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This is one of those grayish areas where civil law slams into criminal law. I'm not versed from the point of view of a store owner or a loss prevention officer, but I've worked literally scores of shoplifting incidents, and got to know the LP personnel around town quite well.A store owner or loss prevention associate can legally detain you when they have "probable cause" or "reasonable cause" to believe that you are in the process of stealing merchandise. This is similar to, but not completely equivalent with, the "probable cause" a peace officer needs to effect arrest, and is referred to by various terms, including "shopkeeper's privilege" and "merchant's detention." However, this threshold is pretty lofty (if you're doing it right, as opposed to seeing fabric poking out of a purse and initiating a foot pursuit [you think I jest]). An LPO essentially has to witness, or witness in tandem with a coordinating camera operator, the entire act as it progresses:Approaching the merchandise in question, selecting it, and concealing it. Failing this, a detainee can claim that he or she came into the store with the item, and that it's their right to conceal their own property from view.Moving through the store without discarding the concealed item. This is probably the toughest part of the job - one which I will never envy. It also separates good LPOs from idiots. The LPO has to shadow your movements around the store, making sure he or she maintains "unbroken and continual visual contact" (or something similarly worded in their corporate policy) as one progresses through the store with a concealed item. This can be accomplished jointly between a floor LPO and a camera operator, but every second has to be accounted for. Failing this, the stop will be inadvisable - if the suspect got spooked and ditched the merchandise while you didn't have eyes on, 'merchant's detention' turns into 'civil rights violation,' and you've just opened the door to civil litigation against the company.Willfully bypassing available points of purchase. A phrase I commonly read in LPO statements and used in my own reports was, "Intentionally walked past staffed and available cash register(s)." You legally aren't well-supported in stopping a suspect just for being near a storefront with concealed merchandise; they can claim any number of things - looking for a relative, contemplating the purchase, confusion about transaction protocol - that would explain being between a register and the door.Showing a willful intent to defraud by attempting to leave the premises. For department stores with two sets of entry doors (Wal-Mart, Target, etc.), passing the first set was usually enough to satisfy corporate policy. Only after this point, and only if everything above applies, will a stop be made. On your receipt question, if they don't have probable cause or duffed a step, they may try this as a backdoor to get a voluntary stop or admission of guilt. If they've got everything, this will be the beginning of the conversation leading to your detention.Agents of the business can indeed use physical force as part of a merchant's detention. This would technically include only restraint techniques (leverage, arm hooks/wraps, body weight) as opposed to aggressive acts (punching, kicking, use of tools/weapons). However, if a struggle ensues, a fight's a fight; and I'm not taking criminal enforcement action against a shopkeeper or LPO for protecting their property. I once worked a call where an LPO slammed a thief into the sidewalk and completely dislocated his shoulder - fair game if I'm calling the shots. I took the suspect to hospital, witnessed the most awesome shoulder reset ever, then took him to jail.Even given the right to defense of their property, corporate policies are all over the map here. Some are very strict (may attempt to block as security/police are called, but no physical contact); some are very lenient (I once had an LPO chase a suspect for three blocks before getting in a fistfight with him). I don't want to give anyone the impression that shoplifting is more doable, so here are a few take away points:A lot of these LPOs are sharp. I won't break it down by store, but you might be surprised. Some LP offices look like the Architect's room in The Matrix: Reloaded, with all the monitors they have. And you'll never know a good LPO is onto you until they're grabbing your wrist, I guarantee.If you ever have a mammoth lapse of judgment and shoplift, whatever you do, don't resist or fight. In larger stores, you'll soon be fighting a half dozen people; and in any case, my response gets upgraded to lights and siren response and I am a very unhappy camper when I get there. If you're cooperative, depending on certain factors, you'll likely get a citation for court, and a notice from the company regarding civil recoupment (you get charged for product loss and LPO time via a bill in the mail), then you'll be released. Any struggle is going to result in a trip to jail 99.9 (continuing) percent of the time. Also, resisting a merchant's detention will likely turn a simple stealing into a felony robbery (defined by my statute as forcibly taking property).For larger stores, you may get what is called a trespass notice. This bars you from company property. These notices are pervasive - if you get caught shoplifting at a Wal-Mart, and get this notice served, you can't set foot in a Wal-Mart, Sam's Club, or Hypermart - anywhere in the world. Forever. Doing so - even twenty years from now - constitutes trespassing, and you will go to jail for it.Don't shoplift while I'm already on scene investigating another shoplifting, and especially if you're a convicted felon carrying a knife. A story for another time. :)

Square acts as a payment facilitator (master merchant) and clears transactions through Chase Paymentech.Stripe acts as an ISO of Wells Fargo Merchant Services (First Data).Braintree offers merchant services as an ISO for First Data, Chase Paymentech, or Moneris (via Equity Commerce). (Their website footer says they are a registered ISO for Wells Fargo, which means most of their accounts are probably being processed by First Data.) As a gateway, they are integrated with TSYS (Vital platform), First Data (Cardnet/Nashville North or Cardnet/Omaha South), Chase Paymentech (Salem platform), and Merchant e-Solutions.

Frankly no. Rather like these ambulance chasing solicitors it is something you can indeed do for yourself.All you need to do is ask for a copy of the Credit Report and then inform the reporting agencies of the inaccuracies and that you intend to report the persons lodging them for the records to be corrected.Send a copy of that letter together with the list of Creditor(s) who have made the entries but not reversed them and inform them that you expect the entries reversed and cancelled in the space of 14 days. Send the letter(s) by recorded mail (or your equivalent of secure, signed for mail) to all parites including the Credit Reference Agency.Inform the Agency that the information they hold is flawed and to contact the person who have registered the default to confirm the error and request that the data be amended. As for a copy of the record showing the amendment and keep it on file.You shouldn’t need to pay anyone to do this for you as it is easy enough to do yourself and that includes County Court Judgements which have been either settled or incorrectly entered in the first place. Just ask for a copy of the register(s).Good luck.Chris R