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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        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.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, 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.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the 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 “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 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.   4.4        I also do not believe the claimant possesses these documents.   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 parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    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.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  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.  7.5 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 practice 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.”  7.6 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 recoverabl15e 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...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        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.   7.9        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.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • 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).
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lowell/overdale claimform - old Shop Direct CAT debt - Now Wiped out by my Court Charges Reclaim **WON**


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Thanks Andy

 

I've been reading other people's claims and a lot seem to get dropped because of Lowell not having the right documents. I don't think I should bother with a CCA because I've already sent one to Lowell and got one back a few months ago.

 

I've not found any claims yet that was a counterclaim. Is the plan to get Lowell to discontinue, then take Littlewoods to court over the fees?

 

Andrew

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Just do the CPR 31.14 then...that was what I was referring to.You wont see many counter claims because the bulk of claims are by assignee (DCA).....so yes you deal with Littlewoods separately

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Ok thanks Andy for clearing that up.

 

In my request should I only ask for the assignment and the default notice? Because they are the only documents the POC says.

 

Thanks

Andrew

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Ok thanks Andy for clearing that up.

 

In my request should I only ask for the assignment and the default notice? Because they are the only documents the POC says.

 

Thanks

Andrew

 

Correct.

We could do with some help from you.

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Thanks again Andy

 

Should I also delete the following paragraph?

 

"Prior to the issue of proceedings I had delivered a request for the production of the agreement mentioned in the Claim Form and on which you rely. That request was ignored]"

 

Because even though I did send Lowell a CCA it was a few months before they issued a claim. Also BW Legal rang my mobile today wanting to speak to me. I said "I'm not up for talking bye" do I have to speak to them on the phone or can it all be done in writing?

 

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

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No I would retain it...unless they did comply ?

 

With regards to phone calls its entirely your choice and what you feel comfortable with....as the matter is now litigated there is very little they can say or ask to alter things...they may welll want to offer a deal or meditate,the key is should anything be decided by telephone that affects the claim directly then always ask for it to be put in writing afterwards.

 

Courts encourage any attempts to mediate during proceedings....by whatever methods.

 

Regards

 

Andy

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Thank you for your quick reply Andy.

 

I did received a credit agreement that I don't remember seeing when signing up to Littlewoods. But I did sign up in 2010 so I guess it doesn't really matter when they can just reinstruct the agreement.

 

I've had a look back through the posts to see how I got the CCA and it looks like Littlewoods sent it because of my LBA. I can't find anything in my records or in the posts to suggest that I sent a CCA to Lowell.

 

So should I sent a CCA and if I do should I leave the paragraph about the CCA out of the CPR request? Because I'll be sending the CCA and CPR requests at the same time.

 

And I don't want to speak on the phone, I want time to digests there questions so I can come up with a proper response. Should I sent a second letter to BW Legal to tell them I want everything in writing?

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

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Yes if you are sending a separate section 78 request ...delete that from the CPR 31.14

We could do with some help from you.

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Ok thanks Andy, do I need to pay a £1 or something with the CPR request or is that just for CCA? And also I am right in sending the CPR to BW Legal not Lowell?

 

Thanks

Andrew

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Ok thanks Andy, do I need to pay a £1 or something with the CPR request or is that just for CCA? And also I am right in sending the CPR to BW Legal not Lowell?

 

Thanks

Andrew

 

£1 for the CCA ...CPR is free.....CCA to Lowell CPR to BW

We could do with some help from you.

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Thanks again Andy, I know I've been asking a lot of questions and I do appreciate your answers.

 

I'll get them both printed and hopefully sent off today, should be able to get to the post office in time. I guess after there sent its just read, read and read some more until they reply. Any chance you could suggest some claims that I should read from the site to help me further understand my case.

 

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

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Your very welcome.....

 

You will find a plethora of threads that finished successfully in the follow forum:-

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?190-Legal-Successes

We could do with some help from you.

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  • 2 weeks later...

Hi everyone,

 

Just an update, I've not been on here in awhile due to family issues with my granddad. He recently needed to go into hospital and has been in over the last 9 days.

 

Seeing as the clock is ticking and the cancer scary is over, I can now focus on my defence and will be posting it for approval hopefully in the next few days. I just want to first look over the successful claims so I have an understanding of how my defence should read.

 

Updating on recent events with BW Legal.

 

They have send me two letters since I sent out my CCA and CPR requests. The first one dated the 16/09/2015 is just telling me again that they have issued legal proceedings against me and if I don't reply by the 30/09/2015 they will enter a CCJ against me.

 

There second letter dated the 17/09/2015 is in reply to my CPR request I assume as it reads as follows.

 

(Dear Sir

 

We write with reference to the above matter and in response to your letter dated 16/09/2015.

 

We confirm we have received your request for the documentation and we have referred your request to our client. Our client may have to refer your request to your Original Creditor. Accordingly, the documentation will be forwarded to you upon receipt.

 

We will seek to ensure that the information you have requested is provided as soon as possible, however this is contingent on receiving the documentation from your Original Creditor.

 

Should you have any queries please contact our offices on ...........)

 

As of today I have still not received any documentation from BW Legal or Lowell, BW Legal signed for my request on the 17/09/2015 and Lowell signed on the 19/09/2015. Am I right in thinking that BW Legal have failed the CPR request and I'm to put that in my defence?

 

Many Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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2 std letters no need to ack them at all

 

 

you defence will be the std holding/no paperwork one

available in many threads that andy posted the link for above

 

 

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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Hi all again

 

Think I've finally got my defence sorted. I will post it below, please let me know if I need to change anything.

 

Thanks

Andrew

 

 

POC.

