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    • Nothing will happen in regard to this one shoplifting event, other than Sainsburys won't let you shop in this store again.   But, if you continued to shoplift, then the consequences are more serious. Local to me, there  is a town where about 13 people have been banned from shopping in many of the shops. They are subject to some form of order, where if they set foot in any of the stores, they will be subject to arrest by Police.  
    • Agree with DX, Sadly, from the pics, it looks like you're bang to rights😪 The rules are very explicit. Before entering the box, you must ensure that you are able to completely exit. It looks like the car in front may have moved a couple of feet and tempted you to set off, but when you did that, there still wasn't enough room to completely exit the box. By all means ask to see the video evidence, but saying you had to stop because the vehicle in front stopped, isn't a valid defence.
    • Hello, welcome to CAG. I imagine the letter that the security guards talked about will be a letter from a company or lawyers who specialise in trying to extract money from shoplifters. I think Sainsbury's use DWF solicitors, otherwise it could be a company like RLP. It won't be a 'fine', only the police can do that. Look at this as a parallel 'justice' system that doesn't involve the plice. If you read around the forum for other cases of shoplifting, you'll get the idea of how this all works. If you think your behaviour has become compulsive, we suggest having a chat with your GP who should get you help for this. Best, HB
    • despite our wettest 18 months on record,  Low levels of rain and snow have cut Canada’s hydropower production, forcing it to increase electricity imports from the U.S.   - NYT
    • Hi all…. i was wondering if someone could help me. I am ashamed I have been caught shoplifting from Sainsbury’s by two undercover security guards who I suspect have been following me for a week now… I have been impulsively shoplifting due to what I think could have become an addiction of some kind. I am ashamed of what I had been doing and I do believe being caught has been for the greater good. i was taken to a room and asked to empty my bag, the guards were slightly rude but I complied with them politely as I know they are just doing their job and I am in the wrong. They retrieved my address, name, birthdate and took a photo of me, they asked me how many times I had shoplifted and I said twice and I didn’t want to be foolish and say just once. They issued me a letter of ban from the store and if I was caught in the store again the police would be called. They told me I would be paying 2x what I had stolen today as the goods had been damage which I am guessing is stole around £65 worth roughly. I did offer to pay for the items I had stolen on the day but they declined. They did not call the police but let me leave after claiming I was a lucky person. They told me to expect a letter in the post and that I “would be smart not to ignore it”  what should I be expecting in the post from them? I am aware from reading a lot online about security costs.. people mentioned to ignore these costs however as I had damaged the labelling on the goods should I still comply and pay the fines ?  kind regards awful shoplifter
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Reduced Income - reduced mortgage payment agreement


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hopefully it doesn't as AP is a devil to get rid off and can screw credit for upto 12yrs if a default is not registered.

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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Still unsure how this agreement with the bank should be recorded. Bank literature does not state the exact nature of what they report. Not sure how people can make informed decisions when a lack of information exists.

Key to moving forward is:

1- what was reported - on case with this waiting for details.

2 - what should have been reported - for this still unsure - more help/research required.

3 - how then to reduce the impact on credit score - for this I am completely in the dark.

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SAR/GDPR returned - but incomplete. No transcript of telephone conversation. They know it exists but now claiming this is a second request with a 30 day turn round and no staff to access the recordings. More delaying tactics, delayed as wanted a signature/proof letter.

 

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Not good enough,

 

They failed, report them to the ICO. There is no such thing as needing a second request

 

https://ico.org.uk/for-organisations/report-a-breach/

We could do with some help from you.

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  • 2 weeks later...
  • 1 month later...

Still trying to get to the bottom of this. Her CRA shows the six months of reduced payments as late payments as follows:

You have arrears on your account

Up to two months late.

Lender has argeed to vary payments for a time - 1 Nov 19 to 1 May 2020.

 

The following  6 months entries then shown as:

 

latest 2 entries as  1 month late

4 entries as 2 months late

 

Questions - 1) why recorded as late? and 2) why different length of lateness? The arrangement ended in March 2020

 

Still unsure of how these agreed late payments SHOULD be recorded. Any help on this would be greatly appreciated.

 

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Barclays now stating they are unable to supply transcript of telephone conversation relating to the payment plan due to Covid 19 restrictions.

Fear just a stalling tactic.

