Director of Public Prosecutions v Barnes
[2023] VCC 128
•23 February 2024
IN THE COUNTY COURT OF VICTORIA
AT BALLARAT
CRIMINAL DIVISIONRevised
Not Restricted
Suitable for PublicationCase No. CR-22-00988
DIRECTOR OF PUBLIC PROSECUTIONS v MICHELLE BARNES ---
JUDGE:
HER HONOUR JUDGE DAWES
WHERE HELD:
Melbourne
DATE OF HEARING:
13 February 2024
DATE OF SENTENCE:
23 February 2024
CASE MAY BE CITED AS:
DPP v Barnes
MEDIUM NEUTRAL CITATION:
[2023] VCC 128
Subject:CRIMINAL LAW
Catchwords: Theft
Legislation Cited: Sentencing Act 1991 (Vic)
Cases Cited:Worboyes v The Queen [2021] VSCA 169
Sentence:2-year Community Correction Order
---
APPEARANCES:
Counsel Solicitors For the DPP Mr D Brown
Mr D O’DohertyOffice of Public Prosecutions For the Accused Mr G Chipkin Victoria Legal Aid HER HONOUR:
1.1 Michelle Barnes, you have pleaded guilty to eight charges of theft that were committed between 10 May 2013 and 26 March 2020. The maximum penalty for each offence is ten years’ imprisonment.
2.2 Each single charge is a course of conduct. The eight charges incorporate a total of 385 payments made from the victim’s online bank accounts into your personal or home loan bank accounts, for your personal benefit.
3.3 You were born in November 1975 and were aged between 37 and 44 years at the time of your offending. The victim was a friend of yours, who was aged between 55 and 62 years. Over a period of seven years, you exploited your friendship and admit that you stole $115,775.12. A restraining order over your property, which relates to a civil confiscation proceeding, has been filed by the Proceeds of Crime Unit at the OPP. Both parties agree that there is sufficient equity in the property to cover the quantity of money stolen and I expect that full restitution will be provided once the confiscation proceeding concludes.
4.4 The Summary of Prosecution Opening has been tendered. It is agreed to be an accurate account of events. A general summary of the facts is as follows:
5.5 Since 2004, the victim was in receipt of a disability support pension due to several medical conditions. She was also in receipt of a carer’s pension for a friend, who resided with her.
6.6 In 2011, through an advertisement, you offered to sell children’s books. You were contacted by the victim and went to her home to show them to her. Your friendship commenced.
7.7 You learnt that the victim did not have a car and that she lacked support. You offered to assist both her and the friend that she cared for, who was also on a disability support pension. You stated you did not want anything in return, and as time went on, you gained the victim’s trust. Over the course of your friendship, you became aware that the victim was due to receive a considerable inheritance, which she planned to use on an overseas holiday.
8.8 In 2012, you told the victim that you wanted to move closer to where she and her friend lived, so that you would not have to travel so far to help them. In February 2013, you found a property to buy in Ballan. During discussions with the victim, she agreed to contribute $6,000 to your deposit and did not expect to be repaid. The victim requested that you look after her house when she and her friend were on holiday.
9.9 In early 2013, you suggested that you should have access to her bank accounts, so that you could pay bills when she was away. The victim did not know how to use online banking and agreed, as she completely trusted you. In April 2013, you were so highly regarded by both the victim and her friend, that they altered their wills to include you as a beneficiary.
10.10 Around February or March 2013, the victim transferred her money into the Commonwealth Bank and on 2 May 2013, you and the victim attended the bank in Ballan and opened 2 accounts for the victim. You were listed as an authorised third party to operate the accounts.
11.11 On 8 May 2013, the victim and her friend went on their holiday. The victim planned to spend approximately $99,000 which she had inherited from her deceased mother’s estate. However, by early July 2013, the pair had to return as they had run out of money. The victim thought that this was strange, but after talking to you and receiving no explanation, she believed that she must have overspent her inheritance. I note that you stole approximately $24,000 during this period.
12.12 After the victim returned, you maintained access to her bank accounts. You assisted her by doing some shopping, as well as other errands such as going to the chemist to collect prescriptions. You would pay for the items with your own money, and then reimburse yourself from the victim’s bank account using online banking. This arrangement continued until March 2020. The victim was not provided with receipts, as she trusted you.
13.13 Between May 2013 and March 2020, you regularly transferred funds from the victim’s bank accounts into your own accounts, which significantly exceeded the amount you were entitled to receive by way of reimbursement. The unauthorised transfer of funds in each calendar year is set out in the schedules, which I will attach to these sentencing remarks.
14.14 Over a period of seven years, you used the victim’s accounts as a source of credit. In March 2020, the victim was confronted by the fact that she did not have enough money to buy food. She disclosed her circumstances to a friend, who assisted her by reviewing her bank statements. It was apparent that regular, unexplained payments had been made into your accounts.
15.15 On 27 March 2020, the victim removed your third-party access to her accounts. She reported the matter to police and provided a statement on 17 September 2020.
16.16 You were arrested on 23 September 2020 and interviewed by police. You denied the allegations of theft. You stated that you often asked the victim if she could cover payments for you and that she agreed to help fund your car and house insurance, your mortgage repayments and your car repairs. You were released by police and eventually charged on 9 March 2021.
