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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • unclebulgaria67
      Worst shoplifter ever

      By unclebulgaria67 · Posted

      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.  
    • Nicky Boy
      31J Entering and stopping in a box junction when prohibited

      By Nicky Boy · Posted

      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.
    • honeybee13
      Worst shoplifter ever

      By honeybee13 · Posted

      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
    • tobyjugg2
      The Power Of Nature.Wild Weather.Climate Change.

      By tobyjugg2 · Posted

      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
    • Crazydog22
      Worst shoplifter ever

      By Crazydog22 · Posted

      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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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

PRA Claimform - old MBNA Credit card debt ***Claim Dismissed no DN***

Betty55

By Betty55
in Legal Successes

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Betty55

Betty55

Posted
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Posted (edited)

Well I had 2 main arguments.

 

There was no evidence that I got a copy of the agreement at time of signing as 2 of the conditions were on the envelope you post it in and were difficult to read and the agreement was not linked to the account number of claim in either the documents or claimant WS.

 

The 2nd thing was the Default notice provided by the claimant.

This was never served on me and the one they provided referred to a breach of the wrong conditions so not compliant with s88.

 

The judge decided the dn issues should be dealt with first as if that part of the claim failed there would be no point looking at the rest.

 

In relation to the dn the thing was printed on paper referring to the FCA when the FCA did not take over the regulation of consumer credit until over a year after the date on the DN.

 

I argued that there is no way that dn could be a an actual copy or photocopy of a Valid DN .

The claimant had not accounted for these issues in their SWS despite me raising them in my WS.

 

There was no evidence the dn was sent.

The judge said if the person who had written the statement was there and a witnesss from mbna then they may have been able to explain the systems for sending DNS and how they are copied.

 

I said I questioned the provenance of the DN.

plus there was a significant difference in the monetary demand on the dn and a statement I had dated a few days later.

 

I think the DN was cobbled together either by the OC or PRA hence the errors made on it.

Someone dropped the ball on that piece of fiction

Edited by dx100uk
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Betty55

Betty55

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Thank you. I think they may try again though which is a worry but I’m just so glad that I went through with it. I will have to wait see what happens next but they definitely do some creative documents. A case that helped me as had some similar issues was PRA v Segal ......same DN issue 😀😀

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Betty55

Betty55

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Really? I didn’t know if they were able to appeal it or have a second go.......it was nerve wracking but the DJ was good. It was listed for a whole day but was done in less than 2 hoursas he just tried the one issue 😀

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dx100uk

dx100uk

Posted
Posted

title updated

 

well done everyone

 

dx

 

 

please consider a donation to keep us here..

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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Betty55

Betty55

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Great thanks jon

I was lucky to get a good DJ. Straight away he seemed to have a grasp of the errors in case

I got the feeling the rep knew too. Came straight to me when I arrived and asked if I’d like to make an offer for repayments

 

Rep was a barrister and knew his stuff

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AndyOrch

AndyOrch

Posted
Posted

Excellent result ...decent judge by the sounds of it who knew and followed the CCA1974.(for a change)

 

And considering this was Fast Track..even more impressive.

 

Given the claim was dismissed on a default notice issue...it would be pointless trying again as it cant be corrected after the event.

 

Well done Betty

 

 

Andy

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Betty55

Betty55

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Posted (edited)

Thanks Andy

 

Yes the DJ said he could not be sure the DN was ever sent.

Don’t think he was impressed the author of the WS did not attend.

Plus a few of the points I made in my WS were not responded to in their SWS.

 

I think that legal judgement helped as its rather curious how the defendant in that case also got a copy of mbna DN off PRA and it referred to breach of the wrong conditions when comparing to the CA. The same conditions that was in the one they sent me. And it was a 2012 DN on FCA paper.

 

I have one question.

Can PRA issues a new DN?

I thought it was only the OC who can.

 

I think the DJ said something to their rep along the lines of “well unless you can issue a default notice start again with this ....”

I wasn’t sure if he WAS being serious

Edited by dx100uk
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  • dx100uk changed the title to PRA Claimform - old MBNA Credit card debt ***Claim Dismissed no DN***
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