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    • 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
    • Indeed, it’s all up to date at the moment and no missed payments and no issues from a credit file perspective everything is up to date in that sense 
    • follow it thru, plenty of time to poss arrange a tomlin or consent later on. ............   pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’. Choose ‘Create sign in details’ to register for the first time. You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID. You should make a note of your memorable word, or password as these are not included in the email.  then log in to the bulk court Website https://www.consumeractiongroup.co.uk/topic/466952-lowelloverdales-claimform-old-cap1-debt/?do=findComment&comment=5260464 .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .. get a CCA Request running to the claimant . https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . .use our other CPR letter if the claim is for an OD or Telecom Debt or Util debt]  https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ on BOTH type your name ONLY Do Not sign anything .do not ever use or give an email . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] .............. dx
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      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Natwest Keep racking up the interest - PART II


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Hi Vex

 

I concur with paulwlton no cca no debt so where is this going?

 

Regards

Andy:D

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yeah it would be the case if they do not have a copy of the original agreement, but its always helpful to have covered all bases, if the APR is misstated or if the TCC is wrong etc it adds to the strength of your case.especially if they miraculously find the signed agreement

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Hi All

 

I'm not too perturbed about my position in respect of NW, however I do have the time this evening (i've been away with the company for a few nights) and think that its best to have all bases covered. To that end i'll PM PT with a copy of the account papers. I'll scan later and send across. Andy, i'll copy you too - you've stuck with this thread from the outset, and it would be rude and silly to exclude your views.

 

As always, sincerest of Thanks, Vex

If my advice or input has helped, by all means tip my scales

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well that's a lot of data NOT:D

 

so theres no copy of the credit agreement? did you specifically ask for it? if you did then they are introuble and id like to hear them try and explain htis one

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Hi vex thank you for your PM

 

As stated earlier in the thread no signed CCA = none enforcable debt you have a reconstructed agreement so all the info and statements in the world is not going to alter that fact.However this does not stop the possability of it resurfacing at a later date.Until such time you are in a very strong position to negotiate a very favourable conclusion to this matter that is suitable to yourself.

Failure to achieve the above with them will be followed by litigation knowing how they work which in this instance would prove to be fruitless so you are calling the shots at the moment.

 

I trust the above is of help

 

Regards

Andy;)

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Hi vex thank you for your PM

 

As stated earlier in the thread no signed CCA = none enforcable debt you have a reconstructed agreement so all the info and statements in the world is not going to alter that fact.However this does not stop the possability of it resurfacing at a later date.Until such time you are in a very strong position to negotiate a very favourable conclusion to this matter that is suitable to yourself.

Failure to achieve the above with them will be followed by litigation knowing how they work which in this instance would prove to be fruitless so you are calling the shots at the moment.

 

I trust the above is of help

 

Regards

Andy;)

 

Andy

 

In specific reference to your comment "Until such time you are in a very strong position to negotiate a very favourable conclusion to this matter that is suitable to yourself" are you implying that I could seek a negotiated settlement with them? If that is what you are implying, and given that i can see a distinct experience of dealing with Natwest in the way you have provided valued advice here, how would you suggest instigating that ?

 

Best Regards, Vex

If my advice or input has helped, by all means tip my scales

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Hi Vex

 

With regards to your last post i would refer you back to the letter from messers green and co sols they gave you an opportunity to negotiate payment terms but if you check closely they didnt give you a " by date" which should be included to follow preaction protocol. Now this could be construde in different ways my view is they know they cant instigate litigation and was a poor attempt to frighten you.In this instance they failed and if they were not bluffing your summons would have arrived by now.

So back to your dilemma settle from a moral stance say 10% F/F/S?

Sit and wait for the summons?

Sit tight and see what transpires ?

 

CAG does not advocate debt avoidance but in this instance you have been very co-opertive in attempts to come to some conclusion in this matter to which has failed up to now.Like I have stated previously you are calling the shots in this matter and you must make the best decision for you and yours.

 

I trust the above helps in your decision.

 

Regards

Andy;)

We could do with some help from you.

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Okee doke

 

Just need to check to see what the legal terminology is for basically saying "i'm offering your client 10% of the alleged debt in full and final settlement, but do not acknowledge any debt". How do I do that?

 

Thx, Vex

If my advice or input has helped, by all means tip my scales

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Hi Vex

There you go

 

http://www.consumeractiongroup.c o....templates.html

 

 

Letter J - Full and final settlement for any debt

 

 

Regards

Andy:)

We could do with some help from you.

