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    • Speaking of the reformatory boys, here they are with all of their supporters, some of whom traveled with them from miles away, all carefully crammed together and photographed to look like there were more than about 80 .. rather like Farages last rally with even fewer people crammed around what looked like an ice cream van or mobile tea bar ... Although a number in the crowd apparently thought they were at a vintage car rally as they appeared to be chanting 'crank-her'. A vintage Bentley must be out of view.   Is this all there is? Its less than the Tory candidate. - shut up and smile while they get a camera angle that looks better
    • in order for us to help you we require the following information:- Which Court have you received the claim from ? Canterbury If possible please scan redact and upload a full page copy of page 1 of the claim form. ( Name of the Claimant ? Moneybarn No 1   How many defendant's  joint or self ? One Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 29/05/24 Acknowledged by 14/06/24  Defence by 29/06/24  Particulars of Claim PARTICULARS OF CLAIM   1.  By a Conditional Sale Agreement in writing made on 25th August 2022. Between the Claimant and Defendant, the Claimant let to the Defendant on Conditional Sale. A Ford Ranger 3.2 TDCi (200 P S) 4x4 Wildtrack  Double Cab Pickup 3200cc (Sep.2015) Registration No, ******* Chassis number ***************** (“The Vehicle”).  A copy of the agreement is attached   2.  The price of the goods was £15,995.00.  The Initial Rental was £8500.00.  The total charge for credit was £3575.;17 And the balance of £11,070.17 was payable by 59 equal consecutive monthly instalments of £187 63. payable on the 25th of each month.   3.  The following were expressed conditions of the set agreement,   Clause 8: Our Right to End this Agreement  8.1   Subject to sending you the notice as required by law, any of the following events will entitle us to end this Agreement: 8.1.2  You fail to pay the advance payment (if any) or any of the payments as specified on the front page of this agreement or any other sum payable under this Agreement. 8.1.3 If any of the information you have given us before entering into this Agreement or during the term of this Agreement was false 8.1.4 We consider, acting reasonably, that the goods may be in jeopardy or that our rights in the goods may otherwise be prejudiced. 8.1.5 If you die 8.1.6 If a bankruptcy petition is presented against you; if you petition for your own bankruptcy, or make a live arrangement with your creditors or call a meeting of them. 8. 1.7 If in Scotland, you become insolvent or sequestration or a receiver, judicial factor or trustee to be appointed over any of your estate, or effects or suffer an arrestment, charge attachment or other diligence to be issued or levied on any of your estate or effects or suffer any exercise, or threatened exercise of landlords hype hypothec 8.1.8 If you are a partnership, you are dissolved 8.1.9 If the goods are destroyed, lost, stolen and/or treated by the insurer as a total loss in response to an insurance claim. 8.1.10 If we reasonably believe any payment made to us in respect of this Agreement is a proceed of crime. 8.1.11 If steps are taken by us to terminate any other agreement which you have entered into with us.   Clause 9.  Effect of Us Terminating Agreement   9.1 If this Agreement terminates under clause 8 the following will apply 9.1.1 Subject to the rights given to you by law, you will no longer be entitled to possession of the goods and must return them to us to an address as we may reasonably specify, (removing or commencing the removal of any cherished plates) together with a V5 registration certificate, both sets of keys and a service record book. If you are unable or unwilling to return the goods to us then we shall collect the goods and we'll charge you in accordance with clause 10.3 9.1.2 We will be entitled to immediate payment from you for all payments and all other sums do under this agreement at the date of termination 9.1.3 We will sell the goods or public sale at the earliest opportunity once the goods are in a reasonable condition which includes a return of the items listed in clause 7.1.4 9.1.4 We will be entitled to immediate payment from you of the rest of the Total Amount Payable under this agreement less: ( a) A rebate for early settlement ias required by law which will be calculated and notified to you at the time of payment (b) The proceeds of sale of the goods (if any) after deduction of all costs associated with finding you and/or the goods, recovery, refurbishment and repair. Insurance, storage, sale, agents fees, cherished plate removal, replacement keys, costs associated with obtaining service history for the goods and in relation to obtaining a duplicate V5 registration certificate   4, The following are particulars required by Civil Procedure Rules. Rule 7.9 as set out in 7.1 and 7.2 of the associated Practice Direction entitled Hire Purchase Claims:-   a)     The agreement is dated 25 August 2022. And is between Moneybarn No1 Limited  and xxxxxxxxx under agreement number 756050. b)    The claimant was one of the original parties to the agreement. c)    The agreement is regulated under the Consumer Credit Act 1974. d)    The goods claimed Ford Ranger 3.2 TDCi ( 200 PS) 4x4 Wildtrack Double Cab Pickup 3200 cc (Sep2015} Registration No ^^^^^^^ Chassis number ***************** e)     Thw total price of the goods £19570 f)     The paid up sum £1206 5 g)    The unpaid balance of the total price £7505 (to include charges) h)    A default notice was sent to the defendant on 20th February 2024 by Firrst class post i)      The date when the right to demand delivery of the goods accrued 14 March 2024 j)      The amount if any claimed as an alternative to delivery of the goods 7505 22 include charges ]= 5.  