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    • The postcode is an important point. You cannot be in two postcodes at the same time and the contract only covers the F area and not the E area where Met placed your car. See there is some   advantages in with idiots.🙂 The other fact about the electric spaces is that as you are not allowed to park there, the sign is prohibitory so cannot  offer a contract anyway. and another biggie in your favour is you were not the driver and the PCN does not comply with PoFA. I had another look yesterday at the PCN and there is another error since it does not say that the driver is responsible to pay the charge during the first 28 days. Schedule 4 Section 9 [2][b] (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; so that is another nail in their coffin and it s something I would include in  your WS since that is one that every Judge would accept as a failure to comply. As far as their WS is concerned some of them leave it to the last minute to prevent Defendants being able to counteract their claims. However if they leave it too late [ie after the stipulated time] you can email yours to the Court on the last day and complain at the bottom of your WS that you have not received it and therefore you are asking the Court not to accept their WS. In your case it isn't that important since you have a virtual walkover in Court. I would be surprised if they don't concede beforehand. It is a lost cause for them. Not that I would advocate parking in their electric bay in future with a petrol driven car again.🙂
    • I think the post code 0 v O is nonsense personally and would just annoy the judge.  Cases are decided informally at small claims and judges are not interested in the weakest of trivialities. Understood re FY v EY.  So add to the Unfair PCN section that the PCN includes the wrong post code and places you at a residential area rather than the car park in question. You should wait till 7 June before filing your WS - as a Litigant-in-Person you wont't be penalised for being a day late - to see if MET's WS turns up.  It will also give you a chance to see if they have paid the hearing fee.  If it doesn't turn up you can attack them for defying court directions.  If it does turn up you can ridicule their arguments.  Win win. Also you can see if they have bottled it - which they have done with the last two cases we have here. I think the exact points of your WS have become a tad confusing - and I have heartily contributed to the confusion! - so can you please add the latest version. I think the post code 0 v O is nonsense personally and would just annoy the judge.  Cases are decided informally at small claims and judges are not interested in the weakest of trivialities. Understood re FY v EY.  So add to the Unfair PCN section that the PCN includes the wrong post code and places you at a residential area rather than the car park in question. You should wait till 7 June before filing your WS - as a Litigant-in-Person you wont't be penalised for being a day late - to see if MET's WS turns up.  It will also give you a chance to see if they have paid the hearing fee.  If it doesn't turn up you can attack them for defying court directions.  If it does turn up you can ridicule their arguments.  Win win. Also you can see if they have bottled it - which they have done with the last two cases we have here. I think the exact points of your WS have become a tad confusing - and I have heartily contributed to the confusion! - so can you please add the latest version. I think the post code 0 v O is nonsense personally and would just annoy the judge.  Cases are decided informally at small claims and judges are not interested in the weakest of trivialities. Understood re FY v EY.  So add to the Unfair PCN section that the PCN includes the wrong post code and places you at a residential area rather than the car park in question. You should wait till 7 June before filing your WS - as a Litigant-in-Person you wont't be penalised for being a day late - to see if MET's WS turns up.  It will also give you a chance to see if they have paid the hearing fee.  If it doesn't turn up you can attack them for defying court directions.  If it does turn up you can ridicule their arguments.  Win win. Also you can see if they have bottled it - which they have done with the last two cases we have here. I think the exact points of your WS have become a tad confusing - and I have heartily contributed to the confusion! - so can you please add the latest version.
    • Thank you Dave for jumping in yesterday and advising not to send off the letter I wrote. I am sorry Clou but I thought at the time that both car parks were owned by Alliance. Before doing a snotty letter does anyone in your family able to alos drive your car apart from yourself and are you the keeper?
    • Thanks for this. UPS never said they delivered to the wrong address. Tracking just showed as delivered. EBay couldn’t find it for weeks and then said they found it and it had chocolate in it. Something clearly doesn’t add up here.
    • Try to think things through logically & legally - the two go together as the civil court system in England is pretty decent and easy to get your head round. 1.  Say you & I got into legal dispute.  Who could sue who?  Well I could sue you and you could sue me.  My next-door neighbour couldn't sue you and your best mate couldn't sue me because the case would have nowt to do with them.  The same goes for a DCA.  It's not their debt.  They can do nothing. 2.  Of course a DCA can't affect your credit score.  If they could, then there would be nothing stopping you picking on someone you dislike, saying they owed you a billion pounds, and affecting their credit score.  Logically there must be more to it than some daft allegation.  CCJs are issued and credit scores wrecked after a judge has decided on the matter and the losing party has still refused to pay.  With nine grand in play the matter will not magically go away but you need to gen up and seperate daft threats from paper tigers from concrete threats which could really cause you trouble. The others are right - you need to inform the original creditor of your address in order to avoid a backdoor CCJ. Also, why did you decide not to sue UPS who have admitted to delivering to the wrong address which in turn led to the theft of your goods?
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Caro v Yorkshire Bank for PPI


