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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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Welcome secured loans/charge - sold to Alpha/Prime -repo received - ***Claim Dismissed***


cruzhughes

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tough luck on them then..

its only the judge that can force you to pay..and IMHO the whole debacle has not been addressed.

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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DX - are you including charges applied to previous loans that are not part of the current chain? I mean, anything pre-February 2006? This being the date that one loan was settled, then a break of eight months was had before a brand new loan was taken out, and subsequently culminated in becoming the first link of the chain that the current agreement.

 

The charges and interest from the October 2006 loan onwards wouldn't amount to the full balance. You most likely know all Cruz's loans better than me, so I'd like to hear your views.

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have you still that google drive link?

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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it was settled via a re-write with welcome.

 

more soon

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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sadly i'd lost the train of this..

no ..no link in a chain.

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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Loan 1 11/10/2001 For £7369.39 which had £1473.22 PPI and £130.00 Medicare added to it

 

Loan 2 rewrite on 10/06/2003 for £9809.68 and £1804.68 PPI.

 

Loan 3 rewrite on 31/03/2005 for £11423.67 and £1108.79 MIF. 17.80%@ £171.92 x 120 months

 

Loan 4 rewrite On 14/07/2005 for £13886.71 and £1352.87 MIF. 27% @ £272.06 x 120 months

 

Loan 5 rewrite on 29/12/2005 for £14792.00 and £1442.59 MIF 16.8% @ £189.11 x 180 months fully paid off in Feb 2006

 

New Loan no 6 taken out on 31/10/2006 for £8019.62 which had £1485.75 PPI, £180 life-care and £125 homecare with £2768.59 interest added to it.

26.5% @ £170.25 x 120 months

 

Loan 7 rewrite on 03/04/2007 for £14602.15 which had £2425.15 PPI and £175 personal accident plan with £3339.03 interest added.

22% @ £277.95 x 120 months

 

Loan 8 rewrite on 05/10/2007 for £26741.20 which had £4506.20 PPI and £10342.54 in interest added to it.

22% @£489.53 x 120 months

 

Loan 9 rewrite on 30/08/2008 for £30514.32 8.2% @ x £231.49 x 300 months. This is still running

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I think the other chain that was mentioned before was that they didn’t provide that linking loan in court which was

 

Loan no 7.

 

They provided info on loans 6, loan 8 and 9.

But they didn’t provide 7 for some strange reason in all their exhibits. Seems a bit bizzare especially as they tried to show an application for further advance but missed the linking one 6 into 7, 7 to 8 then 8 into 9!

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Who knows what their reasoning was, but I recall the charges that were applied to that particular loan being the worst of all.

Maybe that was the reason for them excluding it, or maybe it was just an oversight.

It's not relevant now anyway.

 

As I see it, let's just agree which charges and fees can be legitimately offset against this balance, then hit them with the revised balance and tell them they'll not be receiving a Penny more.

 

Furthermore, tell them that as they've chosen to ignore your constant complaints on this specific matter, that you have no other option but to advise them of your position and that they are welcome (pardon the pun) to, finally, engage with you on the matter.

 

The side issue is the monthly repayment amount. I'd like Andy's view on this.

 

DX - do you have a view on what Cruz should be paying each month, assuming there is a balance after fees and interest have been removed?

Edited by dx100uk
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I think it was Loan no 8 the fees and interest were the worse.

 

Sorry...I mean in terms of the size of them and number relative to the short term. I recall it only lasted a few months before the next rewrite, but they blasted you with charges in that time. The cumulative total of charges on other loans were probably higher, yes.

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  • 2 weeks later...

Dx in middle of composing a letter with shams help.

 

The basis of the letter is deducting all fees but what we need to be sure of is wether I start from first loan in 2003 right the way through 8 loans. Or start at Oct 2006 onwards to last loan 2008 (4 loans) as there was a break of 6 months without a direct rewrite from Feb 2006 to Oct 2006.

 

As you can imagine There is quite a bit of difference between putting all the loans in. But I can’t go after welcome for the 1st 4 pre 2006. Due to the scheme. But as you know from your calculations there is sums outstanding there.

 

We are working out the balance and need to get this correct. As I don’t want to be in **** if it goes back to court. However I understand it’s prime who would have the prove the link/ no link.

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Check in later

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

working on getting lots of newer email stuff over to the google drive

i'll get there.

 

might give us a better idea when done..

 

in all the stuff.. is there clear proof the last loan before the gap and this chain resulting in this litigated loan number WAS paid off by was it a mortgage or something...??

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

:thumb::thumb:

 

clear break then

thought id not lost the plot that much.

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... 

Link to post
Share on other sites

On all the ones before 2006 a new legal charge was applied each loan with the previous ones being removed . The land reg doc new charges were Changed to date of charge being exactly the same as dates of newer rewrite

 

But from Oct 2006 charge applied on that date but the further loans/charges were not amended date wise on Lr. So in 2007 2006 Charge should have come off and registered charge should then have been April 2007 then Oct 2007 then Aug 2008

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think that tallies with the changes around that time

and I think andyorch has previously related to this if not here elsewhere.

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... 

Link to post
Share on other sites

I know that too. But just seems strange welcome didn’t do what they done on the last 4 that they consistently done on the first lot.

 

last loan legal charge was not witnessed and not signed in the presence of anyone it was left blank. Plus the signature on that one is well dodgy

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Fun and games with these again. I’ve recieved 2 arrears letter 10 days apart.... so that means I’m 2 monthly payments of 231.49 in arrears in less than 2 weeks.

 

Loan agreement states money is due a month after agreement date and every month after that. Agreement date is 28th of the month. So I’m presuming they were closed for 2 weeks over Xmas hence the date 4th of jan instead of 28th of Dec.

 

But how on earth can there be another month of arrears on 13th jan? When payment not due till 28th jan? I can count shame this muppets can’t..

 

Plus on the back of their letter they list their fees which are £51.60. But there’s £61.60 on these arrrears statment so extra £10 a time going on there 😂💦

 

Even in court the last judge said I’m paid up to July 2019 on 231

 

Prime are saying

Nov arrears 74.83

Dec arrears 231.49

Jan arrears 231.49

 

Total arrears £599.41

Prime 4 +13th Jan .pdf

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