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    • Hi, I've been reading the invaluable advice on this forum and reading about the problems with Evri and lost delivery of items.  From what I gather the initial steps after having exhausted every's own lost item claim process is to draft a Letter of Claim, I think it is called and to register with the government Money Claims.  I have got a login for Money Claims and have made an initial stab at the letter but I'm not certain I have got it right. Am I right to assume that having exhausted Evri customer service's claims process and having received the denial of any compensation because the laptop I was sending is on the non-compensatory list that my next step would be to send the Letter of Claim to them? Let me provide some basic details which I hopefully have addressed in the letter. I purchased a laptop through Amazon.co.uk which a business in Belfast sold refurbished laptops through.  They had a 30 day money back guarantee for a full refund if you have any issues with the laptop.  I have the invoice from Amazon showing the purchase.  On 27 April, 2024 before the end of the 30 day period I used their ParcelShop (inside a Tesco) to send the laptop back and have the tracking reference mentioned in the letter.  As mentioned in the letter there was they advised they could not give me or sell me any insurance because laptops are on the non-compensatory list so I just paid the normal delivery cost.  It was scanned as leaving the ParcelShop on 29 April and the tracking has been like that ever since.  After a 28 working day Evri claim process they gave the expected response that they could not provide any compensation and simply could not proceed with my claim. I was hoping to get some advice on whether I go ahead now and email this to Customer Services straightaway and should I send a hard-copy to the Evri address as well?  Or are there any steps I have missed out on first?  I believe 14 days is the reasonable period of time for them to respond so if I were to send it tomorrow, for example 12 June then I should expect a reply by 26 June, is that correct and fair?  And assuming they don't reply with a full refund then I would then go down the government Money Claims site to proceed with that? Sorry for all the questions, I want to make sure I go about it properly.  I'll continue to read through other cases on here so I can get an even better handle on the process. I attached a LOC, happy for any edits or updates that will make it even better. Thanks so much for anyone's help! Regards, Matt Evri letter of claim.docx
    • The date was 3 June. Get on MCOL now. The legal principle is that, even if you defence is late, if the other party hasn't requested judgement, then your defence takes priority and is accepted. You might be in time. When I say now I mean now.  Recently we had someone who was nine days' late and this was pointed out to them at 5:30pm.  They faffed around till 11pm.  When they went on MCOl they saw that judgement had been entered at 7pm. Every minute is vital. File the below standard defence if you still can - 1.  The Defendant is the recorded keeper of [motor vehicle]. 2.  It is denied that the Defendant entered into a contract with the Claimant. 3.  As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance.  The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner.  Accordingly, it is denied that the Claimant has authority to bring this claim.    4.  In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5.  The Claimant is attempting double recovery by adding an additional sum not included in the original offer.  6.  The Particulars of Claim is denied in its entirety.  It is denied that the Claimant is entitled to the relief claimed or any relief at all.
    • Hi friends,  I’m a bit worried I may have got confused with timings here. I thought I had 33 days from my acknowledgment to submit a defence but the date added above says 3/6/24.   have I missed the date?   if so how can I apply for an exception due to my disability and problems with deadlines and dates etc (ADHD)?   what should I submit as a defence?   I’ve had no reply from BW so far    just been back on MCOL and it says 28 days from service if I completed an acknowledgment of service so does that mean 28 days from that of acknowledgement (I.e. 16/5) which would make deadline for defence 14/6?   Thanks! Panicking here.
    • Normally we don't advise playing your cards early in a snotty letter, but as you have appealed we might as well use what you wrote in the appeal against them. There is no rush, you have until 6 July to get it to them.  See what the other regulars think too. How about something like this? -   Dear Rachael & Sean, cheers for your Letter of Claim.  I rolled around on the floor in laughter at the idea you'd actually thought I'd take such tripe seriously and would cough up! As usual you'll have been too bone idle to do any due diligence.  Had you done so you would have seen that I appealed to your client.  Indeed the driver on the day is a textbook example of having done exactly what you should do when you do not wish to be bound by the T&Cs in a private car park. Of course none of that mattered to the spivs you represent but do you really want to put such a useless case in front of a judge? To be fair, your clients are very useful members of the human race - as comedians.  How I loved the page turner of their antics at The Citrus Building in Bournemouth.  It was chuckle after chuckle reading about them, letter after letter, month after month, insisting they were legally in the right, even through someone who had done just the first day of a GCSE law course could have told them they weren't.  Until the denouement - BOOM - an absolute hammering in court.  In fact - SLAM, BANG - managing to lose twice against the same motorist for the same car park in front of two different judges. Your client can either drop their foolishness now or get yet another tolchocking* in court where I will go for an unreasonable costs order under CPR 27.14(2)(g) and spend the dosh on a nice summer holiday, while every day laughing at your clients' expense. I look forward to your deafening silence. COPIED TO COUNTRYWIDE PARKING MANAGEMENT LTD   *  This word is used under licence from Brassnecked
    • Well yes, ... and the tax dodgers ... Trump May Owe $100 Million From Double-Dip Tax Breaks, Audit Shows A previously unknown focus of an I.R.S. audit is a dubious accounting maneuver that effectively meant taking the same write-offs twice on a Chicago skyscraper. nytimes.com WWW.NYTIMES.COM  
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Emma v Natwest


