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    • Ok thanks for that, well spotted and all duly noted. Yes they did eventually submit those docs to me after a second letter advising them I was contacting the ICO to make a formal complaint for failing to comply with an earlier SAR that they brushed off as an "administrative error" or something. When I sent the letter telling them I was in contact with the information commissioner to lodge the complaint, the original PCN etc quickly followed along with their excuse!
    • its not about the migrants .. Barrister Helena Kennedy warns that the Conservatives will use their victory over Rwanda to dismantle the law that protects our human rights here in the UK.   Angela Rayner made fun of Rishi Sunak’s height in a fiery exchange at Prime Minister’s Questions, which prompted Joe Murphy to ask: just how low will Labour go? .. well .. not as low as sunak 
    • From #38 where you wrote the following, all in the 3rd person so we don't know which party is you. When you sy it was your family home, was that before or after? " A FH split to create 2 Leasehold adjoining houses (terrace) FH remains under original ownership and 1 Leasehold house sold on 100y+ lease. . Freeholder resides in the other Leasehold house. The property was originally resided in as one house by Freeholder"
    • The property was our family home.  A fixed low rate btl/ development loan was given (last century!). It was derelict. Did it up/ was rented out for a while.  Then moved in/out over the years (mostly around school)  It was a mix of rental and family home. The ad-hoc rents covered the loan amply.  Nowadays  banks don't allow such a mix.  (I have written this before.) Problems started when the lease was extended and needed to re-mortgage to cover the expense.  Wanted another btl.  Got a tenant in situ. Was located elsewhere (work). A broker found a btl lender, they reneged.  Broker didn't find another btl loan.  The tenant was paying enough to cover the proposed annual btl mortgage in 4 months. The broker gave up trying to find another.  I ended up on a bridge and this disastrous path.  (I have raised previous issues about the broker) Not sure what you mean by 'split'.  The property was always leasehold with a separate freeholder  The freeholder eventually sold the fh to another entity by private agreement (the trust) but it's always been separate.  That's quite normal.  One can't merge titles - unless lease runs out/ is forfeited and new one is not created/ granted. The bridge lender had a special condition in loan offer - their own lawyer had to check title first.  Check that lease wasn't onerous and there was nothing that would affect good saleability.  The lawyer (that got sacked for dishonesty) signed off the loan on the basis the lease and title was good and clean.  The same law firm then tried to complain the lease clauses were onerous and the lease too short, even though the loan was to cover a 90y lease extension!! 
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Stole from m&s very worried


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I know I was wrong and I'd pay 10 thousand pounds in fine if I had to but the jail idea is destroying me.

What would happen to my child.

I'd lose my job.

No way to pay mortgage.

People would find out and I'd be hated by those who know me.

I know a lot of people will probably say "I won't do this again" and then when nothing happens they probably get right back to it. Not me.

We've sat down together and spoke about the whole situation.

About how it's shocked us and that it's not worth it going forward.

We've decided not to go to m&s anymore and to write down what we are going to buy and make a budget.

Buying our meat from the butchers and using aldi for our veg, bits and pieces.

My partner didn't like me doing it at all at first but then after getting away with it a few my partner became OK with it.

Its my fault I got my partner into it and I feel guilty for that.

I understand my partner is in the wrong just as I am, no one forced anyone into it. 

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please stop hitting quote

just type in the msg box.

there will be no prison

there will be no police.

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Honestly, this wake up call is probably what you needed.

The likelihood of police being involved is practically zero. They usually don't bother for reports after the fact (security would have had to have placed you under citizens arrest) and the amount you've stole is relatively so little it wouldn't be worth their time.

Use this as a learning experience, and build back better. You've got my full support!

You absolutely 100% need to talk to someone about this. Speak to someone on the phone ideally, as it sounds like in-person support didn't work. Talking matters was likely group therapy and you really need 1-to-1 support now.

If you put your postcode into this form, it will give you the number for your local mental health urgent support team.

WWW.NHS.UK

Find NHS urgent mental health helplines for people of all ages. Call for 24-hour support from a local service to help you with a mental health emergency.

You can also contact Samaritans on 116 123.

If you would prefer to vent using text over speaking to someone. You can text SHOUT to 85258 at any time and it will connect you to someone who will listen to YOU. Not a group.

All these services are anonymous, non-judgmental and COMPLETELY FREE.

Also consider Anxiety UK on 03444 775 774. This number is available Monday-Friday, 10:30-16:30.

You've been signposted to support, now is the time to use it!

  • Like 2

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Police involvement,  highly , highly unlikely? Prison? not in a million years, more likely a slap on the wrist

We could do with some help from you.

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You need to read ALL of those sentencing guidelines (rather than the ‘barebones’), so, including:

a) culpability

b) harm,

c) mitigation, and

d) totality.

 

I doubt the police would be involved, but I can’t be so certain as to say “it’d never happen”

Even if it did, I can’t see (under those guidelines, for the facts stated) that there would be a custodial sentence.

Edited by BazzaS
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I've been reading loads on different forums and articles on Google.

I've not seen any responses on forums to what had happened to them after being caught and contacted by the police.

But I've seen plenty of articles with people getting weeks and months in prison for stealing food/drinks anywhere from £150 to over 2 thousand. Many of them had been caught by security but there is a couple that says the cctv was sent to police and they tracked them down.

But they wouldn't need to track anyone down when they can easily look at the debit card used? 

I have no idea if anyone has seen before this occasion or if this is the first time. I was hoping they would be waiting for me next time to stop me. But the more I read about this stuff the more i think I'm screwed.

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1 hour ago, strangerdanger said:

I've not seen any responses on forums to what had happened to them after being caught and contacted by the police.

you weren't stopped at the time on the day, so the police would not be the first point of contact to you now. never seen nor heard of the police knocking on doors.

1 hour ago, strangerdanger said:

But I've seen plenty of articles with people getting weeks and months in prison for stealing food/drinks

mostly gang members AND the police were called when caught in store. 

1 hour ago, strangerdanger said:

there is a couple that says the cctv was sent to police and they tracked them down.

i very much doubt that unless it was for £100's or £1000's of in store theft. yours is not serious to them. and over many occasions. not worth the staff time to find them all and tot up your total 'theft' .

1 hour ago, strangerdanger said:

the more I read about this stuff the more i think I'm screwed.

nope.

they dont even know who you are and the store/security staff most certainly under LAWS cannot pass your details on to anyone other than the police.

if these RLP/DWF retail loss scammers latterly write i'd be seriously questioning their GDPR right to do this. never ever heard of it ever happening .

i used to work with in store/shopping centre security CCTV for +25yrs. never once did this happen to a joe public on theft that wasnt +£1000's worth.

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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most likely they will just be waiting for me to return? 

As I was walking up to the self check out there were two guys there one of them kept looking over at me and then when I was there he kept watching (stupid to continue I know).  Then he went straight to my till right after I left it, logged in and started checking.

This is the same guy I saw run out really fast to stop someone who tripped the alarm about 2 month ago (security tag on beef).

Which makes me think someone may have reported it the previous time. Or maybe not.

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violent and serious offenders are being let out early because of overcrowded, and underfunded prisons they are most certainly NOT locking up people for stealing a few hundred quids worth of crisps.  However take it as a warning sign not to continue, because you really don't want a criminal record. 

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We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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