Plaintiff Correspondence
All email correspondence is contained in this location. All other documents are attached (below) either as a PDF file or Word doc. Please check dates to gain a chronological order of correspondence.
DAS = Plaintiff Solicitors Dibbs Abbott Stillman Lawyers
MCW = Defendant Solicitors Macedone Christie Willis (they were dropped quickly once we realised they were protecting the bank and condoning the fraud conducted by the bank.
At the time of uploading all documents we were unable to attach the email correspondence and have cut & pasted them below. Arthur Cristian
You will notice just how naive & frightened we were when we were dealing with Paul Kean from Macedone Christie Willis. We were convinced that we must sell the home regardless of what happened. Paul Kean convinced us to sell and we blindly followed his guidance. You willl also notice how the law is structured to send people down pathways that favour the banks. Paul Kean, whether innocent or not, refused to look upon the mortgage contract as fraudulent and mostly just suggests that we salvage what we can financially out of the whole situation. He was adamant that we had no lawful leg to stand on. We were amazed to comprehend that the mortgage was deemed more powerful than the fraud conducted by the bank.
There was no meeting of the minds when the contract and the mortgage were signed (based on Mercantile Law - fraudulent misrepresentation - unconscionable conduct - tort of deceit etc) but Banks are deemed legally more powerful than any current law and this has been backed up by the solicitors, lawyers, regsitrars and judges throughout our legal proceedings. There is something terribly wrong with our universities and the legal system when brainwashed or arrogant representatives of the law condone fraud over and above any agreement. They are being taught and encouraged to cleverly craft the law, and their legal work, in ways that will only protect the bank while destroying Australian citizens. Pieces of paper have usurped flesh and blood human beings. How insane has the world become.
16th May 2005
----- Original Message -----
From: "Gary Koning"
To: "Arthur Cristian"
Sent: Monday, May 15, 2006 5:05 PM
Subject: Re: Perpetual Limited vs Arthur Cristian & Fiona Cristian : Further
cases to examine - Statement attache
Arthur
As discussed, the Bank are currently considering their response to the demands you sent to us yesterday (Sunday).
As soon as I hear from the Bank I will get back to you. I have a short Court matter tomorrow at 10.15am, if I can respond to you beforehand I will, otherwise I should be able to get back to you with the Bank's response at about 12pm.
Regards
Gary Koning
Senior Associate
Dibbs Abbott Stillman Lawyers
"Arthur & Fiona Cristian" 14/05/2006 10:44:32 pm
14th May 2006 10.24pm
To Gary Koning, Gerard Breen, Jacqueline Bruce
Dibbs Abbott Stillman Lawyers.
Level 8 Angel Place
123 Pitt Street Sydney NSW 2000
Email: gary...@daslaw.com.au - syd...@daslaw.com.au
Phone: 8233 9789 or 8233 9500 Fax: 8233 9555
Your Reference: JAB/GTB/3301650 - Perpetual Limited Arthur Cristian & Fiona Cristian
Dear Gary, Gerard & Jacqueline
As you act on behalf of Perpetual Limited - Macquarie Bank, See attachment.
We have provided you with a copy of statement from John Hartney, Broker from Mortgage Fastrack.
It is also cut & pasted below.
14/05/2006
To Whom It May Concern
I have been asked by Fiona and Arthur Cristian to document details of events prior to and after of settlement of a home loan 1st mortgage by Macquarie Mortgages to Arthur and Fiona Cristian during 2005.
I was the broker who brokered this deal between the Cristian's and Macquarie Bank.
This is an unbiased version of events as per my records and recollection.
I first applied to Macquarie Mortgages for a refinance loan of $664000, (interest only) or 80% of valuation for their property at 40 Warrain Crescent Currarong NSW and also a pre approval loan of $234000 (interest only) to purchase a residential property, both loans were approved at 6.69% p/a.
However, due to a misunderstanding, I applied for a Mortgage Saver Loan for $664000 instead of a Line Of Credit loan as required by Fiona and Arthur Cristian. Mortgage papers had been sent to the Cristians, but Fiona and Arthur refused to sign them until new papers showing the correct product was listed.
As the interest rate of a line of credit was a little higher and, due to a counter offer by the outgoing mortgager, I negotiated with acting Macquarie Bank BDM Mr Chris Straw a 6.7% interest rate and application fee of $300 not to be applied.
I contacted Ms Christina Garcia of Macquarie Mortgages to have loan changed to a Line of Credit, and this was approved in due course. New contracts were being issued and a settlement date was provided which I gave to the Cristians.
1st settlement date was held up during August 2005 for one reason or another by Macquarie Bank and I let the Cristians know. On the day of the 2nd settlement date during September 2005 I was again advised by Galilee Solicitors that settlement would not take place, as the current valuation on property had now expired by one day or two and Macquarie Bank was insisting on a new valuation before they would settle. This meant further delays of around two weeks. The Cristians were very angry and Arthur Cristian rang both Galilee Solicitors and Macquarie Bank to explain the terrible situation they were now facing financially with Fiona's renovations and to point out it was their problem and not the Cristians that the two settlement dates had dragged on and on until the valuation date on property expired. Arthur & Fiona were very upset that a 3rd settlement date was to be arranged. This was causing serious financial difficulties, as it would take another two weeks or so before final settlement could occur. They also pointed out that with the extra money being paid to previous mortgage supplier, the available current working capital for renovations from the refinance was being diminished as well. They were already on a very tight budget.
By this time, around two weeks after the first settlement date, Fiona was desperate for money as she had hired and started builders for a renovation on the strength of the expected first settlement date and some weeks had since passed. I actually lent the Cristian's $2500 as some of the trades people were demanding their wages in cash. I was also advised by the Cristian's that some trades people had since left the job and they only had to 20th October 2005 to complete it before a series of overseas holiday rental guests were arriving, as arranged much earlier in the year. Also the beach house was then booked out until May 2006.
Thanks to the help of Ms Erica Te Amo of Galilee Solicitors, the loan was finally settled on the 19/09/2006. Due to the financial predicament of the Cristian's, we actually reapplied to Macquarie Bank for a loan increase to help speed up and finish the building renovations on time. The three weeks delay in settlement had the Cristian's needing to double up their manpower, to cover the three weeks loss of trade work and trade personnel. Macquarie Bank tentatively approved this new loan, but the valuer refused to increase the original value until the renovations were complete. This left Fiona and Arthur Cristian between a rock and a very hard place, with unfinished renovations and a shortage of money and time to get the job finished on time. They were very upset and angry. I received many phone calls from the Cristians during this time.
