Earlier today I was trying on clothes in Primark when for some reason I decided I would try and steal one of the six items I was going to buy . I was wearing Primark trousers anyway, I thought I could get away with just swapping my old Primark trousers with a new pair I wanted while in the changing rooms. The trousers I wanted only cost 5 pounds, and I am not skint, so I have no idea why I thought this was a good idea. as I was leaving the changing rooms and they came to check the number of clothes on hangers was the same number I came in with, they somehow realised that the trousers were my old pair. They brought me into a room at the side and went through everything else, and before they could say anything else I pretended to be shocked and say I must have forgot to change into my old trousers. They brought me to the changing rooms and told me to change back into the old trousers and give them the ones I had on. I stupidly took the labels off of them, so this must have verified I was trying to steal them rather than it being an honest mistake. I had never done this in my life, and didn't enter the changing rooms with this in mind- so I must have done a bad job at it. EDIT: I am 19 years old I admitted to trying to steal them instantly since in the past I've always been told that honesty is the best policy when it comes to getting into trouble. I also apologised and said that it was very stupid of me, and I will never do it again. The staff were having none of it, and ignored my pleas for remorse (rightly so). Then the lady told me to follow her as she brought everything I took into the changing room to the cashier so I could pay for it all. I wasn't even wanting to buy it all but out of embarrassment I bought it all, despite the fact half of it was in the wrong size or duplicates of each other in different sizes. I paid for it on my debit card, said sorry again and left. They also said I was banned from going into their changing rooms again. I am asking is whether they can track me down based on the fact I paid for the items on my card. Other than that they did not take my name, age, DOB, ID, photo etc (to my knowledge/ maybe they can see me coming out the changing rooms on security?). Furthermore, how long will this ban last? If they can not identify me how can they implement the restriction? or was this just to scare me? Obviously I made a bad decision which I have since learnt from. Shoplifting is embarrassing in itself when you can afford what you are trying to steal, but the fact that it was in Primark of all places is even more pathetic of me. So, what do you think? Thanks for any input or comments, I have not seen a thread like this yet.

Hi, was caught shoplifting in boots, picked up 4 items nearlly worth £700 (as per Boots). security staff took all my details, called police, and i had to wait until police turn up, but nobody came. security staff called police 4 times, they were given a log no. but were getting told that no police officers are free at the moment to attend. after 4 hours of waiting, i was let go, as the store had been closed and they waited over an hour for police even after the store was closed. i was escorted out , i was given banned notice and RLP recovery letter. was cautioned in 2009 for shoplifting in past (in another part of uk), never did anything wrong again after that. then in january this year i was in trouble with another retail store, they called police for shoplifting goods worth £40, police didnt arrest me since i had no id on me they wanted to know if all my details given to them were correct, they brought me home, they didnt enter my house but waited outside in car until i brought my id and showed it to them. then they just said that it was a slap on wrist this time but dont do anything wrong again. At that time i told them about incident of 2009 where i was cautioned but they seemed not to have that on their record. My question is that what should i do next? do i need to go to police station myself for last night event? will police come to my house to arrest me? (they dont have my phone no to contact me on.) will i go to prison or get a fine or get a caution? or will i be luckiest and police wont turn up at my house? will they search my house or enter inside (if this happens then i will loose my accommodation as i am living with a relative as i didnt have anywhere else to live, and slept two nights in a park two months ago then this relative finally helped and sheltered me, if they know about this then i will even loose the roof from my head) i am very very stressed and dont know what to do. (i asked security staff and he said that i dont need to go to police station, if police contact him then they wil pass my details to them and they will take it from there) they waited that long because of the worth of items stolen were about £650.

So much negativity recently so how about this, if you were in charge of our Country what would you change. Chose up to 6 things 1) I would abolish the Government 2) I would have a smoke free UK ( if only ) 3) Stop this stupid inflated wage thing, specially over paid footballers, no one should have a price on their head 4) At least £10 a hour plus for all, stop the £500+ wages, all equal 5) Help GOSH and The Lullaby Trust and any other charity not getting Government help 6) ban dummies. baby carriers, cot bumpers, and front facing car seats ( until big enough to sit on own ) Could think of a few more things, but over to all you Caggers

