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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   
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
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1st Credit and HSBC Debt not mine.. Stat Demand.


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overdone, I think you will find all the links in the following thread. You could also search for comments by surfaceagentx20 and pt2357 :D

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/147432-high-court-judgement-rankines.html?highlight=Rankine

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2: Does your Bank play fair - You can force your Bank to play Fair with you

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Just watched Panorama documentary again. It was repeated early Friday morning. Apparently, where the "Rankines" went wrong was not to stick to the looking of inappropriate material within the Consumer Credit Act legislation and writing individual letters to creditors, which is what we do on here.

I understand that details of the Rankine's failure are now being quoted by DCA's in an inappropriate manner. Where can I find details of their case on the net?

BBC - Press Office - Panorama: Can't Pay, Won't Pay

 

 

Hello overdone,

 

Is this what you want:-

News and Events : Articles : Judgment: Basil Rankine vs American Express Services Europe Limited

 

Onwards and Upwards

 

Chalkitup

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Here is an excellent defence if the pondlife try to waffle about Rankine - Thanks to Rory

 

Account Ref: xxxxxxxx

Dear Sirs

 

I refer to my letter dated XX/XX/XX in which I requested pursuant to s.77/78 of the Consumer Credit Act 1974, for you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

 

You have replied quoting the Rankine Vs HBOS & Others, claiming that you do not need to provide the requested information, This has surprised me, as no precedent was sent in this case, May i remind you of the following cases:

 

WILSON Vs FCT (2003) UKHL "the court considered that under the CCA, it was bound to uphold Mrs Wilson's arguments and declare the agreement to be unenforceable"

 

Dimond v Lovell [2000] 2 WLR 1121 where a credit hire company's loan agreements failed to stipulate the prescribed terms and were therefore, as Lord Hoffman put it, "irredeemably unenforceable"

 

I am sure that I do not need to remind you of your legal obligations under the Consumer Credit Act 1974, and the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

May I also take the opportunity to remind your company of the Solicitors' Code of Conduct. In particular Rule 11.01 Deceiving or Misleading the Court.

 

11.01 Deceiving or misleading the court

• (1) You must never deceive or knowingly or recklessly mislead the court.

 

 

 

(2) You must draw to the court's attention:

o (a) relevant cases and statutory provisions;

o (b) the contents of any document that has been filed in the proceedings where failure to draw it to the court's attention might result in the court being misled; and

o © any procedural irregularity.

(3) You must not construct facts supporting your client's case or draft any documents relating to any proceedings containing:

o (a) any contention which you do not consider to be properly arguable; or ..............."

If you are unsure of your legal obligations, please seek advice from a qualified solicitor or your local CAB office.

 

Yours faithfully

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Well done CB.ODC and Chalkitup. I thought I was opening a can of worms. Has anyone heard of "Credit Solutions" of Purley, Croydon? I hope they are not yet another name for 1st Credit and Conaughts.

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Well done CB.ODC and Chalkitup. I thought I was opening a can of worms. Has anyone heard of "Credit Solutions" of Purley, Croydon? I hope they are not yet another name for 1st Credit and Conaughts.

 

Yep, they are one of my penpals..what do you want to know ?.. :DThey were supposed to visit me on Wednesday according to their bright yellow postcard.. they didnt turn up:(

 

Their latest letters to me.... Our client will NOT allow this unacceptable situation to continue... :eek:

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Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Credit Solutions .....

They telephoned me for three weeks and sent me four letters then I read them the riot act and they handed my debt back to MBNA :D

Chalkitup

 

So although they are in Croydon, Surrey, they are not Connaughts or 1st Credit? Does Croydon have any industry, that does not deal with debt? Do people earn a respectable living by say, working in a supermarket or anything like that?

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So although they are in Croydon, Surrey, they are not Connaughts or 1st Credit? Does Croydon have any industry, that does not deal with debt? Do people earn a respectable living by say, working in a supermarket or anything like that?

 

 

Is this a trick question ? :???::roll:

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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So although they are in Croydon, Surrey, they are not Connaughts or 1st Credit? Does Croydon have any industry, that does not deal with debt? Do people earn a respectable living by say, working in a supermarket or anything like that?

 

 

Hello,

 

According to their web site ...........

 

Credit Solutions Holdings Ltd. (CHSL) consists of the following three group companies:

Credit Solutions Ltd.

Credit Solutions was founded in 1990 and subsequently became the first Debt Recovery Agency to be accredited with the ISO 9001:2000 Quality Standard.

power2contact Ltd.

power2contact was formed in 2003, taking a radically new and successful approach to field visits by using the latest handheld technology, bespoke software and fully-employed field staff.

The Crucible Debt Purchase Company Ltd.

The Crucible Debt Purchase Company has the funds available to deliver debt purchase opportunities quickly and efficiently.

 

Onwards and Upwards

 

Chalkitup

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Well, you have to hand it to 1st Credit, one word from Trading Standards and they do as they please. This arrived this morning from Mackenzie Hall.

 

Ref. xxxxxx

Puruers 1st Credit Ltd

Original Creditor HBOS

Principle sum £4598.xx

 

IMPORTANT - DO NOT IGNORE.