17.17 On 7 June 2022, a contested committal proceeded. The victim and a police officer were called and cross-examined. At the conclusion of the hearing, you entered pleas of not guilty to the charges. Although discussions commenced between the parties, you indicated that there were no prospects of resolution. Your trial was eventually listed as part of the Ballarat circuit that commenced on 2 October 2023. As a result of a sentence indication hearing on 3 October 2023, your case resolved. Your plea of guilty was formally entered in court on 15 December 2023.
18.18 The evidence against you has been clear for a long time. Although your guilty plea was entered at a late stage, it still has a utilitarian benefit. You have saved the court and the community the time and expense of running a trial. You have also prevented the victim from being required to give evidence and cross-examined again. Your plea of guilty facilitates the efficient administration of justice and you are entitled to a benefit for that. The utilitarian benefit of your plea is enhanced to some degree by the fact that Woyboyes’ considerations were engaged at the time you agreed to plead guilty, as your trial would not have commenced during that circuit.
19.19 You have pleaded guilty to serious offending. The value of each transaction ranged between $10 and $7,000, although you regularly withdrew $300 from the victim’s accounts. While each offence on its own is not particularly serious, it is the fact that you have persistently offended over a period of almost seven years which increases the level of seriousness. Your conduct was disgraceful. It involved a level of calculation and persistence. You had time to reflect on your dishonesty throughout the lengthy period yet chose to continue with it. The victim was a vulnerable pensioner who relied on your caring relationship. You abused your friendship. I consider that your misconduct amounts to a significant breach of trust, which is an aggravating feature.
20.20 Until you entered your plea of guilty, there was no sign of remorse for your misconduct whatsoever. You are aware that all of the victim’s money is likely to be repaid, due to the ample equity of your property once the confiscation order is finalised. I am told that you were under financial strain, which had an overwhelming effect on your capacity to manage it throughout your offending period. You used your victim’s money to cover payment of your mortgage, car insurance and your financial expenses. While it has not always been so, you have finally taken responsibility for your offending conduct and have belatedly shown remorse. I have taken that into account in your favour.
21.21 A victim impact statement has been prepared and provided to the court. In that statement, the victim describes the long-lasting stress that has occurred as a result of your conduct. She and her housemate relied on you, and I consider that the betrayal of her trust was significant. She writes that she is slowly recovering. It must be a great relief for her to be told that the money will be repaid. I take the relevant circumstances of the victim impact statement into account.
22.22 You have no criminal history, no subsequent criminal matters, and no pending charges. However, your prior good character must be given less weight in matters such as these as you have pleaded guilty to a course of dishonest conduct that occurred over almost seven years.
23.23 I turn now to your personal circumstances. You were born in November 1975 and are currently 48 years of age. You are the youngest of three children and were raised by your mother who was a single parent. Tragically, your father died of a sudden heart attack when you were six years of age. You are much younger than your brothers and the age gap between you lead you to feel on your own throughout your childhood.
24.24 You lived a modest lifestyle in a Housing Commission flat in Bacchus Marsh. You attended local primary and secondary schools and left in Year 9.
25.25 You have a strong work history undertaking various forms of employment, including as a hairdresser, florist and hospitality worker. You also spent five years working at the Aldi distribution centre.
26.26 In 2014, you commenced your full-time employment as phlebotomist. You have been working with the same company for the past nine years. I am told that you enjoy your work. Your income ranges between $1,300 to $1,500 per fortnight.
27.27 Your mother is now 82 years of age. In a letter that she has written to the court, she describes you as a devoted daughter who regularly assists in her lifestyle. You have cared for her over a number of years. Your mother acknowledged that the pending court case has been “very draining” for both of you. You are also the carer for a friend who lives with you. He is currently on a Disability Support Plan and you have assisted him for more than 10 years. When considering the appropriate penalty in your case, your mother writes that if you were to go to prison, she would be unable to cope without you. I accept that the burden of imprisonment would be more significant for you and that you would suffer significant anguish as a result of being unable to provide her with support, which would result in your time in custody being more onerous. I have taken this into account when determining the ultimate disposition in your case.
28.28 You have no issues with drug or alcohol abuse. You have suffered with a level of anxiety and depression since the commencement of these legal proceedings. You have been on medication and continue to engage in mental healthcare plans, as directed. Your case was hanging over your head for over two and a half years, until you indicated you would plead guilty at the sentence indication. The delay is not excessive and is primarily as a result of your intention to run a trial in this matter. I accept that this period of time has resulted in a source of anxiety for you, notwithstanding that you initially intended to plead not guilty. However, you are not to be penalised for that. I do take your anxiety and depression into account when considering the ultimate disposition in this case. You have not re-offended in the intervening period.
29.29 I accept that the principles of general deterrence, denunciation and just punishment must assume significance in the sentencing mix. The principle of specific deterrence remains of some relevance in light of the number of dishonest transactions that occurred over a lengthy period. Given your persistence of offending that occurred over a period of almost seven years, I consider that your moral culpability is high.
30.30 In light of your lack of prior history, the concept of rehabilitation remains a relevant consideration. Overall, I am satisfied that your prospects are reasonably good.
