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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
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      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.

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CCA REQUEST TO MBNA my journey by Maz


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Sadly I do know:rolleyes:

 

I've had to force myself not to come on in the evenings recently, after many many nights of hubbie saying I should come to bed, and me answering with 'yep, I've just got one more page on this thread'. Then obviously getting sidetracked, opening up 4 other threads which lead to more threads, and eventually getting to bed at 3:D

 

It's just too addictive getting to know your rights...

Time flies like an arrow...

Fruit flies like a banana.

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Sadly I do know:rolleyes:

 

I've had to force myself not to come on in the evenings recently, after many many nights of hubbie saying I should come to bed, and me answering with 'yep, I've just got one more page on this thread'. Then obviously getting sidetracked, opening up 4 other threads which lead to more threads, and eventually getting to bed at 3:D

 

It's just too addictive getting to know your rights...

 

 

No Comment.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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hello all

 

welcome to those of you newbies who have subbed, i do hope my thread is of help and it makes sense, cos if it does pls let me know lol

 

anyway, a bit of an update after my latest mad letter, it appears they have now understood or decieded that im complaining,,,oh only took them a few months to realise that, but anyway i think they have finally got the message so will awiat on the latest reply from them and let you know,

 

i will see what their next move is now, keep happy and chill, ciao for now maz

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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No Comment.

 

 

plsllslslslslllllllll pls can i just say "Get me Outa of here"......;lol

 

 

 

off to bed have a fun day ciaooooooooooooo maz:grin:

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Hi Maz.just popped onto your thread to say hallo and see how you are doing!I am so glad you have found some more amunition in you sar request to help you in your war with MBNA! I have sent of Cars letter to MBNA telling them that their response to my cca request not good enough and should be the true original copy.and thanks for providing me with a tip about also bringing up the fact that their CCA is almost unreadable!Hope you have a nice weekend!

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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  • 2 weeks later...

hiya update

 

they have sent a final letter i need to go the fos

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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update on this

 

they say have supplied the terms and conditions and the faint illegible cca's so have considered all for me, and sent final letter and refers me to fos,

 

i will be sending fos the information

 

will this now continue as a dispute ? until the ombudsman declares them right or sits on the fence or heaven help actually says possibly we are right? holding my breath

 

if it continues as a dispute until the ombudsman comes to a decision i can continue to withhold payment?

 

they also cannot add further charges or interest ?

 

also as ive 3 claims for the same creditor should i do 3 seperate claims and put each information on each claim as the final letter summised all 3 accounts?

 

i dont want the 3 accounts mixed up in anyway, i want them treated seperately can i do this?

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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update on this

 

bumping up as need advise pls on my previous post

 

my daughter took a call today and they told her a number for me to call them back,

 

im upset that they have manipulated my daughter to be used as my PA, when they have already had a letter in the past to discuss all in writing to me and from me,

 

i think i need a strong letter in responce to this and also should i mention info being sent to fos too, will now post on monday

 

and no i wont be calling them back, im looking to see if i can find my previous letter so i can include this to all and also maybe now a direct complaint to ts and oft?>??

 

many thanks im off to do a coffee and i will be here for a few hours

 

ciao maz

Edited by maz1964

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Hi

must jus pop in to comment.

I believe ignoring is not the best policy, I would not wish to be ignor-ant.

Any creditor legit or not will appreciate correspondence over silence, even when it makes em fume! (I've had to chase debts sometimes)

Communication keeps the world turning.

When I have tried ignoring creditors things jus seem to get worse :(

and when I've communicated it all feels better :) even if its not!!

Clear the head--get on paper

Cheers

 

H & H

 

 

hiya H & H

 

i really did take your advice and i got then the Final letter, lol

 

so there is me up for a good communication and i got stopped in my tracks so to speak .... this is funny

 

oh well onto the fos i guess now unless all you kind caggers can now advise on my previous couple of posts

 

have a fun day ciao for now maz

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Hi Maz! Thought i would pop on and bump up your thread! I know it is worrying not knowing what to do for best!and quite often in situation where you get conflicting advice,especially when we are new to the game,I hope someone pops onto give you advice soon!It will be interesting to find out what FOS opinion is though,

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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many thanks Sunflower,,,,how are you okay?

 

im just so cross today, im fired up to doing anything in writing of course lol

 

ll wait on the experienced caggers like you say we are pretty new to all this

 

take care and cya soon ciao maz

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Hey maz:)

 

I think if you haven't already this looks like it needs taking to the FOS. From what I remember the 'agreement' was a scrap of paper with something illegible on it (but that didn't appear to be the prescribed terms)? If this is the case and they're refusing to budge, there's not much else you can do.

 

I'm not sure how to go about the whole FOS thing though. I've been trying to read RMW's excellent thread, but there's too much going on round here at the moment for me to concentrate properly, so I haven't got far through it.

 

I also don't know if you do separate complaints for each, or if you can do 3 in 1.

