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Case Management Conference 13th Oct. 06

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This was the bundle pre Case Management Conference.



Cobbetts Llp

Ship Canal House

King Street


M2 4WB


Dear Sir,

Please find enclosed documents prior to the Case Management Conference 2pm 13th October 2006.

Copies have been sent to the Court.

1. Claimants further reply to your CPR part 18

2. Claimants reply to your Defence.

3. Witness statement of Claimant

4. Case Management Information Street

Yours faithfully


Bristol County Court


Before His Honour Judge Havelock-Allan QC







Case no xxxxxxxxx






1. The defence is a template and identical (word for word) to defences provided against many similar claims brought against the Defendant nationwide. Including the same typographical errors.


2. In reply to point 3. The Defendant has been provided with this schedule. And the Claimant would seek reciprocal full details with all supporting documentation of each and every breach by the Claimant which resulted in a charge being levied as confirmed by the Defendant in its Defence.

3. In reply to point 4.1.

a) The Defendant appears to be requesting the Claimant to identify where the

Claimant has breached the contract. The Contract and published Terms and

Conditions are quite clear regarding the breaches.

b)The Claimant would ask how charges are applied to the account (whether

automatically or by some other means) and when.

c) Further, the Defendants assessment of the cost to it of sending any letter

making any telephone calls or otherwise administering the account, with details

of how the cost to the Defendant is calculated and what items of expense are

included, or such other costs as are foreseeable in the context of contractual

damages and the remoteness thereof and which can be specifically identified and

defined and which can be reasonably attributed to each and every breach on the

part of the Claimant.

d)The justifiably objective principles upon which all such costs are calculated and

result in the specific level of each charge levied by the bank in respect of each of

the breaches which resulted in the charges now claimed by the Claimant.


4. In reply to point 5.1 – 5.3.4. The Defendant is well aware of the contractual

provisions. The Defendant wrote them. Solicitors representing the Defendants are

very familiar with the quoted Acts and do not require the Claimant to be more

specific at this stage.


5. In reply to point 5.3.5 Where the Defendant avers that the charges are applied

in return for the provision of a banking service to the Claimant: The Claimant

would ask that the Defendant identify each and every such service referred to

in the defendants terms and conditions and identify the charges, by reference to

those terms and conditions, that the Claimant is required to pay for each

service identified.


Further, to confirm what steps are taken by the defendant in providing the

alleged services referred to in the defence and to provide copies of all notes,

memoranda, or other information retained by the defendant to demonstrate the

provision of the alleged services to the Claimant. To also confirm whether the

charges are applied automatically.


6. In reply to point 5.4.2 – 5.4.5 Above replies apply.

7. In reply to point 6. The Defendants are aware that Part 18 does not apply to Small

Claims Track. The Claimant considers that upon allocation this claim being less than

£5,000 will be so allocated. The Claimants consider this request to be intimidatory as

Part 18 is excluded. The Request was made early in the proceedings and designed to

cause certain Claimants to worry, possibly withdrawing their claims due to escalating

difficulty and mis-understanding of terminology and process. This tactic is offensive

and tantamount to an abuse of the system of the court. However, the Claimant has

considered further his reply and the responses have been made to the Defendants

CPR part 18. The Claimant asks the Court to order the Defendant to reply to

reciprocal requests for further information.


8. In reply to point 7. The Defendants have received many similar claims nationwide. It

is quite wrong of them to suggest they do not understand exactly the whole purpose

and scope of these claims notwithstanding any errors of terminology or lack of



The Claimant believes the facts in this reply to the Defence are true.







Bristol County Court


Before His Honour Judge Havelock-Allan QC













1. I am xxxxxxxx and am acting as Claimant in Person


2. This witness statement is made in support of my claim and in reply to the Defendants (undated and unsealed) application for an order to strike out and Summary Judgement against the remainder of my claim.


3. The Defendants (along with many other banks) have experienced an increase in similar claims for repayment of unfair bank charges. Using a variety of legal process to argue and delay and complicate their defence. Whilst the Defendant argues these claims all fail to disclose a recognisable claim and none have any chance of succeeding and therefore should not proceed to a hearing: The Defendants refuse to attend any hearing and in all cases have negotiated settlements prior to hearing rather than attending a hearing.

4. The Defendants behaviour effectively thwarts the Courts from being able to make a judgement.

5. Whilst I am acting as Claimant in Person and cannot afford representation but wish to mitigate any escalation in cost bearing activity. It is seen that the Defendants are quite prepared to continue with cost bearing activity without any prospect or inclination to allow any Claimant the justice of a hearing and associated judgement.


6. The Defendants solicitors application represents their efforts to have the case struck out rather than heard and effectively they “win” on behalf of the Defendant upon successful application without the risk of a hearing or judgement against them.


7. Whilst the Defendants have made a payment accepted as a part payment on the understanding that the claim proceeds for the balance, the Defendant is now attempting to ensure the claim progresses no further. The part payment was accepted on the understanding that the case would proceed or settle in full, not struck out.

