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    • Hi just typed all defence clicked next and it's deleted all. Any help
    • I forgot to say, there is one last possibility and that is that they will receive your letter of rejection and simply fold, accept the rejection and refund you. Don't wait too long for this. Seven days maximum – but in that seven days you could send your letter of claim anyway and when that you don't hear from them or when they start mucking around at least you are seven days closer to beginning the legal action – and they will know it (which is the important thing).
    • Okay that is excellent that you have an email between the garage and the warranty company confirming that there is a serious problem with the gearbox. That is very powerful evidence. I think the situation is this: you have sent them a letter of rejection but the reputation of big motoring world is that they won't take a lot of notice and they will try to prevaricate and maybe even blame you. Clearly you don't want the car any more and anyway it sounds as if the cost of repairs is going to be enormous. You don't know if the warranty company is going to step up to the mark but the whole thing is going to take a long time and I understand that you have lost confidence in big motoring world because of this event and also their reputation which you are now discovering on Facebook and on this forum and no doubt elsewhere. On the basis that you don't want the car any more and you want your money back, you need to hurry things along. I think the first thing is that you need to decide if you are prepared to bring a claim in the County Court. Even without the warranty money, the claim is worth more than £10,000. For actions less than £10,000, you bring a "small claim" and this means that even if you lose the case you won't be liable for the other side's costs. If you win the case then not only will you get your money plus interest but also you will recover all of the costs of the action. For actions more than £10,000, you go to something called the "fast track" and in the event that you lose the case, then you could be liable to reimburse the winner some of the costs. This means that in addition to not recovering your own money, you would lose your own court fees and also you would have to to bear the costs of the other side probably something less than £5000 – but as a rough guess. If you bring your court claim then your chances of success are almost 100%. Frankly if you brought a court claim then I can imagine that big motoring world will put their hands up and pay you out rather than face go to court and losing and getting a judgement against them. However, it you need to consider that this is a risk factor – although my view it is a negligible risk factor. If you did bring a court case, it wouldn't be instant. If they put their hands up then it would probably happen very quickly. If they didn't put their hands up then you could take anything up to a year for the matter to be resolved and during that time you would be without your car and without your money and in the middle of litigation. I'm explaining this to you say that you understand how it works. Bring a court case would be really the last resort when everything else has failed. However, I'm quite certain that you would win and it would be stupid of big motoring world to try to resist. In order to bring a court case you would have to send a letter of claim giving them 14 days to accept rejection and organise the refund otherwise you would begin the claim. Don't imagine that you could bluff this. If you did send a letter of claim then you would have to go through with it otherwise you lose all credibility and you might as well pack up and go home. So with this in mind, here are possible courses of action you could take. You can simply wait and see what their reaction to your letter of rejection will be. However they may not reply or else they may find some other reason to delay and of course during that time you will be without your car and without your money blah blah blah, not knowing if big motoring world were going eventually to start acting sensibly and respectfully towards you. The second thing you can do – and I think this has been suggested on Facebook – is that you can go along there and simply make yourself present and talk to other customers and generally speaking make a nuisance of yourself and embarrass them to the point where you would be explaining to other potential customers to be careful, to look on Facebook, and to do some careful research before they put their business to big motoring world. This has a reasonable chance of success although you would have to be careful. You should go accompanied by a friend and there should be no anger, no arguments, nothing that could be considered as being overly aggressive so that big motoring world would have no justification in kicking