I would appreciate some advice, please 50 + years ago - OH was involved in an accident whilst playing football. He was a goalkeeper - took a dive to save a ball and was kicked in the top of the spine. He was taken to hospital with a suspected fracture. X-rays didn't show anything seriously damaging although there were some problems with his back / walking. Was kept in hospital for a couple of weeks and was then sent home. Over the years, because of the pain, he contorted his body to alleviate this and developed a kind of weird posture. 30 years ago, he was taken into hospital with a suspected heart attack. After many tests it was discovered that he hadn't had a heart attack as such - the way in which he had held his body to spare himself pain - his spine had curved inwards and was pressing on his heart and lungs. Further investigation found that he had some crumbled discs. He had an operation to hoover out all the bits that were messing with the nerves and after a couple of weeks was sent back home. He developed a paraplegic leg because of this and was fitted with a brace to help with walking. He was retired on the grounds of ill health. About 12 months ago, his other leg started to weaken. His GP referred him to a Neurologist at our local hospital and this is where things started to go pear shaped. The Consultant referred him onto something called One Health, which is apparently a NHS/Private Health initiative. He was sent an appointment to a clinic some miles away - took us over an hour to get there. All that happened here was a fact finding mission on OH's health (which surely they should have been provided with from either the GP or the hospital)? So that visit was purely taken up with getting OH's medical history ! He was then sent an appointment to go to a private hospital in Grantham (over 80 miles away). Problem here was that : He wasn't to drive himself home after the treatment - I could have driven him home, except the idea was that he would go to the appointment early as a day patient - he would have the procedure and then would not know for 4-6 hours afterwards whether he was going to be discharged or ambulanced to another hospital in Sheffield which was another 40 mile journey. So, had I gone with him - I would have had to wait around with 2 dogs and then not know if he was coming home or not and if not, I would have had to drive home on my own - a journey I had never done before. Fortunately a friend offered to do this for us - the procedure was done and he was discharged 5 hours later - and told that he would have a follow up telephone consultation in August. We had believed that they were going to be injecting him with something that would support and cushion any damaged discs - this wasn't so, although we didn't know this until a few days ago. OH was still in considerable pain and on Thursday he took a tumble. We contacted his GP only to be told we had to make contact with the Consultant who did the procedure. As he, the GP, was not aware of what was going on. When we finally tracked someone down - were told OH could either go to Ossett, in West Yorkshire for an immediate consultation or wait until the following day for a telephone consult ! The journey was out of the question. When the Consultant phoned the following day - we were more or less advised that OH could be sent to anywhere in the Country - Scotland even, if that is the place they have a space or consultation time ? It was in this call that we learned that the procedure that had taken place was some kind of dye had been injected into him to see where the problem was ! Surely at this point they should have realised what the problem is/was and made an appointment for the surgery which it is obvious is going to have to take place. The Chap we spoke to on the phone has said that an appointment to see a Consultant Neurology Surgeon will be made and sent to OH ! Has anyone else been put on this type of NHS/Private Initiative and what is their opinion please ? Is it likely the National Health Ombudsman will look at this. Do we have a complaint even, or is this the way forward with the NHS of the future ?

Can National Collection Services repossess my ovens? I own a small bakery/cafeteria and I have fallen into debt due to a downturn in business. One of my creditors has a CCJ against me for around £5000. Their bailifs have attended my premises i managed to pay them £2000 out of my takings for last week, but they have said that they will be back to remove goods some time this week and asked the value of my ovens. Surely they can't take them? They haven't been threatening or aggressive, but they were very firm with me. I know they're just doing their jobs, but I',m not good with the law. Any thoughts? Regards Peggy

Hi there, Looking for some help if possible I was a Virgin National Broadband customer and some time ago they wrote to me to advise that TalkTalk had bought out my contract. I was with Virgin for about 2 years and TalkTalk a year after that. I had never signed a contract with them and effectively out-of-contract with both companies. As I was fed up of the lack of customer service from TalkTalk I cancelled my contract and advised them. I received a letter from a debt collector on their behalf asking for £300+. I was blown away. I phoned TalkTalk who advised it was a cancellation charge and there's nothing they can do. I asked for a copy of my contract to which they refused. I asked for a call back from a manager which never happened and they have advised they have no complaints procedure to resolve any problems and my only option was to pay £300!!! Can anyone help as surely I would be out of contract in spite of having never signed one with TalkTalk in the first place

