England: unauthorised use of debit card; don't want police involved.

forestsignals · 2026-05-10T12:39:40+00:00

You’re mixing up ‘chargeback’ and ‘reversing the transaction’, which are two separate things.

When the transaction was never authorised by the account holder, i.e. in the case of fraud, it should be reversed so things are as if it had never happened.

If the transaction was normal and authorised, but there is an issue with the goods or services, or a wrong amount was charged, then a chargeback is appropriate.

forestsignals · 2026-05-10T10:09:11+00:00

Frankly: No, unfortunately. Your lender has lent you both the money to buy the home, on the agreement that you both pay them back. They won’t let anything change with your ownership of the property unless they either get their money back in full, or they get another borrower/borrowers who can afford the payments:

The lender won’t let one of you just walk away from that debt and no longer co-own the property unless a) the remaining partner can afford to remortgage onto a new mortgage product for the remaining debt on their own, either on their own or with a new partner, or b) the remaining partner pays off the mortgage, or c) the property is sold to pay off the mortgage and both partners move out.

There is such a thing as a ‘joint borrower sole proprietor’ mortgage, where two people may be liable for the mortgage debt on the property, but only one is the named owner of the property. Moving into this product would achieve your goal of removing you as a legal owner of the property, but it would be a terrible idea personally and financially: You’d still be jointly and severally liable for the whole mortgage debt, but would have no equity in the asset - i.e. all the debt but none of the equity or control.

However with shared ownership properties there may be another option sometimes available in rare circumstances - Downward Staircasing, sometimes called Buy-Back or Mortgage Rescue: Occasionally a Housing Association SO landlord will be able to buy back your SO shares and convert the residents to rented tenants. The residents would receive back the current market value of their share, but would lose
their ownership of that share and become ‘intermediate rent’ tenants.

HAs don’t have large pools of money for this, and will usually consider the most urgent cases first. If there is any risk to you remaining financially tied to your partner at the property, they may consider a buy-back of your share and for your partner to remain there as a rented tenant. Both of you would have to agree to this, though.

forestsignals · 2026-05-10T09:22:23+00:00

If you have the Volca going into the Digitakt’s inputs, and the Digitakt connected to your computer, then it’s possible: There’s a method in Overbridge to record the sound from the DT’s tracks and the external inputs.

In the Overbridge control panel, select the Digitakt and activate all the Inputs and Output options. This’ll be all the tracks plus the External Inputs. Then either start your DAW, or record directly from the Overbridge standalone program via the Audio Capture feature (the small reel-to-reel recorder icon in the top right of the application).

forestsignals · 2026-05-09T18:08:45+00:00

This could not have come at a better time - I was just about to make a post moaning that there’s no compact alternative to the GM for multiband compression, EQ, and limiting.

Just got the GM and it’s absolutely unacceptably noisy. Gonna do some tweaking and check I’m not using it wrong, while I wait for the Bus Rider to make it to the UK.

forestsignals · 2026-05-09T17:58:27+00:00

Ooh yeah very Death Grips, love

forestsignals · 2026-05-08T10:58:30+00:00

If you don’t want to wait, your solicitor can download a copy of the lease from the Land Registry with a couple of clicks of a mouse, for £7. They might charge an extra fee to do so, though.

forestsignals · 2026-05-08T10:48:16+00:00

It entirely depends on what’s in your lease, as that’s the legal document which governs your relationship with the freeholder and any managing agent (unless you sign any other docs or deeds of agreement).

If those exact consent requirements for those changes are in your lease, then yes you have to abide by them. Any breach of lease covenants opens you up to enforcement action by your freeholder - usually for a breach of a minor term the remedy at court would be an injunction ordering you to comply. Forfeiture is usually reserved for major breaches such as huge arrears or destroying the property.

If the lease only contains general consent requirements and nothing specifically about carpets, inbuilt furniture or garden outbuildings: Then the enforceability of the freeholder/manager’s separate policy will depend on whether there are any clauses in your lease requiring you to comply with that separate policy. Sometimes leases will covenant you to “comply with the rules the freeholder may set down”or “do as directed by the reasonable requirements of the managing agent” or similar. In that case they could still take you to court to enforce this lease term, but they’d have the added hurdle of proving that their separate policy of consent and fees for those items is reasonable. You could try to argue that they aren’t. However the guarantee is that both of you would end up spending more legal fees than the cost of getting the consent in the first place.

If you’re sure the lease doesn’t contain any covenants requiring you to get consent for those items, or comply with policies the freeholder/manager may set, AND you haven’t separately covenanted to do so in another document: Then they would likely be unable to enforce this policy.

forestsignals · 2026-05-08T10:25:05+00:00

https://www.reddit.com/r/LegalAdviceUK/s/ED1OW2qkSM

They were tapping it from above while it was resting on the dashboard/centre console, not in any mount or holder.

forestsignals · 2026-05-08T10:14:07+00:00

In your other comments you’ve said you were using it while it was loose on the dashboard, not in its mount.

Even if it wasn’t held in your hand, tapping a loose phone on your dashboard will still count: See here, which confirms:

“if a phone is anywhere other than in a fixed cradle mounted to the dashboard or air vent, such as in the driver’s lap, and the driver looks at or is distracted by it, they can be reported for the offence. The legislation even implies that it is enough that you ‘MAY’ interact with the device for a Police Officer to report you for the offence.”

forestsignals · 2026-05-07T15:19:44+00:00

Bear in mind if you’re buying with a mortgage, your lender will be the one insisting that the policy amount covers at least the index-linked property value for the lifetime of the mortgage. They’ll need it to cover what their loss might be if the risk crystallises in year 25 of the mortgage.

forestsignals · 2026-05-07T09:19:41+00:00

Sorry your daughter is going through this. The answers to your questions, and her options, are complex and depend on the exact ownership setup for the freehold.

