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    • Heres a point, while we wait for @theoldrouge to condemn rather than promote and support right wing bigots spouting genuine and clear monstrous antisemitic rhetoric ... Isn't it actually specifically unlawful to promote violence against politicians on top of laws to criminalise such things? ... As is reported happening in these closed facebook groups run by Tory staff and where a Tory police minister and the Tory London mayor candidate are members and post?   .. or do the Tories (seemingly like tor) only promote laws for protecting the hate spouting hard right ?   "“Some of these (Tory facebook groups) posts constitute the most appalling racism and I would urge the Conservative Party to swiftly distance itself from these hate-filled groups and urgently investigate what role any Conservative politicians and officials have played within them. “Susan Hall and the Tory MPs who have belonged to these groups need to come out and explain why – and to denounce the content they have tacitly endorsed by their membership.” "Reporters found widespread racism and Islamophobia as well as conspiracy theories and celebrations of criminal damage on the pages, including sharing the white supremacist slogan and antisemitic videos. " "Unearthed found that 46 out of the 82 admins have clear links to the Tory Party, including a recent digital campaign manager for the party and a conservative activist. Conservative councillor for Haywards Heath, Rachel Cromie, is an admin on all the groups. "     Also interesting that Facebook groups opposing 20mph speed limit in Wales are being run by English Tories   Conservative-run anti-Ulez Facebook groups hosted racist and Islamophobic posts - Unearthed UNEARTHED.GREENPEACE.ORG Tory staff running Facebook groups described as 'cesspits of vile racism' WWW.THENATIONAL.SCOT TORY staff and activists are running Facebook pages which are riddled with white supremacist slogans and Islamophobic attacks... Conservative-run anti-ULEZ Facebook groups are rife with racist and violent posts   Conservative-run anti-ULEZ Facebook groups are rife with racist and violent posts - London Post LONDON-POST.CO.UK A coordinated network of 36 Facebook groups opposing London’s ultra-low emission zone (ULEZ), run by Conservative councillors and...  
    • Morning dx and thank you for your message.   With regards to your comment about them not needing to produce the deed, the additional directions ordered by the judge included 'a copy of any assignment o the debt or agreement relied upon'  so that is why I thought that point was relevant?
    • Sorry for the long post but I don't want to miss out any relevant information: My wife bought a car from Trade Centre UK and have been having nothing but trouble with it. Unfortunately we paid of the finance used to buy the car as we weren't expecting this much trouble with the car as we we though we would have protection as buying from a dealer. We are wondering if we can still reject the vehicle since the finance plan has been paid off. Timeline is as follows: 13/12/2023 -15/12/2023 Bought car from Trade Centre UK for £10548 £2000 deposit paid on credit card on 13/12/2023 £8548 on finance from Moneybarn (arranged through Trade Centre UK). picked up car on 15/12/2023 Also bought lifetime warranty for £50/month 25/12/2023 Engine Management Light comes on. The AA called out and diagnosed the following error codes: P0133 - Lambda sensor (bank 1, sensor 1) Oxygen Sensor. Error Message : Slow reaction. Error sporadic P0135 - Lambda sensor heat. circ.(bank1,sensor1) Oxygen Sensor. Error Message : Component defective Due to it being Christmas took a few days to get through to them but they booked me in for 28/12/2023 to run their own diagnostics. 28/12/2023 Took car in to Trade Centre so could check the car – They agreed it was the Oxygen Sensor and Booked me in for repair on 30/01/2024. I was told they had no earlier slots, and I would be fine to carry on driving car when I said I was afraid of problem worse. During diagnosing the problem, they reset the Engine Management Light. During drive home light comes back on. 29/12/2023 - 29/01/2024 I carry on driving the car but closer to the date, engine goes to reduced power every now and again – not being a mechanic I presumed that this was due to above fault. 