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here we go, but you should remove the and if you have not done your declaration yet.

t. i have a longer one but


got someone still working on it. some one mentioned that your name and autograph should be on the right so i
have put that in it's up to you though.
Peter-Pat: Peterson
! "ny #oad
"ny "rea
$ity
%near& " ""
' ( )dea
*ead of $ollections
+heif ,imited
+heif *ouse
+heif #oad
+heif "rea
+heifshire
--!! !--
.th /ay !00
'otice of )rrevocable 1stoppel by "c2uiescence
'otice to "gent is 'otice to Principal
'otice to Principal is 'otice to "gent
3ear /r ' ( )dea,
re: "ccount 'umber !4.56789
:ith reference to the letter dated .th /arch !00 $1, the letter dated .th /arch !00 $1, and the letter dated
!.th /arch !00 $1, all delivered by recorded mail.
)n those letters ) asked you to provide the following reasonably re2uested specific items:
.Proof of $laim that the alleged liability has been created in the form of an original contract.
!.Proof of $laim that the alleged liability e;ists in the form of a verified true bill signed by your client and charged to
/# P1+1# P"+ P1+1#<(' pursuant to the -ills of 1;change "ct 88!.
4.Proof of $laim that +*1)= ,)/)+13 has the legal right and lawful authority to attempt to enforce collection of the
alleged liability in the form of Proof of "gency.
) hereby serve 'otice that +*1)= ,)/)+13's failure to provide Proof of $laim has created a permanent and
irrevocable estoppel by ac2uiescence, forevermore barring +*1)= ,)/)+13 from bringing any and all claims, legal
actions, orders, demands, lawsuits, costs, levies, penalties, damages, interests, liens and e;penses, whatsoever,
against /# P1+1# P"+ P1+1#<(' .
)t is important that you acknowledge and understand that this is not a letter but a legal notice, which is a different
specie of correspondence altogether. ) hereby declare that the law of "gent and Principal shall apply and that
service upon one is service upon another.
=urthermore, your failure to provide Proof of $laim in the form of the above reasonably re2uested specific items
comprises the tacit procuration of +*1)= ,)/)+13's agreement to the following terms and conditions:
.+*1)= ,)/)+13 is a third party interloper with no first hand knowledge of the facts of the matter.
!.+*1)= ,)/)+13 has aggressively and unfairly attempted to collect an invalid claim, and in so doing, has caused
in>ury to /# P1+1# P"+ P1+1#<(' , for which /# P1+1# P"+ P1+1#<(' is legally entitled to make a
commercial in>ury claim through the county courts for at least three times the value of the invalid claim, plus the
alleged principal, in the event that all available private administrative remedies have been e;hausted.
4.+*1)= ,)/)+13 does not have the legal right and lawful authority to attempt to enforce collection of the invalid
claim and will not attempt to do so in the future.
..+*1)= ,)/)+13 has no authority to adversely affect the credit rating of /# P1+1# P"+ P1+1#<(' and that
any negative remarks made to any credit reference agency will be removed.
5.+*1)= ,)/)+13 does not have the legal right and lawful authority to sell the alleged liability, pass it back to its
client and?or appoint an agent to act on its behalf in this matter.
=ee <chedule
"ny further invalid claims against /# P1+1# P"+ P1+1#<(' and?or attempting to contact the "uthorised
#epresentative by mail, mobile phone and?or telephone, will constitute the agreement of +*1)= ,)/)+13 to the
following =ee <chedule:
@-PA500.00 %('1 +*(B<"'3 =)C1 *B'3#13 P(B'3<& per invalid claim in writing, nunc pro tunc,
@-PA500.00 %('1 +*(B<"'3 =)C1 *B'3#13 P(B'3<& per letter and?or notice sent by recorded mail, nunc
pro tunc,
@-PA500.00 %('1 +*(B<"'3 =)C1 *B'3#13 P(B'3<& per hour, or portion thereof, of the "uthorised
#epresentative's time, nunc pro tunc,
@-PA500.00 %=)C1 *B'3#13 P(B'3<& per attempt to contact by telephone and?or mobile phone.
"ll fees are payable within ten %0& days of date invoice is received, as evidenced by #oyal /ail #ecorded 3elivery
tracking number.
:ithout malice or mischief, in sincerity and honour,
-y: Peter-Pat: Peterson %"uthorised "gent D #epresentative&
"ll #ights #eserved E :ithout #ecourse E 'on-"ssumpsit 1rrors D (missions 1;cepted
oe-Fohn: Fohnson "uthorised #epresentative for
F(1 F(*' F(*'<(' %and all derivatives thereof&
<ome #oad
<ome "rea
<ometown
%'ear&"" ""
31-+ -"'3)+
<ome "rea
<ometown
%'ear&"" ""
0.09.!00
'otice of )rrevocable 1stoppel by "c2uiescence
'otice to "gent is 'otice to Principal 'otice to Principal is 'otice to "gent
3ear <omeone
#e: #eference 'umber !4.56789
:ith reference to the letters dated !0th <eptember !00 $1, 0st (ctober !00 $1 and the letter dated th
(ctober !00 $1 all delivered by recorded mail.
)n those letters ) asked you to provide the following reasonably re2uested specific items:
. Proof of $laim that the alleged liability has been created in the form of an original contract.
!. Proof of $laim that the alleged liability e;ists in the form of a verified true bill signed by your client and charged to
F(1 F(*' F(*'<(' pursuant to the -ills of 1;change "ct 88!.
4. Proof of $laim that 31-+ -"'3)+ has the legal right and lawful authority to attempt to enforce collection of the
alleged liability in the form of Proof of "gency.
) herby serve 'otice that 31-+ -"'3)+Gs failure to provide Proof of $laim has created a permanent and
irrevocable estoppel by ac2uiescence, forevermore barring 3ebt -andit from bringing any and all claims, legal
actions, orders, demands, lawsuits, costs, levies, penalties, damages, interests, liens and e;penses whatsoever,
against F(1 F(*' F(*'<('.
)t is important that you acknowledge and understand that this is not a letter but a legal notice, which is a different
specie of correspondence all together. ) hereby declare that the law of agent and principal shall apply and that
service upon one is service upon another.
=urthermore, your failure to provide Proof of $laim in the form of the above reasonably re2uested specific items
comprises the tacit procuration of 31-+ -"'3)+Gs agreement to the following terms and conditions.
. 31-+ -"'3)+ is a third party interloper with no firsthand knowledge of the facts of the matter.
!. 31-+ -"'3)+ does not have the legal right or lawful authority to attempt to enforce collection of the invalid claim
and will not attempt to do so in the future.
4. 31-+ -"'3)+ has no authority to adversely affect the credit rating of F(1 F(*' F(*'<(' and that any
negative remarks made to any credit reference agency will be removed.
.. 31-+ -"'3)+ does not have the legal right and lawful authority to sell the alleged liability, pass it back to its
client and?or appoint an agent to act on its behalf in this matter.
=ee <chedule
"ny further invalid claims against F(1 F(*' F(*'<(' and?or attempting to contact the "uthorised
#epresentative by mail, mobile phone and?or telephone will constitute the agreement of 31-+ -"'3)+ to the
following =ee <chedule:
. @-P A000.00 %('1 +*(B<"'3 P(B'3<& per invalid claim in writing, nunc pro tunc,
!. @-P A000.00 %('1 +*(B<"'3 P(B'3<& per letter and?or notice sent by recorded mail, nunc pro tunc,
4. @-P A000.00 %('1 +*(B<"'3 P(B'3<& per hour or portion thereof, of the "uthorised #epresentativeGs
time, nunc pro tunc,
.. @-P A000.00 %('1 +*(B<"'3 P(B'3<& per attempt to contact by telephone and?or mobile phone.
"ll fees are payable in ten %0& days of date of invoice is received, as evidenced by royal mail recorded delivery
tracking number.
:ithout malice or mischief, in sincerity and honour
-y <overiegn F(1 F(*' F(*'<(' %"uthorised "gent and #epresentative&
1rrors D (missions 1;cepted
:)+*(B+ P#1FB3)$1 E :)+*(B+ #1$(B#<1 E '('-"<<B/P<)+
Robin Hoody
Managing Director
Capital Two Bank (Europe) plc
PO Box
! Dece"ber #$$%
Notice of Acceptance for Value
Dear Robin&
Re' Capital Two Mi(tercard ) *ccount +u"ber' %$%$%$%$%$%$%$%$
Plea(e ,ind enclo(ed t-e ,inancial in(tru"ent your co"pany (ent "e in relation to t-e abo.e
account& accepted ,or .alue and returned ,or (ettle"ent& and prepay"ent again(t ,uture
tran(action(/
Plea(e al(o be ad.i(ed t-at t-i( in(tru"ent& once accepted ,or .alue& i( law,ul (pecie o, "oney
w-ic- can be u(ed to credit0o,,1(et t-e balance o, t-e abo.e account wit- t-e aut-ori(ed u(e o,
"y exe"ption 2D nu"ber/ T-i( properly endor(ed re"ittance can be redee"ed by depo(iting
it wit- Her Ma3e(ty4( Trea(ury& a( 2 a" (ure Capital Two4( C-ie, 5inancial O,,icer i( already
well aware/
T-ere,ore& plea(e ,orward t-i( letter and re"ittance to t-e appropriate account( ,acility wit-in
Capital Two and in(truct t-e" to act accordingly& pro.iding "e wit- e.idence t-at t-e account
balance -a( been ad3u(ted/
2, no written re(pon(e ,ro" Capital Two i( recei.ed by "ail wit-in ten day( o, your receipt o,
t-i( notice& it will be a((u"ed t-at t-e account -a( been credited a( per t-e(e in(truction( and
t-at t-i( ,act will be re,lected in t-e next "ont-ly (tate"ent o, account/
6it-out "alice or "i(c-ie,& in (incerity and -onour&
By' 7pperca(e' 8ower (*gent 9 *d"ini(trator)
ALL RIGHTS RESERVED WITHOUT PREJUDIE NON ASSU!PSIT"
Robin Hoody
Managing Director
Capital Two Bank (Europe) plc
PO Box
#: Dece"ber #$$%
NOTIE O# NON$RESPONSE
Dear Robin&
Re' Capital Two Mi(tercard ) *ccount +u"ber' %$%$%$%$%$%$%$%$
6it- re,erence to t-e ,inancial in(tru"ent& accepted ,or .alue and returned ,or (ettle"ent and
prepay"ent again(t ,uture tran(action(& t-at wa( enclo(ed wit- t-e +otice o, *cceptance ,or
;alue dated ! Dece"ber #$$%& bot- o, w-ic- were deli.ered to Capital Two by regi(tered
"ail/
*( no written re(pon(e ,ro" Capital Two -a( been recei.ed wit-in ten day( o, your receipt o,
(aid notice& it -a( now been a((u"ed t-at t-e abo.e account -a( been credited in accordance
wit- "y pre.iou( in(truction(/ Howe.er& t-i( ,act i( not re,lected in t-e current balance o, t-e
account/
T-ere,ore& plea(e (end "e written con,ir"ation t-at pay"ent -a( been recei.ed and accepted&
a( well a( an appropriately ad3u(ted (tate"ent ,or t-e abo.e account& wit-in t-ree working
day( o, your receipt o, t-i( notice/
6it-out "alice or "i(c-ie,& in (incerity and -onour&
By' 7pperca(e' 8ower (*gent 9 *d"ini(trator)
ALL RIGHTS RESERVED WITHOUT PREJUDIE NON ASSU!PSIT
Robin Hoody
Managing Director
Capital Two Bank (Europe) plc
PO Box
#: Dece"ber #$$%
NOTIE O# ANELLATION O# STANDING ORDER
Dear Robin&
Re' Capital Two Mi(tercard ) *ccount +u"ber' %$%$%$%$%$%$%$%$
6it- re,erence to t-e ,inancial in(tru"ent& accepted ,or .alue and returned ,or (ettle"ent and
prepay"ent again(t ,uture tran(action(& t-at wa( enclo(ed wit- t-e +otice o, *cceptance ,or
;alue dated ! Dece"ber #$$%& bot- o, w-ic- were deli.ered to Capital Two by regi(tered
"ail/
2n accordance wit- t-e original in(truction( in t-e (aid notice& (ince Capital Two -a.e
accepted t-e (aid ,inancial in(tru"ent a( "ean( o, pay"ent& 2 -ereby deli.er notice t-at t-e
(tanding order related to t-e abo.e account -a( been cancelled& a( o, #: Dece"ber #$$%/
6it-out "alice or "i(c-ie,& in (incerity and -onour&
By' 7pperca(e' 8ower (*gent 9 *d"ini(trator)
ALL RIGHTS RESERVED WITHOUT PREJUDIE NON ASSU!PSIT
They might choose to cancel the facility, but they refused legal tender of payment so the debt
has now been legally dicharged in accordance with the Bills of Exchange Act.
The credit agencies are about to be served notice that should they record false information
in relation to this account they will be immediately reported the Office of Fair Trading and
invoiced for a substantial fee schedule.
Robin Hoody
Managing Director
Capital Two Bank (Europe) plc
PO Box
!# <anuary #$$:
NOTIE O# DISHONOUR
Dear Robin&
Re' Capital Two Mi(tercard ) *ccount +u"ber' %$%$%$%$%$%$%$%$
6it- re,erence to t-e ,inancial in(tru"ent& accepted ,or .alue and returned ,or (ettle"ent and
prepay"ent again(t ,uture tran(action(& t-at wa( enclo(ed wit- t-e +otice o, *cceptance ,or
;alue dated ! Dece"ber #$$%& +otice o, +on1Re(pon(e& dated #: Dece"ber and +otice o,
Cancellation o, =tanding Order& dated #: Dece"ber #$$:& all o, w-ic- were deli.ered to
Capital Two by recorded "ail/
2 -ereby gi.e notice t-at Capital Two -a( di(-onoured eac- and e.ery one o, t-e (aid +otice(
by ,ailing to re(pond appropriately wit-in a rea(onable ti"e,ra"e/ T-ere,ore& Capital Two -a(
agreed to all t-e ter"( (et ,ort- t-erein> na"ely'
!/ 2n accordance wit- t-e original in(truction( gi.en in t-e +otice o, *cceptance ,or ;alue&
Capital Two -a.e accepted t-e properly indor(ed re"ittance (lip a( "ean( o, (ettle"ent and
prepay"ent> and
#/ T-e abo.e account will be credited accordingly/
=ince Capital Two -a( accepted t-e abo.e& Capital Two t-ere,ore al(o accept( t-e ,ollowing'
!/ Capital Two -a( no clai" to any intere(t pay"ent& or additional c-arge(& neit-er o, w-ic-
can be legally added to t-e account balance> and
#/ Capital Two -a( no aut-ority to ad.er(ely a,,ect t-e credit rating o, t-e card -older/
T-ere,ore 2 re?ue(t Capital Two (end "e written con,ir"ation t-at pay"ent -a( been
recei.ed and accepted& a( well a( an appropriately ad3u(ted (tate"ent ,or t-e abo.e account&
wit-in t-ree working day( o, your receipt o, t-i( notice& (ent by recorded "ail/
Plea(e be ad.i(ed t-at =ection @A(a) o, t-e Engli(- Bill( o, Exc-ange *ct& w-ic- i( (till in ,ull
,orce and e,,ect in t-e 7B& clearly (tate( t-at a bill o, exc-ange i( di(c-arged w-en it'
i( duly pre(ented ,or acceptance& and (uc- an acceptance a( i( pre(cribed by t-i( *ct i(
re,u(ed or cannot be obtained4/
T-ere,ore& in accordance wit- t-e law& in t-e e.ent t-at you ,ail to pro.ide "e wit- w-at -a(
been (o rea(onably re?ue(ted once again& Capital Two4( di(-onour o, a legal tender o,
pay"ent di(c-arge( t-e out(tanding balance on t-e abo.e account/
6it-out "alice or "i(c-ie,& in (incerity and -onour&
By' 7pperca(e' 8ower (*gent 9 *d"ini(trator)
ALL RIGHTS RESERVED WITHOUT PREJUDIE NON ASSU!PSIT
Robin Bandit
Director o, Collection(
Capital Two Bank (Europe) plc
PO Box
!C <anuary #$$:
NOTIE O# INVALID LAI! RE#USED #OR AUSE
Dear Robin&
Re' Capital Two Mi(tercard ) *ccount +u"ber' %$%$%$%$%$%$%$%$
2n relation to t-e abo.e account& 2 -ereby (er.e notice t-at (ince ! Dece"ber #$$%& 2 -a.e
pre(ented legal tender o, pay"ent and (er.ed ,our notice( by regi(tered "ail to ROB2+
HOODD& M*+*E2+E D2RECTOR& C*P2T*8 T6O E7ROPE& all o, w-ic- -a.e been
di(-onoured/
T-ere,ore& plea(e ,ind enclo(ed Capital Two4( in.alid clai" t-at 2 -a.e de,aulted on t-e abo.e
account& along wit- an in.alid (tate"ent o, t-e abo.e account& bot- o, w-ic- were recei.ed on
!C <anuary #$$:& and bot- o, w-ic- are -ereby RE57=ED 5OR C*7=E/
6it-out "alice or "i(c-ie,& in (incerity and -onour&
By' 7pperca(e' 8ower (*gent 9 *d"ini(trator)
ALL RIGHTS RESERVED WITHOUT PREJUDIE NON ASSU!PSIT
T-ee.in Ba(terd
Executi.e O,,ice Manager
Capital Two Bank (Europe) plc
PO Box
## <anuary #$$:
NOTIE O# OPPORTUNIT% TO URE DISHONOUR
Dear T-ee.in Ba(terd&
Re' Capital Two Mi(tercard ) *ccount +u"ber' %$%$%$%$%$%$%$%$
5ir(tly& 2 "u(t re(pect,ully decline your o,,er o, title and kindly re?ue(t t-at any ,uture
corre(pondence be addre((ed to 7pperca(e' 8ower& a ,le(- and blood "an/ FMr4 i( t-e title to a
corporate ,iction& ot-erwi(e known a( "y 8egal Per(on& ,or w-ic- 2 a" acting a( ,ully
aut-ori(ed agent and ad"ini(trator/
T-ank you ,or your letter dated : <anuary #$$:& w-ic- wa( recei.ed at t-e abo.e "ailing
location on #! <anuary #$$:& (o"e !! day( a,ter t-e regi(tered date o, po(ting/ Contrary to
your clai"(& 2 do not ,eel t-at Capital Two -a( gi.en an appropriate re(pon(e to t-e (eriou(
i((ue( t-at "y legal notice( -a.e rai(ed& nor do 2 con(ent to your o,,er o, t-i( ca(e being
con(idered clo(ed/
Dou re,er in your letter to "y Fletter(4/ 2t i( i"portant t-at Capital Two under(tand and
acknowledge t-at ,ar ,ro" (ending Capital Two letter(& 2 -a.e& in ,act& (ent (e.eral F+otice(4&
w-ic- are a di,,erent (pecie o, corre(pondence altoget-er/ T-e +otice(& w-ic- were all (ent by
recorded "ail& were'
+otice o, *cceptance ,or ;alue& dated ! Dece"ber #$$%&
G +otice o, +on1Re(pon(e& dated #: Dece"ber #$$%&
G +otice o, Cancellation o, =tanding Order& dated #: Dece"ber #$$%&
G +otice o, Di(-onour& dated !C <anuary #$$: and
G +otice o, 2n.alid Clai" Re,u(ed ,or Cau(e& dated !C <anuary #$$:
Dour corre(pondence wa( t-e ,ir(t re(pon(e 2 -a.e recei.ed ,ro" Capital Two in relation to
any o, t-e abo.e/ 2 do not belie.e it to be acceptable bu(ine(( practice ,or a co"pany to take
@$ day( to re(pond to a +otice (ent in good ,ait- by a cu(to"er& nor (-ould it take !! day(
,ro" t-e date o, writing ,or a letter to be recei.ed by t-e cu(to"er/ Dour tardy re(pon(e i( t-e
only rea(on "atter( -a.e yet to be re(ol.ed/ T-ere,ore& 2 do not gi.e "y con(ent ,or you to
record negati.e in,or"ation on "y 8egal Per(on4( credit ,ile and ,eel co"pelled to reiterate
t-at Capital Two -a( "ade an in.alid clai" t-at =TR*6M*+ -a( de,aulted on t-e abo.e
account& noti,ication o, w-ic- wa( Re,u(ed ,or Cau(e in t-e +otice dated !C <anuary #$$:/
5urt-er"ore& a( (et out in eac- o, t-e (aid +otice(& by ,ailing to re(pond appropriately wit-in
a rea(onable ti"e,ra"e& w-ic- wa( al(o (et out in eac- +otice& Capital Two -a( in ,act gi.en
it( tacit acceptance to all t-e clai"( "ade wit-in t-e(e +otice(& including& but not li"ited to'
!/ Capital Two -a.e accepted t-e properly indor(ed re"ittance (lip a( "ean( o, (ettle"ent and
prepay"ent&
#/ T-e abo.e account will be credited accordingly&
A/ Capital Two -a( no clai" to any intere(t pay"ent& or additional c-arge(& neit-er o, w-ic-
can be legally added to t-e account balance> and
@/ Capital Two -a( no aut-ority to ad.er(ely a,,ect t-e credit rating o, t-e card -older/
6it- re,erence to your con,u(ion regarding t-e ,inancial in(tru"ent 2 (ent to Capital Two& t-e
legal de,inition o, re"ittance i('
REM2TT*+CE& co""/ law/ Money (ent by one "erc-ant to anot-er& eit-er in (pecie& bill o,
exc-ange& dra,t or ot-erwi(e/
2n co""ercial law& to re"it i( to (end "oney& bill(& or (o"et-ing w-ic- will an(wer t-e
purpo(e o, "oney/4
2t i( "y under(tanding t-at& in accordance wit- t-e Engli(- Bill( o, Exc-ange *ct& "y
acceptance and indor(e"ent o, t-e (aid ,inancial in(tru"ent a( Holder 2n Due Cour(e&
.alidate( it a( a legal tender o, pay"ent/ T-ere,ore& t-e legal de,inition o, Fre"ittance4 clearly
include( wit-out re(triction& t-e properly indor(ed ,inancial in(tru"ent 2 (ent to Capital Two
a( legal tender o, pay"ent in relation to t-e abo.e account/
2n addition to all o, t-e abo.e& i,& a( you clai"& Capital Two doe( not accept prepay"ent& or i,&
a( you al(o clai"& t-e Fgiro bank pay"ent (lip4 i( not legal tender& w-y -a( t-e re"ittance not
been returned to "e wit- an in(truction to a"end t-e a"ount or (end alternati.e pay"ent
be,ore nowH
Plea(e be ad.i(ed t-at =ection @A(a) o, t-e Engli(- Bill( o, Exc-ange *ct clearly (tate( t-at a
bill o, exc-ange i( di(c-arged w-en it'
i( duly pre(ented ,or acceptance& and (uc- an acceptance a( i( pre(cribed by t-i( *ct i(
re,u(ed or cannot be obtained4/
T-ere,ore& in accordance wit- all o, t-e abo.e (tated ,act(& 2 -a.e pro.ided Capital Two wit- a
.alid "et-od o, pay"ent and an account nu"ber ,ro" w-ic- Capital Two "ay e,,ect pay"ent
and clear in(truction( a( to -ow to e,,ect t-i( pay"ent/
2 -ereby (er.e notice t-at i, Capital Two (-ould c-oo(e not accept t-e properly indor(ed
re"ittance& currently -eld by Capital Two& a( legal tender o, pay"ent wit-in ten day( o, your
receipt o, t-i( notice& (ent by recorded "ail on ## <anuary #$$:& t-e debt will be con(idered
legally di(c-arged and t-e account "u(t be ad3u(ted accordingly/
2 -ereby declare t-at notice to principal i( notice to agent& and notice to agent i( notice to
principal& (-all apply to all corre(pondence re,erenced -erein& a( well a( all ,uture
corre(pondence in relation to t-i( "atter/
6it-out "alice or "i(c-ie,& in (incerity and -onour&
By' 7pperca(e' 8ower (*gent 9 *d"ini(trator)
ALL RIGHTS RESERVED WITHOUT PREJUDIE NON ASSU!PSIT
T-ee.in Ba(terd
Executi.e O,,ice Manager
Capital Two Bank (Europe) plc
PO Box
#A <anuary #$$:
NOTIE O# INVALID LAI! RE#USED #OR AUSE
Dear T-ee.in Ba(terd&
Re' Capital Two Mi(tercard ) *ccount +u"ber' %$%$%$%$%$%$%$%$
Plea(e ,ind enclo(ed Capital Two4( in.alid clai" t-at 2 -a.e de,aulted on t-e abo.e account&
recei.ed at t-e "ailing addre(( abo.e on #A <anuary #$$:& t-e entire content( o, w-ic- are
-ereby RE57=ED 5OR C*7=E/
2n relation to t-e abo.e account& 2 -ereby (er.e notice t-at (ince ! Dece"ber #$$%& 2 -a.e
pre(ented legal tender o, pay"ent and (er.ed (ix notice( by regi(tered "ail to Capital Two& all
o, w-ic- -a.e been di(-onoured/ 2t i( i"portant t-at Capital Two under(tand and
acknowledge t-at ,ar ,ro" (ending Capital Two letter(& 2 -a.e& in ,act& (ent (e.eral F+otice(4&
w-ic- are a di,,erent (pecie o, corre(pondence altoget-er/ T-e +otice(& w-ic- were all (ent by
recorded "ail& were'
+otice o, *cceptance ,or ;alue& dated ! Dece"ber #$$%&
G +otice o, +on1Re(pon(e& dated #: Dece"ber #$$%&
G +otice o, Cancellation o, =tanding Order& dated #: Dece"ber #$$%&
G +otice o, Di(-onour& dated !# <anuary #$$:&
G +otice o, 2n.alid Clai" Re,u(ed ,or Cau(e& dated !C <anuary #$$:& and
G +otice o, Opportunity To Cure Di(-onour& dated ## <anuary #$$:/
2gnoring legally (er.ed notice( in relation to t-e abo.e account and "aking in.alid clai"(
again(t =TR*6M*+ will re(ult in ,ollowing ,ee (c-edule being c-arged to Capital Two'
1 EBPI!C$/$$ per in.alid clai" "ade by Capital Two ) EBPI!C$/$$ per notice (ent by
regi(tered "ail by =TR*6M*+ ) EBPI!C$/$$ per -our o, t-e *gent 9 *d"ini(trator4( ti"e
T-e law o, agent and principal (-all apply t-i( notice and all ot-er notice( (ent to Capital Two
in relation to t-i( account/
6it-out "alice or "i(c-ie,& in (incerity and -onour&
By' 7pperca(e' 8ower (*gent 9 *d"ini(trator)
ALL RIGHTS RESERVED WITHOUT PREJUDIE NON ASSU!PSIT
Robin Bandit
Director o, Collection(
Capital Two Bank (Europe) plc
PO Box
# 5ebruary #$$:
NOTIE O# DISHARGE
Dear Robin&
Re' Capital Two Mi(tercard ) *ccount +u"ber' %$%$%$%$%$%$%$%$
2 -ereby (er.e notice t-at Capital Two -a.e c-o(en not to reply to a +otice (ent in relation to
t-e abo.e account on ## <anuary #$$: by recorded po(t/ *( detailed in t-at +otice& ,ailure to
reply wit-in ten day( o, Capital Two4( receipt o, t-at notice can be taken a( Capital Two4( tacit
acceptance to all t-e clai"( "ade wit-in t-at& and pre.iou( +otice(& including& but not li"ited
to'
!/ Capital Two -a.e accepted t-e properly indor(ed re"ittance (lip a( "ean( o, (ettle"ent and
prepay"ent&
#/ T-e abo.e account will be credited accordingly&
A/ Capital Two -a( no clai" to any intere(t pay"ent& or additional c-arge(& neit-er o, w-ic-
can be legally added to t-e account balance> and
@/ Capital Two -a( no aut-ority to ad.er(ely a,,ect t-e credit rating o, t-e card -older/
T-ere,ore 2 re?ue(t Capital Two (end "e written con,ir"ation t-at pay"ent -a( been
recei.ed and accepted& an appropriately ad3u(ted (tate"ent ,or t-e abo.e account& wit-in
t-ree working day( o, your receipt o, t-i( +otice (ent by recorded "ail& along wit- e.idence
t-at t-e credit rating o, t-e account -older -a( not been ad.er(ely a,,ected/
5urt-er"ore& a( explained in t-e +OT2CE O5 2+;*82D C8*2M RE57=ED 5OR C*7=E (ent
by recorded "ail to Capital Two on #A <anuary #$$:& ignoring legal +otice( in relation to t-e
abo.e account will re(ult in t-e ,ollowing ,ee (c-edule being c-arged to Capital Two'
1 EBPI!C$/$$ per in.alid clai" "ade by Capital Two ) EBPI!C$/$$ per notice (ent by
regi(tered "ail by =TR*6M*+ ) EBPI!C$/$$ per -our o, t-e *gent 9 *d"ini(trator4( ti"e
6it-out "alice or "i(c-ie,& in (incerity and -onour&
By' 7pperca(e' 8ower (*gent 9 *d"ini(trator)
ALL RIGHTS RESERVED WITHOUT PREJUDIE NON ASSU!PSIT
Robin Bandit
Director o, Collection(
Capital Two Bank (Europe) plc
PO Box
INVOIE
@ 5ebruary #$$:
Re' Capital Two Mi(tercard ) *ccount +u"ber' %$%$%$%$%$%$%$%$
2n accordance wit- t-e 5ee =c-edule clearly de,ined in legally (er.ed +otice( to Capital Two
Europe& all o, w-ic- -a.e been tacitly accepted by (aid debtor& Capital Two are now liable to
pay a total (u" o, =2J H7+DRED ERE*T BR2T2=H PO7+D= to =TR*6M*+& in return ,or
t-e con(iderable and .aluable ti"e& (kill( and energy expended by t-e aut-ori(ed *gent in t-e
ad"ini(tration o, t-e ,ollowing'
1 EBPI!C$/$$ ,or one di(-onoured legal notice ) EBPI!C$/$$ ,or one in.alid clai"& enclo(ed
RE57=ED 5OR C*7=E ) EBPIA$$/$$ ,or two -our( o, t-e *gent 9 *d"ini(trator4( ti"e
EBPI$$/$$ TOT*8 *MO7+T +O6 D7E
C-e?ue( (-ould be "ade payable to =TR*6M*+ and (-ould be (ent to t-e "ailing location
below wit-in ten day( o, receipt o, t-i( 2n.oice& w-ic- wa( (ent by recorded "ail/
6it-out "alice or "i(c-ie,& in (incerity and -onour&
By' 7pperca(e' 8ower (*gent 9 *d"ini(trator)
ALL RIGHTS RESERVED WITHOUT PREJUDIE NON ASSU!PSIT
The credit card company are now sending notices of their own refusing to accept that the
debt has been discharged. They are denying that they agreed to the proposed terms with
their silent consent and they are falsely claiming they have a right to charge late payment
penalties and adversely affect the credit rating.
