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  1. Dear all, I have found these forums an excellent resource and would like to thank all the contributors! I hope I am posting in the right subsection of the forum. I have posted back in Feb 2012 when Halifax registered defaults. I complained to the FOS. The outcome was an apology, £500 in compensation, about £250 in costs and about £2000 to accout for the additional cost a higher mortgage rate over 2 years. I as satisfied with this and moved on. However problems have continued but with other companies piggybacking on the link Halifax/NatWest created. Most I have dealt by writing strongly worded letters and forwarding previous correspondence/experience with the banks. However CapQuest and Arrow Global have been stubborn and I still have two defaults from CapQuest which do not belong to me. They have conceded that a mistake has been made but have failed to amend the records on one CRA. I again sought review from the FOS who advised them to amend the data and offer me £200 in compensation. They have still not amended the data. I spoke to a Solicitor who quoted £2500 just to start looking at the case and issuing the initial letters to the companies involved! I have now gone on to issue a Claim via MCOL. Please see attached document. I now feel I should have sought some help here before pressing the button and going ahead with this as I have just pain £980 in court fees, having no legal background. I think this was more out of frustration. I will try and update this as I go along. Thanks for all your help CapQuest for CAG.pdf
  2. I won't go into details, but 10 years ago i was in financial straits and ended up with a ccj for a personal loan. i offered, and the court accepted a payment of £10.00 per month. as i began to get straight i voluntarily increased this to £20.00. hoping to clear it quicker. the loan company( universal credit) was then taken over by paragon finance who continued to accept the £20.00. I have received a letter from them saying it had been passed on to another company. the letter they sent me showed a balance owing of nearly £6,000. as the original ccj was for only £3,000 and i have always paid every month, i can only assume they have been charging me interest, without informing me. Are they within their rights to do this? is there anything i can do about it? by the way, the new company want me to take out a secured loan to pay them off.
  3. Hi everyone at CAG I received a claim form from Dryden’s Fairfax solicitors acting for a collection agency called arrow ltd the letter dated 10th October about a credit card I had with Sainsbury’s bank I took out in 1998, I took the claim form to the CAB on 4th November to help me, the CAB contacted the court and was told no judgement had been made yet by Dryden’s, CAB rang Dryden’s and spoke to them and told them I wanted to send the admission form and set up a monthly payment, but I said all correspondence must be done only by letter, the person who was speaking to CAB on the phone asked us to wait and she will speak to her supervisor, she came back on the phone and said they were pushing the CCJ through to which CAB was surprised, I received a CCJ a week later. I had been keeping up my payments with Sainsbury’s until I got into difficulties in 2008 and asked to pay less and agreed a plan with them, I fell into more difficulties and asked to make a lower payment I was told by Sainsbury’s my debt was being passed to a debt collection service, I protested at this because I said the debt was between me and Sainsbury’s to which I was told the interest would be frozen by using a debt agency. I cannot remember receiving a default letter at all, but I was moving around a lot, I set up payment plans with debt collection agencies when they had contacted me. I found out my debt had been sold on a couple of times, I made most of my payments by debit card, some payments were made at banks across the counter, two payments were missing on the statement I saw (because yet again my debt had been sold to another agency) I have one receipt I found. I stopped paying because I fell ill and was trying to claim benefits and the lovely pips (which I got a year later), I do think I paid ppi in the early part off having a credit card with Sainsbury’s. Any advice would be much welcomed please.