After all the hassles and having to close off the unfinished extensions with short-term cosmetic treatment, everything appeared to finally settle down until Fiona and Arthur Cristian received their first payment advice stating the amount included principal & interest instead of interest only, with a higher interest rate, making their monthly payments substantially higher.
Due to the extreme pressure placed on myself by the Cristians, and as the renovation work was being carried out in Jervis Bay, 2.5 hours drive-time away from Sydney, I had to get the documents signed very fast and express courier the documents to Sydney within 24 hours for very fast settlement. As the contract for the line of credit did not indicate monthly payments, we were all unaware of the payment amount and, as line of credit loans, to my many years of knowledge and experience as a broker, are interest only, we all presumed the contract was interest only.
More phone calls were made to Macquarie Bank by myself, as well as the Cristians. Once the problems were realised by Macquarie Bank, they agreed that there was an administration error and they converted the loan back to interest only at 6.7%.
The Cristians pointed out to me that the contract was still not a contract that reflected the original line of credit offer put to Macquarie Bank and approved by Macquarie Bank. I agreed with the Cristian's and on separate phone calls during that particular day, we all spoke with Macquarie Bank. I explained to staff at Macquarie Bank what the Cristians were pointing out and demanding. I tended to agree with the Cristians that they did not have a valid contract that reflected what was originally approved for order-delivery by Macquarie Bank.
I was aware that Arthur Cristian had spoken with management in Macquarie Bank and was demanding a brand new contract that reflected what was approved for order-delivery by Macquarie Bank. I remember the Cristians complaining to me vigorously, and to Macquarie Bank staff, that they ordered an apple and received an orange instead. I could not argue with that point of view.
Arthur Cristian rang to tell me that he had told Macquarie Bank that the Cristians did not have a legal & valid contract and until they receive a new and correct contract ASAP, there was no contract and no monies were due to be paid and would not be paid regardless. That Arthur and Fiona were seeking compensation for all the stuff ups, delays, loss of trades people, loss of working capital and loss of future incomes due to the new renovations not being completed for holiday rentals, even until this day. Arthur kept telling me that it was a fair arrangement not to pay any money on this invalid contract and that they would only start making payments according to the new and valid contract they were expecting to receive from Macquarie Bank. I did not give my opinion or advice to the Cristians about this claim and the justifications behind it. I never received any correspondence or phone calls from Macquarie Bank in relation to these demands placed on Macquarie Bank by the Cristians, even though I was aware of their demands.
Fiona and Arthur Cristian insisted on a new contract, particularly after all the previous problems they had to endure with Macquarie Bank and were reluctant to sign the current contract that Macquarie wanted them to sign which did not reflect the product Macquarie Bank approved to supply. They kept telling me they had lost faith in the bank.
Macquarie sent an amendment letter to the contract with the wrong names typed on the documents. Both the Cristians and myself rang the bank to tell them this. Also the Cristians complained that the letter stated that the amendments were "To Your Request", when, in fact, the contract was being amended because of a Macquarie Bank mistake.
Possibly 6 weeks lapsed before a new amendment was sent, again stating the above, which Macquarie Bank insisted they sign. Arthur and Fiona insisted the original contract was illegal and invalid and wanted a new correct contract and would do nothing until they received it. Arthur also told me that at no time did Macquarie Bank staff reject or argue with his claim and were generally in agreement with their demands because they knew they were right. As already stated, I never received any phone calls from Macquarie Bank to argue this point with the Cristians considering they were my clients and that I introduced them to Macquarie Bank in the first place. Whatever conversations did transpire between the bank and the Cristians, Macquarie Bank had never contacted me to discuss the difficulties at hand.
Due to the privacy laws the Cristians and Macquarie Bank communicated directly.
Three to four months after settlement, a lady from Macquarie Bank's loan defaults department rang me about the loan. She informed me that the loan was in default to the tune of $14,000 plus and was insisting the loan be brought up to date.
I informed her that Cristians believed they did not have a legal and valid contract and were unwilling to pay any monies to the bank until it was remedied. I also mentioned that it was not the Cristians fault that this issue had dragged on for so long because of the many phone calls. Arthur told me he made to bank staff and that they now had some financial difficulty due to what transpired since they began doing business with the bank. I know Arthur & Fiona made numerous phone calls with Macquarie Bank staff during the first three months. They were the ones pushing to resolve everything. I told the lady I will talk with the Cristians and get back to you ASAP. After talking with the Cristians who would not change their stance on this whole matter, trying to urge Arthur and Fiona to come to an arrangement, but they still believed the contract was illegal and invalid. I phoned the lady from Macquarie Bank twice and left her messages but she failed to return my calls.
A few days ago, Arthur and Fiona rang me to tell me that the locks on the property had been changed while guests (a mother with four young children) were staying there, and that they couldn't get in. I was very shocked and couldn't believe this was happening, particularly when Arthur told me that there were no court orders and no sheriff appointed by the courts. No one knew anything about this action by Macquarie Bank, including myself. Arthur & Fiona told me they are going to lodge court action in the Supreme Court on Monday afternoon 15th May 2006 if the matter is not resolved satisfactorily by 1.00pm same-day.
I am personally amazed that this issue has dragged on for around eight months now.
I still believe the whole thing could have been settled amicably if both sides had shown some compromise.
I have always found Macquarie Bank to be efficient in my dealings with them, but I doubt this transaction would be their greatest achievement. I refer to it as the loan from hell.
Please contact me if you wish to discuss anything stated in this document.
John Hartney
Mortgage Fastrack
Kangaroo Valley
---------------------------------------------------------------------------------------------------
We look forward to hearing from you very shortly.Fiona Cristian Owner of Title (Folio 54/755903 - 40 Warrain Crescent Currarong NSW Australia) with no legal contract Arthur Cristian - Signatory to Mortgage with no legal contract
Email: a...@theelements.cc
17th May 2005
Dear Arthur,
We have 4 e-mails and the lengthy fax from you today. We will now review this material and contact you again. It may well be that we will require further information from you before we can make an assessment of your prospects of success in the legal proceedings you have foreshadowed.
It will also be necessary to reach agreement with you in relation to our terms of trade.
At this point we donnot regard ourselves as having taken instructions from you and the responsibility for the conduct of your dispute with Macquarie Bank remains with you.