Theyre also pretending they havent received an invoice for the Fee !chedule, which is now
in excess of "#$%% and that they have not been as&ed for verification and validation of the
liability. 'n other words, they are fec&ed and they &now it(
DEC8*R*+T' 7pperca(e' 8ower
c0o +on1Re(idential Mailing *ddre((
RE=PO+DE+T' THE ROB2+ HOOD2E= !1C
C*P2T*8 T6O B*+B E7ROPE P8C
RE' *ccount nu"ber' !#A@!#A@!#A@
Regi(tered Mail +u"ber' !#A@!#A@!#A@
Return Receipt Re?ue(ted
VERI#IED A##IDAVIT O# #ATS &% SPEI#I NEGATIVE AVER!ENT
A 'erifie( plain )tate*ent of fact)
NOTIE TO AGENT IS NOTIE TO PRINIPAL
NOTIE TO PRINIPAL IS NOTIE TO AGENT
2& t-e ,le(- and blood Man known a( 7pperca(e' 8ower& -ereina,ter KDeclarantL& do -ereby
a,,ir" and declare t-at 2 a" o, legal age& -a.e ,ir(t -and knowledge o, t-e ,act( contained
-erein& a" expen(i.ely educated& -ig-ly ?uali,ied and a ,or"er c-artered accountant/
T-ere,ore& 2 certainly ,eel "ore t-an co"petent enoug- to "ake t-i( .eri,ied plain (tate"ent
o, t-e ,act( in relation to t-e account re,erenced on Page ! o, @ o, t-i( *,,ida.it/
T-ere,ore& let it be known by t-o(e re(pon(ible ,or t-e corporate entity known a( C*P2T*8
T6O E7ROPE (KRe(pondentL)& and any rele.ant parent or (ub(idiary co"pany& including it(
director(& (-are-older(& agent( and a,,iliate(& t-at 2 do -ereby (tate t-at t-e ,ollowing i(& to t-e
.ery be(t o, "y knowledge& true& correct and co"plete& pre(ented in good ,ait-& and not
intended to "i(lead in any way/
!/ Declarant -a( (een no e.idence t-at RE=PO+DE+T i( not in "ultiple di(-onour o,
regi(tered legal notice( (er.ed by t-e Declarant in relation to t-e abo.e account& and belie.e(
t-at no (uc- e.idence exi(t(/
#/ Declarant -a( (een no e.idence t-at RE=PO+DE+T -a( not di(-onoured legal tender o,
pay"ent pre(ented by =TR*6M*+ in relation to t-e abo.e account& and belie.e( t-at no
(uc- e.idence exi(t(/
A/ Declarant -a( (een no e.idence t-at a properly endor(ed Fre"ittance4 i( not legal (pecie o,
"oney& and belie.e( t-at no (uc- e.idence exi(t(/
@/ Declarant -a( (een no e.idence t-at =TR*6M*+4= liability -a( not been legally di(c-arged
by RE=PO+DE+T4= di(-onour o, (aid pre(ent"ent o, pay"ent& and belie.e( t-at no (uc-
e.idence exi(t(/
C/ Declarant -a( (een no e.idence t-at RE=PO+DE+T -a( returned t-e balance to Mero on t-e
account re,erenced on Page ! o, @& a( agreed by RE=PO+DE+T in it( di(-onour o, (aid legal
notice(& and belie.e( t-at no (uc- e.idence exi(t(/
/ Declarant -a( (een no e.idence t-at RE=PO+DE+T -a( t-e legal rig-t or t-e Declarant4(
con(ent to telep-one =TR*6M*+4= place o, work& "obile p-one or "ailing location& and
belie.e( t-at no (uc- e.idence exi(t(/
N/ Declarant -a( (een no e.idence t-at RE=PO+DE+T& in it( telep-onic -ara(("ent o, t-e
Declarant at =TR*6M*+4= place o, work& and it( repeated telep-oning o, =TR*6M*+4=
"ailing location& doe( not con(titute contacting t-e alleged debtor at unrea(onable ti"e(& and
belie.e( t-at no (uc- e.idence exi(t(/
%/ Declarant -a( (een no e.idence t-at RE=PO+DE+T& in it( pur(uit o, t-e exclu(i.ely
aut-ori(ed *gent 9 *d"ini(trator ,or =TR*6M*+& i( not pur(uing a t-ird party w-o i( not
liable ,or pay"ent& and belie.e( t-at no (uc- e.idence exi(t(/
:/ Declarant -a( (een no e.idence t-at RE=PO+DE+T& in it( p(yc-ological -ara(("ent o, t-e
exclu(i.ely aut-ori(ed *gent 9 *d"ini(trator& i( not putting pre((ure on a t-ird party t-at i(
con(idered to be oppre((i.e& and belie.e( t-at no (uc- e.idence exi(t(/
!$/ Declarant -a( (een no e.idence t-at RE=PO+DE+T -a( en(ured t-at ade?uate -i(tory o,
t-e di(c-arged debt -a( been appropriately pa((ed on& re(ulting in bot- repetiti.e and
,re?uent contact by di,,erent partie(& and belie.e( t-at no (uc- e.idence exi(t(/
!!/ Declarant -a( (een no e.idence t-at RE=PO+DE+T -a( ignored and0or di(regarded t-e
Declarant4( clai" t-at any pre.iou( liability -a( now been di(c-arged& and belie.e( t-at no
(uc- e.idence exi(t(/
!#/ Declarant -a( (een no e.idence t-at RE=PO+DE+T i( legally entitled to di(clo(e or
t-reaten to di(clo(e detail( o, t-e alleged debt to t-ird partie(& and belie.e( t-at no (uc-
e.idence exi(t(/
!A/ Declarant -a( (een no e.idence t-at RE=PO+DE+T -a( not ,ailed to in.e(tigate a di(puted
debt in t-e appropriate "anner& re(ulting in t-e wrong,ul pur(uit o, an alleged debtor& and
belie.e( t-at no (uc- e.idence exi(t(/
!@/ Declarant -a( (een no e.idence t-at RE=PO+DE+T -a( cea(ed collection acti.ity w-il(t
in.e(tigating (aid di(puted debt& and belie.e( t-at no (uc- e.idence exi(t(/
!C/ Declarant -a( (een no e.idence t-at RE=PO+DE+T i( not clai"ing collection co(t( ,ro"
an alleged debtor in t-e ab(ence o, expre(( contractual or ot-er legal pro.i(ion& and belie.e(
t-at no (uc- e.idence exi(t(/
!/ Declarant -a( (een no e.idence t-at RE=PO+DE+T i( not applying unrea(onable c-arge(
w-ic- are not ba(ed on actual and nece((ary co(t(& and belie.e( t-at no (uc- e.idence exi(t(/
!N/ Declarant -a( (een no e.idence t-at RE=PO+DE+T -a( not engaged in bu(ine(( practice(
w-ic- appear deceit,ul& oppre((i.e& un,air and i"proper& w-et-er unlaw,ul or not& and
belie.e( t-at no (uc- e.idence exi(t(/
!%/ Declarant -a( (een no e.idence t-at RE=PO+DE+T -a( ,ully di(clo(ed in,or"ation
pertaining to any a((u"ed& pre(u"ed or i"plied Con(u"er Credit *gree"ent between t-e
partie(& and belie.e( t-at no (uc- e.idence exi(t(/
!:/ Declarant -a( (een no e.idence t-at RE=PO+DE+T -a( not& t-roug- it( "ultiple
di(-onour o, legal notice( and tender o, pay"ent& agreed to pay t-e exclu(i.ely aut-ori(ed
*gent 9 *d"ini(trator4( 5ee =c-edule in relation to t-e account re,erenced on Page ! o, @&
legal notice o, w-ic- -a( already been appropriately (er.ed& and belie.e( t-at no (uc-
e.idence exi(t(/
5urt-er"ore& ,ollowing detailed and exten(i.e re(earc- on t-e deception& greed and
corruption t-at i( all too co""on in t-e ,ictional world o, co""erce'
#$/ Declarant -a( (een no e.idence t-at a legally en,orceable bilateral contract exi(t( between
RE=PO+DE+T and =TR*6M*+& excluding t-e o,,er( pre(ented by =TR*6M*+ to
RE=PO+DE+T& w-ic- were tacitly accepted by RE=PO+DE+T& a( e.idenced by t-e legal
notice( t-at were (ent by =TR*6M*+ by recorded "ail and (ub(e?uently di(-onoured by
RE=PO+DE+T& and belie.e( t-at no (uc- e.idence exi(t(/
#!/ Declarant -a( (een no e.idence t-at RE=PO+DE+T i( not atte"pting to aggre((i.ely
en,orce an in.alid clai"& and belie.e( t-at no (uc- e.idence exi(t(/
##/ Declarant -a( (een no e.idence t-at RE=PO+DE+T i( able to pro.ide .eri,ication o, t-e
alleged debt owed by =TR*6M*+& and belie.e( t-at no (uc- e.idence exi(t(/
#A/ Declarant -a( (een no e.idence t-at RE=PO+DE+T i( able to pro.ide .alidation o, t-e
alleged debt owed by =TR*6M*+& and belie.e( t-at no (uc- e.idence exi(t(/
#@/ Declarant -a( (een no e.idence o, RE=PO+DE+T4= .aluable con(ideration pertaining to
t-e account re,erenced on Page ! o, @& and belie.e( t-at no (uc- e.idence exi(t(/
#C/ Declarant -a( (een no e.idence t-at RE=PO+DE+T doe( not balance it( account( e.ery
ti"e t-e exclu(i.ely aut-ori(ed *gent 9 *d"ini(trator (ign( ,or a credit card purc-a(e or
enter( t-e appropriate pin nu"ber& and belie.e( t-at no (uc- e.idence exi(t(/
#/ Declarant -a( (een no e.idence t-at t-e RE=PO+DE+T4= di(-onour o, Declarant4( tender
o, pay"ent did not tran(,er all liability in t-i( "atter to RE=PO+DE+T& a( -older in due
cour(e o, Declarant4( con(ideration& and belie.e( t-at no (uc- e.idence exi(t(/
#N/ Declarant -a( (een no e.idence t-at notary certi,ication o, (aid di(-onour would not
co"pri(e RE=PO+DE+T4= con,e((ion to o,,ering a c-o(e in action ,or all (uc- liabilitie(& and
belie.e( t-at no (uc- e.idence exi(t(
#%/ Declarant -a( (een no e.idence t-at notary certi,ication o, (aid di(-onour would not
co"pri(e t-e RE=PO+DE+T4= (tipulation t-at no ,act( are in di(pute and no contro.er(y
exi(t( in t-e abo.e1noted "atter& and belie.e( t-at no (uc- e.idence exi(t(/
#:/ Declarant -a( (een no e.idence t-at notary certi,ication o, (aid di(-onour would not
co"pri(e *d"ini(trati.e De,ault <udg"ent& binding RE=PO+DE+T pur(uant to .oluntary
agree"ent& and belie.e( t-at no (uc- e.idence exi(t(/
A$/ Declarant -a( (een no e.idence t-at (uc- notary certi,ication would not create a
per"anent and irre.ocable e(toppel by ac?uie(cence a( an operation o, law& barring t-e
bringing o, any and all ,urt-er 3udicial or ad"ini(trati.e action( pertaining to t-i( "atter&
w-et-er again(t Declarant4( property& collateral& intere(t(& ,reedo" and liberty& and belie.e(
t-at no (uc- e.idence exi(t(/
A!/ Declarant -a( (een no e.idence t-at& upon (uc- notary4( certi,ication& t-e RE=PO+DE+T
would not -a.e wai.ed ,or all ti"e all rig-t(& re"edie( and de,ence( in and at law& e?uity&
co""erce and ad"iralty regarding t-e abo.e1re,erenced "atter and con(e?uential action(
w-ic- "ay be broug-t to cure t-e RE=PO+DE+T4= co""ercial di(-onour(& and (uc- wai.er
o, rig-t( (-all include& wit-out li"itation& wai.er o, t-e rig-t to argue& rai(e a contro.er(y or
initiate litigation or arbitration in any .enue or 3uri(diction& w-et-er ,oreign or do"e(tic& and
belie.e( t-at no (uc- e.idence exi(t(/
A#/ Declarant -a( (een no e.idence t-at t-e (aid di(-onour doe( not co"pri(e
RE=PO+DE+T4= agree"ent by way o, de,ault to t-e ,iling o, (uc- con(e?uential action(&
3udicial or ad"ini(trati.e& a( Declarant "ay dee" nece((ary& and belie.e( t-at no (uc-
e.idence exi(t(/
AA/ Declarant -a( (een no e.idence t-at t-e (aid di(-onour doe( not co"pri(e
RE=PO+DE+T4= tacit agree"ent o, t-e ,act( li(ted on all +otice( and =c-edule( deli.ered to
t-e RE=PO+DE+T in relation to t-i( "atter& and belie.e( t-at no (uc- e.idence exi(t(/
A@/ Declarant -a( (een no e.idence contra.ening t-e "axi" o, law t-at (ilence co"pri(e(
agree"ent in co""erce& e?uity& ad"iralty& 8ex Mercatoria and public policy& and belie.e(
t-at no (uc- e.idence exi(t(/
AC/ Declarant -a( (een no e.idence contra.ening t-e "axi" o, law t-at an a,,ida.it (tand( a(
trut- in co""erce& e?uity& ad"iralty& 8ex Mercatoria and public policy& unle(( rebutted&
point1by1point& by an a,,ida.it w-ic- i( (worn to t-e (a"e degree o, co""ercial ri(k& and
belie.e( t-at no (uc- e.idence exi(t(/
A/ Declarant -a( (een no e.idence t-at an an(wer indicating K+*L& Knot applicableL&
Kinappo(iteL or (i"ilar di(-onour(& or ,ailure to an(wer any point -erein would not be
unre(pon(i.e and co"pri(e (tipulation to all ,act( in t-i( *,,ida.it& pur(uant to t-e "axi"
t-at (ilence co"pri(e( agree"ent& and Declarant belie.e( t-at no (uc- e.idence exi(t(/
AN/ Declarant -a( (een no e.idence t-at ,ailure to re(pond to t-i( ;eri,ied *,,ida.it o, 5act(&
point1by1point& will not co"pri(e t-e RE=PO+DE+T4= a,,ir"ation& atte(tation and agree"ent
to all ter"( and (tate"ent( contained -erein& and belie.e( t-at no (uc- e.idence exi(t(/
O!!ERIAL A##IDAVIT OATH AND VERI#IATION
2& 7pper1Ca(e' 8ower & t-e exclu(i.ely *ut-ori(ed Repre(entati.e& *gent 9 *d"ini(trator ,or
=TR*6M*+& -ereby certi,y upon "y own co""ercial liability t-at 2 -a.e read Page( !1@ o,
t-i( *,,ida.it& and& to t-e .ery be(t o, "y knowledge& t-e ,act( contained -erein are true&
correct and co"plete& not "i(leading& and (-ould be con(idered a .eri,ied plain (tate"ent o,
t-e ,act( a( 2 percei.e t-e"/L
7(e o, a +otary Public i( ,or atte(tation and .eri,ication purpo(e( only and doe( not con(titute
a c-ange in (tatu( or entrance or acceptance o, ,oreign 3uri(diction/
*utograp-ed and (ealed t-i(& t-e (ixteent- day o, Marc-& in t-e year known a( two t-ou(and
and nine/ ;oid w-ere pro-ibited by law/
Rig-t t-u"bprint'
=worn 9 =ub(cribed By' 7pperca(e'8ower
OOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOO
All Ri+,t) Re)er'e( Wit,out Pre-u(ice Non$A))u*p)it
*utograp-ed 9 =ealed in t-e pre(ence o,'
+otary Public' =eal'
Dated' OOOOO Day o, OOOOOOOOOOOOOOOOOOOOOO& #$$OOO
+otary Public4( =ignature'OOOOOOOOOOOOOOOOOOOOOOOOOO
Direction) for Re)pon)e
*ll re(pon(e( to t-i( a,,ida.it "u(t be "ade upon ,ull co""ercial liability and under penalty
o, per3ury& and recei.ed by "ail at t-e abo.e +otary4( o,,ice wit-in N ((e.en) day( o, (er.ice/
5ailure to re(pond to t-i( a,,ida.it in an appropriate and ti"ely "anner will re(ult in an
auto"atic de,ault 3udge"ent& e(tabli(-ing per"anent and irre.ocable e(toppel by
ac?uie(cence& ,ore.er"ore barring t-e bringing o, any c-arge(& clai"( or lien( under any
(tatute& act& code and by1law again(t 7pper1Ca(e' 8ower (Declarant)/
!urprise suprise, no response was received at the notarys office within the stated time and
the following Notice of Dishonour was duly served.
NOTIE O# DISHONOUR
Notice to t,e principal i) notice to t,e a+ent
Notice to t,e a+ent i) notice to t,e principal
Dear ROB2+ HOODD&
Re' Capital Two Mi(tercard ) *ccount +u"ber' !#A!#A!#A
5ollowing t-e recorded deli.ery o, t-e *552D*;2T O5 +EE*T2;E *;ERME+T to C*P2T*8
T6O B*+B (E7ROPE) P8C on #$ Marc- #$$: in relation to t-e abo.e account& and t-e
(ub(e?uent ,ailure o, C*P2T*8 T6O B*+B (E7ROPE) P8C to deli.er a re(pon(e wit-in t-e
(tated ti"e and in t-e appropriate "anner& 2 -ereby (er.e +OT2CE O5 D2=HO+O7R/
8egal Maxi"('
=ilence co"pri(e( agree"ent in co""erce& e?uity& ad"iralty& 8ex Mercatoria and public
policy/
*n a,,ida.it (tand( a( trut- in co""erce& e?uity& ad"iralty& 8ex Mercatoria and public policy&
unle(( rebutted& point1by1point& by an *,,ida.it w-ic- i( (worn to t-e (a"e degree o,
co""ercial ri(k/
C*P2T*8 T6O B*+B (E7ROPE) P8C4= ,ailure to re(pond to t-e ;ER252ED *552D*;2T O5
5*CT= BD =PEC252C +EE*T2;E *;ERME+T& point1by1point& at t-e (a"e le.el o,
co""ercial ri(k& co"pri(e( t-e Re(pondent4( a,,ir"ation& atte(tation and agree"ent to all
ter"( and (tate"ent( contained t-erein/
T-ere,ore& (ince t-e partie( are now in agree"ent t-at t-e liability o, =TR*6M*+ -a( been
di(c-arged& plea(e return t-e endor(ed in(tru"ent ,or recon(ideration& along wit-
con,ir"ation t-at t-e balance o, t-e abo.e account i( Mero& wit-in t-ree day( o, your receipt o,
t-i( notice/
C*P2T*8 T6O B*+B (E7ROPE) P8C (-ould al(o be ad.i(ed t-at any ,urt-er de"and( ,or
pay"ent "ay be in contra.ention t-e Bill( o, Exc-ange *ct !%%#& t-e 5raud *ct #$$ (ection
A& t-e T-e,t *ct !:% (ection( !N& !%& #! and t-e Protection ,ro" Hara(("ent *ct !::N/ *t no
ti"e -a.e 2 abandoned& i"plied or gi.en con(ent ,or any party to clai" or wit--old proceed(
a( abandoned ,und(/
2n t-e e.ent t-at t-e (aid in(tru"ent -a( been lo(t& t-en (ection : and N$ o, t-e Bill( o,
Exc-ange *ct !%%# "ay apply& in w-ic- ca(e& plea(e (upply bot- your Public 8iability
2n(urance policy nu"ber and your T2+ (Tax 2denti,ication +u"ber)& in order t-at t-e
nece((ary clai" "ig-t be e,,ected/
6it-out "alice or "i(c-ie,& in (incerity and -onour&
By' 7pper1Ca(e' 8ower (*ut-ori(ed Repre(entati.e)
ALL RIGHTS RESERVED WITHOUT PREJUDIE NON ASSU!PSIT
The usual threats we have all experienced at the hands of credit bandits have been
conspicuous by their absence, as has A)* correspondence from +obin ,oodys in-house debt
collection arm, and a delin.uent debtor report to the credit referencing agencies has not
been filed.
The executive in .uestion, rather than ris& being held personally liable for fraud, has now
closed the account and passed the legally discharged debt on to a third party interloper with
no legal standing, who has sent a very polite letter attempting to establish a new agreement.
)evertheless, it has ta&en five months to achieve this, using a process which is definitely not
for the faint-hearted. !ince the beginning of the tale new information has come to light that
suggests that there is a much more efficient way to enforce Accepted For /alue technology.
NOTIE O# INVALID LAI!
Dear C-ie, Executi.e O,,icer o, Ard Party 2nterloper(&
2+TER8OPER RE5ERE+CE' !#A!#A!#A
2 -ereby (er.e legal notice t-at 2+TER8OPER -a( "ade an in.alid clai" again(t
=TR*6M*+& in relation to a di(c-arged liability wit- C*P2T*8 T6O B*+B E7ROPE/
T-e alleged debt -a( been legally di(c-arged pur(uant to t-e Engli(- Bill( o, Exc-ange *ct
!%%#& ,ollowing C*P2T*8 T6O B*+B E7ROPE4= di(-onour o, legal tender o, pay"ent& and
it( (ub(e?uent ,ailure to re(pond to a notari(ed *552D*;2T O5 +EE*T2;E *;ERME+T&
w-ic- wa( deli.ered to your client on #! Marc- #$$: by recorded "ail& creating per"anent&
irre.ocable e(toppel and ad"ini(trati.e De,ault <udge"ent& .itiating any and all pre.iou(
agree"ent( between C*P2T*8 T6O B*+B E7ROPE and =TR*6M*+/
Plea(e be ad.i(ed t-at 2+TER8OPER4= pur(uit o, t-i( ,al(e clai" again(t =TR*6M*+ "ay be
in contra.ention o, t-e =tatute o, 5raud( *ct !N& w-ic- clearly (tate('
2; +oe action (-all be broug-tP5# w-ereby to c-arge t-e De,endant upon any (pecial
pro"i(e to an(wer ,or t-e debt de,ault or "i(carriage( o, anot-er per(onP5A unle((e t-e
*gree"ent upon w-ic- (uc- *ction (-all be broug-t or (o"e Me"orandu" or +ote t-ereo,
(-all be in writing and (igned by t-e partie to be c-arged t-erewit- or (o"e ot-er per(on
t-ereunto by -i" law,ully aut-oriMed/L
5or t-e a.oidance o, doubt& at no point -a( =TR*6M*+ entered into or con(ented to any
*gree"ent o, any kind wit- 2+TER8OPER& nor doe( =TR*6M*+ con(ent to any *gree"ent&
w-et-er expre(( or i"plied& wit- 2+TER8OPER/
5urt-er"ore& t-e 5raud *ct #$$ (tate( t-at'
! 5raud
(!) * per(on i( guilty o, ,raud i, -e i( in breac- o, any o, t-e (ection( li(ted on (ub(ection (#)
(w-ic- pro.ide ,or di,,erent way( o, co""itting t-e o,,ence)/
(#) T-e (ection( are )
(a) (ection # (,raud by ,al(e repre(entation)&
(b) (ection A (,raud by ,ailing to di(clo(e in,or"ation)& and
Q (ection @ (,raud by abu(e o, po(ition)/
(A) * per(on w-o i( guilty o, ,raud i( liable )
(a) on (u""ary con.iction& to i"pri(on"ent ,or a ter" not exceeding !# "ont-( or to a ,ine
not exceeding t-e (tatutory "axi"u" (or to bot-)>
(b) on con.iction on indict"ent& to i"pri(on"ent ,or a ter" not exceeding !$ year( or to a
,ine (or to bot-)/
# 5raud by ,al(e repre(entation
(!) * per(on i( in breac- o, t-i( (ection i, -e )
(a) di(-one(tly "ake( ,al(e repre(entation& and
(b) intend(& by "aking t-e repre(entation )
(i) to "ake gain ,or -i"(el, or anot-er& or
(ii) to cau(e lo(( to anot-er or to expo(e anot-er to a ri(k o, lo((/
(#) * repre(entation i( ,al(e i, )
(a) it i( untrue or "i(leading& and
(b) t-e per(on "aking it know( t-at it i(& or "ig-t be& untrue or "i(leading/
(@) * repre(entation "ay be expre(( or i"plied/
(C) 5or t-e purpo(e( o, t-i( (ection a repre(entation "ay be regarded a( "ade i, it (or
anyt-ing i"plying it) i( (ub"itted in any ,or" to any (y(te" or de.ice de(igned to recei.e&
con.ey or re(pond to co""unication( (wit- or wit-out -u"an inter.ention)/
Plea(e be aware t-at "aking any ,urt-er in.alid clai"( again(t =TR*6M*+ and0or
atte"pting to contact t-e *ut-ori(ed Repre(entati.e by "ail& "obile p-one and0or telep-one&
w-et-er at t-e abo.e "ailing addre(( or at =TR*6M*+4= place o, work& will con(titute t-e
agree"ent o, 2+TER8OPER to t-e ,ollowing 5ee =c-edule'
1 EBPI!C$$/$$ per in.alid clai" in writing ) EBPI!C$$/$$ per notice (ent by recorded "ail
) EBPI!C$/$$ per -our o, t-e *ut-ori(ed Repre(entati.e4( ti"e ) EBPI!C$/$$ per atte"pt
to contact by telep-one
5urt-er"ore& plea(e (upply "e wit- your Public 8iability 2n(urance Policy +u"ber and your
Tax 2denti,ication +u"ber (T2+) in order t-at 2 can in(tigate any and all ad"ini(trati.e
and0or 3udicial procedure( nece((ary to redee" t-e liability t-at you -a.e created by bringing
t-i( in.alid clai" again(t =TR*6M*+/
6it-out "alice or "i(c-ie,& in (incerity and -onour&
By' 7pper1Ca(e' 8ower (*ut-ori(ed Repre(entati.e)
ALL RIGHTS RESERVED WITHOUT PREJUDIE NON ASSU!PSIT
NOTIE O# INVALID LAI!
NOTIE TO AGENT IS NOTIE TO PRINIPAL
NOTIE TO PRINIPAL IS NOTIE TO AGENT
Dear C-ie, Executi.e O,,icer o, 2nterloper( 8i"ited&
RE. /012/012/012
2n re(pon(e to your Calling Card& recei.ed at t-e abo.e "ailing location today& #$ *pril #$$:&
plea(e ,ind enclo(ed a copy o, NOTIE O# INVALID LAI!& w-ic- wa( deli.ered to t-e
C-ie, Executi.e O,,icer o, 2nterloper( 8i"ited by Po(t O,,ice recorded "ail on !N *pril #$$:/
2 -ereby record t-e a((u"ption t-at your Calling Card and (aid NOTIE O# INVALID
LAI!cro((ed in t-e po(t and t-at 2nterloper( 8i"ited -a.e now cea(ed ,ro" all atte"pt( to
collect a legally unen,orceable clai" again(t =TR*6M*+& w-ic- could be con(trued a( ,raud
by ,al(e repre(entation& pur(uant to t-e =tatute o, 5raud( *ct !N and t-e 5raud *ct #$$/
Plea(e be ad.i(ed t-at (-ould you or any ot-er repre(entati.e o, 2nterloper( 8i"ited call in
per(on at t-e abo.e "ailing location in any ,urt-er atte"pt( to collect on t-i( in.alid clai"& a
liability o, EBPI!C$$/$$ per .i(it will be incurred and a co"plaint will be ,iled wit- t-e
C-air"an o, t-e O,,ice o, 5air Trading& ,or t-e purpo(e( o, w-ic- 2nterloper( 8i"ited4( licence
nu"ber RRRRRRRR -a( been duly noted/
5urt-er"ore& plea(e (upply "e wit- your Public 8iability 2n(urance Policy +u"ber and your
Tax 2denti,ication +u"ber (T2+) in order t-at 2 can in(tigate any and all ad"ini(trati.e
and0or 3udicial procedure( t-at 2 dee" to be nece((ary in relation to t-i( "atter/
6it-out "alice or "i(c-ie,& in (incerity and -onour&
By' 7pperca(e' 8ower (*ut-ori(ed Repre(entati.e)
WITHOUT PREJUDIE WITHOUT REOURSE NON$ASSU!PSIT
NOTIE O# INVALID LAI!S
Dear CH2E5 EJEC7T2;E O552CER&
RE. 33334333333
2n re(pon(e to your co"pany4( letter dated $# <une #$$: (enclo(ed Re,u(ed ,or Cau(e)& plea(e
,ind enclo(ed a certi,ied copy o, t-e NOTIE O# INVALID LAI!S& w-ic- wa( (ent to you
at t-e abo.e addre(( on #% *pril #$$:/
Plea(e be ad.i(ed t-at PO6ER#2+TER8OPE 82M2TED& in (ending anot-er in.alid clai" in
writing& -a.e now incurred a liability o, G&P5/6788"88& in accordance wit- t-e 5ee
=c-edule (et ,ort- wit-in (aid notice/
5urt-er"ore& plea(e (upply "e wit- your Public 8iability 2n(urance Policy +u"ber and your
Tax 2denti,ication +u"ber (T2+) in order t-at 2 can in(tigate any and all ad"ini(trati.e
and0or 3udicial procedure( t-at 2 dee" to be nece((ary& in relation t-i( in.alid clai" again(t
=TR*6M*+/
6it-out "alice or "i(c-ie,& in (incerity and -onour&
By' 7pperca(e' 8ower (*ut-ori(ed Repre(entati.e)
WITHOUT PREJUDIE WITHOUT REOURSE NON ASSU!PSIT
NOTIE O# INVALID LAI!S
Dear CH2E5 EJEC7T2;E O552CER&
Re. apital T9o !i)tercar( Account Nu*:er. /012/012/012/012
2n re(pon(e to your co"pany44( 2+PORT*+T +OT2CE& (ent ,or and on be-al, o,
PO6ER#2+TER8OPE 8TD& 2 -ereby (er.e NOTIE O# INVALID LAI!S "ade by
2nterloper 8i"ited& on be-al, o, C*P2T*8 T6O B*+B (E7ROPE) P8C/
Contrary to 2nterloper( 8i"ited4( clai"(& a +OT2CE O5 2+;*82D C8*2M= wa( deli.ered to
Robin Bandit on !# May #$$: by Po(t O,,ice Recorded Deli.ery RRRRRRRRRRRRRRR/ =ince t-i(
+OT2CE wa( ignored& a certi,ied copy o, it wa( (ent by Po(t O,,ice Recorded Deli.ery
RRRRRRRRRRRRRRR on ! May #$$:/ Plea(e ,ind enclo(ed certi,ied copie( o, all corre(pondence
(ent by =TR*6M*+ to 2nterloper( 8i"ited in relation to t-i( "atter/
Plea(e be ad.i(ed t-at any ,urt-er in.alid clai"( "ade by PO6ER#2+TER8OPE 8TD
,ollowing (er.ice o, t-i( +OT2CE& and0or ,urt-er atte"pt( to contact t-e *ut-ori(ed
Repre(entati.e in per(on& by "ail& "obile p-one and0or telep-one& w-et-er at t-e abo.e
"ailing location or at =TR*6M*+4= place o, work& will con(titute t-e agree"ent o,
PO6ER#2+TER8OPE 8TD to t-e ,ollowing De,ault 5ee =c-edule'
1 EBPI!C$$/$$ per in.alid clai" in writing& nunc pro tunc ) EBPI!C$$/$$ per .i(it to t-e
abo.e "ailing location ) EBPI!C$$/$$ per notice (ent by recorded "ail by =TR*6M*+&
nunc pro tunc ) EBPI!C$/$$ per -our o, t-e *ut-ori(ed Repre(entati.e4( ti"e& nunc pro tunc
) EBPI!C$/$$ per atte"pt to contact by telep-one& nunc pro tunc
6it-out "alice or "i(c-ie,& in (incerity and -onour&
By' 7pperca(e' 8ower (*ut-ori(ed Repre(entati.e)
WITHOUT PREJUDIE WITHOUT REOURSE NON ASSU!PSIT
NOTIE O# ATTE!PT TO OLLET AN INVALID LAI!
