CoffeeAngel -v- Halifax Credit Card - Claim form now issued

[coffeeangel]

"Hey Coffee, the highlights look pretty cool!

 

Thanks my dear! Trying to "rock" the new look!

[blondie 27]

Is'nt a skeleton a bit much for te hearing i thought was only at trial??

[citizenB]

Is'nt a skeleton a bit much for te hearing i thought was only at trial??

 

A skeleton argument basically keeps things on track for, in this case CA.. it doesnt need to be given to anyone else.. purely for CA's own use.

[blondie 27]

Oh i see, so a skeleton can be done at anytime during the process?

[citizenB]

Oh i see, so a skeleton can be done at anytime during the process?

 

Yes.. There are some trials where a Judge will actually ask for Skeleton arguments.. especially if it is a long or complicated one.

 

In this case, it is purely for CA's own use.

[caro]

It's quite handy to do it as you go along, then as the hearing gets closer you've got everything noted down and don't have to worry about trying to remember everything and the order it happened.

[blondie 27]

I think i'm getting confused with witness statements and skeletons as i thought the w/s would be enough till trial but see what you mean by having it all noted!!

 

Thank you

[caro]

A skelton is just the bones of it, just bullet points if you like to cover all the points that need to be raised.

 

A witness statement puts the flesh on the bones and gives more detailed explanation.

[asokn]

The witness statement is your actual evidence. The skeleton is just your comments on the whole evidence, a structure for what you will say in court.

[blondie 27]

:-Di like how you have put that

[coffeeangel]

So hey CAG famz, hope your all doing ok. Me not so much - not enough hours in the days (or days in the week for that matter) for Coffee to deal with all the dramarama in her life so after talking it over with family, friends and yes, even my employers, an "executive decision" has been made to get legal bods to fight this one for me as I just have far too much on my plate to dedicate the time needed for this.

 

I want to wholeheartedly thank everyone for their advice on this very sour subject but in particular some of the most amazing people I have the "virtual" pleasure to ever meet! You know who you are! I cannot tell you how MUCH your opinions and wise counsel have brought me comfort and I have learned SO MUCH! The work you do here, helping each other, it really warms your soul.

 

I want you to know I appreciate you, each and everyone of you, newbies and seasoned Caggers alike. You have opened my eyes and your support has empowered me to have the confidence to continue to fight the battles that I CAN win without taking away the time and energy needed for my children and my Momz who needs me now and, selfishly, also for me.

 

I know you will all understand because that's who you are - Amazing!

 

I will come back and let you all know the outcome. It would be disrespectful of me not to and I do respect you all, very much.

 

Stay cool CAG

 

Coffee

*

[citizenB]

Hi CA,

 

I think you have probably made a wise decision. If for one reason or another you are unable to devote the time required, it could be disastrous.

 

I know you have been unwell and have a family and day job.. so it must be extremely distressful.

 

Everything is that much harder for a LiP .. but when you see the legal peeps at work it looks so darned easy !!

 

Please, let us know how you get on

[AndyOrch]

Wishing all the best to you and yours Coffee I hope the outcome is very favourable to you.

 

Kind regards

 

Andy

[coffeeangel]

Hi CA,

 

I think you have probably made a wise decision. If for one reason or another you are unable to devote the time required, it could be disastrous.

 

I know you have been unwell and have a family and day job.. so it must be extremely distressful.

 

Everything is that much harder for a LiP .. but when you see the legal peeps at work it looks so darned easy !!

 

Please, let us know how you get on

 

Absolutely CB! And thank you for making me smile

[coffeeangel]

Wishing all the best to you and yours Coffee I hope the outcome is very favourable to you.

 

Kind regards

 

Andy

 

Your well wishes mean a lot to me Andy. No words I say on here can ever express the true gratitude I feel for your wise counsel. Stay cool Andy, you rock!

[coffeeangel]

Oh gwad, I' m gonna cry now.....

[DonkeyB]

Keep us posted, even if it’s cryptic!