Hello all, I'm a first time poster so please go gently! Has anyone ever heard of National Collection Services? The reason I ask is that I have had some financial difficulties of late running a small café in Northumberland and had fallen behind in paying my suppliers. I was aware that one supplier had taken me to court, but I didn't know that judgement had been entered against me. Then out of the blue, two of their operatives tuned up at me door demanding payment be made immediately. They were polite enough, but they were also quite big lads - the fact that they were in suits didn't make me feel anymore comfortable. they explained that if I didn't pay the £3000+ that was outstanding, that they could start remioving my goods. As it happens, I was close to getting myself back on track so cvould afford to pay them half with a promise of the other half later that day. What annoyed me was that they actually waited outside of my café in their car until my brother-in-law arrived with the rest of the money. I found the whole situation extremely unsettling. Can they do this? I know it happens on the TV but I always assumed that it was all exaggerated. Also, if I hadn't paid could they have taken my equipment? Thanks in advance. Mark

Hi I am looking for a little advice on how I should deal with a very old Santander (Abbey National) overdraft. Many moons ago (2007 – 2009) I had an Abbey account with a £3k overdraft, which despite me having my salary paid into this account, they decided to withdraw the facility giving only one months’ notice. (I believe this was the annual account review and my credit file had some adverse records on it). I was forced to move my salary and setup DD’s in another bank quite quickly and wasn’t in a position at the time to clear the overdraft. During the time the account was open they had charged me just over £3k in bank charges which didn’t include interest and in 2011 registered a default against me. Now I am in a far better financial position and would like to refinance to get better interest rates and perhaps go for a 0% balance transfer on a couple of credit cards. But this default will be on my file for another 8 months so is preventing me from getting favourable finance offers. What would be the best way to deal with this and would it be possible to have this default removed? Thanks in advance for any advice you can offer. Covers22

Not sure if this is the right place to put this but im sure I`ll be guided I have an army pension after serving 18yrs and a war pension at 30%, I then worked off shore for a further 18yrs, during this 18 years offshore 2014/2015 I was offshore holland when i returned to the uk to work offshore I was told that I had to catch up with my NI which I did at the end of last year 2015, I left offshore due to disability in december and have claimed ESA however they have told me I cant get contribution based ESA as I hadnt paid enough NI in 2014/2015, my point is I still caught up with it and paid it, this is driving me crazy Regards skye

From today, national living wage pays £7.20 an hour, wow, think of what you could do with the money..

Conservative MP for Kettering Philip Hollobone proposed the National Service Bill and there is an e-petition against the Bill. I have started an e-petition in support of the Bill, because I believe that it could be a saviour for Britain,as it would provide a solution to Youth Unemployment, instill a respect for authority that has been lost, teach youngsters discipline and give them a work ethic by providing a structure to their daily life and it would also give many a direction for a trade after their service. If the National Service was compulsory then it would also discourage those wishing to migrate to Britain as a soft option, thus reducing costs to the Benefits System, the National Health Service and the Education System and also increase the Social Housing stock. Having done their Nation Service the youngsters should return back into civilian life with discipline, respect and a work ethic, so this should also help to prepare them for a working life and also help reduce crime. If you wish to sign the e-petition in support of the National Service Bill please go to this link :: http://epetitions.direct.gov.uk/petitions/54710 I would also appreciate it if you could post the link in any other forums or social media sites that you visit. Thank you very much for your help. If you wish to read the National Service Bill in full then it can be found here :: http://www.publications.parliament.uk/pa/bills/cbill/2013-2014/0032/cbill_2013-20140032_en_2.htm#l1g1 This post has been promoted to an article