NOTIE TO AGENT IS NOTIE TO PRINIPAL
NOTIE TO PRINIPAL IS NOTIE TO AGENT
Dear CH2E5 EJEC7T2;E O552CER&
Re. apital T9o !i)tercar( Account Nu*:er. /012/012/012/012
2n re(pon(e to your co"aony4( 2+PORT*+T +OT2CE& (ent ,or and on be-al, o,
PO6ER#2+TER8OPE 8TD& NOTIE O# INVALID LAI!S wa( (ent to you by Po(t O,,ice
Recorded Deli.ery RRRRRRRRRRRRR on #% May #$$:& a Certi,ied Copy o, w-ic- -a( been
enclo(ed wit- t-i( notice& along wit- NOTIE O# #EE SHEDULE/
Plea(e be ad.i(ed t-at an e"ployee o, PO6ER#2+TER8OPE .i(ited t-e abo.e "ailing
location at !!a" EMT on T-ur(day !% <une& clai"ing t-at -e wa( Klooking ,or M2==
=TR*6M*+L/ =ince 2 wa( not pre(ent at t-e ti"e "y partner (poke to Mike *tkin(on (Re,'
!:$@)& w-o a(ked -i" i, KM2== =TR*6M*+L li.ed t-ere& to w-ic- "y partner replied K+oL&
(ince M2== =TR*6M*+ i( a ,ititiou( entity& w-o can neit-er li.e or be (een anyw-ere& and
,or w-ic- 2 a" t-e exclu(i.ely aut-ori(ed repre(entati.e& a( you -a.e already been in,or"ed/
5or t-e a.oidance o, doubt& t-i( alleged liability -a( been (ettled ad"ini(trati.ely by a notarial
proce(> t-e out(tanding balance o, t-e abo.e account -a( been legally di(c-arged pur(uant to
t-e Bill( o, Exc-ange *ct !%%#> and any and all pre.iou( agree"ent( -a.e been .itiated
becau(e o, C*P2T*8 T6O B*+B (E7ROPE) P8C4( ,ailure to pro.ide .alidation and
.eri,ication o, t-e alleged debt and an original bilateral credit agree"ent& in accordance wit-
t-e Con(u"er Credit *ct !:N@ and Con(u"er Credit (*gree"ent() Regulation( !:%A (=2
!:%A0!CCA)/ Plea(e be aware t-at t-e Hou(e o, 8ord(& in t-e ca(e o, 6il(on . 5ir(t County
Tru(t 8td ) S#$$AT *ll ER (D) !%N (<ul)& ruled t-at a credit agree"ent "u(t contain t-e
pre(cribed ter"( and "u(t be (igned in t-e pre(cribed "anner ,or t-e agree"ent to be legally
en,orcable/
T-ere,ore& PO6ER#2+TER8OPE are clearly atte"pting to en,orce an in.alid clai" a,ter
being (er.ed due legal notice t-at t-e debt -a( already been di(c-arged/ Certi,ied Copie( o, all
rele.ant corre(pondence will now be ,orwarded to C-air"an o, t-e O,,ice o, 5air Trading&
<o-n ;icker(& along wit- a re?ue(t t-at -e initiate( an in.e(tigation into
PO6ER#2+TER8OPE4( entirely di(-onourable bu(ine(( practice& w-ic- "ay well be in
contra.ention o, t-e Con(u"er Credit *ct !:N@& Con(u"er Credit (*gree"ent() Regulation(
!:%A (=2 !:%A0!CCA)& t-e abo.e re,erenced ruling o, t-e Hou(e o, 8ord( and t-e O5T4(
Euidance +ote( on 5air Debt Collection/
6it-out "alice or "i(c-ie,& in (incerity and -onour&
By' 7pperca(e' 8ower (*ut-ori(ed Repre(entati.e)
WITHOUT PREJUDIE WITHOUT REOURSE NON ASSU!PSIT
The +obin ,oodies sold the discharged liability to yet another 0rd party interloper, who
immediately served a blood red, highly aggressive and threatening 1+E2'TO+! )OT'1E,
stating clearly that county court proceedings would be initiated if the alleged debt was not
settled within 3 days. the sanitised version of my favourite accountants nuclear-powered
response appears below.
NOTIE O# ONDITIONAL AEPTANE
NOTIE TO AGENT IS NOTIE TO PRINIPAL
NOTIE TO PRINIPAL IS NOTIE TO AGENT
Dear 2+TER8OPER=&
Re' Capital Two Mi(tercard !#A@ !#A@ !#A@ !#A@
5ollowing t-e receipt o, your co"pany4( +OT2CE dated OOOOOOOOOOOOOOOOOO& 2 -ereby
(er.e notice t-at 2 conditionally accept t-e alleged debt o, *88EEED *MO7+T D7E& and will
u(e "y be(t endea.our( to (ettle and clo(e t-e account in t-e "o(t expedient "anner po((ible&
upon receipt o, t-e ,ollowing ite"( at t-e "ailing location abo.e'
!/ * legally en,orceable original credit agree"ent (igned in blue ink by t-e *ut-ori(ed
Repre(entati.e ,or =TR*6M*+
#/ ;eri,ication o, t-e balance due in t-e ,or" o, a true bill
A/ ;alidation o, ROB2+ HOOD2E=4 .aluable con(ideration pertaining to t-e alleged debt& in
t-e ,or" o, t-e actual accounting o, it( lo((e(
@/ Proo, o, clai" t-at t-e out(tanding balance o, t-e abo.e account wa( not legally di(c-arged
pur(uant to =ection @A o, t-e Bill( o, Exc-ange *ct !%%#& w-en ROB2+ HOOD2E= re,u(ed to
accept t-e pay"ent tendered on D*TE O5 TE+DER O5 P*DME+T
C/ Proo, o, clai" t-at any and all pre.iou( credit agree"ent( were not .itiated w-en ROB2+
HOOD2E= ,ailed to pro.ide .alidation and .eri,ication o, t-e alleged debt& or a legally
en,orceable credit agree"ent& pur(uant to t-e Con(u"er Credit *ct !:N@& t-e Con(u"er
Credit (*gree"ent() Regulation( !:%A (=2 !:%A0!CCA) and t-e Hou(e o, 8ord( ruling in t-e
ca(e o, 6il(on . 5ir(t County Tru(t 8td ) S#$$AT *ll ER (D) !%N (<ul)
/ Proo, o, clai" t-at t-i( alleged liability -a( not been (ettled ad"ini(trati.ely& ,ollowing
ROB2+ HOOD2E=4( ,ailure to re(pond appropriately to a notari(ed ;ER252ED *552D*;2T
O5 5*CT= BD =PEC252C +EE*T2;E *;ERME+T
N/ Proo, o, clai" t-at ROB2+ HOOD2E= i( not in "ultiple breac- o, t-e O,,ice o, 5air
Trading4( 5inal Euidance on 7n,air Bu(ine(( Practice( <uly #$$A (updated Dece"ber #$$)
Di(-onour o, t-i( +OT2CE O5 CO+D2T2O+*8 *CCEPT*+CE by ,ailing to pro.ide t-e(e
rea(onably re?ue(ted ite"( wit-in (e.en (N) day( o, ROD*8 M*28 =PEC2*8 DE82;ERD B*R
CODE +7MBER& will con(titute t-e .oluntary agree"ent o, 2+TER8OPER= 82M2TED t-at it
-a( aggre((i.ely and un,airly atte"pted to collect an in.alid clai"& and in (o doing& it -a(
cau(ed in3ury to =TR*6M*+& ,or w-ic- t-e *ut-ori(ed Repre(entati.e ,or =TR*6M*+ i(
legally entitled to "ake a co""ercial clai" t-roug- t-e county court( ,or t-ree ti"e( t-e
.alue o, t-e alleged debt& in t-e e.ent t-at all a.ailable pri.ate ad"ini(trati.e re"edie( -a.e
already been ex-au(ted/
2n (incerity and -onour& wit-out "alice& "i(c-ie,& ill will& .exation or ,ri.olity&
By' 7pper1Ca(e' 8ower (*ut-ori(ed Repre(entati.e)
WITHOUT PREJUDIE WITHOUT REOURSE NON ASSU!PSIT
4ithin three days of receiving this, the interlopers replied with the following letter5
Dear =TR*6M*+&
Re' Capital Two Mi(tercard !#A@ !#A@ !#A@ !#A@
5urt-er to your recent contact wit- our o,,ice and your re?ue(t ,or ,urt-er in,or"ation in
relation to t-e abo.e account& we would con,ir" t-at your account i( now on -old ,or #% day(
w-il(t we obtain t-e in,or"ation re?uired/
2, you -a.e any proo, o, pay"ent( or corre(pondence t-at would a((i(t wit- your ?uery&
plea(e ,orward t-e(e docu"ent(& wit- a brie, co.ering letter& to our Collection(
*d"ini(tration depart"ent& (o t-at we can re(ol.e t-e "atter a( (oon a( po((ible/
Dour( (incerely&
Collection( *d"ini(tration Depart"ent/
Oh dear. 't seems that the 1EO has created a liability of the 0 times the value of the invalid
claim, which is why he is attempting to establish a new agreement with the collections
department. 4ith a notarised administrative 6udgment in hand, there can be no doubt that
the final settlement and closure of the matter has materialised on the hori7on.
PR2;*TE 9 CO+52DE+T2*8
CH2E5 EJEC7T2;E ROB2+ HOODD
ROB2+ HOOD2E= 82M2TED
*DDRE==
PO=T CODE
COMP*+D +7MBER' JJJJJJ
82CE+CE +7MBER' JJJJJJ
D*TE
+OT2CE O5 CO+D2T2O+*8 *CCEPT*+CE
+OT2CE TO *EE+T 2= +OT2CE TO PR2+C2P*8
+OT2CE TO PR2+C2P*8 2= +OT2CE TO *EE+T
Dear CH2E5 EJEC7T2;E ROB2+ HOODD&
Re' *ccount +u"ber' JJJJ JJJJ JJJJ JJJJ
5ollowing t-e receipt o, your co"pany4( +OT2CE dated OOOOOOOOOOOOOOOOOO& 2 -ereby
(er.e notice t-at 2 conditionally accept t-e alleged debt o, *88EEED *MO7+T D7E& and will
u(e "y be(t endea.our( to (ettle and clo(e t-e account in t-e "o(t expedient "anner po((ible&
upon receipt o, t-e ,ollowing ite"( at t-e "ailing location abo.e'
!/ * legally en,orceable original credit agree"ent (igned in blue ink by t-e *ut-ori(ed
Repre(entati.e ,or =TR*6M*+
#/ ;eri,ication o, t-e balance due in t-e ,or" o, a true bill
A/ ;alidation o, ROB2+ HOOD2E=4 .aluable con(ideration pertaining to t-e alleged debt& in
t-e ,or" o, t-e actual accounting o, it( lo((e(
@/ Proo, o, clai" t-at t-e out(tanding balance o, t-e abo.e account wa( not legally di(c-arged
pur(uant to =ection @A o, t-e Bill( o, Exc-ange *ct !%%#& w-en ROB2+ HOOD2E= re,u(ed to
accept t-e pay"ent tendered on D*TE O5 TE+DER O5 P*DME+T
C/ Proo, o, clai" t-at any and all pre.iou( credit agree"ent( were not .itiated w-en ROB2+
HOOD2E= ,ailed to pro.ide .alidation and .eri,ication o, t-e alleged debt& or a legally
en,orceable credit agree"ent& pur(uant to t-e Con(u"er Credit *ct !:N@& t-e Con(u"er
Credit (*gree"ent() Regulation( !:%A (=2 !:%A0!CCA) and t-e Hou(e o, 8ord( ruling in t-e
ca(e o, 6il(on . 5ir(t County Tru(t 8td ) S#$$AT *ll ER (D) !%N (<ul)
/ Proo, o, clai" t-at t-i( alleged liability -a( not been (ettled ad"ini(trati.ely& ,ollowing
ROB2+ HOOD2E=4( ,ailure to re(pond appropriately to a notari(ed ;ER252ED *552D*;2T
O5 5*CT= BD =PEC252C +EE*T2;E *;ERME+T dated OOOOOOOOOOOOOO/
N/ Proo, o, clai" t-at ROB2+ HOOD2E= i( not in "ultiple breac- o, t-e O,,ice o, 5air
Trading4( 5inal Euidance on 7n,air Bu(ine(( Practice( <uly #$$A (updated Dece"ber #$$)
Di(-onour o, t-i( +OT2CE O5 CO+D2T2O+*8 *CCEPT*+CE by ,ailing to pro.ide t-e(e
rea(onably re?ue(ted ite"( wit-in (e.en (N) day( o, ROD*8 M*28 =PEC2*8 DE82;ERD
B*RCODE +7MBER& will co"pri(e t-e tacit procuration o, ROB2+ HOOD2E=4 agree"ent
t-at it -a( aggre((i.ely and un,airly atte"pted to collect an in.alid clai"& and in (o doing& it
-a( cau(ed in3ury to =TR*6M*+& ,or w-ic- t-e *ut-ori(ed Repre(entati.e ,or =TR*6M*+
i( legally entitled to "ake a co""ercial clai" t-roug- t-e county court( ,or t-ree ti"e( t-e
.alue o, t-e alleged debt& in t-e e.ent t-at all a.ailable pri.ate ad"ini(trati.e re"edie( -a.e
already been ex-au(ted/
2n (incerity and -onour& wit-out "alice& "i(c-ie,& ill will& .exation or ,ri.olity&
By' 7pper1Ca(e' 8ower (*ut-ori(ed Repre(entati.e)
62THO7T PRE<7D2CE ) 62THO7T RECO7R=E ) +O+ *==7MP=2T
Error( 9 O"i((ion( Excepted
At this point, my favourite former chartered accountant saw fit to appoint an Agent in
1ommerce, in the genuine hope of settling and closing the matter8
PR2;*TE 9 CO+52DE+T2*8
ROB2+ HOODD
CH2E5 EJEC7T2;E O552CER
C*P2T*8 T6O B*+B (E7ROPE) P8C
PO BOJ
#@ <uly #$$:
+OT2CE O5 *PPO2+TME+T
+OT2CE TO *EE+T 2= +OT2CE TO PR2+C2P*8
+OT2CE TO PR2+C2P*8 2= +OT2CE TO *EE+T
Dear ROB2+ HOODD&
Re' *ccount +u"ber' JJJJ JJJJ JJJJ JJJJ
2 -ereby (er.e notice t-at *EE+T4= =TR*6M*+U -a( been appointed a( t-e exclu(i.ely
aut-ori(ed *gent ,or =TR*6M*+ (9 all deri.ati.e( t-ereo,)& in t-e genuine -ope t-at we
"ig-t (ettle and clo(e any and all di(puted "atter( pertaining to t-e abo.e account& in t-e
"o(t -onourable and expedient "anner po((ible/
T-ere,ore& plea(e be ad.i(ed t-at all ,urt-er corre(pondence "u(t be (ent to'
*EE+T4= =TR*6M*+U
*gent ,or =TR*6M*+
=TR*6M*+4= *DDRE==
5ailure to -onour t-i( expre(( (tipulation will re(ult in a c-arge o, EBPI!C$/$$ being le.ied
again(t C*P2T*8 T6O B*+B (E7ROPE) P8C ,or e.ery ite" o, unaut-ori(ed corre(pondence
recei.ed by =TR*6M*+/
6it-out "alice& "i(c-ie,& ill will& ,ri.olity or .exation& in (incerity and -onour&
By' 7pper1Ca(e' 8ower
*ut-ori(ed Repre(entati.e ,or *EE+T4= =TR*6M*+U
*gent ,or =TR*6M*+ (9 all deri.ati.e( t-ereo,)
6it-out Pre3udice ) 6it-out Recour(e ) +on1*((u"p(it
Error( 9 O"i((ion( Excepted
PR2;*TE 9 CO+52DE+T2*8
ROB2+ HOODD
C*P2T*8 T6O B*+B (E7ROPE) P8C
PO BOJ
$N *ugu(t #$$:
+OT2CE O5 D2=HO+O7R 9 OPPORT7+2TD TO C7RE
+OT2CE TO *EE+T 2= +OT2CE TO PR2+C2P*8
+OT2CE TO PR2+C2P*8 2= +OT2CE TO *EE+T
Dear ROB2+ HOODD&
Re' *ccount +u"ber' JJJJ JJJJ JJJJ JJJJ
5ollowing your co"pany4( di(-onour o, =TR*6M*+4( +OT2CE O5 CO+D2T2O+*8
*CCEPT*+CE dated #N <uly #$$:& 2 -ereby (er.e +OT2CE O5 D2=HO+O7R 9
OPPORT7+2TD TO C7RE/ Bindly pro.ide t-e ,ollowing ite"( at t-e "ailing location below
wit-out ,urt-er delay'
!/ * legally en,orceable original credit agree"ent (igned in blue ink
#/ ;eri,ication o, t-e balance due in t-e ,or" o, a true bill
A/ ;alidation o, C*P2T*8 T6O B*+B (E7ROPE) P8C4( .aluable con(ideration pertaining to
t-e alleged debt& in t-e ,or" o, t-e actual accounting o, your co"pany4( lo((e(
@/ Proo, o, clai" t-at t-e out(tanding balance o, t-e abo.e account wa( not legally di(c-arged
pur(uant to =ection @A o, t-e Bill( o, Exc-ange *ct !%%#& w-en C*P2T*8 T6O B*+B
(E7ROPE) P8C re,u(ed to accept t-e pay"ent tendered on A <anuary #$$%
C/ Proo, o, clai" t-at any and all pre.iou( credit agree"ent( were not .itiated w-en C*P2T*8
T6O B*+B (E7ROPE) P8C ,ailed to pro.ide .alidation and .eri,ication o, t-e alleged debt&
or a legally en,orceable credit agree"ent& pur(uant to t-e Con(u"er Credit *ct !:N@& t-e
Con(u"er Credit (*gree"ent() Regulation( !:%A (=2 !:%A0!CCA) and t-e Hou(e o, 8ord(
ruling in t-e ca(e o, 6il(on . 5ir(t County Tru(t 8td ) S#$$AT *ll ER (D) !%N (<ul)
/ Proo, o, clai" t-at t-i( alleged liability -a( not been (ettled ad"ini(trati.ely& ,ollowing
C*P2T*8 T6O B*+B (E7ROPE) P8C4( ,ailure to re(pond appropriately to a notari(ed
;ER252ED *552D*;2T O5 5*CT= BD =PEC252C +EE*T2;E *;ERME+T dated ! Marc-
#$$:
N/ Proo, o, clai" t-at C*P2T*8 T6O B*+B (E7ROPE) P8C i( not in "ultiple breac-e( o, t-e
O,,ice o, 5air Trading4( 5inal Euidance on 7n,air Bu(ine(( Practice( (updated Dece"ber
#$$)
Di(-onour o, t-i( +OT2CE& by ,ailing to pro.ide t-e(e rea(onably re?ue(ted (peci,ic ite"(
wit-in (e.en (N) day( o, (er.ice& will co"pri(e t-e tacit procuration o, C*P2T*8 T6O B*+B
(E7ROPE) P8C4( agree"ent t-at it -a( aggre((i.ely and un,airly atte"pted to collect an
in.alid clai"& and in (o doing& C*P2T*8 T6O B*+B (E7ROPE) P8C -a( cau(ed in3ury to
=TR*6M*+& ,or w-ic- =TR*6M*+ i( legally entitled to "ake a co""ercial clai" t-roug-
t-e county court( ,or at lea(t t-ree ti"e( t-e .alue o, t-e in.alid clai"& plu( t-e alleged
principal& in t-e e.ent t-at all a.ailable pri.ate ad"ini(trati.e re"edie( -a.e already been
ex-au(ted/
6it-out "alice& "i(c-ie,& ill will& ,ri.olity or .exation& in (incerity and -onour&
By' 7pper1Ca(e' 8ower
*ut-ori(ed Repre(entati.e ,or *EE+T4= =TR*6M*+U
*gent in Co""erce ,or =TR*6M*+ (9 all deri.ati.e( t-ereo,)
6it-out Pre3udice ) 6it-out Recour(e ) +on1*((u"p(it
Error( 9 O"i((ion( Excepted
PR2;*TE 9 CO+52DE+T2*8
+E28 M*C57CB& D2RECTOR
M*C57CB DEBT RECO;ERD 82M2TED
# HE*RT8E== E*RDE+=
HOCBPORT HP 57
!! *ugu(t #$$:
+OT2CE O5 CO+D2T2O+*8 *CCEPT*+CE
+OT2CE TO *EE+T 2= +OT2CE TO PR2+C2P*8
+OT2CE TO PR2+C2P*8 2= +OT2CE TO *EE+T
Dear +E28 M*C57CB&
Re' *ccount +u"ber' JJJJ JJJJ JJJJ JJJJ
5ollowing receipt o, your co"pany4( letter on !$ *ugu(t #$$:& in "y capacity a( *gent in
Co""erce (notice enclo(ed)& 2 -ereby (er.e notice t-at M2== =TR*6M*+ conditionally
accept( t-e alleged debt o, 5i.e Hundred 9 +inety Two Ereat Briti(- Pound( 9 =ixteen Pence&
and agree( to u(e be(t endea.our( to (ettle and clo(e t-e account in t-e "o(t expedient
"anner po((ible& upon receipt o, t-e ,ollowing ite"( at t-e "ailing location below'
!/ * legally en,orceable original credit agree"ent (igned in blue ink
#/ ;eri,ication o, t-e balance due in t-e ,or" o, a true bill
%/ ;alidation o, your client4( .aluable con(ideration& in t-e ,or" o, t-e actual accounting o, it(
lo((e(
:/ Proo, t-at t-e out(tanding balance o, t-e abo.e account wa( not legally di(c-arged
pur(uant to =ection @A o, t-e Bill( o, Exc-ange *ct !%%#& w-en your client re,u(ed to accept
t-e pay"ent tendered on A <anuary #$$:
!$/ Proo, t-at any and all pre.iou( credit agree"ent( were not .itiated& w-en& upon
rea(onable re?ue(t& your client ,ailed to pro.ide .alidation and .eri,ication o, t-e alleged debt
or a legally en,orceable credit agree"ent& pur(uant to t-e Con(u"er Credit *ct !:N@& t-e
Con(u"er Credit (*gree"ent() Regulation( !:%A (=2 !:%A0!CCA) and t-e Hou(e o, 8ord(
ruling in t-e ca(e o, 6il(on . 5ir(t County Tru(t 8td ) S#$$AT *ll ER (D) !%N (<ul)
!!/ Proo, t-at t-i( alleged liability -a( not already been (ettled ad"ini(trati.ely& ,ollowing your
client4( ,ailure to re(pond appropriately to a notari(ed ;ER252ED *552D*;2T O5 5*CT= BD
=PEC252C +EE*T2;E *;ERME+T dated ! Marc- #$$:
!#/ Proo, t-at M*C57CB DEBT RECO;ERD 82M2TED and it( client& C*P2T*8 T6O B*+B
(E7ROPE) P8C& are not in "ultiple breac-e( o, t-e O,,ice o, 5air Trading4( 5inal Euidance on
7n,air Bu(ine(( Practice( (updated Dece"ber #$$)
Di(-onour o, t-i( +OT2CE O5 CO+D2T2O+*8 *CCEPT*+CE& by ,ailing to pro.ide t-e(e
rea(onably re?ue(ted ite"( wit-in (e.en (N) day( o, your co"pany4( receipt o, t-i( notice& will
co"pri(e t-e tacit procuration o, M*C57CB DEBT RECO;ERD 82M2TED4( agree"ent t-at it
-a( aggre((i.ely and un,airly atte"pted to collect an in.alid clai"& and in (o doing& your
co"pany -a( cau(ed in3ury to M2== =TR*6M*+& ,or w-ic- t-e in3ured party i( legally
entitled to "ake a co""ercial clai" t-roug- t-e county court(& ,or at lea(t t-ree ti"e( t-e
.alue o, your co"pany4( in.alid clai"& plu( t-e principal& in t-e e.ent t-at all a.ailable pri.ate
ad"ini(trati.e re"edie( -a.e already been ex-au(ted/
6it-out "alice& "i(c-ie,& ill will& ,ri.olity or .exation& in (incerity and -onour&
By' 7pper1Ca(e' 8ower
*ut-ori(ed Repre(entati.e ,or *EE+T4= =TR*6M*+U
*gent in Co""erce ,or M2== =TR*6M*+ (9 all deri.ati.e( t-ereo,)
6it-out Pre3udice ) 6it-out Recour(e ) +on1*((u"p(it
Error( 9 O"i((ion( Excepted
Following a letter from a powerful law firm, which issued an explicit re.uest for the Agent
in 1ommerce to cease and desist from sending any more correspondence to +obin ,oody, as
well as an allegation that the entire administrative process has no power and effect under
English law8
PR2;*TE 9 CO+52DE+T2*8
D7P82C2TO7= =O82C2TOR=
B788=H2T HO7=E
!# RED 82*R= =V7*RE
!! *ugu(t #$$:
+OT2CE O5 CO+D2T2O+*8 *CCEPT*+CE
+OT2CE TO *EE+T 2= +OT2CE TO PR2+C2P*8
+OT2CE TO PR2+C2P*8 2= +OT2CE TO *EE+T
Dear =2R0M*D*M&
Re' *ccount +u"ber' JJJJ JJJJ JJJJ JJJJ
5ollowing receipt o, your co"pany4( letter on !$ *ugu(t #$$:& in "y capacity a( *gent in
Co""erce (notice enclo(ed)& 2 -ereby (er.e notice t-at M= =TR*6M*+ conditionally
accept( t-e alleged debt to your client& C*P2T*8 T6O B*+B (E7ROPE) P8C E7ROPE
82M2TED& o, 5i.e Hundred 9 +inety Two Ereat Briti(- Pound( 9 =ixteen Pence& and agree(
to u(e be(t endea.our( to (ettle and clo(e t-e account in t-e "o(t expedient "anner po((ible&
upon receipt o, t-e ,ollowing ite"( at t-e "ailing location below'
!/ * legally en,orceable original credit agree"ent (igned in blue ink
#/ ;eri,ication o, t-e balance due in t-e ,or" o, a true bill
A/ ;alidation o, your client4( .aluable con(ideration& in t-e ,or" o, t-e actual accounting o, it(
lo((e(
@/ Proo, t-at t-e out(tanding balance o, t-e abo.e account wa( not legally di(c-arged
pur(uant to =ection @A o, t-e Bill( o, Exc-ange *ct !%%#& w-en your client re,u(ed to accept
t-e pay"ent tendered on A <anuary #$$:
C/ Proo, t-at any and all pre.iou( credit agree"ent( were not .itiated& w-en& upon rea(onable
re?ue(t& your client ,ailed to pro.ide .alidation and .eri,ication o, t-e alleged debt or a legally
en,orceable credit agree"ent& pur(uant to t-e Con(u"er Credit *ct !:N@& t-e Con(u"er
Credit (*gree"ent() Regulation( !:%A (=2 !:%A0!CCA) and t-e Hou(e o, 8ord( ruling in t-e
ca(e o, 6il(on . 5ir(t County Tru(t 8td ) S#$$AT *ll ER (D) !%N (<ul)
/ Proo, t-at t-i( alleged liability -a( not already been (ettled ad"ini(trati.ely& ,ollowing your
client4( ,ailure to re(pond appropriately to a notari(ed ;ER252ED *552D*;2T O5 5*CT= BD
=PEC252C +EE*T2;E *;ERME+T dated ! Marc- #$$:
N/ Proo, t-at your client i( not in "ultiple breac-e( o, t-e O,,ice o, 5air Trading4( 5inal
Euidance on 7n,air Bu(ine(( Practice( (updated Dece"ber #$$)
%/ Proo, o, your clai" t-at t-e Fnu"erou( docu"ent(4 (ent by M= =TR*6M*+ to your client
are Fwrong in law and wit-out ,oundation4
:/ Proo, t-at your client i( not concealing "aterial ,act( pertaining any exi(ting and0or
pre.iou( agree"ent o, t-e partie( by re,u(ing to re(pond appropriately to t-e i((ue( rai(ed
!$/ Proo, t-at your client i( not (ub3ect to t-e Bill( o, Exc-ange *ct !%%#& t-e Con(u"er Credit
*ct !:N@& t-e Con(u"er Credit (*gree"ent() Regulation( !:%A (=2 !:%A0!CCA) and t-e Hou(e
o, 8ord( ruling in t-e ca(e o, 6il(on . 5ir(t County Tru(t 8td ) S#$$AT *ll ER (D) !%N (<ul)
2n good ,ait-& M= =TR*6M*+ look( ,orward to recei.ing t-e(e ite"( wit-in (e.en (N) day( o,
your receipt o, t-i( +OT2CE O5 CO+D2T2O+*8 *CCEPT*+CE/
6it-out "alice& "i(c-ie,& ill will& ,ri.olity or .exation& in (incerity and -onour&
By' 7pper1Ca(e' 8ower
*ut-ori(ed Repre(entati.e ,or *EE+T4= =TR*6M*+U
*gent in Co""erce ,or =TR*6M*+ (9 all deri.ati.e( t-ereo,)