Posting on behalf of a friend, who is employed by a cleaning company. The facts: - She's been working for the company for 5+ years as a cleaner for a certain client for GBP 6.50/hr for 2 hrs/day (10hrs/week) and her husband was also employed there for the same wage for 3 hrs/day (15 hrs/week). - There is no written contract and she and her husband have never received anything from the employer except salary payments into their accounts. - Ever since she's been working there she was told by her supervisor that as long as the offices are cleaned properly it doesn't matter how many hours she works. As a result, she's been going for 3-4 hours/day to do both hers and her husband's work and was always paid for 5 hours/day. No complaints regarding her work have been made. - Her husband was sacked in Feb 2016 because he never showed up at work (even though the verbal arrangement has always been that she does the work of 2 people - apparently this was the norm at the company). This was after a management change, which also caused her old supervisor to be sacked. - Now she's received a letter from her employer (see below), which basically states that she's inflated the hours she was supposed to work and she owes the client of the employer 736 hours for 2015 (only) or GBP 4,784 and they are going to deduct it from her salary (which they've already started to do). It would become due if she decides to leave. They also include her husband's hours into this amount (not sure how they calculated 736 hours). I'm pretty sure most of the assertions in the letter are questionable, to say the least. She should have received a written contract and they can't just withhold money from her salary. They mention a meeting between her and the client last August, which she does not recall. They claim that the security guard has been tallying her hours in addition to her punching in/out and that's how they claim they've calculated 736 hours, which is not really believable. It's also clear that the company is trying to get rid of her (as they've already sacked her husband and most of her old colleagues), so she's going to look for another job. However, she wouldn't want to get a debt collections agency on her back and she would like the withheld money returned. So my question is what she should do at this point. LETTER - date 21 March 2016 [suspiciously close to the official minimum wage hike, too...] Dear **** Our customer has highlighted deficiencies in the hours that have been worked during 2015. 1. It would appear that on the majority of working days, only one person attended site when there should have been two, namely you and your husband. 2. Our customer has analysed the signing in times that you entered in the log book on their floor against the hours recorded by the security guard downstairs when you arrived and left the building each day. It would appear that you have been entering earlier arrival times and later departure times on the customer book their floor, compared with these recorded by the security guard. Consequently our customer has requested a refund of 736 hours' work that has not been carried out during 2015. You were aware that two people should be on site for 2.5 hours a day. From the evidence put to us, your husband very rarely attended site and you knew that. Further, you have been inflating the hours you have been working on site. You had a meeting directly with our customer in August where the deficiencies in the cleaning provision were pointed out and following this, two staff did start working again but this lasted just thirteen days. You and your husband have stolen 736 hours during 2015 from our customer. Based on an hourly rate of GBP 6.50, that is GBP 4,784. Accordingly this amount is to be repaid. We will arrange to commence recovery of this over payment from you at the rate of GBP 30.00 per week until the over payment is cleared. Should you leave our employment, the full amount will become due and we will expect payment immediately. Should you wish to discuss this matter further, kindly contact me immediately. Yours sincerely, *** Operations Director

Hi All, I am trying to get any information possible on the removal of Settled Accounts that were in good standing from the main credit agencies. I used a well known payday loan company back in 2013 and rolled over the loan a few times and always paid early and in full. Never late and no negative info at all. However fast forward 3 years , I am trying to secure a mortgage and have been refused due to having 6 entries from a specific payday loan lender. Even though they are all settled and paid and closed they underwriters see that as there were 6 entries, that I am a risk !! I have a good credit score and this is the only negative. This is causing me to have to look through other "brokered" lenders who all want to charge fees and I am looking at a higher interest rate also. It crazy that I borrowed and paid back on time and still penalised for it. Can any one give me any advise on how I can persuade the payday lender to remove the settled accounts from my files?? As its causing me financial issues if I have to pay a higher interest rate because of them. Any help appreciated. Thanks

As any sensible person will know, the Freeman movement are stating that using WeRe cheques are legal tender. Errm! Nope The Financial Conduct Authority have taken an interest in this and have published a statement. http://www.fca.org.uk/news/consumer-notice-were-bank If that doesn't convince you to stay away, you had better start investing in tinfoil hats

I came across this really great video on drones see here this fisherman caught a drone from a pier in the USA... https://www.youtube.com/watch?v=k8IP5HJFwLQ

I have been thinking for quite awhile that the Banks were not really properly fixed after the 07/08 crash. What happened was that the Banks sold off some of their rubbish debts and some assets, as well as money injected via the bailout and QE. There has also been some tightening of regulatory rules. But I am not convinced that the Banks have actually recovered that much, as the last round of end of year results were not that good. The Banks are still carrying many assets which are probably not as they are valued at. Look at the adverts on TV for loans with interest rates anywhere between 40% and 400%. You don't see many high street Banks advertising loans on TV. Also the motor industry reporting an increase in sales, said that they had been providing finance themselves to customers, presumably because they cannot get the money from the Banks at the interest rates wanted. What is the true state of UK and world Banking in general ? Nb. Two big European Banks (Santander & Deutsche Bank) failed US stress tests recently.

After 6 years my Bankruptcy has finally been removed from my credit file. A default for one of the loans included also gone. However I have an old RBS bank account and loan account that for some reason weren't defaulted but were included in the BR that are still showing on my Equifax credit report as partially settled. I would like to get these removed. What are the chances?

