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    • Dear All,   BN - Thank you for your comments.    My wife had prepared the relevant notice to the court and rather than spending time redacting I am sending it as PM to the contributors to this thread. It covers everything we have been discussing and is in line with  your comments and our discussions.   For the benefit of readers oif CAG I will redact and post it later as we have pressing family medical matters to attend to.    Warm regards BF  
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    • Thanks for the images. It's shocking. This more than ever reinforces my view that you should take this to court. The number of people they must be fobbing off with this three months story is incredible – and they need pulling into line. If you simply complain to the CEO then they may sort out your problems – but the rest of it will go on as usual. They need something very serious here. In fact, I would think about suing them for £200 because I think that once they realise about the mistake they are making, they will be extremely anxious not to go to court. On the basis of this, I'm afraid I don't think I would even alert the CEO. I would send a letter of claim which will probably simply be seen by drones – and then issue the papers. I think you have an easy win on this case. Also, once they realise that they are dealing with a court case, they will look at the whole situation more carefully and they will probably sort out all of the problems at the same time. If they don't, then these two have laid down your marker and they will know that you're not mucking around and they will take you seriously.
    • These are the two incidents from Virgin Chat where their Live chat has informed me of the 'only 3 months' decision.... 15 April was the date they acknowledged receipt of my SAR. Apparently anything from before that date can't be included!
    • You could try both routes at the same time. Send your letter of claim by email to the CEO email address. Confirmed by letter. That way you have communicated with the CEO – but given a very definite deadline and a very definite promise as to what will happen if they don't comply. Then on day 15 sent the claim. Don't make a threat of legal action if you don't intend to carry it out. Don't bluff – but it is very easy to do
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
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      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
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      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
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Has anybody had any dealings with The Money Group?


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A friend of mine is having money troubles and has approached The Money Group with a view to either an IVA or a DMP.

 

I have not heard of this company so can not advise her.

 

If anybody has any views or experience of them could you please let me know.

 

Thankyou

 

HB

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It seems the Money Group deal with a variety of options to help clear debts :

 

link removed

 

I would just check that they do not charge any fees for their DMPs or IVAs. There are a lot of companies out there who have hidden upfront fees, meaning your money paid to them is not going directly to creditors. Free of charge companies that your friend could try with are CCCS and Payplan.

Edited by IdaInFife
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  • 7 months later...

Hi, I have been on a dmp with the money group for nearly a year now, i have had no issues whatsoever!

I got into alot of trouble as i was in a very high paid job and decided to get a few things on finance along with any credit card or catalogue i could get my hands on. At the time this wasn't a prob as i could always make more than a min payment on my bills. Then i got made redundant, my pay off obviously covered some things such as my rent and household bills until i found new employment but not my debts. I ended up giving everything i could back but was still left with a 30k debt!!!!! The money group contacted me and usually i would have hung up but i decided to hear them out. By that time i had a new job that didn't pay half as much as the last one and had also fallen pregnant (not good planning on my part!)

Due to the low income and low maternity pay i would be getting they set me up on a dmp, they do charge a small fee but i don't care, my debts are now out of my hands and i no longer have to worry when someone knocks on the door! Obviously being on a dmp the term i pay these debts over has extended but i am paying as much as i can currently afford, my creditors are lucky they are getting anything! Hopefully when i go back to work i can work my way up to a better wage and go for an IVA, at least that way i will have 5 yrs of repayments and i think have some of the debt written off (sounds good to me)

Hope this helps

Keribxxx

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  • 2 months later...

funniy enough i sighned up with them yesterday they seem fine i was going for an payplan dmp but i was told they cant freeze interst etc so therefore your debt could get higher while you are paying it and also i was told its run by volenteers and the people also arnt for you they are for the creditors so i thought best to go with this company they seem nice enougha and genuine marion

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They are a fee charging company and they cannot gurantee that the interest would be frozen either. They are apart of the freshstart home loans company.

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

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  • 1 month later...

i used to work for the money group and they are not part of freshstart. they are an independant company, yes there is a small monthly fee and while we cant garuntee to stop all your intrest we always get it lowered. its not just debt managment they do, its energy company switchover, setting up secure trust banking, reclaiming ppi and family/friend referrals

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I worked at the money group they are part of freshstart and I feel it is [problem] charging people twice or even 3 times there monthly payment as a set up fee over 2 months meaning there creditors don't get paid and I feel that the money group are targeting young single mothers and that they will only sign you up If you have a debit card so they can automatically take payments out of your account so if you don't send your client authority form back and they have taken money you are entitled Tobit back. You are best off dealing with creditors yourself as they are easier to deal with than people think and you don't have to pay any fees or set up costs.