6it-out Pre3udice ) 6it-out Recour(e ) +on1*((u"p(it
Error( 9 O"i((ion( Excepted
PR2;*TE 9 CO+52DE+T2*8
ROB2+ HOODD
C*P2T*8 T6O B*+B (E7ROPE) P8C
PO BOJ
!N *ugu(t #$$:
+OT2CE O5 DE5*78T
+OT2CE TO *EE+T 2= +OT2CE TO PR2+C2P*8
+OT2CE TO PR2+C2P*8 2= +OT2CE TO *EE+T
Dear ROB2+ HOODD&
Re' *ccount +u"ber' JJJJ JJJJ JJJJ JJJJ
5ollowing your co"pany4( di(-onour o, =TR*6M*+4( +OT2CE O5 CO+D2T2O+*8
*CCEPT*+CE dated #N <uly #$$:& and t-e +OT2CE O5 D2=HO+O7R 9 OPPORT7+2TD TO
C7RE dated $N *ugu(t #$$:& =TR*6M*+ -ereby (er.e( +OT2CE O5 DE5*78T/ Dour
co"pany -a( ,ailed to pro.ide t-e ,ollowing rea(onably re?ue(ted ite"('
!/ * legally en,orceable original credit agree"ent (igned in blue ink
#/ ;eri,ication o, t-e balance due in t-e ,or" o, a true bill
A/ ;alidation o, C*P2T*8 T6O B*+B (E7ROPE) P8C4( .aluable con(ideration pertaining to
t-e alleged debt& in t-e ,or" o, t-e actual accounting o, your co"pany4( lo((e(
@/ Proo, o, clai" t-at t-e out(tanding balance o, t-e abo.e account wa( not legally di(c-arged
pur(uant to =ection @A o, t-e Bill( o, Exc-ange *ct !%%#& w-en C*P2T*8 T6O B*+B
(E7ROPE) P8C re,u(ed to accept t-e pay"ent tendered on A <anuary #$$%
C/ Proo, o, clai" t-at any and all pre.iou( credit agree"ent( were not .itiated w-en C*P2T*8
T6O B*+B (E7ROPE) P8C ,ailed to pro.ide .alidation and .eri,ication o, t-e alleged debt&
or a legally en,orceable credit agree"ent& pur(uant to t-e Con(u"er Credit *ct !:N@& t-e
Con(u"er Credit (*gree"ent() Regulation( !:%A (=2 !:%A0!CCA) and t-e Hou(e o, 8ord(
ruling in t-e ca(e o, 6il(on . 5ir(t County Tru(t 8td ) S#$$AT *ll ER (D) !%N (<ul)
/ Proo, o, clai" t-at t-i( alleged liability -a( not been (ettled ad"ini(trati.ely& ,ollowing
C*P2T*8 T6O B*+B (E7ROPE) P8C4( ,ailure to re(pond appropriately to a notari(ed
;ER252ED *552D*;2T O5 5*CT= BD =PEC252C +EE*T2;E *;ERME+T dated ! Marc-
#$$:
N/ Proo, o, clai" t-at C*P2T*8 T6O B*+B (E7ROPE) P8C i( not in "ultiple breac-e( o, t-e
O,,ice o, 5air Trading4( 5inal Euidance on 7n,air Bu(ine(( Practice( (updated Dece"ber
#$$)
T-e ,ailure o, C*P2T*8 T6O B*+B (E7ROPE) P8C to pro.ide t-e(e (peci,ic ite"( wit-in t-e
(tipulated ti"e& co"pri(e( t-e tacit procuration o, C*P2T*8 T6O B*+B (E7ROPE) P8C4(
agree"ent t-at it -a( aggre((i.ely and un,airly atte"pted to collect an in.alid clai"& and in (o
doing& C*P2T*8 T6O B*+B (E7ROPE) P8C -a( cau(ed in3ury to =TR*6M*+& ,or w-ic-
=TR*6M*+ i( legally entitled to "ake a co""ercial clai" ,or at lea(t t-ree ti"e( t-e .alue
o, t-e in.alid clai"& plu( t-e alleged principal& in t-e e.ent t-at all a.ailable pri.ate
ad"ini(trati.e re"edie( -a.e already been ex-au(ted/
6it-out "alice& "i(c-ie,& ill will& ,ri.olity or .exation& in (incerity and -onour&
By' 7pper1Ca(e' 8ower
*ut-ori(ed Repre(entati.e ,or *EE+T4= =TR*6M*+U
*gent in Co""erce ,or =TR*6M*+ (9 all deri.ati.e( t-ereo,)
6it-out Pre3udice ) 6it-out Recour(e ) +on1*((u"p(it
Error( 9 O"i((ion( Excepted
PR2;*TE 9 CO+52DE+T2*8
+E28 M*C57CB& D2RECTOR
M*C57CB DEBT RECO;ERD 82M2TED
# HE*RT8E== E*RDE+=
HOCBPORT HP 57
!: *ugu(t #$$:
+OT2CE O5 D2=HO+O7R 9 OPPORT7+2TD TO C7RE
+OT2CE TO *EE+T 2= +OT2CE TO PR2+C2P*8
+OT2CE TO PR2+C2P*8 2= +OT2CE TO *EE+T
Dear +E28 M*C57CB&
Re' *ccount +u"ber' JJJJ JJJJ JJJJ JJJJ
5ollowing your di(-onour o, +OT2CE O5 CO+D2T2O+*8 *CCEPT*+CE dated !! *ugu(t
#$$:& a( expre((ed in your co"pany4( .exatiou( +OT2CE O5 2+TE+DED 82T2E*T2O+&
recei.ed on !: *ugu(t #$$:& M2== =TR*6M*+ -ereby (er.e( +OT2CE O5 D2=HO+O7R 9
OPPORT7+2TD TO C7RE/ Plea(e pro.ide t-e ,ollowing ite"( at t-e "ailing location below
wit-out ,urt-er delay'
!/ * legally en,orceable original credit agree"ent (igned in blue ink
#/ ;eri,ication o, t-e balance due in t-e ,or" o, a true bill
A/ ;alidation o, your client4( .aluable con(ideration& in t-e ,or" o, t-e actual accounting o, it(
lo((e(
@/ Proo, t-at t-e out(tanding balance o, t-e abo.e account wa( not legally di(c-arged
pur(uant to =ection @A o, t-e Bill( o, Exc-ange *ct !%%#& w-en your client re,u(ed to accept
t-e pay"ent tendered on A <anuary #$$:
C/ Proo, t-at any and all pre.iou( credit agree"ent( were not .itiated& w-en& upon rea(onable
re?ue(t& your client ,ailed to pro.ide .alidation and .eri,ication o, t-e alleged debt or a legally
en,orceable credit agree"ent& pur(uant to t-e Con(u"er Credit *ct !:N@& t-e Con(u"er
Credit (*gree"ent() Regulation( !:%A (=2 !:%A0!CCA) and t-e Hou(e o, 8ord( ruling in t-e
ca(e o, 6il(on . 5ir(t County Tru(t 8td ) S#$$AT *ll ER (D) !%N (<ul)
/ Proo, t-at t-i( alleged liability -a( not already been (ettled ad"ini(trati.ely& ,ollowing your
client4( ,ailure to re(pond appropriately to a notari(ed ;ER252ED *552D*;2T O5 5*CT= BD
=PEC252C +EE*T2;E *;ERME+T dated ! Marc- #$$:
N/ Proo, t-at M*C57CB DEBT RECO;ERD 82M2TED and it( client& C*P2T*8 T6O B*+B
(E7ROPE) P8C& are not in "ultiple breac-e( o, t-e O,,ice o, 5air Trading4( 5inal Euidance on
7n,air Bu(ine(( Practice( (updated Dece"ber #$$)
5ailure to pro.ide t-e(e rea(onably re?ue(ted ite"( wit-in (e.en (N) day( o, your co"pany4(
receipt o, t-i( notice& will co"pri(e t-e tacit procuration o, M*C57CB DEBT RECO;ERD
82M2TED4( agree"ent t-at it -a( aggre((i.ely and un,airly atte"pted to collect an in.alid
clai"& and in (o doing& your co"pany -a( cau(ed in3ury to M2== =TR*6M*+& ,or w-ic- t-e
in3ured party i( legally entitled to "ake a co""ercial clai" ,or at lea(t t-ree ti"e( t-e .alue o,
your co"pany4( in.alid clai"& plu( t-e alleged principal& in t-e e.ent t-at all a.ailable pri.ate
ad"ini(trati.e re"edie( -a.e already been ex-au(ted/
6it-out "alice& "i(c-ie,& ill will& ,ri.olity or .exation& in (incerity and -onour&
By' 7pper1Ca(e' 8ower
*ut-ori(ed Repre(entati.e ,or *EE+T4= =TR*6M*+U
*gent in Co""erce ,or M2== =TR*6M*+ (9 all deri.ati.e( t-ereo,)
6it-out Pre3udice ) 6it-out Recour(e ) +on1*((u"p(it
Error( 9 O"i((ion( Excepted
PR2;*TE 9 CO+52DE+T2*8
D7P82C2TO7= =O82C2TOR=
B788=H2T HO7=E
+OJ2O7= C2TD +C 57
#! *ugu(t #$$:
+OT2CE O5 D2=HO+O7R 9 OPPORT7+2TD TO C7RE
+OT2CE TO *EE+T 2= +OT2CE TO PR2+C2P*8
+OT2CE TO PR2+C2P*8 2= +OT2CE TO *EE+T
Dear =2R0M*D*M&
Re' *ccount +u"ber' JJJJ JJJJ JJJJ JJJJ
5ollowing t-e di(-onour o, +OT2CE O5 CO+D2T2O+*8 *CCEPT*+CE dated !! *ugu(t
#$$:& a( expre((ed in your co"pany4( letter dated !: *ugu(t #$$:& t-e content( o, w-ic- are
re3ected a( an entirely inappropriate re(pon(e& M= =TR*6M*+ -ereby (er.e( +OT2CE O5
D2=HO+O7R 9 OPPORT7+2TD TO C7RE/ Plea(e deli.er t-e(e (peci,ic ite"( on be-al, o,
your client wit-out ,urt-er delay'
!/ * legally en,orceable original credit agree"ent (igned in blue ink
#/ ;eri,ication o, t-e balance due in t-e ,or" o, a true bill
A/ ;alidation o, your client4( .aluable con(ideration& in t-e ,or" o, t-e actual accounting o, it(
lo((e(
@/ Proo, t-at t-e out(tanding balance o, t-e abo.e account wa( not legally di(c-arged w-en
your client re,u(ed to accept t-e pay"ent tendered on A <anuary #$$:
C/ Proo, t-at any and all pre.iou( credit agree"ent( were not .itiated& w-en& upon rea(onable
re?ue(t& your client ,ailed to pro.ide .alidation and .eri,ication o, t-e alleged debt or a legally
en,orceable Con(u"er Credit *gree"ent& pur(uant to t-e Con(u"er Credit *ct !:N@& t-e
Con(u"er Credit (*gree"ent() Regulation( !:%A (=2 !:%A0!CCA) and t-e Hou(e o, 8ord(
ruling in t-e ca(e o, 6il(on . 5ir(t County Tru(t 8td ) S#$$AT *ll ER (D) !%N (<ul)
/ Proo, t-at t-i( alleged liability -a( not already been (ettled ad"ini(trati.ely& ,ollowing your
client4( ,ailure to re(pond appropriately to a notari(ed ;ER252ED *552D*;2T O5 5*CT= BD
=PEC252C +EE*T2;E *;ERME+T dated ! Marc- #$$:
N/ Proo, t-at your client i( not in "ultiple breac-e( o, t-e O,,ice o, 5air Trading4( 5inal
Euidance on 7n,air Bu(ine(( Practice( (updated Dece"ber #$$)
%/ Proo, o, your clai" t-at t-e Fnu"erou( docu"ent(4 (ent by M= =TR*6M*+ to your client
are Fwrong in law and wit-out ,oundation4
:/ Proo, t-at your client i( not concealing "aterial ,act( pertaining to any exi(ting and0or
pre.iou( alleged agree"ent o, t-e partie(& by re,u(ing to re(pond appropriately to t-e i((ue(
rai(ed
!$/ Proo, t-at your client i( not (ub3ect to t-e Bill( o, Exc-ange *ct !%%#& t-e Con(u"er Credit
*ct !:N@& t-e Con(u"er Credit (*gree"ent() Regulation( !:%A (=2 !:%A0!CCA) and t-e Hou(e
o, 8ord( ruling in t-e ca(e o, 6il(on . 5ir(t County Tru(t 8td ) S#$$AT *ll ER (D) !%N (<ul)
2n good ,ait-& M= =TR*6M*+ look( ,orward to recei.ing t-e(e ite"( wit-in (e.en (N) day( o,
your receipt o, t-i( +OT2CE& t-e di(-onour o, w-ic-& in t-e ,or" o, anot-er inappropriate
re(pon(e& will co"pri(e t-e tacit procuration o, your client4( agree"ent t-at t-e alleged debt
cannot be .eri,ied or .alidated upon rea(onable re?ue(t/
6it-out "alice& "i(c-ie,& ill will& ,ri.olity or .exation& in (incerity and -onour&
By' 7pper1Ca(e' 8ower
*ut-ori(ed Repre(entati.e ,or *EE+T4= =TR*6M*+U
*gent in Co""erce ,or =TR*6M*+ (9 all deri.ati.e( t-ereo,)
6it-out Pre3udice ) 6it-out Recour(e ) +on1*((u"p(it
Error( 9 O"i((ion( Excepted
Once again, the next notice was sent to the credit bandit and its legal representatives5
PR2;*TE 9 CO+52DE+T2*8
ROB2+ HOODD
C*P2T*8 T6O B*+B (E7ROPE) P8C
PO BOJ
A! *ugu(t #$$:
+OT2CE O5 D2=HO+O7R 9 OPPORT7+2TD TO C7RE
+OT2CE TO *EE+T 2= +OT2CE TO PR2+C2P*8
+OT2CE TO PR2+C2P*8 2= +OT2CE TO *EE+T
Dear ROB2+ HOODD&
RE' *CCO7+T +7MBER' JJJJ JJJJ JJJJ JJJJ
5ollowing your di(-onour o, t-e +OT2CE =EEB2+E *DEV7*TE *==7R*+CE O5 D7E
PER5ORM*+CE dated #! *ugu(t #$$:& M= =TR*6M*+ -ereby (er.e( +OT2CE O5
D2=HO+O7R 9 OPPORT7+2TD TO C7RE/ T-ere,ore& plea(e pro.ide "e wit- (peci,ic
an(wer( to t-e ,ollowing ?ue(tion( wit-out ,urt-er delay'
!/ *ccording to t-e alleged loan agree"ent& did C*P2T*8 T6O B*+B (E7ROPE) P8C lend it(
own "oney a( ade?uate con(ideration to purc-a(e t-e pro"i((ory note (loan agree"ent) ,ro"
M= =TR*6M*+H Plea(e an(wer DE= or +O/
#/ *ccording to t-e rele.ant bookkeeping entrie(& did C*P2T*8 T6O B*+B (E7ROPE) P8C
lend it( own "oney a( ade?uate con(ideration to purc-a(e t-e pro"i((ory note (loan
agree"ent) ,ro" M= =TR*6M*+H Plea(e an(wer DE= or +O/
A/ *ccording to t-e alleged loan agree"ent& wa( M= =TR*6M*+ to pro.ide .aluable
con(ideration to ,und t-e alleged loan(()H Plea(e an(wer DE= or +O/
@/ *ccording to t-e rele.ant bookkeeping entrie(& did C*P2T*8 T6O B*+B (E7ROPE) P8C
accept anyt-ing o, .alue ,ro" M= =TR*6M*+ t-at wa( u(ed to gi.e .alue to a c-e?ue&
electronic tran(,er or (i"ilar in(tru"ent& o, approxi"ately t-e (a"e .alue o, t-e alleged
loan(()H Plea(e an(wer DE= or +O/
C/ Did C*P2T*8 T6O B*+B (E7ROPE) P8C ,ollow 7B E**P (t-e Eenerally *ccepted
*ccounting Principle( o, t-e 7nited Bingdo") in t-e execution o, t-e alleged loan(()H Plea(e
an(wer DE= or +O/
/ Can C*P2T*8 T6O B*+B (E7ROPE) P8C pro.ide e.idence t-at it( c-artered accountant
and auditor at t-e ti"e o, t-e alleged loan(() can con,ir" t-at it ,ollowed 7B E**P in t-e
execution o, t-e alleged loan(()H Plea(e an(wer DE= or +O/
N/ 6a( it t-e intent o, t-e alleged loan agree"ent t-at t-e party w-o ,unded t-e loan(() i( t-e
party t-at i( to be repaid t-e "oneyH Plea(e an(wer DE= or +O/
%/ Ha.e all t-e "aterial ,act( o, t-e alleged loan(() been ,ully di(clo(ed in t-e alleged loan
agree"entH Plea(e an(wer DE= or +O/
:/ *ccording to t-e alleged loan agree"ent& wa( M= =TR*6M*+ obliged to lend t-e
pro"i((ory note to C*P2T*8 T6O B*+B (E7ROPE) P8C or anot-er ,inancial in(titution& in
order to ,und t-e alleged loan(()H Plea(e an(wer DE= or +O/
!$/ 6a( t-e alleged loan agree"ent& and0or any and all ot-er docu"ent( and0or in(tru"ent(
a,,ixed t-ereto& regi(tered a( a Bill o, =ale wit-in (e.en (N) day( o, it( alleged executionH
Plea(e an(wer DE= or +O/
2n good ,ait-& M= =TR*6M*+ look( ,orward to recei.ing (peci,ic an(wer( to t-e ,oregoing
?ue(tion( wit-in (e.en (N) day( o, your receipt o, t-i( +OT2CE& t-e di(-onour o, w-ic-& in t-e
,or" o, anot-er inappropriate& inco"plete or non1re(pon(e& will co"pri(e t-e tacit
procuration o, your agree"ent t-at t-e alleged debt cannot be .eri,ied or .alidated upon
rea(onable re?ue(t& and t-at C*P2T*8 T6O B*+B (E7ROPE) P8C i( concealing "aterial
,act( pertaining to any exi(ting& and0or pre.iou(ly exi(ting& alleged agree"ent o, t-e partie(/
6it-out "alice& "i(c-ie,& ill will& ,ri.olity or .exation& in (incerity and -onour&
By' 7pper1Ca(e' 8ower
*ut-ori(ed Repre(entati.e ,or *EE+T4= =TR*6M*+U
*gent in Co""erce ,or M= =TR*6M*+ (9 all deri.ati.e( t-ereo,)
6it-out Pre3udice ) 6it-out Recour(e ) +on1*((u"p(it
Error( 9 O"i((ion( Excepted
The following notice was then duly served on +obin ,oody5
PR2;*TE 9 CO+52DE+T2*8
ROB2+ HOODD
C*P2T*8 T6O B*+B (E7ROPE) P8C
PO BOJ
!$ =epte"ber #$$:
+OT2CE O5 DE5*78T
+OT2CE TO *EE+T 2= +OT2CE TO PR2+C2P*8
+OT2CE TO PR2+C2P*8 2= +OT2CE TO *EE+T
Dear ROB2+ HOODD&
RE' *CCO7+T +7MBER' JJJJ JJJJ JJJJ JJJJ
5ollowing your di(-onour o, t-e +OT2CE REV7E=T2+E *DEV7*TE *==7R*+CE O5 D7E
PER5ORM*+CE dated #! *ugu(t #$$:& and t-e +OT2CE O5 D2=HO+O7R 9
OPPORT7+2TD TO C7RE dated A! *ugu(t #$$:& M= =TR*6M*+ -ereby (er.e( +OT2CE
O5 DE5*78T/
Pur(uant to t-e clearly expre((ed ter"( o, t-e abo.e re,erenced +OT2CE=& your co"pany4(
,ailure to re(pond appropriately co"pri(e( t-e tacit procuration o, your agree"ent& by
ac?uie(cence& t-at C*P2T*8 T6O B*+B (E7ROPE) P8C i( concealing "aterial ,act(
pertaining to any exi(ting& and0or pre.iou(ly exi(ting& alleged agree"ent o, t-e partie(& and
t-at t-e alleged debt cannot be .eri,ied or .alidated& and in (o doing& C*P2T*8 T6O B*+B
(E7ROPE) P8C al(o accept( t-at it -a( cau(ed in3ury to M= =TR*6M*+& ,or w-ic- t-e
in3ured party i( legally entitled to ,ile a clai" in t-e co""ercial court( ,or at lea(t t-ree ti"e(
t-e .alue o, your co"pany4( in.alid clai"& plu( t-e alleged balance out(tanding& in t-e e.ent
t-at all ad"ini(trati.e re"edie( -a.e been ex-au(ted/
6it-out "alice& "i(c-ie,& ill will& ,ri.olity or .exation& in (incerity and -onour&
By' 7pper1Ca(e' 8ower
*ut-ori(ed Repre(entati.e ,or *EE+T4= =TR*6M*+U
*gent in Co""erce ,or M= =TR*6M*+ (9 all deri.ati.e( t-ereo,)
6it-out Pre3udice ) 6it-out Recour(e ) +on1*((u"p(it
Error( 9 O"i((ion( Excepted
The following doument was served on +obin ,oody, as well as his lawyers, none of whom
are confident enough to put their names to their predictable responses5
PR2;*TE 9 CO+52DE+T2*8
D7P82C2TO7= =O82C2TOR=
B788=H2T HO7=E
+OJ2O7= C2TD +C 57
#! *ugu(t #$$:
+OT2CE REV7E=2+E *DEV7*TE *==7R*+CE O5 D7E PER5ORM*+CE
+OT2CE TO *EE+T 2= +OT2CE TO PR2+C2P*8
+OT2CE TO PR2+C2P*8 2= +OT2CE TO *EE+T
Dear =2R0M*D*M&
Re' *ccount +u"ber' JJJJ JJJJ JJJJ JJJJ
6-ile 2 a" certainly no legal expert or a practicing "e"ber o, t-e 8aw =ociety& it -a( co"e to
"y attention& ,ollowing exten(i.e re(earc- on t-e banking indu(try& a( well a( diligent (tudy o,
t-e (tatute( go.erning Con(u"er Credit *gree"ent(& t-at t-ere i( e.ery rea(on to belie.e t-at
C*P2T*8 T6O B*+B (E7ROPE) P8C i( not Holder1in1due1Cour(e o, t-e original loan
agree"ent (pro"i((ory note)& and0or C*P2T*8 T6O B*+B (E7ROPE) P8C "ay be in breac-
o, t-e alleged exi(ting agree"ent& concerning t-e abo.e re,erenced account/
T-ere,ore& 2 a" once again (er.ing notice o, M= =TR*6M*+4( intention to di(c-arge t-e
alleged debt in ,ull& u(ing t-e (a"e (pecie o, "oney t-at C*P2T*8 T6O B*+B (E7ROPE)
P8C u(ed to ,und t-e alleged loan& pro.ided t-at t-e clearly expre((ed ter"( o, t-e +OT2CE
O5 CO+D2T2O+*8 *CCEPT*+CE dated !! *ugu(t #$$: are ,ully (ati(,ied& and M=
=TR*6M*+ recei.e( (peci,ic an(wer( to t-e ,ollowing ?ue(tion('
!/ *ccording to t-e alleged loan agree"ent& did C*P2T*8 T6O B*+B (E7ROPE) P8C lend it(
own "oney a( ade?uate con(ideration to purc-a(e t-e pro"i((ory note (loan agree"ent) ,ro"
M= =TR*6M*+H Plea(e an(wer DE= or +O/
#/ *ccording to t-e rele.ant bookkeeping entrie(& did C*P2T*8 T6O B*+B (E7ROPE) P8C
lend it( own "oney a( ade?uate con(ideration to purc-a(e t-e pro"i((ory note (loan
agree"ent) ,ro" M= =TR*6M*+H Plea(e an(wer DE= or +O/
A/ *ccording to t-e alleged loan agree"ent& wa( M= =TR*6M*+ to pro.ide .aluable
con(ideration to ,und t-e alleged loan(()H Plea(e an(wer DE= or +O/
@/ *ccording to t-e rele.ant bookkeeping entrie(& did C*P2T*8 T6O B*+B (E7ROPE) P8C
accept anyt-ing o, .alue ,ro" M= =TR*6M*+ t-at wa( u(ed to gi.e .alue to a c-e?ue&
electronic tran(,er or (i"ilar in(tru"ent& o, approxi"ately t-e (a"e .alue o, t-e alleged
loan(()H Plea(e an(wer DE= or +O/
C/ Did C*P2T*8 T6O B*+B (E7ROPE) P8C ,ollow 7B E**P (t-e Eenerally *ccepted
*ccounting Principle( o, t-e 7nited Bingdo") in t-e execution o, t-e alleged loan(()H Plea(e
an(wer DE= or +O/
/ Can C*P2T*8 T6O B*+B (E7ROPE) P8C pro.ide e.idence t-at it( c-artered accountant
and auditor at t-e ti"e o, t-e alleged loan(() can con,ir" t-at it ,ollowed 7B E**P in t-e
execution o, t-e alleged loan(()H Plea(e an(wer DE= or +O/
N/ 6a( it t-e intent o, t-e alleged loan agree"ent t-at t-e party w-o ,unded t-e loan(() i( t-e
party t-at i( to be repaid t-e "oneyH Plea(e an(wer DE= or +O/
%/ Ha.e all t-e "aterial ,act( o, t-e alleged loan(() been ,ully di(clo(ed in t-e alleged loan
agree"entH Plea(e an(wer DE= or +O/
:/ *ccording to t-e alleged loan agree"ent& wa( M= =TR*6M*+ obliged to lend t-e
pro"i((ory note to C*P2T*8 T6O B*+B (E7ROPE) P8C or anot-er ,inancial in(titution& in
order to ,und t-e alleged loan(()H Plea(e an(wer DE= or +O/
!$/ 6a( t-e alleged loan agree"ent& and0or any and all ot-er docu"ent( and0or in(tru"ent(
a,,ixed t-ereto& regi(tered a( a Bill o, =ale wit-in (e.en (N) day( o, it( alleged executionH
Plea(e an(wer DE= or +O/
2n good ,ait-& M= =TR*6M*+ look( ,orward to recei.ing t-e(e ite"( wit-in (e.en (N) day( o,
your receipt o, t-i( +OT2CE REV7E=T2+E *DEV7*TE *==7R*+CE O5 D7E
PER5ORM*+CE/
6it-out "alice& "i(c-ie,& ill will& ,ri.olity or .exation& in (incerity and -onour&
By' 7pper1Ca(e' 8ower
*ut-ori(ed Repre(entati.e ,or *EE+T4= =TR*6M*+U
*gent in Co""erce ,or =TR*6M*+ (9 all deri.ati.e( t-ereo,)
6it-out Pre3udice ) 6it-out Recour(e ) +on1*((u"p(it
Error( 9 O"i((ion( Excepted
9eanwhile, bac& in the land of the third party interlopers8
PR2;*TE 9 CO+52DE+T2*8
+E28 M*C57CB& D2RECTOR
M*C57CB DEBT RECO;ERD 82M2TED
# HE*RT8E== E*RDE+=
HOCBPORT HP 57
#: *ugu(t #$$:
+OT2CE O5 DE5*78T
+OT2CE TO PR2+C2P*8 2= +OT2CE TO *EE+T
+OT2CE TO *EE+T 2= +OT2CE TO PR2+C2P*8
Dear +E28 M*C57CB&
Re' *ccount +u"ber' JJJJ JJJJ JJJJ JJJJ
5ollowing your di(-onour o, t-e +OT2CE O5 CO+D2T2O+*8 *CCEPT*+CE dated !! *ugu(t
#$$:& and t-e +OT2CE O5 D2=HO+O7R 9 OPPORT7+2TD TO C7RE dated !: *ugu(t #$$:&
M2== =TR*6M*+ -ereby (er.e( +OT2CE O5 DE5*78T/
T-e ,ailure o, your co"pany to pro.ide t-e rea(onably re?ue(ted .alidation and .eri,ication o,
t-e alleged debt co"pri(e( t-e tacit procuration o, M*C57CB DEBT RECO;ERD 82M2TED4(
agree"ent t-at it -a( aggre((i.ely and un,airly atte"pted to collect an in.alid clai"& and in (o
doing& your co"pany -a( cau(ed in3ury to M2== =TR*6M*+& ,or w-ic- t-e in3ured party i(
legally entitled to "ake a co""ercial clai" ,or at lea(t t-ree ti"e( t-e .alue o, your
co"pany4( in.alid clai"& plu( t-e alleged principal& in t-e e.ent t-at all a.ailable pri.ate
ad"ini(trati.e re"edie( -a.e already been ex-au(ted/
6it-out "alice& "i(c-ie,& ill will& ,ri.olity or .exation& in (incerity and -onour&
By' 7pper1Ca(e' 8ower
*ut-ori(ed Repre(entati.e ,or *EE+T4= =TR*6M*+U
*gent in Co""erce ,or M2== =TR*6M*+ (9 all deri.ati.e( t-ereo,)
6it-out Pre3udice ) 6it-out Recour(e ) +on1*((u"p(it
Error( 9 O"i((ion( Excepted
After another unworthy effort was received by +obins lawyers, the following notice was
suitably dispatched, with a similarly styled missive going to their incresingly sleepless
client8
PR2;*TE 9 CO+52DE+T2*8
DE+D E;ERDTH2+E P*RT+ER=
B788=H2T HO7=E
+OJ2O7= C2TD +C 57
!C =epte"ber #$$:
+OT2CE O5 2+;*82D C8*2M=
+OT2CE TO *EE+T 2= +OT2CE TO PR2+C2P*8
+OT2CE TO PR2+C2P*8 2= +OT2CE TO *EE+T
Dear DE+D E;ERDTH2+E P*RT+ER=&
Re' *ccount +u"ber' JJJJ JJJJ JJJJ JJJJ
5ollowing your letter( dated !$ and !@ =epte"ber #$$:& in relation to t-e ongoing co""ercial
di(pute between M= =TR*6M*+ and your client& C*P2T*8 T6O B*+B (E7ROPE) P8C
=ER;2CE= E7ROPE 82M2TED& 2 -ereby (er.e +OT2CE O5 2+;*82D C8*2M=/
6it- all due re(pect& t-e palpable i"plication wit-in your a((ertion t-at t-e ,act( o, 6il(on .