20/01/2024 Not expecting any more problems paid off the finance on the car using personal loan from bank with lower interest rate. 30/01/2024 Trade Centre replace to O2 sensor (They also take it on a roughly 60mile road trip which seems a bit excessive to me – I can’t prove this as something prompted me take a picture of milage when I handed car in but I forgot take one on collection – only remembered next day.) 06/02/2024 Engine goes in reduced power mode again and engine management light comes on – Thinking the Trade centre’s 28 day warranty period was over I booked the car the into local garage for the next day to get problem fixed under the lifetime warranty package. Fault seems to clear after engine was switched off. 07/02/2024 In the Morning, I take it to local garage who say as the light gone off – the warranty company is unlikely to cover the cost of the repair or diagnostics and recommend I contact them when the light comes back on. In the evening the light comes back on and luckily I manage to get it back to the garage just before it shuts for the day. 08/02/2024 The Garage sends me a diagnostics video showing a lot error codes been picked up by their diagnostics machine including codes for Oxygen sensor and Nox Sensors, Accelerator pedal and several more. Video also shows EGR Hose not connected to the intake manifold properly, they believed this was confusing the onboard system as it is unlikely this many sensors would trigger at same the time but they couldn’t be certain until they repaired the hose. 13/02/2024 Finally get the car back as it took a while to get approval and payment for the repairs from the Warranty company. Garage told me to keep an eye the car as errors had cleared with the hose but couldn’t 100% certain that’s what caused the problem. 06/03/2024 Engine management light comes on again. Fed up I go into Trade Centre as I was just around the corner when it happened and asked them how to reject the car or have the problem fixed. They insist that as it’s over 28 days I need to get the car fixed under the warranty package I purchased and they could no longer fix the car as it was over 28 days. When I tried telling them it appeared to be the same or related problem they said they couldn’t help as I hadn’t contacted them earlier. I asked them if they were willing to connect the car to the diagnostics machine and tell me what the problem was, as a goodwill gesture, which he agreed to do and took the car to the back He came back around 30 minutes later and said they took a look at the sensor they replaced previously and there was nothing wrong with it and engine management light went off when they removed the sensor to check it. When I asked what the error code he couldn’t give me an exact fault but the said it one of the problems I told him earlier (Accelerator pedal). I have this visit audio recorded on my phone – I informed the reps I was recording several times. As the light wasn’t on, local garage couldn’t book me for a repair under warranty. 07/03/2024 Light came on so managed to book back into local garage for the 12/03/2024 Whilst waiting to take car into garage, I borrowed a OBD sensor and scanned for errors on the car. This showed the following errors: P11BE – Manufacturer specific code (Google showed this to be NOX sensor) P0133 - Oxygen (Lambda) Sensor B1 S1: Response too Slow 12/03/2024 Took car to local garage and the confirmed the above errors. This leads me to believe that either Trade Centre UK reps lied and just reset the light or just didn’t check properly (Obviously I am unable to prove this) 22/03/2024 Finally got the car back as according to garage, the warranty company took a long to time to pay for the repairs 28/04/2024 Engine management Light has come back on. Using the borrowed OBD scanner I am getting the following codes: P0133 - Oxygen (Lambda) Sensor B1 S1: Response too Slow P2138 - Accelerator Position Sensors (G79) / (G185): Implausible Correlation I have not yet booked into a garage as I wanted to see what my rights are in terms of rejecting the car as to me the faults seem related. I can’t keep using taxi or train to get to work every time the car goes into the garage as it is getting very expensive. Am I right in thinking that they have used up their chance to repair when they conducted the repair end of January or when they refused to repair it in February ? If I am still able to reject the vehicle could you point to any sample letters or emails I can use. Thankyou for your advice on my next steps.
    • Ok noted about the screenshot uploads. In terms of screwing up I had one previous ticket that defaulted and ended up in a CCJ from Southend airport because for some reason during COVID I didn't receive their claim form just a notice of default. This hospital ticket was the 2nd ticket that went to CCJ due to a lack of knowledge of the process. Maybe it's easier just to pay them in future I'm thinking though, I don't get them very often anyway
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      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.
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      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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Help with Welcome Finance


