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    • 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
    • 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.
    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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..... in your choice of words when posting on the site.

 

I have just seen another posting in one of the bank threads that has been edited by a mod for the use of the word "stolen"

 

The word stolen implies that the banks have comitted a criminal act in taking the charges and this is not the case. The issue is one of civil and not criminal law and use of words that suggest criminal activity could result in a claim for libel against the owners of this site. Not a nice thought. Bankfodder and Dave have taken a lot upon themselves to get this thing going, not to mention the mods and site helpers who have enough to do without dealing with stupid comments, even if they are made out of ignorance.

 

Sorry for the rant but it would be a shame to see the site go pear shaped because of the misguided activities of a few people. We are all disgruntled bank customers so lets work together without giving them any ammunition to fire back.

 

Paul

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Advice given is either my experience or my opinion and is given without liability. If in doubt, consult a qualified professional.

If you PM me for advice I will only reply in your own thread

 

Never under estimate your ability. I won over £17,000!

For the full story - look here

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/17630-thecobbettslayer-NatWest.html

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Well said!! :oops::razz::);):-o:D

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Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Just to add that it is my personal belief that some of the banks have committed offences under the theft act. The problem is is we would have to prove it to be able to defend a libel action. Unfortunately this would be virtually impossible.

 

We don't seem to be very popular with the banks (I wonder why) and the banks are likely to try and use any method possible to shut us down. This is likely to take the form of either bribery (Won't work), or litigation against the site for something.

 

Please please please do not use the words theft, thief, thieve, stole, stolen, robbing, robbed, robbers in any posts on the forum. If you see any such posts can you please PM a moderator.

BEFORE starting your claim read through the FAQ's and if there's something you aren't sure of then ask.

If you win, donate to this site

Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.

 

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Just to add that it is my personal belief that some of the banks have committed offences under the theft act. The problem is is we would have to prove it to be able to defend a libel action. Unfortunately this would be virtually impossible.

 

Indeed. The good faith belief we all share that the bank are "stealing" is not a defence. Even truth is not an absolute defence to libel if what is said is still defamatory.

HSBCLloyds TSBcontractual interestNew Tax Creditscoming for you?NTL/Virgin Media

 

Never give in ... Never yield to force; never yield to the apparently overwhelming might of the enemy. Churchill, 1941

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Guest Scarletrose

Thanx guys this has been really informative especially for a newbie like me, i'm glad i spotted this thread and read thru it, i just hope other newbies will do the same, i will endeavour not to make any mistakes, you never know who could be reading thru these.

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..... in your choice of words when posting on the site.

 

I have just seen another posting in one of the bank threads that has been edited by a mod for the use of the word "stolen"

 

The word stolen implies that the banks have comitted a criminal act in taking the charges and this is not the case. The issue is one of civil and not criminal law and use of words that suggest criminal activity could result in a claim for libel against the owners of this site. Not a nice thought. Bankfodder and Dave have taken a lot upon themselves to get this thing going, not to mention the mods and site helpers who have enough to do without dealing with stupid comments, even if they are made out of ignorance.

 

Sorry for the rant but it would be a shame to see the site go pear shaped because of the misguided activities of a few people. We are all disgruntled bank customers so lets work together without giving them any ammunition to fire back.

 

Paul

I agree that people should be careful about what they type, but that is true in everything we say. However, the forum owners are not liable, under the law they are not considered as publishers, they are a neutral party and are not responsible for the posts of their users.

 

The very worst that can happen is they can receive a request to remove the "dubious" content, which they have the choice of whether or not to comply.

 

Just to clarify.

 

Paladine

Paladine vs Abbey (2 Accounts)

Steps Completed

S.A.R. Sent on 31st October 2006

S.A.R. Received 1st November 2006

Letter received from Abbey saying statements and microfiche on the way Received 20th November 2006

Received 14 copy statements for 1 account and 12 for another on 21st November 2006. Began prelim prep.

Request for repayment of fees and schedule of charges sent on 27th July 2007.

Next Action

LBA going out on 10th August 2007

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I agree that people should be careful about what they type, but that is true in everything we say. However, the forum owners are not liable, under the law they are not considered as publishers, they are a neutral party and are not responsible for the posts of their users.

 

Care to back that one up? Just that the precedent so far is that if you write an article in a magazine and someone cries libel, the victim is clear to sue you, your editor, your publisher, their distributors, and the retailers who sell that month's edition of the magazine. Successfully, I might add. As I recall, Demon Internet lost their case, filed a bogus appeal and settled.

 

The only way CAG might escape such a claim was if there were a notice somewhere saying almost no effort is made as to moderation, thereby denying editorial control, and liability. Even this is not a guaranteed defence.

