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    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
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    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
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Barclaycard have passed my £3800 ex-Egg debt onto Mercers? - CCJ coming?


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I feel a bit stupid for asking this but I have severe cognitive issues at the moment and no matter how much I've read it's not sinking in.

 

If a creditor takes me to court for an unsecured debt and a CCJ is issued for an amount I can afford in installments (eg £5 pcm), can they do anything if I DO comply with the CCJ?

 

Can they, at the first court hearing just demand a charging order or bankruptcy order rather than payback in installments?

 

It seems too easy if I was issued with an affordable CCJ and stick to it that they can't do anything. It would take centuries to get all monies owed!

 

Thanks, Daniel (dazed and confused).

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Nope. Once the court gives an order, it stays until you break it. The creditor can go back and try to have it changed, but if your circumstances havent, then they have very little chance at getting it altered.

 

Regarding your last question, thats why it is important you file a full defence against the claim that was issued. If the amount owed is very high and repayments are next to nothing, a lot of courts will reduce the amount owed, or in extreme cases, can wipe it completely.

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

:D

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" Can they, at the first court hearing just demand a charging order or bankruptcy order rather than payback in installments? "

 

With recent changes of October 2012 a Charging Order can be granted irrespective of an installment Judgment.

 

Regards

 

Andy

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Thats a terrible change in the law :(

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

:D

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hi dan

 

you need tell us the full story of the debt please.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thats a terrible change in the law :(

 

 

 

The Government's response in February 2012 to the consultation on civil justice titled Solving disputes in the county courts: creating a simpler, quicker and proportionate system raises a number of relevant issues for advocates instructed on county courts matters and for those solicitors giving instruction. The most significant aspects of the Government's response relates to Charging Orders with the Government affirming that applications for a Charging Order should be permitted notwithstanding a debtor maintaining an instalment order on a judgment debt. Significant changes to the powers of a Creditor subsequent to a Conditional Charging Order are also approved. The Response further recommends the raising of the value of the small claims track from £5,000 to £10,000.

 

Charging Orders

 

The Government intends to bring into force sections 93 and 94 of the Tribunals, Courts and Enforcement Act (TCEA) 2007. The intention is significant as the current law, governed by s.86 County Courts Act (CCA) 1984 and Mercantile Credit v Huxtable prohibits an application for a Charging Order until terms of payment under an instalment order have been breached. As per s.86:

 

Where the court has made an order for payment of any sum of money by instalments, execution on the order shall not be issued until after default in payment of some instalment according to the order1.

 

S.93(2) TCEA 2007 removes this impediment to those seeking a charging order on a judgment payable by instalments which have been maintained, stating that:

 

The fact that there has been no default in payment of the instalments does not prevent a charging order from being made in respect of that sum. But if there has been no default, the court must take that into account when considering the circumstances of the case.

 

Applications made for a Charging Order following the coming into force of s.93 TCEA 2007 will thus not be fettered by the current restrictions of s.86 CCA 1984. Maintenance of an instalment order will not be an automatic bar to the granting of a Final Charge. The court must still however consider the maintaining of an instalment order as a circumstance of the case when deciding whether to grant the Final Charge. S.93(2) 2007 in this latter respect affirms that, pursuant to s.1(1) Charging Order Act (COA) 1979, the court maintains a discretion in deciding whether to grant a Final Charge and will consider the interests of all parties when applying this discretion.

 

Conditional Charging Orders

 

S.93(4) TCEA 2007 is equally of note as the section places further restrictions on a Creditor's ability to enforce a Charging Order subsequent to a debtor's breach of a Conditional Charging Order. The current position, governed by s.3(1) Charging Order Act 1979, is that a Charging Order may be granted subject to the caveat that that the Charge may not be enforced, namely by way of an order for sale, on condition that ordered instalments to the Judgment debt, attached to the Charging Order, are maintained. Should the Debtor default on the ordered payments, the Creditor is currently at liberty to apply for an order for sale so to enforce the Charge regardless of whether the default is later remedied.

 

S.93(4)(4C) TCEA notes the current position, stating that: The charge may not be enforced unless there has been default in payment of an instalment under the instalment order (ie: the Conditional Charging Order)

 

S. 93(4)(4E) TCEA however, detailed below, takes matters further. The section reads as follows:

 

Except so far as otherwise provided by rules of court under subsection (4D)-

the charge may be enforced, if there has been default in payment of an instalment, for the whole of the sum of money secured by the charge and the costs then remaining unpaid, or for such part as the court may order, but

the charge may not be enforced unless, at the time of enforcement, the whole or part of an instalment which has become due under the instalments order remains unpaid.

