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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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Egg Card now owned by Barclaycard


MandM
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well lets just say 4 now u will not believe what they are capable off but i put my 47 page WS plus bundles of evidence in court today im positive the Judge will enjoy reading it lol

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Evening M,

 

My agreement was also dated 2001, there was no mention of PPI in that or T&C's either.

 

Their response to my SAR included a screen shot of my 'on line' application, PPI didnt show there either.

 

HOWEVER, when I filed my complaint, their 'bog off - you ticked the box' letter also included a screen shot of my application which DID show the box was ticked.

 

Dont take any cr*p - go get 'um.

 

'B'

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Evening M,

 

My agreement was also dated 2001, there was no mention of PPI in that or T&C's either.

 

Their response to my SAR included a screen shot of my 'on line' application, PPI didnt show there either.

 

HOWEVER, when I filed my complaint, their 'bog off - you ticked the box' letter also included a screen shot of my application which DID show the box was ticked.

 

Dont take any cr*p - go get 'um.

 

'B'

 

Hi B,

 

That's the plan ;). Just cobbling the letter together and doing a bit more reading in the PPI forums. When I complained to them in 08 they sent the 'screenshot' according to their letter.

 

They've not put anything from the application into the SAR docs though. Call me suspicious but it could suggest that they may be a bit worried that it doesn't compare too well with the one they sent last year.

 

Will keep digging,

 

M

 

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MandM

 

You have a PM

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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  • 4 weeks later...

Decided it was best to put this in a new thread in the PPI forum so as not to confuse the issue.

 

Have held back on this a bit as I have had other issues with Egg but thought that now might be a good time to crack it ('scuse the pun :))

 

I have (or should I say 'had') an Egg card (2001). Defaulted last year (amongst others) following a change in circumstances and have been paying a very small amount to DLC (acting for Egg) since July. The application was done on-line in Oct 01 and a full agreement was sent out for me to sign and return (which I did).

 

In June 08 I did contact Egg as there was PPI on the card and was told "you ticked the box so tough - you have 6 months to appeal if you don't agree".

 

This was Pre-Cag and I knew no better - they sent me a letter confirming this and what was supposed to be a picture of a realtime application which supposedly proved that I asked for it.

 

Because of my other on-going battles with Egg I have CCA'd them and had my SAR stuff back.

 

I now have>>>>>>

 

(i) A copy of my signed agreement - this does not mention PPI anywhere!!!

(ii) All of my statements for the entire life of the card (and I have calculated all of the PPI that was taken).

 

I can see nothing on the agreement at all regarding the PPI. I do vaguely remember ticking the box (possibly) but if I recall correctly when you reached that part on the online application you could not read the terms and conditions as the page would time out meaning you had to restart the whole application again! So you had to tick one or the other to move on.

 

I'm pretty sure that there was nothing telling you that you could seek the PPI elsewhere etc. and my feeling is that I may have ticked it with a "sort it out later" view when the paperwork turns up. But i'm also just as sure that I never had any paperwork for the PPI element - it's certainly not mentioned in the signed agreement.

 

What should be the next move? Looking for a bit of guidance here as PPI was not an intended problem when I joined CAG so I haven't really got to grips with the do's and don'ts of it all.

 

MandM

 

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Hi MandM

Watching with interest, exactly the same as me, mine was 1999/2000 you are right that you probably like me filled in the online forms more than once as they timed out. To complete the action you had to rush through the application, I had the same reply last year when sending letter regarding ppi.

Letter says that must have ticked it as the box contained words that cover was for i.e sickness/unemployment (I was Self employed )

Have subbed to this.

Jim

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Hi MandM

Watching with interest, exactly the same as me, mine was 1999/2000 you are right that you probably like me filled in the online forms more than once as they timed out. To complete the action you had to rush through the application, I had the same reply last year when sending letter regarding ppi.

Letter says that must have ticked it as the box contained words that cover was for i.e sickness/unemployment (I was Self employed )

Have subbed to this.

Jim

 

Welcome Jim. If you were S/Emp I think you have a better chance than me as your PPI was worthless. Have you read Beachcombers thread?

 

Also, giving this thread a polite bump :)

 

M

 

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Hi MandM

 

Just read Beachcombers thread, makes it sound easy. I will have to look for a template letter to demand repayment of premiums. It does apply to credit card accounts aswell ?? My account is defaulted and in their dcas hands, would I get A cheque do you think (drinks all round). I can dream can't I.

The minimum payment on the card was paid by DD each month for all the time it was OK NEVER checked statements online as we used Dial up internet when the card was taken out, then with kids using the net and phone disabled when using never found right time, then went to Broadband and egg was never in my mind. It was probably 2006 when telephoned them to ask about doing bal transfer ( 0% anniversary bonus or something ) they asked me if I had any idea what my credit limit was, Yes says I about 3,500 OH NO says she it is more than 10,000 so I used it ( super balance transfer )

Jim

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Decided it was best to put this in a new thread in the PPI forum so as not to confuse the issue.