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Ya not wrong!!!! I wonder where everyone went!!!

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

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Is there anybody out there????? Lights are on but no one is home :D

As always please check and double check what myself and other Caggers inform.

 

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Thats a perfect description of me atm :lol:

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

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Not been on for a while.... can someone clarify is MKDP LLP or MKRR anything to do with Cattles or Welcome.

 

Asked them but they "dont think so" ..... only set up this year....

 

I have not heard from Welcome for approx 10 months.... must have been emptying filing cabinets and came across little old me LOL Pesky office clearances.....

 

Just wondered if it was one of these 1p in the pound buyer of useless debt, collection agencies..... any ideas anyone ???

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It`s normally quiet at weekends, especially Bank Holidays. All those dedicated Caggers catch up on their Forgotten Families and catch up on Much Needed Sleep!!!;)

 

 

Its been quiet for agesssss lol

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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Not been on for a while.... can someone clarify is MKDP LLP or MKRR anything to do with Cattles or Welcome.

 

Asked them but they "dont think so" ..... only set up this year....

 

I have not heard from Welcome for approx 10 months.... must have been emptying filing cabinets and came across little old me LOL Pesky office clearances.....

 

Just wondered if it was one of these 1p in the pound buyer of useless debt, collection agencies..... any ideas anyone ???

 

 

It isnt official I dont think but I think the general consensus is yep they are welcome/cattles MKDP LLP at least

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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Asked for a copy of my agreement, they said they will ask Welcome for it

Good luck it does not exist. Keep meaning to sort this out for good.... more fun going round in circles.....

 

Asked who I should mark for the attention of answer was:

 

I don't know anybodies names........

 

Asked which department, legal?, compliance?...... answer was:

 

Just send to MKRR and admin will know where to send it.....

 

From those answers it must still be Welcome / Cattles LOL

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Asked for a copy of my agreement, they said they will ask Welcome for it

Good luck it does not exist. Keep meaning to sort this out for good.... more fun going round in circles.....

 

Asked who I should mark for the attention of answer was:

 

I don't know anybodies names........

 

Asked which department, legal?, compliance?...... answer was:

 

Just send to MKRR and admin will know where to send it.....

 

From those answers it must still be Welcome / Cattles LOL

 

 

HAHAHA :lol::lol: thats fab service is that not knowing anyones names :rolleyes:

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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What is an LLP?

It is an alternative corporate business vehicle that gives the benefits of limited liability but allows its members the flexibility of organising their internal structure as a traditional partnership. The LLP is a separate legal entity and, while the LLP itself will be liable for the full extent of its assets, the liability of the members will be limited.

 

Can I convert from being a limited company to an LLP?

The LLP legislation does not allow for a 'conversion process' - in the way that a limited company can convert to PLC status under the Companies Act, for example. Anyone with a current limited company wishing to transfer their existing company name to a new LLP should contact the LLP Team Leader. The process will involve a closely controlled company change of name and an LLP incorporation. Establishing contact prior to submitting the necessary forms will help ensure that this process is completed as smoothly as possible.

 

The above seems to suggest if they are connected to Welcome / Cattles they will not admit it. They have a whole year of ducking and diving before they have to submit annual returns etc....

 

Limited liability ?? does this mean Welcome are going and handing over to a company that you cannot pursue for refund of unlawful charges etc...

 

As if a company on the scale of Welcome would deal with a totally new company (formed Oct 09 ) without an ulterior motive.

 

 

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All LLP means is the top dogs cant personally be liable for any debt just like a normal limited company is/was and it can be run as a partnership like a solicitors etc would be so thats abit irrelvant really as they can still be treated like anyone else and dragged through the courts like anyone else ;)

 

There is no doubt in my mind certain possibly now 'ex' welcome top dogs have decided to create a debt enforcement agency to pick up the slack from the demise of welcome to make themselves some money as lets face it who in their right mind would touch anything that has welcome's name attached to it!

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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Does it also mean they are separate from Welcome therefor they are not responsible for the monies owed to its customers from fraudulent agreements etc...

 

They would just say your claim is with the soon to be ex Welcome but by the way you still owe £XXX

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Im not sure how dodgy agreements will work i would imagine it would be a case of fight and fight until they are statute barred as its not as if welcome will be around to pass it back to. They will be totally separate from welcome anyway though.

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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opinions please......

 

1 more letter before action

(2 letters sent since the last one)

 

or

 

put in N1 straight away.....

 

im only thinking they havent had chance to answer the whole unlawful rescission thing as i didnt include it in my last letter would this then go against me from a judges point of view as they havent had a chance to answer for themselves....

