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

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Advice paying several debts


Hachi
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To cut a long story short I lost my job and was unable to keep my repayments on my credit cards, this was well over a year ago now.

 

At first they all say we will try to help but I never saw any of that and eventually all my debts are now with debt collectors and the sort.

 

I'm currently on JSA which is £220 a month (I live with one of my parents also)

 

I pay £143 but now as these companies seem to want to eventually creep the amount I pay back (one went from £20 to £25 last week) I find myself more often than not falling behind even in these payments each month as every scrambles to try and get a bit of my money.

 

I no longer have the phone on the hook as there are constant phone calls from with various messages as "could please ring on such and such number"

 

Everyone gets thier money but they still seem to phone up asking for payment regardless of whether my payment is on time or not.

 

A lot of these people are claiming on behalf of other people I'm pretty sure (like AIC are fronting for Mint but I have no proof of this, just a letter saying so)

 

Well, my real reason for posting is to know if there is anything I can genuinely do to cut down some of these monthly payments, Brian Caters take £30 and Mercers £28 and they just won't budge is letting me lower the payment.

 

So any adivse on how I may be able to lower my payments, or even find out where my money is going each month (and if my debt is actually going down) would be appreciated, I also think a lot of this has made me quite stressed and really gets me down sometimes.

 

TIA.

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Hi Hachi and welcome to CAG. There are a number of things you can do to help your current situation. Firstly you need to sort out a budget, have you done a statement of affairs to show your income and outgoings? Credit cards and loans are non priority debts so you need to ensure that essential bills are paid first. You also need to reserve a little bit of money for things like clothes, emergencies and a social life.

 

Secondly you need to identify if these DCA's have the legal right to collect on the account. You can do this by asking for a copy of the credit agreement (this is required to legally enforce the account), a notice of assignment (this shows that the DCA has been legally assigned to act on behalf of the creditor) and a statement of account. If they can't supply a copy of the credit agreement after 12 working days they are in default and can't lawfully enforce the account, this means that they can't apply interest and you can withhold payment until a copy of the agreement is produced. A template for this request is here http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html template N. You need to send this recorded delivery and enclose a one pound postal order. Do not sign the letter.

 

How old are these accounts?

 

Regarding the phone calls I would also send the letter here with the CCA request http://www.consumeractiongroup.co.uk/forum/bank-templates-library/37006-harassment-telephone-response-letter.html

 

Have you thought about changing your telephone number? You can do this by phoning your supplier and informing them you are being harassed and require your number to be changed.

 

Finally, are there any charges on the account which you could claim back to reduce the balance e.g. late payment fees, overlimit fees?

  • Haha 1

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Thanks for the reply,

 

The accounts are probably reaching the two year mark, it took nearly six months to come to the current situation I am in (they wouldn't except my payment offers and gave the usual threats about courts and such)

 

Mercers are the worst, they said if I payed a certain amount they would clear the over limit on my card, but they never did (it was something like £200 over the limit thanks to fees and interest, and Barclays were still sending me credit card bills, so I'd pay £28 to Mercers then the bill would arrive from Barclays with a late fee and interest added on so nothing was actually payed off for nearly a year, but they have stopped this now and said they won't charge me anything for six months)

 

There are a lot of charges for late payments and overlimits that I know of, but have no real evidence as to what they might be, as most of these companies just give a flat amount of what I owe.

 

Should I send a letter to each of the companies (IE send the letter to the people who I actually pay each month?)

 

I just want to make monthly payments that I can afford and still be able to live, and not be harrassed still even after I have paid.

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The accounts are probably reaching the two year mark,

This is when you took them out with the original creditor, yes? I wasn't asking when were they transfered to DCA's.

 

There are a lot of charges for late payments and overlimits that I know of, but have no real evidence as to what they might be, as most of these companies just give a flat amount of what I owe.

 

The statement of account should give you a lot of this information, but you'll probably have to send a SAR to the original creditor to get the full picture on how much the charges are. A SAR is a request for information under The Data Protection Act. You may be pleasantly suprised how much the charges come to.

 

Should I send a letter to each of the companies (IE send the letter to the people who I actually pay each month?)

 

I would send the letters to the DCA's.