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Right, I'd tried playing nice with these people and they have decided to not budge. I sent them a nice letter asking, in light that they took £38 from my benefits, could they refund it. They said no, the charge had been applied correctly.

 

So fine we'll do this the hard way- with a built in case for hard ship, if being on IS counts. As there is only one blinking charge, I don't mind. Straight to the prelim letter for me. Full speed ahead.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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£38 - I bl**** need that back!

 

Plus I've definitely got hardship. I am thinking of putting that in my prelim- you know, the legal-ese equivalent of-

 

"and don't think this will go on hold when it goes to court, Natwest- as you know from my account our only income is benefits and so if this goes to court, we will be asking for the stay to be lifted due to hardship."

 

Just to make them fully aware of my intentions.

 

The only good thing about being on benefits is no fee at the court... you still have to pay for the bus fare though!:rolleyes:

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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If it went to court, it would get stayed regardless of anything. However, possibly ringing up as it was the first occasion and the circumstance might produce a different result.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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I have written to the bank and today (as they can't locate my letter) I spoke to them on the phone.

 

As this is a genuine case of hardship, I don't see why the bank should not look at it.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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OK, where did you send the letter? If it was to the branch, they will forward it to the correct team.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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I sent it to the branch who say they have forwarded to the customer centre who say they haven't got it. They forwarded me to the bank charges department who say they will not refund the charge.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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I think the branch have forwarded the letter to here

Customer Service Response Unit

The Cornerstone

60 South Gyle Crescent

Edinburgh

EH12 9WF

 

The number you have been given is Customer Relations Unit based in Hertfordshire......and if the branch had sent it internal post then it could be a couple of days until the CSRU receive the letter and therefore have to deal with it in the order it is received.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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If they are the people I spoke to, I won't hold my breathe.

 

The number I rang was the bank charge unit, listed in the contact details on here. 08000154212

 

Any ideas on what to put in the prelim?

Edited by emmaf01
info

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Sorry if I seemed a little short earlier, YB. I was still a bit wound up. I know you are only here to try and help!

 

I'll approach my prelim tomorrow(later today) child allowing.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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emma, no need to apologise because words can be read in so many ways. I understand frustration very well.

This is an internet forum with invisible faces and names. I am continually surprised how one man is a woman and another woman is a man and that is just from a username. I dare not guess anymore cos I either cut off or add things that only a professional surgeon should do;)

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Well I'll just do the prelim over the weekend.

 

YB, do you think it is worth putting in about the hardship involved?

 

I want to give Natwest every possible opportunity to reverse this with out me taking it all the way. Not that I won't if I have to.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Well, the obvious really, its a first offence and the bank is being very rigid in the application of its own policy. Surely as a new customer they would have looked at either giving a one off Gesture of Goodwill refund or offered half. But hey ho, if they want the additional expenses of it all, then I guess they want to pay more than £38 to settle it.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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And you are vehemently pro-bank?

 

I'd hate to be on your wrong side, YB!:)

 

I'll work out the prelim with a big note so they know that there is hardship involved, so they can't say they weren't informed, as per the FOS guidelines.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Well before I've had a chance to send them a prelim, Natwest have sent me a letter- and what a letter it is.

 

They have acknowledged receipt of my complaint (I wish my scanner was working), because its about bank charges, blah blah, test case blah blah.

 

"In accordance with our agreement ith the FSA we are obliged to review accounts to establish if customer may be experiencing difficulty meeting their financial commitments.

 

In order for us to understand and review the full extent of your financial position please complete, sign and return the attached "Customer financial statement form" together with an explanation of the circumstances leading up to your inability to meet your commitments.

