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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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CCA's and Dave against the world !!!


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Thanks for all the good wishes guys.....Its not that bad ....yet, and i'm working on it. If I had Help48xxx's problems, I dont know what I'd be like.

 

onward and upward

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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Just to keep me occupied, time now to turn the screws on Morgan stanley / goldfish......

 

its been a while since I refused their offer of £800 (for charges) they wanted me to sign a confidentiallity clause and not to be mean to them EVER again.

 

Well I wasnt having that, so I refused. I did say that I would accept the £800 if they sent it with no conditions attached, and as Dianna Ross sang " I'm Still waiting".

 

So I dont have too much to do tomorrow, might just get up to the courts and file.

 

I need to get this out of the way then I can badger them for the big one....the return of interest wrongly paid and compound on that

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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Thanks for all the good wishes guys.....Its not that bad ....yet, and i'm working on it. If I had Help48xxx's problems, I dont know what I'd be like.

 

onward and upward

 

Dave

 

 

HANG ON ....... you have stolen my Onwards and Upwards !!!

Court Action may be taken unless you send me three billion quid by tomorrow

Legally Binding even if not read by you.

 

:lol:

 

Onwards and Upwards

 

Chalkitup

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Sorry chalky....

 

but no copyright infringement exists....I used the phrase onward and upward......no plurals.

 

If however you you wish to try your luck could you please forward any copyright registrations and any patent registrations to me

 

:):D:)

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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Sorry chalky....

 

but no copyright infringement exists....I used the phrase onward and upward......no plurals.

 

If however you you wish to try your luck could you please forward any copyright registrations and any patent registrations to me

 

:):D:)

 

Dave

 

Paperwork??? What is that???

I have assigned your debt of three billion quid to a nasty company. They will be in touch soon to harrass and threaten you with legal proceedings.

Failing that our local collector will call on you.

 

:D:lol:

 

Onwards and Upwards

 

Chalkitup

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in that case....i'll treat you with the same respect as I show all those that threaten me....batten down the hatches........whooooosh (s.a.m. being fired) followed by sh*tload of flak.

 

any callers Will be dealt with (severely) there are more guns per capita in merseyside than almost anywhere else !! (ouch...think I'll move)

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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hi

 

i have sent for cca's on several of my accounts.....can anyone actually tell me if they have had a debt written off or if they have gone to court and won?

also has anyone had success with an egg card which was applied for over the internet and if so how they handled it.

 

many thanks

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Goldfish have sent, in response to my cca request, the original application form and todays t & c's. How should I respond anyone??

 

Does the "Application form" contain the prescribed terms ?

 

If not send them a letter and say that they havent complied with S78 in that the T&C supplied were not the original ones. Without the original ones they cannot say for certain if they had the right to vary them or to charge interest

 

They will write some BullS**t back saying they have complied and mention S7 of the copies of documents regulations. This is quite easy to counter.

 

you are on step 2 of about 12....... go through the motions, tell them they havent complied. in the meantime I'll look up some regs and a letter for you.

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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hi

 

i have sent for cca's on several of my accounts.....can anyone actually tell me if they have had a debt written off or if they have gone to court and won?

also has anyone had success with an egg card which was applied for over the internet and if so how they handled it.

 

many thanks

 

If you read back a page or so........barclays have just offered to write off £3.5k which I of course refused :)

 

there are quite a few egg threads and I would suggest you try to find one, and ask your questions there, as egg tend to be a law unto themselves

 

try typing egg into the search box and see what comes up

 

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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Guest dvdriley

sorry forgot to add, no mention of any credit limit. Its basically a pre approved application, sign if you want to be bound by its terms

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thanks dave....i think what you are doing is fantastic and i have been in a real mess financially and not had any help from my creditors. I found this thread and its been inspirational to the point where i feel i may get a life again xxxx

 

If i have any questions i hope you dont mind me asking you....there is that much info on here its mind blowing lol

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thanks dave....i think what you are doing is fantastic and i have been in a real mess financially and not had any help from my creditors. I found this thread and its been inspirational to the point where i feel i may get a life again xxxx

 

If i have any questions i hope you dont mind me asking you....there is that much info on here its mind blowing lol

 

If I can Help I will :)......

 

in fact this thread is visited by quite a few knowledgeable people.....I'm sure we can all help each other.

 

Best to start your own thread and leave a link here or on the other "large" cca thread, we'll pop along and see what we can do

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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hi again......just wanted to know when i get my stuff back i know what to look for and if it does not comply, is there a quick way to get them to settle that you now know of?

 

Hahahahahah........(sorry)

 

Nope...they tend to take it to the wire.......some even turn up at court.