HSBCLloyds TSBcontractual interestNew Tax Creditscoming for you?NTL/Virgin Media

 

Never give in ... Never yield to force; never yield to the apparently overwhelming might of the enemy. Churchill, 1941

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Forum owners are, indeed liable for the content on the forum as they are publishers. The little amount of statute law and all of the common law on libel were formed before internet publishing started. There has been relatively little testing of the issue in court as many have been settled before court but many lawyers agree that libel could be used.

 

Whether it would be provable in court or not, the owners of this site have decided to protect the interests of Reclaim The Right (the sites legal entity) by moderating potentially libellous comment.

BEFORE starting your claim read through the FAQ's and if there's something you aren't sure of then ask.

If you win, donate to this site

Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.

 

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Forum owners are, indeed liable for the content on the forum as they are publishers. The little amount of statute law and all of the common law on libel were formed before internet publishing started. There has been relatively little testing of the issue in court as many have been settled before court but many lawyers agree that libel could be used.

 

Whether it would be provable in court or not, the owners of this site have decided to protect the interests of Reclaim The Right (the sites legal entity) by moderating potentially libellous comment.

 

I have to disagree. ISPs and internet services are not classed as publishers, it is covered under ammendments to the telecommunications act and was specifically revised to prevent embarrassing and highly consequential losses in cases of child abuse/child pornography (an area I am somewhat of an expert in after working for many years with law enforcement around the globe tracking down and prosecuting child pornography traffickers who used the internet for moving their "wares").

 

Internet services and ISPs fall under a "Good Faith" clause. They are required to remove offending data from their networks if it is reported to them, if they fail to do so, they may be held liable, but no action may be taken until after a take down notice has been served and the "defendent" has failed to act.

 

As for the Demon argument mentioned above, which particular case was being referred to? Demon internet won the earliest ruling based around this premise many years ago when they were sued on the premise that they were publishers of works which were infringing copyrights on their "usenet" service. It is this single ruling which still protects ISPs to this day for not filtering illegal content off their usenet servers.

 

Paladine

Paladine vs Abbey (2 Accounts)

Steps Completed

S.A.R. Sent on 31st October 2006

S.A.R. Received 1st November 2006

Letter received from Abbey saying statements and microfiche on the way Received 20th November 2006

Received 14 copy statements for 1 account and 12 for another on 21st November 2006. Began prelim prep.

Request for repayment of fees and schedule of charges sent on 27th July 2007.

Next Action

LBA going out on 10th August 2007

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As for the Demon argument mentioned above, which particular case was being referred to? Demon internet won the earliest ruling based around this premise many years ago when they were sued on the premise that they were publishers of works which were infringing copyrights on their "usenet" service.

 

That's copyright. We're referring to libel. You're looking for the Laurence Godfrey case.

HSBCLloyds TSBcontractual interestNew Tax Creditscoming for you?NTL/Virgin Media

 

Never give in ... Never yield to force; never yield to the apparently overwhelming might of the enemy. Churchill, 1941

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I have to disagree. ISPs and internet services are not classed as publishers, it is covered under ammendments to the telecommunications act and was specifically revised to prevent embarrassing and highly consequential losses in cases of child abuse/child pornography (an area I am somewhat of an expert in after working for many years with law enforcement around the globe tracking down and prosecuting child pornography traffickers who used the internet for moving their "wares").

 

Internet services and ISPs fall under a "Good Faith" clause. They are required to remove offending data from their networks if it is reported to them, if they fail to do so, they may be held liable, but no action may be taken until after a take down notice has been served and the "defendent" has failed to act.

 

As for the Demon argument mentioned above, which particular case was being referred to? Demon internet won the earliest ruling based around this premise many years ago when they were sued on the premise that they were publishers of works which were infringing copyrights on their "usenet" service. It is this single ruling which still protects ISPs to this day for not filtering illegal content off their usenet servers.

 

Paladine

 

 

This may or may not be true, however, even to defend a libel case would put us out of business. We simply couldn't afford to defend and we'd have to go bankrupt - and that means the site would be out of operation for an indefinite period. It's simply not worth taking any risk with.

 

We were threatened about 1 month ago, and we duly amended the offending post and the complainant seemed happy with that - for the time being. It may seem like we're stifling 'free speech', although free speach does not truly exist in the UK (I did consider using a US hosting company which would have *fixed* the problem of libel/defamation etc...).

 

Incidently (and very off topic) how did you get into chasing down the **** that peddle child porn? I'd love to track them down and make sure they got what they deserved - although I'd probably be too emotionally involved and lose my rag with them if I ever met one!

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This may or may not be true, however, even to defend a libel case would put us out of business. We simply couldn't afford to defend and we'd have to go bankrupt - and that means the site would be out of operation for an indefinite period. It's simply not worth taking any risk with.