 

Dear Overdone,

 

We have been instructed by our client to recover this Overdue account on their behalf.

 

Our clients have informed us that they are unaware of any ligitimate reason for non-payment of their account and although they would prefer an amicable settlement, they will not hesitate to take such further action as may be appropriate.

 

We trust that this will not be necessary and would request that you send your payment by the deadline below to the address at the top of this letter to avoid action.

 

Payment deadline NOON 19th November 2008.

 

If you have recently forwarded payment or if there is any issue that you would like to bring to our attention then we would ask you to contact this office Immediately by telephone on 01563 554 793.

 

Yours sincerely,

Francis Clark

Mackenzie Hall Limited.

 

I would have thought posts 153, 155. Page 8 and post 271 page 14, were legitimate reasons. Apparently not.

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dear mucky hall.

 

BOG OFF.

 

yours overdone.

 

Just for ppls amusement

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Ah Mackenzie Hall, theres a blast from the past! They tried to get DH to pay a statute barred debt last year, and it was googling them that I found my way to the CAG! Two emails and the threat of TS, OFT and FOS and the words statute barred soon got rid of this bunch of muppets, I'm sure you'll have no problem getting rid of them.

 

Good luck :)

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my bog off letter should work.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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my bog off letter should work.

 

Much as I would like to get straight to the point with Mac Hall I have blasted them with photocopies of TS letters and written,

 

 

Dear Sirs,

 

PLEASE DO NOT IGNORE THIS LETTER

 

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY

 

Account No: xxxxxxxxx HBOS 1st Credit Ltd

 

In acknowledgement of your letter, referenced above of 12 November 2008. I was in fact surprised to hear that 1st Credit have asked you to contact me regarding the above. Since they are in breach of my Consumer Credit Agreement requests (Consumer Credit Act, 1974); dated 23 June 2008 for which I have proof of receipt . I can only assume therefore that they failed to inform you of their non compliance.

 

Your principal had until mid July to comply with a legal request. They are now in breach of that request. I am enclosing copies of the letters sent to , 1st Credit for which I have received no reply other than letters threatening legal action and the subsequent involvement of Trading Standards.

 

I therefore suggest you return this account to 1st credit.

 

 

 

Yours faithfully,

 

 

Overdone

 

and to Essex Trading Standards I have written,

 

Dear Mrs xxxxxxxx,

 

Re: 1st Credit

 

Thank you for your letter of 30 October 2008 in which you state that you would be grateful if I could notify you of any more demands for payment from 1st Credit.

 

From the enclosed letter you can see that 1st Credit have asked Mackenzie Hall to pursue this debt on their behalf.

 

I trust the enclosed will assist you to take further action.

 

Yours faithfully,

Overdone.

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Seems like a good plan to me overdone :D

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Sent recorded delivery, I had a load of paperwork from Mackenzie Hall this morning. Could someone look at it and tell me where they think it might be flawed.

 

I had a load of terms and conditions too, backdated to look as If they were the originals.

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This is clearly an application form with no prescribed terms and conditions. The letter to PeterBard from the DTI is clear on this subject. You can find it in PeterBard's thread letters from the DTI.

 

They have sent me a perfect set of terms and conditions which I think have been prepared retrospectively. I need to know basic flaws like what should appear next to the signature and A.P.R stuff. I only have a little knowledge which can be a dangerouse thing so would appreciate if someone could prepare a list and what sort of letter to write.

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The prescribed terms need to be on the same page as the signatures. Also, PeterBard is an expert on these documents and he had a look at one of mine and he said they hadn't got a cat in hell chance of enforcing it, it was a CapOne Application Form. If you search his name and look at his threads it may help. I am sure that these Credit Card companies would be willing to go to court more often than do if they were so certain their application forms were enforceable.

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They have sent me a perfect set of terms and conditions which I think have been prepared retrospectively. I need to know basic flaws like what should appear next to the signature and A.P.R stuff. I only have a little knowledge which can be a dangerouse thing so would appreciate if someone could prepare a list and what sort of letter to write.

 

 

You say they have sent you a perfect set of terms and conditions. From what date are those? Your APPLICATION form is dated 1997.

 

On the t&cs is there a date or date code anywhere, what if any are the value of the charges they say they will apply to the account in the event of default ?.

 

On the application form, does it refer to terms and conditions as overleaf, in another document ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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You say they have sent you a perfect set of terms and conditions. From what date are those? Your APPLICATION form is dated 1997.

There is no date on the terms and conditions but charges that would be applied are those prevailing ten years ago.

£25 each time you do not make a minimum payment by the payment date.

£25 if your account balance is over your credit limit on a statement date.

etc, but it does seem expensive for ten years ago. Without a date reference I cannot invalidate them

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On the application form, does it refer to terms and conditions as overleaf, in another document ?

 

The application form is illegible.

 

Image of mackhallapplication2 - Photobucket - Video and Image Hosting

 

I have had no deed of assignment but who would that have to come from, RBS or 1st Credit or Connaughts or........

What sort of letter should I write to Mckensie Hall in response. These were sent recorded delivery by Mackensie Hall.

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