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    • 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
    • Indeed, it’s all up to date at the moment and no missed payments and no issues from a credit file perspective everything is up to date in that sense 
    • follow it thru, plenty of time to poss arrange a tomlin or consent later on. ............   pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’. Choose ‘Create sign in details’ to register for the first time. You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID. You should make a note of your memorable word, or password as these are not included in the email.  then log in to the bulk court Website https://www.consumeractiongroup.co.uk/topic/466952-lowelloverdales-claimform-old-cap1-debt/?do=findComment&comment=5260464 .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .. get a CCA Request running to the claimant . https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . .use our other CPR letter if the claim is for an OD or Telecom Debt or Util debt]  https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ on BOTH type your name ONLY Do Not sign anything .do not ever use or give an email . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] .............. dx
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Me & my partner v. Natwest


MichelleMaurice
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Tis a bit addictive this place isn't it? Lol...... spend more time on here than I do anywhere else!!!! Oo er....... soz for thread hijack michelle....... my fault!!! Was just admiring Deller's speed!!!!!! xx :p

Can't find what you're looking for? Please have a look at Michael Browne's

A-Z Guide

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I do not answer queries via PM. If you send me a PM, please include a link to your thread - any advice I am able to offer will be on your thread.

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Lol.... nice one Michelle!!!!!! Nat West? Speedy? Think they need a few tips from Deller before they buck their ideas up!!!!!! xxx :p

Can't find what you're looking for? Please have a look at Michael Browne's

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*** PLEASE NOTE ***

I do not answer queries via PM. If you send me a PM, please include a link to your thread - any advice I am able to offer will be on your thread.

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Tis a bit addictive this place isn't it? Lol...... spend more time on here than I do anywhere else!!!! Oo er....... soz for thread hijack michelle....... my fault!!! Was just admiring Deller's speed!!!!!! xx :p

 

Cant remember what life outside this site is like anymore....lol

 

No fair play to the lot of you! Thanks Deller - that's unbelievably helpful!

 

Also, I can't believe how quick you all are in responding! If only Natwest were this quick!

 

Think we've all noticed by now that Nat West are hardly sprinters, hang in there though Michelle cos the outcome is always the same.....those spondoolies will be yours!!

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Hi again,

 

Okay - all is filed with MCOL. I've looked at the timescales - it says that my claim deemed served 5 days after filing (27th April roughly) - The bank will have 14 days from the deemed date of service to acknowledge (11 May) - The bank will then have an additional 14 days in which to file a defence - (25 May) - I'm away out of the country (ironically) between 11-26th May. Will I be required to do anything during this time? What happens with this? Or is this all down to the banks to do the work? I'm not even here to accept an offer...

 

Also, it says that once the bank has filed a defence, your claim will be transferred to your local court who will send you a copy of their defence and an Allocation Questionnaire which you fill in and return within 14 days - what happens if this happens whilst I am away? Am I at any risk of this being sabotaged?

 

Am I over thinking this? Help!

Michelle

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It's just a waiting game now, there will be nothing you need to do until they actually file their defence and rest assured it will be right at the last minute as usual.

 

In regards to the AQ

 

See here:

 

Allocation Questionnaires - A guide to completion

 

You could also propose a Draft Directions Order:

New strategy for Allocation Questionaires

 

Other Information - Section G:

 

I am respectfully requesting that my claim be allocated to the small claims track.

 

This issue is not a complicated one; it is an issue of fact and not of law. The issue is only whether the money levied by the Defendant in respect of its customer’s contractual breaches exceed their actual costs incurred. I am happy to pay their actual costs and I am surprised the Defendant did not counterclaim for these, because I would have paid them without argument.

 

However, the continuing problem is, (in common with the 100s of other cases currently being brought by other bank customers), that the banks refuse to reveal the details of their penalty-charging regime. As the banks have a fiduciary duty towards their customers, they have a duty to deal straightforwardly and in utmost good faith.

 

Accordingly, I would respectfully ask that the court in this case, not withstanding allocation to the small claims track, order standard disclosure. I understand that it is in the courts discretion to do so. This would bring a rapid end, not only to this litigation, but would also likely bring an end to much of the litigation in progress against other high-street banks.

 

 

It's a bit of squeeze, but very important you enter all the details.

 

You will get 14 days to return this so it shouldn't clash with your time away.

 

Include copy of schedule

 

Cheque to HM Courts Service

 

Fee will be added automatically to your claim

 

Hope this helps!!

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Just to add to that, now that you've filed your claim through MCOL you will need to send your schedule and ask for it to be attached to your claim.