5ir(t County Tru(t 8td bear no relation to t-e alleged Kargu"ent put ,orwardL by M=
=TR*6M*+ and t-e under(igned *gent in Co""erce> to wit& t-at t-e pro.i(ion( o, t-e
Con(u"er Credit *gree"ent !:N@ (t-e *ct) do not apply to your client in relation to t-i(
"atter& i( -ereby re3ected a( erroneou(/ 5or your in,or"ation& M= =TR*6M*+ take( t-e
po(ition t-at it i( t-e legal precedent (et by t-e 6il(on ca(e t-at i( rele.ant on t-i( occa(ion/
2n paragrap- #: o, t-e #$$A Hou(e o, 8ord( ruling on 6il(on . 5ir(t County Tru(t 8td&
re,erring to t-e *ct& 8ord +ic-oll( (tated t-at'
T-e court4( power( under (ection !#N(!) are (ub3ect to (igni,icant ?uali,ication in two type( o,
ca(e(/ T-e ,ir(t type i( w-ere (ection !(!) (a)& regarding (igning o, agree"ent(& i( not
co"plied wit-/ 2n (uc- ca(e( t-e court F(-all not "ake4 an en,orce"ent order unle(( a
docu"ent& w-et-er or not in t-e pre(cribed ,or"& containing all t-e pre(cribed ter"(& wa(
(igned by t-e debtor' (ection !#N(A)/ T-u(& (ignature o, a docu"ent containing all t-e
pre(cribed ter"( i( an e((ential prere?ui(ite to t-e court4( power to "ake an en,orce"ent
order/L
5urt-er"ore& t-e e(tee"ed barri(ter and dra,t("an o, t-e Con(u"er Credit *gree"ent !:N@&
5ranci( Bennion& (tated on -i( own web(ite'
2 included t-e pro.i(ion in ?ue(tion ((ection !#N(A)) entirely on "y own initiati.e/ 2t
(ee"ed rig-t to "e t-at i, a creditor co"pany couldn4t be bot-ered to en(ure t-at all t-e
pre(cribed particular( were accurately included in t-e credit agree"ent it de(er.ed to ,ind it
unen,orceable& and t-at t-e court (-ould not -a.e t-e power to relie.e it o, t-i( penalty/
+obody ?ueried t-i(& and it went t-roug- Parlia"ent wit-out debate/ 24" glad t-e Hou(e o,
8ord( -a( now .indicated "y rea(oning and con,ir"ed t-at nobody4( -u"an rig-t( were
in,ringed/L
T-ere,ore& (ince t-e *ct i( (till in ,ull ,orce and e,,ect& and t-e abo.e re,erenced (ection !#N(A)
-a( not been repealed by any (ub(e?uent *ct o, Parlia"ent& it (ee"( rea(onable to pre(u"e
t-at t-e e.entual re(olution o, t-i( di(puted debt will be deter"ined by t-e pro.i(ion( o, t-e
*ct in ?ue(tion& w-ic- i( applied to all con(u"er credit agree"ent( in t-e 7nited Bingdo"/
Moreo.er& t-e clai" t-at your client -a( deli.ered t-e ite"( repeatedly re?ue(ted in order to
.alidate and .eri,y t-e alleged debt i( entirely incorrect& a( i( any i"plication and0or a((ertion
t-at your client i( not legally re?uired to gi.e ade?uate a((urance o, due per,or"ance upon
re?ue(t/ T-e only ite"( t-at -a.e been recei.ed are' an un.eri,ied digital record o, an
electronic credit application> a (et o, p-otocopied (tate"ent( o, account> and a p-otocopied
con(u"er credit agree"ent& w-ic- clearly (tate( on t-e ,ir(t page& KCRED2T C*RD
*EREEME+T REE78*TED BD THE CO+=7MER CRED2T *CT !:N@L& but doe( not bear
eit-er t-e na"e or t-e (ignature o, t-e alleged debtor& w-ile t-e ?ue(tion( po(ed in t-e
+OT2CE= REV7E=T2+E *DEV7*TE *==7R*+CE O5 D7E PER5ORM*+CE re"ain
unan(wered/
5inally& (er.ing notice t-at it -a( ad.i(ed it( client to Kproceed accordinglyL in re(pect o,
i((uing proceeding( to reco.er t-e alleged debt& and0or ,orwarding t-e ,ile to one o, it(
external agent( ,or collection (ee"( (o"ew-at belated& (ince C*P2T*8 T6O B*+B
(E7ROPE) P8C -a( already ,orwarded t-e ,ile to M*C57CB DEBT RECO;ERD& w-ic- -a(n4t
been able to .eri,y or .alidate t-e alleged debt upon re?ue(t/
5or t-e a.oidance o, doubt& M= =TR*6M*+ doe( not con(ent to your re?ue(t to cea(e
corre(ponding wit- eit-er DE+D E;ERDTH2+E P*RT+ER= and0or your client> until (uc-
ti"e t-at t-i( "atter -a( been (ettled and clo(ed/
6it-out "alice& "i(c-ie,& ill will& ,ri.olity or .exation& in (incerity and -onour&
By' 7pper1Ca(e' 8ower
*ut-ori(ed Repre(entati.e ,or *EE+T4= =TR*6M*+U
*gent in Co""erce ,or M= =TR*6M*+ (9 all deri.ati.e( t-ereo,)
6it-out Pre3udice ) 6it-out Recour(e ) +on1*((u"p(it
Error( 9 O"i((ion( Excepted
:oodnight /ienna for the fourth set of 0rd party interlopers8
PR2;*TE 9 CO+52DE+T2*8
+E28 M*C57CB& D2RECTOR
M*C57CB DEBT RECO;ERD 82M2TED
# HE*RT8E== E*RDE+=
HOCBPORT HP 57
! =epte"ber #$$:
+OT2CE O5 COMMERC2*8 2+<7RD C8*2M
+OT2CE TO PR2+C2P*8 2= +OT2CE TO *EE+T
+OT2CE TO *EE+T 2= +OT2CE TO PR2+C2P*8
Dear +E28 M*C57CB&
Re' *ccount +u"ber' JJJJ JJJJ JJJJ JJJJ
5ollowing t-e (er.ice o, t-e +OT2CE O5 DE5*78T dated #: *ugu(t #$$:& and t-e
(ub(e?uent receipt o, your co"pany4( letter& (igned in blue ink by Mr( B Murray& M2==
=TR*6M*+ -ereby (er.e( +OT2CE O5 COMMERC2*8 2+<7RD C8*2M/
2n re(pon(e to t-e i((ue( rai(ed by Mr( B Murray& 2 can con,ir" t-at& to t-e be(t o, -er
knowledge& t-e *ut-ori(ed Repre(entati.e ,or M2== =TR*6M*+ did in ,act open t-e abo.e
re,erenced account& and (ub(e?uently u(ed (o"e o, t-e a.ailable (er.ice( and ,acilitie(/
Howe.er& (-e now belie.e( t-at "aterial ,act( pertaining to t-e alleged agree"ent o, t-e
partie( "ay -a.e been concealed by your client& t-ereby .itiating it& ab initio> t-at any exi(ting
or pre.iou(ly exi(ting con(u"er credit agree"ent (pro"i((ory note) "ay -a.e been lo(t&
altered& depo(ited in t-e wrong account& (old or (tolen> and t-at your client "ay -a.e
perpetrated a ,raud in t-e ,actu" again(t M2== =TR*6M*+& ,or w-ic- it( debt collection
agent( are -eld 3ointly and (e.erally liable becau(e o, t-eir di(-onourable lack o, due diligence
be,ore proceeding wit- collection/
5or t-e a.oidance o, doubt& it -a( already been e(tabli(-ed ad"ini(trati.ely t-at t-e ,ailure o,
your co"pany to .alidate and .eri,y t-e alleged debt co"pri(e( t-e tacit procuration o,
M*C57CB DEBT RECO;ERD 82M2TED4( agree"ent t-at it -a( aggre((i.ely and un,airly
atte"pted to collect an in.alid clai"& and in (o doing& your co"pany -a( cau(ed in3ury to
M2== =TR*6M*+& ,or w-ic- t-e in3ured party intend( to ,ile a co""ercial in3ury clai" ,or
T6O THO7=*+D& THREE H7+DRED 9 =2JTD E2EHT PO7+D= =TER82+E 9 =2JTD
5O7R PE+CE& in t-e e.ent t-at all a.ailable pri.ate ad"ini(trati.e re"edie( -a.e been
ex-au(ted/
6it-out "alice& "i(c-ie,& ill will& ,ri.olity or .exation& in (incerity and -onour&
By' 7pper1Ca(e' 8ower
*ut-ori(ed Repre(entati.e ,or *EE+T4= =TR*6M*+U
*gent in Co""erce ,or M2== =TR*6M*+ (9 all deri.ati.e( t-ereo,)
6it-out Pre3udice ) 6it-out Recour(e ) +on1*((u"p(it
Error( 9 O"i((ion( Excepted
4ell would you credit it, within 0 days of receiving that 9A1F;1< sent a letter than&ing
!T+A49A) for bringing the matters to their attention and insisted that the account was
not closed, with all the related correspondence being forwarded to their former client, to
whom the following notice was duly served5
PR2;*TE 9 CO+52DE+T2*8
ROB2+ HOODD
C*P2T*8 T6O B*+B (E7ROPE) P8C
PO BOJ
#C =epte"ber #$$:
+OT2CE O5 82E+ 2+TERE=T 9 COMMERC2*8 2+<7RD C8*2M
+OT2CE TO *EE+T 2= +OT2CE TO PR2+C2P*8
+OT2CE TO PR2+C2P*8 2= +OT2CE TO *EE+T
Dear ROB2+ HOODD&
Re' *ccount +u"ber' JJJJ JJJJ JJJJ JJJJ
5ollowing your di(-onour o, t-e +OT2CE O5 CO+D2T2O+*8 *CCEPT*+CE dated #N <uly
#$$:& t-e +OT2CE O5 D2=HO+O7R 9 OPPORT7+2TD TO C7RE dated $N *ugu(t #$$:& t-e
+OT2CE REV7E=T2+E *DEV7*TE *==7R*+CE O5 D7E PER5ORM*+CE dated #!
*ugu(t #$$:& t-e +OT2CE O5 D2=HO+O7R 9 OPPORT7+2TD TO C7RE dated A! *ugu(t
#$$:& and t-e (er.ice o, t-e +OT2CE= O5 DE5*78T& dated !N *ugu(t and !$ =epte"ber
#$$: re(pecti.ely& all (er.ed by Royal Mail Recorded Deli.ery& M= =TR*6M*+ -ereby
(er.e( +OT2CE O5 82E+ 2+TERE=T 9 COMMERC2*8 2+<7RD C8*2M/
6it- ,ir(t-and knowledge o, t-e e.idence& 2 al(o -ereby certi,y t-at t-e *ut-ori(ed
Repre(entati.e ,or M= =TR*6M*+ belie.e( t-at "aterial ,act( pertaining to t-e alleged
agree"ent o, t-e partie( "ay -a.e been concealed by C*P2T*8 T6O B*+B (E7ROPE) P8C&
t-ereby .itiating it& ab initio> t-at any exi(ting or pre.iou(ly exi(ting con(u"er credit
agree"ent (pro"i((ory note) "ay -a.e been lo(t& altered& depo(ited in t-e wrong account&
(old or (tolen> and t-at your co"pany "ay -a.e perpetrated a ,raud in t-e ,actu" again(t M=
=TR*6M*+& ,or w-ic- it( debt collection agent( are -eld 3ointly and (e.erally liable becau(e
o, t-eir di(-onourable lack o, due diligence be,ore proceeding wit- collection/
Pur(uant to t-e clearly expre((ed ter"( o, t-e abo.e re,erenced +OT2CE=& M= =TR*6M*+
i( clai"ing T6O THO7=*+D& 52;E H7+DRED 9 +2+ETEE+ PO7+D= =TER82+E& in
co"pen(ation ,or t-e in3ury cau(ed& plu( any and all ,urt-er co(t( incurred/
C*P2T*8 T6O B*+B (E7ROPE) P8C -a( (e.en (N) day( ,ro" (er.ice o, t-i( notice to rai(e
any i((ue(& di(pute( or counterclai"( pertaining to t-i( "atter& or to deli.er an appropriate
o,,er o, (ettle"ent& in order to pre.ent ,urt-er action/
6it-out "alice& "i(c-ie,& ill will& ,ri.olity or .exation> in (incerity and -onour&
By' 7pper1Ca(e' 8ower
*ut-ori(ed Repre(entati.e ,or *EE+T4= =TR*6M*+U
*gent in Co""erce ,or M= =TR*6M*+ (9 all deri.ati.e( t-ereo,)
6it-out Pre3udice ) 6it-out Recour(e ) +on1*((u"p(it
Error( 9 O"i((ion( Excepted
4hen the lawyers tried to argue that an unsigned agreement without a name on it, a set of
photocopied statements and an undated printout of somebody ma&ing an electronic credit
card application were enough to validate and verify the alleged debt, it was clear that they
had no sustainable evidence that their clients lent any money.
PR2;*TE 9 CO+52DE+T2*8
DE+D E;ERDTH2+E P*RT+ER=
B788=H2T HO7=E
+OJ2O7= C2TD +C 57
# =epte"ber #$$:
+OT2CE COMMERC2*8 2+<7RD C8*2M
+OT2CE TO *EE+T 2= +OT2CE TO PR2+C2P*8
+OT2CE TO PR2+C2P*8 2= +OT2CE TO *EE+T
Dear DE+D E;ERDTH2+E&
Re' *ccount +u"ber' JJJJ JJJJ JJJJ JJJJ
5ollowing receipt o, your letter dated ## =epte"ber #$$:& t-e content( o, w-ic- M=
=TR*6M*+ re3ect( wit-out di(-onour& on t-e ground( t-at& regardle(( o, 6il(on& DE+D
E;ERDTH2+E P*RT+ER=4( argu"ent( are& wit- all due re(pect& un(u(tainable& 2 -ereby
(er.e +OT2CE O5 COMMERC2*8 2+<7RD C8*2M/
6it- re,erence to t-e Con(u"er Credit *ct !:N@ (Electronic Co""unication( *ct) Order
#$$@& M= =TR*6M*+ take( t-e po(ition t-at your interpretation o, t-i( particular (tatutory
in(tru"ent o,,er( little or no ade?uate protection ,or con(u"er( again(t t-e un(crupulou(
action( o, internet ,raud(ter( and t-e e.er1increa(ing t-reat o, identity t-e,t& and ,or t-at
rea(on& doe( not con(ent to t-e application o, t-e order/
5urt-er"ore& -a.ing read t-e Con(u"er Credit (En,orce"ent& De,ault and Ter"ination
+otice() Regulation( !:%A& it( (ub(e?uent a"end"ent( and t-e 3udg"ent o, t-e Honourable
Mr =i"on Brown VC& in t-e ca(e o, Rankine . *"erican Expre(( (t-e legal precedent to w-ic-
you (ee" to be re,erring)& it i( clear t-at t-e circu"(tance( o, t-i( "atter& a( well a( t-e i((ue(
rai(ed& are al"o(t entirely di,,erent ,ro" Rankine/ To wit' your client -a( repeatedly ,ailed to
(ub(tantiate it( alleged lo((e( wit- t-e actual accounting o, t-e loan(()> your client -a(
repeatedly ,ailed to gi.e ade?uate a((urance( o, due per,or"ance upon rea(onable re?ue(t>
t-ere i( no e.idence to (ugge(t t-at t-e alleged liability wa( not originally di(c-arged&
pur(uant to (ection @A o, t-e Bill( o, Exc-ange *ct !%%#& w-en your client re,u(ed to accept
t-e (pecie o, pay"ent tendered by M= =TR*6M*+> and neit-er t-e *gent in Co""erce ,or
M= =TR*6M*+& not t-e *ut-ori(ed Repre(entati.e& are (eeking to pro,it ,ro" any percei.ed
Kloop-ole(L in t-e Con(u"er Credit *ct !:N@/ On t-e contrary& we are (eeking to en,orce it(
-onourable pro.i(ion(/
T-ere,ore& wit- ,ir(t-and knowledge o, t-e (upporting e.idence& M= =TR*6M*+ -ereby
(er.e( notice t-at t-ere i( e.ery rea(on to belie.e t-at ,act( pertaining to t-e alleged
agree"ent o, t-e partie( "ay -a.e been concealed by C*P2T*8 T6O B*+B (E7ROPE) P8C&
t-ereby .itiating it& ab initio> t-at any exi(ting or pre.iou(ly exi(ting con(u"er credit
agree"ent (pro"i((ory note) "ay -a.e been lo(t& altered& depo(ited in t-e wrong account&
(old or (tolen> and t-at your client "ay -a.e perpetrated a ,raud in t-e ,actu" again(t M=
=TR*6M*+& ,or w-ic- it( debt collection agent( will be -eld 3ointly and (e.erally liable ,or
t-eir di(-onourable lack o, due diligence be,ore proceeding wit- collection/
M= =TR*6M*+ will now initiate any and all ad"ini(trati.e and0or 3udicial proceeding(
dee"ed to be nece((ary in order to cure all co""ercial in3ury cau(ed by C*P2T*8 T6O
B*+B (E7ROPE) P8C4= debt collection agent(& unle(( your client deli.er( an appropriate
o,,er o, (ettle"ent by $C October #$$:/
6it-out "alice& "i(c-ie,& ill will& ,ri.olity or .exation> in (incerity and -onour&
By' 7pper1Ca(e' 8ower
*ut-ori(ed Repre(entati.e ,or *EE+T4= =TR*6M*+U
*gent in Co""erce ,or M= =TR*6M*+ (9 all deri.ati.e( t-ereo,)
6it-out Pre3udice ) 6it-out Recour(e ) +on1*((u"p(it
Error( 9 O"i((ion( Excepted
Following receipt of the above missive, the lawyers wrote a disingenuous reply, restating
their unsustainable position and gave notice that they saw no benefit in continuing in any
further correspondence on the matter. !o, pursuant to private and international law8
PR2;*TE 9 CO+52DE+T2*8
ROB2+ HOODD
C*P2T*8 T6O B*+B (E7ROPE) P8C
PO BOJ
!@ October #$$:
+OT2CE O5 TERM2+*T2O+
+OT2CE TO *EE+T 2= +OT2CE TO PR2+C2P*8
+OT2CE TO PR2+C2P*8 2= +OT2CE TO *EE+T
Dear ROB2+ HOODD&
Re' *ccount +u"ber' JJJJ JJJJ JJJJ JJJJ
Pur(uant to t-e e(tabli(-ed con.ention( on pri.ate and international law& wit- regard to t-e
abo.e re,erenced account> ,ollowing your di(-onour o, t-e +OT2CE O5 CO+D2T2O+*8
*CCEPT*+CE dated #N <uly #$$:& t-e +OT2CE O5 D2=HO+O7R 9 OPPORT7+2TD TO
C7RE dated $N *ugu(t #$$:& t-e +OT2CE REV7E=T2+E *DEV7*TE *==7R*+CE O5 D7E
PER5ORM*+CE dated #! *ugu(t #$$:& t-e +OT2CE O5 D2=HO+O7R 9 OPPORT7+2TD
TO C7RE dated A! *ugu(t #$$:& and t-e (er.ice o, t-e +OT2CE= O5 DE5*78T& dated !N
*ugu(t and !$ =epte"ber #$$: re(pecti.ely& all (er.ed by Royal Mail Recorded Deli.ery& M=
=TR*6M*+ -ereby (er.e( +OT2CE O5 TERM2+*T2O+/
*( your -a.e already been in,or"ed& t-e *ut-ori(ed Repre(entati.e ,or M= =TR*6M*+
belie.e( t-at "aterial ,act( pertaining to t-e alleged agree"ent o, t-e partie( "ay -a.e been
concealed by C*P2T*8 T6O B*+B (E7ROPE) P8C& t-ereby .itiating it& ab initio> t-at any
exi(ting or pre.iou(ly exi(ting con(u"er credit agree"ent (pro"i((ory note) "ay -a.e been
lo(t& altered& depo(ited in t-e wrong account& (old or (tolen> and t-at your co"pany& it(
partner( and0or a,,iliate(& "ay -a.e perpetrated a ,raud in t-e ,actu" again(t M=
=TR*6M*+& ,or w-ic- it( debt collection agent( are -eld 3ointly and (e.erally liable ,or t-eir
di(-onourable lack o, due diligence be,ore proceeding wit- collection/
Pur(uant to t-e clearly expre((ed ter"( o, t-e +OT2CE O5 82E+ 2+TERE=T 9
COMMERC2*8 2+<7RD C8*2M dated #C =epte"ber #$$:& M= =TR*6M*+ i( clai"ing
T6O THO7=*+D& 52;E H7+DRED 9 +2+ETEE+ PO7+D= =TER82+E ,ro" your
co"pany and eac- o, it( agent(& in co"pen(ation ,or t-e co""ercial in3urie( cau(ed& plu( any
and all ,urt-er co(t( incurred during any and all ,urt-er ad"ini(trati.e and0or 3udicial
proceeding( dee"ed to be nece((ary/ 5or t-e a.oidance o, doubt& not-ing expre((ed in t-i(
notice can be con(trued a( any ,or" o, wai.er o, M= =TR*6M*+4( legal and0or law,ul rig-t(
to proceed wit- t-i( clai" again(t C*P2T*8 T6O B*+B (E7ROPE) P8C =ER;2CE= E7ROPE
82M2TED and it( debt collection agent(/
6it-out "alice& "i(c-ie,& ill will& ,ri.olity or .exation> in (incerity and -onour&
By' 7pper1Ca(e' 8ower
*ut-ori(ed Repre(entati.e ,or *EE+T4= =TR*6M*+U
*gent in Co""erce ,or M= =TR*6M*+
6it-out Pre3udice ) 6it-out Recour(e ) +on1*((u"p(it
Error( 9 O"i((ion( Excepted
Then, on the =th of )ovember $%%>, a 1ommercial ?ien was served upon the 1hief Executive
Officer.