31.31 Following submissions by both parties that a Community Correction Order would be within range, I requested that you be assessed on 13 and 14 February 2024. When you were interviewed, you acknowledged your wrongdoing. You displayed insight and remorse into the effects of your misconduct on the victim. You were found to be a low risk of reoffending. You expressed your willingness to engage in a CCO, to continue to access treatment and move on with your life.
32.32 A mental health advice and response service assessment found you would benefit from ongoing psychological treatment, as you have struggled physically and psychologically from your current legal situation. However, you did acknowledge that you are not “the victim in all this”. It is recommended that ongoing mental health counselling and treatment be a condition of a CCO to promote your wellbeing and reduce the likelihood of reoffending. Your mental health would not impede your capacity to comply with an order. You indicate that you are willing to comply with a CCO and have been found suitable.
33.33 Lack of restitution is not an aggravating feature. As a result of the confiscation proceeding, I expect that full restitution will be made within around 7 months. I note that you will not receive any money as a result of the sale of your property, as you have waived your right to seek an exclusion order. Your mortgage will be refunded to the bank, the victim will be reimbursed and the balance of equity in the property will be forfeited to the State. As a result of this uncontested order, I am satisfied that the disposition I impose is to balance in your favour. I will moderate the number of hours of unpaid community work, to reflect the forfeiture of all money outstanding upon the sale of your property, once the mortgage and restitution are refunded.
34.34 I take into account the maximum penalty for these offences and current sentencing practices. I have considered the cases to which I have been referred by both parties. It is inevitable that a conviction be imposed in this case. This is a form of punishment in itself. Whether it will impact your capacity to continue with your employment in the future is unclear.
35.35 The principle of parsimony requires that a sentence be no more severe than is necessary to achieve the purposes of sentencing for which it is imposed. Ultimately, I consider that an alternative to a custodial sentence is the appropriate outcome here. You have avoided a term of imprisonment by the narrowest of margins.
36.36 Balancing all factors as best I can, I will impose a conviction and place you on a CCO for a period of two years:
• • you are required to report to the Ballarat Community Corrections officer within 48 hours;
• • you are to perform 200 hours of unpaid community work;
• • you must undergo mental health treatment and rehabilitation as directed by Corrections;
• • I direct that 50 hours of mental health treatment and rehabilitation are to be credited as hours of unpaid community work.
1.37 The declaration I make under s6AAA is, had the matter not proceeded as a plea of guilty, I would have imposed a term of imprisonment of 18 months with a minimum of 10 months.
SCHEDULE OF TRANSACTIONS
Charge 1 – $24,234
1. 10-May-13 Tree $3,000 KR: Complete Access (8304) MB: Complete Access (6031) 2. 14-May-13 $1,000 KR: Netbank Saver (8312) MB: Complete Access (6031) 3. 14-May-13 $200 KR: Netbank Saver (8312) MB: Complete Access (6031) 4. 18-May-13 $805 KR: Netbank Saver (8312) MB: Complete Access (6031) 5. 23-May-13 $4,000 KR: Netbank Saver (8312) MB: Complete Access (6031) 6. 3-Jun-13 $1,000 KR: Netbank Saver (8312) MB: Complete Access (6031) 7. 4-Jun-13 $7,000 KR: Netbank Saver (8312) MB: Complete Access (6031) 8. 10-Jun-13 $1,000 KR: Netbank Saver (8312) MB: Complete Access (6031) 9. 14-Jun-13 $2,000 KR: Netbank Saver (8312) MB: Complete Access (6031) 10. 25-Jun-13 $1,000 KR: Netbank Saver (8312) MB: Complete Access (6031) 11. 27-Jun-13 $1,500 KR: Netbank Saver (8312) MB: Complete Access (6031) 12. 27-Jun-13 $200 KR: Netbank Saver (8312) MB: Complete Access (6031) 13. 2-Jul-13 $500 KR: Netbank Saver (8312) MB: Complete Access (6031) 14. 4-Jul-13 $400 KR: Netbank Saver (8312) MB: Complete Access (6031) 15. 7-Jul-13 $400 KR: Netbank Saver (8312) MB: Complete Access (6031) 16. 19-Dec-13 Car repairs $229 KR: Complete Access (8304) MB: Complete Access (6031) Charge 2 - $1,909.94
1. 17-Feb-14 $150 KR: Netbank Saver (8312) MB: Complete Access (6031) 2. 22-Feb-14 $150 KR: Netbank Saver (8312) MB: Complete Access (6031) 3. 6-Mar-14 $80 KR: Netbank Saver (8312) MB: Complete Access (6031) 4. 15-May-14 Partcarinsurance $260 KR: Complete Access (8304) MB: Complete Access (6031) 5. 7-Jun-14 Carinsure $80 KR: Complete Access (8304) MB: Complete Access (6031) 6. 17-Jun-14 $0.94 KR: Netbank Saver (8312) MB: Complete Access (6031) 7. 29-Jun-14 $150 KR: Netbank Saver (8312) MB: Complete Access (6031) 8. 2-Aug-14 $200 KR: Netbank Saver (8312) MB: Complete Access (6031) 9. 28-Aug-14 $150 KR: Netbank Saver (8312) MB: Complete Access (6031) 10. 4-Nov-14 Rego $689 KR: Complete Access (8304) MB: Complete Access (6031) Charge 3 – $7729
