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    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
    • To which official body does one make a formal complaint about a LPA fixed charge receiver? Does one make a complaint first to the company employing the appointed individuals?    Or can one complain immediately to an official body, such as nara?    I've tried researching but there doesn't seem a very clear route on how to legally hold them to account for wrongful behaviour.  It seems frustratingly complicated because they are considered to be officers of the court and held in high esteem - and the borrower is deemed liable for their actions.  Yet what does the borrower do when disclosure shows clear evidence of wrong-doing? Does anyone have any pointers please?
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Cabot CCA return for old Sky Card - help


mrsimmo189
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tell us the full story please

 

 

is this on your credit file?

 

 

is it defaulted?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi

 

I have been in DMP for over five years with this debt on my credit file

and have been paying regular small amount each month,

 

the debt was originally Sky Card and then went over to Barclay card although sold on to Cabot.

 

I have been trying to source a copy of the credit agreement and

 

today I received a copy from Cabot of Barclay Card terms and conditions

and Sky card Terms and conditions although no signature is present on any of the conditions.

 

Additionally today from Cabot

I received a letter stating that a debt they purchased from LLoyds will now not be pursued

due to the fact Lloyds are unable to provide relevant document or information.

 

However they say I must not be confused or misinterpret this as a write off of the outstanding balance to this account

and the debt legally remains so therefore Cabot will continue to report to the Credit Reference Agencies accordingly ?

 

Any advice will be greatly recieved on both counts

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so bottom line is they are stuffed

 

 

stop payments

 

 

they've been cash cowing you.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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What do I do stop both companys and not pay either

 

 

should I send another letter to Cabot to clarify that what they have sent is not sufficent then

 

 

and that as they have not supplied my signature they are at default.

 

 

This is so confusing although there is now some light at the end of the tunnel

xxx

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you do nothing more

 

 

no cca = no pay

 

 

end of.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi Mrsimmo and welcome to CAG

 

If you want to discuss the Lloyds a/c, start a new thread and use this one just to discuss the BC a/c.

 

Is this a fee-paying DMP or a free one. If you pay any fees, you should stop using the DMC and pay direct to those that you need to.

 

As you've been paying off these debts over the past 5 years, they will drop off your CRA files in a year or so.

 

Re the BC a/c, were there any Penalty Charges or PPI added to the a/c. If so, you can reclaim these to reduce the balance owed. Also, with Penalty Charges on a BC a/c, we recommend claiming compound interest which can greatly increase the amount you get back.

 

If you don't have your a/c statements for the a/c, you can get this info with a SAR.

 

:-)

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the lloyds debt is dead

 

 

 

 

when did you take the sky card out

if it was before apr 2007

then they MUST hold the signed agreement

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Coniff

 

You Say that this is still binding however dx says that not to pay any more can you clarify please on Cabots reply regarding my Sky/Barclay card

xx

A recon agreement Must have:

 

 

The Ts &Cs at the inception of the agreement and those at closure.

Your name and address at inception and the Creditors name and address at inception so Must be that of the original card provider.

 

 

Any docs mentioned in the Ts & Cs

And a current statement of the account signed and date by the company.

 

 

Without these the recon fails to meet the CCA request.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hi

 

 

with regards to the Sky Card this would of been well before 2007

 

 

does that make a difference then to the situation ?

 

 

It has printed at the top of the condition page on both sky and barclay card

my name address

 

 

however no signature on either documents

 

Thanks

xx

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then anyone wishing to goto court must have the signed copy

 

 

if they ain't got that

 

 

they don't get any money till they do.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi

 

 

with regards to the Sky Card this would of been well before 2007

 

 

does that make a difference then to the situation ?

 

 

It has printed at the top of the condition page on both sky and barclay card

my name address

 

 

however no signature on either documents

 

Thanks

xx

Signatures are not needed on recons, however if this agreement was signed prior to April 2007 the original agreement is needed.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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On the terms and conditions there is no date as to when the card was signed for

 

 

however on the top of the conditions of the Sky agreement terms,

there are 3 sheets,

one of them has a date on the top of the sheet 18/07/07

the next has date 20/01/07

 

 

by this I would conclude that the card was prior to April 2007

 

 

do I need now to clarify when this card was started

 

 

then insist on a copy of agreement with a signature

 

 

Thanks for your help on this matter

 

xxx

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As above. STOP PAYING. They have said they dont have the paperwork, yet they are trying to bluff you into paying. It doesnt matter what they say or threaten. They know very well that no paperwork means no money for them.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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On the terms and conditions there is no date as to when the card was signed for

 

 

however on the top of the conditions of the Sky agreement terms,

there are 3 sheets,

one of them has a date on the top of the sheet 18/07/07

the next has date 20/01/07

 

 

by this I would conclude that the card was prior to April 2007

 

 

do I need now to clarify when this card was started

 

 

then insist on a copy of agreement with a signature

 

 

Thanks for your help on this matter

 

xxx

 

 

nope you do nothing more

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Coniff

 

You Say that this is still binding however dx says that not to pay any more can you clarify please on Cabots reply regarding my Sky/Barclay card

xx

 

 

dx is the one you should be taking notice of mrsimmo, he is the expert in this department. I will remove my post.