 

Send 2 copies of your schedule of charges, clearly marked with your claim no. + a brief covering letter asking for them to be filed with your claim to:

 

The Court Manager,

Money Claim Online

Northampton County Court

21-27 St. Katharine's Street

Northampton

NN1 2LH

 

Dear Sir/Madam

 

(Your Name) –v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

 

Please find enclosed a schedule of penalty charges taken from me by the defendant, along with interest claimed at the annual rate of 8% pursuant to section 69 of the County Court Act. The interest in addition to the amount in charges equates to the total amount of my claim, namely £(AMOUNT).

 

I respectfully request that the enclosed schedule should be attached to the particulars of my claim.

Yours sincerely,

 

 

Wait until you receive the Notice of Acknowledgement (not the Notice of Issue) from the court and then send a copy to the bank’s solicitors, since they are the ones who will now be dealing with your claim

 

Dear Sir,

 

(Your Name) -v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

 

Please find enclosed a copy of my schedule of charges relating to the above claim.

 

Yours sincerely,

  • Haha 1

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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hello i have tried on my thread but none answer can someone just tell me please wich adress i have to send the letter requesting my ccharges or statements from natwest ? i have the letter template but dont know the adress to where sentd the letter please help me thank you.

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I've replied on your thread manecas!!!

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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  • 1 month later...

Hello again,

 

Just wanted to write to make sure this is what was supposed to happen - we got to the court stage and filed for our charges to be refunded. Natwest have now written us and refunded in full but accepting no liability. Is this the refund that I have been looking to achieve or should the court have refunded it for me? I'm quite happy to take this full refund? I'm just thinking about the onus of responsibility...

 

Michelle

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You don't need the court to refund it. If Nat West have refunded - great - that is what you wanted.

 

Now, if they have refunded EVRYTHING - all you asked for, including any interest, court costs and s69 interest (if you claimed it) AND the money is actually in your hand or in your bank account THEN you should write to the court and tell them the case is settled BUT only if all the above conditions are met.

 

THe responsibility bit is not really relevant. Nat West are basically saying they still don't agree that the charges are unlawful but they are payingyou anyway. Their rational for this is that just paying up is cheaper than going to court. It doesn't seem to have sunk in yet that the cheapest way of all is to pay up straight away!

 

Steven

 

 

 

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Just one word-I assume that Nat West have only refunded the charges and not the interest or court costs?

 

If you accept this then be prepared for them to insist that your Court claim is cancelled before they pay you out.I argued with them that I wanted top keep the case open until I had the money in my accouint but they were insistent that they would only pay me once the case was stopped.

 

Catch 22.

 

So in the end, against my better judgement and advice from CAG, I had to cancel the case.

PPMAN159

 

If this comment has helped please click on the scales.

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  • 1 month later...

Hello,

 

I've reclaimed my partner's charges on our joint bank account already - this month, Natwest charged us again. My partner got paid on the Thursday and the D/D's were going out Monday. He online transferred from one Natwest account to another and because the money arrived on the Monday and the money was going out the same day, Natwest classed that as the money not being there and charged us £114 for bouncing 3 direct debits rather than paying any of them. I am infuriated. :mad: There was sufficient funds to pay the direct debits! The money was transferred from one natwest account to another!! Why did it take 3 days to pay it in???

 

I went into the bank on Saturday and paid in cash and that money didn't clear until the Monday! Where was that money?

 

Who's collecting interest on our money when its "inbetween" accounts as in the 3 days to electronically transfer the money or when my CASH takes a Saturday/ Sunday and Monday morning to clear into my account??? :confused: Cash!!! :mad: Surely this is a bit dodgy of them?

 

So how would Natwest take it if I tried to reclaim these charges again? :( What's the feeling here? Is it true that they shut you down? Not that I will mind - I'm fed up with banks and am going to switch to a building society.

 

Please help!

Michelle

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So how would Natwest take it if I tried to reclaim these charges again?
Who cares? Do it!
What's the feeling here? Is it true that they shut you down?
THere have been cases but NatWest don't seem to. In any case, some banks have had their knuckles rapped by the FSA for doing it.

 

 

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  • 5 weeks later...

Hi everyone,

 

Can you please help? My partner has been reclaiming his bank charges and we got the following letter today from RBS stating that they have referred his complaint about bank charges for determination in Court citing that they believe that the charges are reasonable, fair and transparent. They went on to say that they will be applying to the Court for an order to stay the claim until resolution of the Bank's proceedings with the OFT. This means that the claim may be put on hold until the result of the proceedings are known. As I understand, proceedings are not commencing until next year with an end date much further into the future.

 

Has this happened to anyone else? Is there anything we can do but wait?

 

Michelle

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Has this happened to anyone else? Is there anything we can do but wait?
Hi michelle

 

This has happened to virtually everyone else. The fact that RBS are applying for a stay doesn't mean they'll get it. So press on for the time being.

 

 

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