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    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all clearly showing a £60.00 parking charge notice (which will  be reduced if paid promptly).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] 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. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44  For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “No Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide proof of planning permission granted for signage etc under the Town and Country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.  3.4        I also do not believe the claimant possesses this document.  No Keeper Liability  5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.  5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.    5.3        The claimant did not mention the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   Protection of Freedoms Act 2012  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; 22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim. 5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable. Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims. 29. Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practise continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.” 30. In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverable under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 2) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.  7.8        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).  In Conclusion  8.1        I invite the court to dismiss the claim. Statement of Truth I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. 
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Advent Computer Training (Barclays Partner Finance)Info and discussion thread


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Hi is it true that some people have loans with 0% interest? Mine is 29.8% but if it was 0% then I would be paid up.

Regarding the debate between gfunkasaur and feedme you are both entitled to your opinions and they are both valid points but please try and remember that Advent and barclays put everyone in this position and banding together is the only way to get a good result for us, and not paying is the individuals choice.

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Hi is it true that some people have loans with 0% interest? Mine is 29.8% but if it was 0% then I would be paid up.

Regarding the debate between gfunkasaur and feedme you are both entitled to your opinions and they are both valid points but please try and remember that Advent and barclays put everyone in this position and banding together is the only way to get a good result for us, and not paying is the individuals choice.

 

Yes its true my loan was 3 years interest free

and yes I agree with you about the debate you mention.. though I cant help feeling that Feedme is not who she says she is.. we have in the past had bank opos pretending to be members just to feed in their information.. I am not saying that feedme is such a person.. its just a feeling I got while reading her posts

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Yes its true my loan was 3 years interest free

and yes I agree with you about the debate you mention.. though I cant help feeling that Feedme is not who she says she is.. we have in the past had bank opos pretending to be members just to feed in their information.. I am not saying that feedme is such a person.. its just a feeling I got while reading her posts

 

Have to say I was suspicious too, 10pack.

Insisting and foot stamping 'I am right' is a little different to objectively pointing out by way of discussion that there is an obligation to continue paying off a loan, and defaulting on that puts the customer in the wrong, which is, technically, true.

I understand that from our lawyer, and that if you continue to pay you will be able to reclaim it back when the case is won (so some may want to play safe and stick to that, which is fair enough).

 

But I can't honestly see how any authority can penalise someone stopping payment on a loan that is being challenged by legal means and possibly mis-sold in the first place (by Advent)?

And that is key, I think, that the Advent course was mis-sold with false promises, and the new provider is not any substitute (replacing rubbish with more rubbish), therefore there is a breach of the contract. Period.

 

Barclays are on shaky ground but unfortunately until they either admit that and sit down with Hausfeld to resolve the issue, or stick to their guns and then have to explain themselves in court to a judge who will be considering points of LAW (not their say-so!) we are a bit up in the air.

 

Edited to add - from Hausfeld's letter to BPF (bold emphasis by me)...

 

"3. We are instructed by students of both Advent and Access (“Our Clients”) to advise on claims against BPF arising in relation to the following (further details of which are set out in this letter):

 

(a) misrepresentations made by Advent and Access, on which students relied in enrolling for the course and taking out funding with BPF (for which BPF will be liable under Section 75 of the Consumer Credit Act 1974 (“CCA”));

 

(b) breaches of contract by Advent and Access both prior to and as a result of their entry into administration (for which BPF will be liable under Section 75 CCA); and

 

© claims by students directly against BPF in respect of the loan arrangements including unfair contract terms in breach of Section 140A of the CCA and/or obligations to treat customers fairly under Rule 6 of the FSA Principles of Business."

Edited by Fuzzbutt
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explain themselves in court to a judge who will be considering points of LAW (not their say-so!)

 

 

The only free legal advice i have had since this all started...

was exactly that.I was also told, no financial establishment will hold

their hands up until taken into court [ or maybe a few days before court proceedings]

They work on the lines of the person filing the dispute can not afford to take them on with the fear of losing. [costs etc]

 

Of course this could have been a solicitor hoping i would engage her.

