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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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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Help with debts please


baja_ady
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Hello all, been a member of this forum for a while but never really posted before.

 

Currently going through the process of claiming bank charges from the Abbey. They are trying every trick in the book! Still not got all statements sent to me, they have three days left before i go to court to get them!

 

Anyway, i am seriously in debt with one loan and four credit cards totalling approx £20,000 as well as mortgage etc. My monthly salary is basically just covering the loan and mortgage and the minimum payments on the credit cards. I've taken a second job to cover other things like petrol, food etc but am really starting to lose control on it all as the outgoings exceed the income each month. I only see one option, to get a secured loan to cover the cards.

 

So need advice on another route, or if none then which loan company is best for a secured loan.

 

Must just say that this is a great site and has been a great help so far.

 

Cheers all, Adrian.

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Guest louis wu

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html.

 

Have a look through these (only some are relevent)

 

You may find that by writing to all your creditors, explaining your issues you can get them to agree lesser payments, thereby reducing your monthly outgoings. At the end of the day, so long as you are sensible with these companies in making sensible payment options, they should accept these and freeze any interest (see above thread for templates)

 

Are you still paying charges to your bank. If so, open a new account, a basic account, many banks offer them, will give you a debit card and a direct debit facility. It may be worth your while having no automated activity on your account (DD's SO's etc) and make all payments manually, you have more control of your money that way, and no chance of going O/D.

 

If you want to give more specific info I will have a look through them and offer suggestions, you can PM if you like. I have been there, and although no expert, will help where/if possible.

 

Hope this helps a bit.

 

regards Louis

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Hi, cheers for the reply. Have cancelled all dd's etc on the abbey account, and have also opened new account with A and L. Switching wages over to the new account, so Abbey cannot get hold of them!

 

Basically Abbey froze my account when i applied for the statements because my addresses were different. As a result all dd's were returned un paid for that month, which abbey decided to charge me £220 in costs!! They lost my change of address form at the branch and i incurred more charges! Finally resolved it all after 8 phone calls and an appology from the branch! But abbey only refunded part of the charges. So i'm all out to get them for every penny! But doesn't help me short term. Gonna have a look at those templates and info now.

 

One of my credit cards MBNA have refered me to Loans.co.uk for a consolidation loan secured on the house. Is this a route to take?

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Guest louis wu

Some of these loan companies offer loans that last for years, and then slap on huge penalties if you pay them off early. The interest you will pay is astronomical. Also Loan.co.uk, is attatched somehow to Abbey, and MBNA are Abbeys credit card people. So don't think they are trying to help you. You really need to be aware of all your options before even considering a secured loan with this type of company.

 

I would honestly try writing to everyone you owe money to using the first few letters on the previous link. You will be suprised at what levels of payment some of these companies will accept, some will even write off large amounts of your debt.

 

The Citizens Advice Bearue can and will help, and it is well worth talking to them.

 

I obviously don't have all the knowledge, but try some of the suggestions made and see where it goes. It wont harm your position, or cost you anything more than some time and a stamp.

 

Keep your chin up and keep in touch

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  • 2 months later...

baja ady

 

Hi

 

Im new to the site but have nine years experience in paying off a spiraling debt.

 

My advice is

 

1) contact Citizens Advice Bureau for debt management advice, part of which is to request your creditors to stop charging interest and set out a reasonable budget that enables you to exist. Don't be over generous on the money left for credit debts section.

 

2) When setting up payments to your creditors only do this using standing orders.

 

3) Under no circumstances accept any consolidation loans particularly if it would be attached to your property, The old advice is that when you are in a hole stop digging!

 

4) Start claiming all unreasonable charges back from anywhere you can using the advice and letters on this site.

 

I am in the last year of paying of my debts and hope to get something knocked off by claiming back unfair charges. As I don't know your full circumstances I can only give a view but consider giving up the second job.

You are entitled to a reasonable life and the circumstances you are in are almost certainly due to the banks being only too ready to lend money inappropriately..

 

get back to me if this is helpful

 

If I say the wrong thing tell me

 

Best of luck

 

Cas

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Ade welcome to the forum,have moved your posts here.

Seems that you have a few issues but I am certain our members will give you lots of help.

For reclaims of penalty charges proceed in the usual way and if there are dcas involved then get those CCAs done.

Above all else take things a step at a time.

Each area will need approaching differently.

Of course in extreme sits you may need expert advice and debt management help from outsiders but sometimes this can actually add to the problems.

Basically what I am saying is there is a lot that you can do yourself with the tools and know how you will find that theres is a lot of this here...and people who have been there and some who still are - helping eachother.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hello baja ady,

 

 

Have yo contacted CCCS at all?

 

I've not used them myself, but I have heard good things about them from quite a few people on this site!

 

 

CCCS -

 

 

 

Telephone: 0800 138 1111

 

Hope this helps!

 

 

Good luck, Jeff.

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