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They are only doing what all fee management companies do - that doesn't make it right or wrong it is just what they all do. You can do it yourself though with advice from this site as you will have seen and all the letter templates to use are in the library...

:lol:

Successfully claimed back mis-sold PPI (Barclays Bank) 2009-10 (£8500)

Ran a paid-for DMP. Deeply respect those who self-manage a DMP; it is possible to do with the help of fellow CAGGERS

Offered F&F to all my creditors. All closed out including a particularly intransigent and stubborn one - who eventually saw sense after 10 months of nonsense!

Does not condone debt avoidance but violently disagrees with the antics of debt collectors and their behavior towards the ones trying to pay. I am a great believer in what goes around, comes around. Keep up the good fight!

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  • 2 months later...

Yes, they called me just when I was feeling the pinch, and so I agreed to their terms and (foolishly) gave them my card number to pay an initial £10. When it came time to sign the official papers to start their debt management plan (which would have meant paying £80+ a month), I got cold feet. Well, over the next few WEEKS| they phoned incessantly trying to persuade me - and this put me off even more. I finally blocked thier numbers and emailed them to return my £10, and that I was solving my debt problems through another route.

Today I saw that they took £83 from my account without my authorization. As it is the weekend, I cannot get through to them to complain, so have to wait til Monday. They will say I agreed to it, somehow - I'm sure. But I will threaten them with Trading Standards, Watchdog, and whatever I can throw at them. Stay away! And by the way, upon calculating what I would end up paying them in total, it would have been £7000. My debts are only £4000.:-x

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  • 3 weeks later...

Hi there , ive been on the phone to the money group for the past hour and a half and have offered me the help of a debt managment scheme which is only available in scotland , and as i am from scotland this is great it freezes my charges and etc guaranteed , they are sending out the paperwork and making me aware of there monthly charges , and a one off set up fee, i cant decide if this is a genuine help to me or making things worse?

has anyone had a similar good experience where i can put faith in them if i proceed and sign everything ?

or has anyone got a good success story which could be helpful ?

any comments well appreciated ,

Thanks !

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  • 1 month later...

Hi everyone,

Just to clarify, The Money Group is not run by volunteers. Ihave worked there for quite a while and we do get paid.

We are very upfront about our fees. It’s just a smallpercentage of your Manageable monthly payment. The TSR that youoriginally answer the phone to physically cannot quote you any prices on plansor fees. The prices and fees vary with everyone’s individual circumstances. Weare legally not allowed to put you in a worse position, so if something won’t benefityou. . . . the TSR won’t pass you to your own Personal Finance Manager, theywill simply let you know. Even if you do get passed through, it’s onlydownstairs of the same building . . . . (Nothing to fret about!!) . . . andthey look at your situation in a little more detail and will also tell youimmediately if a Debt Management Plan or IVA isn’t best suited for yourself.

You will be asked if you would like to pay anything at thetime of the conversation as a token payment, however you are not obliged to paya token payment and there is no pressure at all if you don’t want to or cannotafford to.

As stated above, there are non-fee charging companies (nonames) but the majority (if not all) are actually being funded by the creditorsthat you owe money to. Google it! They need to be able to afford the help theyare giving and need money from somewhere . . . do they not? So, where as we,and other companies alike, are fee charging . . . we work on behalf of ourclients. We do specialise as a company at looking to freeze any interest orcharges being put on top of your accounts.

We help, on average, around 150 people a day. I don’t understandwhere the post above got the “single mothers” from . . . I suppose it’sdifferent for every different TSR as to who they notice the most. We get ourdata from Loan and Credit Card companies. They are mainly, loan decline’s etcso there is quite the variety of recipients of our calls.

Basically, if we didn’t think we could help you, we wouldn’tbe phoning you. We don’t know until we have asked.

Any questions, please feel free to ask.