1. 19-Mar-15 Carinsur $350 KR: Complete Access (8304) MB: Complete Access (6031) 2. 2-Apr-15 Partcarpay $70 KR: Complete Access (8304) MB: Complete Access (6031) 3. 7-May-15 Rego $780 KR: Complete Access (8304) MB: Complete Access (6031) 4. 11-Jun-15 Halfyearlycarinsur $400 KR: Complete Access (8304) MB: Complete Access (6031) 5. 23-Jul-15 Halfcarinsurhalfyear $392 KR: Complete Access (8304) MB: Complete Access (6031) 6. 27-Jul-15 Parttyres $450 KR: Complete Access (8304) MB: Complete Access (6031) 7. 30-Jul-15 Add to tyrepayment $298 KR: Complete Access (8304) MB: Complete Access (6031) 8. 13-Aug-15 Car repairshalf $307 KR: Complete Access (8304) MB: Complete Access (6031) 9. 20-Aug-15 Car repairshalf $390 KR: Complete Access (8304) MB: Complete Access (6031) 10. 27-Aug-15 Morecarrepairsaug $300 KR: Complete Access (8304) MB: Complete Access (6031) 11. 3-Sep-15 Car parts $300 KR: Complete Access (8304) MB: Complete Access (6031) 12. 10-Sep-15 Car repairshalf $302 KR: Complete Access (8304) MB: Complete Access (6031) 13. 15-Oct-15 Carpaymentshalf $220 KR: Complete Access (8304) MB: Complete Access (6031) 14. 22-Oct-15 Carpaymentandrego $280 KR: Complete Access (8304) MB: Complete Access (6031) 15. 5-Nov-15 Partcarpayment $150 KR: Complete Access (8304) MB: Complete Access (6031) 16. 6-Nov-15 Partcarinsurannual $370 KR: Complete Access (8304) MB: Complete Access (6031) 17. 7-Nov-15 Cartransfernametra $780 KR: Complete Access (8304) MB: Complete Access (6031) 18. 19-Nov-15 Prtcarpaymnt $300 KR: Complete Access (8304) MB: Complete Access (6031) 19. 26-Nov-15 Partcarandinsuranc $390 KR: Complete Access (8304) MB: Complete Access (6031) 20. 3-Dec-15 Halfcarpaymnts $300 KR: Complete Access (8304) MB: Home Loan (3666) 21. 23-Dec-15 Partcarandinsuranc $300 KR: Complete Access (8304) MB: Complete Access (6031) 22. 30-Dec-15 Prtcarpaymnt $300 KR: Complete Access (8304) MB: Complete Access (6031)
Charge 4 – $17,498
1. 8-Jan-16 Carinsur $87 KR: Complete Access (8304) MB: Complete Access (6031) 2. 14-Jan-16 Prtcarpaymnt $287 KR: Complete Access (8304) MB: Complete Access (6031) 3. 21-Jan-16 Partcarandinsuranc $350 KR: Complete Access (8304) MB: Complete Access (6031) 4. 28-Jan-16 Prtcarpaymnt $300 KR: Complete Access (8304) MB: Complete Access (6031) 5. 4-Feb-16 Carrepairshalf $385 KR: Complete Access (8304) MB: Complete Access (6031) 6. 11-Feb-16 Prtcarpaymnt $300 KR: Complete Access (8304) MB: Complete Access (6031)
7. 15-Feb-16 Insurancecar $30 KR: Complete Access (8304) MB: Complete Access (6031) 8. 18-Feb-16 Partcarpamntrepair $400 KR: Complete Access (8304) MB: Complete Access (6031) 9. 25-Feb-16 Prtcarpaymnt $287 KR: Complete Access (8304) MB: Complete Access (6031) 10. 3-Mar-16 Partcarpamntrepair $292 KR: Complete Access (8304) MB: Complete Access (6031) 11. 10-Mar-16 Prtcarpaymnt $180 KR: Complete Access (8304) MB: Complete Access (6031) 12. 10-Mar-16 Partcarpamntrepair $50 KR: Complete Access (8304) MB: Complete Access (6031) 13. 17-Mar-16 Car and insurapay $300 KR: Complete Access (8304) MB: Complete Access (6031) 14. 23-Mar-16 Partcarpaymnt $280 KR: Complete Access (8304) MB: Complete Access (6031) 15. 31-Mar-16 Partcarpaymnt $300 KR: Complete Access (8304) MB: Complete Access (6031) 16. 7-Apr-16 Car and insurapay $300 KR: Complete Access (8304) MB: Complete Access (6031) 17. 14-Apr-16 Car and insurapay $300 KR: Complete Access (8304) MB: Complete Access (6031) 18. 21-Apr-16 Car and insurapay $300 KR: Complete Access (8304) MB: Complete Access (6031) 19. 28-Apr-16 Car and insurapay $300 KR: Complete Access (8304) MB: Complete Access (6031) 20. 5-May-16 Car and insurapay $300 KR: Complete Access (8304) MB: Complete Access (6031) 21. 11-May-16 Car and insurapay $300 KR: Complete Access (8304) MB: Complete Access (6031) 22. 12-May-16 Carregandinsur $890 KR: Complete Access (8304) MB: Complete Access (6031) 23. 12-May-16 Carrepairatford $610 KR: Complete Access (8304) MB: Complete Access (6031) 24. 19-May-16 Carregandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 25. 26-May-16 Carregandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 26. 2-Jun-16 Carpmntandins $300 KR: Complete Access (8304) MB: Complete Access (6031) 27. 16-Jun-16 Carpmntandins $300 KR: Complete Access (8304) MB: Complete Access (6031) 28. 23-Jun-16 Carpmntandins $300 KR: Complete Access (8304) MB: Complete Access (6031) 29. 30-Jun-16 Carpmntandins $300 KR: Complete Access (8304) MB: Complete Access (6031) 30. 7-Jul-16 Carpmntandins $300 KR: Complete Access (8304) MB: Complete Access (6031) 31. 9-Jul-16 Carrepairpartymnt $110 KR: Complete Access (8304) MB: Complete Access (6031) 32. 13-Jul-16 Carpmntandins $300 KR: Complete Access (8304) MB: Complete Access (6031) 33. 14-Jul-16 Carpmntandins $300 KR: Complete Access (8304) MB: Complete Access (6031) 34. 21-Jul-16 Carpmntandins $300 KR: Complete Access (8304) MB: Complete Access (6031) 35. 28-Jul-16 Carpmntandins $300 KR: Complete Access (8304) MB: Complete Access (6031) 36. 4-Aug-16 Carpmntandins $300 KR: Complete Access (8304) MB: Complete Access (6031) 37. 18-Aug-16 Carpmntandins $300 KR: Complete Access (8304) MB: Complete Access (6031) 38. 25-Aug-16 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 39. 1-Sep-16 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 40. 