 

Subsequent to s.93(4)(4E) TCEA 07 the Charge may therefore not be enforced notwithstanding a Debtor's breach of a Conditional Charging Order should the defaulted payments subsequently be brought up to date. A Judge when considering a Creditor's application for order for sale will therefore be bound to dismiss the order for sale application should the Debtor, at any stage, remedy the defaulted payments up to date.

 

Section 94

 

S.94 TCEA 07 will be brought into force setting a limit of £1,000 under which enforcement of a charging order by sale may not be sought. This limit will apply to Consumer Credit Act debts only. Respondents to the consultation commented that the proposed limit might result in creditors applying for bankruptcy before seeking a charging order. Considering the additional costs involved in bankruptcy proceedings, it is submitted that the difference in the limits is unlikely to have that effect.

 

S.94 TCEA 07 also provides for a limit under which a Charging Order may not be sought, but there is no indication that the Government intends to introduce such a limit2.

 

The Government acknowledges in its Response that obtaining a Charging Order transforms a debt in to an asset for accounting purposes and that creditors therefore have their own balance sheet motivation in obtaining charging orders. The Response states that extending Charging Orders to instalment judgments should reduce the need for creditors to aggressively pursue debts and/or write debts off, and should 'allow creditors to adopt a longer-term approach to debt management'. The counter-argument raised by the Citizen's Advice Bureaux3 , that Charging Orders allow unsecured lenders who have lent at a higher interest rate than that of a secured loan to obtain security and therefore jeopardise the occupation of the debtor's home, has not prevented the Government from announcing that s.93 TCEA 07 will be brought into force.

 

The coming in to force of ss.93 and 94 TCEA 07 will in all likelihood result in an increase in applications for Charging Orders. Certainly where an instalment order will has been breached a Charging Order will be granted, all else being equal. Where an instalment order has not been breached the Court must take that into account when deciding whether to make a Charging Order, so while the success of such an application will be higher than under the current law, the outcome may well depend on the quality of the submissions put to the Judge.

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Thanks for the answers so far, very enlightening.

 

My current situation is that I had a well paid job in a good sector,

 

I had ensured I had Permanent Health Insurance to cover me should anything go wrong.

It went wrong.

 

I was in a car crash and damaged my spine at neck and lower back levels leaving me in pain and with various nerve damage.

 

I then relapsed with ME/CFS.

 

To add insult to injury I developed mental health problems and fibromyalgia.

 

Then the company decided to rationalise on costs and of course the cripple was at the top of the list (despite being the highest qualified and working more hours than anyone else).

 

I am now on ESA (WRAG) with some Support for Mortgage Interest.

 

The insurance refused to pay out as they think I'm making it up, even though my MRI scans show that I now have the neck of a 90 year old et.c.

 

I'm taking this to the FOS.

 

So I tried to pay my contractual payments for over a year until last November when it became impossible and I'd spent all my savings and those of my parents.

 

I now am paying token payments to my creditors of £1 per month even though I can't afford this but it is something I know I can borrow if needed.

 

Barclaycard have passed my £3800 ex-Egg debt onto Mercers (who are part of Barclays)

who are now starting to get tough,

 

Barclaycard themselves were helpful!

 

I also have another Barclaycard from Uni in 1997 (£5680) and an overdraft with Barclays of £3600.

 

I have other unsecured debts that mount to £24,400 with the Barclays/Barclaycard debts included.

 

As I say, this was affordable in my line of work and I had (supposedly) put a safety net in place.

 

The likelihood is that I won't work again so know the time will come when they issue court proceedings and most likely gain a CCJ.

 

I have zero disposable income as at the moment my incomings are not covering my priority debts as I'm appealing being rejected for DLA and ESA (SG).

 

Even if I win both those cases I will still have no extra money.

 

I am scared I will lose my house because of this if they can just walk into court and say "he owes X and the house should be sold to pay for it".

 

I have about £50K equity but I obviously can't remortgage and I'm stuck with NRAM.

 

I would never default on a CCJ if one was issued provided it was reasonable installments, even if I had to sell my body! :lol:

 

I'm starting to get confused where to go to next!

 

Daniel

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I have just checked the back of the Mercer's letter/notice and it states:

 

"If you have difficulty in paying any sum owing under the agreement or thaking any other action required by this notice, you can apply to the court which may make an order allowing you or any surety more time". Now the Notice is asking for £250 to be paid by 2nd March and this is simply impossible. I have a written 'non-formal' agreement with Barclaycard that I only have to pay £1.00 per month on each account which will freeze interest et.c.

 

I don't really have to take Mercers to court to allow me to continue with token payments do I?