But it does have a smell of truth about it.

 

Barclays will drag it out - not because they possibly think they are right....

But because internally they are incompetent - we can all testify to that

with all the unconvincing letters, telephone conversations and replys we all have had.

Edited by lowdown
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I have a sneaky suspicion this will have no option but going to court now. Hausfeld were hoping to resolve this for us without that, as court proceedings can be slow and costly.

But think you're right there, Lowdown. They will only act if forced to do so reluctantly.

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Have to say I was suspicious too, 10pack.

Insisting and foot stamping 'I am right' is a little different to objectively pointing out by way of discussion that there is an obligation to continue paying off a loan, and defaulting on that puts the customer in the wrong, which is, technically, true.

I understand that from our lawyer, and that if you continue to pay you will be able to reclaim it back when the case is won (so some may want to play safe and stick to that, which is fair enough).

 

But I can't honestly see how any authority can penalise someone stopping payment on a loan that is being challenged by legal means and possibly mis-sold in the first place (by Advent)?

And that is key, I think, that the Advent course was mis-sold with false promises, and the new provider is not any substitute (replacing rubbish with more rubbish), therefore there is a breach of the contract. Period.

 

Barclays are on shaky ground but unfortunately until they either admit that and sit down with Hausfeld to resolve the issue, or stick to their guns and then have to explain themselves in court to a judge who will be considering points of LAW (not their say-so!) we are a bit up in the air.

 

Edited to add - from Hausfeld's letter to BPF (bold emphasis by me)...

 

"3. We are instructed by students of both Advent and Access (“Our Clients”) to advise on claims against BPF arising in relation to the following (further details of which are set out in this letter):

 

(a) misrepresentations made by Advent and Access, on which students relied in enrolling for the course and taking out funding with BPF (for which BPF will be liable under Section 75 of the Consumer Credit Act 1974 (“CCA”));

 

(b) breaches of contract by Advent and Access both prior to and as a result of their entry into administration (for which BPF will be liable under Section 75 CCA); and

 

© claims by students directly against BPF in respect of the loan arrangements including unfair contract terms in breach of Section 140A of the CCA and/or obligations to treat customers fairly under Rule 6 of the FSA Principles of Business."

 

I phoned BPF this morning because of their latest threatening letters and rep refused point blank to accept that my account is in dispute or was willing to put my account in dispute... despite have written to them and phoning before about it.

 

I told her then since I felt that BPF was in breach of S75.. computeach was not a suitable alternative.. I had no other option but to inform her I would be taking legal proceeding againts BPF.

 

She said I can do this but my account will not be on hold and I will still get the letters and that someone from mercers would call at my home, I replied that I knew mercers are part of barclays and that its just the barclays way of getting around the legal requirements that barclays cant harrass their customers, so any action from mercers I deem to be from barclays.. and if anyone turns up I am within my rights to refuse entry and shut the door on them.

Edited by 10pack
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I phoned BPF this morning because of their latest threatening letters and rep refused point blank to accept that my account is in dispute or was willing to put my account in dispute... despite have written to them and phoning before about it.

 

I told her then since I felt that BPF was in breach of S75.. computeach was not a suitable alternative.. I had no other option but to inform her I would be taking legal proceeding againts BPF.

 

She said I can do this but my account will not be on hold and I will still get the letters and that someone from mercers would call at my home, I replied that I knew mercers are part of barclays and that its just the barclays way of getting around the legal requirements that barclays cant harrass their customers, so any action from mercers I deem to be from barclays.. and if anyone turns up I am within my rights to refuse entry and shut the door on them.

 

You really are only wasting your time speaking to BPF or Mercers on the phone...they are only BONUS hunters and TARGET achievers from call centers with no powers at all, and door step collectors have as much power as the milkman.If you need to speak to them put it in writing, then you can use their reply [ or none reply - even better] as evidence of nonsense and idiotic practice of not holding an account in dispute - More stuff to send off to the fos.

