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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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Lowell claim form - old cat debt***Claim Dismissed***


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No just your Witness statement .....CCA/CPR requests and responses and any exhibits referred to in your Witness statement......file with court and send a copy to the claimants solicitor...job done.

We could do with some help from you.

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I got it all done and sent

. It was done yesterday but had printer problems the day before.

I emailed it to both the court and bw legal and also posted a copy to arrive today.

The court said that Was fine when I spoke to them.

 

They haven't sent anything though at all, so what happens now?

Could they be late with it?

What happens if they send nothing?

 

Also if they cancel it will my default be removed? I genuinely don't owe this money..

 

Thanks so much for all your help so far

 

Ok, scrap that last comment. Ive just received their witness statement which is requesting that my defence be struck out.

 

What do I do now?

Have I lost or is there still something to fight?

 

They have listed my account with everything I did order, and then some more stuff listed after I'd cleared the account.

 

I genuinely cannot remember ordering anything and furthermore believed the account to be closed.

But they have it listed on their thing so i wont be able to argue that will I?

 

The thing is if they'd supplied this statement when I asked them to last year id have just paid it, and now I have all the court fees to be added too.

Is there anything I can do?

Please help

 

I'm just looking theyve supplied a witness statement which is huge,

i thought my 16 points were too many but they have 47.

They've numbered their statement of truth and I haven't though, will that go against me too?

 

Theyve spent most of that proving i had an account, which i openly admitted to anyway.

Theyve supplied a full copy of the agreement.

 

Then theyve said I had a remaining £233 owing due to goods and an account overview thing which gives an over view of total amount of goods ordered and total amounts of payments.

 

Then it lists the payments made and actual goods ordered.

R After the last payment made the goods total theyve listed is for £298, not the £233 they say I owe.

 

Theyve not supplied the default notice or default warning letter, or a copy of the letter where theyve written to me to tell me theyve taken over the account or anything like that, just the agreement and the overview with the list of goods which doesn't match up price wise.

 

Actually id read the dates wrong, the amount of the goods ordered is £149 since my statement which proved that the balance was clear, but they're saying the total is £233

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Usual gumph then they sent if you go read other cat claim form threads

Loads of stuff that might indicate you had an account

But not the stuff they really need to produce to prove their claim

I.e the default notice

2 cases in the last week whereby fleecers lost due to its lacking

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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Or this forum

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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I'm really struggling to find the threads where the cases have been thrown out, are they on this bit of the forum?

 

What do I need to do now?

I've seen people mention submitting an extra defence, so I need to do this?

 

And skeleton arguments, are they to be submitted or are they just notes for me to use in court?

 

Lowell have put that they want the case dismissing and awarding to them,

and a couple of times they say that my argument is vague and one point says

 

The lack of any substance or supporting evidence to the defence limits the Claimant to the response they are able to file

 

Was .y witness statement and evidence not good enough?

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Lowell request that everyone's defence is struck out on the claims that they actually manage to submit a witness statement for ...so dont take it personally :wink:

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Prepare for the hearing...read threads...research .....and read more...knowledge is power.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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I've been reading loads, all the threads i can..

do I have to hand in any more?

 

 

I've seen mention of a supplemental witness statement and a skeleton argument, do I need those in my case?

 

And can anyone tell me what actually happens in court?

 

 

I think it's the not knowing what to expect that scares me most.

 

 

Ive not read any posts where peo0le say it how it happened,

just that it did if that makes sense..

 

That and being up against a solicitor who's experienced this loads and knows all the laws off the top of their head.

I think theyll try and wrap me up in knots..

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No ..nothing further to submit....supplemental witness statements are submitted if you see something in the claimants statement that you only received late or last min after submitting yours and you wish to challenge and counter.

 

Skeleton arguments can be drafted nearer the trial date.

 

Well here is thread from this week which you have not read.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?441145-HPH2-claimform-old-HSBC-OD-prob-SB-d***Claim-Dismissed***/page8

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Thank you for that I hadn't read the last bit and that's really useful.