  4. Afternoon Folks, My wife in the post this afternoon has received a County Court Claim Form from Arrow Global/Restons Solicitors and despite reading the forums, I'm a bit stumped on how to proceed. I've attached images of the whole claim form(minus personal information) and also an image of the particulars of claim(which I think is statute barred). My wife has never heard from them until recently and has never responded to them, the Claim form is addressed in her maiden name despite us being married 4 years. Could I have some help on this if possible please. &
  5. Hi First post here. I have an old debt with Egg from around 2000 for roughly £2900. I was on a CAB plan paying £1 token payment for a while at the time but stopped paying , I never heard anything for years and now Capquest own the debt . I think I might remember paying them £10 a month 3-4 years ago for a while but due to financial hardship stopped paying. Though I cant be certain on this as I cant seem to find any details at the moment. They have recently sent me letters again and have refered it to Drydens Fairfax who have given me to the 30th Nov to offer a payment proposal otherwise court action. Which means I`ll have to send them a ltter either today or tomorrow .What should I do , offer £5 a month or something or play hardball. I don't really want a CCJ as I already have one from Drydens at £10 a month for another card debt. I wish I had know of the Statute Barred act before I may(possibly) have paid Capquest 3-4 years ago as it was probably unenforceable back then. thanks Tired and Weary
  6. Hello all. I have debts that are approaching 6 years old (next March - 2016), from credit cards. I defaulted during the crash as I was made redundant and career effectively ended. I went into default immediately after a period of hassling from creditors I moved house a couple of times (to chase work) and the hassling died down to a trickle. Now suddenly I have a letter threatening CCJ if I don't pay the full amount (near 10k) in two weeks. It looks serious to me too; I've not had a letter like this before. What can I do? I've put a little money aside (around £3k) which I could try to use to keep them off my back, but that would then acknowledge the debt and I'm so close to the 6 year statute bar. And would this satisfy them or just give them the taste of blood? If I send a CCA letter will this put the CCJ action on hold? Any help gratefully accepted. chris
  7. Good morning all, I have a question, I have been utilising the information on this group, to try and fight Restons, to no avail. They were awarded judgement by default, due to my stupidity, I asked them to prove I owe them the money, they never replied, and then the date to submit a defence passed. I then asked for it to be put aside and used a defence, stating that they have failed to provide me information to defend against. Today I had a letter saying my application to put aside has been dismissed. What do I do now? Thanks for any help. Andy
  8. On 29 September 2015 I received a Civil Bill for £17,091.52. this was for an outstanding amount on an MBNA Credit Card which i am unable to pay The Credit Card agreement apparently commenced on 20/09/2008 and defaulted on 01/11/2011 at this time the balance was£19,705 In January 2010 i sought advice from Citizens Advice and came to an arrangement with MBNA to pay £187 per month and had the interest and charges froxen MBNA wrote to me on 22/11/2011 and advised that my credit agreement had been terminated. Received phone calls from Arden Credit Management demanding that i pay the full balance or increase my monthly repayment substantially, the Account Balance at this time had reduced to £16,906 Correspondence started to be received from Arden Credit Management, followed by numerous phone calls which i blocked. I did not reply to any letters and refused to accept any calls. Arden were apparently instructed by Moorgate to recover this. Next harassment by phone and mail was from Wescot Nelson Guest and Partners Solicitors now make an off the pay £12,679 to settle the matter Hundreds of call follow fro Moorgate and Wescot along with regular letters. 25/01/2012 Moorgate advise that my account is now owned by Britannica Re Recoveries S.a.r.l , 12/11/2012 Moorgate advise me that my account has been purchased by Arrow Global Guernsey the next paragraph is important for later "The transfer assigns all of Moorgate Loan Servicing's rights as owner to Arrow Global, which has agreed to perform all the obligations of Moorgate Loan servicing under the terms and conditions of your MBNA credit card agreement. The terms and conditions of your credit card agreement will therefore not be affected by this transfer" Correspondence and call continue fro Arden and Resolvecall Arrow Global advise the Shoesmiths will manage my account Continuous letters from them asking for repayment and personal financia details, none replied to Remember the important paragraph earlier!!!!! on the Civil Bill it adds on top of the amount owed "The Plaintiff further claims interest at the rate of 8% per annum in accordance with Article 45A of the County Courts (northern Ireland) Order 1980 on the amount of £16908 from the date of assignment of the debt to the Plaintiff being 31/10/2012 to 25/09/2015 in the sum of £3,918, being 1059 days at a daily rate of £3.70 and continuing at said rate to the date of Judgement or earlier repayment"l The terms and conditions of my cred agreement were to be altered, so how can they claim interest as well. I had never been notified that interest was being added. I have 21 days to defend these proceedings I hope i have given full details So what do i do next, help will be greatly appreciated
  9. Hello, I received letter from Arrow global debt, I was shocked to see that it was a refund letter. I thought it was a debt letter, when I phoned, I found out that I had over paid a debt, in 2014 to west scot, the amount to be refunded £325.72 and additional good will interest of £15.74 = £341.46. I received this letter on 15th August 2016, first I checked it out Arrow global, because I never heard of them before. I phoned, I was asked did I want the money put into my account or send by cheque,. I requested a cheque. then I was told there was a backlog to receive this cheque. I have waited 11 weeks, I phoned again, then got told there was no back log. I emailed them on the 29th October asking if this can be resolved. I asked how many more months do I have to wait before the cheque is sent out. I got no answer, I phoned, I was told they sent out a letter on 31st October, that I should have received it. I asked what the letter says, they told me that it can take up to 4 to 6 weeks to get the cheque. this will take up to 12 of December. I now beginning to not believe them, I think, they are no going to send out any cheque. is there away I can get round this?
