“1 Claimant mortgagor. Pensioner dob 14.11.1950. Original loan (ref 60922494220100) from mortgagee Birmingham Midshires (BOS)£86,274.00 inc. fees started on 29.7.2010. Interest rate 4.24% above BBR bank base rate. 2 Claim for extreme distress/humiliation by repeat harassment oppression by BOS spurious interest to Claimant’s mortgage account; defamation consequent adverse credit record. Fiduciary breach Oct 2016 settle; Data Breach [ see WS1 doc 9 “Pentland”]. C PTSD anxiety home being repossessed, frequent suicidal thoughts. 3 Harassment/coercion – Roberts v BOS [2013]; Kosar v BOS [2011] WS1 Defamation/libel – Triad v Makar [2022]; Turley v Unite [2019] D repeat continued to publish. Data Breach Fiduciary Duty Unfairness UCTA – Vidal-Hall v Google [2015]; NI 2014 (all re BOS) “shocking” unfair trading/“unilateral” contract, Rea; McGready; Laverty (here C not ever in arrears) Distress/humiliation/intimidation/oppression – Roberts; Kosar; Fin Conduct A Report 2020 (WS3) Aggravated/Exemplary damages – NI 2014 cases R, M & L “shocking” (all 3 J’s concur); repeat harassment repeat adverse credit libel repeat BOS insolence/denial liability reneged Oct 2016. 4 Particulars 4.1 Harassment/coercion unconscionable repeated via BOS PLC£86,000.00 4.2 Defamation / Libel / Slander by BOS£80,000.00 4.3 Duty of Care / Data Breach Con/Fiduciary re persistent A/C errors UCTA; shocking NI 2014 case; Data breach/Conf Vidal-Hall 2015£163,000.00 4.4 Distress / Humiliation - Repeated Fail; False accts. e.g. re 2000 FCA Report£42,000 4.5 Aggravated Damages 30% – 4.1 to 4.4; persistent repeated oppressive BOS unlawful conduct£111,300.00 (i) Exemplary Damages - set at 50% As the Court sees fit. “Shocking”
“1. GROUND 1 – PROCEDURAL ERROR IN APPLICATION OF THE LAW There was an apparent misreading ofPD 3C paragraph 3.3(1) by which the new [unfair relationship] claim was unlawfully struck out by wrongly deciding that the 5.9.2023 ECRO applies to the [unfair relationship] claim proceedings when it does Not apply. 2. GROUND 2 – UNFAIRNESS AND ABUSE OF PROCESS Regarding the alleged pressure/misconduct by the Defendant detailed in the Claimant’s Statement: The Court seemingly allowed itself to be wrongfully pressurised to strike out by the Defendant attempting to mislead the Court into believing thatPractice Direction 3C paragraph 3.3(1) allowed the strikeout of the [unfair relationship] claim.”
“It is the plain and unqualified obligation of every person against, or in respect of whom, an order is made by a court of competent jurisdiction, to obey it unless and until that order is discharged. The uncompromising nature of this obligation is shown by the fact that it extends even to cases where the person affected by an order believes it to be irregular or even void”
“This, in their Lordships’ view, says all that needs to be said upon this topic. It is in itself sufficient reason for dismissing this appeal.”
“If it had been an injunction, no question could have arisen before him as to whether the injunction was rightly imposed. That could only have arisen if the defendant had either appealed against the injunction if one had been granted or, which is the equivalent in the case of an undertaking, had been asked to be released from his undertaking. It cannot be too clearly stated that, when an injunctive order is made or when an undertaking is given, it operates until it is revoked on appeal or by the court itself, and it has to be obeyed whether or not it should have been granted or accepted in the first place.”
“Having come to the conclusion that Garland J.'s order was properly made, the next question which has to be considered is the effect of the advice which was understandably given to [the Home Secretary] that the order was made without jurisdiction. Here there are two important considerations. The first is that the order was made by the High Court and therefore has to be treated as a perfectly valid order and one which has to be obeyed until it is set aside.”
“68. In my judgment, although made without jurisdiction, the order was not a nullity. The normal rule about orders which, on their face, are regular, but which are in fact made without jurisdiction is that they remain in force until such time as they are discharged: - see Hadkinson v Hadkinson [1952] 285, 288 per Romer LJ … ”
“22. It is an important principle of the administration of justice that an order of a court of competent jurisdiction made in the exercise of that jurisdiction, as it was in this case, is valid and binding until it is varied or set aside, either on appeal or in the proper exercise of the court's own jurisdiction. (It is unnecessary in this case to consider the position in relation to an order which is unlawful on its face or which is made in excess of jurisdiction, though, as appears from the authorities, an order which is valid on its face is binding even if it was made in excess of jurisdiction and is therefore liable to be set aside.) It is necessary that that should be the case, both in order to preserve the authority of the courts and thereby the orderly administration of justice and to ensure that those who have to take action on the basis of the court's orders may be confident that they can lawfully do so.”
“13. In approaching this appeal, we remind ourselves that there is a long-standing principle of our law that there is an obligation to obey an apparently valid order of a court unless and until that order is set aside. This is a crucial feature of a civilized society which has respect for the rule of law. The authorities amply demonstrate that that is the long-standing principle of our legal system.”
“56. In the light of this consistent body of authority stretching back to 1846, it is apparent that the alleged invalidity of the order made by the First-tier Tribunal had no bearing on the challenge to the decision of the Secretary of State. Even assuming that the order was invalid, the Secretary of State was nevertheless obliged to comply with it, unless and until it was varied or set aside. The allegation that the order was invalid was not, therefore, a relevant defence to the application for judicial review of the Secretary of State’s decision.”