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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   
    • 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
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Re: Simply Be - Reliable Collections


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Hi all,

 

I'm having some difficulties with simply be and reliable collections as are a lot of other people.

 

I've had my account with simply be for about 5 years. It was only about 18 months ago I ever missed a payment. I suffered identity theft and lost my job and home, and I'm now not working due to a health condition. The interest on the account is killing me. I was paying £40 a month, which was difficult, but I thought I was getting somewhere. When I looked at my subsequent bills I saw that over half of that was interest and charges. They've now passed my debt to reliable collections. I have no experience with this kind of thing. I'm 25 and I've never defaulted on anything before and I have a feeling they're railroading me. I've agreed with reliable collections to pay £45 a month, direct debit, and simply be have cut my account off. However, when I received a letter recently, it said that I'm still being charged interest on the debt, even though its now with a collection agency. I really don't understand what I can do, or even how to go about it. Can I get them to stop the credit interest? or freeze it? The debt has gone up to over £1000 now, and I don't even have a breakdown of where that sum comes from.

 

Please, I need some help. I'm drowning, and it feels like I'll never get this debt paid off.

 

Thanks for your time everyone.

 

Tillyoulostme

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cca them

the charges can all be reclaimed plus intererst!

 

what about ppi too?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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We crossed posts.

 

If you have been speaking on the phone to them, stop it.

 

If they send you a CCA (Consumer credit agrement, the thing you signed) remove your personal details and post it here for us to go over. If they do not send anything after 14 days* then stop ALL payments. You are legally entitled to do this untill they provide the paperwork.

 

If and when they do provide you with something enforcable then Im assuming your on JSA or some other benefit as your not working, tell them, not ask them.... Tell them you will be paying £5 month untill you have sorted yourself out.

Its your money and no debt collector can tell you how to spend it. The have no legal powers, they prey on people thinking they are all powerfull. THEY ARE NOT.

 

 

 

 

*Its actually 12 days + 2 for the postman to deliver.

Edited by ashmk
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If you are 100% sure you did not sign anything on paper or tick an online tickbox then its game, set and match to you.

 

They have nothing on you and can do nothing to you but follow the process and do it properly with the CCA letter.

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I definitely didn't sign anything. They sent me a threatening letter and I called them up to try and explain. I wasn't told that the interest would carry on and I wasn't sent anything through the post. All they did was set up my direct debit and asked me to pay £2.00 which I did. They then told me to make another payment of £43 before the 31st July, and the direct debit would start on the 21st August. However, I checked with my bank this morning and they took the £43 I paid over the phone a few days ago, and have now taken another £45 yesterday (the 28th of July).

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CCA request as above, in the meantime stop the DD and set up a standing order for £1 a month. If you are not working because of ill health that is what you should be paying. When they fail to comply with your request after the 12 days you can stop payment. After a few threatening letters they should eventually capitulate with a letter like this LINK. All you need to do then is write to them confirming you will not be paying because they have no agreement, then wait 6 years and you'll have a clean credit file and they will "be simply gone".

Edited by count orlok
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phone your bank

cancel your card NOW [tell them its been lost]

 

and get that 2nd payment back under the dd guarantee as you were not informed by LETTER that the vaue [£43] would change.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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and get that 2nd payment back under the dd guarantee as you were not informed by LETTER that the vaue [£43] would change.

 

dx

 

 

You speak to the bank about the refund to. Tell them you are protected by the direct debit guarantee and the bank must give you a full refund. None of this wait for the investigation rubbish. The bank must refund you instantly.

 

See here for more on the direct debit guarantee

 

 

You have given Reliable Collections the freedom to dip into your bank account when they please and as you see they have done just that and stolen money from your bank account.

 

Cancel the Direct Debit and card NOW.

Edited by ashmk
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I definitely didn't sign anything. They sent me a threatening letter and I called them up to try and explain. I wasn't told that the interest would carry on and I wasn't sent anything through the post. All they did was set up my direct debit and asked me to pay £2.00 which I did. They then told me to make another payment of £43 before the 31st July, and the direct debit would start on the 21st August. However, I checked with my bank this morning and they took the £43 I paid over the phone a few days ago, and have now taken another £45 yesterday (the 28th of July).

 

"tiss" a pity you did not post hear earlier, we could have warned you, and you would have saved £90 Which I am sure could have been put to a better use than paying them. Unfortunately even without any right for them to take it, it would be seen as a gift in the same way as their gift to you.