"The national interest must come ahead of human rights" David Cameron. But is not human rights central to our national interest? Every year the British Government sell £4 billion in arms to one of the worlds worst human rights abusers, Saudi Arabia. Currently a 17 year old Saudi male faces public beheading followed by crucifixion because he has been found guilty of being involved in sedition in taking part in a human rights riot. David Cameron's Government cut a secret deal with Saudi Arabia last month to be elected onto the United Nations 'Human Rights Council'. Saudi Arabia publicly beheaded over 60 of it's own citizens last year year, flogging, up to 1000 lashes at a time, is common. Woman under penalty of imprisonment are not allowed to drive. The justification for David Cameron in turning a blind eye to these and other human rights abuses is 'We share valuable intelligence with them of people who want to harm both regimes'. As well as Saudi Arabia Britain has just completed trade deals with one of the most prolific Human Rights Abusers. That being China. An example wil be live organ donation/ harvesting from their prison population. ( Falun Gong) The response from the Chinese Government states that the prisoners agree to it. And the UK Government accepts that response What can be more harmful to our reputation on human rights when we ignore them in the name of national security that ultimately undermines our commitment to uphold human rights? No wonder the Tories are so keen to try and dump the European Convention of Human Rights as they have no respect of them. The irony in all of this is that it was a Tory who was instrumental in conceiving the ECHR That being Winston Churchil

The Taking Control of Goods Regulations 2013 was introduced on 6th April 2014 and to coincide with this regulation, the Ministry of Justice updated the previous National Standards. It must be stressed here that although the National Standards arenot legally binding, the government’s intention is that they are intended to be used by all enforcement agents, the enforcement companies that employ them, and the creditor (in most cases the local authority or HMCTS) who use their services. A link to the Taking Control of Goods: National Standards 2014 can be read here and listed below are selected parts that could assist anyone facing bailiff enforcement. Creditors responsibilities 8. Creditors should act proportionately when seeking to recover debt, taking into account debtors’ circumstances. 12. Creditors must not issue a warrant knowing that the debtor is not at the address, as a means of tracing the debtor at no cost. 20. Enforcement agents must not be deceitful by misrepresenting their powers, qualifications, capacities, experience or abilities, including, but not restricted to; • Falsely implying or stating that action can or will be taken when legally it cannot be taken by that agent. • Falsely implying or stating that a particular course of action will ensue before it is possible to know whether such action would be permissible • Falsely implying or stating that action has been taken when it has not 21. Enforcement agents must not act in a threatening manner when visiting the debtor by making gestures or taking actions which could reasonably be construed as suggesting harm or risk of harm to debtors, their families, appointed third parties or property. 23. Enforcement agents, for the purpose of taking control of goods shall, without the use of unlawful force, gain access to the goods. The enforcement agent must produce all relevant notices and documents, such as controlled goods agreements, that are required by regulations or statute. 24. Debtors must not be pressed to make unrealistic offers and should be asked to consider carefully any offer they voluntarily make and where possible refer to free debt advice. 25. Where a creditor has indicated they will accept a reasonable repayment offer, enforcement agents must refer such offers onto the creditor. 27. Enforcement agents must not act in a way likely to be publicly embarrassing to the debtor, either deliberately or negligently (that is to say through lack of care) Complaints/Discipline 45. The complaints procedure should be set out in plain English, have a main point of contact, set time limits for dealing with complaints and include an independent appeal process where appropriate. A register should be maintained to record all complaints and complainants should be notified of the outcome of disputes. Information and confidentiality 52. Enforcement agents should, so far as it is practical, avoid disclosing the purpose of their visit to anyone other than the debtor or a third-party nominated by the debtor, for example an advice agency representative. Where the debtor is not seen, the relevant documents must be left at the address in a sealed envelope addressed to the debtor. 53. Enforcement agents should make debtors aware of the possible additional costs of enforcement which will be incurred if further action becomes necessary. If a written request is made, an itemised account should be provided. Times and Hours 55. Enforcement agents should be respectful of the religion and culture of others at all times. They should carefully consider the appropriateness of undertaking enforcement on any day of religious or cultural observance or during any major religious or cultural festival. 56. Enforcement action should only be carried out between the hours of 6.00am and 9.00pm, or at any time during trading hours, unless otherwise authorised by a court Mode of entry 57. Enforcement agents should not seek to gain peaceable entry to premises under false pretences; for example asking to use the toilet, or to use the telephone. They should be clear as to why they are seeking entry to the premises. 59. Enforcement agents must only use a door or usual means of entry to enter premises. 60. A power to enter premises by force exists for the execution of High Court and County Court debts at business premises or at any premises where an enforcement agent is enforcing criminal penalties. This power should only be used to the extent that it is reasonably required and only after the debtor has been warned that the power exists and the consequences of a wilful refusal to co-operate. 61. A power to re-enter premises by force applies to both residential and business premises where a controlled goods agreement is in place and the goods remain on the premises but the debtor has failed to comply with the repayment terms of the controlled goods agreement. This power should only be used to the extent that it is reasonably required and only after the debtor has been given notice of the enforcement agent’s intention to re-enter. Goods 64. Enforcement agents should not remove anything clearly identifiable as an item belonging to, or for the exclusive use of a child (person under the age of 16) or items clearly identifiable as required for the care and treatment of the disabled, elderly and seriously ill. 66. Enforcement agents should take all reasonable steps to satisfy themselves that the value of the goods taken into control to cover the sum outstanding is proportional to the value of the debt and fees owed. 67. Enforcement agents should not take control or remove goods clearly belonging solely to a third-party not responsible for the debt. Where a claim is made, the third-party should be given clear instructions on the process required to recover
their goods. Multiple warrants 69. Where enforcement agents have multiple warrants for a single debtor, an enforcement agent must take control of goods, and sell or dispose of these goods, on the same occasion except where it is not practical to do so. Vulnerable debtors 72. Enforcement agents must withdraw from domestic premises if the only person present is, or appears to be, under the age of 16 or is deemed to be vulnerable by the enforcement agent; they can ask when the debtor will be home – if appropriate. 73. Enforcement agents must withdraw without making enquiries if the only persons present are children who appear to be under the age of 12. 74. A debtor may be considered vulnerable if, for reasons of age, health or disability they are unable to safeguard their personal welfare or the personal welfare of other members of the household. 75. The enforcement agent must be sure that the debtor or the person to whom they are entering into a controlled goods agreement understands the agreement and the consequences if the agreement is not complied with. Bailiff enforcement National Standards 2014.pdf Before Printing the PDF TIP If you DO NOT wish to print Page 1 (Cover Page) of the PDF, please ensure to do the following: Ensure you go to your Printer Settings and set it to 'Print from Page 2' (this way Page 1 (Cover Page) should not print out). Note: This will save you Ink & Paper