you out or even worse, calling the police. If you did this, then I would suggest that you record everything on the telephone carried in a pocket. A fully charged battery will probably keep a voice recorder and a telephone going for more than 20 hours or 30 hours. The other person can video any incidents so that everything is clear and you can inform big motoring world then it will be going up on the Internet. If you did this, my favourite option would be to issue the letter of claim giving them 14 days, and then going along to big motoring world with a copy of your letter of rejection and a copy of the exchange between the mechanic and the warranty company and a copy of your letter of claim – all settled together – and probably about 20 or 30 copies in all and I would start handing them out to any customers who came in. Big motoring world will soon get the picture and they will either move your the premises in which case you stand outside and carry on doing it or they will finally give in. Of course there is a chance that they won't give in and they will simply call your bluff – but in that case I think you have no choice other than to follow through with your 14 day threat in the letter of claim and to begin the legal action. At the same time you should be putting up reviews on Google and also trust pilot explaining exactly what has happened and also explaining that the mechanic has confirmed to the warranty company that there is the serious problem, that you have asserted the right to reject and that this is been ignored by big motoring world and that you have now sent a letter of claim and that you will be starting a legal action in 14 days. Once again, don't bluff about the legal action. If you threaten it – then you must mean it – and on day 15 you click of the claim. You don't need a solicitor for any of this. It's all fairly straightforward and of course we will help you all the way that it the decision is yours to make and I think you need to make it fairly quickly. I think the cost of starting an action for about £13,000 is 5% and then also if it goes to trial which I would say is almost impossible – there would be an additional fee. You would claim interest at 8%. A judge might award a lower figure but frankly if you can show that big motoring world is attempting to ride roughshod over your very clear statutory consumer rights, I can imagine that the judge will want to show displeasure by awarding the full 8% which is a pretty good rate – even though it's not compensation for the hassle and the distress you are going through. If you decide to get solicitor, then if you win the case, because it is over £10,000 you will recover some of your costs but you won't recover all of them. If the solicitor begins by having exchanges of letters then I doubt whether you will be up to recover the cost of those and you could easily find that you're chalking up 500 quid or even a thousand simply on initial exchanges of correspondence. Also you need to bear in mind that if after having exchanges with a solicitor, big motoring world cave in – then you definitely won't get those costs back because you won't have gone to court and therefore a judge will not have made the order for payment of those costs. I suggest very strongly that you avoid paying any money for a solicitor and that you do it yourself. It's not a big deal – although you will have to you react quickly to the help we offer on this forum. Also, an additional benefit is that you will learn a lot and you will gain confidence and eventually you will feel good about suing anybody else who gets in your way. Nothing not to like! If you do decide to instruct a solicitor then you must take control of the solicitor. Most of them prefer to sit in an office writing letters on the clock. If you do decide to instruct a solicitor then you must instruct the solicitor very firmly that they should send one letter of complaint giving seven days. A second letter – a letter of claim giving 14 days and that they must then begin the action. If you don't do this. If you don't take control then it will simply cost you money, you will be without your car even longer and of course without your money. The whole thing is a nightmare. I think I've laid out the options but please do ask questions. I hope you can see that this is the kind of advice that you won't be getting on Facebook. Nothing against Facebook. It's good as a meeting place and to make people realise that they aren't on their own – but after that the advice given is weak and confusing.  
    • What makes you say that?  I have no idea how I would go about that or why they would even entertain discussions now that they've won the Court case
    • Our main Equity Partner, Cabot Square Capital invests 
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
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MandM vs Egg Loan ***Won with Strike Out***


