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    • You can be sure that pardoning himself, stopping the other prosecutions and vengeance will be his first priorities if he wins. i dont think he will win, but no surety on that
    • The other cases aren't going to happen before November though, are they? Reporters are saying he can't pardon himself for a state conviction. He would have to lean on the governor of New York state, as I understand it.
    • I am requesting your assistance to how I should go about a serious breach of my privacy that occurred during my stay at one of IHG’s hotel on Ma 2023. Having previously had items taken from my hotel room elsewhere I take the added precaution of using a security camera app on my device whenever I stay in a hotel room. The recordings are date and time stamped and it cannot be adjusted by the end user.   On this particular occasion I discovered evidence from my personal security camera recordings of a spy camera had been placed underneath my door, and can be seen moving along the base of the door for approximately 15 seconds.   The spy camera is in fact marketed as an inspection device of drains primarily but is known to be used in observing spaces difficult to enter. It is a usb endoscopic camera that has a length flexible cable that is semi rigid and can negotiate any obstruction by bending. The operator can be up to 3-4 metres away.   Infuriated as I had previously stayed with them in 2022 for 3 months at £260 per night that they would seek to question my honesty and invade my privacy. I immediately called reception and asked why they would do such a thing and if they had any concerns they were welcome to inspect my room and go through my personal belongings and ask me anything they wanted to. I was sleeping for the best part of my stay and was alone throughout.   I sent the recordings to the receptionist within the hour of finding them and I asked to speak to the manager of the hotel who I was told wasn’t present. I tried to have face to face meetings with him but he instead wrote to me denying the recordings were made at their hotel stating that they didn’t observe anyone in the corridor at the time of the recordings and that they don’t have a metal bar at the interface of the tile and carpet which corresponds to the overlying door. I rejected that statement on the grounds the video doesn’t show a bar but a reflection of light on the tile and you wouldn’t see a person outside my door because the cable is black and runs along the floor. If you don’t look for this you won’t see it. The matter was passed up to the area manager and he also denied the allegation. This is where the matter ends as far as IHG are concerned. Leading a busy work and family life I let the matter go but I found myself back at the same hotel a year later. I booked for  2 nights and was given a room facing the lobby door that led to the lifts. Unfortunately, from the hours of 3am I was woken up by the noise of the door opening and closing but also noticed shadows of a person standing in front of my door. At first I took no notice and put this down to a guest waiting for someone but the person or persons returned several times, standing outside my door for up to several minutes. I called the hotel reception and asked if there was an issue  on my floor and they said they would come up to check. They never said they would check the CCTV and as the incidents continued to happen up to 8am I called them 6 times. Given my past experience I didn’t think they took security as serious a# her establishments and made them observe the Cctv and let me know. The explanation I was given was that they could see residents there but they were heading down to breakfast. The time that I had noticed these feet by door was from 3am and breakfast started at 6.30am. It also didn’t explain why they would stand by my door for anything longer than 10seconds and if they were waiting for someone how likely is it that this scenario is played out 6 times when there was only 12 rooms per floor. Later that morning when I went down for breakfast the manager said he would move me to a room at the end of the corridor and asked me what my plans were for the day, essentially when would I be in the hotel. I stated that for the day I was out. He then said that all his staff were uncomfortable about me being a guest and said that I was not welcome there anymore. I had paid for the two nights but when it came to the end of the day I didn’t feel that I would be able to rest at the hotel given the hostility so I returned the next day to collect my remaining belongings, namely items of clothing, an iPhone charging cable and plug, and toiletries. Checkout was at 2pm and I was at the hotel at 3pm. All my belongings were gone and they couldn’t locate the items.  I plan to report the incident of the spy camera to the police, as well as the theft, and write to the hotel emphasising that this breach of privacy is unacceptable and the hotel's failure to properly investigate and address the issue is deeply concerning. The fact that I requested security checks to ensure my safety in the early hours was reasonable, yet their response to ban from the premises was excessive and even possibly discriminatory as I had revealed to them that I had been a victim of a hate crime given my sexuality. . I am seeking compensation for the infringement of my privacy, the lack of proper investigation, and the being humiliated and made to feel like an undesirable. I will request a full refund of my two-night stay totaling £390. Additionally, I will request compensation for the cost of my previous stay when the infringement occurred, which was £220. I am also considering damages for the infringement of my privacy but at a loss as to what this would equate to. I will close the letter giving them a 14 day timeframe to respond.    Is there anything you feel i need to consider here? Many thanks   
    • oF course, this is all just the start. trump is dragging it out as much as possible hoping to pardon himself, but the barrier the yanks had about admitting that a pres could be such a piece of err work has been broken and there is many more to come. His current criminal charges are extremely unlikely to result in jail time or anything other than fines  - but with some of the other charges - jail is pretty much mandatory - especially for one not only not on a first offense - but with others stacked up
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2 Defaults for the same debt?


