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    • Hi all,        I really need to start my own thread on this Claim with Overdales/Lowell for a Cap One debt. but have already got to this stage .. My initial question for the moment - until replies come in - is that I figure my main stance is that a purchased debt cannot be claimed, debts can only be claimed by the original issuer of the debt .. but mediation is about coming to an agreement. So would I be acting in bad faith if I enter into mediation yet not seeking to come to a financial agreement? Also, I need to reject the scheduled time slot and ask for another as I'm not going to be free during those hours. The wording of the email gives the impression that I am given this one slot and if I reject it, then I am rejecting mediation - there is no mention of rescheduling, only of freeing up the slot for others .. although, I would have thought it would say so, if there were no possibility to reschedule.. Can I ask for another date without issue?   Anyway, if it's more helpful, I am happy to post up my defence and start a proper thread? I had a lot on at the time and had to do things right away due to the time limits, so didn't feel I had time to come here and go back and forth for info, so put my defence together from reading through relevant threads, late at night. CCA request appears to have been fulfilled (I'm still to check the accuracy of the documents). The other thing, asking solicitors about the particulars of the claim, hasn't .. although I forgot to ask for proof of postage and didn't send recorded post either (whereas the CCA I did), so not sure if I can pursue that easily ..?  
    • There is a plea guilty website...   Screenshot 2024-05-22 144200.pdf
    • Looking for a bit of assistance. I moved into a rented flat on 20th April 2024. I viewed it on the 14th April. Before I moved into the flat, the letting agency provided me with an offer sheet, in said offer sheet I made a number of requests and conditions related to me progressing with assuming the tenancy. These were: 1. A professional clean of the flat prior to move in date. 2. The hob, shower glass and bathroom cabinet be replaced prior to move in date. These were all planned actions by the landlord when I viewed it. I could see the boxes for the hob and other items in the flat. I prepared to move in on the 20th April but none of the work mentioned in the offer sheet had been completed. The standard of the clean was abysmal - mouldy food left in the fridge, nothing wiped down, bathroom mouldy etc. The hob, shower glass and bathroom cabinet were also not installed. I decided to not officially move into the flat as it was not in a condition as promised, my partner lives relatively close by so I lived with her initially. It was only on the 24th April that the hob, shower glass and bathroom cabinet were installed. The cleaners visited again 2 weeks after move in date (3rd April) and attempted another clean of the flat. Again, it was a poor job. I resorted to cleaning the flat myself. I have numerous pictures of the things I identified during my clean and have sent this all to the letting agency. Because of the issues faced, I asked the letting agency that the rent be reduced for the initial month. Exactly halved - to represent the 2 weeks that I was not living at the property. The landlord and letting agency have responded by saying that they will be willing to accept 1 weeks rent as a deduction but not 2. My question is, am I in a strong position to insist on the 2 weeks rent returned or have I been fortunate that they have even offered a weeks rent as a deduction? I would like to insist on the 2 weeks. I have paid the 2 weeks only as my rent collection date passed 2 days ago. Thank you for any assistance. Any further relevant details required let me know and I will provide.
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Looking for some advice, and what to expect will happen.

 

Going through a tough period financially, and couldn't afford to eat or pay for the gas/elec. I started stealing from supermarkets via self-checkouts (I found an exploit, just like another poster here), and had taken mostly food. This happened several times, and approx £30-£50 each time. I also filled up my vehicle with fuel from a garage, and drove off without paying.

 

I've now decided to stop as I don't want to end up too far down the rabbit hole.

 

So assuming that they will ID me, what can I expect?

 

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Hi

I think you are very lucky not to have been caught as yet so by stopping, you can start addressing the reasons behind your choices.

 

Most supermarkets use a 30 day rolling period for CCTV recordings and where no incident has been spotted by security staff, discs are erased and used again. If any security staff do an intense search of any disc, you may be spotted but to be honest, I can't see anyone sitting through up to 24 hours of footage so at the moment, little will happen.

 

What might happen is that you are spotted on CCTV and the police are called the next time you are in the store. If that happens, ensure that you get a duty solicitor to protect your rights.

 

I can't offer support on what 'may' happen. That comes with time. What I would suggest you do is address the reasons behind your financial woes. Do an income and expenditure form to work out what is going wrong. Prioritise essential outgoings and any unsecured debts can be dealt with as time progresses.

 

Over time, your financial problems may ease, allowing you to save. I would do that then once you have enough, send it to the stores in question. (That's just my opinion)

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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Can I offer a word of caution

 

You say you want to stop - and I believe you

 

BUT

 

If by some miracle you are not caught do not think you are invincible - the danger is that you will then carry on and will be caught and it will be for a lot of money

 

Also if you are caught for the drive off- do not admit to anything , get the duty solicitor - and think twice if they offer you a caution if you admit it because - if you accept the caution and then somehow they find more dirt on you - there is less chance that it will be dealt with easily.

 

Personally - I would not offer recompense to the stores unless you can do it completely confidentially , remember that many payments can be traced. I am not condoning the theft but trying to think what is best for you

 

As Silverfox says, if you are arrested - get the duty solicitor before you talk to the police. It may mean some hours wait but will be worth it. If you get a letter through your door asking you to contact the police, be prepared.

Any opinion I give is from personal experience .

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You're right re offering money, as once they have my details then they'll set the RLP dogs onto me and demand more £'s. Ill just stay away from these stores for quite awhile.

 

Re the garage; I read somewhere that they're now using other RLP type companies to chase people, and it's purely a civil matter (it seems that the police are advising garages to go down this route).

 

Anyway, thanks for the advice everyone. If anyone has other advice, please add them here.

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RLP cant touch you so dont even give that a second thought

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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Also, as you were not caught in the act, you could argue that the car does look similar to yours, the plates are cloned ?

 

I don't think we can condone this sort of action on CAG. Getting caught out in a lie will cause many more problems in the long run.

 

As for RLP, they only get involved once a thief is caught.

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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It would also get you several points on your licence and another conviction wheas at the moment it can be dealt with down the civil route if the stores want it that way.

 

Points? Presumably for an offence other than making off without payment (s. 3, Theft Act 1978),then. Which offence?

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