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    • I am helping my niece on an overdraft debit originally with the Bank of Scotland that was bought by Intrum.  I would appreciate any help and advice. . . here is the story so far: The bank account was in my niece’s name that had an overdraft facility. My niece and her partner, at that time, run into some financial hardship caused her to default in account, March 2017. They agreed with bank to settle the outstanding some but removing the excessive charges. My niece’s partner claimed that he paid the agreed sum and the couple never heard any more from the bank on the issue until started to their claim. Unfortunately all the records of the settlement is with my noises x-partner. So we have not much to go on other than retrieve all the bank records on the account. Intrum bought the debit on 28/11/2018. Intrum filed to recover the debit with the Simple Procedure court in Glasgow in April 2020. I have send SAR letter to the Bank of Scotland but had no response from them yet, perhaps because of the current Pandemic situation. The court directed me to call the original loan holder to the Case Management discussion, by filling in some legal form, to answer to present their legitimacy of the debit.  I would be grateful if anyone could have help with your views on the best way to proceed.
    • How do I know what to reply though and how to get it right.  I may have had 12 months to sort it but I simply have not been able to afford to keep it up. In December I had high hopes but circumstances completely out of my control at that time meant rightly or wrongly my bank account was not on my mind. Bear in mind I have taken out 2000 and paid back 4700 or thereabouts. So it certainly isn’t the case that I never ever paid them or tried to run away.  I have made substantial payments throughout these couple of years. 
    • get some CCA request s running tomorrow. without enforceable paperwork no-one is going near a courtroom door. wait and see what toilet paper each one returns with. they have 12+2 days else one of your options is too cease payment until they do.    
    • Hi  I wonder if anyone can assist. We purchased a proform treadmill from Sweatband.com approximately 3 months ago. It is a fairly large treadmill and we purchased with the intention of putting into our garage which has electrical wiring and my partner has a turbo trainer already in there (has been for years). Only when the treadmill got delivered did it the warranty documents advise against keeping it in the garage. No where on the website for Sweatband or the manufacturer's website does it recommend the treadmill is not kept in the garage. The sweatband website has a treadmill buyer's guide where it actually comments that people like to put treadmills in the garage but consider the head height. So it is only after you have purchased and taken delivery of the treadmill are you advised not to keep it in the garage.    We took delivery and set it up on a proper gym mat. We make sure to turn it off when not in use and to cover the treadmill when not in use. It has been working fine. I used on Friday night and then on Saturday morning when I went to switch on the electrics have stopped.    Sweatband are now redirecting us to the manufacturer who are saying we have the item in an unsuitable environment and this will void our warranty.  The item is so big we cannot physically lift it out of the garage and we do not have a room in the house big enough to store it.    Has anyone had any similar problems with treadmills in the garage and it affecting the warranty? We feel we have been mis-sold a product as it is only after you have taken delivery are you told you cannot store in the garage despite the seller's guide making reference to where to store your treadmill and making reference to the garage but failing to warn it is against advice to store it there. We would have never bought the treadmill if we knew it was unsuitable for the garage.    Also we made the transaction via paypal but using our credit card. Do we have any protection with our credit card or paypal? The cost was £1,500 so we do feel it should last longer than 3 months.   Any help or advice would be much appreciated.   Thanks  EM0149 
    • they weren't enforcement officer, they were a powerless DCA.   the point of only getting 2 days to raise £1500 (not £1800 the £300 repo fee is an unlawful penalty) is one we shall use. BUT!!!....... you can't call the kettle back , you've had more then 12mts to sort this out, you haven't, so the other points are pretty much irrelevant, it works both ways .   your reply has got to be very very carefully worded in most certainly wont be tonight nor tomorrow you should answer poss by friday, you rush back with a poor reply you play right into their games. don't!!  
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
      I opted for mediation, and it played out very similarly to other people's experiences.
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
      Many thanks, stay safe and have a good Christmas!
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Motormile Finance DCA- Doorstep Visit **

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Very nicely put DCA hater,


can you answer a question, If a DCA say's that


We are writing to give you notice that by agreement between blash and us the parasite DCA the outstanding balance owed on your accout to blah blah comapny

has been assigned by blah blah to Parasite DCA limited together with all rights and title to interset in respect of the outstanding balance

this means the outstanding balance should be paid directly to us


Does this mean they have bought the debt or should they say we have bought the debt.


