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    • I'm still pondering/ trying to find docs re the above issue. Moving on - same saga; different issue I'm trying to understand what I can do: The lender/ mortgagee-in-possession has a claim v me for alleged debt. But the debt has only been incurred due to them failing to sell property in >5y. I'm fighting them on this.   I've been trying to get an order for sale for 2y.  I got it legally added into my counterclaim - but that will only be dealt with at trial.  This is really frustrating. The otherside's lawyers made an application to adjourn trial for a few more months - allegedly wanting to try sort some kind of settlement with me and to use the stay to sell.  At the hearing I asked Judge to expedite the order for sale. I pointed out they need a court-imposed deadline or this adjournment is just another time wasting tactic (with interest still accruing) as they have no buyer.  But the judge said he could legally only deal with the order at trial. The otherside don't want to be forced to sell the property.. Disclosure has presented so many emails which prove they want to keep it. I raised some points with the judge including misconduct of the receiver. The judge suggested I may have a separate claim against the receiver?   On this point - earlier paid-for lawyers said my counterclaim should be directed at the lender for interference with the receiver and the lender should be held responsible for the receiver's actions/ inactions.   I don't clearly understand that, but their legal advice was something to do with the role a receiver has acting as an agent for a borrower which makes it hard for a borrower to make a claim against a receiver ???.  However the judge's comment has got me thinking.  He made it clear the current claim is lender v me - it's not receiver v me.  Yet it is the receiver who is appointed to sell the property. (The receiver is mentioned/ involved in my counterclaim only from the lender collusion/ interference perspective).  So would I be able to make a separate application for an order for sale against the receiver?  Disclosure shows receiver has constantly rejected offers. He gave a contract to one buyer 4y ago. But colluded with the lender's lawyer to withdraw the contract after 2w to instead give it to the ceo of the lender (his own ltd co) (using same lawyer).  Emails show it was their joint strategy for lender/ ceo to keep the property.  The receiver didn't put the ceo under any pressure to exchange quickly.  After 1 month they all colluded again to follow a very destructive path - to gut the property.  My account was apparently switched into a "different fund" to "enable them to do works" (probably something to do with the ceo as he switched his ltd co accountant to in-house).   Interestingly the receiver told lender not to incur significant works costs and to hold interest.  The costs were huge (added to my account) and interest was not held.   The receiver rejected a good offer put forward by me 1.5y ago.  And he rejected a high offer 1y ago - to the dismay of the agent.  Would reasons like this be good enough to make a separate application to the court against the receiver for an order for sale ??  Or due to the main proceedings and/or the weird relationship a borrower has with a receiver I cannot ?
    • so a new powerless B2B debt DCA set up less than a month ago with a 99% success rate... operating on a NWNF basis , but charging £30 to set up your use of them. that's gonna last 5mins.... = SPAMMERS AND SCAMMERS. a DCA is NOT a BAILIFF and have  ZERO legal powers on ANY debt - no matter WHAT its type. dx      
    • Migrants are caught in China's manufacturing battles with the West, as Beijing tries to save its economy.View the full article
    • You could send an SAR to DCbl on the pretext that you are going for a breach of your GDPR . They should then send the purported letter of discontinuance which may show why it ended up in Gloucester and see if you can get your  costs back on the day. It obviously won't be much but  at least perhaps a small recompense for your wasted day. Not exactly wasted since you had a great win  albeit much sweeter if you had beat them in Court. But a win is a win so well done. We will miss you as it has been almost two years since you first started out on this mission. { I would n't be surprised if the wrong Court was down to DCBL}. I see you said "till the next time" but I am guessing you will be avoiding private patrolled car parks for a while.🙂
    • It is extremely disappointing that you haven't told us anything about the result of the hearing. You came here at the very last minute and the regulars - all unpaid volunteers - sweated blood trying to get an acceptable Witness Statement prepared in an extremely short time. The least you could have done is tell us how the hearing went, information invaluable for future users. Evidently not.
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I took medication from a Sainsburys today


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I am beyond mortified.

 

I am in the middle of a very turbulent time in my life, my depression is all over the place .

 

Today I had period pain, I went to Sainsburys to get some medication. The pharmacy was closed.

 

I hovered in the section for ages before I STUPIDLY decided to take the medication off the shelf of the closed pharmacy.

 

I then panicked and left the store.

 

I wasn't stopped, but they would definitely have me on camera taking the medication from the closed pharmacy. I don't know if it is clear I still had it in my possession when I left, but they may also be able to see my car registration.

 

I am freaking out. I want to go back into the store and return the items and profusely apologise for this out of character behaviour, but I also know this could give them a reason to press charges...

 

Someone please give me some advice, I am a wreck.

 

The pills cost about £2.60 if it means anything...

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Next time you are that desperate, dial 101.

 

Stealing won't help

 

H

44 years at the pointy end of the motor trade. :eek:

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Extremely unlikely that anything will happen. Chances are that they would only look at the CCTV if somebody reported seeing you doing this. Had you been seen at the time then you would have been stopped so please stop worrying. Even IF somebody was to review the CCTV (and they don't just do this for fun, they have to have a reason, it would be impossible to then use CCTV to see you leaving and which vehicle you got into so for all sorts of reasons you have absolutely nothing to worry about

 

That isn't to say that everything is OK, as stealing is never OK, and if it were to happen again, there is every chance that you would get caught and potentially be dealing with a police interview. If this is a one off then please make sure that it stays that way but if you are feeling compelled to do this more often, it is important that you speak to your GP as clearly the issues which are affecting you so badly at present need treatment. In fact make an appointment anyway - you need to get on top of things and start to feel better

 

If you need to make amends, why not put the money in an envelope along with an anonymous note saying that you discovered that you left without paying for whatever item it was. Post it to them or get somebody else to drop it at customer services

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Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

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You don't say what kind of medication it is but I would like to suggest two things.

 

First of all, I agree that you will probably feel better if you send the money with a note of apology to the manager of the store. By all means send it anonymously. I'm sure this will make you feel much more comfortable and also if somebody had taken note of you, this would be fantastic evidence of your honesty and your good intent.

 

The second thing I would do is go and see a doctor – not for medication – but to be referred to somebody you can talk to. Everybody has their own view but I convinced that talking therapies are the very best way forward – even though it has to take longer.

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Hi and welcome to CAG.

Can I heartily endorse the other views expressed here, especially BankFodders point about talking therapy. It does help if you let it.

 

 

 

An anonymous £2.60 is probably better for you

 

 

 

Good luck

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Thank you all for your advice.

 

I have written a short anonymous letter of apology and included the money for the item.

 

I have also realised that this is rock bottom for me. I have an appointment with my GP this afternoon and spent a lot of time last night on the phone with a mental health helpline.

 

Thank you again

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Keep a copy of the letter and note the date which you have sent it.

 

Good for you on taking action to get to grips with the deeper stuff.

 

We can't help with that - and we wouldn't want to because we don't have that kind of capability - but if you have any of the kinds of things which we do deal with, such as debt etc - then come to us first.

 

I'm going to close this thread - but you are always welcome to start another on another issue

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