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    • Thank you for that "read me", It's a lot to digest, lots of legal procedure. There was one thing that I was going to mention to you,  but in one of the conversations in that thread it was mentioned that there may be spies on the Forum,  this is something that I've read quite some time ago in a previous thread. What I had in mind was to wait for the thirty days after their reply to my CCA request and then send the unenforceable letter. I was hoping that an absence of signature could be the Silver Bullet but it seems that there are lot of layers to peel on this Onion.  
    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Calvsta V Barclays ***WON***


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Regarding your post 23, no the POC sets out the basis of claim in fact and law. It is no good saying surely the bank will know, that is not how it works, I reiterate (refer back to my post 22) that the burden is on you to demonstrate you claim, even if the bank does know, the court certainly do not. The bank will not make your case for you, in fact it is the obverse, where the bank will delay and be as difficult as possible to deny you your entitlement.

 

As I said in my post 22 send it now. If they ask for it again then deal with it then. If you do not particularise your claim the banks may apply to have it struck out for want of particularisation.You do not need to send your statements at the moment, just the schedule of charges.

 

Regarding Dickaggsy's post (25) the schedule does not give you a 'rough idea', it should be accurate and precise. He is quite right that the bundle needs to includes statements, but you are a few months away reaching this stage (if you ever do and it does not settle beforehand).

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Thank you for your help so far.

 

I will send the SOC to the bank and court as advised by GuidoT.

 

Please put my mind at rest and clear a few things up if anyone can -

Have I made a big mistake by not sending my SOC again to the bank and to the court when claiming through MCOL until now?

The bank filed a defence on the 8/2/06. When can I expect my AQ?

At what point do the courts decide where and when the hearing will take place?

 

Cheers again

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I presume you mean POC (not SOC). It is not a big mistake (I have seen much worse) Barclays should have picked the lack of POC in their defence, I presume they did not.

 

Usually the court send a copy of the defence with the AQ, so you should receive that in the next week or so. Once the AQs have been submitted the judge will then decide the directions, including usually the setting of a hearing date - you are around 6 weeks (but it does depending on how busy and efficient your court is) away from this date.

 

Do not be too concerned you are doing fine.

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10.2.07 - I received my AQ and a copy of the banks defence to my claim.

 

The banks defence in brief:-

1. They want strict proof of alleged charges. (They have had two copies of highlighted bank statements already. I'm guessing I will need to send again in court bundle).

2. They are entitled to charge as set out in T&C

3. It was clear that I knew of the charges.

4. I should have been more careful with my money.

MY FAVORITES 5. The law doesn't apply to them.

& 6. The charges are fair and lawful.

7. I should have been more careful with my money.

8. The charges are fair and lawful.

9. If the claimant wins they can't be awarded anything past 6 years! (I've only claimed 5).

THIS ONE MADE ME LAUGH THE MOST 10. If charges are found to be unlawful we will counter claim the damage actually suffered, which then could end up being more than the original charge.

 

Any additional advise on filling out my AQ would be appreciated or any other help, hints or tips would be great.

 

Cheers for now, keep ya posted!

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That is not the standard 9 point defence I am familiar with. Points 9 and 10 are new to me, can you post the defence up, to save on typing you may find it easier to cut and past from here:

http://www.consumeractiongroup.co.uk/forum/post-466483.html

 

Anyway these should help you complete the AQ, New Strategy really a must now:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html

http://www.consumeractiongroup.co.uk/forum/general/53570-new-strategy-allocation-questionaires.html

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Ok here's Barclay's defence. Please excuse some of the type corrections. I scanned using OCR.

 

1. To the extent it is alleged that the Claimant incurred bank charges on his I account for unauthorised borrowings (whether unpaid fees for returned cheques, "Paid I Referral fees" or any other such fees), the Defendant puts the Claimant to strict I proof of each charge and the date thereof.