We will contact you again to discuss this matter by 5:00 pm Friday 19 May. We understand the urgent position you find yourself in. However, it will take some time to review the material you have provided and be in a position to provide useful advice to you.
Paul Kean
Macedone Christie Willis - Solari Partners
Lawyers
Suite 1, 16 Gibbs Street
MIRANDA NSW 2228
Ph: (02) 9528.9133
Fax: (02) 9525.6537
pke...@mcwlaw.com.au
Announcement
Macedone Christie Willis is proud to announce that we have achieved LAW 9000 and ISO 9001 certification.
3rd June 2006
Hi Paul,
Sat 5.15pm 03/6/06.
Just spoke a third time with the R/E agent, 1st National Culburra & Callala Bay - Joanne Hindmarsh 0411 592690 or 4446 4313, and they (her partner & principal of both offices) now say they can't provide us with a proposal due to a conflict of interest as they have already provided a proposal to the bank.
She suggests we contact another r/e agent but how can he/she or us get in the house if the banks supposedly have the keys to the property etc?
I suggest we ask for a copy of the proposal the bank has received from 1st National via the banks contractor Tagma Properties Tony Anderson (m) 0419 729447 or 07 3351 1632.
I guess we need to go through the banks solicitors to resolve this quickly as we want to sell the house ASAP.
The vultures are hanging out to score as much as money as they can get from Fiona's home.
We need to have some control to stop this from occurring.
All the best
Arthur Cristian
Email: a...@theelements.cc
Phone: 0418 203204
5th June 2006
Dear Fiona and Arthur,
It is disappointing the r/e agent did not advise you earlier she felt there was a conflict of interests. However I can understand why she has that view. She has formed a view about the value of the property and the appropriate marketing approach for the bank. Her view and approach may differ when advising you.
You need to urgently contact another agent who does not have the same conflict. The new agent should contact First National or Tagma Properties to arrange an inspection.
I don't think the First National proposal prepared for the bank is of any value to us in the circumstances. You need to demonstrate to the bank you are progressing this vigorously and independently of the bank.
Please contact a new agent ASAP.
Paul Kean
Macedone Christie Willis - Solari Partners
Lawyers
Suite 1, 16 Gibbs Street
MIRANDA NSW 2228
Ph: (02) 9528.9133
Fax: (02) 9525.6537
pke...@mcwlaw.com.au
Announcement
Macedone Christie Willis is proud to announce that we have achieved LAW 9000 and ISO 9001 certification.
6th June 2006
Hi Paul
Have spoken to other agents this morn who have already seen the house (with us earlier in the year)
and packages will be sent by email today & I will forward them to you as they arrive.
Raine & Horne Culburra & Callala Bay - Craig Hadfield (director) 0401 088 137 or 4447 3169
Ray White Culburra - Phil Muller (director) 0412 446817 or 4447 2268
Possibly Professionals Callala Bay & Beach - Noel Ward (licensee) 0417 416226 or 4446 6800
All the best
Arthur & Fiona Cristian
The Elements Beach House
Currarong Beach - Jervis Bay
Email: a...@theelements.cc
Website: www.theelements.cc
Phone: 0418 203204
6th June 2006
Arthur,
These proposals are just normal real estate agent proposal. None of them have addressed how to market the property as a going concern business. I suspect if you ask them about taking advance bookings they will tell you not to because they want to be able to sell the property with vacant possession.
This isn't about making life easy for the real estate agent though. It is about getting the best deal for Fiona and persuading the bank to hand possession back to you.
I really think you need to make the agent you chose advise you about how he will market the property with advance bookings and how he will handle inspections etc with guests in the property. You need someone who has sold guest houses before. We really want to see money coming in during the marketing so you can pay for advertising and service the loan.
Perhaps the best thing to do is to select the agent you want to use and let me speak to him.
Paul Kean
Macedone Christie Willis - Solari Partners
Lawyers
Suite 1, 16 Gibbs Street
MIRANDA NSW 2228
Ph: (02) 9528.9133
Fax: (02) 9525.6537
pke...@mcwlaw.com.au
Announcement
Macedone Christie Willis is proud to announce that we have achieved LAW 9000 and ISO 9001 certification.
6th June 2006
Paul
A 3rd email is still to come this arvo from Professionals before 4.30pm.
We are receiving numerous enquiries for bookings (heaps) and this with calender shut off for the past 4 weeks or so. We feel we could generate between $10k & $20k over the next 8 weeks or so to pay the bank.
We need to sell house with business. Having a current website with heaps of photos, guest comments etc will help.
House was t/o average $62k per year for past 3 years.
Over the years we spent more than 3,000 hours on internet building links, webpages, search engines etc.
Arthur
6th June 2006
Hi Paul
Professionals is charging only 2% commission Maybe you should talk to him as well. .5% could be quite a saving for Fiona He is a nice guy, not much hype, but has he got the drive?
Arthur
6th June 2006
Paul
Raine & Horne was our second option after 1st Nat from late last year. His commission rate is 2.5% & Ray White is now 2.2% (a difference of .3%) on say $900k + = $
If we pay out $720k all up & say house sells for $800, not much money for Fiona. Its all she has. Nothing much else for her & kids future (sob sob sob sob) sorry, joking but true. Do we only have one shot at this sale and bank pressing for auction price to conclude business or do we get some leeway after auction to help push a better price? All part of negotiating a deal I guess!
Raine & Horne says waterfront market is doing well price wise & holding. Ray White sounds more down down & not much up up Both agents are involved in holiday rentals & both will have no problems with holiday rental business being conducted while being marketed etc. They have sold other properties like this. Best you talk with them. Maybe you can strike a deal with either of them but Raine & Horne is our preference particularly if he drops his commission to 2.2%. Craig has a strong selling-positive attitude but could be just manipulating for the contract. Regardless, I feel Craig could squeeze a much better selling price as he is right on the pulse, where Ray White (Phil) is getting older & his drive is not the same as it might have once been. Fiona is ok for you to talk to them. Saving the .3% with Phil vs. Craig getting a better selling price. Who knows!
Let us know what you think.
