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    • Morning, I purchased a car from Big Motoring World on 10th December 2023 for £14899.00. On the 15th December I had a problem with the auto start stop function of the car in which the car would stop in the middle of the road with a stop start error message. I called the big assist and the car was booked in for February. The BMW was with them for a week and it came back with the auto stop start feature all fine and all error codes cleared on the report from big motoring world. within 5 days I had the same issue. Warning light coming on and the car stopping. I called big assist again and the car was again booked in for an other repair in May. Car was taken back in may, they had the car for a week and returned with the report saying no issue with the auto stop start feature and blamed my driving. Within 5 days of having the car back it broke down again. This time undrivable. I had the rac pick my car up and take to Stephen James BMW for a full diagnostic. The diagnostic came back with the car needing a new fuel system as magnetic swarf was found.  I have sent big motoring world a letter stating all the issues and that under the consumer rights act 2015 I have asked for a replacement vehicle. all reports from Stephen James BMW have been sent over to big motoring world. Big motoring world have come back and said they will respond to my complaint within 14 days for the date of my complaint letter. I am not feeling confident on the response from them, what are my next steps?   Thanks in advance. 
    • That is really good is that a mistake last off "driver doesn't have a licence" I assume that should be keeper? The Court requested me to send the Court and applicant proof of my sons disability from their GP this clearly shows he has Severe Mental Impairement, he is also illiterate.  I naively assumed once the applicant received this that they would drop the claim.  It offends me that Bank has asked the Judge to throw the case out at the preliminary hearing and to make us pay up.
    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” 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; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [2][a] states  (2)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; The PCN only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

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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.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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RBS Loan stressing me out!!!


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Hi,

 

I owe £9000 to RBS, and its stressing me out. My loan was originally around £2000 8 years ago, but was refinanced to cover overdrafts - this was under the advice of the RBS, even though i was earning barely £600 a month. Each time it was re-financed I was put on a massive interest rate. So that now, its around £6000 + interest = £9000. Then 2 years ago i was unemployed, and the RBS closed my account as I could no longer make the payments required. They now expect the full amount. :(

 

I am dealing with AIC ,whom I see are not too popular, and have sent a letter asking to pay £200 a month. I am a student with a part-time wage, and earn £600 a month, minus £300 rent, so £200 seems more than fair, however, it has been rejected,and they still want the full amount.

 

What the hell do i say to these people??? I do not want them turning up on my doorstep. And the phone calls have just begun. I do not want to bury my head in the sand, but these people do not make it easy.

 

Any advice or help is appreciated. You dont half feel alone when it comes to debt :(:(:(:(

 

D

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In the first instance i would, if you can really afford to do it, is start paying 200 pounds per month. Personally based on your figures i think 200 is too much, can you really live on 100 pounds a month? You dont mention travel expenses, food, clothing etc only rent.

 

I highly suspect that AIC won't refuse your payment, and if they keep demanding the full amount tell them to issue a court summons. If they do, you defend by saying you made monthly repayment offer, it wasn't accepted or refused by AIC but you proceeded with making the payment anyway. Based on this you ask that the judge considers allowing you to continue making the monthly payments. This should see you in good light.

 

Obviously if you dont keep up with the repayments, then a CCJ will/may be issued if AIC go down this route

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if ias you i would start by sending a sar to rbs. This will get you all they info they hold and you would be able to calulate what charges are reclaimable.

 

http://www.consumeractiongroup.co.uk/forum/scotland/94302-updated-scottish-procedure.html

 

this will cost £10 and you need to send recorded delivery and they 40 days to comply

 

i would then send AIC a cca request, this will hold them up a bit and this is you requesting to see a copy of any alleged agreement they should have.

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter

 

this you need to include £1 po and do not sign the letetr just print your name and again send recorded delivery

 

 

Ida x

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Ida's advice as usual is excellent. You can also inform them you will only deal with this matter in writing, and ask them to remove your phone number from their records. There's a letter for this in the template section. Send alll your letters by recorded delievery as they'll deny receiving them. If they call, tell them 'in writng only' and refuse to answer their security questions. It's best not to talk to these people as they only try to harass you into apying them more than you can afford.

 

Once they send you a copy of your agreement, post it up minus your personal details and people can advise whether it is enforceable or not.

 

Then if you want to pay them each month , you decide the amount not them. Work out how much you need for rent, electricity, food, travel etc, insurance, prescriptions, clothes, entertainment etc etc before thinking about what to offer them. There are plenty of people who owe similiar sums paying back £10 per month or less because that's all they can afford after deducting living expenses. AIC don't care if you starve.

 

It's also against Trading Standards regulations for a company to refuse a reasonable repayment offer based on a persons individual circumstances, so report them for that as well.