 

2. The Defendant is entitled to charge the Claimant for unauthorised borrowings by reason of its standard terms and conditions. The Claimant accepted the same when the account was opened, including (in particular but without limitation) the 11. following terms and conditions (which are summarised):

a. The Defendant's right to charge a "Paid Referral Fee" where the Defendant pays an I amount (either by compulsion or election) which causes the account to become overdrawn - £30 per item (previously £25) . I

b. The Defendant's right to charge an administrative fee if any cheque, standing i order or direct debit cannot be paid because of insufficient cleared funds in the ! account - £35 per item (previously £30) . i

c. The Defendant's entitlement, if the Claimant becomes overdrawn without an ; overdraft limit, to charge interest at the unauthorised borrowing rate on the excess : balance.

3. The Defendant's standard terms and conditions give the Claimant a fair and transparent view of those terms and the charges applicable for unauthorised borrowings (including where the account is overdrawn without an overdraft limit or where the Claimant exceeds his authorised overdraft limit).

4. If and to the extent it is the Claimant's case that the failure to make necessary payments and / or failure to remain within authorised overdraft limits and / or failure to arrange an authorised overdraft constituted a breach of the terms applying to the account and that the contractual entitlement to debit charges from the Claimant's account constitutes a liquidated damages clause, the same is denied. The charges constitute payments the Claimant agreed to make by reason of the terms and conditions of his account and were consideration for the Defendant advancing credit to the Claimant, which the Defendant was under no obligation to advance: The Defendant was entitled to impose such charges and interest when the Claimant incurred the overdraft.

5. Accordingly, it is denied that the legal principles relating to liquidated damages clauses and penalty charges are relevant or applicable to the facts set out above. Further or alternatively it is denied that any such charges constitute unlawful penalty charges or are in breach of the Unfair Terms in Consumer Contracts Regulations 1999 (particularly but without limitation to, paragraph l(e) of Schedule 2), or are in breach of s.4 of the Unfair (Contracts) Terms Act 1977 (or any other provision), or are unreasonable within the meaning of s.15 of the Supply of Goods and Services Act 1982 (or indeed any other provision)

6. Therefore, it Is denied the charges were unlawfully debited from the account.

7. If and to the extent the Claimant incurred charges on his account, this was caused by the Claimant having gone into overdraft without having agreed with the defendant an authorised overdraft facility or to increase the overdraft facility and / or his failure to make payments to bring the balance of the account into credit.

8. It is averred that the said charges and interest are and remain lawful and enforceable and that the Defendant was entitled to debit the same.

9. The Defendant denies that it is liable to the Claimant for the sums claimed and interest, as pleaded or at all. In the alternative if (which is denied) the said charges are unenforceable and constituted a breach of contract by the Defendant, those charges which were applied to the account prior to 5 January 2001 are not recoverable because they are time-barred under the terms of the Limitation Act 1980 in that more than six years have elapsed since the accrual of the cause of action.

10. In the alternative, and without prejudice to matters stated above, if (which is denied) the said charges and interest or any part thereof are unlawful or unenforceable as alleged by the Claimant or at all, and the charges were a consequence of the breach of contract by the Claimant, the Defendant has nonetheless suffered loss and damageas a consequence of such breach of contract in allowing the account to go into unauthorised overdraft. Accordingly, in the event that the Defendant is unable to rely on its express entitlement to enforce the charges as set out at paragraphs 2 to 3 above, it will seek to recover to the extent necessary such loss and damage as it actually suffered, which will not necessarily be limited to the value of the said charges, and the Defendant seeks to set off such sums against any llability owed hereunder to the Claimant:: Barclays Bank PLC

 

So there we have it! Please feel freee to advise or ask questions.

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I am sorry Scalvey, I have just realised that I was comparing your defence to the Lloyds one.

 

Must stop taking those stupid pills.

 

Anyway my AQ links are still relevant. I am sure someone else will advise you regarding the defence who knows about Barclays.

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I am sorry Scalvey, I have just realised that I was comparing your defence to the Lloyds one.

 

Must stop taking those stupid pills.

 

Anyway my AQ links are still relevant. I am sure someone else will advise you regarding the defence who knows about Barclays.

 

Hi again

 

I thought you may have done. Not a problem, it will help others I'm sure!

 

Do you still think it is essential I send my scedule of charges to the court and to the bank litigation and disputes dept at barclays to support my POC?

 

I just don't want to confuse things with the claim.

it seems things are proceeding as normal!

 

Sorry to keep hassling you on this one!