 

I can't find our statement of affairs calculator so I'll give you a link to another one here Debt Statement of Affairs - Debt Consolidation - The Motley Fool The calculator is at the bottom of the page. DCA's (or creditors for that matter) have a legal obligation to accept what you can afford. They may through their toys out of the pram but don't be pressurised by them. A court would grant them no more than you can afford to reasonably pay and they know it.

 

I just want to make monthly payments that I can afford and still be able to live, and not be harrassed still even after I have paid.

There are bodies that are there to help you such as Trading Standards and the FOS and prevent you from being constantly harassed. They won't judge you on your debt position so don't feel helpless (plus you're with CAG now as well).

 

There are also free debt charities such as National Debtline which can offer good free help and advice National Debtline, for FREE CONFIDENTIAL and INDEPENDENT ADVICE call 0808 808 4000

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Oh I forgot, have a read here too http://www.consumeractiongroup.co.uk/forum/general-debt/55579-oft-guidelines-debt-collection.html

 

This what DCA's are allowed to do and what they are not allowed to do.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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It's been two years since transferred to the DCA's, it's probably about five years since I originally got the credit cards.

 

I did mean send the letters to the DCA's (just getting used to all this new jargon)

 

I've been reading for a couple of months here but finally decided to post and put my situation forward instead of trying to guess what I should do.

 

Am i able to get things like late payment charges and over limit charges removed from the original debt?

 

I know there are limits to what they can do, it's just a matter of trying to find out what they are and how far they can carry on at me because some of these people are just not nice at all, don't say hello or goodbye on the phone, argue and generally act nasty, I've also learn't not to talk to these people on the phone anymore, everything I've sent recently has been by post and email.

 

Thanks for the replies and I'll see what happens next and no doubt post back again.

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  • 2 weeks later...

Hello again,

 

Could someone please confirm that when sending a CCA that day zero should be considered the day that the letter was signed for (I remember reading it but couldn't find it again to check)

 

Also, what is the best way to go about finding all the charges that have been added and go about getting them removed (things like going over limit and late payment fees which ended up in me defaulting)

 

TIA.

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Hi Hachi,

 

My understanding is the countdown starts from the date of posting...make sure you keep all the rd/sd posting slips. and then its 12 + 2 + 30 days.

As advised sending a SAR to the original creditor, will give you information including ,which ,will be your statements and on the statements you will see if you have any unlawfull charges/ late payment fees...then claim them all back.!:-)

kind regards

moving on

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The 12 working days actually starts from the day the letter is signed for, so it's usually counted as 2 days for it to arrive at it's destination, 12 working days until they go into default and you can begin to withhold payments, then 30 working days from that date they enter criminal default and may take no enforcement action until they comply with your request.

 

Hope that clears it up for you.

 

As for the charges, do as Rory32 and moving on advised, send the S.A.R - (Subject Access Request) (not forgetting the £10 Postal Order) to the original creditor. Send it recorded or better still guaranteed next day (costs more but is much better) then sit back, wait for them to respond.

 

DO NOT under any circumstances sign letters to either the DCA or the Original Creditor, it is not unknown for signatures to be copied and pasted, not that I'm implying that any of your creditors etc would do that, but it's safer for you not to sign anything, just print your name.

 

Good luck. :)

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....the only thing I found was that some DCAs who operated using a P.O.Box number never actually signed for anything...! so RM tracking did not help me with some DCAs....It was only when the alleged account was passed back to the original creditor and I heard from them that I realised the DCA had actually received the CCA request......(but I still stuck to the timescale!)

just a thought..

good luck moving on....

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That's true for Recorded Delivery moving on, but for every letter I've sent guaranteed next day, even to a PO Box, it got a signature and could be tracked. Since finding that out, all my letters to these people go GND just for my peace of mind.

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The SAR template is here http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html Also have a read through the FAQ's here http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/ The process for reclaiming charges is basically the same for credit cards as bank charges.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Thanks for the replies, a template was what I was really after, should of made my post a bit clearer.

 

I've managed to get two DCA's to allow lesser payment, I've sent CCA's to the rest and now the waiting game begins, looking forward to what Mercers will do as they seem to make up their own rules, polices and offers as they go along and end up contradicting themselves.

