Help me please

[carolanne]

Re: Help me please

Yes Johnboy007 I have been going through the menopause for some time, I also have had several operations including 3 major ones on my bowel which ended in me having the ace procedure ( a stoma) and at the time my rear was sore swollen and bruised lol, I only went for a look around the shop because I was fed up of being in the house, I don't find your question too personal lol.
I have been depressed as well but manage to hide this very well, I do worry naturally but have never let any one bully me before, I have always stood my ground.
I think its the shame and embarrassment of the whole issue, all my own fault I admit.
I did even offer to pay for the goods at the time but was refused, the funny thing is I got my daughter to go to the store and purchase them for me afterwards, so not as if I didn't want them if you understand that.
I am not trying to look for excuses for my actions but after reading what they do to people it is very scary, I am going to take all your advice and stick it out, and because I am so upset regarding the toilet issue, If they do take me to court I would definitely seek advice of a counter claim... I can't thank everyone enough for the help...

[wales01man]

Re: Help me please

Can I suggest that while everything is fresh in your mind you write down eveyrthing that happened incase these idiots take ny court action which is unlikely then you could start a counter claim against the store and its security goons.

Most of all stop worrying

[carolanne]

Re: Help me please

Now received 4th letter from RLP they are now saying if I don't pay up within 14 days with reasonable settlement proposals it will be issued or passed to a specialist company which recovers debts and undisputed claims for damages..
also as they advised me in the last letter, as they have not heard from me, their client's account of the incident may be relied upon as an accurate account, and will be retained for 6 years. There is sufficient evidence to establish liability... (what does this mean)
I don't intend replying to them... The only thing that worries me is that I am looking to move house and to be able to rent I will have to have credit checks done, will this show up, does anyone know the answer to this,,,,
Thank You:tinysmile_cry_t:

[des8]

Re: Help me please

So things are progressing as we advised and you are, IMO correct to continue to ignore.

Your credit report typically holds the following information.

• A list of all your credit accounts which will include bank and credit card accounts including other credit arrangements such as outstanding loan agreements or those with your utility company. They will show whether you have made repayments on time and in full. Items such as missed or late payments will stay on your credit report for at least six years, as do court judgments for non-payment of debts, bankruptcies and individual voluntary arrangements
• Details of any people who are financially linked to you, which means you’ve taken out joint credit
• Public record information such as County Court Judgments (called ‘Decrees’ in Scotland), house repossessions and bankruptcies for six years after they occur
• Your current account provider, but only details of overdrafts
• Whether you are on the electoral register
• Your name and date of birth
• Your current and previous addresses, and
• If you've committed a fraud (or someone has stolen your identity and committed fraud) this will be held on your file under the CIFAS section

Your credit report doesn’t carry other personal information such as your salary, religion or any criminal record

Employers and landlords can check your credit report, although they will usually only see public record information such as electoral register information and whether any County Court Judgements (or Decrees in Scotland) or insolvency records are held against you.

So this will not appear on your credit record, nor would a landlord see it eve if it did.

I know it's easy to say cease worrying, but it's the best advice I can give:tinysmile_grin_t:

[des8]

Re: Help me please

So things are progressing as we advised and you are, IMO correct to continue to ignore.

Your credit report typically holds the following information.

• A list of all your credit accounts which will include bank and credit card accounts including other credit arrangements such as outstanding loan agreements or those with your utility company. They will show whether you have made repayments on time and in full. Items such as missed or late payments will stay on your credit report for at least six years, as do court judgments for non-payment of debts, bankruptcies and individual voluntary arrangements
• Details of any people who are financially linked to you, which means you’ve taken out joint credit
• Public record information such as County Court Judgments (called ‘Decrees’ in Scotland), house repossessions and bankruptcies for six years after they occur
• Your current account provider, but only details of overdrafts
• Whether you are on the electoral register
• Your name and date of birth
• Your current and previous addresses, and
• If you've committed a fraud (or someone has stolen your identity and committed fraud) this will be held on your file under the CIFAS section

Your credit report doesn’t carry other personal information such as your salary, religion or any criminal record

Employers and landlords can check your credit report, although they will usually only see public record information such as electoral register information and whether any County Court Judgements (or Decrees in Scotland) or insolvency records are held against you.

So this will not appear on your credit record, nor would a landlord see it eve if it did.

I know it's easy to say cease worrying, but it's the best advice I can give:tinysmile_grin_t:

[carolanne]

Re: Help me please

So things are progressing as we advised and you are, IMO correct to continue to ignore.

Your credit report typically holds the following information.

• A list of all your credit accounts which will include bank and credit card accounts including other credit arrangements such as outstanding loan agreements or those with your utility company. They will show whether you have made repayments on time and in full. Items such as missed or late payments will stay on your credit report for at least six years, as do court judgments for non-payment of debts, bankruptcies and individual voluntary arrangements
• Details of any people who are financially linked to you, which means you’ve taken out joint credit
• Public record information such as County Court Judgments (called ‘Decrees’ in Scotland), house repossessions and bankruptcies for six years after they occur
• Your current account provider, but only details of overdrafts
• Whether you are on the electoral register
• Your name and date of birth
• Your current and previous addresses, and
• If you've committed a fraud (or someone has stolen your identity and committed fraud) this will be held on your file under the CIFAS section

Your credit report doesn’t carry other personal information such as your salary, religion or any criminal record

Employers and landlords can check your credit report, although they will usually only see public record information such as electoral register information and whether any County Court Judgements (or Decrees in Scotland) or insolvency records are held against you.

So this will not appear on your credit record, nor would a landlord see it eve if it did.

I know it's easy to say cease worrying, but it's the best advice I can give:tinysmile_grin_t:

Thank you!