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    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all clearly showing a £60.00 parking charge notice (which will  be reduced if paid promptly).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-  (a) the owner or occupier of the land; or  (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44  For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “No Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide proof of planning permission granted for signage etc under the Town and Country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.  3.4        I also do not believe the claimant possesses this document.  No Keeper Liability  5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.  5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.    5.3        The claimant did not mention the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   Protection of Freedoms Act 2012  The notice must -  (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; 22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim. 5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable. Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims. 29. Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practise continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.” 30. In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverable under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 2) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.  7.8        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).  In Conclusion  8.1        I invite the court to dismiss the claim. Statement of Truth I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. 
    • Scottish time bar: Scottish appeal court re-affirms the “harsh” rule (cms-lawnow.com)  
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      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.

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Thanks michael but how do you get a mod to look at things normally I can manage but I think this time I will take all the help I can get but you have given me a good start thanks

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Ok Guys and Gals now I really am becoming P***** since the judge ordered me to complete most of the CP 18 I have been battling. I have had some very good advise from Michael but on section remains unanswered.

 

 

Please identify in each case the particular breach of contract by reference to appropriate terms.

 

 

Well I have read the T&C of NatWest and in my limited experience I cannot say which T&C have been broken, this is under the current terms i.e. November 06. If the bank has re-written these to avoid the above they have been clever.

 

 

Anyone got any advise or no where I have missed the point.

 

 

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Hi Steve, the only advice I can give you is the same as last night......... PM a mod with a link to this thread. Tis the best way forward. xxx :p

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Have not had a reply from a MOD at thispoint it is probably me not so good at this sort of thing i.e chat forums etc

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Steve, don't worry - I've just PM'd a mod with a link to your thread also, so hopefully you should get some additional advice soon.

 

Good luck mate, hedgey xxx :p

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Please identify in each case the particular breach of contract by reference to appropriate terms.

 

I have been working on this. This is what I've got based on the Novemver 2006 T&Cs and written as part of a Statement of Evidence:

 

- The current Bank Terms and Conditions (November 2006) state in relation to these charges:

Operations on the account

 

If at any time we receive instructions to withdraw funds from the account where

- there are insufficient funds available to cover the withdrawal, or

- the requested withdrawal would cause an agreed overdraft limit to be exceeded

we may exercise our sole discretion and, without contacting you, either (1) refuse to pay some or all of the item and/or (2) allow an overdraft to be created or allow the borrowing limit to be exceeded (in which case, the new or excess overdraft is an unarranged overdraft).

For the purposes of assessing whether you have sufficient funds available to cover the withdrawal, or whether the withdrawal would cause an agreed overdraft limit to be exceeded, we will look at the cleared balance (plus, where applicable, any unused agreed overdraft facility) on your account at 3.30 pm on the working weekday before we receive the instruction to withdraw funds.

AND

Fees, Interest and Other Charges

 

Fees for operating the account and interest rates and charges payable are charged as detailed in the leaflet 'A guide to Personal Current Account Fees' relating to the account and are subject to review from time to time. If any changes are made, details of the revised charges will be sent to you at least 30 days before the implementation date for the charges.

- In the leaflet referenced must be considered to form an integral part of the Terms and Conditions. In relation to these charges, it says

 

Unarranged borrowing - interest and fees

Interest

 

We would encourage you to agree an overdraft limit with us so you can avoid any unnecessary charges. If there is not enough money in your account and you have not contacted us to arrange an overdraft limit in advance, we may not allow you to withdraw money. Also we may not be able to pay your cheques, Standing Orders or Direct Debits... We will charge a fixed fee for each item we do not pay.

 

- The Claimant contends that these Terms imply a term requiring that, in the proper running of the Account, sufficient funds (including any agreed overdraft facility) must be maintained in the account to cover withdrawals or the result will be a charge. (It should be noted that this Condition applies even in cases over which the customer has no control ,eg the paying of a Direct Debit where the payment date and amount are controlled by the payee.)

- Further, the Claimant contends that, although these charges are referred to as “Fees for operating the account”, the Term is a clear statement that a charge will be imposed if the customer breaks the requirement that sufficient funds be in the account at the time of any withdrawal. The term itself sets out that the charge arises purely on the occurrence of the event and, as such, is a penalty or default charge rather than a fee for operating the account.

