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    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
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Debenhams/Santander Cards-Viking Collection Services LTD


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I'm having trouble with a Debenhams Storecard,

 

I called Santander Cards and I told them I was having trouble paying my bills at that moment in time. They were understanding about my troubles. I was told that they would send a letter on which I could tell them about my income and my outgoings so they could reduce my monthly payment. I gave them 10 days to do so. I never received the letter. Instead I received the letter below.

 

 

DEBT ENFORCEMENT

 

 

VIKING COLLECTION SERVICES LTD

 

P.O. Box 800

Leeds

LS99 2AE

22/09/09

 

Dear Miss

 

Santander Cards UK Limited

 

DEBENHAMS STORECARD Account Number:

 

Outstanding Balance:

 

Your above Santander Cards UK Limited account has been transferred to Viking Collections Services Limited. This has happened due to your failure to make the acquired payments on your account.

 

To avoid further action, which will include further contact by telephone and letter and administration fees. You are now required to pay the full outstanding balance of £ within the next 7 days. Please contact us on 0870 513 4601 to make this payment by debit card.

 

If you are unable to pay the full balance you should still contact us to discuss your payment options.

 

Yours sincerely

 

R Hodgson

Viking Collections Manager

 

 

I wrote back with a Debt Validation letter.

Viking Collection Services LTD

P.O. Box 800

Leeds

LS99 2AE

 

Saturday 26th September 2009

 

Regarding: Debenhams Storecard Account Number:

 

Mr R Hodgson,

 

I am writing in response to the letter received from you on date 26/09/09. Pursuant to my rights under Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b).

 

I am requesting that you provide validation of this debt. Note this is not a refusal to pay, but a request that you provide me with evidence that I have a legal obligation to pay you.

 

I am not requesting "verification" or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that you provide me with competent evidence that I have any legal obligation to pay you.

 

Please provide me with the following:

 

The amount of money you say I owe.

 

What the money you say I owe is for.

 

Explain and show me a break down of how you calculated this amount you say I owe.

 

Identify the original creditor's name, address and phone number.

 

Prove the Statute of Limitations has not expired on this alleged account.

 

Provide me with a copy of the agreement between you and the original creditor that allows you to collect this debt for the original creditor.

 

Provide me with a copy of the original contract with my signature.

 

Provide me with your license number and any registered agents.

 

If you are able to provide me with all of the proper documentation as I have requested. I will require at least 30 days to review and investigate this information and during such time any collection activity must cease and desist.

 

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting agency that could be inaccurate or invalidated or by verifying an alleged account as accurate when in fact there is no provided proof that it is.

 

If you fail to respond to this validation request within 30 days from the date of your receipt, or do not provide me with the proper validation, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

 

I would also like to request, in writing, that no telephone contact be made by you to my home, cell phone, work place, to any family members, friends, neighbors or co-workers. If you attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by Royal Mail.

 

Yours Sincerely,

 

I received a reply to my letter:

 

Santander Cards

 

16 October 2009

 

Dear Miss

 

Debenhams Account Number:

 

Thank you for your letter dated 26 September 2009, received on 30 September 2009, regarding the above account. This has been passed to us by Viking Collection Services to respond. Please accept my apologies for the delay.

 

I have enclosed a copy of the agreement that you signed to open the account and can confirm that this is the legally binding contract between you and Santander Cards. You will see that the agreement contains your title, name, address, telephone number and signature.

 

If you require a full breakdown of the account copy statements can be provided. However, to cover administration costs a charge of £3.00 is payable for each copy statement. If you request more than three statements at any one time this charge will be capped at £10.00. Should you require copies, please send a cheque payable to Santander Cards to the following address stating your requirements.

 

Credit Data Management

Santander Cards

P.O. Box 700

Leeds

LS99 2BD

 

Viking Collection Services whose registration number is 508834 are part of the Santander group of companies. As such, we have instructed them to collect the outstanding debt on our behalf and we are entitled to do so.

 

Action will continue to be taken to recover the outstanding balance, which is currently £, if payments are not maintained according to the terms and conditions of the agreement. We will also continue to report the details of the account to the Credit Reference Agencies and any information already recorded will not be removed.