 

I've read about them asking for a private chat at first,

and that they do it to try to get you to admit you owe it.

 

 

Mine isn't statute barred,

am I still ok to say no to speaking to them?

I don't want the judge to think I'm being unreasonable

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Nothing to stop you listening...you dont need to respond...you may get a heads up on what they will rely on or arguing as their main line of claim.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Can I check as well,

they sent me a screenshot of their account for me with shop direct which has the basic details.

 

They haven't sent me a default notice or letter threatening or warning of a default notice.

 

Is this a valid argument in court?

It's one of the two things I'll be relying on

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Technically yes they should follow the correct process as laid out in the CCA1974...whether a DJ sees it that way is another matter.....but the issuance of a default notice is important and a prerequisite to issuing a court claim

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Can I check as well,

they sent me a screenshot of their account for me with shop direct which has the basic details.

 

 

They haven't sent me a default notice or letter threatening or warning of a default notice.

 

 

Is this a valid argument in court?

It's one of the two things I'll be relying on

 

Is there any chance at all that you could post up a copy of their witness statement.....remove any personal or identifiable details first.

 

Sham

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Yeah I can post it up but it'll be morning before I get chance to go on the scanner. Im not sure how to redact my personal information from a pdf though.

It won't harm me if they see ive posted it on here will it?

 

Technically yes they should follow the correct process as laid out in the CCA1974...whether a DJ sees it that way is another matter.....but the issuance of a default notice is important and a prerequisite to issuing a court claim

 

We'll thats one part of my defence as i see it now, i thi k my defence is

 

1 that they've never sent a default notice, warning letter for a default or notice of Assignment to me. Ive never received any and theyve not included any with their witness statement either

 

2 they didn't respond to my cra letters or 31.14 requests.

 

3. The itemised statement amounts don't add up at all. The amount they say I owed is 85 more than the itemised statement showed i owed. I have proof that it was at 0 just before these random extra items were added. Theyve added their 100 fees on top of that.

 

 

As they've added their extra fees will they go for additional costs as well as that in court?

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follow the upload guide

scan to JPG

redact in MSPAINT

then convert all the pix to ONE PDF

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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Yeah I can post it up but it'll be morning before I get chance to go on the scanner. Im not sure how to redact my personal information from a pdf though.

It won't harm me if they see ive posted it on here will it?

 

You have nothing to worry about. They're too busy filing speculative claims to be fishing about on here. Just make sure to remove your details, any reference numbers, etc.

 

We'll thats one part of my defence as i see it now, i thi k my defence is

 

1 that they've never sent a default notice, warning letter for a default or notice of Assignment to me. Ive never received any and theyve not included any with their witness statement either

 

2 they didn't respond to my cra letters or 31.14 requests.

 

3. The itemised statement amounts don't add up at all. The amount they say I owed is 85 more than the itemised statement showed i owed. I have proof that it was at 0 just before these random extra items were added. Theyve added their 100 fees on top of that.

 

Save these points for the hearing and outline them in a concise skeleton argument.

 

 

As they've added their extra fees will they go for additional costs as well as that in court?

 

No, they can't add anything further in Small Claims Track - except maybe if they went for Summary Judgement and your behaviour was deemed by the judge to unreasonable in some way. That won't apply here though.

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Sorry its taken so long, I was getting so wound up about the whole court thing that I sort of tried to not to think about it for a few days.

 

I've uploaded the witness statement as suggested, but I've not included all of the credit agreement as it was pages and pages long and just the usual stuff.

 

Court on Thursday now, any help would be massively appreciated :!:

lowell WS.pdf

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Conveniently nothing mentioned with regards to the OC issuing a default Notice :wink:

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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says lowells have it in their document store as a PDF mind?

page 10.

strange they printed out everything else on that list and not the DN???

 

 

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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says lowells have it in their document store as a PDF mind?

page 10.

strange they printed out everything else on that list and not the DN???

 

dx

 

 

I noticed that too. Ive never received one though and lowell haven't printed one either at my cca requests before or with this stuff. Nor like Andy said have they mentioned it. Will that go against me?

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no totally the otherway....

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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