 

Have held back on this a bit as I have had other issues with Egg but thought that now might be a good time to crack it ('scuse the pun :))

 

I have (or should I say 'had') an Egg card (2001). Defaulted last year (amongst others) following a change in circumstances and have been paying a very small amount to DLC (acting for Egg) since July. The application was done on-line in Oct 01 and a full agreement was sent out for me to sign and return (which I did).

 

In June 08 I did contact Egg as there was PPI on the card and was told "you ticked the box so tough - you have 6 months to appeal if you don't agree".

 

This was Pre-Cag and I knew no better - they sent me a letter confirming this and what was supposed to be a picture of a realtime application which supposedly proved that I asked for it.

 

Because of my other on-going battles with Egg I have CCA'd them and had my SAR stuff back.

 

I now have>>>>>>

 

(i) A copy of my signed agreement - this does not mention PPI anywhere!!!

(ii) All of my statements for the entire life of the card (and I have calculated all of the PPI that was taken).

 

I can see nothing on the agreement at all regarding the PPI. I do vaguely remember ticking the box (possibly) but if I recall correctly when you reached that part on the online application you could not read the terms and conditions as the page would time out meaning you had to restart the whole application again! So you had to tick one or the other to move on.

 

I'm pretty sure that there was nothing telling you that you could seek the PPI elsewhere etc. and my feeling is that I may have ticked it with a "sort it out later" view when the paperwork turns up. But i'm also just as sure that I never had any paperwork for the PPI element - it's certainly not mentioned in the signed agreement.

 

What should be the next move? Looking for a bit of guidance here as PPI was not an intended problem when I joined CAG so I haven't really got to grips with the do's and don'ts of it all.

 

MandM

 

Just bumping. :)

 

M

 

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Decided it was best to put this in a new thread in the PPI forum so as not to confuse the issue.

 

Have held back on this a bit as I have had other issues with Egg but thought that now might be a good time to crack it ('scuse the pun :))

 

I have (or should I say 'had') an Egg card (2001). Defaulted last year (amongst others) following a change in circumstances and have been paying a very small amount to DLC (acting for Egg) since July. The application was done on-line in Oct 01 and a full agreement was sent out for me to sign and return (which I did).

 

In June 08 I did contact Egg as there was PPI on the card and was told "you ticked the box so tough - you have 6 months to appeal if you don't agree".

 

This was Pre-Cag and I knew no better - they sent me a letter confirming this and what was supposed to be a picture of a realtime application which supposedly proved that I asked for it.

 

Because of my other on-going battles with Egg I have CCA'd them and had my SAR stuff back.

 

I now have>>>>>>

 

(i) A copy of my signed agreement - this does not mention PPI anywhere!!!

(ii) All of my statements for the entire life of the card (and I have calculated all of the PPI that was taken).

 

I can see nothing on the agreement at all regarding the PPI. I do vaguely remember ticking the box (possibly) but if I recall correctly when you reached that part on the online application you could not read the terms and conditions as the page would time out meaning you had to restart the whole application again! So you had to tick one or the other to move on.

 

I'm pretty sure that there was nothing telling you that you could seek the PPI elsewhere etc. and my feeling is that I may have ticked it with a "sort it out later" view when the paperwork turns up. But i'm also just as sure that I never had any paperwork for the PPI element - it's certainly not mentioned in the signed agreement.

 

What should be the next move? Looking for a bit of guidance here as PPI was not an intended problem when I joined CAG so I haven't really got to grips with the do's and don'ts of it all.

 

MandM

 

Bump.

 

Cannot seem to find enough info relating to card PPI.

 

M

 

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Decided it was best to put this in a new thread in the PPI forum so as not to confuse the issue.

 

Have held back on this a bit as I have had other issues with Egg but thought that now might be a good time to crack it ('scuse the pun :))

 

I have (or should I say 'had') an Egg card (2001). Defaulted last year (amongst others) following a change in circumstances and have been paying a very small amount to DLC (acting for Egg) since July. The application was done on-line in Oct 01 and a full agreement was sent out for me to sign and return (which I did).

 

In June 08 I did contact Egg as there was PPI on the card and was told "you ticked the box so tough - you have 6 months to appeal if you don't agree".

 

This was Pre-Cag and I knew no better - they sent me a letter confirming this and what was supposed to be a picture of a realtime application which supposedly proved that I asked for it.

 

Because of my other on-going battles with Egg I have CCA'd them and had my SAR stuff back.

 

I now have>>>>>>

 

(i) A copy of my signed agreement - this does not mention PPI anywhere!!!