Arthur
14th June 2006
Hi Paul
Just spoke to Noel Ward from Professionals Callala Bay & Beach & he will cover costs for advertising, until settlement. Please call him ASAP and finalise what you need from him etc. Lets go with him. His mobile is 0417 416226 or office 4446 6800
Arthur Cristian
Mobile 0418 203204
Mail: PO Box 1320 Bowral NSW 2576
14th June 2006
(Note: This email is a resent email of one we sent Paul Kean with instructions on the 6th June 2006. Paul Kean says he received all emails before and after this particular email, but not this one. We did not believe him. Ignoring our instructions led to the plaintiff not allowing us back into our home without supervision and within 48 hours, refused all access to regain our possessions and said they will get a removalist truck in and remove everything for us. This forced us to reclaim Fiona's home)
----- Original Message -----
From: Arthur & Fiona Cristian
To: Paul Kean
Sent: Tuesday, June 06, 2006 5:01 PM
Subject: Reply From Arthur Cristian:
Paul
Raine & Horne was our second option after 1st Nat from late last year. His commission rate is 2.5% & Ray White is now 2.2% (a difference of .3%) on say $900k + = $. If we pay out $720k all up & say house sells for $800, not much money for Fiona. Its all she has. Nothing much else for her & kids future (sob sob sob sob) sorry, joking but true. Do we only have one shot at this sale and bank pressing for auction price to conclude business or do we get some leeway after auction to help push a better price? All part of negotiating a deal I guess!
Raine & Horne says waterfront market is doing well price wise & holding. Ray White sounds more down down & not much up up Both agents are involved in holiday rentals & both will have no problems with holiday rental business being conducted while being marketed etc. They have sold other properties like this. Best you talk with them. Maybe you can strike a deal with either of them but Raine & Horne is our preference particularly if he drops his commission to 2.2%. Craig has a strong selling-positive attitude but could be just manipulating for the contract. Regardless, I feel Craig could squeeze a much better selling price as he is right on the pulse, where Ray White (Phil) is getting older & his drive is not the same as it might have once been. Fiona is ok for you to talk to them. Saving the .3% with Phil vs. Craig getting a better selling price. Who knows! Let us know what you think.
Arthur Cristian
14th Juine 2006
Dear Noel,
I act for Mr and Mrs Cristian in relation to the issues they have with Macquarie Bank and the sale of this property.
As you may know, the bank is in possession of the property and is proposing to sell it as mortgagee in possession.
I have been instructed to make an offer to the bank which would see the property returned to Mrs Cristian to conduct the sale. You would be appointed to market the property on the basis of the proposal you have sent to my clients.
To complete my representations to the bank, I would like you to nominate a time and place for the auction and agree with Mrs Cristian on a reserve. This is necessary to demonstrate the bona fides of my clients. Unless the proposal to the bank is well thought out and realistic, I believe it will be rejected and the bank will not give up possession.
Please discuss these matters with Mrs Cristian and telephone me at your earliest convenience.
Regards,
Paul Kean
Macedone Christie Willis - Solari Partners
Lawyers
Suite 1, 16 Gibbs Street
MIRANDA NSW 2228
Ph: (02) 9528.9133
Fax: (02) 9525.6537
pke...@mcwlaw.com.au
Announcement
Macedone Christie Willis is proud to announce that we have achieved LAW 9000 and ISO 9001 certification.
14th June 2006
-----Original Message-----
From: Arthur & Fiona Cristian [mailto:af@theelements.cc]
Sent: Wednesday, 14 June 2006 6:10 PM
To: Paul Kean
Subject: Reply fromArthur Cristian ie Noel from Professionals:
Hi Paul
Just spoke to Noel Ward from Professionals Callala Bay & Beach & he will cover costs for advertising, until settlement. Please call him ASAP and finalise what you need from him etc. Lets go with him.
His mobile is 0417 416226 or office 4446 6800
Arthur Cristian
Mobile 0418 203204
Mail: PO Box 1320 Bowral NSW 2576
Emai: a...@theelements.cc
15th June 2006
Thanks Noel
I have just been given the fax you sent a short while ago. Can you confirm the property will be more marketable if Fiona takes bookings between now and the auction and leaves the furniture in the property?
Regards,
Paul Kean
Macedone Christie Willis - Solari Partners
Lawyers
Suite 1, 16 Gibbs Street
MIRANDA NSW 2228
Ph: (02) 9528.9133
Fax: (02) 9525.6537
pke...@mcwlaw.com.au
Announcement
Macedone Christie Willis is proud to announce that we have achieved LAW 9000 and ISO 9001 certification.
15th June 2006
Paul, More issues to think about. The issue of moving everything out of the house under supervision is a problem. We estimate it will take at least one day just to pack the small items from kitchen, bathroom, storage cupboards, living room, bedrooms, laundry, sheds etc etc, with the help of 4 friends. The house is a fully equipped & extensive 4 bedroom home. There are many-many pieces that require dismantling, unbolting and tying up etc.
The shack underneath has lots of building materials to be removed & this will take at least 1 day as well with another truck. The shed has heaps of building materials, paints etc to pack & remove etc.
It takes up to 3 hours to get to the house from Bowral including getting our 3 kids dressed & fed & drive down. They say we can't stay overnight & someone needs to be there to supervise the whole time. This means we have to spend 3 hours driving back. That 6 hours out of our day when we can use that lost time to do packing etc.
This is not feasible, we don't have the time to drive back & forwards from Bowral to pack home with kids in toe etc. We need from a Fri to Sun to do the job in one big hit. Our removalists have offered to help & be paid when house is sold. They will come with two big trucks.
We know it best to go down Fri arvo/night, pack all day Sat & trucks arrive late Sat-early Sun morn to pack up. If everything falls through we are in a jam & that is why I wanted to move everything out this weekend. We can't afford clocking up more & more costs having someone on call supervising the move. Does the bank pay for this! No way. We pay for everything that goes on no matter what.
Also, I am concerned for Fiona leaving furniture at the house until after auction What happens if sell price does not recoup Banks costs etc. Would they not want to take her furniture as well or is this not legally possible. There maybe a benefit in leaving furniture on-site for presentation etc but we would need to know the legal ramifications if the worse was to happen. These concerns need to be addressed to the bank as well.
What happens if bank does not give us an extension of time, say until the following Sunday night to get things out? When we could have everything moved this weekend?
Arthur Cristian
----- Original Message -----
From: Paul Kean
To: Arthur & Fiona Cristian
Sent: Thursday, June 15, 2006 5:42 PM
Subject: Macquarie Bank
Dear Fiona and Arthur,
I attach a draft letter to the bank's solicitor. I cannot complete it until I hear from the agent with an auction date and a reserve. I also want the agent to confirm in writing that the property is more marketable as a going concern and with the furniture in it but I have not heard from the agent.