8-Sep-16 Carandinur $300 KR: Complete Access (8304) MB: Complete Access (6031) 41. 15-Sep-16 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 42. 22-Sep-16 Carandinur $300 KR: Complete Access (8304) MB: Complete Access (6031) 43. 6-Oct-16 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 44. 13-Oct-16 Carandinur $300 KR: Complete Access (8304) MB: Complete Access (6031) 45. 27-Oct-16 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 46. 3-Nov-16 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 47. 10-Nov-16 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 48. 10-Nov-16 Part carrego pymnt $150 KR: Complete Access (8304) MB: Complete Access (6031) 49. 17-Nov-16 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 50. 17-Nov-16 Regopmntaninterest $1,080 KR: Complete Access (8304) MB: Complete Access (6031) 51. 24-Nov-16 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 52. 1-Dec-16 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 53. 8-Dec-16 Carandinsur $30 KR: Complete Access (8304) MB: Complete Access (6031) 54. 8-Dec-16 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 55. 15-Dec-16 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 56. 22-Dec-16 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 57. 27-Dec-16 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) Charge 5 - $18,910.18
1. 5-Jan-17 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 2. 12-Jan-17 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 3. 19-Jan-17 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 4. 25-Jan-17 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 5. 2-Feb-17 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 6. 7-Feb-17 $0.18 KR: Netbank Saver (8312) MB: Complete Access (6031) 7. 9-Feb-17 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 8. 16-Feb-17 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 9. 23-Feb-17 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 10. 2-Mar-17 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 11. 9-Mar-17 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031)
12. 16-Mar-17 $10 KR: Netbank Saver (8312) MB: Complete Access (6031) 13. 16-Mar-17 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 14. 23-Mar-17 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 15. 30-Mar-17 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 16. 6-Apr-17 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 17. 12-Apr-17 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 18. 20-Apr-17 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 19. 27-Apr-17 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 20. 4-May-17 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 21. 11-May-17 Carandinsur $350 KR: Complete Access (8304) MB: Complete Access (6031) 22. 18-May-17 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 23. 18-May-17 Car rego $820 KR: Complete Access (8304) MB: Complete Access (6031) 24. 25-May-17 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 25. 1-Jun-17 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 26. 8-Jun-17 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 27. 8-Jun-17 Carandinsur $100 KR: Complete Access (8304) MB: Complete Access (6031) 28. 15-Jun-17 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 29. 22-Jun-17 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 30. 29-Jun-17 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 31. 6-Jul-17 $100 KR: Netbank Saver (8312) MB: Complete Access (6031) 32. 6-Jul-17 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 33. 11-Jul-17 Tyre $120 KR: Complete Access (8304) MB: Complete Access (6031) 34. 13-Jul-17 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 35. 14-Jul-17 $65 KR: Netbank Saver (8312) MB: Complete Access (6031) 36. 20-Jul-17 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 37. 27-Jul-17 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 38. 3-Aug-17 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 39. 4-Aug-17 $85 KR: Netbank Saver (8312) MB: Complete Access (6031) 40. 10-Aug-17 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 41. 17-Aug-17 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 42. 24-Aug-17 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 43. 25-Aug-17 $95 KR: Netbank Saver (8312) MB: Complete Access (6031)
44. 31-Aug-17 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 45. 1-Sep-17 $80 KR: Netbank Saver (8312) MB: Complete Access (6031) 46. 7-Sep-17 $25 KR: Netbank Saver (8312) MB: Complete Access (6031) 47. 7-Sep-17 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 48. 14-Sep-17 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 49. 21-Sep-17 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 50. 22-Sep-17 $65 KR: Netbank Saver (8312) MB: Complete Access (6031) 51. 28-Sep-17 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 52. 29-Sep-17 $75 KR: Netbank Saver (8312) MB: Complete Access (6031) 53. 5-Oct-17 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 54. 12-Oct-17 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 55. 13-Oct-17 $20 KR: Netbank Saver (8312) MB: Complete Access (6031) 56. 19-Oct-17 $100 KR: Netbank Saver (8312) MB: Complete Access (6031) 57. 19-Oct-17 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 58. 