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They did the same to me. I had approx £300 debt with them but owed £790 altogether thanks to interest. In the end, i CCA'd them, turns out they have no agreement so i stopped paying. Just in a battle now to get them to remove the cheeky default they added to my credit file.

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  • 4 weeks later...

Hi all :)

 

So, I CCA'd them, and got a letter back yesterday morning. I was just wondering what I should do from here. The letter states that "when responding to a section 78 request, a lender does not have to provide a photocopy or literal copy of the executed agreement nor provide a copy bearing or some other proof of the customer's actual signature" they also state that they've enclosed a true copy of my agreement, and the T&C's "to which you have agreed".

 

They also don't have a start date for the account, it just says the account was originally "opened on {my name here} as a personal credit account.

 

I looked at the 'True Copy' and it has my new address on it, not the address I was at when the account was opened, and no signature of mine, though they've asked me to sign it and send it back, which obviously, I've got no intention of doing.

 

Funnily, the letter comes from Simply yours, and not reliable collections, as I would have expected, as the letter was recorded delivery to Reliable Collections.

 

Can anyone help?

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Hi everyone,

 

I've been having some real issues with Simply be/yours and reliable collections. Thanks to the amazing advice I received here, I CCA'd them. I just have no idea where to go from here. I was advised to CCA them as the debt on the account had grown so much that I really couldn't cope due to the piling on of interest. I also didn't sign anything in agreement with them, or with reliable collections who took an unauthorised amount from my account, but which I got back with the direct debit guarantee through my bank. I sent a letter, recorded delivery, not-signed by hand, with a £1 postal order, to the two different addresses I received for reliable collections, and I got a letter back yesterday morning. I was just wondering what I should do from here. The letter states that "when responding to a section 78 request, a lender does not have to provide a photocopy or literal copy of the executed agreement nor provide a copy bearing or some other proof of the customer's actual

signature
link3.gif
" they also state that they've enclosed a true copy of my agreement, and the T&C's "to which you have agreed".

 

They also don't have a start date for the account, it just says the account was originally "opened on {my name here} as a personal credit account."

 

I looked at the 'True Copy' and it has my new address on it, not the address I was at when the account was opened, and no signature of mine, though they've asked me to sign it and send it back, which obviously, I've got no intention of doing.

 

Funnily, the letter comes from Simply yours, and not reliable collections, as I would have expected, as the letter was recorded delivery to Reliable Collections.

 

Can anyone help?

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Any possibility you can scan and post it up on here but PLEASE ensure you remove all ID, addresses, bar codes, ref numbers, etc, by the sounds of it it is simply one they have made up to fit their circumstances, but would really need to have sight of it before committing any advice.

 

The first part of their reply is indicative of them not having anything to legally enforce this, and they are hoping you won't have a clue about your rights, WRONG! Your a member of CAG and anything they can do we can do better!

Correct they don't have to supply the actual copy, nor do they have to provide signatures, but you have to ask yourself, if they are chasing you for money they say you owe them, then would'nt it be prudent of them to supply you with a photocopy of the 'actual' agreement?

 

I'm feeling an account in dispute letter coming on here, un-reliable collection would have passed it onto Simply, that is if they are not one of the same..

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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They may not have to show you the actual copy but they have to show a court the real thing, so as BB points out, why not just provide an actual copy and save all the bother?

Mabey, and Im just throwing some ideas about here but mabey because the document does not exist. After all this is 'Reliable' Collections we are talking about here and I cannot recall a single enforceable debt these clowns have ever chased. Still post it up, theres always a first.

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Two threads merged.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hi guys,

 

thanks again for all the help, I've never had this type of trouble before and I'm really grateful.

 

I've scanned, and now I'm uploading what was sent to me. The credit agreement had two copies, the one I've scanned, and an identical one with my name and address (NOT the address I was at when the account was opened) and the letter I received with it. In it, it claims all charges were suspended, but this isn't true as my latest statement had credit charges listed on it.

 

Any help would be great. Thanks again.

img001.jpg

img002.jpg

Edited by tillyoulostme
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hehe

your img001 is just what my mrs has got in the post after i challenged their unlawful charges..........

 

seems like they never asked her to sign a contract when she took out the catalogue...

 

interesting predicurment ..

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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