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    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
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    • If you are buying a used car – you need to read this survival guide.
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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.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
        • Like

About to send in my charges - Last minute advice ***Settled ***


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Ok folks.

 

Today I shall be using Moneyclaim online to make a claim against the Halifax. As I mentioned before I have not officialy rejected the offer I received from Halifax. This was sent out after my LBA. I was going to just ignore it and proceed with the claim however the last couple of posts have made me think I may have gone wrong slightly. Can someone let me know if I need to to respond to the offer before proceeding with the claim online? If so does it matter that this will take me outside of the 14 day window which I have specified in my LBA?

 

Thanks folks for all your help!

10/08/06 - Prelim sent on - Here goes!!!:-o

29/08/06 - LBA sent on - more waiting!!:rolleyes:

13/09/06 - Claim Online Submitted!!

14/09/06 - Claim issued!

18/09/06 - Claim acknowledged!

19/09/06 - Claim Paid!!!!

:D;):D

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No of course it wont matter about your 14 day deadline the reason we say its better to reject their offer is because if it went to court it would look to the Judge that you tried to settle out of Court.

 

You can add any other charges to your claim up untill you file your claim, you just need to amend your list of charges

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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Sorry Mechs - so are you saying send in my rejection letter first - then claim. Or just go ahead and claim?

 

Thanks

10/08/06 - Prelim sent on - Here goes!!!:-o

29/08/06 - LBA sent on - more waiting!!:rolleyes:

13/09/06 - Claim Online Submitted!!

14/09/06 - Claim issued!

18/09/06 - Claim acknowledged!

19/09/06 - Claim Paid!!!!

:D;):D

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Ok so I think I understand. The letter template (below in green) however mentions no extension to the deadline as mentioned in my LBA. As that deadline is today shall I just ammend that paragraph to read (directly below) or leave as is?

 

Thanks again!!!

 

"My letter before action sent previously indicates that you have until 12/09/06 to respond before Court action commences. I am prepared to extend this until 19/09/06 as a result of your offer."

 

___________________________________________________________________

Dear [named sender or Sirs]

Thank you for your letter dated xx/xx/xx

I respectfully decline your offer of settlement and request, once again, that you return to me all charges imposed on this account, totalling £xxxx

 

I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder, with a County Court claim if necessary.

 

My letter before action sent previously indicates that you have until xx/xx/xx to respond before Court action commences. You are reminded that there will be no extension to this timescale.

I trust this clarifies my position.

 

 

Yours faithfully

________________________________________________________________

10/08/06 - Prelim sent on - Here goes!!!:-o

29/08/06 - LBA sent on - more waiting!!:rolleyes:

13/09/06 - Claim Online Submitted!!

14/09/06 - Claim issued!

18/09/06 - Claim acknowledged!

19/09/06 - Claim Paid!!!!

:D;):D

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Hello - me again (sorry!)

 

Thinking about all the advice above - I think I may just file the case with Moneyclaim. As Mechs mentions It will only be applicable if they go to court.

 

arrgh - im on the precipice and not sure what to do - but i'm bery excited by it all!!!!

 

:D :o :confused:;)

10/08/06 - Prelim sent on - Here goes!!!:-o

29/08/06 - LBA sent on - more waiting!!:rolleyes:

13/09/06 - Claim Online Submitted!!

14/09/06 - Claim issued!

18/09/06 - Claim acknowledged!

19/09/06 - Claim Paid!!!!

:D;):D

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Ok - just to update everyone. I have issued my claim online last night - I could not fit in the schedule of charges (not enough room online) but was told that if they require these they will ask for them. I basically copied the information from the Lucycat vs Halifax thread - thanks again lucycat for the help.

 

She got her settlement yesterday so I think I have done everythin correctly. Today I checked on MCOL and it has been issued - so 14 days for Halifax to respond and counting.

 

Fingers crossed - I shall update accordingly.

 

Good luck everyone else!

10/08/06 - Prelim sent on - Here goes!!!:-o

29/08/06 - LBA sent on - more waiting!!:rolleyes:

13/09/06 - Claim Online Submitted!!

14/09/06 - Claim issued!

18/09/06 - Claim acknowledged!

19/09/06 - Claim Paid!!!!

