have moved a couple of feet and tempted you to set off, but when you did that, there still wasn't enough room to completely exit the box. By all means ask to see the video evidence, but saying you had to stop because the vehicle in front stopped, isn't a valid defence.
    • 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
    • despite our wettest 18 months on record,  Low levels of rain and snow have cut Canada’s hydropower production, forcing it to increase electricity imports from the U.S.   - NYT
    • 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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Cabot/Mortimer Claimform - MBNA Loan 'debt'


pilch23
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More than likely not. If you post them here someone will have a look for you

 

Scan it into your computer and open it in Paint or similar program. Edit out the personal information and save it

 

Open an a/c on Photobucket, (here: Image hosting, free photo sharing & video sharing at Photobucket ), download them there from your computer and then post the link from Photobucket in your thread here.

 

See how to in post #15 here:

"How do I...?" A Dummies' Guide to this Forum

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MBNA have responded returning my cheque stating they require £10 to provide SARS!!!!!!

 

My letter taken from CAG clearly requests CCA not SARS.

 

Any letters I can respond with?

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Hi if you have proof of delivery then re send a copy of the original letter as an enclosure to a letter stating that the enclosed letter is not an S.A.R - (Subject Access Request) and that MBNA will be/are in default on XX/XX/XXXX and will/have committed an offence by/on XX/XX/XXXX under s77/78 CCA 1974.

 

MBNA are well known for these type of delaying tactics or else they just cannot get reliable staff. Anyway you sent a legal request it's not your fault that MBNA are such twits, as long as you can verify delivery thats MBNA's lookout.

 

all the best dpick:)

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  • 7 years later...

Remove thatvlink please as you've just given out info that anyone could use to make things much worse

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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Upload unapproved...please obscure any identifiable data.

 

Thread moved to the correct forum....Financial Legal Issues

 

If you could read the following link and then copy paste your responses here to enable the best advice on how to proceed with the claim.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-December-2014**

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Name of the Claimant ? Cabot Financial UK Limited

Date of issue – 12th January 2016

Date to submit defence = by 4pm Friday 12th feb

 

What is the claim for –

 

 

1. By an agreement between MBNA & the Defendant on or around 10/05/2004 ('the agreement') MBNA agreed to loan the Defendant monies.

The defendant did not pay the instalments as they fell due & the Agreement was terminated

The agreement was assigned to the Claimant

 

2.THE CLAIMANT THEREFORE CLAIMS £7100.

 

What is the value of the claim? £7570.78

Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Loan Account

When did you enter into the original agreement before or after 2007? Before 2007

Has the claim been issued by the original creditor

or was the account assigned and it is the Debt purchaser who has issued the claim. CABOT

Were you aware the account had been assigned – did you receive a Notice of Assignment? Most likely

Did you receive a Default Notice from the original creditor? Most likely

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Not that I am aware of

Why did you cease payments? 18 months ago

What was the date of your last payment? Not sure

Was there a dispute with the original creditor that remains unresolved? No

Did you communicate any financial problems to the original creditor

and make any attempt to enter into a debt managementlink3.gif plan? Yes but they refused

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I have written to Solictors and Claimant (Cabot) requesting information as advised. I will send recorded delivery tomorrow 1st thing.

 

 

The timescales are very tight......which is concerning !

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Have you acknowledged service pilch23 ?

 

Must be done by today.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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Upload unapproved...please obscure any identifiable data.

 

Thread moved to the correct forum....Financial Legal Issues

 

If you could read the following link and then copy paste your responses here to enable the best advice on how to proceed with the claim.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-December-2014**

 

Regards

 

Andy

 

Andy

 

How do I remove link to document?

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No need to...its unapproved

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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WEll, CCA will prob sink their little ship anyway. VERY unlikely to have a compliant copy or the original.

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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Your timeline is as follows :)

 

Issue date 12.01.2016 + 5 days for service = 16.01.2016 + 14 days to acknowledge = 30.01.2016 + 14 days to submit a defence = 13. 02.2016.

 

If you have acknowledge then you now have until 13th February to submit a defence.

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

1: How can BCOBS protect you from your Banks unfair treatment

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

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So if they are unable to provide agreement or compliant copy my defence will be I do not owe the money????

 

The claim has no reference numbers or anything! I have had to go through paperwork to identify reference numbers!

 

If I get no response from Cabot is there a template defence letter I can use?

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no templates..each isspecific to the poc they send.

 

 

the paperwork/holding defence is widely available on

many threads in this forum or

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?190-DCA-Legal-Successes

 

easiest way to find one is to copy and paste your thread title

into the seach cag of the red top toolbar

 

like this one see post 64

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?450163-cabot-Mortimer-claimform-Welcome-Finance-loan-debt/page2

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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Follow the correct procedure, no matter what you do. Cabot ALWAYS make big mistakes and hope you dont find out. They issued the claim on an old address so they know the debts bad and they were after judgement by default,

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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same as you did when you acked the claim

just a diff box

 

 

very easy

 

 

lots of examples of the holding/no paperwork defence already here

 

 

to adapt

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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I will draft my defence this evening and post for feedback etc.

 

If unsuccessful I have 2 ccj's which I still pay but they are not shown on my credit file as over 6 years old. The amount I pay is minimal am I able to leverage stating that awarding more than I pay against these would make a debtor more preferential than another already awarded......not sure it will make it this far but planning ahead.

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