 

Lola-01 :-D

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As stated above, there are non-fee charging companies (nonames) but the majority (if not all) are actually being funded by the creditorsthat you owe money to. Google it! They need to be able to afford the help theyare giving and need money from somewhere . . . do they not? So, where as we,and other companies alike, are fee charging . . . we work on behalf of ourclients. We do specialise as a company at looking to freeze any interest orcharges being put on top of your accounts.

 

The free debt management plan providers such as Payplan and CCCS do indeed recieve funding from the creditors to ensure that they can provide debt management plans at no cost to the public, this does not mean that 'they work on behalf of the creditor'. It is imperative to seek impartial advice when deciding on the best option to approach a debt situation. Often the commercial sector do not provide the public with truly holistic advice.

For Free, Confidential and Independent advice: 0808 808 4000

Monday - Friday 9am to 9pm // Saturday 9.30am to 1pm // 24-hour voicemail. Please leave a message to request an information pack. http://www.nationaldebtline.org // http://www.mymoneysteps.org

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Hi Lola

 

Even if you do get passed through, it’s onlydownstairs of the same building . . . . (Nothing to fret about!!) . . . andthey look at your situation in a little more detail and will also tell youimmediately if a debt managementlink3.gif Plan or IVA isn’t best suited for yourself

 

Can you clarify what you mean by "tell you immediately" and perhaps tell us what happens to those who are not suited to an IVA or Debt Management Plan?

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Hi,

 

Sorry i've been so busy recently and havent had the chance to check this page.

 

We get all of our data from loan and credit card companies, so when people apply for loans or credit cards . . . the often leave a box unticked that allows their details to be passed on. I will stress that there are NO financial details on the individuals, just their names and numbers.

 

"Can you clarify what you mean by "tell you immediately" and perhaps tell us what happens to those who are not suited to an IVA or Debt Management Plan?"

- Basically, you speak to a TSR first, and they just take a brief summary of your situation (Who you owe, aprox how much, if you are making any payments and if you are how much, if you are working and if you an aprox monthly income). The Personal Financial Advisor that you will be passed through to is an expert in all areas and will do an income and expenditure etc. If the Advisor can see that neither of the plans would be realistically affordable for yourselves due to any priority expenditures (rent, mortgage, food, bills etc) that are taking up most of your income . . . they will tell you that it wont be suitable. Also, for example, with an IVA, if you are a homeowner and have a large quantity of Equity in your house . . . that wont be suitable either. Basically the Advisor will cover more ground with you than the TSR will and will be very honest. The advisors wouldnt be doing their jobs if they werent working to find what is best for your own individual circumstances.

I understand the necesity for impartial advice within this situation, but i am merely just letting an insiders views and voice be heard along with those of clients of past, present and future.

I do not claim that we are the best or the worst. Im not saying "Choose us!". I'm just answering questions that were asked.

I really hope this all makes sense. Again, any questions, i'll try my best to answer.

Lola-01 x :sleep: :sleep:

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Hi Lola

 

Thanks, a little jumbled up in my opinion mind, but I think I get the basic picture, sounds a little like processing to me (a sort of can we make any money out of this maybe, and if not....well)

 

Just my opinions based on this thread and the contributers to it.

 

Oh, and cannot really see where this part of the question has been answered -

 

and perhaps tell us what happens to those who are not suited to an IVA or debt managementlink3.gif Plan?

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Offer your creditors £1/month using the letters in the library - a DIY solution.

:lol:

Successfully claimed back mis-sold PPI (Barclays Bank) 2009-10 (£8500)

Ran a paid-for DMP. Deeply respect those who self-manage a DMP; it is possible to do with the help of fellow CAGGERS

Offered F&F to all my creditors. All closed out including a particularly intransigent and stubborn one - who eventually saw sense after 10 months of nonsense!

Does not condone debt avoidance but violently disagrees with the antics of debt collectors and their behavior towards the ones trying to pay. I am a great believer in what goes around, comes around. Keep up the good fight!

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  • 4 weeks later...

stay well clear of this company

 

they toko £120 out of my account on the 16th dec a month before they should have

 

i have been trying since the 16th to get my money refunded and all they have done is fob me off

 

they never ring back and

 

they tell you there open till 8 when in fact the close at 7

and they have not contacted any of my creditors and

 

my creditors say they have been in touch with the company and i do not have an account with them

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Hi licence details below ...not that ther asr two lists one ended in 2011 so if you want more details then the OFT site is there so you can check them out ....but as others on here & this includes myself say you can diy with the templates and help from others....or use payplan or cccc who are non fee paying .