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Is this DN worth arguing???  

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  1. 1. Is this DN worth arguing???

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morning MandM

I too have an Egg agreement and they supplied a set of terms and conditions which didn't apply to the 2 page signed agreement (clause references didn't match etc)

 

I highlighted this in my defence and their response completely ignored the point I made about terms and conditions not consistent with the agreement. They later sent some more documentation through and included in the package a further copy of the terms and guess what - these were different and appear to be the relevant ones that would have been in force at the time (albeit they had someone else's name and agreement number on)

 

I was cross that they didn't even highlight the fact that they had sent a different set so highlighted it to the Judge and asked their barrister which set they actually wanted to rely on in their case as they had now presented two sets. I also made the point about them not pointing out that this was different documentation. The judge wasn't impressed but their barrister put it down to an administrative error and said that he hadn't seen the covering letter etc etc.

 

The terms and conditions don't have any information about cancellation rights though. I did say in my defence that even if they did, they should have been in the agreement that was signed and not hidden in multiple supplementary pages of 'things you should know'.

 

good luck

S

 

Thanks Sunshine54.

 

At least i'll be ready for that one now.

They later sent some more documentation through and included in the package a further copy of the terms
. When did they send them out of interest? I assume that it was after you'd submitted your defence but not long before your date in court! If so, would that not be grounds enough in itself to be able to ask the court for the opportunity to amend the defence! Got me thinking now lol.

Thank you for the heads up - will have a look at yours if it's on a thread.

 

M

 

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Hi

 

my case has been going on since January! The first set of documentation was received by me in August despite being requested in early February. Cheeky devils actually said that I'd qlready got the info via a Data Protection request so I suggested that if they wished to use that to support their claim then they should have advised me of that fact.

The August copy had naff terms and conditions and my first amended defence pointed this out. I had been consistently chasing more information about telephone tapes/transcripts which they had avoided sending for months but they did eventually send through one transcript and a further copy of the terms and conditions at the end of October. These are the ones that I queried in my next hearing as detailed in my earlier post here.

 

I got the Judge to order them to provide a statement from a senior person that these are indeed the correct terms that would have been in place at the time my agreement was taken out. He also ordered them to provide financial information about how the money from this disputed loan was dispersed, and how the balance of the loan that it cleared was calculated.

 

I'm then able to send in yet another amended defence but did agree that this time it would be fully particularised.

 

I do have a long thread about my case but must confess that I got a bit worried a few weeks ago that I would be recognised and went in and deleted lots of my posts from it -

 

I'm quite happy to share whatever info I can with you though.

 

My next hearing is scheduled for the new year and then I expect a date in the spring for the hearing.

best regards

S

Edited by Sunshine54
typo

=================================================================

remember

 

the Sun is always shining, it's just that you can't see it sometimes

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Thanks SH.

 

Must admit, the thought crossed my mind once or twice to delete stuff off of here too. But on reflection the best bit of info I have is their useless DN and as they've inadvertantly proved that this is the one that was sent i'm hoping i've got them by the short and curly's. I found out about the "cancelation rights" thingy too late, defence had already gone in so will need to draw the argument out of them. BUT if they do issue some new/revised T&Cs and I do get the opportunity to amend (bearing in mind i've picked some holes in their T&Cs with my defence) they'd be opening another door for me :).

 

I am subbed to your thread but see you've not posted in a while. Any further developments (PM if you don't want to put it up)

 

M

 

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Hi again M

 

I'll go and update my thread. In summary I'm awaiting the info that they have to provide within the next week and then I have to submit my defence around Christmas time. I'll be revising my counterclaim too and will definitely be posting on my thread for comment and feedback.

 

You can ask for to be allowed time to review their revised terms and conditions (if that's what they do and I guess they must otherwise they haven't got any Terms that actually support their case) and submit an amended defence.

regards

S

=================================================================

remember

 

the Sun is always shining, it's just that you can't see it sometimes

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Hi again M

 

I'll go and update my thread. In summary I'm awaiting the info that they have to provide within the next week and then I have to submit my defence around Christmas time. I'll be revising my counterclaim too and will definitely be posting on my thread for comment and feedback.

 

You can ask for to be allowed time to review their revised terms and conditions (if that's what they do and I guess they must otherwise they haven't got any Terms that actually support their case) and submit an amended defence.

regards

S

 

Thanks for the info S.

 

Best of luck with yours.

 

M

 

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  • 2 weeks later...

Hi all.

 

Have had some paperwork from the court. Into new ground now so I don't know what I'm supposed to do with this or what I'm supposed to send back to whom. Advice and help needed with what to do next

 

Thanks

 

M

 

CourtNov1.jpg

CourtNov2.jpg

CourtNov3.jpg

 

Also, the bit about trying to agree directions - does this mean I have to talk to the Sols???

Any help and advice appreciated

 

M

 

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M&M, sorry I can't help with the above, but try getting one of the site team to help by clicking the red triangle if someone doesn't come along soon. Sure there will be someone who can offer some advice on this.

 

regards, Magda

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Hi all.

 

Have had some paperwork from the court. Into new ground now so I don't know what I'm supposed to do with this or what I'm supposed to send back to whom. Advice and help needed with what to do next (all above).

 

Also, the bit about trying to agree directions - does this mean I have to talk to the Sols???