26-Oct-17 Partcarpaymnt $300 KR: Complete Access (8304) MB: Complete Access (6031) 59. 2-Nov-17 Partcarpaymnt $300 KR: Complete Access (8304) MB: Complete Access (6031) 60. 3-Nov-17 $65 KR: Netbank Saver (8312) MB: Complete Access (6031) 61. 9-Nov-17 Carandinsurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 62. 11-Nov-17 $50 KR: Netbank Saver (8312) MB: Complete Access (6031) 63. 16-Nov-17 Carandinsurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 64. 20-Nov-17 $100 KR: Netbank Saver (8312) MB: Complete Access (6031) 65. 23-Nov-17 Carandinsurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 66. 24-Nov-17 Part rego tyrescar $1,000 KR: Complete Access (8304) MB: Complete Access (6031) 67. 24-Nov-17 Needextrafortyres $100 KR: Complete Access (8304) MB: Complete Access (6031) 68. 30-Nov-17 Carandinsurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 69. 7-Dec-17 Carandinsurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 70. 14-Dec-17 Carandinsurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 71. 15-Dec-17 $45 KR: Netbank Saver (8312) MB: Complete Access (6031) 72. 21-Dec-17 Carandinsurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 73. 22-Dec-17 $75 KR: Netbank Saver (8312) MB: Complete Access (6031) 74. 23-Dec-17 Carandinsurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 75. 28-Dec-17 $65 KR: Netbank Saver (8312) MB: Complete Access (6031) Charge 6 - $18,610
1. 4-Jan-18 Carandinsurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 2. 11-Jan-18 Carandinsurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 3. 18-Jan-18 Carandinsurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 4. 25-Jan-18 Carandinsurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 5. 1-Feb-18 Carandinsurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 6. 8-Feb-18 Carandinsurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 7. 15-Feb-18 Carandinsurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 8. 16-Feb-18 $45 KR: Netbank Saver (8312) MB: Complete Access (6031) 9. 22-Feb-18 Carandinsurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 10. 1-Mar-18 Carandinsurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 11. 8-Mar-18 $25 KR: Netbank Saver (8312) MB: Complete Access (6031) 12. 8-Mar-18 Carandinsurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 13. 15-Mar-18 Carandinsurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 14. 22-Mar-18 Carandinsurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 15. 23-Mar-18 $28 KR: Netbank Saver (8312) MB: Complete Access (6031) 16. 28-Mar-18 Carandinsurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 17. 29-Mar-18 $45 KR: Netbank Saver (8312) MB: Complete Access (6031) 18. 5-Apr-18 Carandinsurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 19. 6-Apr-18 $20 KR: Netbank Saver (8312) MB: Complete Access (6031) 20. 19-Apr-18 Carandinsurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 21. 25-Apr-18 Carandinsurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 22. 27-Apr-18 $45 KR: Netbank Saver (8312) MB: Complete Access (6031) 23. 3-May-18 Carandinsurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 24. 4-May-18 $20 KR: Netbank Saver (8312) MB: Complete Access (6031) 25. 10-May-18 Carandinsurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 26. 17-May-18 Carandinsurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 27. 18-May-18 $55 KR: Netbank Saver (8312) MB: Complete Access (6031) 28. 24-May-18 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 29. 25-May-18 $45 KR: Netbank Saver (8312) MB: Complete Access (6031) 30. 31-May-18 $20 KR: Netbank Saver (8312) MB: Complete Access (6031)
31. 31-May-18 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 32. 7-Jun-18 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 33. 14-Jun-18 Carandinsur $300 KR: Complete Access (8304) MB: Complete Access (6031) 34. 15-Jun-18 $30 KR: Netbank Saver (8312) MB: Complete Access (6031) 35. 22-Jun-18 $25 KR: Netbank Saver (8312) MB: Complete Access (6031) 36. 5-Jul-18 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 37. 6-Jul-18 $65 KR: Netbank Saver (8312) MB: Complete Access (6031) 38. 12-Jul-18 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 39. 13-Jul-18 $100 KR: Netbank Saver (8312) MB: Complete Access (6031) 40. 19-Jul-18 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 41. 20-Jul-18 $45 KR: Netbank Saver (8312) MB: Complete Access (6031) 42. 26-Jul-18 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 43. 27-Jul-18 $70 KR: Netbank Saver (8312) MB: Complete Access (6031) 44. 2-Aug-18 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 45. 3-Aug-18 $88 KR: Netbank Saver (8312) MB: Complete Access (6031) 46. 9-Aug-18 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 47. 16-Aug-18 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 48. 17-Aug-18 $75 KR: Netbank Saver (8312) MB: Complete Access (6031) 49. 23-Aug-18 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 50. 24-Aug-18 $26 KR: Netbank Saver (8312) MB: Complete Access (6031) 51. 30-Aug-18 $15 KR: Netbank Saver (8312) MB: Complete Access (6031) 52. 30-Aug-18 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 53. 