A the date of service of the notice the instalments were £562.89 in arrears. 6. By reason of the Termination of the Agreement by the notice, defendant became liable to pay the sum of £7502 7. The date of maturity the agreement is 24th August 2027. 8. Further or  alternative by reasons of  the Defendant breaches of the agreement by failing to pay the said instalments, the Defendant evinced an intention no longer to be bound by the Agreement and repudiated it by the said Notice the claimant accepted that repudiation 9. By reason of such repudiation the claimant has suffered loss and damage.   Total amount payable £19570 Less sum paid or in arrears by the date of repudiation £12064 97 Balance £7505 (to include charges.) ( The claimant will give credit if necessary for the value of the vehicle if recovered.)  The claimant therefore claims 1.    An order for delivery up of the vehicle 2.    The MoneyClaim to be adjourned generally with liberty to restore,  Upon restoration of the MoneyClaim following return or loss of the vehicle. the Claimant will ensure the pre action protocol for debt claims is followed. 3.    Pursuant to s 90 (1)  of the Consumer Credit Act 1974. An order that the Claimant and/or its agents may enter any premises in which the vehicle is situated in order to recover the vehicle should it not be returned by the Defendant 4.    further or alternatively damages 5.    costs.   Statement of truth The Claimant believes that the facts stated in these Particulars of Claim are true. The Claimant understands that the proceedings for contempt of court may be brought against anyone who makes or causes to be made a false statement in the document for verified by statement of truth without an honest belief in its truth. I am duly Authorised by the Claimant to sign these Particulars of Claim signed Dated 17th of April 2024   What is the total value of the claim? 7502   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No   Never heard of this   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? n/a Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? No   When did you enter into the original agreement before or after April 2007 ? After  Do you recall how you entered into the agreement...On line /In branch/By post ? In a garage  Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes  Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Original Were you aware the account had been assigned – did you receive a Notice of Assignment? n/a   Did you receive a Default Notice from the original creditor? They said sent but nor received   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? None seen   Why did you cease payments? Still Paying,   What was the date of your last payment? Yesterday  31st May 2024   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes on 12 Feb 2024   What you need to do now.   Can't scan, will do via another means as you cant have jpg
    • Now that is an interesting article which adds afew perspective that I hadn't thought significant - but on reflection of the perspectives offered ... Now Starmer is no Blair, however 'blairite he may be perceived, but the Tories aren't tories and aren't even remotely liberal   The fast 'unannounced and unexpected election call from sunack may well be explained by the opinion linked that he hoped reform would be unprepared and effectively call a chunk of Farages largely empty bluster - making him look even more of a prat, leave scope for attacks on shabby reform candidates and mimimise core vote losses to reform - while throwing the 'middle ground' (relative) tories TO THE DOGS - and with the added bonus of likely pacifying his missu' desire to jogg off to sunny cal tout suite somewhat   thumb in the air - I expect about 140ish tory seats, but can hope for under a hundred Reform - got to admit the outside possibility of 1, maybe 2 seats with about 8% of the vote - but unlikely. I think projections of over 10% of the vote for reform is nudged and paid for speculation - but possible with the expected massive drives from Russian, Chinese and far right social media bot and troll prods targeting the gullible.
    • Commentary June 2024 WWW.ELECTORALCALCULUS.CO.UK Interesting article about just how bad it could be for the Tories.  Also Tories could be hoping on Reform not having candidates in many seats, as they were not ready.  
    • Even a Piers Morgan is an improvement and a gutless Farage Piers Morgan calls for second Brexit referendum WWW.THELONDONECONOMIC.COM Piers Morgan and Nigel Farage have faced off over Brexit and a second referendum in a heated reunion on BBC Question Time.   “Why don’t we have another referendum about Brexit?” he questioned. “I seem to remember when 2016 came around we were told there was going to be control of our borders and it was going to be economically beneficial to this country. And eight years later we have lost complete control of our borders… and economically it seems to have been a wilful act of self-harm.”   ... Piers missed off : after all somebody said a 48/52 decision would be "unfinished business" by a long way - was that person just bul lying (again)  
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Been stopped for shoplifting? Read here.