1.The Claimant's Claim is for the sum of £292.95 being monies due from the Defendant to the Claimant under a Home Shopping agreement regulated by the Consumer Credit Act 1974 between the Defendant and Shop Direct Finance Company Limited under account reference 00000000 and assigned to the Claimant on 04/02/2015 notice of which has been given to the Defendant.

 

2.The Defendant failed to maintain the contractual payment under the terms of the agreement and a default notice has been served and not complied with.

 

3.The claim also includes statutory interest pursuant to section 69 of the County Courts Act 1984 at the rate of 8.00% per annum (a daily rate of £0.06 from the date of assignment of the agreement to 06/09/2015 being an amount of £12.90.

 

DEFENCE.

1. The Defendant contends that the particulars of claim are vague and 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 neither admitted or denied with regards to the defendant entering into an agreement referred to in the Particulars of Claim (‘the Agreement’) the Claimant has yet to disclose any such agreement.

 

3. The Claimant has failed to provide any evidence of assignment/balance/breach as requested by CPR 31.14 by first class post on September 16th 2015. The defendant has received no reply to the request. Furthermore, a request was made pursuant to the CCA 1974 section 78 on September 17th 2015 by first class post and as at this date the claimant has failed to comply and is therefore in default of the said request:

 

Therefore with the court's permission the Claimant is put to strict proof to:

 

(a) show and disclose how the Defendant has entered into an agreement; and

 

(b) show and disclose how the Claimant has reached the amount claimed for;

 

© show how the agreement was legally terminated to allow the claimant relief.

 

4. As per Civil Procedure Rule 16.5, it is expected that the Claimant prove the allegation that the money is owed.

 

5. On the alternative, if 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.

 

5. 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.

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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Your no 2 ...one or the other not both.

 

I'd use the I have held accounts with the OC XXX but do not recognise this account

 

Rest is OK.

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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Hi dx

 

Sorry wasn't sure if you use both or not. So am I right in saying I need to start with number 2 and delete 1? And where would I put that I've held accounts with OC but don't recognise this account?

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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Here is a recent Cat defence that Andyorch drafted for another poster

which was successful in the claim remaining stayed.

You will have to edit slightly to suit and add your requests for CCA /CPR ect.....

^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^

 

Defence

The Defendant contends that the particulars of claim are vague and 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.

1 .Paragraph 1 is noted. I have had an agreement in the past with Shop Direct but do not recognise the account number referred to by the claimant.

2 .Paragraph 2 is denied I am unaware of any legal assignment or Notice of Assignment allegedly served over 3 years ago.

On the 1st April 2015 ( sent by recorded delivery) I requested information pertaining to this claim by way of a CPR 31.14 request and a Section 78 request. The claimant has failed to date to respond to the CPR and remains in default of the section 78 request.

3.It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of assignment/balance/breach requested by CPR 31. 14, therefore the Claimant is put to strict proof to:

(a) show how the Defendant has entered into an agreement with the Claimant; and

(b) show how the Defendant has reached the amount claimed for; and

© show how the Claimant has the legal right, either under statute or equity to issue a claim;

4.As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.

5.On the alternative, if 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 crediticon Act 1974.

6.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.

Regards

Andy

***************

 

 

nicked from andy

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

Thanks dx

 

I've updated my defence below, do I need to leave in the POC when submitting the defence?

 

Andrew

POC.

1.The Claimant's Claim is for the sum of £292.95 being monies due from the Defendant to the Claimant under a Home Shopping agreement regulated by the Consumer Credit Act 1974 between the Defendant and Shop Direct Finance Company Limited under account reference 00000000 and assigned to the Claimant on 04/02/2015 notice of which has been given to the Defendant.

 

2.The Defendant failed to maintain the contractual payment under the terms of the agreement and a default notice has been served and not complied with.

 

3.The claim also includes statutory interest pursuant to section 69 of the County Courts Act 1984 at the rate of 8.00% per annum (a daily rate of £0.06 from the date of assignment of the agreement to 06/09/2015 being an amount of £12.90.

Defence

The Defendant contends that the particulars of claim are vague and 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.

 

1. Paragraph 1 is noted. I have had an agreement in the past with Shop Direct but do not recognise the account number referred to by the claimant.

 

2. Paragraph 2 is denied I am unaware of any legal assignment or Notice of Assignment allegedly served over 7 months ago. On the 16th and 17th September 2015 ( sent by recorded delivery) I requested information pertaining to this claim by way of a CPR 31.14 request and a Section 78 request. The claimant has failed to date to respond to the CPR and remains in default of the section 78 request.

 

3. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of assignment/balance/breach requested by CPR 31. 14, therefore the Claimant is put to strict proof to:

 

(a) show how the Defendant has entered into an agreement with the Claimant; and

 

(b) show how the Defendant has reached the amount claimed for; and

 

© show how the Claimant has the legal right, either under statute or equity to issue a claim;

 

4.As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.

 

5.On the alternative, if 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 crediticon Act 1974.

 

6.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.

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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no bit in red is for your ref only^^^^

 

 

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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  • 5 weeks later...

Hi everyone I've had some letters recently from the court and BW Legal.

 

The first letter was from the court dated the 5th October acknowledging my defence and informing me that they will tell me if BW Legal wishes to proceed with the case.

 

I then got the second letter dated 26 October from BW Legal telling me they wish to proceed with attached correspondence that they sent to court.

 

The final letter from the court dated the 28 October was a Notice of Proposed Allocation to the Small Claims Track. I would like to know what to do next, I don't want to talk to them on the phone like the Notice of Proposed Allocation to the Small Claims Track suggest. I would prefer to do mediation in writing.

 

I've attached the letters below.

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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