 

Following the receipt of a signed and completed form, we will review your overall financial position. If we determine that your case can be considered as financial hardship we will take it forward in line with our Hardship policy. This aims to help you avoid further debt and assist you to recover from your hardship. In doing so we will review your existing banking facilities which may involve:-

 

-Opening a new account or changing your account to a type with no lending facility attached

-Cancellation of non-essential direct debits and standing orders on your account- essential direct debits and standing orders can be reset up on the new account if necessary (eg mortgage, rent, council tax, utility bills etc)

- Return and cancellation of cheque guarantee cards/Maestro cards- a cash card can be issued on the new account

- Return and cancellation of cheque books

- Income to be diverted to any new accounts opened

- A mutually agreed monthly sum would be set up on a standing order from the new account to any debt on the existing account

 

Please note that a recognition of financial hardship does not necessarily indicate that a refund of charges will be made. Our hardship policy aims to help our customer avoid further debt and so assist them in recovering from hardship. "

 

What a loud of horse manure for the (possible) return of my one and only ever £38 returned direct debit charge on a Step Account.

 

Does this mean they will take away my debit card? And for this I need to provide four pages of detailed financial information, which actually I would rather not give them.

 

I am not in debt to them at all. So why they need to know everything- they can see the only income we have is benefits. Do I need to include my husband's info too? (It's only Carers Allowance, but he doesn't have a bank account at present so its paid into my account.)

 

I don't know what to do.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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I think its specifically your information if the account is in your name alone. NatWest do have a number of options on current account not available to everyone, ie a very very basic basic account with No Direct Debits allowed or cheque book overdraft or even branch services and a cashcard. I doubt your circumstances would fall within this remit.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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I really hope so, YB, because without the Solo card, I would need to got to another bank with a debit card- we have an area with few cash machines, so cash back is vital.

 

I know its a mad thing to get wound up over, but experience has made me wary of giving banks too much information.:rolleyes:

 

If you think it is kosher though, YB, I'll do it. I just worry that it will bite me on the backside at some point.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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I think they are doing it because of the FSA Waiver on bank charges. That means that they are trying to make sure that they are following their statutory duty in cases of Hardship. I suspect everyone claiming charges back may well be getting this form.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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I don't doubt it- I just think that suggesting that after they have this form you may get your cards and cheque book taken off you and be forced into a very very basic account.

 

I know I'm cynical, but I think that letter may just stop some people from going any further with their charge claim!:eek:

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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IF they do that then they will see what getting in my bad books really means, pmsl.

Never give up until you win.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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I'm a fighter- I just don't see why they want to know my full list of assets, liabilities and an explanation of why I can no longer meet my commitments.

 

I'll do it- but I'm not happy because I owe them no debt whatsoever.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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I would suggest if you were going to do something, then never post it before you do it on a publicly accessable forum.

The article I have already made comment on in the "media articles" on the forum. It's nothing new to the debate on the OFT test case as they have said more or less the same in their Q&A bit on the same topic.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Don't worry, YB- I'm not doing anything yet.

 

I believe in the process. If Natwest wish to add this into the process, my overall view will be to go along, fill in their expenditure form and show hardship. Doing that is following all the available guidelines. We see what happens next from Natwest. It is their turn, within reasonable time limits (14 days should suffice).

 

The funniest thing about all of this is I wouldn't have gone overdrawn if I hadn't mixed up the fact that my old account (at HSBC) had a £10 buffer. I checked my account, saw I was under £10 and the direct debit was showing as paid. The next day the account was back well in the black.

 

Two weeks later I check my account to find the direct debit had gone through (again I thought), putting my account over £10 overdrawn. I looked back to find that the first time it hadn't gone through, it had been bounced after I'd looked and instead the £38 put through.

 

Funnily enough, the second time it went through- even though it put me twice as overdrawn as it would have if they had left it the first time- but no charge!

 

The next day, I got the letter informing me of the DD bouncing and the £38 charge. Banks are weird.:confused:

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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£38 - I bl**** need that back!

 

Plus I've definitely got hardship. I am thinking of putting that in my prelim- you know, the legal-ese equivalent of-

 

"and don't think this will go on hold when it goes to court, NatWest- as you know from my account our only income is benefits and so if this goes to court, we will be asking for the stay to be lifted due to hardship."

 

Just to make them fully aware of my intentions.

 

The only good thing about being on benefits is no fee at the court... you still have to pay for the bus fare though!:rolleyes:

 

 

 

Keep the tickets Emma and add it to your costs.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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