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Firstly, this post is NOT intended to condone shoplifting. It's to protect people from somewhat rogue security officers/retail profit protection colleagues from abusing their positions. Theft is theft and if you comply peacefully, you'll most than likely end up in a better position than running.

 

People steal for all sorts of reasons, sometimes it's an accident (You forget you have an item in your hand), compulsion, to make ends meet etc. The fact is, if you remove an item with the intention of permanantly depriving the rightful owner of it - It's theft. If you forget to pay, use self scan and make an effort to scan it but it doesn't register or a cashier doesn't scan an item, it is not theft.

 

If you find yourself stopped for shop lifting, there are various rules that the civilian making the stop has to follow. This does not count if you've been stopped by police.

Remember, a Profit Protection Colleague, Security Officer or any body else other than the police have only the same rights as you or me. They have to see a certain set of instances known as "SCONE".

 

S - Selection of the item. (i.e, approaching a shelf empty handed, picking the item up).

C - Concealment (Putting the item in a bag, coat, whatever)

O - Observation (They have to watch you consistantly. If their vision is broken at any time, they shouldn't make a stop)

N - Non payment (Going beyond the last point of payment in store - This is your last chance to make your name clean by paying or making an excuse at the checkout)

E - Exit (Leaving the store completely past all points of payment with no intention of returning immediately)

 

If YOU believe that any of the above have not been followed, seen and recorded mentally by the officer who is observing you, YOU have every right to put the item down and leave the store.

If the company in question offers you a banning notice, you can do as you please with your excuse. More than likely, if you've made it to the last point and bailed, it's more than likely that you were going to remove the item from them.

 

If you've left the store without the item and the security officer stops you, politely tell the officer that you simply did not want the item and have put it down. You do not wish to discuss it further.

At this point, you are free to go, whatever he says as without SCONE, the officer hasn't seen an indictable offence take place.

 

If you've left the store without paying for an item, security/colleagues should be polite and courteous. In the case of contract officers, this is worth their license to them. Once they've politely reqeusted you return to the store, they SHOULD inform you;

 

"I am employed by XXX to protect profits. I have seen you remove an item from this premises without permission and therefore I am detaining you under Section One of the Police and Criminal Evidence Act (PACE). You do not have to say anything, but it may harm your defence if you do not mention when questioned, something which you may later rely on in court. Anything you do say may be noted and used in evidence. Do you understand?"

 

The Security Officer will have to explain it if you do not understand. If you inform him you don't understand what he's just said, he should give it to you straight. If he says "Tough, you're coming with me" or similar, you've got a point of complaint.

 

If he does not read you a caution, it doesn't mean that the citizens arrest is null, it means that you can say to him what you please and it will be less credible. Bear in mind, a lack of a caution can work two ways. Security Officers generally have the final say in what course of action to take; If that means you can negotiate with the officer and store representitive, all the better. There's no harm, just as if your kid breaks a neighbours window with a football; Theres not often reason for police involvement. It's a civil matter until the police arrive.