  10. I had an aqua credit card, which I did stop paying last year. Before I was able to come to an agreement, they sold the debt. I have sort of ignored them, but I did speak to them on the phone several weeks ago, well Restons their solicitors, and I did say I wasn't prepared to discuss anything over the phone at that time, but they did agree to send me a letter with a repayment proposal/my expenses. This did not happen. I have been looking after my sister who recently had an op and came home to a letter from The letter from Northampton Courts, which I opened today. I have until tomorrow to respond. states that the claimant(Arrow Global) claims payment of the overdue balance due from the defendant under a contract between the defendant and New Day Ltd dated on or about Jul 17 2013 and assigned to the claimant on Feb 22 2016. Do I admit to the debt or fight it. Thanks in advance
  11. Filed a claim against me last year for an old MBNA credit card debt. I went down the route of filing a defence and requesting all of the documention, which they eventually managed to produce but not before the claim was stayed. In light of this I wrote offering a token £1 per month payment to hopefully avoid them proceeding further with the claim (I'm currently being supported by my partner and have no official income). They have responded to this by sending out a four page financial questionnaire including a payment offer sheet. I'm wondering how to respond to this. Not happy about giving them the level of information they are asking for, nor my partner's employment details. However my main priority is to avoid further court action. Any ideas/advice on how best to handle this would be most welcome.
  12. Hi – wonder if you guys can help. I have acknowledged on line with Moneyclaim – and now need to prepare a defence… Name of the Claimant: Arrow Global Limited Date of issue – 26TH July 2016 Defense due: 25th August 1.The claimant claims payment of the overdue balance due from the defendants under a contract between the defendants and orange dated on or about October 2010 and assigned to the claimant on December 2012. Default balance £439.63 Court fee £35.00 Legal fee £50.00 What is the value of the claim? £524.63 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? MOBILE PHONE ACCOUNT When did you enter into the original agreement before or after 2007? AFTER 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. DEBT PURCHASER Were you aware the account had been assigned – did you receive a Notice of Assignment? NO Did you receive a Default Notice from the original creditor? Not sure Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? NO Why did you cease payments? I only remember I wanted to cancel the contract – and discussed with them – but cant remember why or what happended? What was the date of your last payment? August 2011 I think Was there a dispute with the original creditor that remains unresolved? Only in trying to cancel the contract – I seem to recall I wanted to cancel and had to wait 1 month until the year was up. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? NO Do I need to request a SAR from orange and a CPR31.14 FROM Arrow? In the meantime how would I prepare my defence?
  13. To cut a very long story short, my husband and I have clawed our way out of debt over the years and now I at least have a decent credit rating again. However, there's one glitch on the horizon. We keep receiving letters from Moorcroft about an alleged debt belonging to their clients, Arrow Global. We CCA'd Moorcroft with the usual Postal Order. They sent this back, despite having filled it in so we can't cash it, stating that they have returned the debt back to Arrow Global. A few days later we received a letter from some solicitor acting on behalf of Arrow Global stating that our CCA request wasn't legal as my husband hadn't signed it. We are very reluctant to sign anything, so can we request the information over the phone? We have received several of these letters and have now received a notification that they are taking us to court. What can we do?
