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    • one was missed but it was paid, but because i asked for help they informed me that they would have to put a mark on my credit file, but never stopped taking payments, never gave the refund, and now all these letters and emails, just after advise before i make the call, have had a look through some of the files, but can't seem to find anything other than the guidance to record, i only went to V12 because i was getting nowhere with AO and as its still on credit i was informed to contact V12 who would go to AO, i was getting chemotherapy and was getting no help from UC and was trying to balance everything out best i could, payed off another loan i had with them, but never earned anything last year    
    • Hi. I would say they're out of time, as you said. Let's see what the guys say.   HB
    • 1 Date of the infringement ● 28th Dec 2019   2 Date on the NTK [this must have been received within 14 days from the 'offence' date] [scan up BOTHSIDES as ONE PDF- follow the upload guide] ● 20th Jan 2020 (i do not have a scanner)   3 Date received  ●23rd Jan 2020   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] ●No   5 Is there any photographic evidence of the event? ●Yes   6 Have you appealed? [Y/N?] post up your appeal] Have you had a response? [Y/N?] post it up ●No   7 Who is the parking company? ●Met parking services   8. Where exactly [carpark name and town] Brocklebank retail park,SE7 7SE (London)   For either option, does it say which appeals body they operate under. ● They state that they are a creditor and i must appeal to them in the first instance, failing that, then i can appeal to POPLA (IAS)   There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE ●IAS   If you have received any other correspondence, please mention it here ●No, just recieved notice to registered keeper today (23rd January 2020)
    • tv arrived faulty, and kept getting messed around by AO.com then told to contact lg while it was still under warranty, lines were busy was given the option of leaving a message which i did took 10 days for the return call by this time warranty expired, i then contacted AO again who offered to pay half the bill, which i found unacceptable, then tv developed lines down the screen, i would have not been bothered but it was £1500 and expected better than that, it was also not used that often, so i contacted V12 to make a complaint under the consumer credit, then came back saying Ao.com said they had received only a few emails, no mention of all the calls also made where they made this offer, and V12 are in favour of AO, and referred me to the fos, then i have just discovered the other problem with v12 as mentioned above   
    • Hi   Just had a visit from a HCEO over a water debt that went to court and a CCJ was awareded.   Initial debt was £715,45 as of Nov 2019   17th December the debt has risen to £933.20 with Compliance Fee of £90 7 Jan 2020 Debt risen to £1154.50 apparently a visit, but no paperwork was left.   Paperwork left today £1750.94   Not my debt - partners debt   They did not come in.   Initially when I found it was passed to Marstons, I called anglian water asking them to transfer it back and I would settle the balance, they said they couldent.   Do they ever pass it back to the creditor? How long will this take?   Are the fee correct as not had a breakdown.   Suggestions on what to do?  
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I am beyond mortified.

 

I am in the middle of a very turbulent time in my life, my depression is all over the place .

 

Today I had period pain, I went to Sainsburys to get some medication. The pharmacy was closed.

 

I hovered in the section for ages before I STUPIDLY decided to take the medication off the shelf of the closed pharmacy.

 

I then panicked and left the store.

 

I wasn't stopped, but they would definitely have me on camera taking the medication from the closed pharmacy. I don't know if it is clear I still had it in my possession when I left, but they may also be able to see my car registration.

 

I am freaking out. I want to go back into the store and return the items and profusely apologise for this out of character behaviour, but I also know this could give them a reason to press charges...

 

Someone please give me some advice, I am a wreck.

 

The pills cost about £2.60 if it means anything...

Edited by Andyorch
edited

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Next time you are that desperate, dial 101.

 

Stealing won't help

 

H


40 years at the pointy end of the motor trade. :eek:

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Extremely unlikely that anything will happen. Chances are that they would only look at the CCTV if somebody reported seeing you doing this. Had you been seen at the time then you would have been stopped so please stop worrying. Even IF somebody was to review the CCTV (and they don't just do this for fun, they have to have a reason, it would be impossible to then use CCTV to see you leaving and which vehicle you got into so for all sorts of reasons you have absolutely nothing to worry about

 

That isn't to say that everything is OK, as stealing is never OK, and if it were to happen again, there is every chance that you would get caught and potentially be dealing with a police interview. If this is a one off then please make sure that it stays that way but if you are feeling compelled to do this more often, it is important that you speak to your GP as clearly the issues which are affecting you so badly at present need treatment. In fact make an appointment anyway - you need to get on top of things and start to feel better

 

If you need to make amends, why not put the money in an envelope along with an anonymous note saying that you discovered that you left without paying for whatever item it was. Post it to them or get somebody else to drop it at customer services


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Thread moved to appropriate forum


Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

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You don't say what kind of medication it is but I would like to suggest two things.

 

First of all, I agree that you will probably feel better if you send the money with a note of apology to the manager of the store. By all means send it anonymously. I'm sure this will make you feel much more comfortable and also if somebody had taken note of you, this would be fantastic evidence of your honesty and your good intent.

 

The second thing I would do is go and see a doctor – not for medication – but to be referred to somebody you can talk to. Everybody has their own view but I convinced that talking therapies are the very best way forward – even though it has to take longer.


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Hi and welcome to CAG.

Can I heartily endorse the other views expressed here, especially BankFodders point about talking therapy. It does help if you let it.

 

 

 

An anonymous £2.60 is probably better for you

 

 

 

Good luck


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Thank you all for your advice.

 

I have written a short anonymous letter of apology and included the money for the item.

 

I have also realised that this is rock bottom for me. I have an appointment with my GP this afternoon and spent a lot of time last night on the phone with a mental health helpline.

 

Thank you again

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Keep a copy of the letter and note the date which you have sent it.

 

Good for you on taking action to get to grips with the deeper stuff.

 

We can't help with that - and we wouldn't want to because we don't have that kind of capability - but if you have any of the kinds of things which we do deal with, such as debt etc - then come to us first.

 

I'm going to close this thread - but you are always welcome to start another on another issue


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style="text-align:center;"> Please note that this topic has not had any new posts for the last 604 days.

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