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    • I didnt think the Managment co would give out their registered address but ill ask if they reply
    • 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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I need some help with reliable collections please


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Hi there,

 

i took out a account with fashion world back in 2006.

i couldn't keep up the payments and the debt was passed onto reliable debt.

the debt increased due to charges etc and i gave up paying at all.

 

a couple of weeks ago i came across a template letter on here i could send asking for the original signed agreement. http://www.consumeractiongroup.co.uk/forum/showthread.php?235803-Jd-Williams-reliable-Collections&highlight=reliable+collections

 

i sent it in hope that i could get rid of them but they've replied.

 

i received a letter, all the items i ordered with dates and costs and 2 pages of credit agreements

HOWEVER, these were not the originals!

ive moved house twice since and they themselves have filled in my name and new address on the agreements!!!

no signature tho! they claim they do not need to provide me with the original!

 

could anyone advise me with what step to take next?

the debt has doubled due to them so i refuse to pay anymore!

 

photos of the letters are attached. Many thanks in advance, Amy.

 

DSCF4606EDIT1.jpg

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Hi Amy

 

Welcome to CAG

 

The guys will be happy to advise as soon as they are available.

 

Can you delete the reference number in the letter.

 

They don't have to provide 'True Copies', what they have provided are Reconstructed Agreements which would satisfy your

Request. But all the details on the Reconstructed Agreement should be the same as on the original Agreement. They have

got the address wrong, so they have not satisfied your request. You should send them a Dispute Letter. Have a read of no. 5 in my signature.

 

You need to send them an Account in Dispute letter. Make sure you send the correct one.

 

http://www.consumeractiongroup.co.uk/forum/content.php?609-Can-t-find-the-letter-you-want-Look-here

 

To claim back charges 1,2, and 3 in my signature.

 

Heres a spreadsheet to calculate charges:- http://www.shweb.pwp.blueyonder.co.uk/interestcalcs.xls

 

Don't forget to charge them Contractual Interest.

 

Please don't post stuff like this on other threads 'holy smoley!!!'.

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Have there been any late payment or default charges applied to the account ? If interest is still being charged then this account is still with the original creditor. They say a review was undertaken.. did you agree to the £30.00 repayments or did they just tell you that is what YOU had to pay ?

 

Whilst a reconstituted agreement serves to fulfill their obligation under the s78 request. It wont be adequate should they want to take court action against you.

 

It seems ridiculous that under any repayment plan, the balance will continue to increase rather than decrease.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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yes there has been many charges! i had phoned them a while back asking if they can lower the payment. they told me they couldn't do anything until i had paid the £93? arrears. i said i could only afford to give them £30 towards the arrears. and they said it wasn't enough. so i didn't pay anything. now they say i made a repayment arrangement with them for £30 a month which i didn't! twisted my words!

 

heres a screen shot of the current account situation. the arrears have gone up again.

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16/07/2011 -- -- FOLLOW 7 2.843% AMOUNT DUE 124.48 -- Service Charge £52.91

12/07/2011 -- -- ADJUSTMENT -- Payment Reversal £1.00

04/07/2011 -- -- PAYMENT - THANK YOU -- Payment £1.00

23/06/2011 -- -- ADMINSTRATION CHARGE -- Adjustment £12.00

23/06/2011 -- -- ADMINSTRATION CHARGE -- Adjustment £12.00

18/06/2011 -- -- FOLLOW 6 2.843% AMOUNT DUE 95.48 -- Service Charge £50.89

21/05/2011 -- -- FOLLOW 5 2.843% AMOUNT DUE 65.48 -- Service Charge £49.20

21/05/2011 -- -- ADMINSTRATION CHARGE -- Adjustment £12.00

21/05/2011 -- -- ADMINSTRATION CHARGE -- Adjustment £12.00

03/05/2011 -- -- ADMINSTRATION CHARGE -- Adjustment £12.00

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Amy, if you read the "Summary of Findings" at the bottom of the link, Rebel posted above you will see if the creditor has fulfilled their obligations under s78.

 

From what you have posted up, I would say you would be able to reclaim all those charges and what the hell is a service charge..? you should I think, be able to reclaim those as well.

 

That would bring down what is owed and might make it more manageable for you.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Amy, if you read the "Summary of Findings" at the bottom of the link, Rebel posted above you will see if the creditor has fulfilled their obligations under s78.

 

From what you have posted up, I would say you would be able to reclaim all those charges and what the hell is a service charge..? you should I think, be able to reclaim those as well.

 

That would bring down what is owed and might make it more manageable for you.

 

 

ah ok. thank you so much x

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2) The s78 copy must contain the name and address of the debtor as it was at the time of the execution of the agreement. But the creditor can provide the name and address from whatever source it has of those details. It does not have to take them from the executed agreement itself;

 

'HOWEVER, these were not the originals! ive moved house twice since and they've themselves have filled in my name and new address on the agreements'

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2) The s78 copy must contain the name and address of the debtor as it was at the time of the execution of the agreement. But the creditor can provide the name and address from whatever source it has of those details. It does not have to take them from the executed agreement itself;

 

'HOWEVER, these were not the originals! ive moved house twice since and they've themselves have filled in my name and new address on the agreements'

 

 

yes, i noticed this part but then the

". But the creditor can provide the name and address from whatever source it has of those details"
confused me. right, i will send the letter - Failure to provide a copy of the agreement within the prescribed timescale, and see how it goes from there.

 

thank you so much, youve been a great help! x

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All this means is that they can provide this information from any data they hold, screenshots, letters etc.

 

". But the creditor can provide the name and address from whatever source it has of those details"

 

Send all letters Recorded, keep a copy. Set up a folder.

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  • 2 months later...

hello again.

 

well i sent off the 2nd letter ( demand for a specimen signature before complying with S77/78 CCA) on 17/08/2011 and ive still not received any reply. they just keep sending demand letters and the debt is forever increasing. any idea whats happening and what to do next? thanks in advance, Amy.

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How are you doing with your reclaiming ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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You will be claiming the interest on the PPI payment and yes, you can claim for administration charges, it is for them to prove the charges are what it cost them to administer the account. What spreadsheet are you using. The one below will calculate the figures for you.. all you need to is enter the APR that you were charged on the agreement at the top of the form. Enter the date each payment was taken and the amount and the spready does the rest for you.

 

[ATTACH]30292[/ATTACH]

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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