Not being disrespectful but it sounds to me like your husband is reckless when it comes to debt. Whilst i would have every sympathy with people who fall on hard times, typically your husband appears to take money with no intention of repaying it. You say you have a new baby then he ought mature a little and consider that this will come back to haunt him one day. These are words of wisdom they are not meant to be offensive often it is easier to ignore the truth and face reality and that is, your husband is irresponsible and children will inherit his irresponsibility and so it will go on.

I think you are barking up the wrong tree. Tom Brennan appears to have received a great deal of publicity towards his cause and is a learned fellow of law and therefore, he has kindly offered support to Mr Berwick's cause, nothing conspiring about that is there?

I have just joined this forum and i have read the article by Bankfodder but what he hasn't mentioned is this. What if this judge is now sitting with other bank charge claims that he is about to hear. I seen a posting somewhere around here that said he was the main judge in Birmingham who handles Bank claims. This may or may not be correct but if he does have other claims in is control won't that be bad news for all of us? and are there others on the forum who have a date with judge Dread?? Is he likely to be able hand down another damming judgement this time to another Bank??? Any suggestions ???