 

Above all don't worry, you'll get all the help you need from the good people on this site.:-)

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this is the letter that veryweary has mentioned:

 

Re: Harassment by telephone

 

ACCOUNT NUMBER: XXXXXXX

Dear Sirs

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary)

I now require all further correspondence from your company to be made in writing only.

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to, FOS, OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

Be advised that any further telephone calls from your company will be recorded.

 

Also I note it is your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you.

There is only an implied license under Scots Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc. Therefore take note that I revoke license under Common Law for you, or your representatives, to visit me at my property and if you attempt to send such a collector to my home, you will also be reported for harassment and I shall seek damages for a delict of trespass. You would also be liable for conspiring in a delict of trespass by acting in defiance of my instructions and sending someone to visit me nevertheless. Should it be necessary, I will obtain an interdict from the Court to prevent you carrying out your threat.

 

 

Yours faithfully,

 

Ida x

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Hi,

 

I owe £9000 to RBS, and its stressing me out. My loan was originally around £2000 8 years ago, but was refinanced to cover overdrafts - this was under the advice of the RBS, even though i was earning barely £600 a month. Each time it was re-financed I was put on a massive interest rate. So that now, its around £6000 + interest = £9000. Then 2 years ago i was unemployed, and the RBS closed my account as I could no longer make the payments required. They now expect the full amount. :(

 

I am dealing with AIC ,whom I see are not too popular, and have sent a letter asking to pay £200 a month. I am a student with a part-time wage, and earn £600 a month, minus £300 rent, so £200 seems more than fair, however, it has been rejected,and they still want the full amount.

 

What the hell do i say to these people??? I do not want them turning up on my doorstep. And the phone calls have just begun. I do not want to bury my head in the sand, but these people do not make it easy.

 

Any advice or help is appreciated. You dont half feel alone when it comes to debt :(:(:(:(

 

D

 

I would begin by sending a Credit Card Agreement request to NatWest. Include a £1 Postal Order.

 

If they cannot produce the Agreement within 14 +2 days, you can send them an Account in Dispute' letter and withold payment until they produce Agreement.

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Sequest

 

From reading the post Darney is not disputing the debt or has Darney said they cannot pay, he/she have made an offer of payment after all.

 

I like to think that requesting of the agreement and going down that route is to be used only as a last resort, it is not there for an easy way out.

 

I have used the CCA request but only when all other avenues have been exhausted, and it was as a last resort. By going down that route it has ruined my credit status.

 

My opinion is that in the first instance you should always make an offer to pay and try and sort out the debt the right way.

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Two threads merged.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Sequest

 

From reading the post Darney is not disputing the debt or has Darney said they cannot pay, he/she have made an offer of payment after all.

 

I like to think that requesting of the agreement and going down that route is to be used only as a last resort, it is not there for an easy way out.

 

I have used the CCA request but only when all other avenues have been exhausted, and it was as a last resort. By going down that route it has ruined my credit status.

 

My opinion is that in the first instance you should always make an offer to pay and try and sort out the debt the right way.

 

I agree with you that it is best to try to sort out payment first but Darney has offered an amount he can reasonably afford and it has been turned down. There is no point in being forced to pay an amount you cannot afford because in the end you will default. Consequently, if they do not wish to abide by the Bankers Code of practice by being reasonable to their customers and checking his ability tp pay when granting the loan, then this is probably the best way to proceed. It also seems to me that he could claim Unfair Relationship if he proceeded to court as the bank clearly did not take into account his financial situation.

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sorry yaff but i disagree with you, i would always check first that any company has the right to collect payment first.

 

that's like me saying yaff you owe tsb £4000 but pay it to me.

 

I stand by original post

 

Ida x

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it seems we don't know enough about the refinancing to pass valid comments here. I realise that the loan has got bigger over the years but surely the decision to proceeed was darney1's or did they lock him/her in the room until he/she signed?

 

From my experience the loan payments will have been weighed against affordability criteria at the time of the application then checked and signed off by a manager before the loan was drawn. If the increased lending was for overdrafts, the money had obviously already been spent and in most cases the loan's interest rate would be below the overdraft rate. It seems the real problem came along with unemployment which would affect most of I guess.

 

The thing is that life must now go on and no matter how much the collectors want to take, you still have to pay for food, heating, rent etc. Its one of the joys of unsecured lending. The bank knew the risks and happily took them.

 

I agree that £200 is way too much from £600 income so no matter how much they scream and shout, they'll just have to wait, or take the case to court which they won't do as they know you can't get blood out of a stone.

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sorry yaff but i disagree with you, i would always check first that any company has the right to collect payment first.

 

that's like me saying yaff you owe tsb £4000 but pay it to me.

