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    • Hi dx,   Yes, it does say on the letter 30 days to reply.   Sorry, it was addressed to him, I just said I received it in my initial post for simplicity, really. His name is on the agreement. In hindsight there was a lot wrong with the sale: he only has a provisional license, appropriate affordability checks weren't carried out etc, you know what car salesman are like, they're only interested in the sale.    Yes, I rang them up and said I had lost my job. I asked if the payments could be reduced or that the finance term could be extended but they would only accept voluntary termination and then requested that I sent them an email to confirm my  decision which I confirmed on 21/07/2020. I sent several emails back and forth stating over and over that I could in no way afford to pay back the amount. They did unfortunately, email back with regards to paying 50% of the outstanding back:       However, there was no mention of anything other than voluntary termination?  
    • That would be me.   Any signs of the response yet?
    • ah good. changes things then. but you must reply to them within 30days. we'll deal with that later.   now why are you getting this letter if the agreement you said earlier is in your brothers name? should be in his name its also not on that they did that, it was obvious you could not get the credit , so can you clarify please who's name is on the agreement too?   what is also not very nice either is they scammed you into handing the car back under i would assume voluntary surrender, whereby you owe everything, rather than telling you you could voluntary terminate only owing to the 50% mark.   can you expand upon the how the handback came about and what they did and didn't say?   all of the above if true bodes well to p'haps buffing this debt away .   dx
    • Hi dx,   The letter does not have any title but, it does have attached to it a reply pack with an income and expenditure form included.   No problem, I'll scan and upload the agreement tomorrow so you can have a browse. Just as an aside, the agreement does say on the top of the page hire agreement regulated by the Consumer Credit Act 1974. So I was wrong.   Thanks!
    • Thank you both. My defence was as vague as their Claim.   1. I am the defendant in this claim and litigant in person. All allegations made by the claimant are denied.   2. The defendant does not recognise the alleged agreement xxxxxxxxxxx as mentioned in the particulars of claim therefore it is denied that any such agreement exists.   3. The defendant has requested copies of the alleged agreement under Data Subject Access Request, Consumer Credit act 1974 s.77/8 and Civil Procedure Rules 31.4 but to date the claimant has failed to provide a copy of this document.   4.The defendant has also requested copies of the default and termination notice for the alleged account xxxxxxxxx as required to legally enforce the alleged debt, but again the claimant has failed to provide either.   5. In addition the defendant has requested copies of statements for the alleged account xxxxxxx showing the amount of monies allegedly owed to the claimant. To Date these have not been provided.   6. The defendants view is that this claim is vexatious and an abuse of process as the claimant has failed to provide any documentation to support their claim and respectfully requests that the said claim be struck out.   As an aside, I noticed that the 'statement' they did provide had a different figure on it to what they are claiming, so I will hopefully be able to flesh out quite a bit in my skeleton argument.   Spam 
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      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
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First time poster please advise - shoplifting from sainsburys


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Hi all

 

Today I had a moment of insanity,

wanted to buy some pants for my daughter,

thought £5 was a bit pricey for one pair of pants for a baby and added another pair to the hanger,

went to the checkout with my other items paid (only for 1 pair of pants as store operative did not realise what I had done)

then left the shop.

 

On leaving the shop saw the security guard and a staff member speaking to him who then immediately looked at me - but no one tried to stop me..

 

I immediately regret what I did and can honestly say it will never happen again.

I would happily go back and pay for the item which is only worth £5.

 

I have a history of anxiety and have not stopped panicking since I left the store.

Worried the police are going to turn up and arrest me

- that I’ll go to jail and my 3 month old baby will be taken away from me..

 

I can’t believe I was so careless and stupid over £5!

 

Anyway question is - will the above happen?

 

Am I likely to have the police turn up or will I get a letter with a fine in a few weeks if anything is to come of it?

 

I don’t even know if it was just coincidence the staff member was looking at me while I exited.

Surely if it was suspected I would have been stopped then and there?

 

I know it was wrong it won’t happen again just looking for advice

 

Many thanks

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the police wont turn up

you cant be retrospectively 'fined' for anything

you wont/cant just be taken to jail

your baby wont/cant just be taken from you.

 

they don't know who you are etc etc etc.

 

if you really feel that bad about it

return to the shop and give the other pair back.

you don't even have to do it yourself

type a note

pin it to them

leave it in the store.

 

p'haps time to go have a chat with say your doctor or someone?

 

 

 

 

 

you

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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Thanks for your speedy response - I feel so stupid and careless, what sort of example is that setting for my child.

 

I have decided I will take them back to the store tomorrow and pay for them,

I may just say when I got home I realised only one pair on receipt but I wanted to pay for two so came back to pay for them...

I know it’s all rather silly but it will make me feel better at least.

 

I’ve felt like I need to speak to my dr for a while

- I have the anxiety mentioned and I had a difficult time with the birth of my daughter and am really struggling to cope with it but I wouldn’t say it was post natal depression .

 

I am just worried if I go to gp they will think I am not coping with the baby and bring social services in and they will think I’m unfit and take her away.

 

She’s an amazing baby who’s well looked after, regularly taken for check ups and weighed, and wants for nothing.

I just have a hang up as part of my anxiety that someone will take my baby -

I don’t even like people i don’t know well holding her for fear they may just take her and run..

silly I know but to me a real fear.

 

that’s off topic

- thank you for your advise which had eased my feelings a little,

the item will be taken back and paid for tomorrow and I may contact my gp

— I probably need to, just frightened to.

Edited by dx100uk
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don't forget the Hippocratic oath your doctors abide by.

but no they wont do anything of the sort!!

 

they see 100's far worse than a simple case like yourself....

 

I think you are being very forthright in taking them back and paying, it will make the world of difference to your attitude to everything.

 

you've done nowt wrong..so don't beat yourself up about a little cry for help...

 

chin up...

 

dx

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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Hi and welcome to CAG,

 

 

You will be surprised if you read some of the threads here that there are others in a similar situation to you. People make poor choices, as simple as that. The thing to do is to assess the underlying reasons for the theft. I guarantee it won't be the price.

As mentioned by DX, your GP is the best person to talk to about your symptoms and they are bound by patient confidentiality. Getting help rather than suffering alone will benefit you. Anxiety can be treated, either by pill popping or by talking therapy. The latter works. I know it did in my case.

 

 

Paying for the second pair is an idea but if they want your name and address, I would not give it. They have no right to it nor need it to pay for the second pair.

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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Hi Silverfox,

 

Thank you for your advise

- today I went back explained as per above that there must have been a mistake as only one pair was scanned, the lady said I could keep them!?

 

As it was their mistake, to which I said no I insist I pay for them.

She then scanned them, turns out the items went into a 1/2 price sale today so technically I have paid for both and they had no way to charge me the full price

 

I took them back to do the right thing and turns out I didn’t have to pay for them after all!

 

Which makes me feel even dafter!

 

But huge relief, lesson well learned, never to be done again.

Thank you both for your support!

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aw that's great

 

the gods are shining on you

 

well done!!

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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Brilliant. That's something I don't say very often. Funny as well. Seriously, this is now over so no need to think about it again. Just don't be tempted ever again. :!:

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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