:D;):D

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Ooh, that's right, blame me! ;O)

 

I'd say good luck, but you won't need it - I'll keep my fingers crossed for a similarly speedy result for you, though! :O)

 

All the best,

 

Lucy.

Lucycat vs. Halifax 13/9 - £4496.99 - WON!

 

Lucycat vs. MBNA (Alliance & Leicester) - 16/11 - Offer of £295 received - pursuing £575.

 

Lucycat vs. HSBC - 15/11 - MCOL filed - £1438 (& interest at 8% - another £392.49)

 

Lucycat vs. Capital One 15/11 - Offer of £136 received - pursuing £340.

 

Lucycat vs. Halifax - Mortgage ERC - 18/10 - LBA sent - £466.32.

 

Lucycat vs. Halifax - Mortgage Charges - 9/11 - D.P.A. Non-Compliance letter delivered.

 

Lucycat vs. LloydsTSB - Loan PPI - 5/10 - Statement received.

 

Lucycat vs. LloydsTSB - 20/10 - Prelim sent for £45 - returned undelivered, recipient has 'gone away'...! :o

 

* Lucycat vs. Carphone Warehouse - 13/11 - S.A.R. delivered. * Lucycat vs. Volkswagen Finance - 9/11 - S.A.R. delivered. * Lucycat vs. Barclaycard - 15/11 - S.A.R. sent out.

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nothing wrong with plagiarism....got me through college

 

i'll probably use yours too Lucy when it comes to filing court action ;)

"Banks are people that will lend you an umbrella when it's sunny, but demand it back the minute it starts raining"

 

Brad v Halifax

22/08/06 - Preliminary Letter sent requesting full repayment of charges

06/09/06 - LBA sent to bank

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Ha ha. Nice.

 

Lucy - would I try and blame you ;)

 

Hopefully - looking at some other posts today I should be with a week of getting my money back!!

 

Can't wait!

10/08/06 - Prelim sent on - Here goes!!!:-o

29/08/06 - LBA sent on - more waiting!!:rolleyes:

13/09/06 - Claim Online Submitted!!

14/09/06 - Claim issued!

18/09/06 - Claim acknowledged!

19/09/06 - Claim Paid!!!!

:D;):D

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:D No we wouldn't blame you Lucy.lololol Are you still challenging me "chase me chase me:D :D :D .thanks for the support everyone kep it up.

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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Oh my god - Acknowledged and paid!!!

 

Thanks everyone - awesome. I just need to sort out a couple of bills - climb back down of the ceiling then make my donation.

 

Thanks again everyone - fab!:D

10/08/06 - Prelim sent on - Here goes!!!:-o

29/08/06 - LBA sent on - more waiting!!:rolleyes:

13/09/06 - Claim Online Submitted!!

14/09/06 - Claim issued!

18/09/06 - Claim acknowledged!

19/09/06 - Claim Paid!!!!

:D;):D

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Oh my god - Acknowledged and paid!!!

 

Thanks everyone - awesome. I just need to sort out a couple of bills - climb back down of the ceiling then make my donation.

Thanks again everyone - fab!:D

 

Excellent Mooner well done you!!!

Just out of curiosity was it a large amount. I've been fighting them for a while and no acknowledgement to one of my accounts at all?

Boo

;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

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Well done you!!!!!!!!!!!Congrat's

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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Hi all.

 

It was just over £3k with interest. Can't believe how quick they turned it round!!

10/08/06 - Prelim sent on - Here goes!!!:-o

29/08/06 - LBA sent on - more waiting!!:rolleyes:

13/09/06 - Claim Online Submitted!!

14/09/06 - Claim issued!

18/09/06 - Claim acknowledged!

19/09/06 - Claim Paid!!!!

:D;):D

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Congratulations Mooner, can you pleasee pm a mod with the details and complete the survey the links in my signature if you havent already done so

Thanks

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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What fabulous news - absolutely thrilled to bits for you! :O)

 

Well done you!

 

Lucy.

Lucycat vs. Halifax 13/9 - £4496.99 - WON!

 

Lucycat vs. MBNA (Alliance & Leicester) - 16/11 - Offer of £295 received - pursuing £575.

 

Lucycat vs. HSBC - 15/11 - MCOL filed - £1438 (& interest at 8% - another £392.49)

 

Lucycat vs. Capital One 15/11 - Offer of £136 received - pursuing £340.