Any help and advice appreciated

 

M

 

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This is definitely not my thing as it involves English legal procedure and what little i do know about procedure is not in England.

That said, it looks to me as if the Court is trying to get the parties to the dispute (ie you and Egg) to make a clear statement about what it is that divides you - what are the disagreements (this is para 1), so I would be inclined to work my way back through this thread with the aim of identifying all the things that you reckon are (or could be said to be) wrong with Egg's position. You wont reach a consensus on this with them - if you could there would be no need to go to court. What the court is looking for is as clear a statement about the disagreements.

On the basis that there is no agreement about what the divisions are (they might argue about whether or not there is a disagreement on a particular topic) then each side needs to make proposals about the process to be followed for the court to resolve these (eg fast track or not), when the parties might be ready to go to court, and an estimate of how long the case might take.

I dont know if that helps (much of it is pretty obvious), but its about as far as i could take it, as I am absolutely certain that

 

  1. there will be a lot of places that you could go seriously wrong with what you might submit
  2. on the other hand, by submitting a carefully crafted submission to the Court, you could do yourself a good deal of good (I have a hypothesis that the likes of Egg are less likely to take on someone who seems to know what they are on about as this maximises the chance of them losing in court and creating a precedent - from their pov not a good idea)

For these two reasons you REALLY do need someone - probably from the site team - to come along and give you the benefit of their experience and detailed advice.

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Hi SFU. Hope you're well

 

 

  1. there will be a lot of places that you could go seriously wrong with what you might submit
  2. on the other hand, by submitting a carefully crafted submission to the Court, you could do yourself a good deal of good (I have a hypothesis that the likes of Egg are less likely to take on someone who seems to know what they are on about as this maximises the chance of them losing in court and creating a precedent - from their pov not a good idea)

For these two reasons you REALLY do need someone - probably from the site team - to come along and give you the benefit of their experience and detailed advice.

These are pretty much my thoughts also. If anyone from the Site Team could give a view i'd very much appreciate the help.

 

Thanks

 

MandM

 

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I think if you click the red triangle, someone from the site team will come along and have a look. Now whether that's the right someone .......?

Two things you might do to be going on with

 

  1. have a trawl through the site - search engine might be helpful here - to see who has experience with this procedure. Whether or not its Egg doesnt matter - what matters is the procudure and having experience of how it goes
  2. as I suggested work through your own thread here and write down the areas of agreement with Egg (that wont take you long ;)) and the areas of disagreement. Just put them in a list just now. Putting them into a coherent order is the next stage, but you need to know what they are first of all. Indeed once you know that you will be better able to make use of whatever support is available to you.

best of luck with seeing them off :)

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I think if you click the red triangle, someone from the site team will come along and have a look. Now whether that's the right someone .......?

Two things you might do to be going on with

 

  1. have a trawl through the site - search engine might be helpful here - to see who has experience with this procedure. Whether or not its Egg doesnt matter - what matters is the procudure and having experience of how it goes
  2. as I suggested work through your own thread here and write down the areas of agreement with Egg (that wont take you long ;)) and the areas of disagreement. Just put them in a list just now. Putting them into a coherent order is the next stage, but you need to know what they are first of all. Indeed once you know that you will be better able to make use of whatever support is available to you.

best of luck with seeing them off :)

 

Thanks SFU,

 

All that I can find on the form N24 seems to be from the claimants point of view relating to bank charges. I'll keep looking though and see what turns up.

 

M

 

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Hi SFU. Hope you're well

 

 

 

These are pretty much my thoughts also. If anyone from the Site Team could give a view i'd very much appreciate the help.

 

Thanks

 

MandM

 

Bump ;)

 

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Hi all.

 

Have had some paperwork from the court. Into new ground now so I don't know what I'm supposed to do with this or what I'm supposed to send back to whom. Advice and help needed with what to do next (all above).

 

Also, the bit about trying to agree directions - does this mean I have to talk to the Sols???

Any help and advice appreciated

 

M

 

Bump ;)

 

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Quite straight forward MandM

 

You just need to submit your draft Directions,not having read your thread have you done your AQ yet and if so did you not submit any directions with said AQ?

