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Hillbilly Jack As the Management Security co, may we bring to you attention to the Office of Fairy Tales Act 1066 and those guide lines.....section 1 sub section34 which clearly states..... you are only allowed to answer threads for 1 month on any forums....... you have overstayed by 2 months in this thread. Consumeractiongroup .co.uk have imposed a fined of £30 for overstaying this time limit. You have 7 days to pay.... after 7 days it will be increased to £60,failing none payment, they will take you to court. if you decide to sell up and leave the country, they will trace you. In which case their costs will be increased to £1million.... or if you have any bits of broken gold, please send to Goldactiongroup or they can even arrange some members to come around and knock your gold teeth out. Ron and Ron The Management

Were was this CAB office,as they should have explained about the crisis loan criteria as my fellow scouser MCBIRNIE25 has posted,if they never mentioned the crisis loan criteria,then once this has been sorted.... then put a complaint in to this CAB office. Ron

Get them along to their local CAB, if you feel your parents have receives poor service in connection with a claim for incapacity benefit,they should consider making a complaint. He can complain whether or not he also wishes to challenge a decision about incapacity benefit. He can asks for a decision to be looked at again within one month of receiving it,so tell them to get their fingers out.As already stated he will have to consider whether to ask for the decision to be looked at again (by disputing it) (and then appeal if he still thinks the decision is wrong), or to apply directly for an appeal. Once this mess is sorted hopeful successfully welfare rights advisors could consider submitting a claim for DLA(disability living allowance) for him, then they should be looking at claims for I/S(income support) and again if successful claim for I/S they would then get help with their mortgage. Ron

Bong..... from Mr J Magil, litigation solicitor Legal Services-Retail Division,still would like to believe its was that letter (below) you helped me to amended that swung it and not there cost of defending it We are writing to you, as you were the last person in the Halifax chain of correspondence to contact me and my wife. If this case is now being handled by someone else, please ensure that this letter is forwarded to the appropriate department. We would like to give you the opportunity to settle this case before you incur further associated legal costs when it goes to court on the 30th May 2007 at 11.30 at Liverpool County Courts. My belief is that we have a strong case to reclaim charges going back to 1995 and we will be relying upon the The Unfair Terms in Consumer Regulations 1999 (Regulation 5(5) and under the Limitations Act 1980, section 32 (1) (b) and © . We will be further submitting case law within our evidence ... Kleinwort Benson Ltd v Lincoln City Council and others, that covers the issue of (mistake) section 32 (1) © of the Limitation Act 1980 and enrichment. We will be further submitting case law Cave v Robinson Jarvis & Rolf covering the issue on (concealment) Section 32 (1) (b) of the Limitation Act 1980 were any fact relevant to the plaintiff’s right of action has been deliberately concealed from him by the defendant. I hope you enter into a sincere dialogue this time over this matter, please contact myself or wife on 0151 ***** or in writing before the 29th of May, alternatively we will continue this court action on the 30th of May and be submitting this letter within our bundle of evidence, on the matter of deciding costs. Thanks to all.... this will help to go towards the wife stem cell treatment bill that she had in Holland for MS. Ron

WON we WON. Would like to believe we did it on pure caselaw argument and not what they are saying...However on a purely commercail basis it will cost the bank to defend your claim Blah Blah. Many thanks to Bong/Paulwlton/Glen Uk/Soldier girl/ Battleaxe/JonCris for your support and everyone who has given there time in helping me Thanks again guys Ron

Not me m8 it's hawkeye Bong.... anyway thanks for your input have added this to my letter. Ron

Oh you are being picky Ron

Thanks bong for those amendments Ron

About to send this.... should i or should'nt i? Any additions or coments please Ron Dear Mr Gottig, We are writing to you, as you were the last person in the Halifax chain who contacted me and my wife. If this case is beyond you, please forward it on to the appropriate department. We would like to give you the opportunity to settle this case before it goes to court on the 30th May 2007 at 11.30 at Liverpool County Courts. My belief is that I have a strong case to reclaim charges going back to 1995 we will be submitting evidence using the The Unfair Terms in Consumer Regulations 1999 (Regulation 5(5) and under the Limitations Act 1980, section 32 (1) (b) © . We will be further submitting case law within my claim... Kleinwort Benson Ltd v Lincoln City Council and others, that covers the issue of (mistake) section 32 (1) © of the Limitation Act 1980 and enrichment. We will be further submitting case law Cave v Robinson Jarvis & Rolf covering the issue on (concealment) Section 32 (1) (b) of the Limitation Act 1980 were any fact relevant to the plaintiff’s right of action has been deliberately concealed from him by the defendant. I hope you enter into a sincere dialogue this time over this matter, please contact myself or wife on 0151 ***** before the 29th of May, alternatively we will continue this court action on the 30th of May Yours sincerely

Tigs33 i would have thought in accepting and signing a full and final payment,would mean exactly that.... but go for it and good luck. Ron

Of course you will be able to claim back any futher charges put on you account Ron

i believe you are stuffed my m8 by accepting their offer as full and final payment Ron

Bong, All the Halifax has put... as their defence, because it’s beyond the 6 years its "statue barred by virtue of the Limitation Act 1980", and that it. Now they could be playing with me, and on the day of the hearing, produce more in their defence and submit case law, therefore springing a trap... to which I’m going to shout foul you B’s. I’ve been told that if I did that to them...they may scream foul.... And the judge may say to them... you have the money to pay for the top barristers in the land, and they should be submitting Kramer v Kramer, Inland Revenue v Ken Dodd, Inland Revenue V Lester Piggott, (jokes).... but you get me drift. I would love to think that if I went down to the courts with all the case law tomorrow, and asking could they send of a copy to the Halifax.... the Halifax may just settle a few days before the hearing which would be nice? Ron

Gave the court a little admendment quoting the Misrepresentation act 1967 last month.... the court said they will send a copy to the Halifax so they have had a little snippet.... may go down to the courts on Friday with a little bit more snippets..."not all" just a little more for the Halifax to chew on. If i don't show my hand until the hearing i just hope the judge does not rule its inadmissable, or he my allow it as the Halfax legal team should know the law on the limitation act and have better resources than most of us and to get there act together. Ron