 

We were threatened about 1 month ago, and we duly amended the offending post and the complainant seemed happy with that - for the time being. It may seem like we're stifling 'free speech', although free speach does not truly exist in the UK (I did consider using a US hosting company which would have *fixed* the problem of libel/defamation etc...).

 

Incidently (and very off topic) how did you get into chasing down the **** that peddle child porn? I'd love to track them down and make sure they got what they deserved - although I'd probably be too emotionally involved and lose my rag with them if I ever met one!

 

I am not disputing your entitlement to moderate and certainly don't see it as censorship, this board is your property you can do with it as you wish. We are given the priveledge to use it, nothing more. I was merely trying to point out that internet services and ISP are covered under "Good Faith" so long as they act on offending material once it has been brought to their attention. I agree, the last thing you want to do is spend a lot of time dealing with written complaints, you offer much more to the community here on other fronts, and having to divert attention to such matters would inevitably effect the quality of this community.

 

As for my work against child pornography, its a long and very personal story and probably not appropriate for these boards. It is incredibly difficult to remain objective in such endeavours, but at the same time, it is incredibly important. The second you allow it to become subjective, you are unable to do your job effectively and it can cause severe damage emotionally, as you can probably imagine.

 

I eventually moved away from it as my objectivity was starting to get shakey and the risks involved, had I let it become a persona crusade, to me, and my family, would have been very high.

 

Paladine

Paladine vs Abbey (2 Accounts)

Steps Completed

S.A.R. Sent on 31st October 2006

S.A.R. Received 1st November 2006

Letter received from Abbey saying statements and microfiche on the way Received 20th November 2006

Received 14 copy statements for 1 account and 12 for another on 21st November 2006. Began prelim prep.

Request for repayment of fees and schedule of charges sent on 27th July 2007.

Next Action

LBA going out on 10th August 2007

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I think we are getting away from the original point that I was making and debating the legal issues isn't really necessary.

 

If all forum users refrain from using any language that could be construed in any way as libellous, the legal arguments don't arise and the site owners will never have to be tested in court.

 

It's that simple really!

Advice given is either my experience or my opinion and is given without liability. If in doubt, consult a qualified professional.

If you PM me for advice I will only reply in your own thread

 

Never under estimate your ability. I won over £17,000!

For the full story - look here

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/17630-thecobbettslayer-NatWest.html

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well I just came across a post which made a libellous comment about the bank, and reported it, however I decided afterwards to do a search on the word 'thieving' and, as it is so often misspelt - 'theiving'. Numerous posts came up and I wondered why the mods aren't doing searches such as this themselves to delete the offending words?

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Could also use the word censor for more obviously libelous words like thieving etc..probably not on stolen though as it may be used in a different context in some threads...

25/06/08 - NatWest - Prelim letter

09/03/06 - Halifax - Settled 27/4

22/03/06 - Capital One - Settled 24/6

17/04/06 - Nationwide - Settled 8/9

 

 

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I wondered why the mods aren't doing searches such as this themselves to delete the offending words?

 

Site Helpers do a lot of searching for liable wording, as well as welcome newbies, as well as give guidance on the site, the wording you found is more than lately what has been written after an approx 50 that could have been edited in any 24 hours, the links you have viewed may well be on a list now waiting on editing tomorrow.

 

This is an on going job it doesnt stop, as long as there are posts there are checks being made. have you stood back an looked at the size of this site lately its massive....

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Could also use the word censor for more obviously libelous words like thieving etc..probably not on stolen though as it may be used in a different context in some threads...

 

Robbing , Robbed, thieving, stolen.

All come under. Insurance threads, car threads, jokes. :(

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Site Helpers do a lot of searching for liable wording, as well as welcome newbies, as well as give guidance on the site, the wording you found is more than lately what has been written after an approx 50 that could have been edited in any 24 hours, the links you have viewed may well be on a list now waiting on editing tomorrow.

 

This is an on going job it doesnt stop, as long as there are posts there are checks being made. have you stood back an looked at the size of this site lately its massive....

 

hi breadline, this wasn't an attack on the mods or site helpers, or saying that they don't help in the other ways you've pointed out, and I can't see why you jumped on it as such. I was merely wondering if this kind of search went on already and attempting to offer some constructive help with the situation. The posts I saw were not that recent but I have reported them anyway.

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Bong if that was a jump on you hun you would be flat right now, and it would of contained many of these!!!!!!!!!!!!!!! and many of these ABCDEFG and many of these:mad: :-x so im confussed :confused: where is the post inany way as you discribe, i may of omitted one of these :):D:p so there have 3 and a chill pill

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