 

As stated by London 1971 inclined to report them to ICO, but unsure of the benefits to my daughter and whether she or I have the energy to do so.

 

She is very stressed and just wants the matter resolved.

I realise this will take a very long time to clear and I am trying to focus on the process rather than the outcome.

One step at a time.

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Is your daughter now paying the full amount? Or has she taken a Covid 19 payment holiday?

We could do with some help from you.

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Daughter now in tears - just got a letter from Barclays advising mortgage payments increasing by £340 a month.

Given the impact of the payment plan on her credit file she is not hopeful of getting a better deal. Assuming it has gone from fixed rate to their SVR.

Really need some help.

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They have calculated the arrears and divided it over the number of months left on the mortgage.  It does sound a lot though, mine has only gone up £45 per month taking into account a 6 month payment holiday. Although I have 18 years left. Does she have much left on her term?

 

I think a good step would be to find a good broker, I'm not convinced that a few late payment markers is going to be terminal to remortgaging. Also how much equity does she now have in the property? More than 25% and she probably has a world of better deals to choose from, and can tell Barclays to Foxtrot Oscar.

We could do with some help from you.

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Think the increase is due to end of fixed term and switch to SRV. Going to see her later to today to clarify. Hopefully can arrange a remortgage on more favourable terms and pay of the arrears.

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We could do with some help from you.

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It's all about the equity. That is the most powerful tool you have.

 

This lockdown has hurt me badly, I've had a payment holiday, but by a quirk of fate, house prices round here have ensured that I am at 25% equity from the 15% that I put down 2 years ago.  

 

What she needs to look on her credit compare the mortgage balance with what she brought the house for.  Typically at the beginning of a mortgage your only paying off a few thousand per year of the capital. The longer she's been paying, the more equity she will have.

 

Then it's worth looking on Zoopla to get a loose valuation, on how much the house might have gone up.  Naturally any mortgage would be subject to an independent valuation in order to confirm this, but Zoopla gives a rough idea.

We could do with some help from you.

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I think she will have companies falling over her to give her a better deal. Anything over 25% opens many doors.  Although this would be subject to an independent valuation.

 

33% equity trumps a few late payments during the the worst economic crisis in 100 years.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Got to find for a really good broker to help. 

 

Has anybody on this site got recommendations for a broker or mortgage company that could help.

 

Site team  - Would it be worth starting a new thread for this request and if so which section should it be opened in??

 

Thanks in advance

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Hi, has anybody had direct experience of using a Goodwill Adjustment letter to a creditor to have a bad marker removed from file? Came across this on the Which website

Looking to see if it might be worthwhile for a late payment issue where poor advice was given, especially re consequences. All payments quickly made up so no outstanding credit issues.

I know this relies on creditor having some empathy which is rare.

 

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far more info needed intend...

 

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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I have threads elsewhere re a repayment plan (6 months) with Barclays Mortgages during a maternity leave. Arrears now paid, trying to re-mortgage but with great difficulty.

Not really advised of dire consequences of this decision, trying to get SAR info but no luck with telephone recordings as yet. Complaint handler appear sympathetic but who knows to what extent.

Looked at Which website and they mentioned a Goodwill Adjustment letter which I have never heard of.

Intention of this thread was to see if anybody had used this to remove bad markers from their credit files.

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3 threads merged

please keep to one thread.

 

forget the calendar section of a credit - no-one bar the original creditor and the person can see that

 

its the summary status line the any potential lender will only see.

 

so as it stands, she as 1 or 2 in the calendar section which, correctly shows she was either late with the required payment for that month or short paid what should have been.

 

although these will effect here potential 'score'.

as said above only the lender and her can see them

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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Share on other sites

Happy to stick to one thread, purpose of thread in CRA section was to target responses re the Goodwill Adjustment.

Lack of response from Caggers to this would indicate it to be at best a very rare occurrence, if used at all.

 

She has been via one mortgage broker who was unable to help. Appears only route at moment is to stay with Barclays. Guess she will need a specialist broker who specialises in those with credible file issues.

 

Arrears have now been paid off - not sure how this will reflect on her credit file

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always better to keep to one thread

as anyone thats read it will be alerted

whereby a new thread does alert anyone and they have to browse to find it.

no-one gets any alerts if a new thread is started in a forum anymore. 

 

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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