Also I have had no notification from Blah that they have sold the debt.

Is this as I think smoke and mirrors, it is for a disputed home insurance I did not require due to leaving the home so I wrote and cancelled.

after four months they write and say we could not pick up January and February premiums. e-mailed them copy of letter sent..


my God this was for £58 and has been through 2 DCA's and it has risen to £166.


I have no intention of paying this and yesterday a letter from there pet solicitor well known on this site gives me 10 days or else Northampton CC...


Yes they have bought it Hippy, would write to the ''solicitor'' and put them straight that the insurance

was cancelled and you can prove it, this sol is one that backs down at the 1st sign of a defence?

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thanks Brig and Squaddie,


Problem is Brig that I would be hard pushed to prove I sent the letter as unlike my debts I thought all would be fine no need for certificate of posting,

done business with this company for years.


As you know I let the house get repossessed and the premiums for this insurance was through my ex-s bank account.


when the renewal came I straight away wrote saying NOT REQUIRED>


Thought all was well until April when I get a letter saying we could not pick up the January and Februarys DD.


Honest this one is a night mare..

. then went to one DCA who kept saying I had not contacted them and kept putting on £15 charges.....

With the Breakdown of what they are claiming most of it is charges,

they are trying to charge me for a years legal cover and a years this that.


So riddled with charges and annual cover that of course I have not got.


Never ever received a default letter from the insurance company,

in fact can't remember if I ever signed an agreement as I use to pay it by the dreaded credit card..


. Brig, do you think its worth Sending a SAR and CCA request to insurance company ????


I smell a big rat here Brig, not to inform me until April that the January and Feb's payment have not been taken out.... !!!!!!!!!!!!!!!!


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Hi Hippy, I agree I think a SAR to insurers accompanied

by a strongly worded formal complaint is in order, unless

the premiums were paid on an installment agreement

regulated by CCA '74 there will not be an agreement.

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Thanks Brig for your prompt reply.


I am now on to it, will get it up and running.


Should I send it to the DCA, let them know I am not going to be pushed over on this or straight to insurance company..


. You know brig, all my massive debts and this little blah blah has given me the most headache,

they are like a dog with a bone.


Was going to offer the two months premiums missed but I am so disgusted at the way this has been handled they can run and jump....


Think I have enough to defend if it is and I think they will go to court for this one...


. No Default notice served, and maybe no CCA and certainly the charges they have humped

on I can prove with Certificate of posting that I answered all there demands and copy of letters.


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Yes send a copy to them.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

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Well Squaddie they have, and I replied to them and lucky this time I kept certificate of posting... £15 a time they saying I did not contact them blooming cheek. Thanks Brig have done a complaint to insurance company and the SAR and CCA request will e-mail copy to the DCA and pet solicitor. I would have come to an agreement with the insurance company by paying a cancellation fee if they had contacted me straight away.... but from January 14 and no notification till April sounds blooming dodgy..


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I have had communications from these clowns for the past year and then it all stopped and now started up again,

having done a LOT of research both on the legal ramifications of DCA's and also statutory consumer legislation, notwhithstanding the law on debt.


I have concluded as follows.


1. Unless the creditor send YOU a letter confirming that the debt has been sold as part of or separate to 'a bad debt bundle', they're shafted.

Creditors would rather get £20 for a £500 debt as something back rather than nothing,

so DCA's like Motormouth buy large bundles of bad debts,

if they manage to secure a repayment plan and collect thw whole debt, they're QuickQuids In (pun intended).


2. MMF appear to not like playing by the rule of law, they are notoriously not contactable by email,

I have tried all sorts of tricks to get an email inbound and it fails every time,

WHOIS searches also don't give any firm contact, they LIKE telephone contact,

offering a freephone number as they have persuasive agents who are commission based,

they'll be your buddy, your best friend so long as you cough up the sovereigns,


3. They, as all DCA's have NO power in law above you and I, they are a private limited company by share,

owned by directors (ex illegal moneylenders probably who went to the wall when Payday loans kicked in).