The longer this goes on the less likely the bank will accept your proposal but there is not much more I can do for you at this stage.
Paul Kean
Macedone Christie Willis - Solari Partners
Lawyers
Suite 1, 16 Gibbs Street
MIRANDA NSW 2228
Ph: (02) 9528.9133
Fax: (02) 9525.6537
pke...@mcwlaw.com.au
Announcement
Macedone Christie Willis is proud to announce that we have achieved LAW 9000 and ISO 9001 certification.
15th June 2006
Hi Paul,
Agent spoke to Fiona around 4.30pm today. He sent you a fax to 9525 6537 at 4.45pm. Auction date 21st July 1.30pm - Reserve $740,000.00 - 4 weeks sale process. Call him on his mobile if any problems.
Arthur Cristian
15th June 2006
Paul
I have just received another fax from banks lawyers. I will fax it to you right now. This is the result of trying to get more time to move house over a whole weekend as explained in last email sent. I talked to the banks property manager this morning. We are seriously frustrated with the logistics of the whole situation, (particularly myself with the unfairness of the whole situation) We can't do it any other way? Driving down, driving up, backwards & forwards, We only have one actual day with help from the removalists.
We have friends to help but it takes 2 to 3 hours to drive down & back home. They won't keep coming up & down either. This is why I am frustrated & why Fiona is stressed now. I reacted to their lack of interest or understanding of our logistics etc. The costs in petrol back & forwards, school for children, sleeping & routines for young children etc.
I told them all our difficulties of driving time, kids, rounding up helpers etc & time to pack properly etc,
they did not care. I told them that I would move people out of my way from stopping access to get our property and would open up the house.
Getting only seven days notice to move & only one weekend (only a few days away) exasperated everything for me personally, compounded by the lost email you never received from me & our ability to respond to the bank quick enough. My fault for not following up to be sure you received all our emails.
What do we do now.
Arthur Cristian
ATTACHMENT OF DRAFT AND WAS SENT 16th June 2006 to Plaintiff
(Note: We never instructed Paul Kean to send this document. We did not want the bank to know what had become of us financially after they changed the locks from the house, causing a stop in rental income. Paul Kean disclosed to the bank personal & sensitive information about Fiona and I. This betrayel gave us the suspicion that he was on the banks side and was cleverly setting us up to be completly wiped out by the bank. For a short period, we were depressed by this betrayel and still unsure/confused what to do.)
Our ref: PAK:SK:260715
Your ref: JAB/GTB/3306150
Reply to: Miranda
16 June 2006
Dibbs Abbott Stillman Lawyers
DX 101
SYDNEY
Attention: Gary Koning
Facsimile No: 8233 9555
Dear Mr Koning,
RE: ARTHUR CRISTIAN AND FIONA CRISTIAN AND PERPETUAL LIMITED
LOAN ACCOUNT NO. 71389870
We act for Mr & Mrs Cristian.
We have taken detailed instructions from our clients in relation to the course of events leading to the funding of this loan, the subsequent offers you have made to vary the loan agreements and the steps you have taken to take possession o f the property and commence the process of the sale. We have been instructed not to revisit any of these matters with you at this stage.
Our clients are anxious to see the property sold as quickly as possible to repay the loan and resolve all outstanding issues with the bank.
Whilst we are confident the bank will be mindful of its obligations in relation to the sale as a mortgage in possession, our clients are of the view (based on advice from real estate agents) that the property is likely to realise a greater sale price if it is sold by our clients directly rather than by a mortgage in possession. Our clients and the agents are further of the view that the sale price will be enhanced by the furniture and contents of the property remaining during the course of marketing.
Our clients request the property be returned to them in order to conduct the sale. Their proposal for the sale is that Noel Ward of Property1 Realty, 19a/55 Emmett Street, Callala Bay NSW 2540, be appointed by Mrs Cristian as the agent. We attach a copy of a marketing proposal dated 6 June 2006 and letters of 15 and 16 June 2006. You will see the agent has indicated a selling price in the order of $760,000.00-$780,000. Based on advice of various real estate agents, our clients are of the view this is a reasonable range. The agent has agreed to carry the advertising costs and to be reimbursed for those costs from the proceeds of the sale. An auction would be conducted on 22 July 2006 with a reserve of $740,000.00.
Our clients do not have the capacity to service the loan until completion of the sale apart from income received from rentals. Our clients sole’ source of income is Centrelink payments of S705.00 per week. They pay rent of $290.00 per week and have three (3) children to support.
Please advise whether this proposal is acceptable to the bank. Our clients are open to such other reasonable conditions you wish to place on the conduct of the sale and control the property during the marketing campaign.
Yours faithfully,
MACEDONE CHRISTIE WILLIS
SOLARI PARTNERS
P.A. KEAN
Writer's email Address: pke...@mcwlaw.com.au
Encl.
M\Do6\260715121373d9oc
19th June 2006
Dear Paul,
Friends have offered to lend us money to cover the interest owed to Macquarie Bank (they don't need to know where the money is coming from), and possibly a month or two payments so we are covered while we sell the property.
They are requesting a written assurance from Macquarie Bank that we will be allowed to regain control of the property and sell it without any interference whatsoever from the bank. They will be paid out upon settlement.
We estimate that the money needed will be something approaching $40,000, but will obviously need a confirmed figure. What we want is what was offered as an olive branch to us recently.
We are happy to pay the outstanding interest fees only without penalties or any another legal or logistical charges.
Please talk to the bank solicitors urgently-ASAP this morning. We will need the letter emailed to us,
so we can forward it to our friends who will show it to their solicitor if they feel it necessary. They are standing by today to have everything resolved, preferably by 2.00pm.
When they are happy with everything they will arrange for the money to be forwarded to us. They are only concerned about any unknown factors, such as the bank trying to jeopardise the sale of property, hence their money. We will need the locks throughout the house sorted out as well. We will prepare property for sale and try to tidy up the old shack as best as possible inside.
We know that selling the property with the business will give us a much better chance of getting a higher selling price amongst other factors. We will continue running the holiday business to generate cash flow to cover other costs incurred.
I am out this morning, taking children to school and having a meeting but you can contact me on my mobile - 0408 978 404 or please call Arthur on 0418 203 204 if you can't get hold of me. In fact you are best to deal with Arthur as he has organised everything and is coordinating this process.