  14. Hi Everyone I received a County court claim from restons solicitors on behalf of Arrow global for an old egg loan. I sent a CPR 31.14 request to restons and a CCA request to Arrow global. I haven't heard from Arrow global yet however Restons solictors have sent a reply refusing to comply with the CPR 31.14 request stating that i would have been provided with a copy of the contractual terms and conditions at the time the account was opened hence they see no reason why i would now require an additional copy and also the other documents i have requested are not mentioned in the particulars of claim and therefore CPR 31.14 (1) does not apply. Should I wait until I hear again from them or should I send another response to them. Many thanks for all your help and advice.
  15. In order for us to help you we require the following information:- Claimant: Arrow Global Limited Issue date 9 / 8/ 2016 What is the claim for – 1.The claimants claim is for the sum off £9500 being monies due under a regulated agreement between the defendant and MBNA europe and assigned to the claimant on **/11/2015 notice of which has been provided to the defendant . 2. The defendant has failed to make a payment in accordance with the terms of the agreement and a default notice has been served pursuant to the consumer credit act 1974. 3.The complainant claims the sum of £9500 4. C has complied as fas as is necessary with the pre action conduct practice direction . What is the value of the claim? £9500 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Credit Card When did you enter into the original agreement before or after 2007? in 2003 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. - Arrow Were you aware the account had been assigned – did you receive a Notice of Assignment? No Did you receive a Default Notice from the original creditor? Not aware of this Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? Not sure What was the date of your last payment? Dec 2012 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 managementicon plan? No Hello Received the above claim on 12 8 2016 ,I was unaware of this debt until i received the paperwork , I was not living at my address for 2 years as i was renovating it and moved back in april 2016 . I was receiving post there but dont recall and default notices . Any help would be much appreciated Thanks
  16. Hi all wondering if anyone could shed some guidance please? In 2009 I took out a mobile phone contract with Orange. I paid my bills as normal, however in 2010 may/june (iirc). I went on holiday to Turkey for 2 weeks. I used my phone whilst i was abroad for calls only maybe a touch of data (wifi was free). When my next bill came in, it was for £1190ish. I immediately rang orange, complained and demanded a full breakdown. I was told that the bill was for a few calls, txts and alot of data. I was adamant that there was no way i had used that amount of data and requested a full breakdown of data usage. I was told that it was impossible for them to do and my bill is my bill. I left on the note that they can stick my contract and I shall not be paying. Soon after, (early 2010 iirc) I received a letter from Arrow Global saying they had taken over the debt. I immediately rang them and informed them of what had happened and that i wouldnt be paying until I had a full breakdown. Ive had numerous letters etc from Arrow over the years and ignored them. Then in July 2016 i received a county court claim form from Arrow, I filled the forms in and sent them off to the court explaining etc. I have just returned from a 2 week holiday expecting a court date only to be met by a CCJ. I rang the court this morning to be told that they had not received my forms and as such the CCJ was issued. What options do I now have? I think I need a N244 and set aside would this be the best route? Also where do you think I stand with regards to the debt? Kind Regards G Also there is no longer any mention of Orange on my credit file except for my current contract.
  17. Hi all, Can I ask for some advice, I have sent a CCA request to NCO Europe and sent a chaser as had not received a response. They have sent the below. Do I need to make payments and can they reflect this negativity in my credit report until they supply the requested info? Would anyone be able to advise how I respond/any action I need to take? I was led to believe my account had to be put on hold during this time? Good Morning/Afternoon, NCO ref: ***** Arrow Gloabl Ref : ****** Balance : £767.41 Thank you for your recent correspondence regarding our mutual client, the content of which has been duly noted. As we made you aware with our last email , we are chasing this as a matter of urgencey. As soon as we have any response from Arrow global we will be in touch with yourself. However we regret to inform you at this time that there is a contractual amount attached to this account at £1.19 per calendar month. This is from the original terms & conditions you would have signed when they first opened the account. We have to make you aware failure to meet the contractual amount may result in arrears on your account. This may lead to their account being updated as defaulted, which will have a negative impact on their credit rating, and make it more difficult to secure further lines of credit for up to six years after the default date. No interest or charges are being applied
  18. Hi To all . new here and seeking some advice , I have received a claim form and a letter on Friday relating to an old orange mobile debt from 2011 which has been banded about between several debt collectors over time . I am just asking advice and what is the best way to go forward with this. I do not have any old paperwork so I have no records of whether I received default ect . regards
  19. Hi, So the other half received an initial letter from Arrow Global today saying that they are trying to contact him about a personal matter aka trying to recover a debt. After reading other posts myself and the OH are in two minds whether to ring them as most have said to deal with them in writing. However without phoning them we can not access how much debt they are trying to collect and from what company they are collecting on behalf for. Any help on this would be great!