4. The grounds rules are NEVER call them, EVER, if they send a text message ignore it, if they call ignore it,

most DCA call centers have auto responders, which permanently dial the known numbers of debtors,

should you answer there's a slight pause and it connects to an agent, they use pseudo mobile numbers to allude you to pick the call up,

many people ignore landline numbers but will answer a strange mobile number (and we have YOUR number MMF!)


5. They don't like emails ( a valid and quick legal way of communicating).


6. So, contact by post only to their head office address or if you want to be smart

and send legal notifications to them send them to the Registered address for service.


7. Always send by Recorded Delivery, NEVER give a legible signature on a letter,

I have heard of DCAs copying and pasting sigs onto agreement forms, nasty way to do business.


8. If the debt is big enough or if you owe multiple creditors and they have a bundle which would earn a tidy sum then

they will probably attempt a visit if you're local to one of their misbegotten offices, failing which its just letter after letter after threatening letter.


So, how to deal with pond life like Motor Mouth Finance?


One very easy and simple solution, street legal (they and TV Licensing know this!) and basically they're screwed.

If they can PROVE they own the debt, and its not in dispute between you and the original creditor they 'may' try court action,

but the courts are now very wise to these scumbags and rarely find in favour.'




A legally binding notice from a householder, doesn't have to be legal owner or landlord or property, as a tenant you have this absolute and irrevocable right in law.

The only TWO organisations that can bypass this is a) The Fuzz and b) if they believe you're watching TV illegally, the Capita cowboys that run the TV licensing contract

BUT they have to have a search warrant first AND have reasonable grounds to suspect

... mere possibility is out of the question. You need to send MMF a letter by recorded delivery (and keep a copy AND receipt)

saying something alongside the text below, this is legal and prevents them by law from any agent,

collector or person remotely associated with the business from attending your property or setting foot on it,

to do so is the civil offence of trespass for which your remedy in law is to sue, if they repeat visits it becomes trespass with harassment a more serious offence at court.

This kicks the cowboys into the long grass, DCA's would rather you didn't know this as it is such a strong weapon but not widely known

(Bailiffs especially hate it as they LOVE home visits. TV licensing became so concerned about the threat of action from householders that they created a new policy document to cover it, it really is THAT powerful !!)


The format of your letter only needs to look similar to that shown below to be off effect.


" 14.07.2012









I reply to you by recorded mail in response to several text messages and

attempted telephone contacts to the above alleged debt. i have not

received to date by recorded delivery any deed of transfer nor deed of

assignment of the debt from the purported and alleged creditor.



I 'YOUR NAME', give formal notice of WOIRA, 'Withdrawal Of

Implied Right Of Access' to the property known as 'YOUR ADDRESS'. This notice prohibits any

visitation by any operative / agent / person / or body corporate from

attending the above property without revocation of WOIRA or by prior

written rescission of same. This WOIRA applies to Motormile Finance (UK) Ltd and its authorized agents or third parties connected with them.



Take notice that should you attempt to enforce a 'doorstep collection'

process, you will be committing the offence of trespass in law and legal

action will be taken against Motormile Finance UK Limited, by service of

a notice by recorded delivery at court to the following address ;-


LEEDS, LS18 5NT, and of which the company registration is 06637307


No further communication will be entered into on this matter, nor will

any letters, telephone contact attempts or text messages be replied to

or complied with. Further harassment for alleged debt will be met with

the full force of the law as circumstances dictate.







This ladies and gentlemen will p1$$ them off immensely. Have a good day! :wink:


do you know where their misbegotten offices are?

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i believe its Protection House, somewhere in Leeds area, googling it should find it, most DCA's hide behind a pseudo address so the windows can't be bricked and operations are normally out of some rat infested out of town offices as the rents are cheap and cheerful.

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Hi all


I had a random email from these guys today to my yahoo email address


Message for Mr A XXXXX. Please contact us to arrange home visit appointment date. Call Home Visit Department 01274 631000 , ref.MXXXXXX



I believe that one of my payday debts has been sold to them but that I have not been informed of it, if this is the case, is the debt still enforcable?


Also, has anyone ever had these guys turn up on their doorstep?

247moneybox: £418.04

1monthloan: £260

WageDayAdvance: £462

MicroCredit: £156

Amigo: £427.44

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They do actual make the visits.