31-Aug-18 $30 KR: Netbank Saver (8312) MB: Complete Access (6031) 54. 6-Sep-18 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 55. 7-Sep-18 $45 KR: Netbank Saver (8312) MB: Complete Access (6031) 56. 13-Sep-18 $16 KR: Netbank Saver (8312) MB: Complete Access (6031) 57. 13-Sep-18 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 58. 20-Sep-18 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 59. 27-Sep-18 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 60. 4-Oct-18 $91 KR: Netbank Saver (8312) MB: Complete Access (6031) 61. 4-Oct-18 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 62. 11-Oct-18 $60 KR: Netbank Saver (8312) MB: Complete Access (6031) 63. 11-Oct-18 $11 KR: Netbank Saver (8312) MB: Complete Access (6031) 64. 11-Oct-18 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 65. 18-Oct-18 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 66. 25-Oct-18 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 67. 1-Nov-18 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 68. 8-Nov-18 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 69. 15-Nov-18 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 70. 18-Nov-18 $90 KR: Netbank Saver (8312) MB: Complete Access (6031) 71. 22-Nov-18 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 72. 29-Nov-18 $80 KR: Netbank Saver (8312) MB: Complete Access (6031) 73. 29-Nov-18 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 74. 2-Dec-18 $50 KR: Netbank Saver (8312) MB: Complete Access (6031) 75. 5-Dec-18 Repairs rego tyres $2,500 KR: Complete Access (8304) MB: Complete Access (6031) 76. 6-Dec-18 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 77. 13-Dec-18 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 78. 14-Dec-18 $20 KR: Netbank Saver (8312) MB: Complete Access (6031) 79. 20-Dec-18 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 80. 22-Dec-18 $30 KR: Netbank Saver (8312) MB: Complete Access (6031) 81. 22-Dec-18 Carandinsurance $300 KR: Complete Access (8304) MB: Complete Access (6031)
Charge 7 – $22,394
1. 03-Jan-19 $70 KR: Netbank Saver (8312) MB: Complete Access (6031) 2. 10-Jan-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 3. 10-Jan-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 4. 17-Jan-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 5. 24-Jan-19 $47 KR: Netbank Saver (8312) MB: Complete Access (6031) 6. 24-Jan-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 7. 25-Jan-19 $15 KR: Netbank Saver (8312) MB: Complete Access (6031) 8. 31-Jan-19 $80 KR: Netbank Saver (8312) MB: Complete Access (6031) 9. 31-Jan-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 10. 7-Feb-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 11. 14-Feb-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031)
12. 15-Feb-19 $15 KR: Netbank Saver (8312) MB: Complete Access (6031) 13. 21-Feb-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 14. 23-Feb-19 $47 KR: Netbank Saver (8312) MB: Complete Access (6031) 15. 28-Feb-19 $30 KR: Netbank Saver (8312) MB: Complete Access (6031) 16. 28-Feb-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 17. 07-Mar-19 $33 KR: Netbank Saver (8312) MB: Complete Access (6031) 18. 7-Mar-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 19. 14-Mar-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 20. 21-Mar-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 21. 22-Mar-19 $20 KR: Netbank Saver (8312) MB: Complete Access (6031) 22. 28-Mar-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 23. 29-Mar-19 $15 KR: Netbank Saver (8312) MB: Complete Access (6031) 24. 4-Apr-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 25. 05-Apr-19 $50 KR: Netbank Saver (8312) MB: Complete Access (6031) 26. 11-Apr-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 27. 17-Apr-19 Carandinsurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 28. 18-Apr-19 $50 KR: Netbank Saver (8312) MB: Complete Access (6031) 29. 24-Apr-19 $20 KR: Netbank Saver (8312) MB: Complete Access (6031) 30. 24-Apr-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 31. 25-Apr-19 $50 KR: Netbank Saver (8312) MB: Complete Access (6031) 32. 2-May-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 33. 9-May-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 34. 10-May-19 $30 KR: Netbank Saver (8312) MB: Complete Access (6031) 35. 16-May-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 36. 23-May-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 37. 30-May-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 38. 6-Jun-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 39. 6-Jun-19 Regosandcarrepairs $2,200 KR: Complete Access (8304) MB: Complete Access (6031) 40. 08-Jun-19 $118 KR: Netbank Saver (8312) MB: Complete Access (6031) 41. 13-Jun-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 42. 20-Jun-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 43. 21-Jun-19 $40 KR: Netbank Saver (8312) MB: Complete Access (6031)