 

 

 

Licence Number:0463522

Licence Status:Current

Current Applicant / Licensee:

 

Business NameCompany Registration NumberThe Money Group (Cornwall) Limited03641763

 

Categories:

 

Consumer credit Consumer hire Credit brokerage Provision of debt-adjusting on a commercial basis Provision of debt-counselling on a commercial basis

 

Right To Canvass Off Trade Premises:Yes

 

 

Trading Name(s) (Current):

 

Consolidated Credit Fresh Start Calling Fresh Start Financial Management Fresh Start Loans The Money Group TMG TMG Direct TMG1 TMG2 Total Commercial Trust Money http://Www.Debtstretched.Co.Uk http://www.homesweetloan.co.uk http://Www.Themoneygroup.Co.Uk http://www.urgentremortgages.co.uk

 

Trading Name(s) (Historic):

 

The Money Group Home Sweet Loans Fresh Start The Mortgage Group

 

Issued Date: 04-Mar-1999

Date Maintenance Payment Due: 19-Mar-2014

 

 

Legal Formation:

 

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

 

NamePositionAnthony Murtagh KEVIN WILLIAMSON

 

Historic Individuals that run the organisation:

 

NamePositionAlec David JohnsonOFFICERAndrew Paul SinclairOFFICERAnthony MurtaghOFFICERKevin JohnsOFFICER

 

Nature of Business:

 

Mortgage Brokers

 

Current Address(es):

 

Address TypeAddressPrincipal Place Of BusinessTmg House, 26-27, Charles Street, Truro, Cornwall, TR1 2PHRegistered OfficeTmg House, 26-27, Charles Street, Truro, Cornwall, TR1 2PH

 

Historic Address(es):

 

Address TypeAddressCorrespondenceBuilding A, Green Court, Truro Business Park, Threemilestone, Truro, Cornwall, TR4 9LF, United KingdomCorrespondenceCourtleigh House, 3rd Floor , 74-75, Lemon Street, TRURO, Cornwall, TR1 2PN, United KingdomPrincipal Place Of Business2nd Floor Courtleigh House, 74-75, Lemon Street, Truro, Cornwall, TR1 2PNPrincipal Place Of BusinessBuilding A Green Court, Truro Business Park, Threemilestone, Truro, Cornwall, TR4 9LPPrincipal Place Of BusinessBuilding A, Green Court, Truro Business Park, Threemilestone, Truro, Cornwall, TR4 9LF, United KingdomPrincipal Place Of BusinessKernow House, Newham, Truro, Cornwall, TR1 2XPPrincipal Place Of BusinessUnit 8, Bickland Industrial Estate, Falmouth, Cornwall, TR11 4TARegistered Office2nd Floor Courtleigh House, Lemon Street, Truro, Cornwall, TR1 2PNRegistered Office3rd Floor Courtleigh House, 74-75, Lemon Street, TRURO, Cornwall, TR1 2PN, United KingdomRegistered Office3rd Floor, Courtleigh House, 74-75, Lemon Street, Truro, Cornwall, TR1 2PN, United KingdomRegistered OfficeBuilding A, Green Court, Green Court, Truro Business Park, Threemilestone, TRURO, Cornwall, TR4 9LF, United KingdomRegistered OfficeKernow House, Newham, Truro, Cornwall, TR1 2XPRegistered OfficeTruro Business Park, Building A, Green Court, Threemilestone, TRURO, Cornwall, TR4 9LF, United KingdomRegistered OfficeUnit 8, Bickland Industrial Estate, Falmouth, Cornwall, TR11 4TA

 

 

 

 

Licence Details

 

 

Licence Number:0592378

Licence Status:Lapsed on 01/11/2011

 

Current Applicant / Licensee:

 

Business NameCompany Registration NumberS.R. Harrison Limited5176716

 

Categories:

 

Consumer credit Consumer hire Credit brokerage Credit reference agency Debt adjusting/counselling Debt collecting

 

Right To Canvass Off Trade Premises:No

 

 

Trading Name(s) (Current):

 

The Money Group

 

Issued Date: 01-Nov-2006

 

 

Legal Formation:

 

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

 

NamePositionAnn Rosemary HarrisonOFFICERStephen Raymond HarrisonOFFICER

 

Nature of Business:

