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    • 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
    • so you've never been issued a default notice ever and all these accounts still show on your credit file?  
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Full & Final Settlement Offers


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My Fiance and I have recently had a property repossessed and owe £41,000 to the mortgage lender. When we received the first phone call chasing the payment or suggested payment plan we were told that the lender may accept a lump sum payment to close the account down. This sum was in the region of £7,000. Due to the arrears and subsequent repossession we have fallen behind on other payments (Egg & HSBC loans). We had spoken to an IVA company who not only wanted to charge us a fortune for their help but told us we would still be paying out for years to come. They did however advise us that most companies will take a lump some payment of around 25% of the outstanding loan amount (HSBC will want 40%).

 

We have since been speaking with family members who have offered us £15000 to try and clear all the debt before we end up going bankrupt. It breaks down as follows:

 

Mortgage owed £41,000 - Offered £7,000

Egg Loan owed £11,000 - Offered £3,200

HSBC owed £8,000 - Offered £3,500

 

As you can see apart from the mortgage offer, the other two offers are over what we were advised by the IVA company.

 

Has anyone here had any previous experience in this and what are our chances of having these offers accepted?

 

Thank you,

Chris

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Hi there,

 

Have you looked into doing an IVA with Payplan, they are free of charge. The creditors overall like to see about 20-25% of the debt being settled. Even if you dont try the IVA, you could go into a DMP and complete a full and final settlement with them. This way your case officer would contact all creditors on your behalf, ask how much they would individually be willing to accept, and then await their response. This way you know how much to offer them and what they are likely to accept.

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Thanks for your response.

 

I actually have a plan with the CCCS at the moment for debts in my name. They started at around £28,000 and now down to around £15,000 so this is being paid off slowly.

 

My Fiance has the 2 loans with HSBC and Egg in her name only and the £41,000 owed to the mortgage lender is in joint names. I actually had a response from the DC regarding the mortgage today in response to the £7,000 offer we had made. They have come back with a counter offer of just over £10,000 but i have had to tell them that we can only come up with £7,000 otherwise we will have to go BR and then they won't get anything! Just need to wait for their response tomorrow.

 

What i really need to know is what sort of percentage the lenders will accept as a settlement figure especially if they realise that we are considering bankruptcy.

 

Thanks,

Chris

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  • 1 month later...

Congratulations Chris....well done, I am in a similar predicament to you, I am in the process of offering full and final settlement with creditors, have u any advice as to the best step forward? I have been advised to go in and offer 25% of the balances owed, did this work for you? How did u manage to get ur credit file cleared up?

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I had £42,000 negative equity when my house was reposessed so i made an offer of £7,000 to clear it or i would go bankrupt. We agreed at £8,000 and based on the settlement they would clear my credit file. Although i still have the reposession on my file, it does show that i settled the amount owed in full.

 

In regards to your offer, if it has been bought by a debt collection agency (DCA) then they will always accept less than the original creditor as they buy the debt of them for a lot less. If it hasnt been bought by a DCA then it may be worth waiting for it to go that far first (this only depends on you being in arrears). Keep me posted on how you get on as i have a couple of others in my fainces name pending...

 

Thanks

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Thanks for that Chris, will keep u posted, I put in an offer to pay 25% off my balance with a DCA, they rejected it this morning, I advised them my only other option is BR, so am waiting for them to get back to me to say they will accept, which no doubt they will!

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