 

Lucycat vs. Halifax - Mortgage ERC - 18/10 - LBA sent - £466.32.

 

Lucycat vs. Halifax - Mortgage Charges - 9/11 - D.P.A. Non-Compliance letter delivered.

 

Lucycat vs. LloydsTSB - Loan PPI - 5/10 - Statement received.

 

Lucycat vs. LloydsTSB - 20/10 - Prelim sent for £45 - returned undelivered, recipient has 'gone away'...! :o

 

* Lucycat vs. Carphone Warehouse - 13/11 - S.A.R. delivered. * Lucycat vs. Volkswagen Finance - 9/11 - S.A.R. delivered. * Lucycat vs. Barclaycard - 15/11 - S.A.R. sent out.

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Quick question.

 

On Money Claim I have now got two options;

 

The defendant has not filed an admission or defence to my claim (Judgement by default)

 

The defendant admits that all the money is owed. (Judgement by admission)

 

Which one would I choose considering Halifax have in their letter have said they have not admitted any liability???

 

Thanks in advance

10/08/06 - Prelim sent on - Here goes!!!:-o

29/08/06 - LBA sent on - more waiting!!:rolleyes:

13/09/06 - Claim Online Submitted!!

14/09/06 - Claim issued!

18/09/06 - Claim acknowledged!

19/09/06 - Claim Paid!!!!

:D;):D

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Can I ask if they have threatened to close your account or can you still use it. I'm in the process of opening a new account elsewhere and unsure whether to caryy on with it. I have 30 days in which to confirm that I want a new account but might wait and see what the Halifax say.

 

Thanks

 

Karen

August 06- S.A.R. handed into a Halifax Branch

Sept 06 statements received and first letter sent requesting repayment of charges totalling £3,90

beginning Oct 06 received phone call offering £1,397, said would accept as interim payment andLBA letter sent same day

mid Oct 06 MCOL submitted online

end Oct 06 paid in full including interest and court fee - £4,980!

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They have left my account open so still going to use it. They have put a bit at the end of the letter along the lines of we reserve the right to close your account should you get any more charges etc but if they do Ill just move my money elsewhere - their loss!

10/08/06 - Prelim sent on - Here goes!!!:-o

29/08/06 - LBA sent on - more waiting!!:rolleyes:

13/09/06 - Claim Online Submitted!!

14/09/06 - Claim issued!

18/09/06 - Claim acknowledged!

19/09/06 - Claim Paid!!!!

:D;):D

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Mooner, I just gave MCOL a ring with my claim number (after I'd checked all the money was in the account & snaffled it away to safety!) and advised them that the claim had been settled. The number is: 0845-601 5935 (9-5, Mon-Fri.)

 

Was very quick and painless! :O)

 

Lucy.

Lucycat vs. Halifax 13/9 - £4496.99 - WON!

 

Lucycat vs. MBNA (Alliance & Leicester) - 16/11 - Offer of £295 received - pursuing £575.

 

Lucycat vs. HSBC - 15/11 - MCOL filed - £1438 (& interest at 8% - another £392.49)

 

Lucycat vs. Capital One 15/11 - Offer of £136 received - pursuing £340.

 

Lucycat vs. Halifax - Mortgage ERC - 18/10 - LBA sent - £466.32.

 

Lucycat vs. Halifax - Mortgage Charges - 9/11 - D.P.A. Non-Compliance letter delivered.

 

Lucycat vs. LloydsTSB - Loan PPI - 5/10 - Statement received.

 

Lucycat vs. LloydsTSB - 20/10 - Prelim sent for £45 - returned undelivered, recipient has 'gone away'...! :o

 

* Lucycat vs. Carphone Warehouse - 13/11 - S.A.R. delivered. * Lucycat vs. Volkswagen Finance - 9/11 - S.A.R. delivered. * Lucycat vs. Barclaycard - 15/11 - S.A.R. sent out.

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Cheers lucy - I shall do exactly that!!

10/08/06 - Prelim sent on - Here goes!!!:-o

29/08/06 - LBA sent on - more waiting!!:rolleyes:

13/09/06 - Claim Online Submitted!!

14/09/06 - Claim issued!

18/09/06 - Claim acknowledged!

19/09/06 - Claim Paid!!!!

:D;):D

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