Jump to content


  • Tweets

  • Posts

    • DX: I did not pursue Link after I got the CCJ amended to monthly payments. Pretty sure the CCJ does not mention reviews, I do have the CCJ somewhere, I will have to look it up in storage. It is as mentioned on the thread you referenced  in your post #28. The Barclays loan was taken out in September 2004 for 60 months! Current Balance remaining approx £2K. On checking back my past correspondence with Barclaycard about this loan, there was a history of them ignoring my letters and offers to pay, and I even had problems in obtaining their bank account details for them to accept my payments! I have received strange correspondence from them too, one referring to insurance which I did not have. They seem very disorganised! Barclaycard told me to pay "Masterloan" a while back and I now receive regular statements and arrears notices from "Personal Loans from Barclaycard" clearly marked Masterloan, they changed the account reference number! I have never requested a CCA on this account. I advised them of my change of address last September, but they are still sending, until today, statements etc. to my old address! I have received 2 letters from Barclaycard Loan today though, not opened them yet!!
    • Yes, a few months ago. They wrote back saying there was no CCA and the debt was unenforcable. I then started gtting bombarded with threatening emails from their 'litigations team' which have been sent to spam. I've now recieved the letter before claim with the PAP form enclosed, but still no CCA or even a letter from them to say the debt is deemed enforcable. Thank you.
    • That's a shame but not unexpected.  I'm not sure about your assumed  questions because I haven't been to court but I'm not sure about not accepting a criminal record. It could be a language thing but it isn't your choice unfortunately.  HB
    • Have you previously requested the agreement by a CCA request ?
    • Just to clarify then, should the reason I am disputing the debt be that they have not supplied all the relevant paperwork (CCA) and the debt is therefore unenforcable?
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2929 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hello to everyone here, I would be very grateful if you have some advice on a rather strange letter from RLP.

 

Basically I am Bi-polar, normally I'm fine and nobody would know but one day last month I was in the manic phase of my condition due to a change in medication. I had gone into boots and bought a number of items, but I'd also put 3 low cost items a total of £4 in my pocket.

 

I left the store with these but I then realised what I'd done, never stolen in 27 years didn't want to then. So I returned to the store as I was going to pay for said items but as I approached it, two security guards although I don't remember seeing Sia licences on them asked me to follow them. I tried to explain but it fell upon deaf ears.

 

I was taken to the back room of the store and spoken to like a child. Then my bag was searched with paid items being broken before I was searched, patted down. Then one security guard left to price check the items stolen in total 3.95. My driving licence was photographed and so was I. Then I was told I was banned from all boots and would receive a fine for my actions. I though this was fair at the time.

 

But then I received a letter from RLP it stated there had been an incident in store and I was being fined for losses even though in the next sentence RLP say the store suffered no loss. I was expecting a small penalty fine of maybe £30 but no £147.50! I looked around on the Internet for a bit and read through these forums, I decided to ignore the letter.

 

Now however I have has a second letter from them threading to write to my parents or guardian. I'm 27 years old and both my parents have passed away!

 

I'm just wondering what I should do about it, do I just ignore them again? Send them a short reply? Thanks for any advice

Edited by honeybee13
Paras.
Link to post
Share on other sites

Hi and welcome to CAG

 

I don't know enough about Bi-polar to be able to add much however I did have to laugh at that silly letter. Passing on your details to your parents. You are 27 and if they did that you could sue them for breaching your data protection rights. Bunch of muppets.

 

You have obviously read a few threads about RLP and the advice is still the same.

 

Ignore RLP

 

Once RLP get bored sending letters, they will pass this on to their pet debt collector.

 

Ignore the pet debt collector.

 

Boots could take court action if they wished but they won't. They will be unable to justify the amounts claimed so they don't bother and rely on RLP to chase you.

 

So, if I haven't made myself clear yet. IGNORE RLP!!!!!

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

Did RLP actually call the charge a FINE? and in writing? No can do, as per Silverfox ignore them.

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 OTHERS

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

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

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

Link to post
Share on other sites

Rlp can't do ANYTHING. EVER. Ignore them, use the letters as toilet roll substitute and move on with your life

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

Link to post
Share on other sites

who said you will be fined? And did you get it in writing

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

Link to post
Share on other sites

ignore totally rlp

 

 

end off

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

Not sure if this will be seen, but further to my initial post RLP actually followed through and sent a letter to my address with to the parent or guardian of......... obviously it came to me as I'm the only one at the address and I'm 27 years old. Is this practice legal by RLP or am I in a position to visit a cab to discuss action against them for breach of the data protection act?

Link to post
Share on other sites

Hello again.

 

That's odd. Yes, RLP have written to parents and guardians in the past, in an effort to embarrass them into paying the speculative invoice. I don't remember them writing to someone well over that age though, it will be interesting to see what the forum regulars think.

 

HB

Illegitimi non carborundum

 

 

 

Link to post
Share on other sites

Sounds like theyre just throwing out template letters to me, and dont really care who they go to. Jackie will eventually send one to the wrong person, and no amount of begging or excuses will stop her being brought before a court personally.

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

Link to post
Share on other sites

Damn. Sometimes I wish I had shoplifted just to take them to task. This is harassment pure and simple. Writing to a 27 year olds parents is purely intimidation and a complete breach of the Data Protection Act. If your parents were still with us and you lived at home, they may have opened it and likely all hell would have been let loose.

 

Personally, I would let the Information Commissioner know what a shoddy company this is.

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

But Silverfox... jackie will just say shes acting on information given to her by the shop, and none of it is her or her companies fault.

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

Link to post
Share on other sites

go for it, a complaint to the ICO about the incorrect retention, processing and distribution of your data.

It is not legal but the ICO likes to use the softly softly approach and educate the wrongdoers rather than actually punish them for being crooks.

 

Not sure if this will be seen, but further to my initial post RLP actually followed through and sent a letter to my address with to the parent or guardian of......... obviously it came to me as I'm the only one at the address and I'm 27 years old. Is this practice legal by RLP or am I in a position to visit a cab to discuss action against them for breach of the data protection act?
Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...