Hi, Back in January 2011 I was convicted of a minor offense and was given a bill of £500 by the courts. At the time I was unemployed and was receiving Job Seekers Allowance. I remember speaking with somebody over the telephone who was employed at the court payment office who agreed to deduct £100 every month from the JSA payments to cover the costs to which I agreed and thought no more of it. 5 months later (in May) I was offered a fairly decent paying job abroad for which I accepted. I proceeded to sign out of the tenancy with my landlord, however some complications arised and I had to stay for a few more months. During these months I moved temporarily into a shared accommodation (as I had already finalised my then tenancy) for which I have records of as I transferred my JSA to this new address during that period. Fast forward to today I was speaking with an old friend, I asked him if he could pop around to my old house just for the sake of it and see if I have any letters that I am still receiving. I had no new letters due to the fact that the new tenants returned any mail that was sent to me however they had stacked up the first few months of letters just in case I came to pick them up. Anyway, to my surprise one of those letters they kept was from a Bailiff company telling me that I apparently owe them a few thousand pounds on top of the £500 that I apparently failed to pay the court. At first I didn't care much for it, even though I was angry, but then I realised that this debt owed is technically to the government which I definitely do not want to mess around with. He then opened up a few more letters and one of them was from the court in July (I moved out in May, paperwork to prove this) that claims they just recently attempted to take out money but couldn't. What shocks me is that they waited 6 months to attempt to take money off my JSA even though they said it would be immediate and every month. I was not on JSA during that very specific time frame they attempted to take out money as I was right in the middle of moving which meant my JSA was frozen until I transferred to the new JC office which I never had much time to get around to doing. Again, I never received this letter as by then I had moved to my new temp accommodation and then shortly after, abroad. What annoys me the most is that we agreed that £100 a month was to be taken out every month, why they waited 7 months for that is beyond me? Also, what gave them the silly impression that I would have still been on JSA in 7 months? (I know I was but that’s not the point.) They simply never sent me any letters during the period up until May and I had completely forgotten about it. If you’re wondering why I never spotted the missing deductions, this was due to the fact that I would never check the total of credited money into my account as I had my own money in there too and never really kept track if £100 was missing from the total or not as I was making purchases and paying bills at the same time. I know it sounds silly but that is the case. Anyway, the fact of the matter is, I still owe the £500 which is not a problem, and I am willing to pay upon my return, however, what grounds do I have to get them to waive this silly bailiff fees they have dumped on me due to their own incompetence? Also, can I pay the £500 straight to the courts separately, that way I know I do not owe any money to the courts, and deal with the bailiffs separately? Or is the debt all rolled up into one now? I would much prefer to pay the debt to the court from over here before I even return to save any grief at passport control as there could possibly be a warrant out for me now? There's no way of me knowing as all later letters where returned by the new tenants. All the advice I can get is appreciated. With regards,

Don't say you weren't warned. This is actually a bit spooky! http://simply-wrong.com/dont-say-we-werent-warned/

This has to be the height of absurdity! Click here.

Last May my husband purchased a car from a Toyota dealer. Fast forwward to today and we decided to purchase another car from the same dealer but using our car as part ex. We have ripped the house apart searching for the V5 but couldn't find it. My husband of couse blamed me as I usually put things in safe places but can never remember where. We called the DVLA to see about requesting a new V5 only to be told the car isn't and has never been registered to us and is still registered to the dealer. Now I'm sure we received the V5 but it would appear not (bearing in mind we have had 8 cars in the last 8 years so maybe I was thinking about another V5 we have received) What I am wanting to know is were we ever insured to drive the car. My husband and I are named on the insurance policy and I clicked yes to my husband being the registered keeper but honestly had no idea he wasn't until today. Also what puzzles me is last July my husband was sent a letter from the police as he was caught speeding and opted for the speed awareness course. I always though that if you were caught speeding the police would go to the DVLA for the registered keepers details so they could issue the fine. We called the police who issued the letter and they say that they would have gone to the DVLA who gave them the dealers details who in turn advised the car had been sold the my husband. So once again why didn't it click with the dealer that they were still down as the registered keeper almost 3 months ater selling the car? Any help would be much appreciated..

I sued Capital One in 2009 for credit card charges, they sent a cheque before the hearing, but they deducted £352.86 of this from the settlement cheque to pay Cabot whom they had sold the debt to. I now understand that they should not have done this under the offsetting rules, I have successfully claimed from Monument before over this, shall I be writing to the DCA for the money of Cap 1? I have just looked through the correspondence from the time and I have accepted the cheque as full and final settlement for paying the money to cabot. Also, they sent a letter to the court claiming they had paid the full amount under no liability. So does that leave them open for another shot? Do I still have a chance even though I achknowledged the payment to Cabot?