 

If you are experiencing financial difficulties, please contact our Financial Solutions Unit on 0845 6000025, who may be able to agree a suitable payment arrangement with you.

 

 

I trust this clarifies the situation.

 

Yours sincerely

 

Janet McGuire

Credit Data Management

0871 522 5801

 

Enc: Copy of agreement

 

Santander Cards, P.O. Box 700, Leeds, LS99 2BD

 

 

*The reply was not from Viking Collection Services LTD it was from Credit Data Management, Santander Cards, P.O. Box 700, Leeds. LS99 2BD.

I did ask for debt validation from Viking Collection Services LTD. I got a reply from Santander Cards instead.

 

What I would like to know is: Is the copy of the agreement legally enforceable? I only have a tiny photocopied piece of paper with what looks like the front of the Original Credit Agreement, signed by myself. I have not been provided with any T&C’S.

 

I’m not trying to get out of paying my debts. I’m just annoyed that I did not get to sort out paying my debt to the original creditor Santander Cards.

 

I have no Idea who Viking Collection Services are. Which is why I sent out a debt validation letter to see if they legally own the debt and I legally have to pay them I can do so.

 

If yes/no what should I take for my next step?

 

Thank you in advance for you help.

Nicola.

Edited by Nicola85
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Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Just done a very tiny amount of research on tinternet and came up with the following:

Name & Registered Office:

VIKING COLLECTION SERVICES LIMITED

2 TRITON SQUARE

REGENT'S PLACE

LONDON

NW1 3AN

Company No. 00508834

 

 

Status: Active

Date of Incorporation: 13/06/1952

 

Country of Origin: United Kingdom

Company Type: Private Limited Company

Nature of Business (SIC(03)):

6523 - Other financial intermediation

Accounting Reference Date: 31/12

Last Accounts Made Up To: 31/12/2008 (DORMANT)

Next Accounts Due: 30/09/2010

Last Return Made Up To: 09/11/2008

Next Return Due: 07/12/2009

Last Members List: 09/11/2008

Previous Names: Date of change Previous Name 26/03/1984 READYCREDIT LIMITED 31/12/1979 BURTON CREDIT LIMITED 22/10/1992 BURTON GROUP PERSONAL ACCOUNTS LIMITED

 

Now not having sight of the letter they sent you, I would be unable to further see if they are the 'in-house' DCA for debenhams or not.

 

However it is pretty much safe to say that if you questioned Viking and Santander replied then they are one of the same, and they are the in-house DCA.

 

Santander having bought Abbey, they may well have bought other subsidary accounts, so if your agreement thorugh Debenhams was with the old abbey, then this woul explain their interest.

 

You would need to scan and post the document they sent you for others to look at in order to get solid advice as to your best course of action, use Photbucket, or TinyPic, but from what you have descibed if the T&C's are not on the same page as yours and their's signature then it 'may' be unenforceable.

 

But please scan and post it first to get further advice as to this..

 

Boo;)

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Would it be of any help if I told you that I signed the CA on 09/06/05?

 

I've been doing a lot of reading lately and I've come across certain information that states: An agreement that is not properly executed and was signed before 2006 is not enforceable unless it has the debtor's signature and the prescribed terms in the same document.

 

Well, the agreement has what looks like my signature.

I'm unsure of what the prescribed terms are for a store card. I can only find them for a credit card.

In the agreement it has the credit limit, the total charge for credit and the APR.

 

Does the agreement not have to include:

 

A term stating the rate of any interest on the credit to be provided under the agreement and A term stating how the debtor is to discharge his obligations under the agreement to make the repayments which may be expressed by reference to a combination of any of the following:-

 

(a) Number of repayments

(b) Amount of repayments

© Frequency and timing of repayments

(d) Dates of repayments

(e) The manner in which any of the above may be determined or in any other way and any power of the creditor to vary what is payable.

 

There is no reference to any of those terms on the agreement.

 

Am I correct in thinking in absence of those terms will render the agreement unenforceable in court under s60 Consumer Credit Act 1974?

Edited by Nicola85
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I'm not clued up on store cards and CCA 1974,

 

However I am thinking that you should be able to request the CCA, this would be done by sending them http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/581-cca-request-letter

Along with a postal order for £1. And send it Recorded delivery.