Cheers

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  • 4 weeks later...

*News Update*

 

I have received a court date for my case against Barclays 24 May, and it seems the new strategy has worked. Giving me (the claimant) until the 23rd March to submit my court bundle and Barclays a further 2 weeks to submit theirs (as described in the Draft Order for Directions). Hopefully this should speed things up with a settlement!

 

Obviously now finalising my court bundle and I am hoping for some advise.

 

I have printed out the following to use as legal material.

Relevant case law to penalty charges (available on this site).

Should I present all of these cases or just one or two?

Unfair Terms in Consumer Contracts Regulations 1999/01

Unfair Contract Terms Act 1977

Supply of Goods and Services Act 1982

Should I send the whole law document or just the sections that are relevant to my case?

 

Is there any other articles or information I can present to help my case?

 

Is it worth printing out recent related newspaper articles and web pages?

 

Any other help advise is welcome no matter how small or irrelevant you great people think it is!

 

Thanks for now

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Thank you Guido for once again pointing me in the right direction!

 

Some more info and clear up questions

 

I have a Small Claims Track Hearing in WATFORD on the 24th May.

The case is a block listed at 10am. Anyone else at this hearing?

I used the new strategy for for AQ and therefore now have Special Directions. These would be:

 

a) A schedule of charges - Not a problem

b) Statements or account info provided under your subject access request - Not a problem

c) A statement of evidence. Using GaryH template (Barclays bank standard 10 point defence), I notice on Peter Rabbit V Barclays thread a mention on about adding a paragraph or two to cover the service charge arguement, as strongly hinted at in paragraph 5. Any help or advise on this available.

 

d) Cases and statutes, as found in the Basic Court Bundle - Little confused on this as these are not asked for to be attached in support of the statement! Do I need to include the following, Unfair Terms in Consumer Contracts Regulations 1999, the Unfair Contracts (Terms) Act 1977, the common law and Supply of Goods and Services Act 1982.

Or will the quotes in the statement suffice.

 

regarding other documents needed to support statement!

 

Does anyone have the Australian Default charges report, Nicole Rich.pdf - Link is not working!

 

Where can I find the OFT report? The hyperlink no longer works on the Bundle download!

 

I don't have any Automated charge notification letter/s. The last one I received was torn and trashed with rage over a year ago. Is this a problem?

 

The notice of hearing also asks for a Witness statement. I am using Karnevils as a guide, any advise?

 

Many thanks

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I see you are in my land, I work on Clarendon Road. I have claim at Watford CC, my judge did not order the new strategy for me, who is your judge?

 

For starters link broken in bundle for OFT report, but this works:

http://www.oft.gov.uk/shared_oft/reports/financial_products/oft842a.pdf

 

I will see what I can do regarding the remainder of the questions.

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Just to make things clearer as to what help I need.

 

1. Where can I find the case law for Robinson Vs Harman 1848 ?

 

2. I can't seem to find the following quotes in the court bundle/relevant case law - pneumatic tyre v new garage motor co 1915 -

“the sum is a penalty if it is greater than the greatest loss which could have been suffered from the breach” and;

“The essence of a penalty is a payment of money stipulated as in terrorem of the offending part; the essence of liquidated damages is a genuine covenanted pre-estimate of damage”

 

3. The link for Nicole Rich, “Unfair fees: a report into penalty fees charged by Australian Banks

is not working, do you have a new link?

 

4. Do you have/will I need the American study - Consumer Federation of America “Bounced Cheques: Billion Dollar profits II ?

 

5. I don't have any Automated charge notification letters. Is this a big problem or do you have any advise?

 

6. Regarding your telephone conversation paragraph - I have had conversations/arguments with Barclays in the past about charges but haven't requested proof/recordings etc. any advise - shall I just delete or pretend I have requested justified proof of charges on the phone?

 

7. I need to add a couple more paragraphs regarding Barclays standard defence, paragraph 5! Do you have any suggestions or know of anyone who may have a draft I could use?

 

Cheers

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1, 2, 3, 4 you should find here

http://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=70&d=1159005513

5, forget that

6, ditto

7, show me para 5

Leech

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html#post436526

click my scales if you think i am helpful ! yes LHS down there !!