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unless its all on a wee cd :)

 

I asked about that and was told they don't do that and some people end up with boxes of paper! I wasn't with YB more than 3 or 4 years so hope it won't be too bad.

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I asked about that and was told they don't do that and some people end up with boxes of paper! I wasn't with YB more than 3 or 4 years so hope it won't be too bad.

 

When I got my SAR stuff from HSBC, it came in 3 boxes (the type you get the photocopier paper in) and via courier !

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Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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When I got my SAR stuff from HSBC, it came in 3 boxes (the type you get the photocopier paper in) and via courier !

 

Blimey!

 

Well it came today and a brief look is already interesting. There isn't any info for the loans or ppi, and neither is there anything about my bank charges claim in 2006/7. All the ppi and loan info comes from the current account statement.

 

It clearly shows the loans with my withdrawals of the main loan and a deduction for the full amount of ppi in December 1998.

 

Fast forward 18 months and there's another loan with more ppi. As well as borrowing some extra it pays off the original loan, which of course, includes the original ppi.

 

Now those silly billies at YB say I only paid back £260 in premiums, but it seems the full £608 was repaid using the second loan, and of course there was the loan interest for the part of the loan which paid for the ppi.

 

They say I made payments on the second ppi of £320 yet they charged £1070 and I KNOW I've always paid any loan or cc I've ever had so I've paid the £1070.

 

I haven't sussed the 3rd ppi yet which I don't remember and haven't seen yet.

 

Neither have I sussed the contractual interest rate yet but I have an idea in my head.

 

So £2100 "compensation" going back to 1998. I don't think so!!! :lol:

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Do you think they have provided all the information you requested then Caro ?

 

 

And, when you repay loans early, arent you supposed to receive a rebate ? From what you are saying, there wasnt one when the 2nd loan repaid the first ?

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Do you think they have provided all the information you requested then Caro ?

 

 

And, when you repay loans early, arent you supposed to receive a rebate ? From what you are saying, there wasnt one when the 2nd loan repaid the first ?

 

I'm sure they haven't provided everything. For example they haven't included the correspondence regarding my ppi claim from before my sar was sent. Neither have they demonstrated how they calculated their offer.

 

Without details of the loans, for which they say they have no info, it's hard to say about a rebate. The original loan was to buy a car and that is what was credited to my current account along with the ppi which they took straight out. I am convinced that when I took the second loan they charged me for cancelling the first policy and suspect that too came out of the second loan.

 

What is also unclear is how they have loan account numbers when there doesn't appear to be any reference to them in the historical data.

 

I will write to them with these questions and give them 14 days to respond before taking action.

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I'm sure they haven't provided everything. For example they haven't included the correspondence regarding my ppi claim from before my sar was sent. Neither have they demonstrated how they calculated their offer.

 

Without details of the loans, for which they say they have no info, it's hard to say about a rebate. The original loan was to buy a car and that is what was credited to my current account along with the ppi which they took straight out. I am convinced that when I took the second loan they charged me for cancelling the first policy and suspect that too came out of the second loan.

 

What is also unclear is how they have loan account numbers when there doesn't appear to be any reference to them in the historical data.

 

I will write to them with these questions and give them 14 days to respond before taking action.

 

They will be sorry they started this :lol:

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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They will be sorry they started this :lol:

 

Well as there is also nothing regarding my successful claim for bank charges back in the day it seems they've forgotten what a pain in the derrière I can be. I won't be reminding them about that though. ;)

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Well as there is also nothing regarding my successful claim for bank charges back in the day it seems they've forgotten what a pain in the derrière I can be. I won't be reminding them about that though. ;)

 

:lol:

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 2 weeks later...