Check your credit files re that payday loan,

this could be another matter.

A notice of assignment or lack of it will not

make the bebt unenforceable as it's easy

for one to be produce by either the OC or the DCA.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

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They also try the trick of ringing from a landline number first (i had one today) followed by exactly the same mantra in a text message, i'll never ring the scumbags as i wont give them the time of day BUT they ARE getting a letter at the weekend informing them of WOIRA and a polite request for confirmation of a payscum debt being bought as a bad debt bundle. DCA's belong in the sewer with all the other filth.

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Motormiles Address is as follows:


Head Office and Accounts

Protection House

83 Bradford Road


LS28 6AT


Tel: 0844 7709583 or 0844 7709584


Fax: 0844 7709647


Web: www.mmile.com


The above address is where the Directors of this shambles company are based.


Also this company does not like to give out its complaints procedure either or will use any excuse to say its not there fault you bypassed the complaint process. A process that they keep completly secret and dont like to give out or display on there own website so just keep perstering them for the complaints procedure and report then as well.

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I've had a letter in this mornings post from Clowns-r-us aka Motormile

a debts been brought by them but worded as transferred and I have a formal notice (shaking in my boots now!) of an impending doorstep visit,


i've found a live email that doesn't bounce back, just make sure you do a read receipt on it.


The email encourages contact to prevent a door step visit i.e. they assume you'll s&&t bricks and cough up ..

. not me, i've sent a WOIRA by email today, so thats my first salvo off the bow onto the decks of the steam liner MMF,

followed next week by same via Recorded Delivery, now lets see a doorstep visit ... parasitic vermin,


i love the amount of money they must spend sending texts and trying to ring .

. all to no avail, they're not getting so much as a used piece of chewing gum out of my pockets, curl up and die.


The email address is: fort@mmile.com , so one would assume that you can bang thru any comms to them just to fill their inbox up to overflowing,

whether they 'read' any comms is incidental, just keep the send message or print it as evidence of due service to the crap bags. :D

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Yes, they will send a letter detailing who they've bought the debt off for a bag of chocolate coins and half a mars bar. I am sending motormouth finance a letter at the weekend rescinding ANY and ALL access to my property, quite legal and proper, the idiots have got into the habit of ringing and then sending a 'frightening' text as follows ...


"Your account is on my home visit schedule. MMF 01138876876 or 0800 996 1103 (the the debt ref number).


looking at several number trace sites , just cut and paste the numbers into google, these are evidently threat calls with menaces from **** HQ to frighten people into coughing up the readies, once my WOIRA hits their dusty letterbox by recorded delivery, one - just one home visit will result in court action and ill hang em by the you-know-whats from high to bake in the searing sun. Ignore texts, ignore the phone calls, i bet they love ringing my land line but i never use it so more wasted time and money for them, and ha ha. NEVER ever call them even on the free phone number, let them stew in their own juices until they shrivel up and die - parasitic chancers who one day will go the same way as cowboy clampers , down the loo.


I love you motormile, you make me laugh and laugh and laugh .... do come round, i dare you, in fact I DOUBLE dare you !!! See what you get !!!

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My landline doesn't ring in the house so if they try ringing they will have a pointless exercise.


Decided to ignore them and wait for the next threat letter, they can't do a home visit as I wouldn't let them through the security doors and if they do gain entry to the communal area they are trespassing and my 6ft 5inch upstairs neighbour would help see them off... complete with his golf clubs if necessary!


You could always invite them round and offer them a drink laced with laxative medicine.

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Day off today and phone just went live 4 times, it seems more than coincidence.


First was a text from Moutormouth - you're on our visit list ... cool, try this weekend when i'm away,

assuming you have the ability to materialise like a ghost through a security door with no public right of access and trespass on private property (as you have a letter on its way for WOIRA!) ..


then the phone rang, quick google .. MMF , hooray !!!


Then a call from some Claims company in same area, knowing how $h1T sticks to a blanket probably the same company just diff chancers department,


then 10 mins later, Lowell 1 portfolio,

now their letters (yep, ive got one!) are to the point make FULL payment now .. yes, sir, certainly Sir, cheque? cash? jelly beans?