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Good for you! That's appalling! Have they no comprehension of the codes of conduct they agreed and signed up to.

I don't think we can complain to the Lending Standards Board as individuals but I hope if this gets to court action their behaviour can be raised by our lawyer with Financial Standards Authority and Lending Standards.

There must some some body that can discipline banks like this, as the Financial Ombudsman obviously has no teeth!

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You really are only wasting your time speaking to BPF or Mercers on the phone...they are only BONUS hunters and TARGET achievers from call centers with no powers at all, and door step collectors have as much power as the milkman.If you need to speak to them put it in writing, then you can use their reply [ or none reply - even better] as evidence of nonsense and idiotic practice of not holding an account in dispute - More stuff to send off to the fos.

 

Good point - all evidence. I'm sure Daily Mirror's Nick Sommerlad would be interested too as he contacted me and has spoken to our lawyer. He's hoping to run another feature on this next week if people can contact him with their evidence and stories of what's going on now..

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Edited by IdaInFife
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Your right Fuzz, the courts are the only people who are able to hold these theiving shifty barstewards to rights and the sooner a court date is pointed at Barclays the better I reckon. Partly as that is probably when barclays fold.

I think with 500-1000 people, all with the same case against Barclays, may make the FSA and LSB sit up and take notice though. The FOS obviously have a vested interest in erring on the side of the banks judging by what a few folks are saying on here, so it really does look like court be the only way.

Alfman you're quite correct, it is entirely up to the individual whether or not they continue to pay. Each to their own I say. Feedme is totally right in that if barclays win, then not paying is not going to look particularly good on the customers part, however, that is not going to happen is it? The CCA is on our side and it even says that on our contracts with Barclays. There really is no argument that they can use to avoid this.

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did you know that if you are given a bad credit rating by bpf you can reply on the site as to why you withheld payment. with what we have to say about bpf and thier methods should make your credit rating a lot better reading to others.

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If this person is a former barclays employee, I wonder if someone could track them down and get them to stand up in court.

Ms. Keating is probably intentionally unaware so that barclays can use the good old plausable deniability tactic. This would let stall some more while Ms.Keatings department investigates anything which arrises. :rolleyes:

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I highly doubt this person/people will reveal their identities as they will probably be bound by a confidentiality clause in their employment contract with BPF for a period of time after their employment ceases. What is achievable is getting a sales rep from advent to write a letter for us seeing as advent no longer exist any confidentiality stuff maybe void so there will be no repercussions .

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this thread has become very ill tempered in places, and I have had to edit and remove some posts. I have also removed a post with lots of names and possibly libellous material.

 

Can I suggest that anyone who might be unclear about the forum rules please read them before posting further.

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I highly doubt this person/people will reveal their identities as they will probably be bound by a confidentiality clause in their employment contract with BPF for a period of time after their employment ceases. What is achievable is getting a sales rep from advent to write a letter for us seeing as advent no longer exist any confidentiality stuff maybe void so there will be no repercussions .

 

If this and above post seem a bit random, google 'Sona Norris' and 'Barclays' to see what article I posted that people are referring to (removed by site admin - apparently libellous). :cool:

 

Sorry, 10pack already said that. :oops:

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Yes that is a good link.. why has CAG removed it?

from what I can make out its written from more than one ex emplyee to us students

 

The CAGbot telling off I got said it was libellous. I can see their point as names are named and if that results in court action from those shamed and named then I guess CAG could be seen as complicit and not impartial, just because it was on their site.

 

But this is publicly available elsewhere, on Facebook (Sona has posted it there where I found it) and on her own hub page.

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Just read the article - perhaps we should put together a template and send it off to the head at Barclays [The lady mentioned in the article]

 

Another thing when this maybe is done and ended.

A Petition to the Prime Minister,regarding the practice of fos when mediating. They also have a blatent disregard for S75, and just take BPF's word for everything. It seems fos are ok for getting a £12.50 charge back.