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Hi Vex

There you go

 

http://www.consumeractiongroup.c o....templates.html

 

 

Letter J - Full and final settlement for any debt

 

 

Regards

Andy:)

 

Hi Andy

 

This is going to sound really ungrateful, (it isn't meant to) however the wording on that template reads as though the sender is on the backfoot and admits to the existence of the debt. You should not (and i don't expect you to :) ) take this personally, but i'm really not ready to exercise deference in any way to these morons.

 

Does anyone have any more ideas?

 

Many Thanks, Vex

If my advice or input has helped, by all means tip my scales

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I would forward a letter asking for a copy which bears your signature, and explain that until you have been supplied with proof that a contract was entered into, you will not be making any further payments.

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Well is there a letter that you can send that is showing that you are holding all the cards and you can take what i am offering or get nothing

The advice you have been given is great i have read the full thread an i find it very interesting the fencing that goes on between folks on this site and the banks

We are facing a recession in the near future so i recommend this site to my friends the banks have had a good run calling all the shots it is good to fight back

All the best

M

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Well is there a letter that you can send that is showing that you are holding all the cards and you can take what i am offering or get nothing

The advice you have been given is great i have read the full thread an i find it very interesting the fencing that goes on between folks on this site and the banks

We are facing a recession in the near future so i recommend this site to my friends the banks have had a good run calling all the shots it is good to fight back

All the best

M

 

wrong thread

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Okee doke

 

Just need to check to see what the legal terminology is for basically saying "i'm offering your client 10% of the alleged debt in full and final settlement, but do not acknowledge any debt". How do I do that?

 

 

 

 

Hi Vex

Apologies for the delay in responding, the statement you made above is a tad confusing hence why would you wish to make payment on a debt that you dont acknowledge.I gave you the three options to which you can proceed in this matter in my previous post.I presumed that your choice was to go the F/F/S route to which i am at a loss to how you can do this without acknowledging said debt? Otherwise the alternative is Pauls post.

Ps I dont take your questioning personally, this is what Cag is all about:wink:

 

 

Regards

Andy :-)

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  • 1 month later...

After a well earned breather from those nice chaps at Snatch West, the silence was broken yesterday morning.

 

Have now received letter from second set of solicitors.

 

A copy of the two page letter can be seen at the following photobucket link:

 

vexlitigant/Shoosmiths - Photobucket - Video and Image Hosting

 

Any advice is welcome.

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Hi Vex

Long time no chat I trust you and yours are well

Well in reply to your post go back to my post 25 same letter needs to be dispatched again.

 

Regards

Andy;)

We could do with some help from you.

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Have you posted a copy of the agreement they've forwarded?

 

You need to write back and ask if the agreement has been recreated. A request under sec 77 allows the lender to omit the borrowers signature, therefore they have complied. However, a signature is needed for enforcement, but only if contested.

 

Take a look.

 

How trustworthy is your bank? | Money | The Guardian

 

MP fears bank's phantom paperwork may be just the tip of an iceberg | Money | The Guardian

 

Paul

Edited by paulwlton

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Radio silence broken this morning by some donkey at Rockwell DCA. I phoned them back, and got a right t*** who answered the phone with "Hello, this is Mr ------". I knew it was a DCA when the self righteous pillock who answered, refered to himself as "Mr". Who the hell answers the phone like that any more? Had me so worked up i shot up to Tescos and treated myself to a tin of Fray Bentos this evening.

I plan on calling Mr ------ back tomorrow and testing his resolve with the notion that i'm the father of whom he wishes to speak with, and get him to break confidentiality when i offer to settle "before it gets completely crazy".

 

More later!

If my advice or input has helped, by all means tip my scales

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Hi Vex

 

I personally would not advocate getting into verbal dribble with these muppets but rather questioning have they the right to collect.More importantly why as it been passed again if the bigboy Sols are ready to persue litigation? Do they not feel secure of their chances? Request a copy of your CCA from them or inform them the A/C is in dispute and that it should be returned to the O/C that should silence them for now.Dont get into verbal nonsence on the telephone it serves no purpose.

 

Regards

Andy:cool:

We could do with some help from you.

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Hi Vex

 

You need to be sure that you've got your dates right in respect of when the AoS and defence needs to be filed. For example, if you receive a Court claim with an issue date of the 20th May 2008, you are given 5 days for service (delivery) so that takes you to the 25th May. You then have a further 14 days to file your AoS and if you need a further 14 days to file the defence, that is available to you. So in all, you get 33 days in total. If you are unsure, either post up the issue date here, or ring the Court ASAP, the number is on the front of the claim form, on the right hand side tiny print.

With regards to your intentions and if you intend defending then you need to do CPR 18 request again ASAP and give them 14 days to respond.Subject to their complience this will form the basis of your defence beit an holding defence or final.

 

I trust the above is of help

 

Regards

Andy8)

We could do with some help from you.

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