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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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I need help with Link Financial please .....


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Sorry if this kind of thing has been posted before but I am new to this and just really need help!

 

To cut a very long story short, I bought a car on finance with GE Capital a while back. I got into financial difficulty and couldnt afford the car but I had paid over a third of the finance and was able to return the car to GE Capital. I received confirmation that the car had been received and the debt settled. I have never heard anything about this since, and after 3 years, I shred all out of date financial stuff so I have no proof of any of the finance details, date the agreement was taken out etc.

 

Late last year I get a message from my parents who had been asked by a neighbour to get me to ring this company Link Financial. Apparently they had gone onto the register of electors to get details of my parents neighbours as no one was answering at my parents address when they rang!!! The never bothered to write to me at my parents address though.

 

Anyway, I rang them and they asked me for £750 for this alleged debt that I owed to GE Capital, although they had "bought" the debt and I now owed it to them.

 

I advised that I was not aware that I owed any money and asked for proof of this but they just continued to ring and be very rude and sarcastic and nasty about this money.

 

I contacted the National Debt Helpline who advised that the debt may be statute barred as I was sure it was over 6 years ago that I had heard anything about it. I wrote and told Link financial this and they just wrote in reply to tell me that the debt wasnt statute barred as it wasnt over 6 years. I wrote back and asked for proof of this and they just ignore me and keep asking for the money, and these people on the phone arent nice.

 

Anyway, sorry, this story was supposed to be the short version!!! Well, the National Debt Helpline advised that I can have a copy of my original agreement and account with GE Capital for £1 under the Consumer Credit Act 1974. So I wrote to Link with my £1 and asked for this and told them NOT to take the £1 as payment against the debt as I was still not acknowledging the debt as mine.

 

They wront back on 23rd May and said that they had requested the terms and conditions from GE Capital but to get any more info I would have to pay £5 a sheet for it as my account was in default and the £1 consumer credit act thingy doesnt apply to accounts in default. AND they had put the £1 that I sent them as payment against the debt - just as I had asked them not to. So now, even if the debt wasnt statute barred, it wont be for another 6 years coz as far as my account shows, I have paid £1 on 23rd May 2007.

 

I am so sick of this, I have been requesting proof of the account since November 2006 and still they havent provided anything. I have told them, if they can prove I owe this money then I will pay it but I wont just cough up £700+ to a company I have never heard of about a debt I dont believe I have!!!

 

Again, sorry this is so long but I really need help and I have been referred to this site by MSE and the National Debt Helpline so, any answers .................! pleeeease!:mad:

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You don't want to hang around with Link financial. You've done all the right things but they are spinning you their renown delaying tactics. Next step from them is court action in Northampton County Court.

 

Get in touch with your local Trading Standards tommorow and explain the situation and story as well as you have here, and make a point of explaining that their tactics are leaving you sick with worry.

Trading Standards Central - Trading Standards and Consumer Protection information for the UK

 

Please keep us posted, their are quite a few Link 'experts' here who can advise a lot better than I can!

 

Best wishes, Dave.

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So now, even if the debt wasnt statute barred, it wont be for another 6 years coz as far as my account shows, I have paid £1 on 23rd May 2007

Two issues:

(1) you can not unstatute barr debts. If the debt was statute barred it still remains statute barred.

(2) in your CCA request letter you clearly stated that you do not acknowledge this debt and what the £1 is specifically for. Their application of this £1 to the account under these circumstances would not be considered as an acknowledgement of the debt.

 

You must take a very firm hand with Link. Document when they phone you, if possible record the telephone calls (you need to tell them you are doing this when they call).

 

If you haven't already send them the harrassment by telephone letter http://www.consumeractiongroup.co.uk/forum/bank-templates-library/37006-harassment-telephone-response-letter.html

Read the Administration of Justice Act 1970 section 40 located here Debt Help UK : Administration of Justice Act 1970 | UK debt consolidation service with free help and advice | UK debt consolidation service with free help and advice

and read the OFT guideance on debt collection collated here http://www.consumeractiongroup.co.uk/forum/general-debt/55579-oft-guidelines-debt-collection.html

 

Also do as Dave and get in touch with your local Trading Standards tomorrow. This very important.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Link are an unpleasant outfit to deal with, they use many tactics and the first advice is never deal with them on the phone - insist on it in writing and keep copies of everything.

 

 

The letter you received asking for £5 etc is a standard Link delaying and confususion tactic, send the follwing:

 

I Do not acknowledge any debt to your company

 

With reference to etc,etc

 

Thank you for your standard letter of xxxx the contents of which are noted. I would remind you that under section 189 of the Consumer Credit Act 1974 this is a statutory obligation whether you are the original creditor or not.

 

Therefore please comply with my requests stated in my letter of XXXX for true copies of this credit agreement.

 

I have also requested a statement of account, and you have already received the statutory fee of £1, the request for further payments to fulfill your obligation is denied, please comply with my request.

 

Feel free to alter, but if they were originally told not to use the £1 for any other purpose they should be told this and asked to return it forthwith.

 

Again if they have been told not to telephone you remind them in writing and ensure that they are informed such contact will be ignored and harrassment reported under Section 40 of the administration of justice act 1970.

 

Do speak to Trading Standards, Link are arrogant and treat people as if they are stupid - The more reports TS receive the sooner this arrogant shower may be bought to book for their activities. The fact is they almost certainly do not have an agreement and they have committed an offence under the CCA which TS can act upon.

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  • 1 year later...
Guest blackie

Help. Link have registered an order on my property. I have been writing to them requesting a CAG and statements,these have been sent recorded delivery, but the only thing I have had back is the usual letter stating they have requested statements from MBNA and a new letter requesting I contact Link as discuss an amicable solution. They have harrassed the hell out of my husband whilst he has been very ill, the usual postcards, and telephone calls, followed by the CCJ, I did contest it, but apparently it arrived too late at court. We seem to have had a run of bad luck and illness and loss of my father in the last 12 months, so I have to admit I have let things slip, but now I feel like fighting again, can anyone out there help me.

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Go back up one level to the threads list. Down the bottom of the list, on the left, you will see a 'New Thread' button.

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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