Affi(a'it of O:li+ation
o**ercial Lien
t-e Partie('
*EE+T4= =TR*6M*+U ,or 9 on be-al, o, =TR*6M*+
=TR*6M*+4= *DDRE==
Hereina,ter known a( K8ien Clai"antL
;
ROB2+ HOODD ,or 9 on be-al, o, C*P2T*8 T6O B*+B (E7ROPE) P8C
PO BOJ
Hereina,ter known a( K8ien Debtor !L& unle(( ot-erwi(e (tated
9 it4( *gent
+E28 M*C57CB ,or 9 on be-al, o, M*C57CB DEBT RECO;ERD 82M2TED
# HE*RT8E== E*RDE+=& HOCBPORT HP 57
Hereina,ter collecti.ely known a( K8ien Debtor(L& w-ic- (-all include 8ien Debtor ! wit-out
li"itation
+otice to agent i( notice to principal
+otice to principal i( notice to agent
T,e La9) of o**erce
*ll are e?ual under t-e law/ =ee Exodu( #!'#A1#C> 8e./ #@'!N1#!> Deut/ !'!N& !:'#!> Matt/
##'A1@$> 8uke !$'!N> Col/ A'#C/ 8egal "axi"(' +o one i( abo.e t-e law> Co""erce& by t-e
law o, nation(& oug-t to be co""on& and not to be con.erted into a "onopoly and t-e pri.ate
gain o, a ,ew/
2n co""erce& trut- i( (o.ereign/ =ee Exodu( #$'!> P(al"( !!N'#> <o-n %'A#> 22 Cor/ !A'%/
8egal "axi"' To lie i( to go again(t t-e "ind/
Trut- i( expre((ed in t-e ,or" o, an *,,ida.it/ =ee 8e./ C'@1C> 8e./ 'A1C> 8e./ !:'!!1!A> +u"/
A$'#> Matt/ C'AA> <a"e( C'!#/
*n unrebutted a,,ida.it (tand( a( trut- in co""erce/ =ee ! Pet/ !'#C> Heb/ '!A1!C/ 8egal
"axi"' He& w-o doe( not deny& ad"it(/
*n unrebutted a,,ida.it beco"e( a 3udg"ent in co""erce/ =ee Heb/ '!1!N/ *ny proceeding
in court& tribunal or arbitration ,oru" con(i(t( o, a conte(t o, co""ercial a,,ida.it(& w-erein
t-e point( re"aining unrebutted at t-e end o, t-e conte(t (tand a( t-e trut- to w-ic- t-e
3udg"ent o, t-e law i( applied/
He w-o lea.e( t-e ,ield o, battle ,ir(t (doe( not re(pond appropriately to an *,,ida.it) lo(e( by
de,ault/ =ee Book o, <ob> Matt !$'##/ 8egal "axi"' He w-o doe( not repel a wrong w-en -e
can occa(ion( it/
=acri,ice i( t-e "ea(ure o, credibility/ One w-o i( not da"aged& put at ri(k or willing to (wear
an oat- or "ake an a,,ir"ation on -i( ,ull co""ercial liability ,or t-e trut- o, -i( (tate"ent(
and t-e legiti"acy o, -i( action(& -a( no ba(i( to a((ert clai"( or c-arge(& and ,or,eit( all
credibility and rig-t to clai" t-e aut-ority to do (o/ =ee *ct( N/ 8egal "axi"' He w-o bear(
t-e burden oug-t al(o to deri.e t-e bene,it/
* lien or clai"& under co""ercial law& can only be (ati(,ied by one o, t-e ,ollowing action(' *
,ull rebuttal by an *,,ida.it o, Trut-& point1by1point& (upported by e.idence and (worn or
a,,ir"ed at t-e (a"e le.el o, co""ercial ri(k> t-e (ati(,action o, t-e clai"ant& w-et-er by
pay"ent or "utual agree"ent> re(olution by a 3ury& in accordance wit- t-e rule( o, co""on
law/ =ee Een/ #1A> Matt @> Re.elation/ 8egal "axi"' 2, t-e plainti,, doe( not pro.e -i( ca(e&
t-e de,endant i( ab(ol.ed
* party in3ured by t-e ,raud o, anot-er "ay clai" triple da"age(& plu( t-e principal/ K*nd
Wacc-aeu( (tood& and (aid unto t-e 8ord' Be-old& 8ord& t-e -al, o, "y good( 2 gi.e to t-e poor&
and i, 2 -a.e taken any t-ing ,ro" any "an by ,al(e accu(ation& 2 re(tore -i" ,our,old/L 8uke
!:'%/
&ou'ier;) !a<i*)
Contra .eritate" lex nu"?ua" ali?uid per"ittit/ T-e law ne.er (u,,er( anyt-ing contrary to
trut-/ # Co/ 2n(t/ #C#/ But (o"eti"e( it allow( a conclu(i.e pre(u"ption in oppo(ition to
trut-/ =ee A Bou./ 2n(t/ n/ A$!/
Contractu( ex turpi cau(a& .el contra bono( "ore( nullu( e(t/ * contract ,ounded on a ba(e
and unlaw,ul con(ideration& or again(t good "oral(& i( null/ Hob/ !N> Dig/ #& !@& #N& @/
Culpa lata ae?uiparatur dolo/ * concealed ,ault i( e?ual to a deceit/
Ei incu"bit probatio ?ui dicit& non ?ui negat/ T-e burden o, t-e proo, lie( upon -i" w-o
a,,ir"(& not -e w-o denie(/ Dig/ ##& A& #> Tait on E./ !> ! P-il/ E./ !:@> ! Ereenl/ E./ =ec/ N@> A
8oui(/ R/ %A> # Dan/ Pr/ @$%> @ Bou. 2n(t/ n/ @@!!/
Error ?ui non re(i(titur& approbatur/ *n error not re(i(ted i( appro.ed/ Doct/ 9 =tud/ c/ N$/
Ex dolo "alo non oritur action/ Out o, ,raud no action ari(e(/ Cowper& A@A> Broo"4( Max/ A@:/
Ex ,acto 3u( oritur/ 8aw ari(e( out o, ,act> t-at i(& it( application "u(t be to ,act(/
Ex tota "ateria e"ergat re(olutio/ T-e con(truction or re(olution (-ould ari(e out o, t-e
w-ole (ub3ect "atter/
5rau( e(t celare ,raude"/ 2t i( a ,raud to conceal a ,raud/ ! ;ern/ #N$/
5rau( latet in generalibu(/ 5raud lie( -id in general expre((ion(/
2de" e(t ,acere& et nolle pro-ibere cu" po((i(/ 2t i( t-e (a"e t-ing to do a t-ing a( not to
pro-ibit it w-en in your power/ A Co/ 2n(t/ !N%/
2ncerta pro nulliu( -abentur/ T-ing( uncertain are -eld ,or not-ing/ Da./ AA/
2ncerta ?uantita( .itiat aciu"/ *n uncertain ?uantity .itiate( t-e act/ ! Roll/ R/
2n.ito bene,iciu" non datur/ +o one i( obliged to accept a bene,it again(t -i( con(ent/ Dig/ C$&
!N& :/ But i, -e doe( not di((ent -e will be con(idered a( a((enting/ ;ide *((ent/
<udex da"natur cu" nocen( ab(ol.itur/ T-e 3udge i( conde"ned w-en t-e guilty are
ac?uitted/
<udiciu" non (uo 3udice datu" nulliu( e(t "o"enti/ * 3udg"ent gi.en by an i"proper 3udge
i( o, no "o"ent/ !! Co/ N/
Manga negligentia culpa e(t& "agna culpa dolu( e(t/ Ero(( negligence i( a ,ault& gro(( ,ault i( a
,raud/ Dig C$& !& ##/
Magna culpa dolu( e(t/ Ereat neglect i( e?ui.alent to ,raud/ Dig/ C$& !& ##> # =pear(& R/ #C>
! Bou./ 2n(t/ n/ @/
Peccatu" peccato addit ?ui culpae ?ua" ,acit patrociniu" de,en(ioni( ad3ungit/ He add( one
o,,ence to anot-er& w-o& w-en -e co""it( a cri"e& 3oin( to it t-e protection o, a de,ence/ C Co/
@:/
Vuando do una et eade" re& duo onerabile( exi(tunt& unu(& pro in(u,,icientia alteriu(& de
integro onerabitur/ 6-en two per(on( are liable on a 3oint obligation& i, one "ake( de,ault t-e
ot-er "u(t bear t-e w-ole/ # Co/ 2n(t/ #NN/
Vui non libere .eritate" pronunciat& proditor e(t .erilati(/ He& w-o doe( not willingly (peak
t-e trut-& i( a betrayer o, t-e trut-/
Vui non ob(tat ?uod ob(tare pote(t ,acere .idetur/ He w-o doe( not pre.ent w-at -e can
(ee"( to co""it t-e t-ing/ # Co/ 2n(t/ !@/
Vui non pro-ibit ?uod pro-ibere pote(t a((entire .idetur/ He& w-o doe( not ,orbid w-at -e
can ,orbid& (ee"( to a((ent/ # 2n(t/ A$C/
Vui non propul(at in3uria" ?uando pote(t& in,ert/ He& w-o doe( not repel a wrong w-en -e
can& induce( it/ <enk/ Cent/ #N!/
Vui tacet con(entire .idetur/ He w-o i( (ilent appear( to con(ent/ <enk/ Cent/ A#/
Reprobata pecunia liberat (ol.entu"/ Money re,u(ed liberate( t-e debtor/ : Co/ N:/
En+li), La9
B288= O5 EJCH*+EE *CT !%%#
@A Di(-onour by non1acceptance and it( con(e?uence(
(!) * bill i( di(-onoured by non1acceptance1
(a) w-en it i( duly pre(ented ,or acceptance& and (uc- an acceptance a( i( pre(cribed by t-i(
*ct i( re,u(ed or cannot be obtained> or
(b) w-en pre(ent"ent ,or acceptance i( excu(ed and t-e bill i( not accepted/
(#) =ub3ect to t-e pro.i(ion( o, t-i( *ct w-en a bill i( di(-onoured by non1acceptance& an
i""ediate rig-t o, recour(e again(t t-e drawer and indor(er( accrue( to t-e -older& and no
pre(ent"ent ,or pay"ent i( nece((ary/
CO+=7MER CRED2T *CT !:N@
P*RT 2J <7D2C2*8 CO+TRO8
En,orce"ent o, certain regulated agree"ent( and (ecuritie(
!#N/ (A) T-e court (-all not "ake an en,orce"ent order under (ection C(!) i, (ection !(!)(a)
((igning o, agree"ent() wa( not co"plied wit- unle(( a docu"ent (w-et-er or not in t-e
pre(cribed ,or" and co"plying wit- regulation( under (ection $(!)) it(el, containing all t-e
pre(cribed ter"( o, t-e agree"ent wa( (igned by t-e debtor or -irer (w-et-er or not in t-e
pre(cribed "anner)/
5R*7D *CT #$$
! 5raud
(!) * per(on i( guilty o, ,raud i, -e i( in breac- o, any o, t-e (ection( li(ted on (ub(ection (#)
(w-ic- pro.ide ,or di,,erent way( o, co""itting t-e o,,ence)/
(#) T-e (ection( are )
(a) (ection # (,raud by ,al(e repre(entation)&
(b) (ection A (,raud by ,ailing to di(clo(e in,or"ation)& and
Q (ection @ (,raud by abu(e o, po(ition)/
Pri'ate = International La9
7+2DRO2T PR2+C2P8E= O5 2+TER+*T2O+*8 COMMERC2*8 CO+TR*CT=
*rticle A/% ) 5raud
* party "ay a.oid t-e contract w-en it -a( been led to conclude t-e contract by t-e ot-er
party4( ,raudulent repre(entation& including language& practice(& or ,raudulent nondi(clo(ure
o, circu"(tance( w-ic-& according to rea(onable (tandard( o, ,air dealing& t-e latter party
(-ould -a.e di(clo(ed/
*rticle C/!/A ) Cooperation between t-e partie(
Eac- party (-all cooperate wit- t-e ot-er party w-en (uc- co1operation "ay rea(onably be
expected ,or t-e per,or"ance o, t-at party4( obligation(/
*rticle N/A/@ ) *de?uate *((urance o, Due Per,or"ance
* party w-o rea(onably belie.e( t-at t-ere will be a ,unda"ental non1per,or"ance by t-e
ot-er party "ay "eanw-ile wit--old it( per,or"ance/ 6-ere t-i( a((urance i( not pro.ided
wit-in a rea(onable ti"e t-e party de"anding it "ay ter"inate t-e contract/
*rticle N/@/! ) Rig-t to da"age(
*ny non1per,or"ance gi.e( t-e aggrie.ed party a rig-t to da"age( eit-er exclu(i.ely or in
con3unction wit- any ot-er re"edie( except w-ere t-e non1per,or"ance i( excu(ed under
t-e(e principle(/
*rticle N/@/# ) 5ull co"pen(ation
(!) T-e aggrie.ed party i( entitled to ,ull co"pen(ation ,or -ar" (u(tained a( a re(ult o, t-e
non1per,or"ance/ =uc- -ar" include( bot- any lo(( w-ic- it (u,,ered and any gain o, w-ic- it
wa( depri.ed& taking into account any gain to t-e aggrie.ed party re(ulting ,ro" it( a.oidance
o, co(t or -ar"
(#) =uc- -ar" "ay be nonpecuniary and include(& ,or in(tance& p-y(ical (u,,ering and
e"otional di(tre((/
A Verifie( Plain State*ent of #act
2& 7pper1Ca(e' 8owerQ& *ut-ori(ed Repre(entati.e ,or *EE+T4= =TR*6M*+U& t-e legal
per(on acting a( *gent in Co""erce ,or and on be-al, o, =TR*6M*+& do -ereby (tate clearly
and une?ui.ocally t-at 2 -a.e ,ir(t -and knowledge o, t-e ,act(& and t-at to t-e .ery be(t o, "y
under(tanding& t-e ,ollowing (tate"ent( are true& correct& co"plete and not "i(leading/
Alle+ation).
T-e ,ollowing allegation( ari(e ,ro" t-e conduct o, 8ien Debtor(& bot- directly and indirectly&
in relation to an alleged legally en,orceable con(u"er credit agree"ent& pertaining to
C*P2T*8 T6O M2=TERC*RD JJJJ JJJJ JJJJ JJJJ/
!/ 8ien Clai"ant -a( (een no e.idence to (ugge(t t-at t-e alleged out(tanding balance o,
EBPI%A:/ on t-e abo.e re,erenced account wa( not legally di(c-arged w-en 8ien Debtor !
re,u(ed to accept t-e pay"ent tendered by 8ien Clai"ant on A <anuary #$$:& and 8ien
Clai"ant belie.e( t-at no (uc- e.idence exi(t(/
#/ 8ien Clai"ant -a( (een no e.idence to (ugge(t t-at 8ien Debtor( can (ub(tantiate 8ien
Debtor !4( alleged lo((e( wit- t-e actual accounting o, t-e alleged loan(()& and 8ien Clai"ant
belie.e( t-at no (uc- e.idence exi(t(/
A/ 8ien Clai"ant -a( (een no e.idence to (ugge(t t-at 8ien Debtor ! -a( not ,ailed to pro.ide
ade?uate a((urance( o, due per,or"ance upon rea(onable re?ue(t& and 8ien Clai"ant belie.e(
t-at no (uc- e.idence exi(t(/
@/ 8ien Clai"ant -a( (een no e.idence to (ugge(t t-at a legally en,orceable original con(u"er
credit agree"ent i( in exi(tence between t-e partie(& and 8ien Clai"ant belie.e( t-at no (uc-
e.idence exi(t(/
C/ 8ien Clai"ant -a( (een no e.idence to (ugge(t t-at& according to t-e actual bookkeeping
entrie(& 8ien Debtor ! lent it( own "oney a( ade?uate con(ideration to purc-a(e t-e
pro"i((ory note (alleged loan agree"ent) ,ro" 8ien Clai"ant& and 8ien Clai"ant belie.e(
t-at no (uc- e.idence exi(t(/
/ 8ien Clai"ant -a( (een no e.idence to (ugge(t t-at 8ien Debtor( -a.e not co""itted
"ultiple breac-e( o, t-e O,,ice o, 5air Trading4( 5inal Euidance on 7n,air Bu(ine(( Practice(
(updated Dece"ber #$$)& a( well a( it( guidance on 7n,air Relation(-ip( (May #$$%)& and
8ien Clai"ant belie.e( t-at no (uc- e.idence exi(t(/
N/ 8ien Clai"ant -a( (een no e.idence to (ugge(t t-at& according to t-e actual bookkeeping
entrie(& 8ien Debtor ! did not accept (o"et-ing o, .alue ,ro" 8ien Clai"ant& w-ic- wa( t-en
u(ed to gi.e .alue to a c-e?ue& electronic tran(,er or (i"ilar in(tru"ent& o, approxi"ately t-e
(a"e .alue o, t-e alleged loan(()& and 8ien Clai"ant belie.e( t-at no (uc- e.idence exi(t(/
%/ 8ien Clai"ant -a( (een no e.idence to (ugge(t t-at 8ien Debtor ! ,ollowed 7B E**P (t-e
Eenerally *ccepted *ccounting Principle( o, t-e 7nited Bingdo") in t-e execution o, t-e
alleged loan(()& and 8ien Clai"ant belie.e( t-at no (uc- e.idence exi(t(/
:/ 8ien Clai"ant -a( (een no e.idence to (ugge(t t-at 8ien Debtor ! i( not concealing "aterial
,act( pertaining to any exi(ting& and0or pre.iou(ly exi(ting& legally en,orceable con(u"er
credit agree"ent between t-e partie(& and 8ien Clai"ant belie.e( t-at no (uc- e.idence
exi(t(/
!$/ 8ien Clai"ant -a( (een no e.idence to (ugge(t t-at 8ien Debtor ! lent it( own "oney a(
.aluable con(ideration to purc-a(e t-e pro"i((ory note (alleged loan agree"ent) ,ro" 8ien
Clai"ant& and 8ien Clai"ant belie.e( t-at no (uc- e.idence exi(t(/
!!/ 8ien Clai"ant -a( (een no e.idence to (ugge(t t-at t-e intent o, any exi(ting& and0or
pre.iou(ly exi(ting& con(u"er credit agree"ent wa( t-at t-e party w-o ,unded t-e loan(() i(
not t-e party t-at i( to be repaid t-e "oney& and 8ien Clai"ant belie.e( t-at no (uc- e.idence
exi(t(/
!#/ 8ien Clai"ant -a( (een no e.idence to (ugge(t t-at 8ien Clai"ant did not pro.ide t-e
.aluable con(ideration to ,und t-e alleged loan(() to 8ien Clai"ant& and 8ien Clai"ant
belie.e( t-at no (uc- e.idence exi(t(/
!A/ 8ien Clai"ant -a( (een no e.idence to (ugge(t t-at t-e original con(u"er credit agree"ent
(pro"i((ory note) -a( not been altered& lo(t& depo(ited in t-e wrong account& (old or (tolen&
and 8ien Clai"ant belie.e( t-at no (uc- e.idence exi(t(/
!@/ 8ien Clai"ant -a( (een no e.idence to (ugge(t t-at t-e alleged borrower (8ien Clai"ant)
did not pro.ide t-e ,und( t-at t-e alleged lender (8ien Debtor !) clai"( it lent to 8ien
Clai"ant& and 8ien Clai"ant belie.e( t-at no (uc- e.idence exi(t(/
!C/ 8ien Clai"ant -a( (een no e.idence to (ugge(t t-at 8ien Debtor( do not owe 8ien
Clai"ant& 3ointly and (e.erally& a (u" o, "oney treble t-e .alue o, eac- o, 8ien Debtor(4
in.alid clai"(& plu( t-e alleged a"ount out(tanding& and 8ien Clai"ant belie.e( t-at no (uc-
e.idence exi(t(/
!/ 8ien Clai"ant -a( (een no e.idence to (ugge(t t-at 8ien Clai"ant -a( not already
procured t-e tacit agree"ent o, 8ien Debtor( t-at all o, t-e allegation( (et ,ort- in t-i(
*,,ida.it are ,actually correct& true& and co"plete& and 8ien Clai"ant belie.e( t-at no (uc-
e.idence exi(t(/
!N/ 8ien Clai"ant -a( (een no e.idence to (ugge(t t-at any exi(ting& and0or pre.iou(ly
exi(ting& con(u"er credit agree"ent -a( not been ter"inated by 8ien Clai"ant& and 8ien
Clai"ant belie.e( t-at no (uc- e.idence exi(t(/
Proof of Alle+ation).
!/ Pur(uant to 8ien Debtor !4( di(-onour o, t-e ;ER252ED *552D*;2T O5 5*CT= BD
=PEC252C +EE*T2;E *;ERME+T dated ! Marc- #$$:& a( expre((ed in +OT2CE O5
D2=HO+O7R dated # Marc- #$$:& 8ien Debtor( a,,ir" t-at t-e alleged out(tanding balance
o, t-e abo.e re,erenced account wa( legally di(c-arged w-en 8ien Debtor ! re,u(ed to accept
t-e pay"ent tendered by 8ien Clai"ant on A <anuary #$$:/ 2, no ti"ely rebuttal it i(
*552RMED/
#/ Pur(uant to 8ien Debtor !4( di(-onour o, t-e +OT2CE O5 CO+D2T2O+*8 *CCEPT*+CE
dated #N <uly #$$:& and t-e (ub(e?uent +OT2CE O5 D2=HO+O7R 9 OPPORT7+2TD TO
C7RE dated $N *ugu(t #$$:& 8ien Debtor( a,,ir" t-at t-e alleged out(tanding balance o,
EBPI%A:/ on t-e abo.e re,erenced account cannot be (ub(tantiated wit- t-e actual
accounting o, t-e alleged loan(()/ 2, no ti"ely rebuttal it i( *552RMED/
A/ Pur(uant to 8ien Debtor !4( di(-onour o, t-e +OT2CE REV7E=T2+E *DEV7*TE
*==7R*+CE O5 D7E PER5ORM*+CE dated #! *ugu(t #$$:& and t-e (ub(e?uent +OT2CE
O5 D2=HO+O7R 9 OPPORT7+2TD TO C7RE dated A! *ugu(t #$$:& 8ien Debtor( a,,ir"
t-at ade?uate a((urance o, due per,or"ance -a( not been pro.ided upon rea(onable re?ue(t/
2, no ti"ely rebuttal it i( *552RMED/
@/ Pur(uant to 8ien Debtor !4( di(-onour o, t-e +OT2CE O5 CO+D2T2O+*8 *CCEPT*+CE
dated #N <uly #$$:& and t-e (ub(e?uent +OT2CE O5 D2=HO+O7R 9 OPPORT7+2TD TO
C7RE dated $N *ugu(t #$$:& 8ien Debtor( a,,ir" t-at t-ere i( no legally en,orceable original
con(u"er credit agree"ent in exi(tence between t-e partie(/ 2, no ti"ely rebuttal it i(
*552RMED/
C/ Pur(uant to 8ien Debtor !4( di(-onour o, t-e abo.e re,erenced +OT2CE=& 8ien Debtor(
a,,ir" t-at according to t-e actual bookkeeping entrie(& 8ien Debtor ! did not end it( own
"oney a( ade?uate con(ideration to purc-a(e t-e pro"i((ory note (alleged loan agree"ent)
,ro" 8ien Clai"ant/ 2, no ti"ely rebuttal it i( *552RMED/
/ 5ollowing 8ien Debtor(4 repeated atte"pt( to aggre((i.ely en,orce 8ien Debtor !4( in.alid
clai"& 8ien Debtor( a,,ir" t-at t-ey -a.e co""itted "ultiple breac-e( o, t-e O,,ice o, 5air
Trading4( 5inal Euidance on 7n,air Bu(ine(( Practice( (updated Dece"ber #$$& a( well a( it(
guidance on 7n,air Relation(-ip( (May #$$%)/ 2, no ti"ely rebuttal it i( *552RMED/
N/ Pur(uant to 8ien Debtor !4( di(-onour o, t-e abo.e re,erenced +OT2CE=& 8ien Debtor(
a,,ir" t-at according to t-e actual bookkeeping entrie(& 8ien Debtor ! did accept (o"et-ing o,
.alue ,ro" 8ien Clai"ant& w-ic- wa( t-en u(ed to gi.e .alue to a c-e?ue& electronic tran(,er
or (i"ilar in(tru"ent& o, approxi"ately t-e (a"e .alue o, t-e alleged loan(()/ 2, no ti"ely
rebuttal it i( *552RMED/
%/ Pur(uant to 8ien Debtor !4( di(-onour o, t-e +OT2CE REV7E=T2+E *DEV7*TE
*==7R*+CE O5 D7E PER5ORM*+CE dated #! *ugu(t #$$:& and t-e (ub(e?uent +OT2CE
O5 D2=HO+O7R 9 OPPORT7+2TD TO C7RE dated A! *ugu(t #$$:& 8ien Debtor( a,,ir"
t-at 8ien Debtor( !4( c-artered accountant and auditor at t-e ti"e o, t-e alleged loan(()
cannot con,ir" t-at 8ien Debtor ! ,ollowed 7B E**P in t-e execution o, t-e alleged loan(()/
2, no ti"ely rebuttal it i( *552RMED/
:/ Pur(uant to 8ien Debtor !4( di(-onour o, t-e abo.e re,erenced +OT2CE=& 8ien Debtor(
a,,ir" t-at 8ien Debtor ! -a( concealed "aterial ,act( pertaining to any exi(ting& and0or
pre.iou(ly exi(ting& legally en,orceable con(u"er credit agree"ent between t-e partie(/ 2, no
ti"ely rebuttal it i( *552RMED/
!$/ Pur(uant to 8ien Debtor !4( di(-onour o, t-e +OT2CE REV7E=T2+E *DEV7*TE
*==7R*+CE O5 D7E PER5ORM*+CE dated #! *ugu(t #$$:& and t-e (ub(e?uent +OT2CE
O5 D2=HO+O7R 9 OPPORT7+2TD TO C7RE dated A! *ugu(t #$$:& 8ien Debtor( a,,ir"
t-at 8ien Debtor ! did not lend it( own "oney a( .aluable con(ideration to purc-a(e t-e
pro"i((ory note (alleged loan agree"ent) ,ro" 8ien Clai"ant/ 2, no ti"ely rebuttal it i(
*552RMED/
!!/ Pur(uant to 8ien Debtor !4( di(-onour o, t-e +OT2CE REV7E=T2+E *DEV7*TE
*==7R*+CE O5 D7E PER5ORM*+CE dated #! *ugu(t #$$:& and t-e (ub(e?uent +OT2CE
O5 D2=HO+O7R 9 OPPORT7+2TD TO C7RE dated A! *ugu(t #$$:& 8ien Debtor( a,,ir"
t-at any exi(ting& and0or pre.iou(ly exi(ting& con(u"er credit agree"ent (tipulated t-at t-e
party w-o ,unded t-e loan(() i( t-e party t-at i( to be repaid t-e "oney/ 2, no ti"ely rebuttal
it i( *552RMED/
!#/ Pur(uant to 8ien Debtor !4( di(-onour o, t-e +OT2CE REV7E=T2+E *DEV7*TE
*==7R*+CE O5 D7E PER5ORM*+CE dated #! *ugu(t #$$:& and t-e (ub(e?uent +OT2CE
O5 D2=HO+O7R 9 OPPORT7+2TD TO C7RE dated A! *ugu(t #$$:& 8ien Debtor( a,,ir"
t-at 8ien Clai"ant pro.ided t-e .aluable con(ideration to ,und t-e alleged loan(() to 8ien
Clai"ant/ 2, no ti"ely rebuttal it i( *552RMED/
!A/ Pur(uant to 8ien Debtor !4( di(-onour o, t-e +OT2CE REV7E=T2+E *DEV7*TE
*==7R*+CE O5 D7E PER5ORM*+CE dated #! *ugu(t #$$:& and t-e (ub(e?uent +OT2CE
O5 D2=HO+O7R 9 OPPORT7+2TD TO C7RE dated A! *ugu(t #$$:& 8ien Debtor( a,,ir"
t-at t-e original con(u"er credit agree"ent (pro"i((ory note) -a( been altered& lo(t&
depo(ited in t-e wrong account& (old or (tolen/ 2, no ti"ely rebuttal it i( *552RMED/
!@/ Pur(uant to 8ien Debtor !4( di(-onour o, t-e abo.e re,erenced +OT2CE=& 8ien Debtor(
a,,ir" t-at t-e alleged borrower (8ien Clai"ant) pro.ided t-e ,und( t-at t-e alleged lender
(8ien Debtor !) clai"( it lent to 8ien Clai"ant/ 2, no ti"ely rebuttal it i( *552RMED/
!C/ Pur(uant to 8ien Debtor !4( di(-onour o, t-e abo.e re,erenced +OT2CE=& a( well a( it(
agent(4 di(-onour( o, ,urt-er +OT2CE= O5 CO+D2T2O+*8 *CCEPT*+CE and +OT2CE=
REV7E=T2+E *DEV7*TE *==7R*+CE O5 D7E PER5ORM*+CE& and t-e (ub(e?uent
+OT2CE= O5 D2=HO+O7R 9 OPPORT7+2T2E= TO C7RE& 8ien Clai"ant -a( (een no
e.idence to (ugge(t t-at 8ien Debtor( do not owe 8ien Clai"ant& 3ointly and (e.erally& a (u"
o, "oney treble t-e .alue o, eac- o, 8ien Debtor(4 in.alid clai"(& plu( t-e alleged a"ount
out(tanding& in co"pen(ation ,or t-e co""ercial in3ury cau(ed by 8ien Debtor(/ 2, no ti"ely
rebuttal it i( *552RMED/
!/ Pur(uant to 8ien Debtor !4( di(-onour o, t-e abo.e re,erenced +OT2CE=& a( well a( it(
agent(4 di(-onour( o, ,urt-er +OT2CE= O5 CO+D2T2O+*8 *CCEPT*+CE and +OT2CE=
REV7E=T2+E *DEV7*TE *==7R*+CE O5 D7E PER5ORM*+CE& and t-e (ub(e?uent
+OT2CE= O5 D2=HO+O7R 9 OPPORT7+2T2E= TO C7RE& 8ien Debtor( a,,ir" t-at 8ien
Clai"ant -a( already procured t-e tacit agree"ent o, 8ien Debtor( t-at all o, t-e allegation(
(et ,ort- in t-i( *,,ida.it are ,actually correct& true and co"plete/ 2, no ti"ely rebuttal it i(
*552RMED/
!N/ Pur(uant to t-e +OT2CE O5 TERM2+*T2O+ dated !@ October #$$:& (er.ed on 8ien
Debtor ! by Royal Mail Recorded Deli.ery& 8ien Debtor( a,,ir" t-at any exi(ting& and0or
pre.iou(ly exi(ting& con(u"er credit agree"ent -a( been ter"inated by 8ien Clai"ant/ 2, no
ti"ely rebuttal it i( *552RMED/
Le(+erin+.
T-i( Co""ercial 8ien i( ledgered at treble t-e .alue o, 8ien Debtor(4 in.alid clai"( o,
I%A:/ Pound( =terling (or ,unctional currency o, t-e 7+2TED B2+EDOM O5 ERE*T
BR2T*2+ *+D +ORTHER+ 2RE8*+D& 90or it( (ucce((or()& plu( I%A:/ Pound( =terling
(or ,unctional currency o, t-e 7+2TED B2+EDOM O5 ERE*T BR2T*2+ *+D +ORTHER+
2RE8*+D& 90or it( (ucce((or()& t-e a"ount alleged to be out(tanding by 8ien Debtor(/
TOT*8 *MO7+T O6ED BD C*P2T*8 T6O B*+B (E7ROPE) P8C EBPI #&C!:/$$
TOT*8 *MO7+T O6ED BD M*C57CB DEBT RECO;ERD 82M2TED EBPI #&C!:/$$
TOT*8 *MO7+T O6ED TO 82E+ C8*M*+T BD 82E+ DEBTOR=
52;E THO7=*+D 9 TH2RTD E2EHT EB PO7+D= =TER82+E EBPI C&$A%/$$
Suretie).
=uretie( ,or t-e .alue o, t-i( Co""ercial 8ien are t-e a((et( o, C*P2T*8 T6O B*+B
(E7ROPE) P8C& M*C57CB DEBT RECO;ERD 82M2TED& including& wit-out li"itation& any
and all property& product(& proceed(& bank account(& ,itting( and ,ixture(& -eld or
ad"ini(tered at 8ien Debtor(4 regi(tered o,,ice(/
Default.
2n t-e e.ent o, 8ien Debtor(4 de,ault> (-ould pay"ent in ,ull not be recei.ed by 8ien Clai"ant
,ro" 8ien Debtor( wit-in t-irty (A$) day( o, notice o, (aid de,ault& triple da"age( plu( co(t(
will be added to t-e .alue o, t-i( Co""ercial 8ien and t-e public liability in(urance policie( o,
8ien Debtor( "ay be (eiMed in order to (ati(,y any re"aining .alue/
2, t-i( Co""ercial 8ien -a( not been (ati(,ied in ,ull wit-in ninety (:$) day( o, (er.ice& 8ien
Clai"ant re(er.e( t-e rig-t to i((ue any and all reco.ery proceeding( dee"ed to be nece((ary&
a( well a( t-e rig-t to clai" exe"plary da"age( ,or t-e co""ercial in3urie( cau(ed& w-ic- will
be c-arged at O+E H7+DRED T2ME= THE ;*87E O5 TH2= COMMERC2*8 82E+/
A##IR!ATION
2& 7pper1Ca(e' 8owerQ& in "y capacity a( *gent in Co""erce ,or =TR*6M*+ (8ien
Clai"ant)& and wit- ,ir(t-and knowledge o, t-e ,act( o, t-e "atter& -ereby a,,ir" upon "y
own unli"ited co""ercial liability and under penalty o, per3ury& t-at 2 -a.e read all o, t-e
content( o, page( !1% o, t-i( *,,ida.it o, Obligation& and to t-e .ery be(t o, "y knowledge& 2
belie.e t-at t-e ,act( expre((ed -erein are true& correct and co"plete/
OOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOO
By' 7pper1Ca(e' 8owerQ
*ut-ori(ed Repre(entati.e ,or *EE+T4= =TR*6M*+U
*gent in Co""erce ,or =TR*6M*+ (9 all deri.ati.e( t-ereo,)
*ll Rig-t( Re(er.ed ) 6it-out Recour(e ) +on1*((u"p(it
Error( 9 O"i((ion( Excepted
VERI#IATION
*,,ir"ed& autograp-ed and (ealed (wit- a red t-u"bprint) be,ore "e& OOOOOOOOOO& +otary
Public& on t-e ,i,t- day o, t-e "ont- o, +o.e"ber& in t-e year two t-ou(and and nine *D/
+otary Public' =eal'
=ignature'OOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOO
+OT2CE i( -ereby gi.en t-at t-e 8ien Debtor( -a( (e.en (N) day( ,ollowing receipt o, t-i(
*,,ida.it o, Obligation to rebut& deny& or ot-erwi(e pro.e in.alid t-e allegation( contained
-erein& by deli.ering an appropriate and ti"ely re(pon(e to t-e notary4( o,,ice re,erenced
abo.e/ 5ailure to rebut& deny or ot-erwi(e di(pro.e any o, t-e allegation(& upon ,ull
co""ercial liability and under penalty o, per3ury& will be con(trued a( 8ien Debtor(4
a,,ir"ation t-at (aid allegation( are true& correct and co"plete/
;oid w-ere pro-ibited by law/
OOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOO
+emember, remember, the =th of )ovember. !ince the lien was served on that infamous
date, more than three years later, my favourite accountant has received no further
correspondence from +obin ,oody or his agents, whilst the credit card company now owe
"$=#,>%%.%% in damages.

