files diary system 104 cases a month 7 hrs times 5 days write letter, copy & post short

settlement 75% of debt via branch manager good trick 28k to 12 companies down to 12k by phone them all looked at file he bankrupt aunt offered 1000 to settle ie 12k in total. within one day they all accepted. your gonna get nothing or something? which? something. if back against wall & keep them off stay in touch with them. in arrears called delinquents like children. misrepresentation act chasing for promissary notes returned. and current accounts agreements. intangible documents and kept stolen. if you cannot return the promissary notes i gave you ie bank then i want the cash equivalent and we will say no more about it. lloyds/tsb seem to lose all your credit agreements the bank as the trustee even if they lose it they still owe me the face value, so whether they lost it or not they still owe the face value. jurisdictionery download from google basic rules on how to play the game is american but basic rules are the same. it's a three step process yet the majority of the results come from the first letter. possible a few phone calls. use for big and small things to keep cash coming in. 1 to 3 weeks to get cash. example - dealing various companies such as sky, bank,gas,electric,mobile phone, whatever etc. when you get into a contract with those companies, the company is supposed to provide you with a service in other words everything is supposed to go smoothly well. because i do not see any company that says hey come take out a mobile phone contract with us you can expect things to go wrong from day one. you can be on the phone for 8 hours per week as we solve the set up problems, yes after a month we are going to deduct from your bank account 3 direct debits and you will have 2 days worth of hassle trying to sort it out at our call centre where you will be on the phone for ages while we give you the run around and you will get angry and frustrated. it doesn't say all this kind of stuff because if they did you wouldnt go do business with them. within any contract that you sign up to all of the adverts form that contract so anything that is advertised forms part of the contract. and unless it says that you can expect to have to spend a whole host of time correcting there errors, well remember the way your contracts work when someone makes a claim against you and doesnt tell you what they are going to give you in damages if they are wrong you can take/tell the damages.

similar if a company doesnt tell you they are gonna pay you if they make any errors or they force you to get involved by phoning them up or writing to them to highlight their own errors to them, if they dont tell you what they are gonna pay you for that then you tell what they have to pay you for that but you have to be real and realistic, so have i charged anyone a million pounds a hour for my time the chances are i'd end up in a lien which i will have to take to court and liquidate the lien in some way shape or form. For most people who are having difficulty with jobs or your out of work or you just want to see the fruits of a few successes under your belt, what you have to do is keep the amounts realistic, so i try to keep the amounts under the 500 mark. so i am really fare some i charge 15 per letter you cannot say fareer than that in court but i was charging 35 per error so i thought. bank account natwest the helpful bank not used so decided i wanted to close it so the sum of 19.00 was in the account so i wrote to them on a specific date saying in 3 lines send the closing balace to at this location. they replied with an unsigned letter saying sorry cannot do, so made a phone call to natwest and keeping notes of dates times who speaking to, number phoned, how long on phone plus notes on how they treat you such as speak over you and do not listen, refuse to get a manager, they cannot answer/refuse to answer a question, anything they do wrong you make a note of it, this is all leverage, leverage, it's your weaponry that your picking up. promised a phone call back from the manager. during the phone call i established that if the customer makes an error like bounces a cheque or direct debit that the bank will charge them 35. so the prescidence has been set by the bank at 35 per error. if a customer makes an error and bounces a cheque and doesn't have enough money in their account you charge 35 by that rasionale when you make an error you pay 35 isn't that correct? YES so 2 errors - letter and no phone call back 70 make a few more phone calls and get through to a guy who says he is gonna arrange for a cheque for the closing balance and agrees to send a cheque for the 70. get 70 letter but no closing balance cheque. phone them again and saying hold on first notice sent to them is the most important because this is where you set your scene so you want it to sound all most like a complaint letter but you have to use the right words and cast your magic, use your word magic and cast your spells and paint the picture and make it sound awful that they have treated you awfully. because then you are going to get them on your side.

adressed as private and confidental in all block caps to the manager national westminster bank helpful banking dept in brackets 123 some road london postcode date notice dear sirs, demand for administrative costs 300 on the 18th may 2001 your offices where contacted by letter 3 lines long demanding that the final and closing balance with effect from 18th may 2001 by forwarded to simon spaniard. on the 27th of may you responded from bolton stating that you could not action the contents of the letter because there was no instruction as to who the final balance should be sent to [error no 1]. Really this constituted an error on the part of you and your agents and as you levy fees of 35 for customer errors (ie if a customer bounces a direct debt or cheque) the precident for damages oblique costs in respect of errors has been set by you. save to administrative time and costs incurred by me in correcting and highlighting your errors. on the 28 june 2001 your offices where contacted at 9.10 am and during a call which lasted 5 minutes and 11 seconds you said a manager would respond by telephone, no phone call was recieved as promised [error no 2]. on the 9th july 2011 your offices where again contacted by way of telephone that was to 0800 080 6000 at 11,50 am and Mohamed gave assurances that the balance as at 18th may 2011 would be dispatched within 14 days together with a cheque for 70 to cover the above errors 1 and 2, 2 times 35 equals 70. However he also gave assurances that a call would be recieved with a manager within 5 days. on the 15th july 2011 with no phone call having been recieved [error no 3], your offices where again contacted at 2.10 pm in a call lasting 8 minutes and 5 seconds where upon sue round claimed that no administrative costs would be paid, thereby accepting the costs but mayly refusing to pay them. and as such a fee of 15 was levied for the call and this was of course [error no 4]. Fees at that time totalled 4 times 35 equals $140 plus 15 for the call is 155. on the 15th july 2011 you sent a letter enclosing a cheque for 70 and on the 21st you sent a further letter enclosing what you claimed to be the closing balance of 12.86 the latter of which also stated that a closing statement would be sent under separate cover. to date no such closing statement has been received. the closing balance cheque of 12.86 is incorrect according to your own statement of account which clearly documented the balance as at the 31st of may as being 19.04 it is therefore accepted that the