 

If the word shoplifter/thief etc is used, remind them that YOU are innocent until proven guilty, just as YOU are entitled to leave at any time. Remember, civil matter. If they withold the right to use the toilet, drink water or be comfortably warm/dry/cool etc, they have removed your liberty as a citizen.

 

Now, the police can be called or negotiations can be made. If you're pleasant, inform them of ANY genuine reasons that you've stolen/removed items without payment and comply with their request to come quietly to the office, you'll get off on the right foot. Negotiations can be made. Hell, if you're in hardship with three kids and abusive husband (for example), I've offered bags to take the goods away (minus the £35.00 turkey the woman had hidden in her babies "Cosy toes" foot warmer - I'm not THAT nice!!).

 

If the police are called, remember, you've got the right to plead your case. There is discretion in it all. You can be remorseful and pleasant, or you can kick off. If you kick off and smack the person stopping you, you'll get CHARGED for two offences - For definate. There'll be no negotiations and you may be made more uncomfortable than somebody who is compliant.

 

The rest is elimentery.

 

Your rights;

 

There's the right to pursue a false arrest claim if the person making the stop detains you and wont release you even though you've no goods on board or SCONE has not been followed. Remember however, the police CAN stop you and search you AND most towns have CCTV and WILL track you. Remember, if you've not got the goods on board at point of exit, you are NOT committing an offence.

 

You have the right to remain silent. You have the right to make notes of what is happening and you have the right to leave - They can NOT lock you in a room or physically restrain you unless you are violent.

 

You have the right to water, toilet facilities and fresh air if available. Nobody can remove your liberty and not allow you the right to water and certain drinks if you suffer from diabetes etc - As long as you're paying, of course! :-D

 

You have the right to ask questions. However, these should be limited and always as "Alleged".

 

You have the right to give the goods back in a saleable condition and negotiate.

 

You have the right to dump goods at the last point of exit if a security officer/store detective is watching you.

 

NOBODY (aside from the law) has the right to search you, remove items from you or look in bags/coats/buggy's etc

 

Remember, unless the goods leave the doors, you are NOT a thief.

 

If you're stopped without having goods on board, the best thing you can do is comply. It's embarassing for the shop, it will ensure an investigation by the SIA (If relevant) and will enable you to complain and potentially reap the rewards for 10 minutes of your time. I've known people get £205 worth of shopping refunded AND £50 gift voucher because an officer stopped them without seeing SCONE. By complaining, you are ensuring that other people will not have to endure the same treatment. The store will complain to the relevant people, the officer will be disgraced and retrained as required.

 

But please, if you're really desperate, take a crisis loan from the job centre and pay for the goods rightfully. Borrow from friends and family or go without. There is nothing worse for us than catching somebody who clearly doesn't want to steal. We're there to stop the big gangs (Booze thiefs, Chewing Gum thiefs, Refund [problem]mers etc). We DO NOT want to be dealing with somebody who is trying to make ends meet.

 

We're not all bad people and as referred to above, are known to turn a blind eye in certain cases; It doesn't happen always and we can't all be the same.

 

End of the day, don't steal. It can end up wrecking your life. This isn't a guide to tell you how to do it, but to avoid becoming a criminal.

 

Yukiko.

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It's written from the Profit Protection's point of view. I am merely repeating my training and nothing else. As said, it is NOT to condone the act of theft. It's to help people that are mistreated etc.

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LOL @ profit protection. Please, stop making up fancy names for your job. You are a retail security guard. Nothing more.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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I'm not a retail security guard? I started off as one, but I'm a Supervisor for a completely different part of the business now. I occasionally go back to Retail if the needs of the business say so. Don't belittle my job - I am happy having one.

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Profit protections is just like calling a binman a "waste disposal expert". It doesnt matter what part of the company you are in, you are still the same. JUst now, you are a supervisor.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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"If the word shoplifter/thief etc is used, remind them that YOU are innocent until proven guilty, just as YOU are entitled to leave at any time. Remember, civil matter. If they withold the right to use the toilet, drink water or be comfortably warm/dry/cool etc, they have removed your liberty as a citizen. "

 

I was denied "the right to use the toilet" (as per my thread) but how can I complain about the removal of "my liberty as a citizen" when the security guard has lied?

