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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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Capquest 'CCJ' letter re Cap1 debt - Northern Ireland


theshuffler
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Skint suzi if you have lived in scotland all your life never having an address in england or wales and the ccj was issued in Northampton then you have the same argument as i do . Also another ccj pushed through the wrong juristiction makes it difficult for them to deny doing it on purpose

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Quote:

Originally Posted by theshuffler

was the court order made in northampton? if so you have the same argument as i did suzi and at the very least you will get this debt written off

 

If this was theshuffler, I will use the same arguments. Also I am pretty sure this was all paid of in 1999 when I sold my house to pay for the mess I got myself into,

 

These guys are just chancers and I will not let there threats make me pay a debt I do not owe.

 

Think I might have some fun with this now I am wiser (thanks to this forum):wink:

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I wonder will they try to pass the buck on to the bulk center , they should of spotted our admin error etc. It has just occured to me that they prob paid around £120 for this alledged debt , then they try to buy me off with it dressed up as 686. Clowns . trying to find a case of purjury similar on the net to see what sort of punishment it involves.

Edited by theshuffler
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No not at all . They have already admitted they were wrong , given the amount of times they have used the service im sure that they were completely aware of what they were doing.Im just struggling for the right words to emphasise that the apology they offered was derisory . My wording doesnt seem to be strong enough to highlight the seriousness of the issue.

Edited by theshuffler
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This is a rough draft of what i intend sending to them . Im a novice.

 

Thanks for your recent correspondence regarding my complaints with your company. However in view of the seriousness of your actions and the poor apology you have issued i feel i must take this matter further . Your excuse other than an error in bringing action against myself in a court that has no juristiction does not suffice.

As a regular user of the MCOl im sure you were quite aware of the guidelines set down for the use of the service , i have never been to the site before now and it was blatantly obvious to me within five minutes that people without an address in England or Wales could not and should not be processed through the center.

I believe that your company was fully aware of the slack procedures at the MCOL and decided that a cheap CCj was ideal way of attempting to extract payments for me for a debt i dispute. When you submitted your papers to the center you would of been required to sign a statement of truth , which your company duly signed knowing quite well that you were not being truthfull. This act in itself is purjury and can carry hefty fines and or imprisoment. Further to that you tried to use the CCJ you had issued illegallly to frighten and harrass me into making payment.s by threatening me with bailifs . The fact that this illegally obtained ccj was entered on to my credit file is an act of libel against me . In light of my complaint and by way of apology you have now decided to write off a disputed debt , which probably cost your company one fifth of its face value , a derisory figure to a company of your size. Im afraid that you have left me with no option other than to keep my previously arranged appointment with my MP ( 4th Aug ) with regards to him speaking to the relevant minister regarding your behaviour. I did hold off on lodging complaints to the OFT and the financial Ombudsman regarding these issues until you had your right of reply , however as have mentioned above the word ERROR does not justify your actions , and leaves me in no doubt that you have taken these matters lightly .

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"Abuse of process" would appear to describe their handling of this situation in a nicely understated way.

 

So, they have obtained judgement against you fraudulently. They can only have lied as to your address.

 

(But you would think MCOL would be set up to reject postcodes not in England or Wales. God, its cant be that hard to set up an auto reject for postcodes starting BT?)

 

But hey, thats not your problem, they ignored the statement that MCOL must not be used for those residing outside England/Wales.

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You could also mention that their threat of bailiffs was laughable as bailiffs have no power in N.Ireland, besides being an act of harassment- threatening a form of legal action for which they have no power and no legal authority to inflict!

 

(You may also like to mention that the reason that bailiffs have no power here, is because they are considered legitimate targets by the IRA and that the post was abolished in 1971 due to most of them getting a bullet in the back of their head.)

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You could also mention that their threat of bailiffs was laughable as bailiffs have no power in N.Ireland, besides being an act of harassment- threatening a form of legal action for which they have no power and no legal authority to inflict!

 

(You may also like to mention that the reason that bailiffs have no power here, is because they are considered legitimate targets by the IRA and that the post was abolished in 1971 due to most of them getting a bullet in the back of their head.)

 

And maybe mention my MPS name . Like i say rough draft i will rework it gradually , so any input greatly appreciated.

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In the end, it will be court action that gets you justice, so dont worry too much about this letter you're writing.

 

They know how much shte they're in here -all you need to do at this stage is let THEM know that YOU know how much shte they're in, too!

 

Balls in vice, tighten slowly.

 

:-)

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The grammar isnt correct as yet , feel free to pick holes in it.

 

Dear sir/mad man

Thanks for your recent correspondence regarding my complaints with your company. However in view of the seriousness of your actions and the poor apology you have issued i feel i must take this matter further . Your excuse other than an error in bringing action against myself in a court that has no juristiction does not suffice. In your letter dated June 16th you stated " As you will appreciate we have already commited to the full use of the court process and this will continue " My view is that you were commited to abusing the court process and this will continue until you are taken to task over your illegal practises.

As a regular user of the MCOl im sure you were quite aware of the guidelines set down for the use of the service , i have never been to the site before now and it was blatantly obvious to me within five minutes that people without an address in England or Wales could not and should not be processed through the center. I believe that your company was fully aware of the slack procedures at the MCOL and decided that a cheap CCj was ideal way of attempting to extract payments for me for a debt i dispute. When you submitted your papers to the center you would have been required to sign a statement of truth , which your company duly signed knowing quite well that your statement was incorrect and unlawfull . By commiting this offence you have called into question your elligibility to hold a consumer credit license.

In light of your lack of explanation on this matter i must assume that this action was a serious abuse of process which your company entered into knowingly and willingly. The fact that this illegally obtained ccj was entered on to my credit file is an act of libel against me . Therefore i must consider my options on dealing with this matter in the courts.

Further to that you tried to use the CCJ you had issued illegallly to frighten and harrass me into making payments also indicating the use of bailifs. Im sure that being in the business you are in, the threat of bailifs is a usefull tool , however i am also sure you are aware that bailifs do not exist in N. Ireland , unsure if i was aware of that fact you decided to try and harrass me with the threat of using them , whilst also implying that you had the legal power to do so . This matter would probably be best dealt with by the OFT.

 

In light of my complaint and by way of apology you have now decided to write off a disputed debt , which you have stated as £684.46 , oddly enough in your letter dated 16th June you were prepared to accept £386.99 , this debt probably cost your company one fifth of its face value , a derisory amount and quite honestly laughable . In my complaint to your company i requested that you comphensate me for your actions , i note that you failed to address my request in your reply.

In view of all the stated facts Im afraid that you have left me with no option other than to keep my previously arranged appointment with my MP ( 4th Aug ) with regards to him speaking to the relevant minister about your behaviour. As you requested after recieving my complaint I delayed lodging complaints to the OFT and the financial Ombudsman regarding these issues until you had your right of reply , however as i have mentioned above the word ERROR does not justify your actions and i feel that you have not taken the possible consequences of you actions very seriously. Therefore you have left me with no choice other than to proceed with my complaints

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I know its early days for a reply from them , but any one any idea if its worth making a complaint to MCOL about the handling of the case? Surely if capquest can slip ccjs past them then they are being negligent in their handling. Also if i raise a complaint maybe the will dig a bit deeper to see how many " Errors" have been made.

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I dont know whether MCOL can be blamed. After all they rely on the statments made by DCA **** that the information they have given is true. No we all know that TRUTH and DCAs cannot be used in the one sentence

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