Once more into the breach dear friends,once more

or close the wall up with our banks dead ,

The games afoot,follow your spirit and upon this charge

Cry 'God for Harry' England and St George

Henry V battle of Agincourt 1415

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Hi Leechthebreach

 

Thanks

 

1,2,3,4 not in court bundle!!

 

Para 5 od Barclays defence -

 

5. Accordingly, it is denied that the legal principles relating to liquidated damages clauses and penalty charges are relevant or applicable to the facts set out above. Further or alternatively it is denied that any such charges constitute unlawful penalty charges or are in breach of the Unfair Terms in Consumer Contracts Regulations 1999 (particularly but without limitation to, paragraph l(e) of Schedule 2), or are in breach of s.4 of the Unfair (Contracts) Terms Act 1977 (or any other provision), or are unreasonable within the meaning of s.15 of the Supply of Goods and Services Act 1982 (or indeed any other provision)

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I will find what you want shortly.

The Claimant submits to this honourable Court that a charge of £25, £30, £35 etc (whatever is applicable) for the administration resulting from the Claimant going over his authorised limit by £1 is,nt reasonable by any stretch of the imagination. The same can be said for a charge of £30 for an item returned unpaid.

Furthermore the charges regardless of their de facto nature are unfair by virtue of Reg 5(1) of the UTCCR. Particular ref is made to the fact that any term of contract which purports to allow the Defendant to levy the charges to the account, contrary to the requirement of good faith causes a significant imbalance in the parties " rights and obligations", arising under the contract to the detriment of the Claimant , who in this case is a consumer.

Voila!

Leech

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html#post436526

click my scales if you think i am helpful ! yes LHS down there !!

Once more into the breach dear friends,once more

or close the wall up with our banks dead ,

The games afoot,follow your spirit and upon this charge

Cry 'God for Harry' England and St George

Henry V battle of Agincourt 1415

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Measure of Damages

Loss of Bargain

The are three possible measures of loss. The first is loss of bargain. The second is wasted expenditure or reliance loss and the third is a claim in restitution. The normal measure for breach of contract is loss of bargain. This measure of damages is intended to place the injured party in the same situation, as far as money can do it, as if the contract had been performed Robinson -v- Harman(1848).

Dunlop Pneumatic Tyre Co. Ltd. v. New Garage and Motor Co. Ltd.

[1915] A.C. 79

 

Lord Dunedin : ... I shall content myself with stating succinctly the various propositions which I think are deducible from the decisions which rank as authoritative :

1. Though the parties to a contract who use the words "penalty" or "liquidated damages" may prima facie be supposed to mean what they say, yet the expression used is not conclusive. The court must find out whether the payment stipulated is in truth a penalty or liquidated damages. This doctrine may be said to be found passim in nearly every case.

2. The essence of a penalty is a payment of money stipulated as in terrorem of the offending part; the essence of liquidated damages is a genuine covenanted pre-estimate of damage (Clydebank Engineering and Shipbuilding Co. v. Don Jose Ramos Yzquierdo y Castaneda (1905) A.C. 6).

3. The question whether a sum stipulated is penalty or liquidated damages is a question of construction to be decided upon the terms and inherent circumstances of each particular contract, judged of as at the time of the making of the contract, not as at the time of the breach (Public Works Commissioner v. Hills (1906) A.C. 368 and Webster v. Bosanquet (1912) A.C. 394).

4. To assist this task of construction various tests have been suggested, which if applicable to the case under consideration may prove helpful, or even conclusive. Such are :

(a) It will be held to be a penalty if the sum stipulated for is extravagant and unconscionable in amount in comparison with the greater loss that could conceivably be proved to have followed from the breach. (Illustration given by Lord Halsbury in Clydebank case.)

(b) It will be held to be a penalty if the breach consists only in not paying a sum of money, and the sum stipulated is a sum greater than the sum which ought to have been paid (Kemble v. Farren, 6 Bing. 141). This, though one of the most ancient instances, is truly a corollary to the last test. Whether it had its historical origin in the doctrine of the common law that when A promised to pay B a sum of money on a certain day and did not do so, B could only recover the sum with, in certain cases, interest, but could never recover further damages for non-timeous payment, or whether it was a survival of the time when equity reformed unconscionable bargains merely because they were unconscionable - a subject which much exercised Jessel M.R. in Wallis v. Smith, 21 Ch.D. 243 - is probably more interesting than material.