(ii) All of my statements for the entire life of the card (and I have calculated all of the PPI that was taken).

 

I can see nothing on the agreement at all regarding the PPI. I do vaguely remember ticking the box (possibly) but if I recall correctly when you reached that part on the online application you could not read the terms and conditions as the page would time out meaning you had to restart the whole application again! So you had to tick one or the other to move on.

 

I'm pretty sure that there was nothing telling you that you could seek the PPI elsewhere etc. and my feeling is that I may have ticked it with a "sort it out later" view when the paperwork turns up. But i'm also just as sure that I never had any paperwork for the PPI element - it's certainly not mentioned in the signed agreement.

 

What should be the next move? Looking for a bit of guidance here as PPI was not an intended problem when I joined CAG so I haven't really got to grips with the do's and don'ts of it all.

 

MandM

 

If they cannot produce the CCA showing you had agreed to the PPI then that is their problem. It is not up to you to prove it was mis-sold it is up to Egg to prove it was not and the lack of a CCA and probably a customer demands and needs questionaire would IMO show they are holding back with information. If you have not received all you asked for in your Subject Access Request then you can write back and ask them for this information.

You can be specific with what data you request although the Subject Access Request is really asking for everything. The Statutory fee is £10.00 Postal Order is fine but keep the details of the number for future reference. The post office will be able to confirm when it was encashed (just call 01246 542091 they will even send written confirmation if you request it) Send all correspondence by at least recorded to be signed for so you can track delivery through Royal Mail

 

You should request the following documents:

 

A true copy of your Consumer Credit Agreement with the Terms and Conditions that were applicable at the time you took the loan/card/mortgage.

 

A ‘demands and needs’ questionnaire.

 

Copies of all statements applicable to the loan/card/mortgage.

 

Copies of all correspondence that apply to you as a data subject ie letters, emails, faxes etc.

 

Copies of all recorded telephone calls or transcripts of the recordings.

 

Copies of any notes made by bank/loan company staff in their dealings with you as a data subject.

 

Do not be fobbed off by them citing issues such as relevant filing systems.

 

If they have any records/data on you as a data subject and it is held under your name, address, post code, account number/s or any other system where the data is identifiable to you then it is a relevant filing system. Even if it is a specific serial number on microfiche records and the serial number is applicable to you.

 

You can adjust this to fit with a letter stating the exact information you are missing and tell them to provide it as you have paid the relevant £10 fee.

 

If they then do not comply you can submit a complaint to the Information Commissioners Office ...Link to the complaint form is here...

 

Complaints - Information Commissioners Office

 

If you have not looked in detail at the stickies at the top of this forum I would advise you spend some time and do some investigating.

 

All new posters this is **important**

 

BANKS are giving incorrect advice on PPI

 

Mis-sold PPI? Want your money back? use these links to help

 

there is much more on this site you just have to spend time and look. At then end of the day it will be worth your while :D

 

aa

  • Haha 1

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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  • 2 weeks later...
  • 3 months later...

Update :- PPI is now with the FOS. As for the credit card balance, I was with DLC. Stopped paying them and any conversations were short and sweet (along the lines of "go do one").

 

Now ARC have the account. Had a few letters - usual threats. Had one conversation last week where I answered the phone (mobile - my mistake) and told the lady that it was now with the FOS and in light of the issues with the agreement coupled with my complaint to the FOS I was paying no more (DLC were only getting a token payment previously anyway).

 

Now had 2 letters from Trevor Munn threatening legal action - both of which i've ignored. I feel inclined to reply to TM and invite them to take me to court - see what happens.

 

M

 

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More whinging calls from ARC. For info they now use a mobile number 07854 149150

 

M

 

OK, I hear it!

 

But use a template letter from her and tell them that they cannot call. They have to write.

 

That way they cannot call you, if they do, record it and send to the authorities.

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  • 3 months later...

Hi Mrs M here.

 

Mr M is at work but wanted to get this up as soon as. Had a reply from the FOS after 5 months.

 

 

003-6.jpg

 

Have left out the last page as did not want to give the name of the adjudicator. Not much on it.

 

Not sure where they are going with this as we informed them in the complaint form that Egg refused the complaint in 2008. So they have wasted 5 months to tell us something they obviously knew from the form.

 

Any comments or advice would be appreciated.

 

Mrs M

 

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Hi.

Decided to look again at the letter sent from egg in 2008 and I noticed that the letter does not contain the words Final Response.

 

Had a look on the FOS website and found a newsletter dated 2001 which clearly states what a Final Response letter should contain.

 

001-11.jpg

 

Have sent an email to the Adjudicator handling my case and informed her that I do not agree with her finding and enclosed the article in their Newsletter.

 

Will let you know the outcome.

 

MandM

 

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