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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   
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Moderator or helper??


linz2011
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Hi Linz2011

 

Yes you can, however, there is nothing to stop the bank using the money to pay off any deby you have with them.

for FAQs & Step By Step

click here

for Templates Library

click here

for Court Bundle

click here

________________

 

WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

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Hi has anyone ascertained how we can get information if we do not have an account number? I have a number of account pre 2000 that i would like to tackle but no idea how to start - equifax have the last four digits of the accounts but that is all??

 

Any help..................

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Hi has anyone ascertained how we can get information if we do not have an account number? I have a number of account pre 2000 that i would like to tackle but no idea how to start - equifax have the last four digits of the accounts but that is all??

 

Any help..................

 

I had the same problem so i wrote to the bank i question and they said the could not post me the details. I had to take my passport and a household bill to the local branch as I.D they phoned head office and got it that way.

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It matters not if you don't have the account number. A DPA request is on the individual - a bank MUST disclose all information they hold on you regardless of whether you supply them with an account number. Likelihood is they will ask for account numbers, but name address dob etc should be sufficient.

 

Either that or the link that noomil has given you looks interesting.

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Hi all

 

I think this site is fantastic and a real credit to everyone involved. I am currently working my way through 17 accounts for charges and it is going really well (no success yet but early days), without the step by step guide and help from the others I think I along with others would never have started this - which leads me to my next comment........

 

I have read threads and threads on here about issues relating to CCA's and unless I am missing something would it not be a good idea to set up a step by step guide for this (or is it not that simple) - it does appear very complex and confusing but I am sure some very knowledgable person could assist with this.

 

Just a thought - tell me to shut up if you want????

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Thanks very much for your comments. As you will probably be aware, this site has grown dramatically over the last twelve months, and at the same time we are having to deal with new tactics from the banks.

 

Clearly this puts a strain on developing other parts of the forum, but we are trying to do that as we are can.

 

The issue you have raised is being discussed, and hopefully we will be able to strengthen this area very soon. However, as you will appreciate, it is important that when we do post any step-by-step guide relating to CCA's it will need to have been fully checked out with our legal advisers, and take into account the new legislation.

 

Please rest assured though, it is being worked on.

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  • 4 weeks later...

Hi

 

I am taking on the world at the minute just about every bank owes me something - no success as yet but early days.

 

However, what i have found is that i am just getting letter after letter apologising for the delay and promising timescales - do I carry on regardless or honour their request for extra time?

 

thanks

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I thought I would start this thread so you can post

 

Which bank

 

how much

 

which stage did they pay

 

did they close your account

 

get posting guys !!!!!

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Hi

 

I realise no bank as yet been to court to defend and have paid prior to the hearing - however if they did attend would they win? what would their defence be? do they have to show that it actually costs £30 to bounce a direct debit etc.

 

thanks:smile: :)

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Guest louis wu

In a nutshell, they cannot make a profit from their 'charges'. So yes, they would have to prove it actully costs them the amount they charge us, the customer. Considering there is growing evidence to suggest the actual cost of these charges is minimal, they would be foolish to defend on these grounds

 

Louis

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  • 3 weeks later...

Hi

 

What is this and when do you claim it - i thought you just claimed your charges back and then added stat interest if it went to court stage??

 

thanks

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  • 2 months later...

If you have successfully reclaimed charges applied to a credit card - can you then go down the CCA route?

 

My argument would be surely by taking the money back you are admitting you have a debt?

 

What do you think? x

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Did you send anything to Moorcroft after they defaulted, or report them to TS? If not you can report them now for passing the account on to another DCA whilst in default of your request. Regarding the new DCA either CCA them as well or write and point out that the account should not have been passed on to them whilst it was in default of a CCA request so they should pass it back to Moorcroft. Do the new ones reckon they have bought the account or are they "acting on behalf of" Moorcroft.

Good luck

ali x

Btw I am no expert just give notes based on what I have read on here and other forums/sites, plus my own experiences and investigations.

 

All ccj's now dropped off file, 2 yrs to go to clear file.

All old debts either settled or made unenforcable.

 

RBS MPP-Full offer at 8 wks from first complaint

RBS Overdraft loanguard-full offer at 8 wks from complaint

Citicard ppi-with FOS finally paid 8 months after offer through FOS!

Capital one x2- with FOS

Monument ppi-with FOS

aqua x2 ppi-partialled settled still pushing for the rest

Black horse ppi-offers made and accepted except for one early loan they say no info held-still pushing for payment

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thanks for that I will do - I did not report Moorcroft - was not sure what to do once they were in default but considered I had a result with them not responding

 

Thanks again x

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Sequenci, I know it only costs £1 to CCA the new DCA, but why should it be

necessary? After all, there is only one original agreement-which Moorcroft don't appear to have and it would seem the original creditor doesn't either.

 

Moorcroft have already committed a summary offence so passing on the debt

under these circumstances is a breach of the Act.

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Sequenci, I know it only costs £1 to CCA the new DCA, but why should it be

necessary? After all, there is only one original agreement-which Moorcroft don't appear to have and it would seem the original creditor doesn't either.

 

Moorcroft have already committed a summary offence so passing on the debt

under these circumstances is a breach of the Act.

 

I shouldn't be necessary at all, however, the new DCA is likely to persist with collections activity regardless, at least a CCA to them should halt actions. Currently, the methods employed by DCAs in the UK is horrific, however, there are some cases due in court over the next few months which should hopefully start showing them that they need to change their methods.

 

With regards to the offence commited by Moorcroft, it's unlikely anything would be done about that, as usual.

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