Con(u"er Credit *ct& Ca(e 8aw 9 t-e Credit Bandit(
The 9ay $%%@ verdict of T,E ,O)O+AB?E 9+ !'9O) B+O4) A1, in
the ,':, 1O;+T OFB;!T'1E, A;EE)! BE)1, 2'/'!'O), Birmingham 2istrict
+egistry, in the case between +an&ine and a gaggle of credit bandits, clearly demonstrates
the reasons why5
aC the credit bandits want every consumer credit agreement to be electronically DsignedE
bC technical arguments pertaining to the 1onsumer 1redit Act are unreliable
cC arguing that the unsigned photocopy of the alleged agreement is not enforcable is not the
silver bullet many of us believe it to be
dC running up credit card accounts with no intention of effecting payment is highly
dishonourable and will almost certainly bac&fire, even if the court has no power to order
repayment
Faragraph G$HC of the 6udgment of !ir Andrew 9orritt /-1 in 4ilson v First 1ounty Trust
?td G$%%#C E41A 1iv H00 1O;+T OF AFFEA?, 1'/'? 2'/'!'O), after Fenelope 4ilson
appealed with permission of Budge ,ull A1 from his decision, sitting in the <ingston upon
Thames 1ounty 1ourt at Epsom on $I !eptember #>>>, refusing her application for a
declaration that the credit agreement which she had entered with the defendant, First
1ounty Trust ?td, on $$ Banuary #>>>, was void and unenforceable5
2n e,,ect& t-e creditorXby ,ailing to en(ure t-at -e obtained a docu"ent (igned by t-e debtor
w-ic- contained all t-e pre(cribed ter"(X"u(t (in t-e lig-t o, t-e pro.i(ion( in (( C(!) and
!#N(A) o, t-e !:N@ *ct) be taken to -a.e "ade a .oluntary di(po(ition& or gi,t& o, t-e loan
"oney( to t-e debtor/ T-e creditor -ad c-o(en to part wit- t-e "oney( in circu"(tance( in
w-ic- it wa( ne.er entitled to -a.e t-e" repaid/L
8ORD +2CHO88= O5 B2RBE+HE*D in t-e Hou(e o, 8ord( 6il(on . 5ir(t County Tru(t 8td
) #$$AT *ll ER (D) !%N (<ul) paragrap- S#:T'
T-e court4( power( under (ection !#N(!) are (ub3ect to (igni,icant ?uali,ication in two type( o,
ca(e(/ T-e ,ir(t type i( w-ere (ection !(!)(a)& regarding (igning o, agree"ent(& i( not
co"plied wit-/ 2n (uc- ca(e( t-e court F(-all not "ake4 an en,orce"ent order unle(( a
docu"ent& w-et-er or not in t-e pre(cribed ,or"& containing all t-e pre(cribed ter"(& wa(
(igned by t-e debtor' (ection !#N(A)/ T-u(& (ignature o, a docu"ent containing all t-e
pre(cribed ter"( i( an e((ential prere?ui(ite to t-e court4( power to "ake an en,orce"ent
order/L
Francis Bennion is the draftsman of the 1onsumer 1redit Act #>3I and a very well respected
Barrister who specialises in 1onsumer ?aw. On his own website he stated5
*( t-e dra,t("an o, t-e Con(u"er Credit *ct !:N@ 2 would like to t-ank Dr Ric-ard 8aw(on
,or -i( intere(ting and well1argued article (A$ *ugu(t #$$A) on 6il(on . 5ir(t County Tru(t
8td S#$$AT 7BH8 @$& S#$$AT @ *ll ER :N/ Dr 8aw(on "ay be intere(ted to know t-at 2
included t-e pro.i(ion in ?ue(tion ((ection !#N(A)) entirely on "y own initiati.e/ 2t (ee"ed
rig-t to "e t-at i, t-e creditor co"pany couldn4t be bot-ered to en(ure t-at all t-e pre(cribed
particular( were accurately included in t-e credit agree"ent it de(er.ed to ,ind it
unen,orceable& and t-at t-e court (-ould not -a.e power to relie.e it ,ro" t-i( penalty/
+obody ?ueried t-i(& and it went t-roug- Parlia"ent wit-out debate/ 24" glad t-e Hou(e o,
8ord( -a( now .indicated "y rea(oning and con,ir"ed t-at nobody4( -u"an rig-t( were
in,ringed/L
E<tract) fro* T,e on)u*er re(it Act />?2
PART I DIRETOR GENERAL O# #AIR TRADING
!/X(!) 2t i( t-e duty o, t-e Director Eeneral o, 5air Trading (L t-e Director K)X
a) to ad"ini(ter t-e licen(ing (y(te" (et up by t-i( *ct&
b) to exerci(e t-e ad3udicating ,unction( con,erred on -i" by t-i( *ct in relation to t-e i((ue&
renewal& .ariation& (u(pen(ion and re.ocation o, licence(& and ot-er "atter(&
c) generally to (uperintend t-e working and en,orce"ent o, t-i( *ct& and regulation( "ade
under it& and
d) w-ere nece((ary or expedient& -i"(el, to take (tep( to en,orce t-i( *ct& and regulation( (o
"ade/
(#) 2t i( t-e duty o, t-e Director& (o ,ar a( appear( to -i" to be practicable and -a.ing regard
bot- to t-e national intere(t and t-e intere(t( o, per(on( carrying on bu(ine((e( to w-ic- t-i(
*ct applie( and t-eir cu(to"er(& to keep under re.iew and ,ro" ti"e to ti"e ad.i(e t-e
=ecretary o, =tate aboutX
a) (ocial and co""ercial de.elop"ent( in t-e 7nited Bingdo" and el(ew-ere relating to t-e
pro.i(ion o, credit or bail"ent or (in =cotland) -iring o, good( to indi.idual(& and related
acti.itie(> and
b) t-e working and en,orce"ent o, t-i( *ct and order( and regulation( "ade under it/
PART II REDIT AGREE!ENTS6 HIRE AGREE!ENTS AND LIN@ED TRANSAT
IONS
%/X(!) * per(onal credit agree"ent i( an agree"ent between an indi.idual (L t-e debtor K)
and any ot-er per(on (L t-e creditorL) by w-ic- t-e creditor pro.ide( t-e debtor wit- credit o,
any a"ount/ (#) * con(u"er credit agree"ent i( a per(onal credit agree"ent by w-ic- t-e
creditor pro.ide( t-e debtor wit- credit not exceeding IC&$$$/
(A) * con(u"er credit agree"ent i( a regulated agree"ent wit-in t-e "eaning o, t-i( *ct i, it
i( not an agree"ent (an K exe"pt agree"ent K) (peci,ied in or under (ection !/
:/X(!) 2n t-i( *ct K credit K include( a ca(- loan& and any ot-er ,or" o, ,inancial
acco""odation/ (#) 6-ere credit i( pro.ided ot-erwi(e t-an in (terling it (-all be treated ,or
t-e purpo(e( o, t-i( *ct a( pro.ided in (terling o, an e?ui.alent a"ount/ (A) 6it-out pre3udice
to t-e generality o, (ub(ection (!)& t-e per(on by w-o" good( are bailed or (in =cotland) -ired
to an indi.idual under a -ire1purc-a(e agree"ent (-all be taken to pro.ide -i" wit- ,ixed1
(u" credit to ,inance t-e tran(action o, an a"ount e?ual to t-e total price o, t-e good( le((
t-e aggregate o, t-e depo(it (i, any) and t-e total c-arge ,or credit/ (@) 5or t-e purpo(e( o, t-i(
*ct& an ite" entering into t-e total c-arge ,or credit (-all not be treated a( credit e.en t-oug-
ti"e i( allowed ,or it( pay"ent/
PART VIII SEURIT%
General
!$C/X(!) *ny (ecurity pro.ided in relation to a regulated agree"ent (-all be expre((ed in
writing/
(#) Regulation( "ay pre(cribe t-e ,or" and content o, docu"ent( (L (ecurity in(tru"ent( K)
to be "ade in co"pliance wit- (ub(ection (!)/
(A) Regulation( under (ub(ection (#) "ay in particularX (a) re?uire (peci,ied in,or"ation to
be included in t-e pre(cribed "anner in docu"ent(& and ot-er (peci,ied "aterial to be
excluded> (b) contain re?uire"ent( to en(ure t-at (peci,ied in,or"ation i( clearly broug-t to
t-e attention o, t-e (urety& and t-at one part o, a docu"ent i( not gi.en in(u,,icient or
exce((i.e pro"inence co"pared wit- anot-er/
(@) * (ecurity in(tru"ent i( not properly executed unle(( (a) a docu"ent in t-e pre(cribed
,or"& it(el, containing all t-e pre(cribed ter"( and con,or"ing to regulation( under
(ub(ection (#)& i( (igned in t-e pre(cribed "anner by or on be-al, o, t-e (urety& and (b) t-e
docu"ent e"bodie( all t-e ter"( o, t-e (ecurity& ot-er t-an i"plied ter"(& and Q t-e
docu"ent& w-en pre(ented or (ent ,or t-e purpo(e o, being (igned by or on be-al, o, t-e
(urety& i( in (uc- (tate t-at it( ter"( are readily legible& and (d) w-en t-e docu"ent i(
pre(ented or (ent ,or t-e purpo(e o, being (igned by or on be-al, o, t-e (urety t-ere i( al(o
pre(ented or (ent a copy o, t-e docu"ent/
(C) * (ecurity in(tru"ent i( not properly executed unle(( (a) w-ere t-e (ecurity i( pro.ided
a,ter& or at t-e ti"e w-en& t-e regulated agree"ent i( "ade& a copy o, t-e executed agree"ent&
toget-er wit- a copy o, any ot-er docu"ent re,erred to in it& i( gi.en to t-e (urety at t-e ti"e
t-e (ecurity i( pro.ided& or (b) w-ere t-e (ecurity i( pro.ided be,ore t-e regulated agree"ent
i( "ade& a copy o, t-e executed agree"ent& toget-er wit- a copy o, any ot-er docu"ent
re,erred to in it& i( gi.en to t-e (urety wit-in (e.en day( a,ter t-e regulated agree"ent i(
"ade/
() =ub(ection (!) doe( not apply to a (ecurity pro.ided by t-e debtor or -irer/
(N) 2,X(a) in contra.ention o, (ub(ection (!) a (ecurity i( not expre((ed in writing& or
(b) a (ecurity in(tru"ent i( i"properly executed& t-e (ecurity& (o ,ar a( pro.ided in relation to
a regulated agree"ent& i( en,orceable again(t t-e (urety on an order o, t-e court only/
(%) 2, an application ,or an order under (ub(ection (N) i( di("i((ed (except on tec-nical
ground( only) (ection !$ (ine,,ecti.e (ecuritie() (-all apply to t-e (ecurity/
(:) Regulation( under (ection $(!) (-all include pro.i(ion re?uiring docu"ent( e"bodying
regulated agree"ent( al(o to e"body any (ecurity pro.ided in relation to a regulated
agree"ent by t-e debtor or -irer/
!!$/X(!) T-e creditor or owner under a regulated agree"ent& wit-in t-e pre(cribed period
a,ter recei.ing a re?ue(t in writing to t-at e,,ect ,ro" t-e debtor or -irer and pay"ent o, a ,ee
o, !C new pence& (-all gi.e t-e debtor or -irer a copy o, any (ecurity in(tru"ent executed in
relation to t-e agree"ent a,ter t-e "aking o, t-e agree"ent/
(#) =ub(ection (!) doe( not apply toX (a) a non1co""ercial agree"ent& or (b) an agree"ent
under w-ic- no (u" i(& or will or "ay beco"e& payable by t-e debtor or -irer& or Q a re?ue(t
"ade le(( t-an one "ont- a,ter a pre.iou( re?ue(t under (ub(ection (!) relating to t-e (a"e
agree"ent wa( co"plied wit-/
(A) 2, t-e creditor or owner under an agree"ent ,ail( to co"ply wit- (ub(ection (!)X (a) -e i(
not entitled& w-ile t-e de,ault continue(& to en,orce t-e (ecurity ((o ,ar a( pro.ided in relation
to t-e agree"ent)> and (b) i, t-e de,ault continue( ,or one "ont- -e co""it( an o,,ence/
Ne+otia:le in)tru*ent)
!#A/X(!) * creditor or owner (-all not take a negotiable in(tru"ent& ot-er t-an a bank note or
c-e?ue& in di(c-arge o, any (u" payableX (a) by t-e debtor or -irer under a regulated
agree"ent& or (b) by any per(on a( (urety in relation to t-e agree"ent/
(#) T-e creditor or owner (-all not negotiate a c-e?ue taken by -i" in di(c-arge o, a (u"
payable a( "entioned in (ub(ection (!) except to a banker (wit-in t-e "eaning o, t-e Bill( o,
Exc-ange *ct !%%#)/
(A) T-e creditor or owner (-all not take a negotiable in(tru"ent a( (ecurity ,or t-e di(c-arge
o, any (u" payable a( "entioned in (ub(ection (!)/
(@) * per(on take( a negotiable in(tru"ent a( (ecurity ,or t-e di(c-arge o, a (u" i, t-e (u" i(
intended to be paid in (o"e ot-er way& and t-e negotiable in(tru"ent i( to be pre(ented ,or
pay"ent only i, t-e (u" i( not paid in t-at way/
!#C/X(@) +ot-ing in t-i( *ct a,,ect( t-e rig-t( o, t-e -older in due cour(e o, any negotiable
in(tru"ent/
PART IA JUDIIAL ONTROL
Enforce*ent of certain re+ulate( a+ree*ent) an( )ecuritie)
!#N/X(!) 2n t-e ca(e o, an application ,or an en,orce"ent order underX (a) (ection C(!)
(i"properly executed agree"ent()& or (b) (ection !$C(N)(a) or (b) (i"properly executed
(ecurity in(tru"ent()& or Q (ection !!!(#) (,ailure to (er.e copy o, notice on (urety)& or
(d) (ection !#@(!) or (#) (taking o, negotiable in(tru"ent in contra.ention o, (ection !#A)& t-e
court (-all di("i(( t-e application i,& but ((ub3ect to (ub(ection( (A) and (@)) only i,& it
con(ider( it 3u(t to do (o -a.ing regard toX
(i) pre3udice cau(ed to any per(on by t-e contra.ention in ?ue(tion& and t-e degree o,
culpability ,or it> and
(ii) t-e power( con,erred on t-e court by (ub(ection (#) and (ection( !AC and !A/
(#) 2, it appear( to t-e court 3u(t to do (o& it "ay in an en,orce"ent order reduce or di(c-arge
any (u" payable by t-e debtor or -irer& or any (urety& (o a( to co"pen(ate -i" ,or pre3udice
(u,,ered a( a re(ult o, t-e contra.ention in ?ue(tion/
(A) T-e court (-all not "ake an en,orce"ent order under (ection C(!) i, (ection !(!)(a)
((igning o, agree"ent() wa( not co"plied wit- unle(( a docu"ent (w-et-er or not in t-e
pre(cribed ,or" and co"plying wit- regulation( under (ection $(!)) it(el, containing all t-e
pre(cribed ter"( o, t-e agree"ent wa( (igned by t-e debtor or -irer (w-et-er or not in t-e
pre(cribed "anner)/
(@) T-e court (-all not "ake an en,orce"ent order under (ection C(!) in t-e ca(e o, a
cancellable agree"ent i,X (a) a pro.i(ion o, (ection # or A wa( not co"plied wit-& and t-e
creditor or owner did not gi.e a copy o, t-e executed agree"ent& and o, any ot-er docu"ent
re,erred to in it& to t-e debt or or -irer be,ore t-e co""ence"ent o, t-e proceeding( in w-ic-
t-e order i( (oug-t& or (b) (ection @(!) wa( not co"plied wit-/
POINTS TO NOTE ON &ILLS O# SALE
Applica:le la9. t,e &ill) of Sale Act /B?B an( t,e &ill) of Sale Act C/B?BD
A*en(*ent Act /BB0"
De,inition' in (/@ o, t-e Bill( o, =ale *ct !%N%& include(1 Kbill( o, (ale& a((ign"ent& tran(,er(&
declaration( o, tru(t wit-out tran(,er or receipt( ,or purc-a(e "oney( o, good(& and ot-er
a((urance( o, per(onal c-attel(& and al(o power( o, attorney& aut-oritie(& or licence( to take
po((e((ion o, per(onal c-attel( o, (ecurity ,or any debt& and al(o any agree"ent& w-et-er
intended or not to be ,ollowed by t-e execution o, any ot-er in(tru"ent& by w-ic- a rig-t in
e?uity to any per(onal c-attel(& or to any c-arge or (ecurity t-ereon& (-all be tran(,erred/L
2t i( a .ery wide de,inition& enco"pa((ing "o(t docu"ent( w-ic- tran(,er a rig-t to per(onal
good( a( (ecurity& but po((e((ion doe( not pa(( to t-e lender/
T-i( rai(e( an i((ue t-at e.en an ordinary con(u"er credit agree"ent& w-ic- i( (ecured on
(o"e c-attel (and i( not a HP or Conditional =ale agree"ent)& could in ,act be a bill o, (aleP/
#or*6 ontent an( Re+i)tration
Correct 5or"' * bill o, (ale i( .oid unle(( in t-e ,or" (et out in t-e =c-edule to t-e !%%# *ct
((ee (/:) (alt-oug- t-i( ,or" "ay be adapted ,or t-e (ake o, clarity)'
T-i( 2ndenture "ade t-e PP day o, PP& between *B o, PP o, t-e one part& and CD o, PP o,
t-e ot-er part& witne((et- t-at in con(ideration o, t-e (u" o, IPP now paid to *B by CD& t-e
receipt o, w-ic- t-e (aid *B -ereby acknowledge( Sor w-ate.er el(e t-e con(ideration "ay
beT& -e t-e (aid *B dot- a((ign unto CD& -i( executor(& ad"ini(trator( and a((ign(& all and
(ingular t-e (e.eral c-attel( and t-ing( (peci,ically de(cribed in t-e (c-edule -ereto annexed
by way o, (ecurity ,or t-e pay"ent o, t-e (u" o, IPP& and intere(t t-ereon at t-e rate o, PP
per cent per annu" Sor w-ate.er el(e "ay be t-e rateT/ *nd t-e (aid *B dot- ,urt-er agree
and declare t-at -e will duly pay to t-e (aid CD t-e principal (u" a,ore(aid& toget-er wit- t-e
intere(t t-en due& by e?ual pay"ent( o, IPP on t-e day o, PPSor w-ate.er el(e "ay be t-e
(tipulated ti"e( or ti"e o, pay"entT/ *nd t-e (aid *B dot- al(o agree wit- t-e (aid CD t-at -e
will S-ere in(ert ter"( a( to in(urance& pay"ent o, rent& or ot-erwi(e& w-ic- t-e partie( "ay
agree to ,or t-e "aintenance or de,ea(ance o, t-e (ecurityT/
Pro.ided alway(& t-at t-e c-attel( -ereby a((igned (-all not be liable to (eiMure or to be taken
po((e((ion o, by t-e (aid CD ,or any cau(e ot-er t-an t-o(e (peci,ied in (ection N o, t-e Bill( o,
=ale *ct (!%N%) *"end"ent *ct !%%#/
2n witne(( etc =ealed and (igned by t-e (aid *B in t-e pre(ence o, "e E5 Sadd witne((4 na"e&
addre(( and de(criptionT
T-e =c-edule to t-e Bill o, =ale' (/@ o, t-e !%%# *ct re?uire( t-at all t-e ite"( on w-ic- t-e
debt i( (ecured be (et out in a =c-edule at t-e end o, t-e Bill o, =ale& and t-e(e "u(t be
(peci,ically de(cribed/ 2t i( .oid again(t any good( o, w-ic- t-e debtor wa( not t-e true owner
at t-e ti"e o, execution ((/C)/
T,e E))ential ontent) of a &ill of Sale. Wit,out 9,ic, t,e :ill i) 'oi("
!/ Date o, t-e bill
#/ +a"e( and addre((e( o, t-e Partie(
A/ =tate"ent o, t-e true con(ideration gi.en
@/ *cknowledge"ent o, receipt o, t-e ad.ance
C/ *n a((ign"ent by way o, (ecurity o, per(onal c-attel( capable o, (peci,ic de(cription
/ T-at it i( a "onetary obligation (rat-er t-an any ot-er) t-at i( (ecured
N/ =tate"ent o, t-e (u" (ecured& t-e rate o, intere(t and t-e repay"ent in(tal"ent(
%/ *greed ter"( ,or t-e "aintenance and de,ea(ance o, t-e (ecurity (ie t-at upon pay"ent o,
t-e principal (u" plu( intere(t& t-e bill (-all be .oid)
:/ * clau(e li"iting t-e ground( o, (eiMure to t-o(e (et out in (/N (t-e(e are u(ually (et out in
,ull)
!$/ Execution by t-e debtor
!!/ *tte(tation by a credible witne(( w-o i( not a party to t-e bill
!#/ * (c-edule de(cribing t-e (ecured c-attel( (t-i( de(cription "u(t not appear wit-in t-e
body o, t-e bill)
Re+i)tration ReEuire*ent). )"B of t,e /BB0 Act reEuire) t,at
T-e duly atte(ted bill o, (ale "u(t be regi(tered wit-in N day( o, it( execution/ T-e correct
proce(( i( to ,ile t-e bill wit- t-e 5iling Depart"ent& Royal Court( o, <u(tice& =trand/ T-e
lender4( copy o, t-e bill will t-en -a.e a =upre"e Court =ta"p& and t-e bill will be entered on
t-e Regi(ter at t-e RC</L
Con(u"er Credit *ct Re?uire"ent(' 2n addition to t-e abo.e& w-ere t-e con(ideration i(
under I#C&$$$& t-e CC* "u(t be co"plied wit-/
!/ T-ere "u(t be a con(u"er credit agree"ent w-ic- co"plie( wit- t-e Con(u"er Credit
(*gree"ent() Regulation( !:%: rule( ((ee (eparate -andout)/
#/ * de(cription o, t-e (ecurity "u(t be (et out in t-e con(u"er credit agree"ent& or t-e bill o,
(ale "u(t be re,erred to/
A/ T-e bill o, (ale "u(t be pre(ented to t-e debtor at t-e (a"e ti"e a( t-e con(u"er credit
agree"ent& and re,erred to wit-in t-e con(u"er credit agree"ent ((ee CC* (/!)/
@/ T-e bill o, (ale (a( a docu"ent re,erred to in t-e con(u"er credit agree"ent) "u(t alway(
be (ent at t-e (a"e ti"e a( t-e con(u"er credit agree"ent/ * (igned copy o, t-e agree"ent
"u(t be (ent to t-e con(u"er ,ollowing execution ((ee CC* ((/# 9 A)/
W,at to (o if (efault i) alle+e(
Repo((e((ion' t-e Creditor can only (eiMe t-e (ecured good( ,or one o, t-e ,i.e rea(on( (et out
in (/N o, t-e !%%# *ct/ T-e 5i.e Eround( ,or =eiMure ((/N)'
!/ De,ault in pay"ent( or t-e per,or"ance o, any co.enant w-ic- i( (a) contained in t-e Bill
and (b) nece((ary ,or "aintaining t-e (ecurity/
#/ Bankruptcy o, t-e debtor or t-e (eiMure o, t-e good( ,ro" -i" ,or rent& rate( or taxe(/
A/ 2, t-e debtor ,raudulently re"o.e( t-e good( ,ro" -i( pre"i(e(/
@/ 2, t-e debtor unrea(onably re,u(e( to produce -i( la(t receipt ,or rent& rate( or taxe(/
C/ 2, execution -a( been le.ied again(t t-e good( under any 3udge"ent at law/
Con(u"er Credit *gree"ent(' 6-ere t-e bill o, (ale i( part o, a con(u"er credit agree"ent&
t-e creditor "u(t (er.e notice under (/%N o, t-e CC* gi.ing t-e debtor N day( to re"edy t-e
de,ault/
*t t-i( point& t-e debtor can apply to Court ,or a Ti"e Order& under (/!A$ o, t-e CC*& (o t-at
-e can -a.e longer t-an t-e N day( to re"edy t-e de,ault/ T-e (/N Pro.i(o' e.en w-ere t-e
good( -a.e been (eiMed& (/N o, t-e !%%# *ct pro.ide( t-at w-ere any o, t-e ,i.e ground( -a(
been relied on& t-e debtor "ay apply to t-e Hig- Court& wit-in C day( o, any (eiMure/ 2, t-e
3udge i( (ati(,ied t-at t-e debtor can take (o"e (tep to re"o.e t-e ba(i( o, t-e ground (eg by
pay"ent o, arrear( etc)& -e "ay order t-at t-at t-e creditor be re(trained ,ro" re"o.ing or
(elling t-e good(& or "ake any order a( "ay (ee" 3u(t/
5or ,urt-er in,or"ation' (ee Hal(bury4( 8aw( on Bill( o, =ale/
<a(on 5ree"an&
Barri(ter&
O,,ice o, 5air Trading&
<a(on/,ree"anYo,t/g(i/go./uk/
&ill) of Sale Act /B?B.
*n *ct to con(olidate and a"end t-e 8aw ,or pre.enting 5raud( upon Creditor( by (ecret Bill(
o, =ale o, Per(onal C-attel(/
1 Application of Act
T-i( *ct (-all apply to e.ery bill o, (ale executed on or a,ter t-e ,ir(t day o, <anuary one
t-ou(and eig-t -undred and (e.enty1nine (w-et-er t-e (a"e be ab(olute& or (ub3ect or not
(ub3ect to any tru(t) w-ereby t-e -older or grantee -a( power& eit-er wit- or wit-out notice&
and eit-er i""ediately or at any ,uture ti"e& to (eiMe or take po((e((ion o, any per(onal
c-attel( co"pri(ed in or "ade (ub3ect to (uc- bill o, (ale/
2 Interpretation of ter*)
2n t-i( *ct t-e ,ollowing word( and expre((ion( (-all -a.e t-e "eaning( in t-i( (ection
a((igned to t-e" re(pecti.ely& unle(( t-ere be (o"et-ing in t-e (ub3ect or context repugnant
to (uc- con(truction> (t-at i( to (ay)&
T-e expre((ion Kbill o, (aleL (-all include bill( o, (ale& a((ign"ent(& tran(,er(&
declaration( o, tru(t wit-out tran(,er& in.entorie( o, good( wit- receipt t-ereto attac-ed&
or receipt( ,or purc-a(e "oney( o, good(& and ot-er a((urance( o, per(onal c-attel(& and
al(o power( o, attorney& aut-oritie(& or licen(e( to take po((e((ion o, per(onal c-attel( a(
(ecurity ,or any debt& and al(o any agree"ent& w-et-er intended or not to be ,ollowed by
t-e execution o, any ot-er in(tru"ent& by w-ic- a rig-t in e?uity to any per(onal c-attel(&
or to any c-arge or (ecurity t-ereon& (-all be con,erred& but (-all not include t-e ,ollowing
docu"ent(> t-at i( to (ay& a((ign"ent( ,or t-e bene,it o, t-e creditor( o, t-e per(on
"aking or gi.ing t-e (a"e& "arriage (ettle"ent(& tran(,er( or a((ign"ent( o, any (-ip or
.e((el or any (-are t-ereo,& tran(,er( o, good( in t-e ordinary cour(e o, bu(ine(( o, any
trade or calling& bill( o, (ale o, good( in ,oreign part( or at (ea& bill( o, lading& 2ndia
warrant(& ware-ou(e1keeper(4 certi,icate(& warrant( or order( ,or t-e deli.ery o, good(& or
any ot-er docu"ent( u(ed in t-e ordinary cour(e o, bu(ine(( a( proo, o, t-e po((e((ion or
control o, good(& or aut-ori(ing or purporting to aut-ori(e& eit-er by indor(e"ent or by
deli.ery& t-e po((e((or o, (uc- docu"ent to tran(,er or recei.e good( t-ereby repre(ented'
T-e expre((ion Kper(onal c-attel(L (-all "ean good(& ,urniture& and ot-er article( capable
o, co"plete tran(,er by deli.ery& and (w-en (eparately a((igned or c-arged) ,ixture( and
growing crop(& but (-all not include c-attel intere(t( in real e(tate& nor ,ixture( (except
trade "ac-inery a( -ereina,ter de,ined)& w-en a((igned toget-er wit- a ,ree-old or
lea(e-old intere(t in any land or building to w-ic- t-ey are a,,ixed& nor growing crop(
w-en a((igned toget-er wit- any intere(t in t-e land on w-ic- t-ey grow& nor (-are( or
intere(t( in t-e (tock& ,und(& or (ecuritie( o, any go.ern"ent& or in t-e capital or property
o, incorporated or 3oint (tock co"panie(& nor c-o(e( in action& nor any (tock or produce
upon any ,ar" or land( w-ic- by .irtue o, any co.enant or agree"ent or o, t-e cu(to" o,
t-e country oug-t not to be re"o.ed ,ro" any ,ar" w-ere t-e (a"e are at t-e ti"e o,
"aking or gi.ing o, (uc- bill o, (ale'
Per(onal c-attel( (-all be dee"ed to be in t-e Kapparent po((e((ionL o, t-e per(on
"aking or gi.ing a bill o, (ale& (o long a( t-ey re"ain or are in or upon any -ou(e& "ill&
ware-ou(e& building& work(& yard& land& or ot-er pre"i(e( occupied by -i"& or are u(ed
and en3oyed by -i" in any place w-at(oe.er& notwit-(tanding t-at ,or"al po((e((ion
t-ereo, "ay -a.e been taken by or gi.en to any ot-er per(on'
Pre(cribedL "ean( pre(cribed by rule( "ade under t-e pro.i(ion( o, t-i( *ct/
B A'oi(ance of unre+i)tere( :ill of )ale in certain ca)e) A/
E.ery bill o, (ale to w-ic- t-i( *ct applie( (-all be duly atte(ted and (-all be regi(tered under
t-i( *ct& wit-in (e.en day( a,ter t-e "aking or gi.ing t-ereo,& and (-all (et ,ort- t-e
con(ideration ,or w-ic- (uc- bill o, (ale wa( gi.en& ot-erwi(e (uc- bill o, (ale& a( again(t all
tru(tee( or a((ignee( o, t-e e(tate o, t-e per(on w-o(e c-attel(& or any o, t-e"& are co"pri(ed
in (uc- bill o, (ale under t-e law relating to bankruptcy or li?uidation& or under any
a((ign"ent ,or t-e bene,it o, t-e creditor( o, (uc- per(on& and al(o a( again(t all (-eri,,(
o,,icer( and ot-er per(on( (eiMing any c-attel( co"pri(ed in (uc- bill o, (ale& in t-e execution
o, any proce(( o, any court aut-ori(ing t-e (eiMure o, t-e c-attel( o, t-e per(on by w-o" or o,
w-o(e c-attel( (uc- bill -a( been "ade& and al(o a( again(t e.ery per(on on w-o(e be-al, (uc-
proce(( (-all -a.e been i((ued& (-all be dee"ed ,raudulent and .oid (o ,ar a( regard( t-e
property in or rig-t to t-e po((e((ion o, any c-attel( co"pri(ed in (uc- bill o, (ale w-ic-& at or
a,ter t-e ti"e o, ,iling t-e petition ,or bankruptcy or li?uidation& or o, t-e execution o, (uc-
a((ign"ent& or o, executing (uc- proce(( (a( t-e ca(e "ay be)& and a,ter t-e expiration o, (uc-
(e.en day( are in t-e po((e((ion or apparent po((e((ion o, t-e per(on "aking (uc- bill o, (ale
(or o, any per(on again(t w-o" t-e proce(( -a( i((ued under or in t-e execution o, w-ic-
(uc- bill -a( been "ade or gi.en& a( t-e ca(e "ay be)/
#ro* &ou'ier).
