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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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capquest stat demand for old SkyCard Debt? *** WON + COSTS ***


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  • 9 months later...

I had a c card and I ended up defaulting on it. I went to CCCS and they set up a debt management plan for me just over 12 months ago.

I have been making my payments. However, I got a letter out of the blue from Cap Quest DCA telling me that they had bought the debt. The amount they quoted I owed was higher than the debt was before I started the DMP. Over £8800.

After looking at this forum I have now sent Cap quest a CCA request using one of the templates.

Today have just got a letter from skycard telling me they have sold my debt.

 

My question are;

 

Can I pursue skycard to reclaim the 'charges' and other adjustments they have added?

 

If so, how do I do it?

 

What should my next action with Cap Quest be?

Thanks

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I had a c card and I ended up defaulting on it. I went to CCCS and they set up a debt management plan for me just over 12 months ago.

I have been making my payments. However, I got a letter out of the blue from Cap Quest DCA telling me that they had bought the debt. The amount they quoted I owed was higher than the debt was before I started the DMP. The amount they say I owe is just over £8800 which is £1000 more than it was a year ago.

After looking at this forum I have now sent Cap quest a CCA request using one of the templates.

Today have just got a letter from skycard telling me they have sold my debt.

 

My question are;

 

Can I pursue skycard to reclaim the 'charges' and other adjustments they have added?

 

If so, how do I do it?

 

What should my next action with Cap Quest be?

Thanks

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if skycard put sonme unlawfull charges on your credit card yes you can reclaiming them bu ti will be carefull there as you said the ammount between skycard and your DCA are different. if i was you i will CCA the DCA asking for a statement of affair and a deed of assignment. However, iff you pursue this you will admit that you owed this ammount of money if i were you i will wait a bit and see what they come up with your CCA and yur deed of assignment ? did you receive a default notice also from skycard?

 

skycard may have sold the debt but they still have to provide your CCA as you have requested it .

 

if you wan to pursue them then if you don't how much exactly and what typeof charge then iadvise that you SAR them in order toknow exactly how much they have charge you.

 

i hope this help

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If you have CCAd CapQuest then just sit & wait as they will be in default of CCA regs once 12 working days has passed & no CCA. This means they shouldn't pursue you until they have complied with your request.

 

In theory, even if you are in a DMP creditors can continue to add interest & charges to your account although obviously part of CCCS role is to try to negotiate this with them. You probably can't do anything about the interest if it's correct ( should be able to check this on your original agreement ), but if there are any possibly illegal charges on there you can try to reclaim them.

 

If CapQuest do manage to comply with CCA & your balance turns out to be correct ( bit of a stretch I know but it has been known to happen ), just refer CapQuest to CCCS as CCCS are your appointed 3rd party. Under OFT debt collection guidance rules CapQuest should not be refusing to deal with an appointed 3rd party ie they should leave you alone.

 

Good luck & keep us posted:)

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Thanks for your comments. However I informed CCCS that I had received a letter from CapQuest and they said they would transfer to them.

 

Should CCCS pay them or should I ask them to hold it?

I have sent a request for CCA by recorded delivery.

 

I have now just received a letter from skycard stating... we have sold your debt to cap quest blah blah blah. This arrived 5 days after cap quest started phoning!

 

What should I do with Skycard aka Barclaycard? SAR?

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  • 3 weeks later...

Just got a letter today dated 20th November stating that further to my communications they will accept payments of £38 per month from me.

 

I can only assume that the CCCS who manage my DMP have contacted them.

 

I sent them a request for CCA recorded on 1st Nov and I have not had anything back.

 

Should I write to them? what should I say?

Should I contact the CCCS and ask them not to pay capquest.

 

Capquest are asking £2000 more than the original debt with Skycard.

 

Should I send a SAR to Skycard (Barclaycard)?

 

Can anyone advise

Thanks:confused:

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Just got this email back from cccs:

Dear

The only contact we have with your creditors is making payments and also issuing financial statements,

If you have requested a copy of your original credit agreement and also a break down in charges and they haven't replied I would advise you get in touch with the financial ombudsman on 0845 0801800 or access there website on

Financial Ombudsman Service

They should be able to advise you on the correct legal proceedings

 

I hope this helps

Please keep us informed with what happens

Regards

Support Counsellor

Can anyone advise what I should now do please.

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  • 2 months later...

Update.

 

I got a copy of my credit agreement sent to me by capquest.

 

I contacted cccs who manage my dmp and they confirmed that they had transfered my payments from monument to capquest.

 

On Friday I received a letter from Capquests solicitors stating that as I had not paid capquest any payments they now were going to pursue me for the total debt

I then started getting phone calls form capquest NON STOP!

 

I have checked with the CCCS and they have paid them evey month.

 

Can anyone advise what I should do?

 

A-with capquest who have added a lot more to the amount owed.

 

B-with skycard who have sold my debt

 

:???:

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is it only an application form?

 

i had sky card that went to crapquest and all the threats that goes with it, cca'd them and never heard anything since 8 months ago that is. i know fact that it only application form nothing more

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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crapquest tried dumping interest and stuff on mine i told em point blank i aint paying it. have you thought about dumping cccs, usually a lot of these debts are unenforcable in court, if so you can concentrate on the ones that are enforcable and tell the ones that aint to take long walk off a short pier :D

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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the idea is sorry, to put YOU in control not the debt collectors, if you have few debt through cccs i'd cca all creditcards and alike, you might be suprised at the outcome

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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