  20. I have recently applied for a mortgage and found a default on my credit file from Arrow Global. The debt i believe is in relation to a business loan i took out with HSBC in 2005, the business was shut down approx 3 years ago as well as all associated accounts including i assumed the loan account, HSBC informed me nothing was owed when i shut the accounts, they even transferred some money that was in the current account to another business account i had with them. I received a letter from Arrow Global in April 2016 mentioning a debt and i contacted them directly for more information, they never returned my calls. I have spoken to HSBC this morning who have just said that the account was closed? They wouldnt give me any further information. I have spent years perfecting my credit rating and to say i am absolutely livid about this default is an understatement, my mortgage was rejected and my personal credit rating completely trashed. The default was put on in February 2015!!! What can i do, i have today sent SAR requests to both HSBC and Arrow Global as well as request for the record of default notice to Arrow Global. On my credit file the address for the default was a house i lived in over 10 years ago?? Latest letter says debt has been passed to Moorcroft Group PLC I am contemplating paying the amount owed £910 to mark it as satisfied but i dont want to pay what i have been told isnt owed, money is not an object and i will gladly pay whatever it costs to get this default removed.
  21. Hi Everyone, I wonder if anyone could help me. I've received a letter from Moorcroft Group regarding a debt bought by Arrow Global. To my knowledge I haven't paid anything towards the debt. The original loan was taken out in 2006-2007. I got made redundant from my job in 2008 and stopped making payments because I couldn't afford to be making payments. I couldn't even get any assistance (job seekers allowance) because I was married and my wife was the only one working and she was working too many hours to get any help. Now here we are in 2016 I'm now receiving letters about this debt. I responded to them via email stating that in no circumstances am I acknowledging this debt as I believed it was now statute barred. They have replied stating that Arrow Global have informed them that a payment was made in 2011 but I have been through my records and cannot find anything regarding this payment. I have sent them another email stating that I want to see physical proof of where the payment came from and that I still do not acknowledge the debt and will not do so until I receive the documents. My next question is this. Would the emails I've sent count as a communication and therefore restart the clock on the 6 year limit even though I have said that I do not acknowledge nor take any responsibility of the debt until I get original documents showing when the payment was made etc. Any help or advice would be appreciated. Kindest Regards, Brett Rogers
  22. I had a credit card account with Lloyds, who have now sold my debt to Wescot, this is for around £3k. I was paying Lloyds £1 a month, but for some reason they have sold my debt to Wescot. I called them today to set up a £1 per month plan and they have asked me to contact Stepchange to get an income and expenditure form. I also had a credit card account with Virginmoney, again for around £3k. I rang them today to ask why are they still charging me interest, and they advised me as its been over 180 days in arrears they have sold my debt to Arrow Global. I was also paying them £1 per month. I have not received any communication from AG yet, although its only been a few days past the 180 days so far. Does anyone have any advice what to do for each of these cases, before I go ahead? It should be noted that I also have two more bank account debts with Lloyds and a credit card with Barclays, all of these are in payment plans, which I am paying £1 a month to.
