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    • I've inserted their poc re:your.. 1 ..they did send 2 paploc's  3. neither the agreement nor default is mentioned in their 2.        
    • Hi Guys, i read a fair few threads and saw a lot of similar templates being used. i liked this one below and although i could elaborate on certain things (they ignored my CCA and sent 2 PAPs etc etc) , am i right in that at this stage keep it short? If thats the case i cant see what i need to add/change about this one   1)   the defendant entered into a consumer credit act 1974 regulated agreements vanquis under account reference xxxxxxx 2)   The defendant failed to maintain the required payment, arrears began to accrue 3)   The agreement was later assigned to the claimant on 29 September 2017 and notice given to the defendant 4)   Despite repeated requests for payment, the sum of 2247.91 remains due outstanding And the claimant claims a)The said sum of £2247.91 b)The interest pursuant to S 69 county courts act 1984 at the rate of 8% per annum from the date of issue, accruing at a daily rate of £xxxx, but limited to one year,  being £xxxx c)Costs   Defence:   The Defendant contends that the particulars of claim vague and are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   1. The Claimant has not complied with paragraph 3 of the PAPDC ( Pre Action Protocol) Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017.It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC.   2. The Claimant claims £2247.91 is owed under a regulated consumer credit account under reference xxxxxxx. I do not recall the precise details or agreement and have sought verification from the claimant and the claimants solicitor by way of a CPR 31.14 and section 78 request who are yet to fully comply.   3. Paragraph 2 is denied. I am unable to recall the precise details of the alleged agreement or any default notice served in breach of any defaulted payments. 4. Paragraph 3 is denied.The Defendant contends that no notice of assignment pursuant to s.136 of the Law of Property Act & s.82 A of the CCA1974 has ever been served by the Claimant as alleged or at all.   5. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of assignment/balance/breach requested by CPR 31. 14, therefore the Claimant is put to strict proof to:   (a) show how the Defendant has entered into an agreement; and (b) show and evidence any cause of action and service of a Default Notice or termination notice; and © show how the Defendant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   6. After receiving this claim I requested by way of a CPR 31.14 request and a section 78 request for copies of any documents referred to within the Claimants' particulars to establish what the claim is for. To date they have failed to comply to my CPR 31.14 request and also my section 78 request and remain in default with regards to this request.   7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974.   9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.  
    • i understand. Just be aware I am prepared to take some risks 😉
    • Thanks Tnook,   Bear with us while we discuss this behind the scenes - we want you to win just as much as you do but we want to find the right balance between maximising your claim without risking too much in court fees, and in possible court costs awarded to the defendant bank.
    • Tell your son and think on this. He can pay the £160  and have no further worries from them. If he read POFA  Scedule 4 he would find out that if he went to Court and lost which is unlikely on two counts at least [1] they don't do Court and 2] they know they would lose in Court] the most he would be liable to pay them is £100 or whatever the amount on the sign says. He is not liable for the admin charges as that only applies to the driver-perhaps.If he kept his nerve, he would find out that he does not owe them a penny and that applies to the driver as well. But we do need to see the signage at the entrance to the car park and around the car park as well as any T&Cs on the payment meter if there is one. He alone has to work out whether it is worth taking a few photographs to help avoid paying a single penny to these crooks as well as receiving letters threatening him with Court , bailiffs  etc trying to scare him into paying money he does not owe. They know they cannot take him to Court. They know he does not owe them a penny. But they are hoping he does not know so he pays them. If he does decide to pay, tell him to wait as eventually as a last throw of the dice they play Mister Nice Guy and offer a reduction. Great. Whatever he pays them it will be far more than he owes as their original PCN is worthless. Read other threads where our members have been ticketed for not having a permit. [We know so little about the situation that we do not know if he has a permit and forgot to display it. ]
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Hi, I have done something wrong today

, I was try steal something from Sainsburys which was cost £9

I don’t know why...

 

they recognise.

 

Ask me to pay for that , which I have done ,

they give me a ban and leave shop,

 

they take my address date of birth, and full name .

 

I can’t pop this story - which I not think to back again..

I feel like bad..now ,

 

What’s can be happen next ?

Do I can use any different Sainsbury’s or they everywhere will have my picture from CCTV?

 

What should I do now, I say sorry ,

I don’t know what I was thinking...

 

please can someone help!!??

 

I had this done first time I fell:-x

Edited by dx100uk
Spacing ...english

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Hi.

 

I've moved your thread to the shoplifting forum and left you a link to follow from the Welcome forum. People should be along later with advice for you. :)

 

HB


Illegitimi non carborundum

 

 

 

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Nothing to worry about

Forget it ever happened

They wont be bothered in other stores no

 

Ignore all letters

Dont do it again!!!