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

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Wish I could help Beyond but I cant, I will keep you Bumped :)

As always please check and double check what myself and other Caggers inform.

 

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Thank you Bebo same goes xx

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

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Don't forget, Limited Liability does not 100% protect the Directors of a Ltd Co, or the partners of a LLP. They can be liable under certain circumstances.

 

These guys are the custodians of the business and have to act within certain rules. If they don't and they get caught they can be held personally liable to certain debts and legal action can be taken if appropriate.

 

I suppose its easier to set up an LLP than to become a director of a Ltd as I dont believe any past black marks against being a director apply to being a partner.

 

Also, Companies can be partners too.

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FYI from Companies House Website

 

MKDP LLP

TRADE PRO HOUSE SEEBECK PLACE

KNOWLHILL

MILTON KEYNES

BUCKINGHAMSHIRE

MK5 8FR

 

Seems quite a few debt collectors reside here Under Tradepro name. search for Tradepro Finance Ltd and Tradepro Holdings Ltd etc.. etc..

 

also cdc Debt collections Ltd as well. Any of these ring a bell?

Edited by Dibbothe3rd
found more info
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oo thanks for that dibbo defo something to be looked into!

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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FINAL LETTER BEFORE ACTION

Dear Sir/Madam

Re: Terminated Agreement Number:

Following your unlawful rescission of contract on 1st February 2010, which was subsequently accepted by me on 12th February 2010 and your further enforcement of repossessing a vehicle related to this no longer active agreement on 11th March 2010, I wish to draw your attention to the following.

Before a creditor or owner in the position of Welcome Financial Services can become entitled to use Section 88 and the Consumer Credit (Enforcement Default and Termination Notices) Regulations 1983 (S/I No 1561) and (amendment) Regulations 2006 Welcome Financial Services must first serve a valid default notice. The Regulations are clearly set out in some detail, the form in which the notice must take, and what information a Default Notice must contain. In particular, Section 87 (1): The relevant parts of Section 87 (1), read as follows.

 

Section 87 (1):

"Service of a notice on the debtor or hirer in accordance with section 88 (a ´Default Notice') is necessary before the creditor or owner can become entitled, by reason of any breach by the debtor or hirer of a regulated agreement, -

 

(a) To terminate the agreement, or

 

(b) To demand earlier payment of any sum, or

 

© To recover possession of any goods.

 

(d) To treat any right conferred on the debtor or hirer by the agreement as terminated, restricted or deferred, or

 

(e) To enforce any security.

 

I now return to the facts of the Default Notice.

On 15th January 2010 Welcome Financial Services sent a Default Notice to which Welcome Financial Services contend complies with the provisions of the Consumer Credit (Enforcement Default and Termination Notices) Regulations 1983 (S/I No 1561) and (Amendment) Regulations 2006 made there under. I do accept that in some respects the Default Notice complies with some of the statutory requirements, but I contend that the Default Notice has one critical flaw.

 

The Default Notice describes the action required to remedy the alleged breach of Agreement as "Pay the arrears of £236.49 to us within 14 days. For the purpose of doubt I shall explain why the above Default Notice falls short of the provisions of the Consumer Credit (Enforcement Default and Termination Notices) Regulations 1983 (S/I No 1561). On the 19th December 2006 the (Amendment) Regulations 2006 came into force and amended the time scale for a Default Notice to, “Not less than fourteen days”.

 

The Consumer Credit (Enforcement, Default and Termination Notices) Regulations 1983[2] shall be amended as follows. In Schedule 2 in paragraphs 3©, 3(d) and 6 for the words "not less than seven days" substitute "not less than fourteen days".

 

With this evidence in hand I have come to the conclusion in relation to that one critical flaw, the Default Notice is non compliant.

 

The statute was plainly enacted to protect consumers. When a debtor is said to have broken the terms of an Agreement, the debtor needs to know precisely what is wrong and what is needed to put things right. The creditor has the ability and the resources to give that information with precision. If the creditor does not do so accurately then they cannot take "the next step".

 

What Welcome Financial Services has done is that they have totally missed out on TWO vital points.

 

Point 1

 

The Interpretation Act 1978 Section 7 Practice Direction, Service of Documents - First and Second Class Mail.