Hi, I was wondering if some people can give me some help on a parking fine from NPC. It States. THE DRIVER IS REQUIRED TO PAY THE CONTRACTUAL PARKING CHARGE OF £100 WITHIN 28DAYS OF THE DATE OF THIS NOTICE. THE CHARGE WILL BE REDUCED TO £60 IF PAYMENT IS RECEIVED BY 17-05-2015 We do not know then name and current address of the driver. Under the protection of freedom act 2012, schedule 4, you are now required to do one of the following by no later then the last day of the 28days beginning with day after date on witch this notice to keeper is issued. pay the outstanding amount if you were the driver of the vehicle, or provide us with the full name of the driver and current address where a notice can be served ( you are also provided to pass the notice to the driver ) Or make representation against/challenge of the contractual parking charge notice. If at the end of the period of 28days, beginning with the day after the date of witch this notice to keeper is issued you have not complied with the above, then you ( as registered keeper of the vehicle ) will become liable for the charge and we will have the right to take recovery action against you. This was in a leisure centre car park and I had just ran over the time on the parking ticket. I know they use there own staff to patrol the car park as the fine ticket was a piece of A4 paper saying CONGRATULATIONS YOU HAVE A £100 FINE place under my windscreen wipers. Not very professional at all. Should I respond or Ignore these letters? I can see by other threads these are a bunch of no gooders. Any help would be very much appreciated Shaun Shaun

It looks like my days of playing the lottery will be ending in October, they are adding ten more balls so increasing them from 49 to 59 and the odds on winning the jackpot jumps from 14 million to 1 to 45 million to one. They say they are making up for it by adding another prize, you will get something for getting 2 balls correct, another bloody lottery ticket, well whoopy.

I'm posting this regarding one of my friends situation I'm trying to see the possibilities. If I understand correctly, an EU national have to live in UK for 5 years to be settle (without studying, just working or self-sufficient) in this case UK needs to stay in EU for another 5 years (5 year qualifying period). And if the referendum in 2017 will decide "out", then my friend will stop having right to reside in UK and thus will not be able to meet the conditions above?

