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    • The two companies are lowell and cabot.   I'll get the information and come back with it.   I did do quite a bit of 'Google' research before coming on here. There's a lot of confusing information out there they seem to tell you half the story.   Just so I'm clear. Bailiffs in my situation, if authorised by a court. Can enter the property through an unlocked door and seizure goods? Or can they not do that with a consumer credit ccj? Or point me in the right direction so I can read up on it.   Thank you for your help. It's good to finally speak to somebody who tells you how it is.
    • I've just acknowledged the claim and im reading up on how to do the cca and cpr requests now.   Thanks for all your help         Edit:   I was jus reading the cpr 13 template and it says i am requesting: " (template removed - dx)
    • Hi dx   Post 23 letter has been hidden as has a name in it. I did read the thread and in post 7 saw mention of 'must complain within 3 years of being aware it was mis-sold' if this is what you are referring to? Also my policy is live currently.   I think you know this, but it seems the RBS/Halifax agent doesnt know, that 'I became aware it was mis-sold just before I raised my claim (2019) having read a media article'  as I dont think the PPi team showed them the original claim form maybe, who knows.   Expanding, sorry I missed the word PPi after 'loan' in my post you quoted and highlighted. To be clear, the life protector was not for a loan, but a mortgage, and that mortgage did have a mis-sold PPi on it which they have admitted and refunded.   If it helps, I have several mortgage offers here from 1999 and they say 'Minimum life cover to be assigned to the bank'    The odd thing here is, I started the mortgage and PPi in 1999 but it was 2003 this life assurance started. I do categorically recall being told it was something I had to have though.   Many thanks   E 
    • MP's are good for other things but for some reason are not very good for Council Tax.
    • I've just acknowledged the claim and im reading up on how to do the cca and cpr requests now.   Thanks for all your help  
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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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My mother-in-law and I went to do some shopping to b&q on 21/12/2018. Since my mother-in-law was very old she was unable to carry either trolley or buggy.


I was using Buggy to carry my shopping. During shopping I left the jacket in the buggy on top of the stuff since it is hot in the store. After couple of hours, my 2 month old baby started crying and I was in a rush to leave the store since I need to feed her. So I bought the items on top of the buggy which were £80.00, however I completely forgot about the stuff under the buggy.


As soon as we passed the checkout security and the staff came running and stopped us. Until they pointed out we haven’t realized that there is still some stuff left with us which were not paid. I said sorry and I was in a rush to go home to feed my baby. Then they replied they were watching us from the CCTV and speculated that I deliberately was covering the stuff with my jacket and they said I was trying to cover up the theft using my baby.


The total cost of the items which are not paid are £103.00. It was nightmare as my baby was crying and I need to wait until the police arrived. Once the police arrived, after long discussions they made me sign community resolution considering it as the lowest level offence. I signed at the end because I am on VISA and got scared when they said if I don’t sign they will arrest me.

Now the CRS are back of me sending letters to pay £230.00 or else they will send me court notice and then I will be end paying for the magistrate fees as well. They gave me up to 25/01/2019 to pay the cost for the damages.


The store kept the items with them which are in good condition and not at all opened.

I was worried what’s gonna happen to me if I don't pay the CRS. Are they gonna send me a court notice which will affect my VISA.


Any help will be really appreciated.


I have also attached the pdf of the letter sent by CRS


Many Thanks in Advance.


Edited by Andyorch
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Hi and welcome to CAG. I have to go out shortly so this answer will have to do for now.


Completely ignore CRS. They have no power to do anything. Others will explain better than me for now.

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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civil claim so wont be criminal so I don't know where you got magitrates from?


read it carefully

theres nothing at all they can do to you, says may if but etc everywhere.


browse a few threads in this very forum about the likes of RLP and DWF.


you'll soon get the idea.


bottom line is as above just ignore everything.

and money you might be tempted to pay wont be seen by B&Q anyway

just go straight into either CRS's pocket for drinks later free on your


be used to fund their scary letters to other people they try and mug.


and this cant ever hurt your VISA either.


forget it happened

get on with your baby.


far more important than these fleecing muppets.



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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As above - completely ignore CRS - they will make all kinds of threats but it is extremely unlikely that it will go any further than threats. It is not a criminal matter at all, so they would have to sue in the civil court which would cost far more than they could hope to recover - and even if it did go that far they would need to prove that you deliberately intended to steal rather than this being a genuine mistake. Of course the CR order relies on an admission of guilt in order to be issued, but as above this remains a civil matter and will not involve the police any further


The CR order remains a private agreement between you and B&Q - the police have no powers to enforce it. The CR is not a criminal conviction so would not go on a criminal record although it might be stored as 'local information'.

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






If I have been helpful in any way - please feel free to click on the STAR to the left!


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Hi again,

I agree with my esteemed colleagues regarding CRS. They are the minnows in the very small field of civil recovery companies. The two biggest are RLP and DWF and the advice for all of them is to ignore,

CRS can do nothing to you-ever. ONLY B&Q can but they don't bother because it would cost them more than they could recover from a shoplifter.


I have been reading around DBS checks and from the answers I have seen, Community Resolutions are not stored on the Police National Computer but as Sidewinder stated, they will keep it as Local Information. Whether or not this is included in an Enhanced DBS check is up to the Chief Constable of the local force. I have found nothing regarding shoplifter/police action/Visa issues.


If it is disclosed when renewing a visa or getting leave to remain, it would be best to be honest, remorseful and understanding of the issues surrounding this incident.


You may not like what I say here but I have to say that 'forgetting' over £100 of stuff, I do find that hard to believe I'm afraid. IF it truly was an accident, I apologise but if you are trying to minimise your actions, you must accept this to be able to move on.

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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Thank you for your suggestions. Apologies for the delayed response. I was busy with my baby taking her to the hospital for the last 2 days. After reading your replies and going through other forums and threads I got better understanding and confidence. I am bit relieved now.

I will keep you guys updated.

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