CHECB& contract(/ * written order or re?ue(t& addre((ed to a bank or per(on( carrying on t-e
banking bu(ine((& and drawn upon t-e" by a party -a.ing "oney in t-eir -and(& re?ue(ting
t-e" to pay on pre(ent"ent to a per(on t-erein na"ed or to bearer& a na"ed (u" o, "oney/
#/ 2t i( (aid t-at c-eck( are uni,or"ly payable to bearer C-it/ on Bill(& @!!> but t-at i( not (o in
practice in t-e 7nited =tate(/ t-ey are generally payable to bearer& but (o"eti"e( t-ey are
payable to order/
A/ C-eck( are negotiable in(tru"ent(& a( bill( o, exc-ange> t-oug-& (trictly (peaking& t-ey are
due be,ore pay"ent -a( been de"anded& in w-ic- re(pect t-ey di,,er ,ro" pro"i((ory note(
and bill( o, exc-ange payable on a particular day/ N T/ R/ @A$/
@/ T-e di,,erence( between a co""on c-eck and a bill o, exc-ange& are& ,ir(t& t-at a c-eck "ay
be taken a,ter it i( o.erdue& and (till t-e -older i( not (ub3ect to t-e e?uitie( w-ic- "ay exi(t
between t-e drawer and t-e party ,ro" w-o" -e recei.e( it> in t-e ca(e o, bill( o, exc-ange&
t-e -older i( (ub3ect to (uc- e?uity/ A <o-n/ Ca(/ C& :> : B/ 9 Cr/ A%%/ =econdly& t-e drawer o, a
bill o, exc-ange i( liable only on t-e condition t-at it be pre(ented in due ti"e& and& i, it be
di(-onored& t-at -e -a( -ad notice> but (uc- i( not t-e ca(e wit- a c-eck& no delay will excu(e
t-e drawer o, it& unle(( -e -a( (u,,ered (o"e lo(( or in3ury on t-at account& and t-en only pro
tanto/ A Bent& Co"/ !$@ n/ Ct- ed/> % <o-n/ Ca(/ #> =tory& Pro"/ +ote(& @:#/
C/ T-ere i( a kind o, c-eck known by t-e na"e o, "e"orandu" c-eck(> t-e(e are gi.en in
general wit- an under(tanding t-at t-ey are not to be pre(ented at t-e bank on w-ic- t-ey are
drawn ,or pay"ent> and& a( between t-e partie(& t-ey -a.e no ot-er e,,ect t-an an 2O7& or
co""on due bill> but t-ird per(on( w-o beco"e t-e -older( o, t-e"& ,or a .aluable
con(ideration& wit-out notice& -a.e all t-e rig-t( w-ic- t-e -older( o, ordinary c-eck( can
law,ully clai"/ =tory& Pro"/ +ote(& @::/
/ Ei.ing a creditor a c-eck on a bank doe( not con(titute pay"ent o, a debt/ ! Hall& C& N%> N
=/ 9 R/ !!> # Pick/ #$@> @ <o-n/ #:/ =ee A Rand/ @%!/ But a tender wa( -eld good w-en "ade
by a c-eck contained in a letter& re?ue(ting a receipt in return& w-ic- t-e plainti,, (ent back&
de"anding a larger (u"& wit-out ob3ecting to t-e nature o, t-e tender/ A Bou./ 2n(t/ n/ #@A/
N/ * c-eck deli.ered by a te(tator in -i( li,eti"e to a per(on a( a gi,t& and not pre(ented till
a,ter -i( deat-& wa( con(idered a( a part o, -i( will& and allowed to be pro.ed a( (uc-/ A Curt/
Ecc/ R/ C$/ ;ide& generally&@ <o-n/ R/ A$@> N <o-n/ R/ #> # ;e(/ 3r/ !!!> Del./ @& b& note> N
=erg/ 9 Rawle& !!> A <o-n/ Ca(/ C& #C:> 6end/ R/ @@C> # +/ 9 M/ #C!> ! Black,/ R/ !$@> ! 8itt/
R/ !:@> # 8itt/ R/ #::> Cowen& R/ @%@> @ Har/ 9 </ #N> !A 6end/ R/ !AA> !$ 6end/ R/ A$@> N
Har/ 9 </ A%!> ! Hall& R/ N%> !C Ma((/ R/ N@> @ Derg/ R/ #!$> : =/ 9 R/ !#C> # =tory& R/ C$#> @
6-art/ R/ #C#/
CHECB BOOB& co""erce/ One kept by per(on( w-o -a.e account( in bank& in w-ic- are
printed blank ,or"( o, c-eck(& or order( upon t-e bank to pay "oney/
&ill) of Sale Act C/B?BD A*en(*ent Act /BB0.
? &ill of )ale 9it, po9er to )eiFe e<cept in certain e'ent) to :e 'oi(
Per(onal c-attel( a((igned under a bill o, (ale (-all not be liable to be (eiMed or taken
po((e((ion o, by t-e grantee ,or any ot-er t-an t-e ,ollowing cau(e('X
(!)2, t-e grantor (-all "ake de,ault in pay"ent o, t-e (u" or (u"( o, "oney t-ereby (ecured
at t-e ti"e t-erein pro.ided ,or pay"ent& or in t-e per,or"ance o, any co.enant or agree"ent
contained in t-e bill o, (ale and nece((ary ,or "aintaining t-e (ecurity>
(#)2, t-e grantor (-all beco"e bankrupt& or (u,,er t-e (aid good( or any o, t-e" to be
di(trained ,or rent& rate(& or taxe(>
(A)2, t-e grantor (-all ,raudulently eit-er re"o.e or (u,,er t-e (aid good(& or any o, t-e"& to
be re"o.ed ,ro" t-e pre"i(e(>
(@)2, t-e grantor (-all not& wit-out rea(onable excu(e& upon de"and in writing by t-e grantee&
produce to -i" -i( la(t receipt( ,or rent& rate(& and taxe(>
(C)2, execution (-all -a.e been le.ied again(t t-e good( o, t-e grantor under any 3udg"ent at
law'
Pro.ided t-at t-e grantor "ay wit-in ,i.e day( ,ro" t-e (eiMure or taking po((e((ion o, any
c-attel( on account o, any o, t-e abo.e1"entioned cau(e(& apply to t-e Hig- Court& or to a
3udge t-ereo, in c-a"ber(& and (uc- court or 3udge& i, (ati(,ied t-at by pay"ent o, "oney or
ot-erwi(e t-e (aid cau(e o, (eiMure no longer exi(t(& "ay re(train t-e grantee ,ro" re"o.ing
or (elling t-e (aid c-attel(& or "ay "ake (uc- ot-er order a( "ay (ee" 3u(t/
S5!N* De,ault( under con(u"er credit agree"ent(
(!)Paragrap- (!) o, (ection N o, t-i( *ct doe( not apply to a de,ault relating to a bill o, (ale
gi.en by way o, (ecurity ,or t-e pay"ent o, "oney under a regulated agree"ent to w-ic-
(ection %N(!) o, t-e M!Con(u"er Credit *ct !:N@ applie(X
(a)unle(( t-e re(triction i"po(ed by (ection %%(#) o, t-at *ct -a( cea(ed to apply to t-e bill o,
(ale> or
(b)i,& by .irtue o, (ection %: o, t-at *ct& t-e de,ault i( to be treated a( not -a.ing occurred/
(#)6-ere paragrap- (!) o, (ection N o, t-i( *ct doe( apply in relation to a bill o, (ale (uc- a( i(
"entioned in (ub(ection (!) o, t-i( (ection& t-e pro.i(o to t-at (ection (-all -a.e e,,ect wit-
t-e (ub(titution o, Kcounty courtL ,or KHig- CourtL/T
*nnotation('
*"end"ent( (Textual)
5!=/ N* added by Con(u"er Credit *ct !:N@ (c/ A:& =25 $)& (/ !:#(@)& =c-/ @ Pt/ 2 para/ !
B &ill of )ale to :e 'oi( unle)) atte)te( an( re+i)tere(
E.ery bill o, (ale (-all be duly atte(ted& and (-all be regi(tered under t-e principal *ct wit-in
(e.en clear day( a,ter t-e execution t-ereo,& or i, it i( executed in any place out o, England
t-en wit-in (e.en clear day( a,ter t-e ti"e at w-ic- it would in t-e ordinary cour(e o, po(t
arri.e in England i, po(ted i""ediately a,ter t-e execution t-ereo,> and (-all truly (et ,ort-
t-e con(ideration ,or w-ic- it wa( gi.en> ot-erwi(e (uc- bill o, (ale (-all be .oid in re(pect o,
t-e per(onal c-attel( co"pri(ed t-erein/
> #or* of :ill of )ale
* bill o, (ale "ade or gi.en by way o, (ecurity ,or t-e pay"ent o, "oney by t-e grantor t-ereo,
(-all be .oid unle(( "ade in accordance wit- t-e ,or" in t-e (c-edule to t-i( *ct annexed/
/8 Atte)tation
T-e execution o, e.ery bill o, (ale by t-e grantor (-all be atte(ted by one or "ore credible
witne(( or witne((e(& not being a party or partie( t-ereto / / / / / / 5!
*nnotation('
*"end"ent( (Textual)
5!6ord( repealed by =tatute 8aw Re.i(ion *ct !%:% (c/ ##)
/7 Repeal of part of &ill) of Sale Act6 /B?B
/ / / / / / 5! all / / / / / / 5! enact"ent( contained in t-e principal *ct w-ic- are incon(i(tent wit-
t-i( *ct are repealed / / / / / / 5!
*nnotation('
*"end"ent( (Textual)
5!6ord( repealed by =tatute 8aw Re.i(ion *ct !%:% (c/ ##)
/G In)pection of re+i)tere( :ill) of )ale
/ / / 5! any per(on (-all be entitled at all rea(onable ti"e( to (earc- t-e regi(ter& on pay"ent o,
a ,ee o, S5#CpT& or (uc- ot-er ,ee a( "ay be pre(cribed& and (ub3ect to (uc- regulation( a( "ay
be pre(cribed& and (-all be entitled at all rea(onable ti"e( to in(pect& exa"ine& and "ake
extract( ,ro" any and e.ery regi(tered bill o, (ale wit-out being re?uired to "ake a written
application& or to (peci,y any particular( in re,erence t-ereto& upon pay"ent o, S5#CpT ,or
eac- bill o, (ale in(pected& and (uc- pay"ent (-all be "ade by a 3udicature (ta"p' Pro.ided
t-at t-e (aid extract( (-all be li"ited to t-e date( o, execution& regi(tration& renewal o,
regi(tration& and (ati(,action& to t-e na"e(& addre((e(& and occupation( o, t-e partie(& to t-e
a"ount o, t-e con(ideration& and to any ,urt-er pre(cribed particular(/
*nnotation('
*"end"ent( (Textual)
5!6ord( repealed by =tatute 8aw Re.i(ion *ct !%:% (c/ ##)
5#6ord (ub(tituted by .irtue o, Deci"al Currency *ct !:: (c/ !:)& (/ !$(!)
Hueen;) &enc, Di'i)ion +ui(ance on &ill) of Sale.
!#/@ Bill( o, =ale *ct( !%N% and !%%# and t-e 2ndu(trial and Pro.ident =ocietie( *ct !:N
(R=C O/:C)'
!#/@/! E.ery bill o, (ale and ab(olute bill o, (ale to w-ic- t-e *ct o, !%N% applie( "u(t be
regi(tered under (/% o, t-at *ct& wit-in N clear day( o, it( "aking& and& under (/!! o, t-e *ct o,
!%N%& t-e regi(tration o, a bill o, (ale "u(t be renewed at lea(t once e.ery C year(/ T-e regi(ter
,or t-e purpo(e o, t-e Bill( o, =ale *ct( contain( t-e particular( o, regi(tered bill( o, (ale and
an alp-abetical index o, t-e na"e( o, t-e grantor(& and i( kept in t-e *ction Depart"ent in
Roo" E!$/
!#/@/# *n application to regi(ter a bill o, (ale w-ic- i( "ade wit-in t-e pre(cribed ti"e (-ould
be "ade by ,iling in Roo" E!N t-e original bill o, (ale and any docu"ent annexed to it
toget-er wit- a witne(( (tate"ent or a,,ida.it in ,or" P5 !N: or P5 !%$/ *n application to re1
regi(ter a bill o, (ale w-ic- i( "ade wit-in t-e pre(cribed ti"e (-ould be "ade by ,iling in
Roo" E!N a witne(( (tate"ent or a,,ida.it in ,or" P5 !%!/
!#/@/A *n application to recti,y>
(!) an o"i((ion to regi(ter& by extending t-e ti"e ,or regi(tration& or
(#) an o"i((ion or "i(1(tate"ent o, t-e na"e& re(idence or occupation o, a per(on in t-e
regi(ter& by correcting t-e regi(tration&
"u(t be "ade by witne(( (tate"ent or a,,ida.it to a Ma(ter o, t-e Vueen4( Benc- Di.i(ion/ 2n
addition to t-e "atter( (et out in ,or"( P5 !N: or P5 !%$& t-e e.idence in (upport "u(t al(o
(et out t-e particular( o, t-e o"i((ion and (tate t-e ground( on w-ic- t-e application i( "ade/
!#/@/@ 6-ere t-e re(idence o, t-e grantor o, t-e bill o, (ale or t-e per(on again(t w-o" t-e
proce(( i( i((ued i( out(ide t-e 8ondon bankruptcy di(trict& or w-ere t-e bill o, (ale de(cribe(
t-e good( a( being in a place out(ide t-at di(trict& t-e Central O,,ice will (end copie( o, t-e bill
o, (ale to t-e appropriate county court di(trict 3udge/
!#/@/C T-e Ma(ter& on being (ati(,ied t-at t-e o"i((ion or "i(1(tate"ent o, na"e& re(idence
or occupation o, a per(on in t-e regi(ter wa( accidental or due to inad.ertence& "ay order t-e
o"i((ion or "i(1(tate"ent to be recti,ied by t-e in(ertion in t-e regi(ter o, t-e correct na"e&
re(idence or occupation o, t-e per(on/
!#/@/ 6-ere t-e Ma(ter i( (ati(,ied t-at t-e o"i((ion to regi(ter a bill o, (ale or a witne((
(tate"ent or a,,ida.it o, renewal wit-in t-e pre(cribed ti"e wa( accidental or due to
inad.ertence& -e "ay extend t-e ti"e ,or regi(tration on (uc- ter"( a( -e t-ink( ,it/ 2n order
to protect any creditor( w-o -a.e accrued rig-t( o, property in t-e a((et( in re(pect o, w-ic-
t-e bill o, (ale wa( granted between t-e date o, t-e bill and it( actual regi(tration& any order to
extend t-e ti"e ,or regi(tration will nor"ally be "ade Fwit-out pre3udice4 to t-o(e creditor(/
T-e order will be drawn up in ,or" P5 !%#/
!#/@/N *n application ,or an order t-at a "e"orandu" o, (ati(,action be written on a
regi(tered copy o, a bill o, (ale& "ade wit-out t-e con(ent o, t-e per(on entitled to t-e bene,it
o, t-e bill o, (ale& "u(t be "ade by t-e i((ue o, a Part % Clai" 5or"/ 6-ere t-e con(ent o, t-e
per(on entitled to t-e bene,it o, t-e bill o, (ale -a( been obtained& t-e application "ay be
"ade by a witne(( (tate"ent or a,,ida.it containing t-at con(ent and .eri,ying t-e (ignature
on it/ 5or" P5 !%A contain( precedent( ,or t-e e.idence and ,or"( o, con(ent/ 6-ere t-e
application i( "ade wit- con(ent& t-e e.idence need not be (er.ed on any ot-er per(on/ 2, t-e
Ma(ter i( (ati(,ied on t-e e.idence& -e will endor(e -i( appro.al on t-e witne(( (tate"ent or
a,,ida.it (an order i( not nor"ally drawn up) and (end it to Roo" E!N ,or (ati(,action to be
entered/ 2, a copy o, t-e bill o, (ale -a( been (ent to a county court di(trict 3udge& a notice o,
(ati(,action will be (ent to t-at di(trict 3udge/
!#/@/% 6-ere t-e con(ent -a( not been obtained& t-e Clai" 5or" "u(t be (er.ed on t-e
per(on entitled to t-e bene,it o, t-e bill o, (ale and "u(t be (upported by e.idence t-at t-e
debt (i, any) ,or w-ic- t-e bill o, (ale wa( "ade -a( been (ati(,ied or di(c-arged/
!#/@/: *n application to re(train re"o.al on (ale o, good( (eiMed in accordance wit- R=CO/:C
r/A and under t-e pro.i(o to (/N o, t-e Bill( o, =ale *ct (!%N%) *"end"ent *ct !%%# "u(t be
"ade by t-e i((ue o, a Part % Clai" 5or" ,or -earing be,ore t-e 2nteri" *pplication( <udge/
!#/@/!$ 7nder t-e 2ndu(trial and Pro.ident =ocietie( *ct !:N an application to record an
in(tru"ent creating a ,ixed or ,loating c-arge on t-e a((et( o, a regi(tered (ociety or to recti,y
any o"i((ion or "i(1(tate"ent in it "u(t be "ade wit-in !@ day( beginning wit- t-e date o,
it( execution/
!#/@/!! 7nder R=C O/:C r/C and in accordance wit- (/!(C) o, t-e *ct o, !:N t-e court "ay
order>
(!) t-at t-e period ,or "aking an application ,or recording a c-arge be extended& or
(#) an o"i((ion or "i(1(tate"ent in (uc- an application be recti,ied/
T-e procedure ,or obtaining an order a( in (!) or (#) abo.e i( (i"ilar to t-at under (/ !@ o, t-e
Bill( o, =ale *ct !%N% and "u(t be "ade by witne(( (tate"ent or a,,ida.it to a Ma(ter o, t-e
Vueen4( Benc- Di.i(ion a( in paragrap- !#/@/A abo.e and "u(t ex-ibit a copy o, t-e
in(tru"ent duly aut-enticated in t-e pre(cribed "anner toget-er wit- any ot-er particular(
relating to t-e c-arge/
!#/@/!# R=C O/:C r/A re,er( to t-e a((ign"ent o, book debt(> t-e regi(ter o, a((ign"ent( o,
book debt( i( kept in Roo" E!$ in t-e Central O,,ice/ *n application ,or regi(tration under (/
A@@ o, t-e 2n(ol.ency *ct !:% (-ould be "ade in accordance wit- R=C O/:C r/(#)/ Partie(
"ay u(e ,or" P5 !% ,or t-eir e.idence in (upport/ 2t i( -elp,ul i, t-e original a((ign"ent i(
al(o produced/
Bill( o, =ale *ct !%:$'
*n *ct to exe"pt certain letter( o, -ypot-ecation ,ro" t-e operation o, t-e Bill( o, =ale *ct
!%%#/ S!%t- *ugu(t !%:$T
!/ Exe"ption o, (ecuritie( on i"ported good( ,ro" @! 9 @# ;ict/ c/ A! and @C 9 @ ;ict/ c/ @A/
S5! !/
*n in(tru"ent c-arging or creating any (ecurity on or declaring tru(t( o, i"ported good(
gi.en or executed at any ti"e prior to t-eir depo(it in a ware-ou(e& ,actory& or (tore& or to
t-eir being re(-ipped ,or export& or deli.ered to a purc-a(er not being t-e per(on gi.ing or
executing (uc- in(tru"ent& (-all not be dee"ed a bill o, (ale wit-in t-e "eaning o, t-e Bill( o,
=ale *ct( !%N% and !%%#/T
*nnotation('
*"end"ent( (Textual)
5!
=/ ! (ub(tituted by Bill( o, =ale *ct !%:! (c/ AC)& (/ !
#/ =a.ing( o, @ 9 @N ;ict/ c/ C# (/ @@/
+ot-ing in t-i( *ct (-all a,,ect t-e operation o, (ection ,orty1,our o, t-e Bankruptcy *ct !%%A
in re(pect o, any good( co"pri(ed in any (uc- in(tru"ent a( i( -erein1be,ore de(cribed& i,
(uc- good( would but ,or t-i( *ct be good( wit-in t-e "eaning o, (ub1(ection t-ree o, t-at
(ection/
Another 6udge rules against the credit bandits, but this time it was in the county court, on
the grounds that 9B)A had breached the ;nfair +elationships Act, because it earned
commission from the insurance company for the policy it had sold, without the card holders
consent5
-ttp'00www/"ailon(unday/co/uk0new(0article1!#!N!NA0<udge1?ua(-e(1wo"an(1%1$$$1
credit1card1debt1land"ark1ruling1"i(1(elling1pay"ent1protection1in(urance/-t"l
#/! =ection !@$B (et( out t-e power( a.ailable to t-e court w-ere it deter"ine( t-at t-e
relation(-ip i( un,air to t-e borrower/ *n order "ade by t-e court "ay do one or "ore o, t-e
,ollowing'
re?uire t-e lender& or an a((ociate or ,or"er a((ociate& to repay (in w-ole or part) any (u"
paid by t-e borrower (or a (urety) by .irtue o, t-e credit agree"ent or any related agree"ent
re?uire t-e lender& or an a((ociate or ,or"er a((ociate& to do or not to do (or to cea(e doing)
anyt-ing (peci,ied in t-e order in connection wit- t-e agree"ent or any related agree"ent
reduce or di(c-arge any (u" payable by t-e borrower (or a (urety) by .irtue o, t-e
agree"ent or any related agree"ent
(et a(ide (in w-ole or part) any duty i"po(ed on t-e borrower (or a (urety) by .irtue o, t-e
agree"ent or any related agree"ent
alter t-e ter"( o, t-e agree"ent or any related agree"ent
direct t-e return to a (urety o, any property pro.ided by -i" ,or t-e purpo(e( o, a (ecurity
direct account( to be taken between any per(on(
#/!N *n order "ay be "ade on an application by t-e borrower (or a (urety) eit-er a( a (tand1
alone application or a( part o, court proceeding( in relation to t-e credit agree"ent or a
related agree"ent/
=ection !@$B(:) pro.ide( t-at i, t-e borrower (or a (urety) allege( t-at t-e credit relation(-ip
i( un,air& it i( ,or t-e lender to pro.e t-e contrary/ 2n ot-er word(& t-e onu( o, proo, i( on t-e
lender to (-ow t-at t-e relation(-ip i( not un,air/
SPT
A/!C *( noted abo.e& an un,air relation(-ip "ay ari(e by .irtue o,'
(a) t-e ter"( o, t-e credit agree"ent (or a related agree"ent)
(b) t-e way in w-ic- t-e lender -a( exerci(ed or en,orced it( rig-t( under t-e agree"ent (or a
related agree"ent)& or
(c) any ot-er t-ing done (or not done) by or on be-al, o, t-e lender eit-er be,ore or a,ter t-e
"aking o, t-e agree"ent (or a related agree"ent)/
A/! T-e "eaning o, (a) and (b) i( ,airly (traig-t,orward/ 2n t-e O5T4( .iew category (c) i(
intended to be a( broad a( po((ible& to en(ure co"plete ,lexibility ,or t-e court(/ 2t
enco"pa((e( bot- act( and o"i((ion(& (uc- a( w-ere t-e lender (or an e"ployee& agent or
a((ociate) -a( ,ailed to take certain (tep( w-ic-& in t-e intere(t( o, ,airne((& -e "ig-t
rea(onably be expected to -a.e taken/
A/!N 2n our .iew& category (c) would include& ,or exa"ple& pre1contract bu(ine((
practice( ((uc- a( ad.erti(ing) and po(t1contract action( not ba(ed on a rig-t ((uc- a(
de"anding (u"( o, "oney t-e con(u"er -a( not agreed to pay)/ Rele.ant o"i((ion( "ig-t
include ,ailure to pro.ide key in,or"ation in a clear and ti"ely "anner (or at all)& or to
di(clo(e "aterial ,act(/ Category (c) would al(o enco"pa(( act( or o"i((ion( w-ic- are non1
co""ercial/
3.18
Bill of Particulars - What is it and When Can They Be Used?
Last Updated: April 23, 2013
)f you live in a state which allows the bill of particulars, you have a potentially powerful tool if you are defending
against a lawsuit. " bill of particulars can sometimes be used instead of the discovery process. )f you live in a state
that allows it, one of the first things you and?or your attorney should do is submit a 3emand for a -ill of Particulars.
+his is one of the toughest tools you have for defending yourself in court - an opportunity to find out e;actly what is
alleged against you so you can prepare your defense accordingly. " bill of particulars may be used in either criminal
defense or in civil litigation. *owever, for the purposes here, we will mainly give e;amples related to defending your
self against a debt lawsuit.
Please 'ote: I AM NOT A LAWYER. )f you are facing court, it's ALWAYS a good idea to hire an attorney or get
some legal assistance. 3epending on your area and circumstances, in some cases, you can get free help. )f you
cannot afford it, though, take heart. ,ot of people have handled their cases pro per %in other words, without a
lawyer.&
Which States Allow the Use of a Bill of Particulars?
State Statute
California Code of Civil Procedure section 454
New Yor
Cit!
Civil Court CP"# 3$4
%elaware &'"" () P*#+'C,"*#- . C'/'" #,"0 12
'llinois
Co34iled -tatutes 535 '"C- 5 Code of Civil
Procedure. -ection 1.2$5
/ir6inia Co33onwealt7 of /ir6inia #ule 5&81
9eor6ia +7e Code 4rovides in 81.1$5: inter alia: ;'n
suits on accounts a bill of 4articulars s7ould be
attac7ed.;
What is a Bill of Particulars?
" -ill of Particulars is a written statement outlining the reasons a plaintiff filed a lawsuit against a defendent. )t is a
detailed, formal, written statement of charges or claims by a plaintiff or the prosecutor given upon the defendant's
formal re2uest to the court for more detailed information.
What is the Purpose of a Bill of Particulars?
" -ill of Particulars re2uests details on everything the plaintiff states is the meat of the case. +his prevents
surprises, enabling the defendant to prepare the strongest defense possible. " -ill of Particulars is also in the best
interest of the >udicial process overall: +he sooner a plaintiff and defendent are on the same page about the e;act
nature of the lawsuit, the more efficiently and effectively the case can move through the system.
How is a Bill of Particulars Different Fro the Disco!ery Process?
)n the discover! process, the defendent seeks evidence or strategy by which the plaintiff will build its case. +his is
the proof the plaintiff has against the defendent. " -ill of Particulars includes no such proof or strategy, but only a
list of reasons the lawsuit has been filed.
Who Can "e#uest a Bill of Particulars?
+he defendant re2uests it to clarify the case, the plaintiff cannot re2uest it.
Under What Circustances Would a Defendent Pro!ide a Bill of Particulars to a
Plaintiff?
(H, so there is a situation where the defendant would be asked for a -ill of Particulars. )f you file a counterclaim,
the plaintiff may re2uest a -ill of Particulars from you.
What Should $ou As% for in a Bill of Particulars?
+he nature of the lawsuit determines what should be included in a -ill of Particulars. =or instance, if you are being
sued for an unpaid balance on a credit card, your 3emand for a -ill of Particulars should re2uest:
"greement and?or contract of the relevant account.
Proof the plaintiff owns the account.
,ist of items for which payment is being sought.
,ist of dates associated with each item, transaction or service.
,ist of charges per item, transaction or service.
/eans by which the plaintiff determined amount owed and for what.
What is a &eneric For for a Bill of Particulars
+o P,")'+)==IIIIIIII and Jits?theirK attorneys of record herein: 31/"'3 )< *1#1-L /"31 BP(' L(B,
pursuant to $alifornia $ode of $ivil Procedure section .5., to furnish to 3efendant IIIIIIII, within 0 days, a
-ill of Particulars setting forth all items and details of the account on which the cause of action for Jgoods sold and
deliveredK Jmoney had and receivedK Jmoney lent or paidK J2uantum meruitK of plaintiff s complaint is based, '
including the date of each transaction, a description of the services, materials or goods supplied or other
considerations rendered, the price or charge made for each item, all payments or credits that have been made to
the account and any agreement assigning the account at issue to the plaintiff.
3ated: IIIIIIIII IIIIIIIIIIIIIIIIIIIII
31=1'3"'+
(n What Forat Will $ou "ecei!e the "esponse Bill of Particulars?
,ocal court rules determine the format for which a -ill of Particulars must be prepared and submitted.
How is the &ettin) the Plaintiff to Answer the Bill of Particulars *nforced?
(nce a demand has been received for a -ill of Particulars, the receiving party should submit it voluntarily. )f not,
you can file a motion asking the court to force the submission of documentation.
What if a Plaintiff +,-ects to the Bill of Particulars?
#esponse to (b>ection for -ill of Particulars
(n IIII, 3efendant served its re2uest for a -ill of Particulars on Plaintiff. Pursuant to $$P section .5., Plaintiff
has ten days to respond or it will Mbe precluded from giving evidence thereof.M "s described below, plaintiffs'
response is entirely deficient.
"s a preliminary matter, plaintiff s ob>ection to 3efendant s -ill of Particulars is not well taken. Plaintiff has ' '
alleged a cause of action for (pen -ook "ccount. " -ill of Particulars is appropriate under this legal theory as
plaintiff concedes in ultimately responding.
+he response served, however is not sufficient. Plaintiff has not provided an itemiNation of the account showing all
charges and credits thereto. )t has not provided the underlying contract referred to in the complaint. 'or has it
provided any contract of assignment of the claim at issue in this litigation. <uch basic information is re2uired to
prove plaintiff s claim. Plaintiff should have such information readily at hand. )f not, it is difficult to understand '
how plaintiff ac2uired a good faith basis to file the lawsuit. )ndeed, the only account statements plaintiff has
provided demonstrate full payment of the amounts re2uested.
Please serve a full response on or before Jinsert date 0 days from date of letterK. )f Plaintiff fails to do so,
3efendant will move the $ourt for an order re2uiring a further response or, in the alternative, an order precluding
Plaintiff from offering any such evidence at trial.