 

Give them 14 days to respond, if they fail to produce the CA then you can place the account in dispute and legally withhold payment until such time that they do.

 

The letters you have sent them asking for this information, is taken from the American fair debt collection practices, so they will have no jurisdiction in the UK which is possibly why they have just given you a load of flannel.

 

It would be unwise to tell you to place the account in dispute already, as Ideally we would need to see the documents/agreement they sent.

 

I would be inclined to send them an English CCA request, then see what they come back with, if they say they have already sent you the agreement, then we should take it from there.

 

Boo;)

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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It's difficult to read but does it contain the following prescribed terms; Credit Limit (although this can say it will be determined at a later date), %APR, Repayment Terms, Right To Cancel?

 

Also have a read of; http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/105315-my-agreement-enforceable-useful.html

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Send them this;

 

Dear Sirs,

 

Account no xxxxxxxxxxxxxx

 

 

Re: my request under the Consumer Credit Act 1974

 

This account is in Dispute .

 

On xx/xx/2009 I wrote to xxxxxxxxx requesting that xxxxxxx supply me a true copy of the executed credit agreement for this account.

In response to this request I was supplied a document which did not comply with the requirements of the Consumer Credit Act 1974.

 

The document sent purporting to be a credit agreement does not contain all of the prescribed terms as required by section 60(1) Consumer Credit Act 1974. The Consumer Credit (Agreements) Regulations 1983 (SI 1983/1553) made under the authority of the “1974 Act” sets out what the prescribed terms are, I refer you to Schedule 6 Column 2 of SI 1983/1553 for the definition of what is required.

 

Suffice to say not all of the terms are present in the document

 

Since this document does not contain all the required prescribed terms it is rendered unenforceable by s127 (3) consumer Credit Act 1974, which states

 

127(3) The court shall not make an enforcement order under section 65(1) if section 61(1)(a)(signing of agreements) was not complied with unless a document (whether or not in the prescribed form and complying with regulations under section 60(1)) itself containing all the prescribed terms of the agreement was signed by the debtor or hirer (whether or not in the prescribed manner).

 

This situation is backed by case law from the Lords of Appeal in Ordinary (House of Lords) the highest court in the land. Your attention is drawn to the authority of the House of Lords in Wilson-v- FCT [2003] All ER (D) 187 (Jul) which confirms that where a document does not contain the required terms under the Consumer Credit Act 1974 the agreement cannot be enforced.

 

In addition should you continue to pursue me for this debt you will be in breach of the OFT guidelines, I draw your attention to the Office of Fair Trading’s guidance on debt collection

The OFT guidance which was issued July 2003 (updated December 2006) relating to debt collections and what the OFT considers unfair, I refer to page 5 of the guidance which states;

 

2.6 Examples of unfair practices are as follows:

 

h. Ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment.

 

I require you to produce a compliant copy of my credit agreement to confirm I am liable to you or any organisation, which you represent for this alleged debt, if you cannot do so I require written clarification that this is the case. Should you ignore this request I will report you to the Office of Fair Trading to consider your suitability to hold a credit licence in addition to a complaint to Trading Standards, as you will be in breach of the Administration of Justice Act 1970 section 40

 

Since the agreement is unenforceable and the default notice is non compliant, it would be in everyone’s interest to consider the matter closed and for your client to write the debt off. I suggest you give serious consideration to this as any attempt of litigation will be vigorously

defended and I will counter claim for all quantifiable damages

 

I respectfully request a response to this letter in 14 days

 

 

I trust this out lines the situation

Print name do not sign

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  • 4 weeks later...

I sent the letter cerberusalert so kindly posted. Thank you. I did recieve a threatening letter from Viking a week later, telling me to pay up or else. Around a week after that letter I recieved a letter from Santander stating that my agreement was enforceable and I must pay Viking the money I owe them. Anyway I read through the tiny terms and conditions they sent me and they do have all the prescribed terms only they have sent them seperate from the agreement that I signed. I'm not quite sure if they are from the original agreement I signed but thats up to them to prove. I have been reading up on the uk debt collection laws and found that even if the agreement I signed does have all the prescribed terms the agreement with the signature and the t&c's have to be on the same page if signed before 2007. So I'm going to send them another CAA request this time I've used the template on the forum. So I'll see what happens and If anyone has any advice in the meantime, I'm all ears.

