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    • So ready to post this defence. Having looked at what you wrote for the other thread:   ----------------------------------- 1 The Claimant's claim was issued on (insert date).  2 The Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980.  . If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant. .  3 The Claimant's claim to be entitled to payment of £[ total amount?]  or any other sum, or relief of any kind is denied. ------------------------------------- Is this correct and thats all?   can i attach this printed off to the claim form or must i write on the form itself?   Do i just send the defence page or the first page titled 'claim form' also?   Im going to post to the court address shown on the first page as i cannot see another address
    • There have been significant developments today, and unfortunately, they are not good.   Firstly, myself and other people that have looked at and contributed to this thread would have assumed that Lowell would have discontinued, after taking it right to the wire, however, this appears not to be the case.  It looks like they are going for it big style.   Secondly, I was reading the threads last night, a credit agreement exactly the same as mine was taken to Court and a Judge said it was enforceable and the defendant lost the case.  That knocked the stuffing out of me quite a lot.   Thirdly, and most seriously, I was having a word with my line manager at work (who is also a good friend) this afternoon.  He told me (off the record) that I was putting my job at risk if I lose the case.  Apparently, anyone who gains a CCJ is duty bound to declare it and disciplinary proceedings will follow.  I do not work in the financial sector where I know this is commonplace, but I work with confidential and sensitive information and was told that my employer will think that I am vulnerable to bribery and corruption.  Apparently they will take defaults into account, (I did have a couple of defaults when I first started), but a CCJ is a big no no.  I did not know this as I would not have let things get anywhere near this far.  I was told to get this sorted ASAP.  My stress and anxiety levels are now through the roof.   How I wished now I had just arranged that damn Tomlin Order with them a couple of weeks ago.  If I knew then, what I know now, it would have been a "no brainer".  I do not want to gamble with my job. Where I live, jobs are very hard to find.  I could end up jobless and homeless for just one "appointment" with the Judge.  I simply cannot take the risk.   So where do I go from here?  Is it too late to go for the Tomlin Order as the hearing is on Friday.  It would solve all of my problems at the moment and help me keep my job and my home.    I have no savings, no property and my reasonable expenditure is just about my income, so they could not get much out me.  Perhaps £10 a month is the maximum I could afford.  I feel now I have burnt my boats and I am at their mercy.  I absolutely hate them with a passion.  But I also hate myself, as I should have researched fully the consequences of my job.   Is there any way I can sort this mess out before it's too late?  Any ideas would be most welcome.  
    • Did you sign a personal guarantee? Have you a copy of the ccj? is it in your name or the ltd company name?   https://cse.google.com/cse?cx=partner-pub-8889411648654839:3134625398&q=Limited company ccj&oq=Limited company ccj&gs_l=partner-generic.12...23159.34137.0.36634.19.19.0.0.0.0.308.4270.0j3j15j1.19.0.gsnos%2Cn%3D13...0.10977j7667391j19...1j4.34.partner-generic..19.0.0.OY00NBTWR3U
    • Thanks dx100uk  ....  Thought not, but just checked to be sure and no neither one used ...  A parking/penalty slip, and in just the above post only.
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I’m so embarrassed and ashamed of myself. A few days ago I added a clearance label to an item to get a discount, paid for the item and left. Nothing happened in store, cashier didn’t even bat an eyelid. I’m now terrified of any recourse if they find out. Can I get caught and prosecuted after the event? I have visions of police turning up at my door, or my face appearing in the local paper. 

 

Please help, I can’t stop googling like mad 😔 this is so out of character for me, I don’t even know why I did it! 

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Firstly, on the basis of what you say – nothing will happen because no one knows about it.

However, it's very nice of you to feel so embarrassed and ashamed – and it means that it really is out of character, as you say.

Why don't you simply return the item – maybe with an anonymous note of apology. Learn your lesson and try to understand why you did it and avoid doing it again.

 

I think that understanding why you did is probably a very important step


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I’m too scared to return to the store now in case something happens or I get recognised!

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I agree with Bankfodder that it's important you understand why you did this so that you don't end up in the same situation again. In your situation I would consider talking it over with your GP in case there is some underlying cause. Your GP has probably heard it all before and won't judge you.

 

HB


Illegitimi non carborundum

 

 

 

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Thank you, I will of course look into this. It’s not something I have ever done before (I know everyone says this!). It was a perfect gift for someone but I didn’t have the cash for it so this seemed like an option at the time - of course now I realise no one needs a gift that badly! A moment of idiotic stupidity. 

 

 

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Trying to return it may cause more problems than it cures so my suggestion is that you take it to a charity shop so some good comes of the episode.

People do strange things when stressed and believe me doctors know all about stress firsthand.

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