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    • I'm on happy pills (anti depressants) but they aren't cutting the mustard anymore and I do need to see my GP soon to see if he can help in anyway. With regards to gambling it's so complicated; through my life I have made money (as well as having had some jobs)  being a "professional gambler" (gambling where the odds are in your favour - think card counting for example, fruit machines years ago for a long time.... Other things.) But I've also been totally compulsive at the same time. It;'s so entrenched in my psyche that it's hard to imagine just giving it up totally. I also have drug issues that have plagued me and it's a shame because I am fairly intelligent and could have been successful in life in theory but mainly due to those two things (and not really having any drive, ambition, whatever... I could go on and on but this isn't a therapy forum :P) I've not managed to. I'm 36 by the way. Cheers
    • Oh I just remembered I have a long defaulted account with Halifax balance approx £3700 I believe (from around 2015) but they aren't chasing me for it or anything. It was actually over £5000 but they refunded me a load of unfair charges (their words)  This does however push me over the £20,000 limit for a DRO I think?  
    • Hi.   I think you've made a good start by setting out in writing what you need to deal with. People should be along later to advise on how to deal with your creditors.   For the mental side of things, have you talked to your GP about getting some help with what's getting you down? Or support with the gambling issues?   HB
    • Hi people.   So I've managed to get myself into a sorry state financially. I'm insanely depressed which I guess is common for many. I don't think all of it comes down to the financial stuff but it is really crushing me now.   Facts: A lot of debt has been due to living on credit and gambling. I don't have a job. I know I should get one but I just totally despondant at the moment (due to many reasons). I don't expect any sympathy but I thought I would share this.   It's tempting to bury my head in the sand and wait for the inevitable calls from various collections departments but I want to be as proactive as possible. I think I've cancelled all direct debits so I don't get bouncing charges from the banks...   So onto the debts:   Loans livelend; £2400 was 4k 13% interest Bamboo £3000 (only just made the first payment this month) supid interest Likelyloans approx £3500 stupid interest  One payday loan for £200 I just got to cover some bills (knowing that I'd unlikely be able to pay it) - this is the only thing I haven't cancelled with the bank as they just take it from your card   Credit cards: Aqua approx. 3900 Capital one approx. 1200 Amazon approx £500 Paypal Credit Approx £1100 Overdrafts Santander £1500 Barclays £1k limit (I don't actually pay anything for this)   So all in all approximately £18,000     I also have a negative Paypal balance of £5000 but I don't believe this classes as a debt and I don't think they can do anything about this having read up on it quite a lot.   I guess my question is what is my best course of action. Should I look to do a DRO? Should I go bankrupt? (eurgh. Full disclosure I did this 15 years ago when I was 21. You think I would have learnt!) Should I write to each creditor and offer them £1 a month? Should I talk to one of the debt charities?   It is all my fault that I'm in this state but I also know that it's not the end of the world because they are all non priority debts. I probably am slightly behind on the council tax but not significantly.   I started claiming universal credit a couple of weeks ago and had my first appointment last week but managed to miss the next one due to not being able to sleep and then oversleeping and so I guess they've probably kicked me off that already and I might have to claim again.    So yeah. I take responsibility for what's happened but I don't see any way out. I've been very depressed lately due to this and other things. There is no one to "bail me out" and I probably don't need or want that anyway. Any advice appreciated          
    • Hi All,   I left the UAE 2 years ago. Have my bank clearance letter from HSBC.  I have been receiving emails from a company based in Hemel Hampstead IDRWW about money owed to the bank of RAK in the UAE which I’ve ignored as thought it was spam. I have now received a letter through the post saying the same thing (no idea how they have got my new address) that they are acting on behalf of RAK bank. I’ve never had an account with them but know how dodgy things are over there so would be nervous going back!.... Do I just ignore it or reply? It must be identity theft?  I am also nervous about travelling as I travel a lot & wouldn’t want to be arrested!!  I obviously have no intent on paying a debt that is not mine plus have no assets here anyway... Can they actually take me to court for something that isn’t mine??  Any info gratefully received.  Have spoken to citizens advice & they couldn’t help. Thankyou   
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no nowhere nada nothing

stop worrying and repeating questions you've already asked.

 

 

it didn't happen in terms of laws/records etc.

 

 

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I am sorry for asking same questions. Although I am not completely ok but better than before. You guys have done a lot for me. I will update you if Rlp send anything to me. Thanks again.

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What makes you think rlp have ANY sense of legal authority? They have NONE. They are just a silly pathetic private company trying to scare you into paying them.


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..

 

 

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no, cant as they are just a private company that has nothing to do with anything. It wont even get passed on to anyone who can report

Will it show up in my CRB or enhanced CRB? Please reply.

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Hi all. I have got my ILR. Thanks for all the support you guys have given me. Although I do not support shoplifting but I think everybody deserves a second chance to be good. Rlp threatened me to hell but finally can do no harm to me. Anyways I will never repeat my mistake again.

 

PS:I've never paid the RLP. Instead I paid some money to a charity and that made me feel much better.

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Hi all. I have got my ILR. Thanks for all the support you guys have given me. Although I do not support shoplifting but I think everybody deserves a second chance to be good. Rlp threatened me to hell but finally can do no harm to me. Anyways I will never repeat my mistake again.

 

PS:I've never paid the RLP. Instead I paid some money to a charity and that made me feel much better.

 

Good for you!, (and good on a number of levels!).

 

You got caught shoplifting, and have accepted responsibility for it - I'm not sure that anyone here can 'beat you up' over it more than you've done yourself, so don't dwell on the original shoplifting, but lets look at what you've done since:

 

a) You've come back to let us know you have your ILR (congratulations on the ILR!) ; too many people never update their threads with a final conclusion. Now anyone looking for advice for a similar situation can see the outcome for you.

b) You held your nerve and let RLP send their series of threats, and have confirmed what a 'toothless tiger' they are.

c) You've decided to never do the same again : Leaving aside that it was wrong, you likely went through hell worrying.... I suspect you've decided it just wasn't worth such a miserable time .... now if only people read your thread before they do something daft there may be fewer people putting themselves at risk ....

d) You've made a donation to charity.

 

So, good for you for turning a bad choice into the best possible outcome.

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Thanks for updating us. Your update can and will help others in a similar situation :)


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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I updated it because I want to help all those who did the mistake of shoplifting for the first time and promised not to do it ever again. We must not judge. Even God forgives the first error. But we must promise not to do any such thing in future.

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Glad you learned a lesson and moved on. RLP are as much a thief as any due to their methods and dishonest demands.


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I am so happy that you got your ILR as that was what was concerning you the most and a big Thank You for making the effort to come back and update us. As your thread is quite short, it will be useful for others to see what happened. Other threads can be long and points raised in it can be missed so I will remember this thread for the future.

 

I will update the thread title to show you got your ILR


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