They knew what the rates earned
The pricing record, run-down strategy, Warwick and Avon reports, and the itemised fees and credits.
Read the knowledge and charges evidence →06 / Read the sources
Documents and video
The Bank communications and Richardson’s evidence can be viewed as images. The 25 July 2025 letter retains its header, with my postal address and personal email redacted. Other image viewers identify any omitted headers or redactions.
The December complaint
Photographs, suicidal distress recorded by the firm, the CSAT review, Christmas Eve letter and corrected account.
Read the December 2019 record →Was possession a last resort?
The Service’s hold request and the servicer’s reply.
Read the 2021 sequence →Request, reply and later admission
The dated question, the Bank’s reply, the Decision and the Bank’s later reliance on it.
Read the documents and sequence →The Bank’s two communications
Images availableProject Verde evidence
Image availableVideo explanation
I plan to explain the documents and the current position in my own words.
YouTube link to followThe source-image viewers are part of this local draft. No case PDFs or video have been posted.