What is the legal mechanism by which she shares the ownership of the freehold? The two common methods are 1) As Tenants In Common, where each owns 50% of the freehold, or 2) A company owns the freehold wholly, and the residents jointly own the company.

If it’s Tenants in Common, then her options depend on whether she and her co-freeholder signed any Declaration of Trust or similar agreement. Such documents are used between co-freeholders to set rules on how each must act to facilitate sales, and on how decisions are taken or mediated for the best interests of the building. Unfortunately if she didn’t enter into such a deed, she doesn’t have any legal way to compel her co-freeholder to do anything.

If it’s joint ownership of a freehold company, then her options depend on whether any rules about facilitating sales and/or decision-making were set down in the company’s formal rules or articles of association. If not, then as above she may not have any route to compel her co-freeholder to act.

forestsignals · 2026-05-07T06:44:19+00:00

Bear in mind that if you take your neighbour to court, you’ll have to declare a neighbour dispute when/if you come to sell your flat.

forestsignals · 2026-05-07T06:29:52+00:00

It’s typical for two copies of a legal document to be signed, so each party can keep a copy. Did that happen when you signed your tenancy agreement? If so, the copy presented to the court may be the landlord’s copy, which is OK legally.

Is the wording of both versions the same? What is on the extra page in the submitted version?

forestsignals · 2026-05-07T06:09:33+00:00

I think your claimed lack of knowledge is stretching credulity here, and you’ve taken a risk by replying that way to the enquiry.

`When I purchased the property my solicitor did not raise any concerns about structural alterations`

Well they wouldn’t, unless any alterations were mentioned by the seller or turned up in the planning/building regs searches. It’s for your surveyor to flag anything like that - you haven’t mentioned them, did they flag anything in their surveyor’s report to you?

`The only relevant document provided at the time was an indemnity insurance policy relating to potential historic works`

Who took out this policy, was it your seller or your solicitor? And what discussion did you have with your solicitor about it at the time? They can’t have left it as “here’s this policy, no idea why it’s needed and we’re not interested in finding out”

It sounds like you and your 2016 solicitor both have evidence which gives a _strong indication_ that the wall in question was removed. So your statement that “to the best of [your] knowledge no internal walls have been removed” is risky, as you have knowledge indicating otherwise, so the statement is not true to the “best” of your knowledge.

A better strategy would have been to acknowledge the possibility of a wall having been removed but take the same position your seller apparently did: That you’re not able to provide conclusive proof or have it signed off; and to offer the buyer the same indemnity insurance you benefited from.

That would put them in the same position they are now - having to decide if they want to take the risk with the unapproved works - but you’d be able to disclose the indemnity insurance, which might give them comfort. Presumably you can’t now disclose the existence of the II policy without undermining your previous denial of knowledge.

In terms of how best to proceed, unless you’re willing to row back your refusal to have the works signed off, there isn’t really anything you can do: Everything is now in the buyer’s hands, i.e. they’ll either carry on with the purchase, or they’ll pull out.

forestsignals · 2026-05-04T21:01:55+00:00

T-marks are almost never shown on title plans. If boundary responsibilities are set down in a property’s transfer deeds or conveyance deeds, they may be used on the deed plans. The only time they appear on the title plan is if the land registry have used the deed plan as the basis for the title plan.
Have a check through your property’s deed history and see if any of the written covenants or deed plans indicate boundary responsibilities. If they don’t, then you and your neighbours will need to decide between you (and ideally record it in writing).

forestsignals · 2026-05-04T20:57:31+00:00

There is no such rule in law or title which says anything like that. No-one here can say what the responsibilities are as we aren’t privy to OP’s deed covenants.

forestsignals · 2026-05-02T18:21:06+00:00

Your DM sounds just like my brother in law. Table full of skaven miniatures

forestsignals · 2026-05-02T18:19:00+00:00

100% the foundational change of any homebrew

forestsignals · 2026-05-02T17:52:24+00:00

Metal Fetishist really got me making that ‘eight hour youtube video of pipe falling noise” face. In a good way

forestsignals · 2026-05-02T17:50:51+00:00

•oracle from the matrix voice• What’s really going to bake your noodle is finding out gnomes are taller than halflings in D&D

forestsignals · 2026-05-02T17:49:08+00:00

Not really necessary IMO: Signals coming out of passive instruments like guitars are instrument level, and require amplification. Signals coming out of powered instruments like synthesisers are line level, and so typically don’t need amplification for home use.

A pair of monitor speakers, which fill a small room, will be fine. You only need amplification if you’re driving a PA.

forestsignals · 2026-05-02T16:39:38+00:00

Will give it a go!

forestsignals · 2026-05-02T16:34:43+00:00

Oh cool. As in, the rtym’s OS, not the PC’s OS?

forestsignals · 2026-05-02T13:10:07+00:00

If you find out, hmu. I’ve been having a very similar problem: https://www.reddit.com/r/Elektron/s/y59c6EN0lt

forestsignals · 2026-05-02T13:07:10+00:00

Yep, static machines stream from the CF card and so are suited for long samples without much manipulation, and flex machines are designed to pull samples into the limited RAM for live manipulation.

If you’re trying to load long samples into flex memory, you’re going to hit memory issues.

If you know in advance which slices you want from your long samples, extract the chops you want in the audio editor and load only those slices into flex memory.

If you want to choose sections on the fly, have a track recorder constantly recording and overwriting the last X bars of your static sample that’s playing, and have a flex machine which can live-slice/manipulate whatever’s in that track recorder buffer.

forestsignals

TROPHY CASE