Thanks fellas - appreciated

After reading the (long) apparent terms and conditions, I'm not convinced this seller isn't trying to avoid his obligations under SOGA. Can I hear someone else's opinion? http://tinyurl.com/ly4bjz2

Just spotted this in my experian credit report today: Which is weird, as today is 08/08/2012... Anyone know why this might happen?

Just to confirm some details with experian. I've now had another default removed from my account 02/08/2012. Previous score: (01/08/2012) with 3 defaults showing 560. New score: (04/08/2012) with 2 defaults showing 553. Change = -7 go figure... Nothing else has changed.

Not sure I've stolen anything from the banks? Not that it is in any way related to the point of this topic, but I'm getting used to your off-topic posts already... Please provide your name and address so people can come and steal small items from you as it's such a negligible matter to you.

That's not an arsey comment - I'm sorry you interpreted it that way. If you'd read my first post accurately, you'd have already noticed that I didn't ask for your opinion on the moral issues of the situation, simply whether I should report this to the police or not. I've noted your personal moral beliefs and I disagree with them entirely - however, that wasn't the point of this thread.

You're really attempting to convince me and others that I should let a case of theft slide because I occasionally speed on the motorway? In answer to some of your ridiculous comparisons though, no - I've never not given back incorrect change. I've also never stolen from my place of work, a colleague, or anyone else with malicious intent (added the caveat to cover myself from your next ridiculous counter-argument). I've also never drunk driven intentionally and wouldn't dream of it. Your moral compass is obviously pointed in a different direction to mine - and for that, I feel just a little bit of sympathy for you. If I've cost a thief his job then excellent - it was worth doing. One less thief in the office makes a better workplace for the other folk earning an HONEST living.If *I* stole from my workplace, I'd expect to get sacked too - if the thief didn't think of that before stealing, that's their fault and I've no sympathy whatsoever.

Thank you for the completeness of everyones replies. We have extensive cctv in the company already, and in fact have an entire HR policy on it. I'm not worried about that aspect. Regarding the morality of leaving money on my desk intentionally to catch a thief (or as you call it "temptation"), one could argue the same for bait cars by the police can one not? I wanted to know who was stealing from me - other things have been stolen from the office, and whilst I cannot blame the same person who stole from me with these crimes, it's possible that it IS the same person - one less thief in the office is certainly no bad thing. I have no care for anyones personal circumstances when they are stealing from me I'm afraid - if morally you're prepared to steal from me, you'll steal from someone else. Do the same trick to the whole office and you can bag probably £200 a week tax free. I'd like an extra £200 a week tax free, wouldn't you? Whether the thief needs the money for a kidney operation or a new playstation 3, it's theft. Good riddance. I am in agreement now that you're quite right regarding police involvement - let's keep this issue internal presuming HR do a through and proper job. thanks again for all your opinions!

For a long time (perhaps nievely) I've left a few pounds overnight in a bowl on my desk - generally the change from a fiver or something when I've got a snack from the company canteen etc. For the last few months, money has systematically been going missing. Obviously at first I thought it was just me going mad, but then I actually started really noticing it. I'd even mentioned it to the people around me at our group of desks. It became a standing joke sometimes that I was funding a security guard or cleaners evening meal... The amounts were never huge - perhaps I'd leave £3.48 in there(example), a mix of pound coins, silver and coppers. I'd return the next day to be left with (again, example) £0.88 - the pound coins and most silver removed, but not cleaned out implying someone was trying not to arouse suspicion. Anyway - after this went on for quite some time, the frequency would increase - practically every time I left money in there overnight it would be stolen. I never kept exact count, but always similar to the above example. I got tired of this whole situation, and almost as a joke, bought a motion activated covert CCTV camera, USB powered, looks like a memory stick. Plugged in on my untidy desk, it's unnoticeable. The second night after it arrives I've left it running. Intentionally leaving money in my pot. Not really expecting to catch anyone, but at least I feel like i'm doing something! Low and behold, part way through the night, clear as day, is a thief taking money. Totally visible, good lighting, instantly identifiable. Not from my department but I know the person in question (not a friend, I just know their name). After contacting my manager, I'm advised to contact our security department (I should point out the site I work at has 2,000+ employees), which I do. I send them the video. They refer it on to our HR department. Several days go by, and after prompting from me (and a LOT of questions from them to me (how many times had I recorded, how much ever taken, how frequent, reported before etc) they tell me that they plan to deal with this internally and not involve the police. The purpose of this thread is really to gauge opinion on whether I should contact the police anyway, and if so, at what point in this process. I'm very disappointed to hear they will not go to the police - my opinion is theft is theft, regardless of the value, and this should be done. I would appreciate other peoples views on this. Thanks very much in advance.

I did post them. Minimal change from a default being removed (+/- 40 points on a scale of 0-999 with Experian). Perhaps if you have only one default - maybe better. Most people with a default have more than one I suspect (was 6 myself, down to 3 - still no real impact in my score) - and my last 5 years are PERFECT (never overdrawn, one credit card £200 limit, used to 75% and paid in full every month).

I meant in general (not specifically this case). I read a lot on here about ghost payments and would love to know what happens when it turns out they lied...

surely claiming a payment was made when it was't is actually against the law in some way as it's effectively trying to bully you into paying a debt you no longer owe, by lying to you barefaced. Do they suffer no comeback for these types of actions? It's pretty disgraceful really. Any other line of business performing similar tactics would be brought before a court.

yep my thinking exactly. I'm hoping once my remaining defaults drop off (last one is Jan 2013) then because of my otherwise exemplary financial management it will increase nicely, along with my chances of gaining credit. To be honest though, in the last 5 years I've not had any credit whatsoever - not an overdraft, nothing except a £200 crap1 card I put £100 on and pay off in full every month (£200 limit) just to show regular reliable payments. I've not missed credit really tbh - I've saved for what I wanted and it's perhaps done me good in the long run. Frustrating now though as I want a loan for a new car and although I easily have the funds for the monthly payments, no one will accept me because of my actions 6-7 years ago. Bah.

I can't find on experian where is shows previous credit "scores" - the little graph seems to only show the current month, or (last month) the previous two months. It doesn't actually work as a graph! What I can say is I had three defaults drop off my file end of April. "Score" went from 565 to 595. Moved from "very poor" to "poor". I've still got a CCJ and 3 more defaults mind you.

even so, that would mean that it's 6.5 years from the date of last transaction with the creditor. How would one go about challenging this with the CRA's?