- Further, the Claimant contends that there is a very strong argument that these charges constitute “disguised penalties” – the OFT report “Calculating fair default charges in credit card contracts - A statement of the OFT's position”, April 2006, says,

“4.21 Attempts to restructure accounts in order to present events of default spuriously as additional services for which a charge may be made should be viewed as disguised penalties and equally open to challenge where grounds of unfairness exist. (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.) The UTCCRs are concerned with the intention and effects of terms, not just their mechanism. “

- On overdrafts the current Terms and Conditions say:

Overdrafts

 

Overdrafts are available on request ..... We may refuse to pay a cheque (or allow any other payment or withdrawal) which could have the effect of exceeding the overdraft limit. If we do pay a cheque (or allow any other payment or withdrawal) which results in the overdraft limit being exceeded, it will not mean that the overdraft limit has changed, or that we will pay any other cheque (or allow any other payment or withdrawal) which would have the same effect. You agree that if you or any appropriately authorised signatory on the account:

a) formally requests an overdraft limit or an increased overdraft limit and we agree to the request; or

b) informally requests an overdraft by issuing a payment instruction in any form (eg issuing a cheque or making a card transaction on the account) which either through exercise of our discretion to pay the item on presentation for payment or through payment being guaranteed to a third party, results in the account becoming overdrawn when no agreed overdraft limit is in place or which results in the overdraft limit being exceeded;

in either case, this will be treated as a variation to the contract (ie not revoking and replacing any earlier agreement) under which overdraft facilities are provided by us. If they arise through exercise of our discretion to pay items presented for payment or through payment being guaranteed to third parties, they will be an unarranged overdraft.

 

- The Claimant contends that the word ‘variation’ is another example of the Defendant attempting to disguise penalties and that charges arising because of these contract ‘variations’ are just another form of ‘disguised penalty’.

 

- The Claimant refers to the fact that normally contract variations arise because some event or circumstance has arisen during the course of the operation of the contract that was not envisaged at the time the contract was executed. In this case, the Defendant has effectively written a contract variation into the contract. The Claimant contends that this has the effect of making the subject of the variation, namely the ‘informal request for an overdraft’ a breach of the implied contract term that the customer must maintain sufficient funds in the account to cover all withdrawals.

Steven

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Wow! Wish I could click yer scales on a daily basis Steven!!! Fab guy you!!! I've gotta start printing yer posts off for future reference!!! xxx :p

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Hedgey

 

As always, tooooo kind

 

Steven

 

And Steven, as always......... way too humble - you don't know how good you are honey!!!! xxxx ;)

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We will have less of the slushy stuff thankyou.:D

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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From one Stephen to another Steven thank you for the help I was really stuck on this one, If it was not for you and Hedgy I would have propably start to tear my heair out by now. I hope that in the future I can help somebody else out as much Thanks again to both.

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Steven/Hedgy

Just a foot note the actual order from the judge may be worth noting for future refeerence:

 

It is noted that this request is beyond that which is reasonable to request on an “as per item basis”. By agreement of the Court the claimant intends to list by generic terms those section of the Terms and Conditions as laid down.

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Steven/Hedgy

Just a foot note the actual order from the judge may be worth noting for future refeerence:

 

It is noted that this request is beyond that which is reasonable to request on an “as per item basis”. By agreement of the Court the claimant intends to list by generic terms those section of the Terms and Conditions as laid down.

 

 

THat's good, you wouldn't want to put something like what I wrote above for EVERY charge - think of the trees!

 

Steven

 

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4 threads merged to make it easier to follow your progress.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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All have you read this-------------------------------------------------------------------------------- Tue, 22 May, 2007, 13:23 GMT 14:23 UKBarrister fights Natwest chargesA legal attempt to force the NatWest bank to justify its overdraft charges has ended after three days, with the judge now considering his decision. Newly-qualified barrister Tom Brennan had asked the court for permission to sue the NatWest for damages, over what he claims are its unfair bank charges. Victory for Mr Brennan would force a bank, for the first time, to justify its level of overdraft fees in court. The NatWest's lawyer said Mr Brennan's legal arguments were "bizarre". Third day The hearing at the City of London County Court has ended with Judge Peter Simpson reserving his judgement. Mr Brennan alleges that the bank imposed the overdraft charges knowing they were unjustifiably high, and that in doing so it caused him economic harm by damaging his credit rating. Mr Brennan has already had his overdraft charges of £2,548 repaid to him, and the bank has also offered him a further £1,600 to settle his claim, without an admission of any liability on its side. But at the end of the third day, Ben Pilling, the barrister for the NatWest, argued that Brennan's case should be thrown out. "He is asserting his continuing loss by refusing the money he is claiming," said Mr Pilling. "It is an artificial way to say 'my claim has not been satisfied'," he added. Test case Mr Brennan is seeking to create a test case by claiming the right to sue, not on the direct grounds that his overdraft charges were too high, but for exemplary and aggravated damages to punish the bank's behaviour, and also for damaging his financial standing. But Mr Pilling accused Mr Brennan of pursuing his case even though he had nothing more to gain. "There is no practical remedy for Mr Brennan to claim, as he has already been paid more than he can legitimately claim," said Mr Pilling. "It is not for Mr Brennan to set himself up as a consumer champion - that is exactly what his claim is all about. "He is pursuing this action for the benefit of other people, not himself - he is pursuing a crusade," he added. Addressing Mr Brennan's arguments directly, Mr Pilling said they were unsustainable in law. "There is no sustainable claim for causing loss or for breach of duty - the only sustainable claim is for breach of contract - thus no exemplary or aggravated damages are applicable," said the NatWest's barrister. "The interests of the consumer will not be damaged if the case is struck out. "The Office of Fair Trading has that role and its enquiry is underway to examine the issue Mr Brennan is vexed about," he concluded. This may be usefullStevePm

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Hi one and all just to keep the heat on. Corbett's and I received the Court Direction Order. Cobbies now admit that they got it wrong they now have to look at EITHER paying up in full or risk going back to court this month and being order to comply with the CPR 18 I placed on them, which we all know they will not answer the CPR because that will release the information to everyone.