[coffeeangel]

Keep us posted, even if it’s cryptic!

 

Will do DB! And thanks to you to for words o wisdom on this thread. Awesome!

[coffeeangel]

So hey CAG famz, hope your all doing ok. Me not so much - not enough hours in the days (or days in the week for that matter) for Coffee to deal with all the dramarama in her life so after talking it over with family, friends and yes, even my employers, an "executive decision" has been made to get legal bods to fight this one for me as I just have far too much on my plate to dedicate the time needed for this.

 

I want to wholeheartedly thank everyone for their advice on this very sour subject but in particular some of the most amazing people I have the "virtual" pleasure to ever meet! You know who you are! I cannot tell you how MUCH your opinions and wise counsel have brought me comfort and I have learned SO MUCH! The work you do here, helping each other, it really warms your soul.

 

I want you to know I appreciate you, each and everyone of you, newbies and seasoned Caggers alike. You have opened my eyes and your support has empowered me to have the confidence to continue to fight the battles that I CAN win without taking away the time and energy needed for my children and my Momz who needs me now and, selfishly, also for me.

 

I know you will all understand because that's who you are - Amazing!

 

I will come back and let you all know the outcome. It would be disrespectful of me not to and I do respect you all, very much.

 

Stay cool CAG

 

Coffee

*

 

So CAG Famz, I promised to let you all know how things panned out for old Coffee.

 

On the advice of my legal counsel, I never needed to see the inside of a Court Room and the CO route was negotiated.

It was a good result although I am some few hundred quid out of pocket (that can not be afforded but needs must'd at the time!).

 

I haven't quite managed to dial down the DEFCON level just yet as every time I think about this,

I still feel really angry at the way this whole series has played out and I want to kick someones butt or as my mother says make them "eat poo and poop bricks"!.

 

It should never have happened in the first place really as in the end,

all I wanted was to pay back what I spent and that is exactly what happened.

 

If BoS hadn't tried to be a smartass, just accepted my SAR, gave me the information,

I checked it over, I said well actually this isn't really the correct figure I owe is it,

let's chat and reach an amicable place...... no they wanted to be smart asses!

 

The money wasted is one thing, but it's the time and energy that I had to dictate to this and how it has adversely affected my health

(when a gal starts losing her hair and what is left is going severely grey you have to say enough is enough)

is to say the least, BC disgusting! (BC in this case in no shape or form stands for Barclaycard!).

 

I hope the trolls from BoS are reading this thread.

 

Your behaviour has been nothing short of criminal in my eyes.

 

The way that that you treat your customers on a normal day to day basis is one thing, but as a LiP is downright shameful!.

 

You feel, just with everything else, that they can ride roughshot over people. Disgraceful!

 

Anyway, I can now move on from the trauma and dramarama of all this.

 

To the trolls at BoS despite your despicable and gutterish behaviour (alley cats have more morals),

you have actually done me a favour!

You know why?

Well you got me to reacquaint myself with the CAG Famz and from their guidance and support and hours of reading and researching the rose tinted glasses have come off

and "now I can see"! How does that song go.... "I can see clearly now...."

 

I'm a firm believer in Karma.

 

The CAG Famz ain't got a thing to worry about but for all those like BoS, well ain't it a ":censored:" and it bites!

If all that is going on in the economic world not just here but globally doesn't make you wake up I feel sorry for you.

 

You may have had a "victory" of such, but remember, so have I!

 

You're pockets aren't as fat as you wanted them to be at my expense are they??

 

This was a hugely painful lesson for me to learn but nevertheless empowering all the same.

I will heal my battle wounds, I'm learning to love the scares actually because they remind that now and going forward,

I am wiser and stronger for the experience.

 

CAG Famz, you will never know the true extent of my appreciation. Stay cool!

[citizenB]

Hi CA.. even a little victory is a victory.. they didnt have it all their own way.

 

It is disgraceful that a lot of hassle could have been avoided if only they had treated you as a human being in the first place.

 

Did you ever obtain the SAR information?