I have recently been offered a job with a well-known company, but I cannot start induction with them until I provide proof of my national insurance number. They say that ONLY the following count as acceptable proof: P45 P46 Former payslip Letter from HMRC As I have not had any previous contractual jobs, I have no P45 or P46. However, I DO have a former payslip as well as a letter from HMRC. But the problem is that the National Insurance number on them is only a temporary one, so I cannot use them as proof of my permanent National Insurance number. So this leads me onto my first question: why do people keep giving me temporary national insurance numbers despite them knowing my permanent one?? I tried to solve this by using HMRC form CA5403 (a request of National Insurance number confirmation) and sending it to HMRC using a first class stamp. However, reading up on the internet I have read many horror stories of HMRC taking months to get back by post. So this leads me onto my second question: how long does HMRC take to get back to NI number confirmation requests? I cannot start work until I get a letter from them so they are kinda holding my employment prospect in the balance. Needless to say, I am slightly p*ssed off with it all. I would be immensely grateful if anyone could answer my questions, thanks in advance!

Has anyone else noticed the MOJ link to the 'new' National Standards cannot be found on the MOJ site anymore: http://aka.justice.gov.uk/downloads/courts/enforcement-officers/taking-control-of-goods-national-standards.pdf They can be found here (third link down): https://www.gov.uk/search?q=bailiffs Is there a reason for this, or is it just a technical blip?

can anyone give advice ?? my son had never received a tax rebate in all his working life , he had been getting taxed really badly and decided to phone hmrc, he was told that the national insurance number that he had been using for the ten years he has worked was invalid !!! he has worked from leaving school apart from 5 months when he received jsa,, he is now 27 and has never been notified that the number has been wrong . seemingly he was told on the phone that this had been a temp number but he never received any other so had no idea anything was wrong . so in the ten years he has worked where has all his taxmoney gone and is it possable he can claim any back ???

After recent rule changes I was unable to remain as a sole trader self employed LGV driver, I have to become a LTD company. I am an agency driver. So my only other option was to go to an umbrella company and use the PAYE system. I notice on my payslips various deductions from tax, umbrella company margin, holiday pay, NI contribution, bonus?, HMRC NI ERS. It's the last one that troubles me, NI contribution has already been deducted, the HMRC NI ERS I believe refers to the employers NI contribution but it is being taken out of my pay packet directly in addition to my own NI contribution. Am I being fleeced? or is there some technicality that means that I have to pay more than double NI? Many Thanks, Colin.

I own a small business and had ran up a business debt amounting to just over £5,000. Unfortunately the creditor would not be patient with me and so obtained a CCJ. I had made promises to pay futuristically, but yesterday I received a visit from two gentlemen from NCS who are from the North East. They were polite throughout, but it was clear that they were not leaving until they had received a payment and they even clamped my car. I settle half of the debt as a result of that move, paying them the last I had in my business account. I just wondered if it was legal for them to do this?

The reason I ask is that firstly I did not expect to have to deal with a Collection firm arriving at my business premises on a Bank Holiday Weekend. Secondly, they had arrived to remove my haulage truck which I rely on for business and thirdly, when I called the police they had no effect and the two men from NCS dictated the entirety of the proceedings that followed and the police were helpless. I concede that I owed money to the finance company on the truck and as a result they instructed NCS, but I had no idea that a Collection firm could simply remove my property and even less idea that they could dictate proceedings so swiftly and with such power over the local police under a repossession order. Is there no patience anymore?

I had a gas pipe installed by National Grid which has been a complete nightmare. The story is very long, but this is the gist: Missed several appointments or never turned up on time, meaning I had to take 7 days off work at short notice on top of all the days off I had originally taken off. Messed up the planning application with the local council, and luckily we had someone who works with them regularly chase it and get it rushed through in the last minute. Chucked a load of road signs on my next door neighbour's drive meaning they were unable to park their van Knocked over the wall of the neighbour across the street [see pic] Refused to start work on the original date because they are not allowed to dig inside my garage, but we had a surveyor visit 4 months earlier who did not mention that, and all their paperwork says "We will excavate all private land" Marked an area inside the garage to be dug, so we paid a building firm to do that, and we later found out it was the wrong size for the pipe Installed the pipe in the wrong position and did not attach it to the wall, so the meter installer refused to work on it because he deemed it dangerous. We had to have the pipe moved [pic] Made the original hole bigger due to them having to move the pipe, and in doing so broke my outside drain (all water from my front garden is routed into this drain) Smeared concrete all over my brand new doorbell [pic] Repaired the drain badly and poured concrete into it [pic] Refused to acknowledge my complaint about the drain for 2 months, which eventually lead to the garage being flooded yesterday Handed to new surveyors who claim to be more senior than the last, and then they refuse to answer my calls (this has happened 3 times) Refused to acknowledge that we had been overcharged (£1,191.60 is the price where they dig private land, £424.80 is the price where we dig private land) I was told by the most recent surveyor that we would be getting compensation. Later I received a cheque for £20. I wrote a letter of complaint and they responded basically saying everything was my fault, and they upped the offer to £200 'as a gesture of good will'. I feel like I'm at least entitled to the £766.80 they overcharged me! Does anyone have any advice?