 

In fact, looking at my post now, it appears I'm only able to give moral support rather than actually being useful:rolleyes:

 

At least I'll have bumped this a bit for you:D

 

Take care

 

Lexis:)

Time flies like an arrow...

Fruit flies like a banana.

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HIYa LEXIS

 

oops sorry caps,,,i got interrupted a friend just called was thinking of posting you a message actually thanks for the bump

 

yes im off for the rest of the week, and will be putting my cases to fos

 

i was advised by cb on another of my threads i think the alliance/leice if i recall but anyway

 

have a look at my monument thread,,,so excited,,,,,,,

 

sorry to divert you all but pls take a look,,,,,,,

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/167979-cca-monument-my-journey.html

 

 

ciao for now maz will update you tomorrow on this thread

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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update on this

 

they say have supplied the terms and conditions and the faint illegible cca's so have considered all for me, and sent final letter and refers me to fos,

 

i will be sending fos the information

 

will this now continue as a dispute ? until the ombudsman declares them right or sits on the fence or heaven help actually says possibly we are right? holding my breath

 

if it continues as a dispute until the ombudsman comes to a decision i can continue to withhold payment?

 

they also cannot add further charges or interest ?

 

also as ive 3 claims for the same creditor should i do 3 seperate claims and put each information on each claim as the final letter summised all 3 accounts?

 

i dont want the 3 accounts mixed up in anyway, i want them treated seperately can i do this?

 

Hi Maz

 

Yes the claim should remain a dispute. It may also be worth copying your complaint to trading standards. If the agreement is unenforceable they obviously shouldn't be adding interest / charges. If it were decided it is enforceable then they are entitled to add interest, but of course you can reclaim charges.

 

This is now my personal view. I withheld payment from Weightmans who were collecting on behalf of HFC because they did not provide an agreement. I wanted the agreement to look at the PPI and what i'd actually signed up to. 10 months later they issued legal proceedings and lo and behold an agreement turned up that appears to be enforceable. I am now in a real battle and will not come out of it unscathed.

 

Because of this i would not offer any advice with regards to withholding payment. It has to be a personal decision and one you are happy with.

 

I don't want to worry people, but i just want people to remember things aren't always as straightforward as they should be.

 

Obviously if you wish to have the debt declared unenforceable and to leave it at that, then to make payments / reclaim charges would contradict that.

 

So i'm ending a little like Lexis, leaving you with lots to think about and not necesarily all the answers!!

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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Hi Maz!

How are you! So sorry things are difficult and you in a diliema about what to do next! I know it is not always easy to know what next move should be,I have heard on other threads though that it does not damage your case to much if your account is in dispute because of a unenforceable or no CCA if you offer to and do make regular payments as there was some case quoted where payments in this case were voluntary good will payments and viewed as a gift or something and not stating that you had an enforceable agreement as such!I cant remember where i !saw this thread! but sure i saw that somewhere!:-)

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Hi Guys! OH and I have ended up with 3 accs with our friends. 1 in my name, 2 in OH's. Our friends have been lumping his 2 together (AA99 v MBNA Accs.2&3) and mine separate (AA99 v MBNA Acc.1).

 

We received a blaaaaaaaaaaaah CCA for 2&3 and nothing for Acc.1. Am waiting for SAR's for both of us (21st Nov) and will be LBA'ing them next. Haven't paid a penny to any of the accs since 08 Sep when we first approached them with a Hardship Letter and I&E Form, so they can keep adding their 30% interest and charges every month for all we care! We shall be happy to repay our debt on our terms once they agree....... otherwise they can also have £1 p.m. Our Credit reputations are already st****d so we don't care any more :(

 

Keep on keeping on !:-x

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Just taken this little snippet into the charging of interest on late payment charges etc

Taken from the CCA amendments 2006

 

"In addition, interest on default sums will also be restricted to simple interest.

Failure to comply with the above requirements will impact on an agreement’s enforceability"

 

THis means that when they apply late payment charges to your account ...if they charge you compound interest on it...it "could " make the agreement hard for them to enforce.

 

sparkie

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now thats interesting

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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hiya sparkie and godmother,

 

how does this make is possible for us to check how they have applied the interest

 

thanks for the info by the way im still learning along the way

 

ciao for now maz

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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thats the same question as i was gonna post up Maz.

 

Any way i dont under stand the difference between interest rates and ompound interest so is there somine who can explain it in simple terms for me.

Edited by The GodMother
Adding a bit and spelling

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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thats the same question as i was gonna post up Maz.

 

Any way i dont under stand the difference between interest rates and ompound interest so is there somine who can explain it in simple terms for me.

 

Hi GodMother,

 

I'll try and explain in simple terms but someone who works in accounting or a bank would be best qualified, I'll post a couple of simple sums in a few minutes.

 

sparkie

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hey Godmother great minds think alike...lol

 

many thanks sparkie very much appreciated ciao maz

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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