44. 27-Jun-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 45. 4-Jul-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 46. 05-Jul-19 $150 KR: Netbank Saver (8312) MB: Complete Access (6031) 47. 11-Jul-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 48. 14-Jul-19 $50 KR: Netbank Saver (8312) MB: Complete Access (6031) 49. 18-Jul-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 50. 19-Jul-19 $100 KR: Netbank Saver (8312) MB: Complete Access (6031) 51. 25-Jul-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 52. 26-Jul-19 $20 KR: Netbank Saver (8312) MB: Complete Access (6031) 53. 1-Aug-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 54. 8-Aug-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 55. 09-Aug-19 $30 KR: Netbank Saver (8312) MB: Complete Access (6031) 56. 15-Aug-19 $150 KR: Netbank Saver (8312) MB: Complete Access (6031) 57. 15-Aug-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 58. 16-Aug-19 $30 KR: Netbank Saver (8312) MB: Complete Access (6031) 59. 22-Aug-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 60. 23-Aug-19 $25 KR: Netbank Saver (8312) MB: Complete Access (6031) 61. 29-Aug-19 $25 KR: Netbank Saver (8312) MB: Complete Access (6031) 62. 29-Aug-19 $17 KR: Netbank Saver (8312) MB: Complete Access (6031) 63. 29-Aug-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 64. 01-Sep-19 $20 KR: Netbank Saver (8312) MB: Complete Access (6031) 65. 5-Sep-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 66. 06-Sep-19 $20 KR: Netbank Saver (8312) MB: Complete Access (6031) 67. 12-Sep-19 $150 KR: Netbank Saver (8312) MB: Complete Access (6031) 68. 12-Sep-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 69. 19-Sep-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 70. 20-Sep-19 $80 KR: Netbank Saver (8312) MB: Complete Access (6031) 71. 26-Sep-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 72. 27-Sep-19 $30 KR: Netbank Saver (8312) MB: Complete Access (6031) 73. 29-Sep-19 $30 KR: Netbank Saver (8312) MB: Complete Access (6031) 74. 3-Oct-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 75. 04-Oct-19 $30 KR: Netbank Saver (8312) MB: Complete Access (6031) 76. 10-Oct-19 $40 KR: Netbank Saver (8312) MB: Complete Access (6031) 77. 10-Oct-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 78. 17-Oct-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 79. 24-Oct-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 80. 25-Oct-19 $20 KR: Netbank Saver (8312) MB: Complete Access (6031) 81. 31-Oct-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 82. 02-Nov-19 $50 KR: Netbank Saver (8312) MB: Complete Access (6031) 83. 07-Nov-19 $50 KR: Netbank Saver (8312) MB: Complete Access (6031) 84. 7-Nov-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 85. 08-Nov-19 $40 KR: Netbank Saver (8312) MB: Complete Access (6031) 86. 12-Nov-19 $20 KR: Netbank Saver (8312) MB: Complete Access (6031) 87. 14-Nov-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 88. 17-Nov-19 $17 KR: Netbank Saver (8312) MB: Complete Access (6031) 89. 21-Nov-19 $40 KR: Netbank Saver (8312) MB: Complete Access (6031) 90. 21-Nov-19 $30 KR: Netbank Saver (8312) MB: Complete Access (6031) 91. 21-Nov-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 92. 28-Nov-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 93. 5-Dec-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 94. 6-Dec-19 Car repairs an reg $2,200 KR: Complete Access (8304) MB: Complete Access (6031) 95. 12-Dec-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 96. 19-Dec-19 $70 KR: Netbank Saver (8312) MB: Complete Access (6031) 97. 19-Dec-19 $30 KR: Netbank Saver (8312) MB: Complete Access (6031) 98. 19-Dec-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 99. 24-Dec-19 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) Charge 8 – $3900
1. 01-Jan-20 $100 KR: Netbank Saver (8312) MB: Complete Access (6031) 2. 01-Jan-20 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 3. 03-Jan-20 $30 KR: Netbank Saver (8312) MB: Complete Access (6031) 4. 09-Jan-20 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 5. 11-Jan-20 $60 KR: Netbank Saver (8312) MB: Complete Access (6031) 6. 16-Jan-20 $30 KR: Netbank Saver (8312) MB: Complete Access (6031)
7. 16-Jan-20 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 8. 23-Jan-20 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 9. 24-Jan-20 $20 KR: Netbank Saver (8312) MB: Complete Access (6031) 10. 30-Jan-20 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 11. 06-Feb-20 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 12. 13-Feb-20 $60 KR: Netbank Saver (8312) MB: Complete Access (6031) 13. 13-Feb-20 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 14. 15-Feb-20 $20 KR: Netbank Saver (8312) MB: Complete Access (6031) 15. 20-Feb-20 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 16. 22-Feb-20 $50 KR: Netbank Saver (8312) MB: Complete Access (6031) 17. 27-Feb-20 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 18. 28-Feb-20 $50 KR: Netbank Saver (8312) MB: Complete Access (6031) 19. 05-Mar-20 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 20. 12-Mar-20 $60 KR: Netbank Saver (8312) MB: Complete Access (6031) 21. 12-Mar-20 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 22. 19-Mar-20 $70 KR: Netbank Saver (8312) MB: Complete Access (6031) 23. 19-Mar-20 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031) 24. 26-Mar-20 $40 KR: Netbank Saver (8312) MB: Complete Access (6031) 25. 26-Mar-20 Car and insurance $300 KR: Complete Access (8304) MB: Complete Access (6031)