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We could do with some help from you.

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Thanks Andy,

 

I've read that and I think I understand.

 

What confuses me though it that I've been paying my token payment as agreed with Barclaycard then suddenly this Mercers letter appears demanding money.

 

My letter from BC told me to ignore statements and continue paying the £1

- it was only sent on 14th January!. It says

 

"A default may be registered against you if payments are not made as agreed." Well, I'm making payments as agreed, I have proof, I have acknowledgement.

 

I have illnesses that deteriorate quickly and severely in times of stress such as this but unfortunately take a long time to recover, if at all. I am already under the local Psychiatric Team and on suicide/self harm watch (I have a history of self harm / suicidal thoughts). BC are aware of this and I thought they were supposed to show compassion in such cases!

 

The link you posted to suggests it's not normal to make a Time Order for an unsecured debt.

It says you can get one after an Arrears Notice - is that the same as a Default Notice?

The interest is frozen and previously they had accepted my £1 payment, I am so confused.

 

I'm going to end up in hospital or the loony bin at this rate.

 

Cheers,

Daniel

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no you are not

 

you need to remember mercers are barclaycard.

 

IMHO i would ignore them and keep paying your £1.

 

how old is this debt?

 

is it on your cra file?

see below

 

have you ever CCa's barclaycard?

lots of these old egg cards have scant paperwork available.

 

same goes for you other debts too.

 

time to gether evidence!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I only stopped normal payments in November 2012 so it's not statute barred.

 

I'm assuming this account is the old Egg account but it could be the ancient Student card I got in 1997

when I was literally asked at the Fresher's Fayre if I had a credit card and if not,

fill in this form and get a free something-or-other.

 

I admit that back then I was so green I barely knew what a credit card was, LOL. I'm expecting a Mercers letter for the bigger other account tomorrow!

 

I've just checked my Equifax report from 18 Dec 2012 and it shows a Barclaycard account for the same amount as up to date

BUT, the account number isn't the one that's on my card. :???:

Mind you, that's the same for the other card so maybe it's 'old' numbers.

 

I've never CCA'd debts for fear of it starting trouble but I might have to now!

 

ed: Definitely for the old Egg account as it was started in 2007.

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ok so is this on your cra file?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

when does it say it was taken out?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

send mercers a CCA request

with a £1BLANK PO

 

use 2nd class postage get proof of postage whilst getting the blank PO

 

i bet they have nowt....bye bye one debt!!

 

dx

 

 

 

The Loan Company

 

Company House,

 

Church Street,

 

Newtown,

 

Kent,

 

R1 7HG

 

 

 

Dear Sir/Madam

 

 

 

Re:- Account/Reference Number 4563210025897412

 

 

 

This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide, including a detailed statement of the account.

 

 

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply.

 

 

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

 

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection From Unfair Trading Regulations 2008 (CPUTR).

 

 

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

 

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

 

 

We look forward to hearing from you.

 

 

 

Yours faithfully

 

Mr A N Other

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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DONT sign the letter either

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

DONT sign the letter either

 

dx

 

I just initialled it in 'plain' handwriting as I do with all letters to creditors. I've had things refused due to lack of signature before so if they query initials I can point to the fact I have medial evidence I can barely hold a pen to make my mark!

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you do not need to sign a CCA request.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Hi GB,

 

Even if there's no properly executed credit agreement available or produced by BC, that does not stop them continuing with collection activities. They can, and often do, reply to a CCA request with T&C's which enables them to continue collection.

 

You should look at The Lending Code which may be of use to you - http://www.lendingstandardsboard.org.uk/docs/lendingcode.pdf

 

Section 9 deals with the banks' obligations when dealing with a customer experiencing Financial Difficulties.

 

The bank should have assisted you as per para's 224 to 227 re reducing or stopping charges and interest.

 

You may also find help in para's 239 to 252 which deals with mental health issues.

 

I assume you incurred penalty charges when you couldn't pay the required monthly amounts. These should be reclaimed in full as they're unlawful penalties.

 

And I think you're already pursuing (through the FOS ?) the issue of why no insurance kicked in to cover payments when you think it should have done. There may also be a mis-sold PPI claim for you to consider, regardless of whether the bank is told that PPI should have paid your monthly pay'ts when you were unable to.

 

:-)

Edited by slick132

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Interesting, the Post Office refused to give me proof of posting on the letter with Postal Order as it was classed as cash! Luckily I posted two other letters at the same time so with PoP for those along with Proof of Purchase I would have reasonable argument if needed.

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Hi GB,

 

Did the PO refuse the FREE Certificate of Posting or RM Special Delivery ?

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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