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On the terms and conditions there is no date as to when the card was signed for

 

 

however on the top of the conditions of the Sky agreement terms,

there are 3 sheets,

one of them has a date on the top of the sheet 18/07/07

the next has date 20/01/07

 

 

by this I would conclude that the card was prior to April 2007

 

 

do I need now to clarify when this card was started

 

 

then insist on a copy of agreement with a signature

 

 

Thanks for your help on this matter

 

xxx

 

 

What you have received May just satisfy a CCA request, if the agreement was signed prior to April 2007 the original signed agreement is required to enforce payment via the courts.

 

 

Can you conclude that these " terms and conditions " are complete?

 

 

Personally I would think the dated sheets are in the wrong order, if so yes it is prior to April 2007, it would help if you could post copies with personal data redacted here so we can see what you have.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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HOW TO UPLOAD DOCUMENTS / IMAGES ON CAGi

IMMEDIATELY YOU DO NOT NEED 10 POSTS

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IMPORTANT To protect your IDENTITY and ensure you remain ANONYMOUS on CAG

YOU MUST ensure that you REMOVE all Personal Information including Barcodes, Names, Addresses etc

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ENSURE: To leave all Monetary Figures and Dates.

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DO NOT USE A BIRO, PEN, SEE THRU TAPE OR LABELS TO EDIT THE INFORMATION

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1. SCAN YOUR DOCUMENT

.

- Set your default scan page size to A4 less than 300 DPI (150 will do)

- Scan the required letters/agreements/sheets - as a picture (jpg) file

- Don't forget you can use a mobile phone or a digital camera too!!

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- If you have multiple scans/pictures please put these into a WORD DOC first ensuring you have removed all Personal Information before converting to PDF.

.

- IPHONE ONLY: Take a picture and Convert to PDF via an APP

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2. HOW TO EDIT (Remove Personal Information)

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- Do this using MSPAINT.EXE or any Photo Editing program and ensure to save the document.

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3. HOW TO CONVERT YOUR DOCUMENT TO PDF

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OR Go to one of the many free online pdf converter websites:

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- http://freejpgtopdf.com/

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- http://www.primopdf.com/

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PLEASE REMEMBER: It would be better to upload a Multi-page PDF rather than multiple Single PDFs.

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4. BEFORE UPLOADING YOUR DOCUMENT ON CAG

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IMPORTANT To protect your IDENTITY and ensure you remain ANONYMOUS on CAG please ensure that you do a final check that all Personal Information including Barcodes, Names, Addresses etc. are REMOVED before carrying out the NEXT STEP

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5. HOW TO UPLOAD YOUR DOCUMENT ON CAG

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- In your Thread/Post open a new msg box here.

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- Click 'Upload Files'.

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- You DON’T have to put a link to the attachment in the msg box just upload it ……… JOB DONE

- You can click on your links to check them too!!

.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Good Day

 

 

I have tried to scan etc etc my documents and followed above instructions but somehow got completly messed up converting to this and that

 

I have today received from RBS a copy of credit card agreement that I had with them with my signature

however there are no dates as to when the account was opened

do I just accept this now.

 

 

As I have been paying into a DMP since 2008 do I now cease paying them a

nd wait for the wolves to appear at my door again with regards to Sky/Barclay and LLoyds

 

 

although LLoyds have admitted they are unable to trace copy of agreement

 

 

and Sky/BArclay have supplied reconstituted copy with no signature.

 

Thanks for any clarification

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you ideally need to be making a thread for each 'debt'

in the named bank forum

off the top main forum tab.

 

 

did you get T&C's of the correct date with the RDB one?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

use this thread for the sky card

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I have a copy of the t & C from Cabot who now have this debt on Sky/Barclay card

 

 

however no signature is evident on any of the documents and

 

 

as I stated previously I believe this to have been started prior to April 2007.

 

 

Do I ring my DMO and now argue with them about any more payments for this debt or any other that I have dispute.

 

Help

 

xx

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nope you do nothing more

 

 

stop thinking these people have any legal powers

they are NOT BAILIFFS.

 

 

until/unless they provide a signed agreement if its pre apr 2007

 

 

they are stuffed and they know it

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Which DMC is helping you service your debts and is it a free service or do you pay fees.

 

Depending on which DMC you're using, they may not agree to stop servicing just one debt and may insist that you continue to service ALL creditors on a pro-rata basis.

 

However, you could simply stop using the DMC and continue to pay those creditors that you choose.

 

Can you have another look at post #7 and answer my Q's about PPI and penalties.

 

:-)

Edited by slick132

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