Fiona Cristian
21st June 2006
Good afternoon Arthur and Fiona
I have attached a copy of our correspondence with enclosures for your information.
Thank you
Leesa
-----Original Message-----
From: mcan...@mcwlaw.com.au [mailto:mcanon50@mcwlaw.com.au]
Sent: Wednesday, June 21, 2006 4:33 PM
To: Leesa Howes
Subject: Attached Image
(see pdf attachment MCW 21-06-2006.pdf for the document sent by Paul Kean to Gary Koning)
23rd June 2006
Hello Paul & Leesa.
What is the current status of events?
I am very concerned about the threat of the bank arranging for the contents of my house to be sent to storage. It is a big house with lots of storage and, as I have moved a lot in the last couple of years, I have a great deal of my stuff there. There are things all over the place, including in the roof. I would want the dishwasher and there are all sorts of things in the garden. Added to that, removing all the renovation materials from downstairs is a huge job which needs to be undertaken by the owner of those materials, who has to come from Moss Vale with two big trucks. If the bank undertakes to pack and remove everything, the expense will be enormous, far more than our estimate of about $1000 with the help of friends to pack and take some things.
This seems particularly unfair when the request for me to remove everything only came because they thought I was not doing anything when, in fact, I had contacted you through Arthur and sent you an email so you could prepare a proposal.
I see from your pre-billing report that you contacted the bank's solicitors on 25.05.06. If they knew you were acting for me, why are they sending faxes to me as if I were taking no action? saying I had 7 days to remove my things.
At the moment, I feel as though I am going to lose nearly everything because of an email not being received (sent by Arthur) and Arthur getting frustrated with the property agent. Two small events that seem likely to have a very big effect on my life!
Please let me know what my current situation is.
Regards,
Fiona Cristian
a...@theelements.cc
0418 203204
29th June 2006
(This is an email Arthur sent to one of the partners of Macedone Christie Willis about the concerns we now had about Paul Kean as well as providing background information to Arthur's illegal and unlawful bankruptcy by the ATO which we felt may possibly have some connection to the issues with Macquarie Bank/Perpetual Limited)
Hello Ian
Firstly apologies for my angst-frustration and colouring my concerns with feelings over the phone to you this evening.
I understand it helps when one is calm at all times but I am finding it currently difficult to do. So thank you for listening and tolerating my frustrations while conveying the issue at hand. I hope your ears are ok. Below, is a quick summation of what has transpired after the statement from our broker. We can fill in more details if required. A copy of this email and all other correspondence has been sent to a barrister in Qld and to our email network. Apologies about a lack of editing & grammar etc.
I have sent you another email - a basic article I wrote last month - in case you might be interested in where Fiona & I are coming from, where we are heading (our aspirations etc) and what drives us these days. With proceeds coming from the sale of Fiona's house she planned to get a new business off the ground but this is now being threatened as you will see in reading this email.
Also, Fiona is pregnant with child number 4. All we now own between us is two cars, furniture, clothes and whatever dwindling equity is left in the beach house.
Arthur Cristian
Email: a...@theelements.cc
Phone: 0418 203204
See Beach House Website www.theelements.cc
Note:
1) From date of 1st settlement date we had a six/seven week window to start & complete renovations to the original 1937-38 beach shack, located underneath the main house built late 1960's/early 1970's. Bank staff knew this.
2) Arthur has had 19 years of business experience trading & servicing office machines. If you order a specific product but get something else you would expect to have it exchanged for what you actually ordered or get your money back. With banks they consider products are no longer products once you sign their contract! They are almost the only exception to the rule. So much for Magna Carta, Bill Of Rights etc etc.
----------------------------------------------------------------------------------------------------------------
(we gave Ian a copy of the Brokers email - see above)
Ian....
Continuing on from the above statement since 15th May 2006......
Through internet networks we were given information regarding previous cases where Macquarie Bank had been successfully taken to court over trespass issues and other illegalities. Arthur wrote a long email to the bank's solicitors detailing these cases and informing them of his intention to take them to the Supreme Court if the matter ws not quickly resolved. They rang to say they were considering the matter and needed more time, which we gave them. Again they rang requesting more time, which we gave them, feeling hopeful that things were going our way. Then we heard nothing and so contacted you & then Paul Kean, a specialist in litigation recommended by a mutual friend Ken Marslew. We forwarded everything to Paul Kean and Arthur had a long conversation on the phone about our situation. He said he would read over everything and get back to us with an opinion ASAP. After a few days we received a fax from the bank's solicitors offering us a new contract and no penalties if we paid all interest owing within seven days. There was no offer of any compensation for what we had been through.
We forwarded this to Paul. He said that there appeared to be a case for a trade practices issue and that he would look into it; this was the last time he mentioned trade practices or anything about compensation. He also said that we had rattled their cages but there was nothing of any relevance with the court precedents we faxed the bank which could help us in defeating the bank. He wanted us to provide him with sale proposals from R/E Agents so we could present a plan of Sale to the bank to assure them that we were serious in our intentions to sell. We also filed a complaint with the Banking Ombudsman, which Paul said was a waste of time and would not help us find a fair resolution for all concerned. He also wanted to know all our personal details; business, monies, income, basically everything including Arthur's recent stand with the ATO, The courts and various Fed Govt Public Servants which led to an unlawful & illegal bankruptcy. In this conversation I explained how the bank destroyed our income stream from holiday rental and how the ATO with an unsubstantiated debt of $230k, and the courts, contributed to me walking away from my ex business which stopped another income stream. I told Paul that an unlawful and illegal bankruptcy proceeding had transpired and explained what, why & how.....here is a piece of that evidence I explained to Paul over the phone...
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19th March 2006 NSW 1412/6/1 (A10)
Australian Government Insolvency and Trustee Service Australia
New South Wales and ACT
Level 8, 135 King Street
Sydney NSW 2000
Mr Tibor Karolyi
Ph: 02 8233 7879
Fax: 02 8233 7892
Email: tibo...@itsa.gov.au
Dear Mr Karolyi,
In regards to your ungrounded statement that I have been made bankrupt by an order of the Federal Magistrates Court Of Australia (SYG 37 33 2005), that order is completely invalid, inoperative, repugnant, and of no consequence or example because it is a violation of my inalienable and constitutional rights to trial by jury as was the previous judgment from the NSW District Court (NN 2836/05 and 2094/05).