(a) in the case of first class mail, on the second working day after posting;

(b) in the case of second class mail, on the fourth working day after posting. "Working days" are Monday to Friday, excluding any bank holiday.

 

8th March 1985*

J R BICKFORD SMITH Senior Master

Queen's Bench Division

 

Point 2

 

Under CPR 6.26 First class post (or other service which provides for delivery on the next business day) is deemed to be “served” The second day after it was posted, left with, delivered to or collected by the relevant service provider provided that day is a business day.

 

In a nutshell Welcome Financial Services must allow for at least 2 days postage, 2 working days Monday to Friday, also allowing for any bank holidays. The Default Notice is dated 15th January 2010 and must be remedied within 14 days, what Welcome Financial Services have not taken into account is that a Default Notice has to be Date Specified and to state “within 14 days” falls very short of the statutory requirement.

 

At this point Welcome Financial Services had the opportunity to re-issue another Default Notice in compliance with the Consumer Credit (Enforcement, Default and Termination Notices) (Amendment) Regulations 2006, but Welcome Financial Services did not. On the 1st February 2010 Welcome Financial Services issued a Termination Notice, the Termination Notice did not simply imply Welcome Financial Services could or would, not even we may, the Termination Notice clearly stated “YOUR HIRE PURCHASE ACCOUNT HAS NOW BEEN TERMINATED”. Upon receipt of this Termination Notice it is perfectly obvious that Welcome Financial Services had in fact relieved BOTH parties from the performance of the Agreement and all the terms and conditions with in it.

 

I am in no doubt that Welcome Financial Services are totally aware that a Default Notice must adhere to the prescribed regulations for the manner in which a Default Notice is set out and the information that a Default Notice must contain. In particular and of utmost importance a Default Notice must give a debtor an opportunity to remedy any alleged breach and give a debtor “Not less than fourteen days” from the date of service and not 14 days from the date of author in which a Debtor must do so.

 

The Consumer Credit Act gives a creditor no room for error and demands that with the financial and legal knowledge at their disposal, they should be very able to get all their documentation right or suffer the consequences.

 

The consequences of Welcome Financial Services actions are as quoted in case law an Unlawful Rescission of Contract see (Woodchester Lease Management Services Ltd v Swain and Co - [2001] GCCR 2255). Thus having unlawfully rescinded the agreement by failing to comply with the requirements of the consumer credit act Welcome Financial Services have also lost all benefits of section 87 (1): (a) To terminate the agreement, or (b) To demand earlier payment of any sum, or © To recover possession of any goods (d) To treat any right conferred on the debtor or hirer by the agreement as terminated, restricted or deferred, or (e) To enforce any security.

 

Welcome Financial Services should also be made aware that having unlawfully rescinded the agreement by failing to comply with the requirements of the consumer credit act, would not only prevent the court from enforcing any debt outstanding, A Debtor would also have a right to counter claim for any damages see( Kpohraror v Woolwich Building Society [1996] 4 All ER 119).

I am sure this plainly outlines why the agreement has been unlawfully rescinded and how you weren’t in a lawful position to repossess the vehicle related to the agreement which you endeavoured to do more than a month following termination.

This account has been plainly disputed due to incorrect prescribed terms on the agreement from November 2009, you failed to respond to all queries until 10th March 2010, this gave no time for us to come to an adequate resolution regarding your response before repossession took place as the documents were received two days following the vehicle had been taken. This situation alone has caused an unfair relationship between Welcome Financial Services and Myself and on doing so contravenes s140a of the Consumer Credit Act 1974 and amendments.

I would respectfully request you look at your records to confirm what I have outlined and how you propose to remedy the situation. I would expect an adequate response outlining your intended actions and any timescale of utilising these actions within 14 days, by 9am on 20th April 2010 or you will leave me with no option but to issue court proceedings relating to the above without further notice.

Yours faithfully

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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opinions/adjustments/comments please :D

 

will be posted tomorrow!

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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I'm no expert but to me that is very clear and concise, I think it's best to give them a chance to remedy the situation. It will also look better infront of a judge if you have shown to be fair. Good stuff beyond!:)

As always please check and double check what myself and other Caggers inform.

 

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Thanks Bebo and Dawn cant say they havent been warned I guess :)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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