Nope, you're not getting JACK from me Lowell, not a penny,cent,dime,euro .. well, perhaps yes for Euro as it's nearly worthless now.


Then a text from them,

make contact urgently today, nope,

then another call decided to have some fun in the sun,


so silently clicked answer and sat there for a minute and then bellowed down the phone ... might just get the message,

but I doubt it, always like a little fun with these people.

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Hello dca hater


Glad to hear you ain't bothered about that load of bottom cavities, Still waiting for a response after they sent me someone else's cca details by the way i am in the middle of contesting a issue with the wonderful lowell.

Miss samantha bernard seems to be very elusive as they are trying to get me to cough up £370 but after i sent them numarous amount of letters saying i can't

find the payment on my bank statements that they claim i made and i have 7 yrs worth of them,

Just waiting to hear from them again


Will keep you all posted on the outcome

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MMF are top of my list for parasites. Been plagued by them for months - usual threat o grams etc. inc a disgusting threatening letter which promised all sorts including possibility of imprisonment LOL etc. I`ve kept this letter in case they want to push it and will be happy to show a judge what kind of threats they make.


All went quiet and then Lo! I get a letter from a local Solicitors asking for the full sum of this Payday debt. No mention of the clients, even thought they say the " on behalf of the above named clients"..Eh?

I knew it was on behalf of MMF because they had an MMF reference number on the letter... dunno why they don`t want MMF to be shown on their threat letters...

I`ve had 2 e-mails since then from the Solicitors, exact same as the letter - very short and demanding full payment or legal action will be started.


I e-mailed the Solicitors back and told them that their client can have £1 a month as thats all i can afford and i`ll be happy to tell a judge that in court and show the proof of my only benefit - DLA Care Component.

There was no response, except the same e-mail a week later. I had also asked for a breakdown of this old QQ debt because i didn`t recognise the figure and most certainly did not borrow that amount. Obviously interest/charges were added.

Now i haven`t had any more threatening e-mails in well over a week, so, who knows what they`re up to.


I do plan on defending myself against these scumbags if they want to push this to court and if the Judge agreed on me only be able to pay £1 a month (which they should do when they see how low my income is) I`ll be happy to pay that. The knowledge that MMF will take YEARS to recoup that money back will be quite satisfying :)


renegadeimp - I do have knowledge of the loan they are chasing after, but the amount has had interest added on it, so I want the Solicitors/MMF to give me a break down what`s been added to it. To be honest i would have set up a repayment plan if it had been a reasonable DCA chasing it, but MMF and their tactics induce only rage and a stubborn refusal to pay them. £1 a month would still be a slap in the face for them...:)

Edited by BreakFree
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If you dont have knowledge of the loan, then you need to send the prove it letter. Then ignore everything else you get apart from the proof, or a letter saying they are discontinuing.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..



If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks


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  • 2 weeks later...

Does anyone get a telephone message from Mike. Would that make it M@MMF.con Sounds like a right mouthful.

Frederickson - CCA Sent 11/4/07 - Lost - Claiming back from post office

Connaught Collections - CCA Sent 11/4/07 - No Agreement - returned to client

Lowell - CCA sent 11/4/07 - No agreement - returned to client

Moorcroft - CCA Sent 11/4/07 - No Agreement - returned to client

Red Castle - CCA Sent 11/4/07 - Copy returned but no T&C's

Robinson Way - CCA Sent 16/5/07

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I had this email today, should I ring them?



Our ref: Mnnnnnn

Re: Think Finance (UK) Ltd t/a 1 MONTH LOAN (debt assigned to Motormile Finance UK Ltd)

Debt value: £760


One of our Doorstep Agents will shortly be attending your property and this is a formal request for you to provide an agreed appointment time and date, failing which our agent will have no option other than to arrive unannounced.




Please contact us urgently on 0800 9961103 or 01138 876876 quoting reference Mnnnnn

Edited by manontheweb

247moneybox: £418.04

1monthloan: £260

WageDayAdvance: £462

MicroCredit: £156

Amigo: £427.44

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Check the cag library for the doorstep collectors letter. If they do turn up, tell them to leave or you will call the police. Tbey also cannot charge you for it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..



If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks


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Should you ring them??


Your having a giraffe aren't you?

You need to edit your post and remove the ref number.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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