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To be honest I've not read through this myself, but it may be of some use to you, I've clearly got it bookmarked for some reason?

 

Store Cards Market Investigation - Google Books

 

Once you have sent them the CCA request, thats it, no need to keep firing them off to any and every DCA that may buy the debt at a later date.

Keep us informed, and if they respond with it within the time limit or not.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I've taken another good look *with a magnifying glass* through the seperate Credit Agreement and the Terms and Conditions and it does seem to have all the pescribed terms. They are just seperate from eachother.

 

* On the front of the credit agreement it has a logo on the top saying that it is an Original.

 

* It has a heading in the pescribed form giving the nature of the agreement (Schedule 1).

 

Credit Card Agreement regulated by the Consumer Credit Act 1974.

 

* The name and adress of both the debtor and the creditor (Schedule 1).

 

* Financial Information (Schedule 1).

 

Repayments, Rate of Interest and the Credit Limit.

 

The Rate of Interest and the Credit Limit is on the Credit Agreement the Repayments are in the Terms and Conditions.

 

* It has a statement of your rights (Schedule 2).

 

YOUR RIGHT TO CANCEL.

Once you have signed this agreement, you will have a short time in which you can cancel it.

 

* It has a signature box in the pescribed form (Schedule 5 ).

 

Signed by me.

 

This is a Credit Agreement regulated by the Consumer Credit Act 1974. Sign it only if you want to be legally bound by it's terms.

 

Signature (s) of Debtor (s)

 

Date (s) of Signature (s)

 

Anyway it a looks legally enforceable to me. As I say the Credit Agreement and the Terms and Conditions are seperate.

 

To be quite honest it has all gone to far now and I can't afford to pay the full ammount that Viking Collection LTD want from me. So I'm not quite sure what to do now. Should I write anymore letters to them? Or should I start negotiating payment with them. Thanks for all your help.

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Hi, Nicola.

 

Are there any charges you could re-claim ?

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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What I mean is I can't afford to pay the £850 that Viking want. I've tried negotiating and they are having none of it. It's the full ammount or nothing. So I'm not quite sure where I stand. Should I expect Court papers?

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You've made an offer, it's up to them whether they accept it or not. Make it clear that it's all they're going to get. You pay what you can afford, not what they say. I wouldn't worry over much about court, it's pretty rare.

 

Is there no way that you can get access to a scanner? It's quite possible that there are all kinds of things wrong with the agreement, but we need to have a look.

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I've had a good look through other peoples Credit Agreements and I've noticed that on my Credit Agreement on the left hand side of my signature

 

The writing says:

 

Financial Details

The Financial and related particulars shall be set out in Section 7 of the terms and conditions on the back of this agreement. The inital rates of interest and APR will be set out in the highlighted section of the table at section 7.1 we may, however review the facilities with the card and at our disscretion, we may change the rate of interest (and APR) to those indicated in one of the other rows of this table.

 

In other peoples Credit Agreements it has the pescribed terms under KEY FINANCIAL INFORMATION within the signed agreement.

 

In my Credit agreement the pescribed terms like the repayments are under section 7 of the terms and conditions and not within the signed agreement. Neither is The right to cancel box or the your rights box.

 

Can anyone shed some light on this or is it still correct to have them in the terms and conditions?

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I've also noticed just above my signature on my Credit Agreement which confuses me. It says:

 

You also confirm that all the details you have given to us are true and complete, that you are 18 years of age or over and that the details may be verified.

BY SIGNING THIS APPLICATION FORM YOU CONFIRM THAT IT HAS BEEN COMPLETED AND SIGNED BY YOU IN A DEBENHAMS STORE.

 

I thought it was a Credit Agreement I was signing but on reading that it says to me that all I have signed is an application form. Now I'm confused.

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I would if I could I don't have a scanner and I don't know anyone else who does either.

 

I took the picture with my mobile phone camera and it does not have macro mode. I don't own a digital camera either. So I'm pretty much stuck. Thanks for your opinion though.

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