In relation to my Rights to Trial by Jury with the NSW District Court (NN 2836/05 and 2094/05), it is my inalienable and Constitutional Right to have a Trial By Jury. Never, at any stage, did I give my consent, either verbally or in writing, to have the whole or any part of the action heard and determined by a Judge without a Jury. Even section 51 of the District Court Act 1973 No. 9 says that: “Consent jurisdiction. (1) In this section memorandum of consent in relation to an action or cross-claim means a document signed by each party to the action or cross-claim, or the party’s solicitor, in which it is stated that each of those parties consents to the action or cross-claim being tried in the Court and is aware that, unless the document is filed, the Court will not have jurisdiction to dispose of the action or cross-claim.”.
In any action, both parties must give their clear and unequivocal consent to be without a Jury. Without that consent, the Court has no Jurisdiction to proceed summarily and the Jurisdiction of the Court must be challenged. This Challenge can only be judged by a Special Jury. Should a Judge or Magistrate disregard or dismiss this Challenge, then he or she is liable to imprisonment for 5 years. Should a Judge or Magistrate disregard or dismiss this Challenge, that is a violation of Due Process and the Rule of Law.
“Once jurisdiction is challenged, it must be proven.” (Jagens v. Lavine, 415 S.Ct.768). “Jurisdiction can be challenged at any time, even on final determination.” (Basso v. Utah Power & Light Co., 495 2nd 906 at 910). “Where there is an absence of jurisdiction, all administrative and judicial proceedings are a nullity and confer no right, offer no protection, and afford no justification, and may be rejected upon direct collateral attack.” (Thompson v. Tolmie, 2 Pet. 157, 7 L.Ed. 382; Griffith v. Frazier, 8 Cr. 9, 3L. Ed. 471).
At all stages I have challenged the jurisdiction of both the NSW District Court and the Federal Magistrates Court and I refuse to recognise such orders and such judgments and if you insist upon enforcing them you will also be guilty of an act of criminality and treason.
This supposed bankruptcy estate – NSW 1412/6/1 (A10) is fraudulent and there is no foundation in law for this to be legal. Your documents received in the mail 17th March 2006 are “holden for naught” and “not to be drawn into consequence or example”. They are a denial of Right and Justice. Until a date has been set to empanel a special jury and resolve the jurisdiction of the above Australian courts there is no matter to be heard and no obligation for myself to comply with your demands. As with all other previous correspondence in relation to these unjust and criminal proceedings, this document has been sent to over 10,000 email addresses in Australia.
Yours sincerely,
Arthur Cristian
PO Box 1320 Bowral NSW 2576
Copies by registered mail and email to ATO Solicitor Mr Michael Murray fax (02) 9581 7528 (06016464mhm)
District Court of New South Wales (NN 28 36 /05 and 2094 / 05
Federal Magistrates Court Of Australia At Sydney (SYG 37 33 2005)
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Ian,
Paul Kean even subtly implied-interjected that I had done a deal with my ex staff to protect my interest held in that business long-term. I told Paul that this was not the case and what I explained, had happened, and is the absolute truth. I gave the business to my staff to protect their future as they had kids etc & no guarantee of another job. I did not want to stay anymore in this business after 19 years and wanted to pursue a spiritual path involving music, literature, DVD's, film etc & unconditional love. Also that the service manager was owed money and that contributed to the giving away of the phone number & trading name etc. I wondered why Paul was questioning my integrity.
I also just remembered that Paul brought up this implied-suggestion of slyness with my ex business after explaining to him that my wife had separated from me and through the family law court took whatever equity was left in the property (less than 50%) after I had already undertaken two refinances to help my business. Fiona & I nearly divorced over this & we ended up having a trial separation but because of the kids and having some time to clear the air, it helped us to get clear about our priorities in life & we were able to reconcile our relationship last year. I sometimes still feel stupid for taking money from the beach house, more than $250,000 to inject into my old business, only to loose it all. I again wondered why Paul was trying to induce some kind of naughty confession out of me when there wasn't one.
Paul told us that the banks offer was an olive leaf that we should accept but that he would try to work out a payment scheme for the interest payments. He never mentioned anything about compensation and kept telling us that, as we had signed the contract, we were bound to it, regardless of whether it was what we had ordered or not and regardless of everything that had transpired until now and who was right or wrong. That the bank was in the right for what they had done in reference to the signed contract. I mentioned to Paul we should sight a full copy of this contract and request it their copy from the bank. Nothing came of this. I thought this was important.
Everything Paul required was provided in about six emails sent over one day. We thought that things were being handled. To our surprise, about a week later we received a fax from the bank saying that we had seven days to remove all our stuff from the property. We immediately began to arrange friends to help us pack. Then Arthur rang the property agent in charge of the repossession to arrange access to the house, only to be told that we could not stay in the house, despite the fact that we live 1.5 hours from the house and have three young children. The agent was not interested in our situation and Arthur got very angry with him. Fiona rang the solicitor who told us not to move our stuff, that he was still working on things and that anyway, he could get us more time if things did go in the banks favour.
It then transpired that, while Paul had received every other email we sent him, he had somehow not received the one detailing which R/E Agents we wished him to contact and Arthur reminding him of the verbal instructions to get on with sorting out the bank, as we had very little time left. He had apparently not thought it necessary to chase up this information, even though we were pressed for time. Arthur resent the missing email while talking to Paul and again he said that he received the ones before and after but not this one. He was very quiet when Arthur revealed the evidence showing time & date etc. Obviously the bank was now left feeling that we were not taking things very seriously. We resent the R/E Agent info and started talking to our chosen agent about how to present our sale plan. He and our solicitor also talked about what was required.
Then we received a fax telling us that Arthur had been abusive toward the property agent and that the bank would no longer allow us access to the property. We were to provide them with an address where they could deliver our furniture once they had packed and removed it, all at our expense, of course!
Our only hope seemed to be to raise the money needed to cover the interest payments and some wonderful friends agreed to do this, provided the bank supplied them with confirmation that they would not interfere with the sale process in anyway. Full of relief, we rang Paul who suggested that we offer to pay them $2000 per week. We agreed and two days later received an email from him telling us that the bank were still sticking to their demands. We sent him an email two days later (Friday) querying some of the things that were happening, i.e. why were we receiving threatening faxes from the bank when he was supposed to be communicating with them to assure them that we were doing things? We also left him a phone message earlier in the day. After the weekend, we rang again. He told us that he had offered the bank $20,000 but they were refusing to budge. Fiona said that she felt as though she was losing everything just because of a misplaced email and an angry phone call. He agreed that this seemed to be the case!