Hi. Have just found an old National Savings Bank book of mine. Last transaction was about 1999 and there's only £3.50 in it - does anyone know if I can still take it into a post office and take out the money? I might as well have it, if I can.

I received a penalty charge notice ticket on the 07/02/2014 from NATIONAL PARKING CONTROL to pay £100 within 28 days for parking in an unauthorized location dated LAST YEAR 27/082013 for approximately 4min 1sec. I have written to them about this PCN on 2 occasions, challenging the parking charge notice due to not receivingtheir parking fine within 28 days (WHICH I BELIEVE IS THE LAW FROM THE ONLINE RESEARCH I DID) period starting from the day after the parking incident took place. First letter i sent to them was on 07/02/2014 which they ignored after singing and receiving it. Then on 07/03/2014 they sent me another parking fine letter ignoring my first letter of dispute i sent them. After receiving their second parking ticket fine I sent another another letter this time with a copy of my postage receipt to prove i recently sent a dispute letter, which i believe they have intentionally ignored. Now i have received a 3rd parking fine notice letter, this time it has increased by £40 now making it £140 which must be paid 09/04/2014. I have also kept all records of postage delivery receipts....PLEASE HELP!! THANKS IN ADVANCE

All creditors were written to by letter dated 21.08.06, to inform them of financial difficulties. I enclosed £1 token payment and cont’d to pay this for some months until payments increased. The original payments amounted to £500-£550 per month. I am still currently making reduced payments as below. thanks for your help/advice. Creditcharge Store card (First National Tricity Finance/GE Capital Global), has been with AIC/Aktiv Kapital since 2006 Not showing on Equifax file Balance £1074.35 I pay £4.61 I have 1 Statement from Creditcharge dated 10.10.2005 for May 05-Sep 05 showing 5 PPI’s added during this time. I have the original Default Notice, well 2 of them - one dated 04.10.06 and the second dated 10.10.06 1st letter r’cd from AIC, client named as Aktiv Kapital, dated 16.11.06 gives “Formal Notice of Assignment of Above Debt” CCA requested 06.01.14. Letter r’cd from AIC dated 09.01.14 saying they are requesting from original creditor (Ak Kap) and will be in touch one way or the other. Should I stop paying them until resolution?

Creditcharge Store card (First National Tricity Finance/GE Capital Global), has been with AIC/Aktiv Kapital since 2006. Not showing on Equifax file. Balance £1074.35 PPI form sent to OC - letter r'cd from Santander today stating that they can confirm no PPI was taken out on this account, when I have 1 Statement from Creditcharge dated 10.10.2005 for May 05-Sep 05 showing 5 PPI’s added during this time. I even put on the PPI form "I HAVE A STATEMENT THAT SHOWS PAYMENT PROTECTION WAS BEING PAID". Think i'll just wait to see what Ak Kap come back with re CCA (on another thread). If debt is unenforceable i'll be more than happy with just that. any thoughts?

hi all. this is the first time I have been here and would like some advice. yesterday morning I decided to take my two little granddaughters for a short train ride to go visit the park. the girls are both 2yrs old and were very excited to be going on a train. all went well until we arrived at our stop and tried to disembark. I lifted the first child onto the platform and went to lift the second child from the train when the doors closed, trapping me in between them. I was pushing the doors and trying to open them, but this was almost impossible. the other passengers were shouting at the guard to open the doors. eventually the doors opened and I was able to lift my granddaughter from the train. as I am registered disabled with chronic spine disease and arteritis this has left me in a great deal of pain. my little granddaughters were left very distressed about this incident and I would appreciate any advice from you all. thankyou.