  23. Good afternoon, I received a withheld phone call on tues 19th April asking for my ex husband, told them he doesn't live and as never lived here, they asked if I knew where he is, I said I've not seen him for 19 years, then asked about me as this is a joint dept from 19+ years ago, I was so silly to answer their security question and give them my mobile and email address. Wednesday I received a letter from gdr trace saying that they think I'm the person there client wishes to contact, I've not phoned them as yet as this was posted on the 18th before my phone call on the 19th, obviously they are working together. It was a messy devorce which ended my house got repossessed, I've never hidden away as I still pay a monthly payment to this. They said they sent a letter in 2001 to that address and whoever lived there said I didn't live there, I know for a fact my ex would not say he owed this dept or made any contact, I would think this would be statued barred, I'm so worried at the min about all this and would love for some advice, I've seen the template letters that can be send and would this stop contact, somehow I don't think so with this company. I've looked as well on my credit file and everything is ok there. I'm waiting to still received the letter that they said on the phone call, but have not as yet, they told me I had 2 weeks to get back to them when I do get this letter, many thanks in advance I also don't want my ex's name on any letters as this one from GDR TRACE had both our names on it.
  24. Picking up some old paperwork that I have not dealt with for some time - advice appreciated on next steps I should take. The address at which I received the last letter (see below) is a family member's and not my own - I'm a little concerned that my family may miss a "letter before action" or claim form should one be sent there. DCA: Arrow Global Guernsey Limited Amount : £7k [approx] Type of debt claimed: Credit card Original agreement with: MBNA Original agreement entered into: Apr 2007 Default notice from original creditor: Yes, Sep 2011 Date of last known payment: 5th Jan 2012 (MBNA), 25th Apr 2012 I&E sent to Arrow Notice of Assignment received: Yes, Moorgate (letter, 25.1.12), Arrow (titled "Notice of Assignment" 14.11.12) Received annual statuary notice ("notice of default sums")?: No Why ceased payments: Divorce, moved home, personal circumstances. Dispute with original creditor: No Communicate financial problems / enter into debt management plan: Yes with MBNA Other pertinent dates: 21/02/2014 CCA request sent. Proof of postage. Copy of Letter retained. 25/02/2014 Letter from Arrow - Confirms receipt of my CCA request. 30/06/2014 Letter from Arrow - Holding letter states they are chasing documentation. 18/02/2015 Letter from Arrow - (One year after original request!) They claim they have supplied a copy of agreement, T&C and statements. No signed agreement - in fact, no evidence to say it was the agreement from the time as far as I can tell. They also state that they are looking to outsource the account. I've not received anything since then, so am hesitatnet to chase, with the caveat above of being concerned about the address issue. Does the fact it took them 12 months to reply have any bearing on how things may go in the future (or court)? Does the fact they have not produced a copy of the agreement with my signature have an impact on this too? Is Apr 2007 before or after an important date regarding these sort of debts (it's something to do with CCAs right?)? Should I just wait and see, or is there another preferable course of action? Thanks in advance for your advice.
  25. Hi, Last month I opened a Clear Score account to check up on my credit score and see how I was doing. Today was my update day, I logged in to find that I have a CCJ against me which was issued on the 16th of March 16. The web site doesn't give much information, case reference, address, amount and which court issued it: County Court Business Centre The problem is that the address they have used is over a year out of date so I have received no paperwork. I moved out of that address in February 15 and into my fathers address to help him look after my step mother who is seriously ill with MS and bed bound. Just last week I moved out of that address into my girlfriends, who is heavily pregnant and due any day. I am really worried that the bailiffs may turn up and I am not certain what debt it relates to or how to deal with it. I have dug through all my old paperwork I have two debts which are not being paid as I believe them to be statute barred. One is with Barclaycard and the other is with MBNA. The MBNA one is the closest matching, it is roughly £200 difference from the balance that I owe them. The Barclaycard is over £1000 difference. If it is MBNA, the earliest letter I still have from them is dated July 2011, stating that "Following previous correspondence, which confirmed the termination of your MBNA credit agreement".... we will be sending it to a DCA. I have various letters from DCA and then a notice of assignment to Arrow Global Guernsey Limited. I don't have the statements or the letter for when I defaulted but I am sure that it was in early 2010 as that is when I got divorced and had serious financial issues. 1) Is it worth me signing up for Credit Expert to see if the MBNA account appears on file (there is no record of it in Clear Score). And or to obtain more information about the CCJ? 2) Is there any other way to obtain information about the CCJ, the only place I have found is Trust Online and it's behind a pay wall so I'm not sure if it will tell me who submitted the claim. 3) Any suggestions on what I should do next? Many thanks for any advice.
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