closing balance of 12.86 is/was the closing balance as at the 18th may 2011 upon condition you prove it [error no 5]. on the 29th july your offices where contacted by telephone fee 15 at 9.30 am where upon louis promised that laura a manager would phone to discuss the matter the call lasted 11 minutes and 19 seconds. that call did not materialise [error no 6]. total fees outstanding at this point being 6 times 35 which is 210 plus 2 times 15 is 30 making a grand total of 240. on the 4th of august 2011 a call was made to 0845 060 7074 at 10.06am whereupon samantha lee handled the call which lasted 7 minutes and 6 seconds though she could not provide assistance, a number for head office was requested but samantha insisted that she did not know the number and instead offered an email address call fee 15 255 in total. on the 4th of auguest having sourced the customer relations number from your own web site, a call was made at 11.34am during which the call lasted 4 minutes and 38 seconds a chap called savve explained that natwest did not operate outbound phone facilities, really call fee 15. 270 in total. Savve also made it clear that he would not and could not phone back dispite the call having been made by mobile. and so a call was ade to 0131 550 0155 at 11.40am and craig mckay the executive office was spoken to during the call which lasted 2 minutes and 34 seconds, craig agreed to phone me back, he did phone me back and during a lenghty conversation craig stated that he wonted to resolve the issue and would pay whatever it took to resolve the matter. The fee schedule was reduced to a total of 255 plus the closing balance and an assurance was given by craig that the 70 cheque from natwest should be cashed and he would phone back to confirm that a further 185 would be forwarded with the correct closing balance. fee for the call 15. grand total 285. Alas craig's returning call was missed and craig left on annual leave. on the 15th august having made a call at 5pm to craig by the 0131 number mentioned previously craig explained that natwest would now not honour the balance and the fees despite his previous promise (and a meeting of minds) and that natwest ascerted that the closing balance cheque to be correct [error no 7], call fee 15. bringing the total fees outstanding to 335. A fee of 35 is hereby levied for the construct and preparation of this first notice and fees of 35 will and shall be levied for every subsequent letter and notice. i trust that small claims court action will not be necessary and i further trust that you can explain how the 12.86 closing balance has been arrived at given that the balance on your own statements clearly showing as 19.04 as at the 31st may 2011. further to the conditional acceptance stated here in this notice, you agree that in the event that you are unable to prove that your ascertion is correct, that you agree to meet damages in the sum certain of 125. i therefore look forward to recieving the proof that the balance as of the 18th of may 2011 was 12.86 within 21 days

of the date of this notice, demand here with the balance of fess, costs the balance constituting my administrative works for assisting you in correcting your errors. 335 plus 35 is 370 less the 70 you have already sent me leaves 300. i trust that you will prove your claims and you provide helpful banking, though conditional acceptence demanding you provide helpful banking will not be made at this stage. yours faithfully simon spaniard principal note: 21 days after sending that I got a cheque for 300 --------------------------------------a few days later wrote again 2nd letter for 125 plus call fees 50=175 to recover time and energy the managing director (trustee) natwest bank (nominee) street postcode 27th sept Dear sirs notice of demand for adminstrative costs (note because the costs have gone up due to me still chasing up the correct cheque balance so used same type of notice as first notice. because i didnt recieve cheque or closing statement plus the conditional acceptence of 125 if they couldnt prove balance was 12.86 within 21 days). on the 17th of august you were posted a notice demanding costs for which i have recieved a cheque thank you. alas i have still not recieved the correct closing balance cheque in the sum of 19.04 so attached is a scan of your statement of account it appears you have difficulty in accessing your own records despite repeated notices directing you to your error and highlighting the same. your failings have forced me to yet again serve notice on you that you have made errors and yet in truth how difficult can it really be to send the clsoing balance cheque for the correct amount. prior to the last notice craig mckay assured me that obtaining a cheque of r12.86 and awainting a balance yet this has still not materialised. as agreed you now owe me 125 for failing to prove that the closing balance is or was 12.86 together with 35 for the error and 15 for my compiling, composing and typing, printing, enveloping travelling to and from the post office and effecting the postage of this notice and scanning and printing of this enclosed statement produced by you. Kindly ensure that the