 

Investment/Financial Advisers

 

Current Address(es):

 

Address TypeAddressPrincipal Place Of BusinessOcean House, 20 Walker Avenue, Whitefield, Manchester, M45 6TPRegistered OfficeOcean House, 20 Walker Avenue, Whitefield, Manchester, M45 6TP

 

 

 

 

Dynamic.aspx?text=Back Dynamic.aspx?text=History

bkg.oft.gif Licence Details

 

 

Licence Number:0592378

Licence Status:Lapsed on 01/11/2011

 

Current Applicant / Licensee:

 

Business NameCompany Registration NumberS.R. Harrison Limited5176716

 

Categories:

 

Consumer credit Consumer hire Credit brokerage Credit reference agency Debt adjusting/counselling Debt collecting

 

Right To Canvass Off Trade Premises:No

 

 

Trading Name(s) (Current):

 

The Money Group

 

Issued Date: 01-Nov-2006

 

 

Legal Formation:

 

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

 

NamePositionAnn Rosemary HarrisonOFFICERStephen Raymond HarrisonOFFICER

 

Nature of Business:

 

Investment/Financial Advisers

 

Current Address(es):

 

Address TypeAddressPrincipal Place Of BusinessOcean House, 20 Walker Avenue, Whitefield, Manchester, M45 6TPRegistered OfficeOcean House, 20 Walker Avenue, Whitefield, Manchester, M45 6TP

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  • 2 weeks later...

I would NOT recommend using The Money Group,

 

they say a small charge but this charge is DOUBLE what you agree to pay a month.

 

For example if you agree to pay £150 a month then TMG take your first two payments so none of this goes to the creditors they also have a monthly charge from the £150 as running costs.

 

I worked for them for a very short while and they are money driven idiots.

The verifiers will say everything and anything to get you to agree to go to an adviser as its commision based.

 

The CCCS or CAB are a good way to go although you have to write to creditors atleast ALL your money goes to your debts.

You can arrange for debts to be frozen.

DO NOT GO WITH TMG,

 

they throw facts at you to make them seem amazing but their are plenty of DM companies out there with cheaper fees or FREE.

 

Also before i forget whent they say

"can write off up to 75% of unsecured finance"

 

they mean an IVA so dont get brought in by that line as its easy to hook people in by that.

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Hi everyone,

 

Just to clarify, The Money Group is not run by volunteers. Ihave worked there for quite a while and we do get paid.

 

We are very upfront about our fees. It’s just a smallpercentage of your Manageable monthly payment. The TSR that youoriginally answer the phone to physically cannot quote you any prices on plansor fees. The prices and fees vary with everyone’s individual circumstances. Weare legally not allowed to put you in a worse position, so if something won’t benefityou. . . . the TSR won’t pass you to your own Personal Finance Manager, theywill simply let you know. Even if you do get passed through, it’s onlydownstairs of the same building . . . . (Nothing to fret about!!) . . . andthey look at your situation in a little more detail and will also tell youimmediately if a Debt Management Plan or IVA isn’t best suited for yourself.

 

You will be asked if you would like to pay anything at thetime of the conversation as a token payment, however you are not obliged to paya token payment and there is no pressure at all if you don’t want to or cannotafford to.

 

As stated above, there are non-fee charging companies (nonames) but the majority (if not all) are actually being funded by the creditorsthat you owe money to. Google it! They need to be able to afford the help theyare giving and need money from somewhere . . . do they not? So, where as we,and other companies alike, are fee charging . . . we work on behalf of ourclients. We do specialise as a company at looking to freeze any interest orcharges being put on top of your accounts.

 

We help, on average, around 150 people a day. I don’t understandwhere the post above got the “single mothers” from . . . I suppose it’sdifferent for every different TSR as to who they notice the most. We get ourdata from Loan and Credit Card companies. They are mainly, loan decline’s etcso there is quite the variety of recipients of our calls.

 

Basically, if we didn’t think we could help you, we wouldn’tbe phoning you. We don’t know until we have asked.

 

Any questions, please feel free to ask.

 

Lola-01 :-D

 

 

Yes, and phoning day after day when you have been told the person is not interested? I suppose that is simply out of the goodness of your heart.

This is simply preying on the vulnerable. Financial 'ambulance chasing'.

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Please note that this topic has not had any new posts for the last 3132 days.

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If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

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