Anything more and they cack their pants - to scared to open a can of worms.

 

On another note just googling BPF and Mercers is starting to look like a horror show.With luck all this fuss now comming to attention may help in the future with unsuspecting folks taking out loans and insurances with BPF.

 

removed

Edited by lowdown
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Hey all Got yet another text message from 00 stating if I fail to pay Barclays will refer my account to a Debt collections Agency. Theres me thinking thay had already done that with all the phone calls I get. Oh yeah and Im still ignoring every phone call but in the process Im getting a nice little spreadsheet together stating dates and times of every call. By the way Im one of the people who is still not going to pay. People always tell me there is always a choice well ive always believed that so what makes Barclays any different.

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Hey all Got yet another text message from 00 stating if I fail to pay Barclays will refer my account to a Debt collections Agency. Theres me thinking thay had already done that with all the phone calls I get. Oh yeah and Im still ignoring every phone call but in the process Im getting a nice little spreadsheet together stating dates and times of every call. By the way Im one of the people who is still not going to pay. People always tell me there is always a choice well ive always believed that so what makes Barclays any different.

 

 

They can take you to court and try and recover the money....

' Well its like this me lord.......We [bPF] have not abided by S75 of the

consumer credit act, can you help us out and get us the money we are not legally owed'

 

Inviting trouble, and they know it - hence all the endles threats from BPF and the clowns from the Mercers Circus to get you to cave in.

 

You are not a criminal - you are involved in a dispute.

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If people think I work for Barclays that's just laughable, if only they knew the dealings I've had with them in the past. (one example) I had a loan with them @ £250/mth for 3 years which I ended up not being able to afford. I renegotiated the loan with them and all they offered me was £230/mth for 5 years. I had to take it cos I needed to save the £20/mth. I ended up refusing to pay and in the end my £6000 pound loan cost me £12000. I got a loan from somewher else and paid £220/mth for 7 years.

 

So no I do not work for Barclays. I 'kin hate Barclays and I want to cost them as much money as possible. Problem is the laws says I have to mittigate their costs so if I go round racking up their costs unduely they can reclaim those costs and that means I get less of my money back and they get to keep more of it. But if I keep their costs to a minimum, they can't reclaim them, therefore I get all of my money back and they get to keep none of it ergo it costs them the most.

 

I hope we all get our money back but it is my opinion that some people, by their actions, are making it harder for themselves. I understand why people are angry and refusing to pay, I've done the same thing myself and it only caused me more stress and more problems. When I started playing by the rules I got what I wanted. My conclusion therefore is that that is the best way forward.

 

My original claim against Barclays was that Advent failed to deliver the course and I wanted a pro rata amount of money back. Barclays told me though that as I was outside the 2 years as per the agreement there was nothing they could do and gave me a final decision.

 

Since then I have changed my claim against them and asked for all of the money back and told them I have evidence to support my claim. They have reopened my complaint and are reviewing the evidence I gave them.

 

FOS so far have been quite helpful, basically told me to watch out for Barclays lies and alerted me to some of the tricks they play (they didn't quite say it like that).

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Since then I have changed my claim against them and asked for all of the money back and told them I have evidence to support my claim. They have reopened my complaint and are reviewing the evidence I gave them.

 

foslink3.gif so far have been quite helpful, basically told me to watch out for Barclays lies and alerted me to some of the tricks they play (they didn't quite say it like that).

 

Errrrrrr...... good luck.

 

David

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I used to check this forum every day as it was quite useful, however I think this forum has stopped been productive and is now full of petty comments.

 

Why dont we all just try posting INFORMATION & FACTS, and stop posting our thoughts of how we hate BPF.

I want money back too, but trawling through everyones spin to bpf is not a productive measure on this forum.

 

Come on guys I know this is a terrible time, but the more information we provide the better it will be for everyone.

 

If anyone would like contact with the solicitor I and a small group has formed please contact me and I will try to help.

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