 

Regards

 

Andy

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Quite straight forward MandM

 

You just need to submit your draft Directions,not having read your thread have you done your AQ yet and if so did you not submit any directions with said AQ?

 

Regards

 

Andy

 

Hi Andy. Yes and Yes! So am I just adjusting them to suit the current situation and re-submitting?

 

Will reply in full when I get home this evening (just sneaking on as i'm at work)

 

Thanks for popping in,

 

M

Edited by MandM

 

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Hi Andy,

 

AQs were submitted early October

 

Draft order for directions was attached also.

 

It asked (mine) that the claimant file and serve; (i've summarised :))

 

1) Copies of the CCA as referred to in the POC etc

 

2) Copy of the DN compliant with blah blah....which the claimant seeks to rely upon

 

3) Copies of all statements for the duration of the agreement

 

4) Copies of any other documents to be relied upon

 

Then went on to say that if they fail they should be struck out and that i'd go on to file an amended defence if they sent them

 

THEIR draft directions asked

 

1) that the defence be struck out for failing to disclose any triable issues,

 

2) The defendant files and serves a fully pleaded defence in 14 days

 

3) allocated to fasr track

 

4) CMC 28 days after 2 (30 minutes)

 

5) costs

 

They also attached a copy of the agreement, 12 pages of terms and conditions that didn't relate to the agreement in many places, a template of a DN (I have the original :)) with a PC screenshot 'proving' that it was sent, and a reconstructed single page statement confirming the figure on their POC (basically an Excel spreadsheet).

 

-------------------------------------------------------

 

2 weeks later, N24 from the court giving them a month to file and serve a) copy of the agreement relied upon and b) a full statement showing how the sum claimed is arrived at.

------------------------------------------------------

 

Early November I recieved their WS.

 

It went to great lengths to explain the statement, the reason it appears is that there seems to be a random figure on the end of it called 'Interest Accrued@5/10/09. Problem is (for them) their computer has continued to issue me with statements throughout the year (even in November) and the interest shown on these differs greatly from the figure shown on the reconstructed statement.

 

They also attached another copy of the agreement and T & Cs sent with the AQ!

 

I then filed my defence which, in summary, was as follows;

 

1) The DN - this (my original) did not contain the prescribed terms - not just a little thing - they forgot to print on it that it was 'Served under section 87(i) of the CCA 1974' (I did check - it is supposed to be on there :D). I went quite strong on this - why they cannot reissue, the fact they terminated etc etc.

 

2) I raised a whole pile of queries regarding the 'sum' and attached various statements etc that showed their figure to be incorrect, and

 

3) I picked lots of holes in the agreement, terms and conditions and showed that the relationshio between the 2 was flawed quite clearly in 3 instances.

---------------------------------------------

 

So, in summary, we still haven't actually agreed anything! They still haven't (technically) produced the docs asked for in my AQ Draft Directions.

 

Then the letter above appeared from the court. That's where i'm at in summary - any thoughts?

 

M

 

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Hi MandM

 

If you give me chance to read your thread and get up to speed and then I will give you some direction.

 

Regards

 

Andy

We could do with some help from you.

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Hi MandM

 

If you give me chance to read your thread and get up to speed and then I will give you some direction.

 

Regards

 

Andy

 

Thanks Andyorch,

 

Got time - it says within 14 days of service. Front sheet dated 3rd Dec and arrived Friday the 4th

 

M

Edited by MandM
date was wrong. fat fingers again!!

 

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Hi MandM

 

If you give me chance to read your thread and get up to speed and then I will give you some direction.

 

Regards

 

Andy

 

Hi Andy O,

 

Have you had a peek yet? Would be interested to get your take on this.

 

M

 

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Hi M

 

Apologies for not getting back to you will run through today and post later had a lot on this week.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Hi M

 

Apologies for not getting back to you will run through today and post later had a lot on this week.

 

Andy

 

Thanks Andy, Don't panic if you can't manage today, I do appreciate your efforts. Just making sure I didn't drop off your radar lol!!!

 

M

 

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