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Hi there everyone,

 

I have recently started trying to repair my credit file and wrote to all the lenders who defaulted me asking them to give me a full and final settlement fee. I received a response from Barclaycard to day to say they sold off my debt which they defaulted at £1198 to Lowell Portfolio for £745 in 2010 and told me to contact them to settle this. I also noticed a default of £745 by Lowell Portfolio and wrote to them at the same time. Putting 2 and 2 together I gather that these dafualts are for the same debt. Please can anyone advise me of the legitimacy of this? Also what can I do to about them as I am willing to settle with an offer? If I do this with Lowell will they both show the debt as settled? Please help!

 

Many thanks

Izzy

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High welcome to CAG.

 

Does the Barclay Card entry show a settled and is the default date the same on the Lowell one.

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OK, send this by recorded delivery to The Data Controller at Lowell (don't use the box number address).

 

Formal Complaint, Breach of DPA 1998.

 

Ref: Credit Reference File.

 

Sir,

 

I do not acknowledge any debt to Lowell or any company you claim to represent.

 

I have recently checked my credit reference files held by xxxxxx credit reference agency (copy attached), Lowell have place an entry in regard to a Barclaycard Account alleged debt £745.00. Default date November 2011, as I am sure you are aware Lowell are not at liberty to change the original default date registered by an original creditor, the placing of such falsified information will be viewed very seriously by the Information Commissioners Office.

 

I am aware that some debt collection agencies have attempted to claim that they can replace a default date with the date the aquire or are assigned a debt again I am sure you are aware of this.

 

I now require Lowell to remove the incorrect data from ALL credit reference files immediately and to confirm compliance in writting.

  • Confused 1

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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No changing the default date is a serious matter, might even get you a lower figure.

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One more question, if I settle with Lowell, will they both show as settled?

 

 

One of these entries Must be removed so the remaing one should be marked settled or partially settled.

Did your offer state that any remaining balance should not be sold on.

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No, I haven't yet made an offer. I just wrote to both asking what a settlement they would accept, Barclaycard wrote and said I need to deal with Lowell so now I guess I need to pay off Lowell, but if I pay Lowell, will Barclaycard also remove their default?

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Ok let's get this straight for you!

Paying this debt in full or as a full & final settlement is not a guarantee for getting the default entry removed, as a creditor/DCA has to report an accurate and up to date reflection of the conduct of the account eg.

1.The whole balance is paid off == the entry is marked satisfied.

2. A full and final settlement for an amount less than the full balance is agreed then the entry is marked partially settled.

 

A F&F offer has to be carefully worded other wise any remaining balance can come back to bite later on.

 

If you want to make this offer I can draft a letter for you.

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Letter to the Compliance Manager

at Lowell send this by recorded delivery check when they receive it.

 

Ref: use theirs.

 

 

FULL AND FINAL SETTLEMENT OFFER (Conditional). Re: Debt For £xxx .xxx

 

Date xx xx xxxx

 

Dear sir,

 

I am prepared to make a full and final settlement in regard to this alleged debt this is made without admission of any liability as a gesture of good will and is made on the understanding that Lowell confirm the following conditios are met in full.

 

1. The offer is for £ xxxx .xx in full and final settlement.

2. The remaining balance will NOT be sold or assigned to any third party.

3. All references to this alleged debt are removed from ALL credit reference agency files on acceptance of this offer.

 

For clarification I do not acknowledge any liability for the alleged debt, this offer is open for 10 working days from the date of this letter, Lowell MUST send written agreement within that time scale, on receipt of Lowells agreement payment will be made within 7 days.

 

Isobella, I suggest that you start your offer at no more than 10% of the outstanding balance to start the process, this gives you room to negotiate, which no doubt will be necessary.

 

Brig.

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  • 3 weeks later...

Looking in as requested. OK send this with copies of the file entries to:

 

The Data Controller

Barclays

 

Re: use theirs.

 

Complaint duplicate credit file entries.

 

Sir,

 

I refer to the entry made by Barclays on my credit files reagrding the dbt for £xxxx.xx which has been sold to the Lowell Group, my credit file now shows entries for Barclays and Lowell and have differing amounts showing which is obviously incorrect as the account is now owned by Lowell I require you to remove the banks entry forthwith as it now appears that I have two defaulted accounts on my credit records.

 

I have enclosed cpoies of the file entries for clarification.

 

Please confirm in wriiting within 7 working days that this entry has been removed from ALL credit reference agency files.

 

Send recorded delivery.

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I am having similar problem. Barclays sold debt to Lowell who have changed the default date to more recent. The debt was over 5 yrs old when this was done. FSA are useless!!! They say Barclays did not default debt as we entered into payment arrangement - we went into a DMP for all our debt, minimal payments. I have had a lot of back & forth with FSA. I have pointed out regardless of no 'Default' the date of default is from when we FIRST missed payments - Cause of Action etc. They are siding with Barclays/Lowell. Hubby has mental health problems and it is against lending code to sell debt when this is known - they were advised repeatedly! I have no faith in FSA anymore. Debt will never get paid. So tough luck Lowell!!!

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IF the default was place more than 6 months after the cause of action it can be challenged, this comes under control of the ICO, not the FSA, so if the default has been entered after a much longer period of time say 2-3 years it should be reported to the ICO.

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