 

I stand by original post

 

Ida x

 

What are you saying..spend 9k of someone elses money then only pay it back if they have the right to collect it! Ok legally they might not have a right but morally the money was spent and should to be re-paid. This i where it gets my goat that some people (not saying this thread in particular) simply use the CCA as a tool to avoid paying.

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What are you saying..spend 9k of someone elses money then only pay it back if they have the right to collect it! Ok legally they might not have a right but morally the money was spent and should to be re-paid. This i where it gets my goat that some people (not saying this thread in particular) simply use the CCA as a tool to avoid paying.

 

EXCUSE ME..........but I think you will find, if you take the time, that in this case the person in question is not using any "tool to avoid paying":confused:

 

..........and in fact in the vast majoroty of cases people simply expect to pay back only what they borrowed........not unreasonable interest charges, PPI's that they haven't been able to rely on and all the other charges that creditors seem to think it is clever to impose on those who obviously haven't the means to repay..........by the way what's your real name SHYLOCK............krj8:-x

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EXCUSE ME..........but I think you will find, if you take the time, that in this case the person in question is not using any "tool to avoid paying":confused:

 

..........and in fact in the vast majoroty of cases people simply expect to pay back only what they borrowed........not unreasonable interest charges, PPI's that they haven't been able to rely on and all the other charges that creditors seem to think it is clever to impose on those who obviously haven't the means to repay..........by the way what's your real name SHYLOCK............krj8:-x

 

No i totally agree with you with regards to unreasonable interest charges, PPI etc.

 

Though if you take the time to read back through the threads, i have not suggested the original poster is using the CCA as a tool to avoid paying at all, he asked for advice and i suggested that he, in the first instance, pay what he can afford, it was subsequent posts that suggested going down the CCA route. Which in my opinion (and we are allowed one on here!) is to be used as a last resport.

 

I am a Christian and find your Shylock comment offensive, we are all entitled to our opinions this forum is here to help others.

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No i totally agree with you with regards to unreasonable interest charges, PPI etc.

 

Though if you take the time to read back through the threads, i have not suggested the original poster is using the CCA as a tool to avoid paying at all, he asked for advice and i suggested that he, in the first instance, pay what he can afford, it was subsequent posts that suggested going down the CCA route. Which in my opinion (and we are allowed one on here!) is to be used as a last resport.

 

I am a Christian and find your Shylock comment offensive, we are all entitled to our opinions this forum is here to help others.

 

 

It may surprise you to know that I too am a Christian and I found your post extremely offensive..........that is why I replied in such strong terms. I'm so glad you got my point.:cool:krj8

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Please think carefully about what you post.

 

Offensive comments will be removed to protect other members.

 

Thank you.

 

Lex

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This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Please think carefully about what you post.

 

Offensive comments will be removed to protect other members.

 

Thank you.

 

Lex

 

 

I do hope you have sent this message to "yaffsimone1" as well. I found the comments about my motives in trying to make sure that I repay only what I owe to be extremely offensive.

 

kind regards

krj8:!:

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sorry yaff but i disagree with you, i would always check first that any company has the right to collect payment first.

 

that's like me saying yaff you owe tsb £4000 but pay it to me.

 

I stand by original post

 

Ida x

 

 

Hi Ida

 

I agree with you completely. Also it is not at all supportive for anyone to suggest that a CCA request is any kind of tool to avoid paying. What a CCA request does is prove or disprove that the amount being sought for repayment is accurate and can be enforced. People who come to this site are, like myself in extreme financial diffuculty. They need support, not critisism. I'm sure others will agree with me when I commend and thank you for your non-judgemental approach & supportivenss.

 

kindest regards

krj8:)

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if ias you i would start by sending a sar to rbs. This will get you all they info they hold and you would be able to calulate what charges are reclaimable.

 

http://www.consumeractiongroup.co.uk/forum/scotland/94302-updated-scottish-procedure.html

 

this will cost £10 and you need to send recorded delivery and they 40 days to comply

 

i would then send AIC a cca request, this will hold them up a bit and this is you requesting to see a copy of any alleged agreement they should have.

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter

 

this you need to include £1 po and do not sign the letetr just print your name and again send recorded delivery

 

 

Ida x

 

hi Darney1

 

Ida's adivce is very sound. If we can take it as read, that you are not disputing that you are in debt. What you are disputing is the amount of indebtedness and the means being used to recover it.

 

So with that in mind, what the CCA request does it put the matter on hold, so that you can look into the matter of the amount of indebtedness.

 

The SAR request will then hopefully give you the information you need to accurately quantify what you owe.

 

 

I hope that some of the posts on this thread have not confused you. In my experience the majority of people on this site really do wish to help you.

 

kindest regards

krj8:D

Edited by karenruthj8
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