8. In reply to the Defendants point B3. The Claimants Amended Particulars of Claim sealed by the Taunton County Court are not the draft amended particulars the Defendant has attached to their Application to strike out.


9. In reply to the Defendants point B4. The claims referring to the Limitation Act are flawed in that the amounts are fairly claimed and but for the Defendants failure to comply within the time provided, to provide statements from which charges could be confirmed, would have fallen inside the 6 years required of the Limitation Act.


10. In reply to the Defendants point B5. The claim is asking for the return of the charges plus the interest the Defendant has levied on those charges to arrive at the total claim plus costs. Section 69 allows Claimants to apply a further 8% per annum. If the Defendant believes the calculation of interest is incorrect, the Claimant requires (and has previously requested) the Defendant to prove a more accurate calculation rather than provide a simple list of figures. The Defendant has failed to comply.

11. In reply to the Defendants point C7. I would suggest that the most compelling reason to proceed to trial is in order that a judgement can be made based upon evidence provided by both parties. If the Defendant is so confident of their position (that the Claimants have no prospect of success) they should be capable of defending such a claim without fear of the wrong outcome.

12. In reply to the Defendants point C9. The Defendants charged the Claimants between 16.5% and 29.5% interest on top of the illegal bank charges. The Defendant refuses to confirm their calculation of this sum and the Claimant has therefore claimed an average of 23% in the lack of any other evidence or calculation indicating a more accurate formula. There is no double recovery.

13. I ask the Court to allow this case to a full hearing and judgement. If the Defendant

remains unsure of their prospects of success, a hearing date will focus their

attention to settle rather than escalate delay and further frustrate these claims by

taking advantage of procedures which might otherwise cause another claimant in

person to lose heart and withdraw. It appears this is the strategy the Defendant is

using against many ordinary and unrepresented people nationwide.


The Claimant believes the facts in this statement are true.









Bristol County Court


Case Management Information Sheet


Before His Honour Judge Havelock-Allan QC







Part Filing: Claimants

Solicitors Acting: Claimants in Person




Substance of case.

1. The Claimant seeks repayment of unfair & unlawful bank charges and interest.


2. Yes

3. No, although Taunton County Court may link other claims.

Statements of Case

4. No

5. Yes. We believe CPR 18 may only become necessary if the Court directs other than to a Small Claim. However, the Defendant has insisted the Claimant complies with the Defendants CPR Part 18, the Claimant therefore seeks the Court to order full disclosure and breakdown of the administrative cost incurred in applying the said charges.


6. Within 7 days of being requested by the Court.

7. No

8. Yes: List of charges made to claimants accounts and in respect of every charge, a breakdown specifying the amount of actual cost to the defendant and the amount of profit added, resulting in the total charge made to the claimant in each and every charge.

9. Yes:

10. (i) Within 7 days of Courts directions

(ii) Within 7 days of Courts directions


11. No

Preliminary issues

12. No


Witnesses of fact

13. One

14. Claimant

15. Claimant

16. Within 7 days of Courts directions

17. No


Expert Evidence

18. No

19. No

20. No

21. None

22. N/A

23. No

24. None

25. N/A


26. 1 hour

27. Within 4 weeks of Case Management Conference

28. Bristol County Court

29. No


30. No

31. No. The banks have so far refused to attend hearings being content to take

the full period of the process before settling at the last minute.



Other applications

34 None.



35. Claimant in Person costs £9.25 per hour 18 hours research & preparation £166.50

plus £16.00 sundries expense.

36. Attendance in Bristol for Case Management and subsequent hearing total 200 miles

at standard mileage and car park rate. Further costs say 4 hours at hearings plus 4

hours travelling. Plus 10 hours additional research and preparation. Plus £4.00

sundry expense.




Signed Claimant








In the Bristol County Court


Before His Honour Judge Havelock-Allan QC









Claim Number xxxxxxxx





1. This response is served pursuant to the Defendants CPR 18 REQUEST of 17 July 2006


2. In response to Para 2.1 of the defendants request the Defendant received this information with the Amended Particulars of claim on or around 1st August 20061.


3. In response to Para 2.2 of the defendants request, the claimant has already explained why the charges should not have been applied but for the avoidance of doubt the claimant alleges that the charges are Penalty charges and are irrecoverable at common law. The precedent for this was Dunlop Pneumatic Tyre Co Ltd v New Garage and Motor co Ltd [1915] AC 79.along with Murray v. Leisure play [2005] EWCA Civ 963 It was held that a contractual party can only recover damages for an actual loss or liquidated losses Further or in the alternative the charges are contrary to the Unfair Terms in Consumer Regulations 1999.


Para 2.(a) The claimant should not have been charged an amount above the true administrate cost incurred by the defendant, (b) the claimant should not have been charged for reason out lined in Para 3. © the claimant should have been charged the true administrative cost.