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"If the word shoplifter/thief etc is used, remind them that YOU are innocent until proven guilty, just as YOU are entitled to leave at any time. Remember, civil matter. If they withold the right to use the toilet, drink water or be comfortably warm/dry/cool etc, they have removed your liberty as a citizen. "

 

I was denied "the right to use the toilet" (as per my thread) but how can I complain about the removal of "my liberty as a citizen" when the security guard has lied?

 

Firstly Thank you for this thread, I wont be doing anything silly every again but I wish I had read this before my mindless actions and subsequent ordeal. Like you Stargazer Lily I would be interested in knowing how one would go about complaining about the right of liberty as a citizen.

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For complaints against SIA licensed security officers (or whatever other titles we get given) complain to the SIA. If you don't have the officers name or license number you can obtain this. The officer (as a condition of license) must have his/her SIA badge displayed clearly at all times whilst performing operational duties.

It never rains but it pours...

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Even if he was a plain clothes guard, he would still need to show correct ID.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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@renegade...He would only need to show his SIA license or badge if asked for it.... It would kinda cock the whole covert operation up if he was made to wear his badge...

 

@stargazerlily, I believe a covert store detective would only be obliged to show you his license if requested, I'm not 100% sure though so hopefully a 'store d' will come along and answer that.

 

Are you comfortable enough to go back to the store (with somebody that can act as a witness if possible) and request the details of this guy? Or, put your complaint to the store manager simply quoting "your store detective who was working on blah blah at blah blah time", if you go down this route you could request his name and or license number to follow up with a complaint to the SIA

It never rains but it pours...

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RE: plain clothes store detectives (from the SIA website http://www.sia.homeoffice.gov.uk/Pages/licensing-conditions.aspx )

 

Covert Activity

* You do not have to wear your licence where it can be seen, if you can demonstrate that the nature of that conduct on that occasion requires that you should not be immediately identifiable as someone engaging in such conduct. On such occasions you must carry your licence on you and be able to produce it on request. This allows store detectives or close protection operatives to perform licensable activities without the need to be identifiable. This cannot apply to vehicle immobilisers.

It never rains but it pours...

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Actually if you are stopped by a plain clothes security guard, they MUST make themselves known and must identify themselves. Maybe not on the shop floor, but as soon as you get in the closed part of the store, they must identify themselves. I was a AGM of a large supermarket a while ago, and the guards did that.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Then what you must do is make a full and formal complaint and go from there.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Bombaymix, no I wouldn't go into the store, but would be able to request name etc in writing.

Renegadeimp, at an time did he identify himself to me. He DID say what you have done is shoplifting, so I was presumed guilty from the start.

 

As said above, SIA licenses don't have to be worn or displayed by "Store Detectives". However, if the "SD" is employed by the company they are working for (I.E, Tescos and Asda use their own in house), they don't need an SIA license, let alone carry one.

 

Saying "Shoplifter" is strictly against guidelines. The SD has no right other than to request that you hang about until further assistance arrives from people that are allowed to assume guilt.

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"If the word shoplifter/thief etc is used, remind them that YOU are innocent until proven guilty, just as YOU are entitled to leave at any time. Remember, civil matter. If they withold the right to use the toilet, drink water or be comfortably warm/dry/cool etc, they have removed your liberty as a citizen. "

 

I was denied "the right to use the toilet" (as per my thread) but how can I complain about the removal of "my liberty as a citizen" when the security guard has lied?

 

I can't comment as to who's a liar or what not... But if the store has toilets, there is absolutely no reason why you shouldn't use them. By going into their office, you weren't convicted, you weren't found guilty, therefore you are still a citizen with rights. I'd be writing a strong letter of complaint to head office (If applicable) and going down the lines of medical grounds.

 

I personally hate store detectives/profit protection/security staff thinking they can hold anyone for anything without question.

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Yukiko, I already wrote to head Office to complain and that is when the security guard lied and said I had been asked to wait 15 minutes until the Police arrived (how could he possibly know that, as someone commented) They upheld the decision to ban me from their stores.

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