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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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OH lloyds tsb visa card


wittsend
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Reply from Tsb today 4th, posted 2nd class, letter dated 30th sept (cca sent 23rd sep rec by them 24th)

 

Normal temp letter, but,, As your agreement was made before 19 May 1985, we have no obligation to supply you with a copy of your executed agreement

 

I thought that clause was in the original 1974 act ...

 

Still, at least they have confirmed that the account is enforceable. If it turns out not to be, that is contrary to OFT guidance (and maybe more). It won't be enforceable if they don't have the original agreement

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i'd not do anything now, ball is in their court

what they send for the cca reply was toilet paper.

 

get that reclaim going.

 

and have you sent the failure to comply letter and stopped any payments?

 

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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look in the library top left

 

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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only if he directly replied to your cca request

 

else fire it off to the orginal ad you used

 

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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  • 2 months later...

Hi all

just a quick up date, letter from Lloyds late dec stating they will accept the reduced payments my OH offered for 6 months

small problem the letter was sent to Lloyds in MAY 2010, I wanted to stop paying them but he wont fight them

 

Can i just ask they issued a default on this account, for the arrears

are they allowed to do this if the account is CLOSED ??

 

any one

 

witts

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if the a/c is closed its closed!

agreement etc ended!

 

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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Share on other sites

dx

just so I have this right

 

they issued a default in nov 2010 on an account that they closed in 2002 and closed again in 2003

they should not have done this so I am within my rights to ask for it to be removed? yes??

 

witts

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very right

esp if you've got it in writing both times they closed it.

 

i'd parcel that off to the CRA and say why is this on my records please

 

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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  • 1 month later...

letter sent to lloyds 15th feb asking them to clarify the reason for the default

also asked how they can keep resurecting a closed account and how if the account is closed it can have an available balance

aked if they woul state in writing if they had a true copy of the cca and if not would they inform me as such in writing by return of post

 

not heard a thing

 

w

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Hi Wittsend - just red your thread - similiar situation with son-in-law creidt card - account was ended in 2009 but still being adding interest and showinf an available balance - just written asking for all interest charged (plus contractual interest) since agreement ended. Also waiting for SAR as think it has PPI on.

 

Intend

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  • 2 weeks later...

Hi intend

 

thanks for your message hope you have better luck than me at getting somewhere with them,

Hubby cannot remember signing an agreement, nearly 30 years ago and I am almost sure that the card was linked to his bank account,

he went in to get money out and they asked if he would like one,

 

sorry for the delayed reply didn't know you had posted till i checked the thread

 

mrs witts

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  • 3 weeks later...

Hi all

quick up date, not heard a blooming thing

 

not even aknowleded my letter

 

reminder going off tomorrow, do you think they have found out they have made a large oopsidaisy ??

 

witts

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  • 3 weeks later...

update

 

have today received a letter from voyds (no not miss spelt)

 

it is assureing us that the complaint is getting the attention it deserves

 

since the complaint was first sent 15/02/2011 and we only got this when i sent a complaint that they had not replied to the first compaint

we must not deserve much attention

also they have spelt hubbies name wrong

and the letter starts with dear wittsend, no mr or 1st name

 

must have the students in on work experiance

 

will post again when i have more news

 

mrs witts

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Hi - re my erlier post - had interest charges and late payment fees credited to account:jaw: but latest statement has a late payment and interest charges on an account that is closed!! now confused. suggest you ask for refund - how can an account terminted by them still have terms and conditions?? another complaint going off.

 

Intend

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hi intend

no one has any idea what is going on there,

it appears that whoever deals with your complaint only gets basic information, any thing to complicated and they dont seem to have a template letter to cover it

they will say it was a computer error

 

a computer only works as good as the operator

type rubbish in, get rubbish out

 

keep up the complaints

 

mrs witts

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  • 4 weeks later...

recent up date letter below received, am now realy confused as the account was closed , but then was'nt?

 

Lloyds complaint.jpgsorry cant get it to download

Edited by wittsend
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I was thinking of a reply along the lines of

 

Dear wotsit

 

thank you for you letter re the offending account

my records show that your company issued a default in 2002, out lining what would happen if it was not rectified by a certain date,

your company sent a letter in 2002 stating that due to the amount owed on the account you would be closing it and asking for the return of the/any credit cards as they had been canceled

also stating that as the default had not been rectified you were registering the default with the CRAs

your company/in house solicitors sent a letter stating if the full balance was not paid then nasty things MAY happen to me

 

so are you saying that the default you issued and registered with the CRAs in 2002 was infact wrong and should not have been issued

OR

are you saying that you can issue a default in 2002 but apply it in 2010

OR

register two defaults on the same account when the first default has never been rectified

 

also if this default has been registerd correctly how can you also mark the account as an arrangement to pay (AP)

 

May I also point out you have not explained why it took LLoyds 9 months to agree to my reduced payments to you, which you only replied to after i sent you a letter with a copy of one from LLoyds dated in may 2010 stating my account had been sent to the recoverys department and I should wait to hear from them.

This resulted in you charging intrest on the account and issueing the default

Do you not find that unfair

 

also I asked you to confirm that you held a copy of the credit agreement for the account and to confirm or deny the fact in writing

I asked as I have a letter saying that your company would send me a copy of it when found dated xx 2010, I am still waiting

 

any one any thing to add

 

Mrs witts

Edited by wittsend
forgot to engage brain while typing
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