4. In response to Para 2.2(d) The Defendants have asked what the claimant should have been charged, to answer this the claimant will need a break down of the administrative cost incurred by the defendant in applying the said charges.

5. In response to Para 4. If the defendant is trying to say that the charges are for a service then the clamant will argue that the defendant has attempted to restructure accounts in order to present events of default spuriously as additional services. The UTCCRs are concerned with the intention and effects of terms, not just their mechanism. For example, a charge for 'agreeing to' or 'allowing' a customer to exceed his credit limit is no different from a charge for the customer's 'default' in exceeding his credit limit.)


6. In response to the further questions made by the defendant the claimant will not be able to respond to these until the claimant has disclosure and inspection of documents as the claimant will be requiring a copy of his contract with the Defendants


7. If the defendant requires any further information, the claimant will be happy to provide this once the discloser of documents/information has been dealt with by the court.



The Claimant believes the facts in this statement are true.







  • Confused 1


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Gagging order Im afraid with Natwest. But I have 9 other cases to be heard in Taunton County Court on 12 Feb. (Actually only 7 now, two have paid up today). I need to prepare bundles and exchange them by 28 Jan. Complete waste of time if they pay up also, one by one, but is has to be done just in case I am the lucky one to actually have to battle it out in court.


So what goes in the Court bundles?


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Excellent Haydn.So I presume I can use the case managment info sheet you have kindly provided, in my upcoming hearing at leeds mercantile next month? I was worried about how to fill in the form

;) If this helps please click the scales bottom left
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  • 2 weeks later...

Court Bundles.........what a job that was........... 7 bundles prepared for 7 hearings to be heard 12th Feb. Monday 29th Jan is the deadline to exchange docs with banks and to give copy to court, plus retain my own copies. That makes 21 sets (each around 100 pages including statements). Interesting though, I havent received any defence bundles from the banks. I will apply to have judgement in default if any bank fails to deliver their bundles on Monday. So 14 days and counting......shame all the amounts are £500 and less. Its a lot of work but must see it through to the end.

  • Haha 1


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2100 pages!:o


That means you have nicked the record from Mindzai & Lucid, haydn.


They have just delivered about 1500 pages in their court bundles.


All the best with your claims.:-)





Aktiv Kapital £300.00 SETTLED IN FULL

Capital One £741.47 SETTLED IN FULL

Citi Cards £1221.00 SETTLED IN FULL

LTSB(personal) £3854.28 SETTLED IN FULL

LTSB(business) £7487.97 SETTLED IN FULL


What poor education I have received has been gained in the University of Life

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A quick question - I have a case against Barclays which has just been transferred to the Mercantile...should I now be keeping a track of my hours spent on the case and other expenses to include as "costs"?

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Yes, keep a log of your hours.

Great idea about the lap top. I decided to cheat while printing off the docs, and have risked providing one set of docs to cover all cases to the court, rather than 7 sets virtually all duplicates of each other. Same to Barclays, (3 claims...1 set of docs). I have not printed my docs either. I am guessing the cases


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Yes, keep a log of your hours.

Great idea about the lap top. I decided to cheat while printing off the docs, and have risked providing one set of docs to cover all cases to the court, rather than 7 sets virtually all duplicates of each other. Same to Barclays, (3 claims...1 set of docs). I have not printed my docs either. I am guessing the cases will all be settled prior to the hearings.


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  • 2 weeks later...

just subscribing



Newbody Vs Abbey


NB: Please read the FAQs & step-by-step instructions thoroughly & completely before commencing any action


the following is a link to a web archive of abbey websites over the time click on month under year to access Abbey's site for that time period to get what the terms and conditions were for when you opened your account Internet Archive Wayback Machine hope it helps or here for where i have started to pull them out to http://www.consumeractiongroup.co.uk/forum/abbey-bank/91707-archives-abbeys-web-pages.html


Advice & opinions given by me are my views or how i would respond, and are not endorsed by the Consumer Action Group & are offered informally, without prejudice & without liability. Your decisions & actions are your own - if in any doubt, seek the opinion of a qualified professional

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  • 1 month later...
  • 5 weeks later...

well anything happening, i ask because i'm in court 2 may, they've paid all the charges [ apart from £31 so i suppose i can still argue about their lawfulness] but mainly about C/I, i'm not so confident about winning this part so i am thinking of asking for their defence to be struck out




Halifax £3600 charges, won with C/I £6400


NatWest S.A.R-05/06/06

Bug**r all recieved 03/11/06

Prelim guesimate sent for £3000 03/11/06

Cr*p one CONNED statements 08/06 ROFLMAO

Cr*p one charges=£976

con int 34.9% £1,003.75 £1,979.75.


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  • 3 months later...



I have been reading your post and I have a case Management Conference today at 2 pm. I have contacted the courts on 3 occasions to confirm what i needed to bring. I have not received any information sheet or had to supply any information to the court before this hearing. Is this usual? I have also been allocated 10 mins for the hearing.



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