They automatically sent me a few refunds from charges but I believe they weren’t this account it was another overdraft current account I had with them.
There is a letter in the SAR for the other account number about a cheque refund
I never contacted them
So that amounts to about £700 at the current date today (with the formula back in)
Do I contact HBOS about these? I looked in the debt collection library but couldn’t see an overdraft letter.
Or is it a case of leaving it
If a bailiff does turn up, do not let him in he might try to "persuade" aka bully you into paying the debt as he might try to claim he can force entry, can only do that for a Criminal Fine.
Tell him/her, that named debtor does not live there hasn't for last 12 months, he took his property with him, so nothing is his. Offer to show a Council tax bill showing you as sole liable person.
Other option is to get a Statutory Declaration sworn at a Solicitors that all property in the house is yours and named debtor is not a resident, and get a couple of Notorised copies, and hand one to a bailiff if they call. Other thing is if you have a car, they might go after that, so showing V5 and insurance in your sole name helps with that one.
Above all don't worry, also film them with a mobile to capture any threats.
Unclebulgaria is correct that they shouldn't call if they have a current address, might be worth telling them where he is if they did call on you.
Father passed away - Ardent Credit Services (Vodafone) now claiming he owes money. Read more at https://www.consumeractiongroup.co.uk/topic/423040-father-passed-away-ardent-credit-services-vodafone-now-claiming-he-owes-money/
I was in Sainsbury’s today and did scan and shop.
I arrived in after a busy day at work and immediately got distracted by the clothes.
I put a few things in my trolley and then did a shop.
I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
I did and they took me upstairs.
I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
I offered to pay for the goods but the manager said it was too late.
He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
The cost of the items was about £40.
I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
I feel terrible. I have to declare this to my employer and NMC.
They kept me in a room on my own with 4 staff and have banned me from all stores.
The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
I’m so stressed,
can u appeal this or should I just accept it?