correct closing balance of 1904 is recieved by me within 28 days of the date of this notice. kindly also ensure that a cheque in the sum of 175 is also received by me within this time period. an administrative fee of 15 will be levied for each subsequent notice issued and posted and this very basic administrative matter is forced to be raised in the small claims court for fees and costs in accordance with the litigant in person fees and costs 1975 act will be levied. I trust the you will resolve this matter once and for all and you will review your internal administrative procedures without the need for small claims court action. yours master simon spaniard principal made a few more calls and made one final call fed up and going to send a notice of fault and opportunity to cure. i have sent you this notice and you have not responded. what is going on. followed by notice of default you agree you owe the money and you just not paying so i will take them to court. claims from 40 to millions small claims court 5000 to 15000 or county high amounts is high court if you have no facts and are in agreement so you should just ask for a declartory judgemnt there stamp of approval so you can enforce in the public. so you may not need to issue an m1 claim form companies say they pay out as a goodwill gesture which is non taxable sky - emailed for password lost - can you log in to email us - fees start for time and energy and to correct their errors and administrative procedures. more calls and an email. dear jeremy i hope your well please note that i have cut and pasted an email document

into this document see attached. the fee for compiling, composing, typing, printing travelling to the post office and posting this notice is 50 as agreed by the email. for highlighting yet another error (broken promise to make contact within 48 hours after your email dated 5th sept the fee levied is 35. therefore the sum total now demanded is 380 plus 85 equats to 465. kindly ensure that a cheque for this amount is received by me no later than the 7th of october 2011 on another note the account information is still outstanding and really how difficult is it to confirm precisely what viewing packages make up the monthly account bill of 52. you are supposed to be administrating this acccount are you not? kindly forward some credit slips for this account together with a copy of the original agreement and terms and conditions as you believed applied at the inception and as you believe apply now. i trust that small claims court action will not be necessary. yours faithfully note no response to that letter so on 13th october i wrote demand for administrative fees and notice of fault and opportunity to cure dear jeremy itrust you are well please note i am disappointed to have no response to my letter dated 16th sept 2011. nor have i recieved administrative fees and costs demanded. from a service point of view this is quite appealing i am still awaiting confirmation breaking down the 52 pound monthly tv package, how hard can this really be? the amount of 465 which was due, now stands at 500 pounds a further 35 pounds been levied in administrative costs in contemplating, constructing, typing, printing and folding this document and accompanying documents into the envelope and posting this envleope containing this and accompanying documents. kindly ensure that a cheque for 500 pounds is received by me within 28 days of the date of this notice. calls and previous communications are attached, i trust small claims court action will not be necessary to receive the information demanded and enforce the costs demanded.

------------------------no response to that notice either made a few more calls ended up in call centres got no where transferred offshore and told i couldn't be transferred back to blighty. called sky's pr dept from website nice girl put through to exec complaints and rang back now owed 660 quid she gave me info i orginally asked for in 10 secs take 330 now or 660 goes to legal ... took 330 now explain and dress up the compalints, aggrevation and hassle and correct it how difficult is it who is training your staff? easy to become slack with not alot of training and stuff goes missing. call to someone senior and they make a deal with you. ask questions and remain claim. point out their duties 100% serious and competent and have some up sleeve some students take 25 and 1000 between 2 of them document intangibles ... book entry values bonding or insurance on employees without their knowing conflict of interest make more from death than your life if a bank has a policy on you because of your signature its more beneficial to them that you lose job, accident, die etc so they can claim big money. note insurance companies want you to return the certificate even after you left is because your still insured the company that holds that certificate is actually still liaable. you car insurance cancel policy or cease payment with insurance company if cert not returned and you have an accident company still has to pay out signed a statutary declaration of no knowledge because he couldnt remember incident. car speed plus 6 points he asked for proof and they couldnt produce it and it was dismissed. stat decs powerful and they dont want it in court and kick it out. cea not proper logo paper and no service plus stat dec pro forma judgement via county court ... majestrates court

no one sworn it in realty no date squiggle sig and only sworeing before me so who swore it. fraud and misrepresntation. ----------------------------------------section 83 of the bill of exchange act promissary note is to be treated as cash i promise to pay the bearer on demand the sum of signed just an iou court of appeal said a promissary note is cash and inland revenue accept cash. legal tender just means you don't have to use it it really means they cannot reuse it. -----------------------------------------other notes She filed a demurrer, it? is a pleading in a lawsuit that objects to or challeng es a pleading filed by an opposing party. The opposing party being the cop. Because there was no crime, there was no cause of action. If there is no cause o f action there is no case, and a court can only hear cases. Again like tactikalguy said, "I think where you were at they are honest, because a lot of places will just say denied denied denied." filed a motion in open court and case dismissed. suspended license case motion puts burden of proof on police to prove their case and since there was no victim there is no case so it's all fraud. learn the rules and procedure before going into court. corpus delecti proof of loss, injury or harm. the body of a crime. judge is your enemy court a battlefield and your solicitor is their spy. the game is rigged just like the stock market.