 

Even though I've had no responses yet, I feel a bit better now that the ball is in thier court so to speak, seems like I've managed to take control for the first time since I got into this situation, still kind of nervous as to how various DCA's will act though.

 

Thanks again.

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When this situation started, the CCCS just told me to contact the creditors and asked for a reduced payment, which really wasn't a lot of help, I could of figured that out for myself.

 

I've looked at Payplan, but not entirely sure how effective they really are after reading several threads on these forums (though it seems mostly down to the DCA's being their usual, uncooperative selves.

 

I received a letter today from one of the DCA's I CCA'd last week, asking for full payment of the balance I owe, otherwise they may start court action without further notice, strategic wording on their part, they still have a week or so to respond to my CCA.

 

This thing regarding the people that sign for the letters, the two I sent last week have been signed for (as said in the paragraph above with one resonding with they want full payment; sent to the addresses on the paperwork they say to send payment to, well the only address they really specify) Can I assume that my letter got to the appropiate people or will they just ignore my request and hassle me regardless?

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Can I assume that my letter got to the appropiate people

Yes.
will they just ignore my request and hassle me regardless?
Depends on the DCA really.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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  • 2 weeks later...

Hi,

 

Is there a template regarding asking to pay a reduced amount each month, I looked on the template section but could only see ones for when an offer has been refused (unless I couldn't see for looking)

 

TIA

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  • 3 weeks later...

Just an update and few questions.

 

Of the six debts I have, two have agreed to payments of £10 a month, I never bothered to CCA these as they were being reasonable, should I still send these a CCA to see what goes?

 

Of the four I did CCA, one answered back in a few days (Mercers/Barclays of all people, still being funny about how much I pay them a month but that can be sorted out later)

 

AIC (Allied Internation Credit) these were working on behalf of Mint, no CCA yet but I did get an email out of the blue from Mint telling me I had an E-Statement ready (the email was in my name to my dedicated banking email) I went to the website but couldn't login, there were no clickable links in the email and I had to type the address manually in the browser, so I believe it was real, and the 12 working days have passed.

 

This is what the Mint email contained.

 

Dear XXXXXXX,

 

Your December 28, 2007 E-Statement for MINT account number XXXXXXXXXXXXXXXX is now ready for viewing. Just log on to your MINT Online account.

 

You will be able to view any special offers. We advise you to print these off as they will only be available to view for a limited period.

 

Best wishes

 

Jerry Toher

Managing Director

 

P.S ...don't forget that you can make a payment online using the payments and transfers link once you have logged on.

 

Blair, Oliver & Scott (Halifax) and Equidebt (Co-Operative) Have just been sending the good old "you must pay the full amount due" letters and not responsed to my CCA request.

 

I take it of the three that have not responded to my CCA request I can continue to ignore until the 30 calander days have also passed, and ignore Mints somewhat futile attempt to get me to contact them.

 

TIA.

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Of the six debts I have, two have agreed to payments of £10 a month, I never bothered to CCA these as they were being reasonable, should I still send these a CCA to see what goes?

 

It's still worth doing IMO as you may be in a position to offer a reduced settlement at a later stage and if the agreement isn't up to scratch or they can't find it this gives you more leverage.
I take it of the three that have not responded to my CCA request I can continue to ignore until the 30 calander days have also passed, and ignore Mints somewhat futile attempt to get me to contact them.

Yes just continue to ignore them.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Just been searching the forums and found this thread:

 

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/116279-heathermc-mercers.html?highlight=application

 

The form in that is the same as the one I received, so would that make it unenforcable?

 

Also the Halifax one I received is blatently an application form but I'm not sure what to look for to see if it's valid (even the covering note said here is the application form you requested, which I obviously didn't)

 

Thanks

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I am sorry.....but in my opinion BOTH agreements are enforceable (yours and heathermc)

 

that is to say they are NOT unenforceable, If they went to court a judge would not have a problem enforcing them

 

they DO have the prescribed terms......

 

1....credit limit (we will set it and tell you, we may vary it )

2....repayments schedule

3....apr (or interest examples)

 

everything else is arguable, but eventually enforceable

 

I'm afraid you might lose on this one

 

sorry

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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