 

 

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stevepm, could you explain a liitle more." Cobbetts now admit they got it wrong ?" What do the court directions say please ?

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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Basically during the first Direction hearing My request to have the defence thrown out was rejected by the Judge but Cobbie won the fact to have me reply to their CPR 18 request, ok so initially I rejected it as intimidator etc, Then I put it to the Judge that If I was to answer the CPR 18 for Cobbies then this would open up a whole series of questions that would need answering before an actual Court HEARING AND NOT DIRECTIONS. Cobbiie wanted to argue this was not necessary and that the next Court appearance would be for the whole case. Now as it happens the Judge agreed with me and set the next hearing as further directions which left it open for me to submit a CPR 18 requesting all the info

 

 

1 What is required by the defendant:

i. Pursuant to what contractual provision such charge was made, producing a copy of the contractual document relied upon;

ii. Whether such charge is accepted to be a penalty, and if not why not;

iii. If such charge is alleged to be a pre-estimate of the Defendant's loss incurred by the Claimant's actions (whether or not such action is treated as a breach of contract between the parties), all facts and matters intended to be relied upon as showing that such was a proper estimate of such loss;

iv. If such charges are not alleged to be a pre-estimate of the Defendant's loss incurred by the Claimant's actions then facts and matters showing the basis upon which the charge was calculated and all evidence to show that the charge was fair and reasonable.

 

 

2. Any witness statements.

 

 

3. Copies of decided cases and other legal materials to be relied upon.

 

 

On speaking to Cobbies they initially tried to tell me that they did not have to do a CPR 18 and that the judge threw this request out. This in essence is untrue. We finally received the Court Order which as we already knew was just to comply with the CPR 18 from me and rejecting the Defence to be thrown out.

 

 

Now I foresee the following Cobbies date for responding to the CR 18 is this Friday either:

 

 

a. They settle before the date

or

b. They do their normal delay tactic and wait till the day before or morning of the hearing and make an offer

 

 

But there is no way on this earth that they will allow it to get in front of a judge. Because if it does I have something pretty dramatic up my sleeve which they will not like and the court would have to accept.

 

:p

 

StevePM

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Home and dry. They will either send you a cheque or ring you and try to negotiate.

Good luck.

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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I am considering th efollowing to be sent to th ecourt this weekend

 

REQUEST FOR THE NatWest DEFENCE TO BE STUCK OUT

1. It is respectfully requested that an order be made striking out the defence in this action as an abuse of process

2. The basis for this is the fact that the Defendant is continuing to settle all claims of this nature where Claimants are seeking reimbursement of bank charges, with no claims proceeding to a contested hearing.

3. The Defendant cannot and not give reasonable grounds to object to this request as the claimant submitted and gave reasonable time to respond to an application under CPR 18 request for further information.

The defendant has failed to respond within the requested timeframe. Further the defendant made great efforts to submit CPR 18 to the plaintiff and further requested that the Courts order Direction to enforce the Plaintiff to respond to application under CR 18, it is of note that the defendant has duly complied with this order of the court. It is of note that the Court took the Defendant on face and Order the Defendant to comply with this CPR18 so as to prepare their defence. It is also noted that the direction hearing of the 25th May 2007 contained sufficient information to the defendant that the plaintiff would be filing a request for further information to the defendant. The court acknowledge that this would probably be the case and hence order a second Direction Hearing Date.

The plaintiff rather than wait for this date to have the court formerly give Direction to the Defendant to answer the request under CPR18 submit the aforementioned with the view to reduce costs and avoid the waste of the Courts Valuable time.

This request, for further information CPR18, was submitted to the defendant on the 31 May 2007 with a response date of the 15th of June 2007.

It is now clear that the defendant wishes to delay the outcome of this application and waste the courts time and subsequently increase the costs suffered by both the court and the Plaintiff in this delaying action.

It is therefore requested that the Court Strike out the Defendants DEFENCE and grant to the plaintiff settlement and costs in this case.

StevePM

 

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WON WON WON

 

as usuall they caved in

 

Thanks to all we continue the good fight with otherrs

StevePM

 

If you find this useful please tip my scales

 

First win £5k+ another five on the go all with NatWest

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CONGRATULATONS. i told you they would cave-in. Well done.

please fill in survey.http://www.consumeractiongroup.c o.uk/survey.php

and please remember this site relies on donations. Thankyou.https://www.paypal.com/cgi-bin/webscr

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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Was that before or after you hit them with the abuse of process directions?

 

What the heck -

 

CONGRATULATIONS!

 

Steven

 

If this post is helpful, please click the scales

Any opinions are without prejudice & without liability.

Almost everything I know concerning the law I learned from this site

 

 

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