 

Its not really a problem if you know that you will win in the end.......its just a bit lengthy and a right pain in the a**

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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Share on other sites

sorry forgot to add, no mention of any credit limit. Its basically a pre approved application, sign if you want to be bound by its terms

 

To be able to pass any sort of judgement I'd need to see it.

 

Best thing....start your own thread.....upload the images to "Photobucket" or similar and then put a link here and I'll pop over and have a look

 

There are certain decisions that can ONLY be made after "seeing" the docs

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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ok, but i started my own thread and got no replies!!!!!

 

Post a link here then......and on the main cca discussion. If I dont know where it is I cant pass any comments.....

 

I'll have a look now to see if I can find it

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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hi dave...just wanted a bit of help ...i dont seem to be able to start a new thread, i have no icon on my screen saying new thread. can you assist?

 

Hello katie3105,

 

I think Dave is having a snooze:lol:

 

Try this link .... then left hand side near top is new thread icon.

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/

 

 

Onwards and Upwards

 

Chalkitup

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Hello katie3105,

 

I think Dave is having a snooze:lol:

 

Try this link .... then left hand side near top is new thread icon.

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/

 

 

Onwards and Upwards

 

Chalkitup

 

Yawnnnn...hmmm whats happening :)

 

just had a bit of running around to do...then someone gave me a bottle of Merlot as payment for a favour........ yes I succumbed...:)

 

anyway it seems as though chalky has sorted you (cheers buddy)

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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Morning Dave.... r u up yet

 

course I am....:)

 

cant stop though....got some work to do

 

catch you later

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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Hi dvd, same as my OH got so try this:-

Thank you for your letter dated xxxx

It would seem that you are of the belief that you have discharged your obligations under the Consumer Credit Act 1974 in particular section 78(1).

You have provided me with a copy of an application form and I feel it is my duty to draw your attention to some serious flaws in your comments.

Firstly to comply with section 61 of the Consumer Credit Act 1974 which by the way refers to the signing of an agreement (not an application) a document must conform to regulations made under the provisions of section 60(1) Consumer Credit Act 1974 otherwise it cannot be properly executed.

The regulations I refer to are the Copnsumer Credit (Agreements)Regulations 1983 (S1 1983/1553) These regulations set out the form and content of agreements. For an agreement to be compliant with the regulations it MUST embody within the agreement, the prescribed terms laid out in the S1 1983/1553; without the prescribed terms the agreement does not conform to section 60(1)1974 and therefore cannot be properly exuted as described in section 61(1) Consumer Credit Act 1974.

For your information in case you are unsure the prescribed terms referred to are contained in schedule 6 column 2 of the Consumer Credit (Agreements)Regulations 1983/15532 are inter inter alia:- A term stating the rate of any interest on the credit to be provided under the agreement and A term staing how the debtor is to discharge his obligations under the agreement to make the repayments which may be expressed by reference to a combination of any of the following:-

(a) Number of repayments

(b) Amount of repayments

© Frequency and timing of repayments

(d) Dates of repyaments

(e) The manner in which any of the above may be determined or in any other way and any power of the creditor to vary what is payable.

Now, nowhere on the application form that you supplied is there any reference to these terms. I wish to remind you that the absence of these terms will render a document unenforceable in court and I also wish to point out that these terms MUST be contained within the agreement and NOT in a separate document headed terms and conditions or words to that effect.

Since the document you have supplied is a clear mailer application form, I cannot believe for one moment that these very important terms would be contained on the opposite side of the form unless they are there for the postman to read whilst he delivers the mail. Therefore they must have been contained in a separate doccument which is prohibited by the S1 1983/1553 as there is no clear link to them within the signature document.

Therefore you have failed to supply an enforceable document which is correctly executed as to be so, it must conform to the Regulations under s60 Consumer Credit Act 1974.

I am of the opinion that a court is precluded from enforcing this agreement by s127(3) Consumer Credit Act 1974 as it is improperly exuted under s61 CCA 74 the consequences of improper execution are set out in section 65 of the Consumer Credit Act 1974 and s65 sets out that only a court can enforce an improperly executed agreement subject to certain qualifications on of those is that the document is signed and contains all the prescribed terms. Now since this document does not contain all the prescribed terms s127(3) CCA 1974 strictly prevents the court from enforcing this agreement.

If you cannot supply me with a document which complies with the CCA 1974 and ALL of the Regulations made under the Act, I shall be forced to make a complaint to TS and I will also draw this to the attention of the OFT.

I respectfully request you review this matter in light of my comments above and I request that you supply me with the required information or alternatively confirm the account is closed and the debt written off with a zero.

I respectfully request a reply within 14 days of the date of this letter.

Obviously put paragraphs in and where I have abbreviated put the full thing. Good Luck:-)

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