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    • ok best shot..   you need to reply to that letter of claim.   for debt covered by the consumer credit act:   send a cca request along with the completed form:   NOTE ONLY USE THE ATTACHED FORM below DO NOT USE THE FORM SUPPLIED BY THE DCA IN THEIR PAP LETTER!! DO NOT USE OR GIVE THEM YOUR EMAIL/PHONE NUMBER. USE ROYAL MAIL 1st class - get free proof of posting from any PO counter   box D tick   I dispute this debt because ..i refer you to our previous communications and my previous respond to your previous Letter of Claim. i am over 50yrs and have deferred as required to meet the age write off.    box I tick   I also require you to supply the following..   All signed agreements Copies All my deferment sent to either yourselves, the SLC or the SAAS to date. Copies of all communications bothways in whatever format to/from Erudio, Capquest, yourselves and Me A copy of the any Default Notices A copy of the Notice of Assignment A complete set of statements detailing exactly how the sum you allege is owed has accrued detailing: All Transactions. Any additional charges, be them by the original creditor or you xxxx the debt purchaser or any predecessor DCA. Details of all contractual interest added by whom and on what date. List of ALL Payments made toward the Agreement   no need to do the financial statement etc anything else or send anything else bar the above do NOT give them your phone nor email PRINT your name never sign the form   staple the £1  PO to the CCA request and send it to the debt purchaser return the completed PAP form below to the solicitors that sent it to you attain free proof of posting for BOTH at any PO counter 1st class mail will do. recorded is a waste of money   reply form PAP.pdf
    • There's more support for many in the Budget, but for some it still falls short. View the full article
    • no you are kidding me...   they can't be that thick surely... could be game over if they've faked it.   can you attach it to a private msg to me please.  
    • The original pdf did bring up txt boxes where my details were, it wasn't as if it was a photocopied document with my details embedded and I do find it awfully convenient it appeared the very next day after the case meeting.   The address was the same as it should have been, but ive only recently moved, this case was already in motion during my move.   Can I then just argue the authenticity of the CCA  at the next meeting? Explain that when put into a editor my personal details and only them pop up as carefully placed text boxes whereas the rest of the form looks photocopied??
    • have you written evidence it was hacked?    
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      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
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
      I opted for mediation, and it played out very similarly to other people's experiences.
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
      Many thanks, stay safe and have a good Christmas!
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

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Hi can some people give me advice please I’m really scared


today I went into primark and tag changed a pair of boots and my daughter out 2 things in the pram


now as I walked out security stopped me and took me to a room where the manager came in


he didn’t show me I’d, no cameras in the room, no recordings were taken, no copies of the incident report, no police was involved


they took my provisional license and photocopied it and said that I would receive a fine


I’m a single mum of 2 and worried I won’t be able to afford the fine what can I do???

Edited by dx100uk
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Hi and welcome to CAG



First of all, stop stealing! we will help as much as we can but if you continue to steal then it makes us look like fools.



Now, don't worry about this 'fine'. It is nothing of the sort. Security staff should know this but some of them are wannabe police and think they have some power. Nah!



what you will receive is a letter from RLP full of weasly words that will make you think that this charge is valid. IT IS NOT!



Primark got the goods back so there is no loss. You will be made to believe that the charge is for security costs. It's not



All you need to do is ignore RLP totally. They can do nothing to you - ever!



What you do need to do is get help finding out why you steal in the first place. Your GP may be able to assist with that.

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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Relax try and keep calm.



No police involvement is a good thing, any fine that might come through the post can be IGNORED, it is legally unenforceable.



Are you under your Dr for any treatment at all?



Is this normal behaviour?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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I would just like to add – as gently as possible – that even though your two-year-old daughter may have put something in the pram the fact that you changed pricetags on an item completely undermines the fact that the other items were taken by accident and innocently by your daughter.


I'm afraid that if it had gone to court then I would think the view would have been taken that you had been lying about all of the items and the magistrates would have been much tougher on you.


Clearly you had a fright and you have probably been lucky enough to escape without much consequence. However you should take heed of the advice not to do it again. Especially if you have a two-year-old daughter who is going to look up to you as being the most important and influential figure in her life. Think how shocked and desperate your daughter would feel if she grew up to discover that her mother had a record for stealing.

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Its not a fine..

Ignore rlp letters

Stop stealing!!


title shortened

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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it literally was my first time I never done these things I won’t be doing that again


Swhat will happen if I ignore the rlp and I get debt people involved as it’s under my mums address.


I know I feel awful for doing it I won’t be doing it again


I’m just scared cause the the letter will go my mums address as that what was on my provisional


I really don’t want no debt collectors nothing near me or my mums

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debt collectors are powerless and they 99% of the time never appear


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 Loopylass.


You will find the people here are very helpful and try not to judge - we all make silly decisions at some point.


Swapping prices on items is actually seen as more serious than shoplifting, because it is actually fraud - and should it have gone to court - it would have been dealt with as such. So please, if you ever have those gremlins tempting you to do it again, don’t.


BankFodder is absolutely correct in what he says. The fact you didn’t realise your daughter put some items in the pram would have been negated by your offence. Also, and I say this with respect, it is your responsibility as to what your daughter does. If your child was to pick something up whilst shopping, all they need to do is see you on CCTV looking at your daughter just once for a second (which I’m sure you would do at some point whilst you are shopping) and that’s game set and match. So without presuming to tell you how to do your job as a parent, please keep an eye on her whilst shopping from now on, now you know she has a penchant for grabbing stuff, to make sure it doesn’t happen again.


With regards the ‘fine’ - take note of what everybody here and in the hundreds of other threads are saying. Firstly it’s not a fine. Us security and Loss Prevention staff have NO powers to issue fines. A letter will come from RLP. And like everybody else says, ignore them. They will eventually send it to a debt collector, who you can also ignore. They prey on the fear to pay up. I’ve not known a case where RLP or a debt collector have legally enforced this debt in nearly 15 years.


If your mum doesn’t open your post then I would stick to the ignore them advice everybody is giving. However if you are genuinely worried about your mum finding out I would simply send their letter back with “not at this address” written over the envelope. I don’t recommend having ANY sort of contact with RLP - but this may be the safest way to try to stop the letters from going to your mothers. Certainly don’t phone them - this will make them believe they have you on the hook.


Please take the advice from the kind members here about seeking help for why you’ve made this decision, particularly if this is becoming a regular thing - remember we aren’t judging you - and see your GP.


Take care.



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