He then said that he did not want to give up on this yet and suggested that Fiona ring the bank (unusual) and make an appointment to go and see them. Fiona rang the bank and spoke to Marlene, who would not make an appointment and said that all communication should be through solicitors. Fiona said that our solicitor had suggested she call! Fiona told Marlene that they had the full money to cover the interest owing, but Marlene said that the only circumstances under which we would be allowed to take possession of the property, would be if we were to pay the full amount of money owing to the bank, i.e. pay out the mortgage (which of course we wanted to do as soon as the house was sold). Fiona reminded Marlene that the bank has a duty of care to get the best possible price for the property and that the house would obviously sell for more with the furniture inside as the nice stuff we had in there added greatly to the atmosphere of the house, as agreed by the real estate agent. Marlene said they would do their best to get the best price but that we had to remove our stuff. The one positive outcome of the call was that Marlene agreed to get the property agent to call us so we could remove our possession our selves, obviously a much cheaper option. We have not contacted our solicitor since.
Of note;
1) Paul rang the bank late May but no letters were forwarded from him to the banks solicitors until after we received the 7 days notice to remove furniture.
2) He did not follow through with our plan to win the bank over by telling the bank the holiday rental income would bring in at least $10,000 to $20,000 income over the next two months and that we wanted compensation for all the stuff ups during the 3 settlement dates and loss of income and valuation etc that had transpired (trade practice issues). He told the bank we were now on Centrelink payments which we did not want him to do. In hindsight, our solicitor never mentioned anything about compensation and trade practice issues bar the 1st time we spoke to him over the phone. It was the bank that forced us onto Centrelink payments in the first instance when they cut off our income stream.
3) No sheriff accompanied the banks property manager when changing locks and no court orders or judgements were entered into either.
4) Paul did not fight from a position of strength and destroyed whatever options we had by revealing we were on Centrelink payments. Fiona & I are very disappointed in Paul's lack of fighting qualities and shrewdness in protecting our best interests, which was to sell the house ASAP, under our control, so we could get the best possible outcome for Fiona. All this has been destroyed now. We are at the full mercy of the bank and do you know how that feels?
5) I received emails from various sources that Tony Anderson from Tagmar Properties (the contracted bank propertty manager) has been known for doing scrupulous deals for mates by selling or getting them properties on mates rates etc. He is listed on a few national registrers (freedom fighters) as a crook. If this is true, then Paul Kean has guided us subtly as lambs to the slaughter. Or is he just seriously incompetent.
6) After my many episodes with the ATO etc last year, I am now networked (through many other networks) to nearly 100,000 thousand Australians and they are aware of what Fiona & I are going through, including our mutual friend Ken Marslew.
Everything stated in this email is the truth, so help me God.
Arthur Cristian.
There are other issues but hopefully this will do for now.
-------------------------------------------------------------------------------------------------------
Hello Everyone
Today June 27th 2006 12.42pm I spoke in depth with Nowra Sheriffs officer, Mr Greg Moore Phone 02 4421 2135 Nowra Court House Plunkett St Nowra NSW 2541 Australia and he checked & rechecked over & over again & could not find any court orders where either he or his boss John Stewart (or Stuart) had accompanied Mr Tony Anderson Tagmar Property Group (m) 0419 729 447 or 07 3351 1632 or the real estate agent 1st National Callala Bay or Culburra Beach 02 4446 4313 Ms Joanne Hindmarsh & the principal of both franchises (forgotten name for now) or the locksmith who we are still to find out who it was.
All the above are private contractors appointed on behalf of Tagmar Property Group & Macquarie Bank (Perpetual Trustees).
So we have private organisations-corporations acting as law enforcers and law makers, bypassing the legal process. They changed our locks during Thursday 11th May 2006.
To this day we have never received any court orders or judgement or letters from the bank or their solicitors threatening to take repossession of our beach house. When we spoke with the solicitor acting on behalf of the bank, she told me that all mail was sent to our old address which we moved away from in Nov 2005 & we informed the bank of this move. No problem here because our bank statements have been coming to our new address since Nov 05. However the solicitor who I spoke to in May 11th & May 12th 2006 said their letters were going to our old address. When I pointed this out, she spent some time rechecking her files and then said that she was also sending letters to our new address (duplicates). I told her rubbish & that If we did, we would have acted and gone through court etc, way back whenever those letters were sent. We still don't have a copy of this letter.
What is of note is that no contract in the land has more power than Australian constitutional law which provides the protection for all citizens to a trial by jury to resolve contractual disputes.
The latest news to hand is that Fiona received a phone call from Tony Anderson saying we can now move our furniture out next Monday under supervision and they won't take it all away. We now have to decide very quickly what we now do. Which road do we take.
1. Action through a freedom movement as detailed in previous emails
2. Take our stuff out next Monday 3rd July 2006 from Currarong -Jervis Bay to Bowral via Kangaroo Valley.
If we are to remove our possessions, we will need help "Manpower" & transport trucks, vans etc.
Can anyone help us with this if it comes to this?
Please advice ASAP
All the best
Arthur & Fiona Cristian
The Elements Beach House
Currarong Beach - Jervis Bay
Email: a...@theelements.cc
Website: www.theelements.cc
Phone: 0418 203204
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30th June 2006
Dear Fiona,
I attach a letter from the bank's solicitor sent by fax last night. It calls for a response by 5:00pm today.
Regards,
Paul Kean
Macedone Christie Willis - Solari Partners
Lawyers
Suite 1, 16 Gibbs Street
MIRANDA NSW 2228
Ph: (02) 9528.9133
Fax: (02) 9525.6537
pke...@mcwlaw.com.au
(refer to PDF attachment below - DAS 28-06-2006.pdf + DAS 28-06-06001.pdf + DAS 28-06-06002.pdf)
5th July 2006
Dear Mr and Mrs Cristian
Your email was received today at 1.18pm. We have referred your email to our client who will further investigate the concerns you have raised. Your deadline of 4.30pm for a response is unreasonable and cannot be accommadated given the issues you have raised. We expect to have a detailed response to you by close of business Friday, 7 July 2006.
Regards
Gary Koning
Senior Associate
Dibbs Abbott Stillman Lawyers
"Arthur & Fiona Cristian" 05/07/2006 1:17:05 pm 5th July 2006
(see Word Document - Arthur & Fiona Letter to DAS 05-07-06.doc)
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