This happened to me one time at a very inconvenient moment: in the stout mines you have to put a writ in a depository to enter and leave. So I was quite loaded with treasure, leaving the mines, put the writ in the box, and then the game tried to return the writ to the FIRST character, not the selected one. This character had no room for it, so it dropped to the ground, and then immediately the game started loading the outside world. So the scroll which I needed to enter was left inside. (So I had to reload etc.)
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