© There is a presumption (but no more) that it is penalty when "a single lump sum is made payable by way of compensation, on the occurrence of one or more or all of several events, some of which may occasion serious and others but trifling damage" (Lord Watson in Lord Elphinstone v. Monkland Iron and Coal Co., 11 App.Cas. 332).

On the other hand :

(d) It is no obstacle to the sum stipulated being a genuine pre-estimate of damage, that the consequences of the breach are such as to make precise pre-estimation almost an impossibility. On the contrary, that is just the situation when it is probable that pre-estimated damage was the true bargain between the parties (Clydebank case, Lord Halsbury; Webster v. Bosanquet, Lord Mersey).

Turning now to the facts of the case, it is evident that the damage apprehended by the appellants owing to the breaking of the agreement was an indirect and not a direct damage. So long as they got their price from the respondents for each article sold, it could not matter to them directly what the respondents did with it. Indirectly it did. Accordingly, the agreement is headed "Price Maintenance Agreement," and the way in which the appellants would be damaged if prices were cut is clearly explained in evidence by Mr. Baisley, and no successful attempt is made to controvert that evidence. But though damage as a whole from such a practice would be certain, yet damage from any one sale would be impossible to forecast. It is just, therefore, one of those cases where it seems quite reasonable for parties to contract that they should estimate that damage at a certain figure, and provided that figure is not extravagant there would seem no reason to suspect that it is not truly a bargain to assess damages, but rather a penalty to be held in terrorem.

3 & 4 I personally would not bother with.

Leech

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html#post436526

click my scales if you think i am helpful ! yes LHS down there !!

Once more into the breach dear friends,once more

or close the wall up with our banks dead ,

The games afoot,follow your spirit and upon this charge

Cry 'God for Harry' England and St George

Henry V battle of Agincourt 1415

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Also... Am I a pain or what!

 

I believe the facts stated within this Witness Statement to be true and exhibit Exhibits [your initials 1] comprising of xx pages.

 

What does the highlighted bold writing mean at the bottom of Witness satement?

 

Ta

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Auzzie parts here

http://www.consumeraction.org.au/downloads/DL29.pdf

GaryH has covered most of what I have shown you, you may be able to dress it up a bit with the quote etc

I should not worry too much, it will not get to Court and if it does even though you live about 80 miles from me I will come with you!!

The highlighted part means the bundle that you are sending comprises of xxx pages mine usually are about 250!!!!!

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html#post436526

click my scales if you think i am helpful ! yes LHS down there !!

Once more into the breach dear friends,once more

or close the wall up with our banks dead ,

The games afoot,follow your spirit and upon this charge

Cry 'God for Harry' England and St George

Henry V battle of Agincourt 1415

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Thank you very much Leech you have been top help so far.

 

I must seem a bit nervous! JUST IN CASE! keeps running around my head.

 

I am almost there now. Just have to make copies but I'm not going to waste my time with that until Mon/Tues, post Wed. I'll have the weekend to check through and organise my folder. Copies are required next Friday 23rd.

 

One more piece of advise - The OFT has printed out 30 odd pages. Do I need to send/bring the whole report or just the pages I refer to in my statements etc? does this also apply to the UTCCR etc.

 

I'll be out of your hair soon!

 

Much appreciated

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Print out the lot, mark out what you are relying on.

Do this last as they may well capitulate, but (and this is no joke)

make sure you have enough paper and ink!!

Barclays do not usually take it to the last minute so now is the time to phone them, or there solicitors and prompt them for a settlement, have not read all your thread so am not sure what interest you have gone for, if it is compounded contractual do not back down one inch, compounded unauthorised you can give a bit.

This is the time when people lose there bottle do not lose yours!!

Leech

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html#post436526

click my scales if you think i am helpful ! yes LHS down there !!

Once more into the breach dear friends,once more

or close the wall up with our banks dead ,

The games afoot,follow your spirit and upon this charge

Cry 'God for Harry' England and St George

Henry V battle of Agincourt 1415

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