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Do you know the will be informed all staff in the shop what I have done? Ahhh....also they will show my image from CCTV to them? I feel stupid and worries I see someone on the street...

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No

No


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

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Thank you for you advice, now I need to tell my husband, i hope he not keek me out....

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On more questions, this will be effect my nectar card? Should I use this or not? They have all my details

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Just stay away from sainsburys for a good while and dont do it again. I gather youre not a UK national, so chances are the security may have intimidated you. Regardless, you will likely get a few letters from a couple of companies. Just ignore them. The letters will say a lot of scary stuff, but nothing will ever happenw ith 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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Yes I know , was first and last time, if I received a letter and ignor they can take me to court ? Yes I’m not UK national, yes I will stay way from Sainsbury story . I was ask only in case because somethime I’m going to my friend who all the time take me ther ( is 10 miles away ) ...so I can’t tell her about this situation.....so she can ask way I can’t go there ;( ( my question before was about share CCTV image and my details) thank you

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they could. But they wont. Nobody has been taken to court by them for a few years now. They DEFINITLEY wont do for something that cost £9 and the shop got back.

 

They also dont share cctv and your image with anyone. But the security guards may recognise you if you go back there too soon.

 

Find another shop for a month or three. Plenty of other shops that are better and cheaper.


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 don’t wants to back to the story which I have done stupid £9 item ...oh .... I probably never go back there I have lesson for hole my rest life ;( I only worries about my friend , if I don’t go with her she will be picky ..thank you for all your advice x

 

Sorry to text you many questions but I’m going crazy ( first I should think...consequent of this ) I start be panick, can’t eat and drink....I’m afraid go outside ( on my way to work ) thinking everyone know what I have done

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They are not allowed to publicise ANYTHING!!

Data protection laws no one will kbow

Its against the law

 

Please stop being stupid

Forget it happened

Go live you life


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Oh..yes will try forget this...is done ...so need to live with this , thank you

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Remember ignore all letters from DWF or RLP

 

They are powerless fleecers


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Hi sorry it’s one more question, when I receive any letter from them should I write a letter to them , I’m not will be pay any fine - Sainsbury receive a money for stolen item and they not call police, and I never ever will be back to this shop? Thank you

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Hi and welcome,

 

 

With Sainsbury's, they tend to use RLP (Retail Loss Prevention) to chase for security costs. This is a non starter for them so just ignore them and certainly don't respond at all. If you go into another store, I woudn't recommend you use your Nectar card as they may just have associated it with the previous store and escort you out (which is all they can reasonably do)

 

 

As you are not a UK national, you may be worried about Visas. Don't worry about that either. It is good that you want to tell your husband. Any reasonable person will initially be angry but hopefully supportive and a problem shared is a problem halved.

 

 

Going out on your own will not be a problem. Nobody knows what you did so there can be no judgement from people. Also, this will never see the insides of a county court room. The letters you may get will mention legal action but this is just a scare tactic to get you to give them your money.

 

 

Obviously don't do it again and when the letters start to arrive, come back here for some re-assurance.


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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Thank you for text me back , I not will be back to any off this story , no use nectar card , do not try do any stupid situation ( I wasn’t able to sleep;( ) I will be talk with my husband, but still worried how I should tell him.... do I will be with any records? CRB ? Etc?

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It's much better to share unless your husband is unreasonable or violent. If he is the caring type, it's likely he has already noticed a change.

 

 

No police involvement- nothing to show on any official database. This will never show on a DBS or EDBS check so don't worry about that at all.


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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no record of this can be passed on. you can use your nectar card, that isnt the property of sainsburys, Nectar can be used in other places as Nectar own Nectar. What I wouldnt do is use the nectar card in sainsburys but even if you did nothing would be flagged up

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He already noticed a change , I was tell him only bad week and he not ask about anything else.. he is really good man but he will be very upset with me , I can’t do the rivers of time ...but if I think about this I’m going inside really bad ...I will be use phone line help...need to talk with someone about this ...going mental...I’m afraid :-x

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I’m glad I find this web Is really good have your help !

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I’m glad I find this web Is really good have your help !

 

 

You are very welcome. If you can't talk to anybody, try your GP. Many people who have arrived here did not know why they did it. Chatting to your GP in confidence may just throw up a good reason why you did it.

 

 

I really do encourage you to talk to your husband but if that is not possible, do you have a close friend who you could confide in. If you do tell your husband, this then allows him to view your posts and our replies on here.


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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I try to not think about this situation but ..have more questions coming to my head ;( do you know they can use my credit card details ( which I use to paying for the item )

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no they cant and it would be illegal


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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