Email sent today:-

 

To whom it may concern

 

Further to your letter of 7th March 2016 signed by xxxxx xxxxx and the data provided with it, I have reason to believe that the data is incomplete, and request the following information:-

 

1. You have provided a list of account numbers which have been identified, but for which you have been unable to trace any documentation in connection with them. There is nothing with the documentation that you have sent me which shows how you have identified these numbers. Could you provide this information please in whatever form that may take.

 

2. Do you have the terms and interest rates for the loan accounts? Please advise if further payment is required for credit agreements, if they are available. I understand that the fee would be £1 per Consumer Credit Agreement.

 

3. Prior to sending in my DSAR, I had sent in a claim for PPI. I received an offer which falls short of the amount that I am owed. I asked the PPI claim department to provide a breakdown of their calculations but they were unable to do so and suggested that I send in a DSAR, which, as you know I did. However there is absolutely nothing included relating to my PPI claim. Please provide all the information in relation to my PPI claim and how the offer was calculated.

 

Although I require a response to each of these points, there may be other information missing that I am not aware of, so the above is not an exhaustive list of the additional information that I require.

 

Your prompt response would be appreciated to prevent the need for further action to ensure that I get a complete copy of all information as per my DSAR.

 

Thank you in anticipation.

 

Caro

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Hopefully you will not have to wait long for a reply :)

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Why are you asking for the redress calculations in a DSAR?

 

 

Just quote PS10/12 3.9.4:

 

 

''The firm should make any offer of redress to the complainant in a fair and

balanced way. In particular, the firm should explain clearly to the complainant

the basis for the redress offered including how any compensation is calculated

and, where relevant, the rescheduling of the loan, and the consequences of

accepting the offer of redress.''

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Thanks MD.

 

The reason I'm asking by SAR is that the ppi dept, could/would not explain the full calculation and just showed the amount they claimed I repaid (which was wrong) plus 8% simple interest and said I'd need to sar for more info.

 

You're quite right that I shouldn't have let them off with that, however I did need to sar to prepare my own schedule of what they owe.

 

Thanks for putting me right. I'll think whether to write again before I can do my schedule, which I will need to do to ensure the accuracy of any future redress, or just write now and quote as you suggest.

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Btw, I will be claiming the sar fee back regardless as I shouldn't have needed it had I not had ppi.

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Thanks Ford. I've clearly got some bedtime reading for a while. :)

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Thanks Ford. I've clearly got some bedtime reading for a while. :)

:) its not that bad.

the first link is the one cjc refers to.

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:thumb:
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  • 2 weeks later...

Not having had so much as an automated response to my email, I rang to check it had been received. The person I spoke to offered to talk it through and follow up with a letter which I agreed to.

 

1. They have customer numbers which show all accounts for the customer, even if there are no records, and the list provided showed what was on my customer ID.

 

2. Once accounts are closed the CCA is no longer required or need to be provided under the Consumer Credit Act.

 

3. I just listened to this without comment, but I was told that because my ppi claim is open they don't need to provide any info on my claim in the sar. :lol:

 

I look forward to receiving that in writing!!

 

What was said next did make some sense. They don't have the calculations for ppi refund (I haven't forgotten previous advice on this and it will be actioned) but when I took out the 2nd loan the original ppi was cancelled. As I had to pay a cancellation fee for the first ppi due to YB's loss of interest for the rest of the term of the loan, it seems it wasn't rolled over into the second loan.

 

On the face of it the refund of payments made MAY be accurate, but I have no assurance that their offer puts me back to where I would have been without ppi. The refund on offer would include the interest paid, but there is the issue of overdraft interest, charges etc, which were not entirely due to ppi.

 

Still some work to do. Any thoughts anyone?

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1. They have customer numbers which show all accounts for the customer, even if there are no records, and the list provided showed what was on my customer ID.

 

2. Once accounts are closed the CCA is no longer required or need to be provided under the consumer credit Act.

 

3. I just listened to this without comment, but I was told that because my PPI claim is open they don't need to provide any info on my claim in the SAR

 

 

Point 2: I think this is correct - although if they have it, why are being stubborn about providing it ?

Point 3: Absolute rubbish - They are obliged to provide all information even current actions for as far back as they have it.

 

Have you received a letter from them yet, Caro ? If not, perhaps write to them, referencing the telephone conversation and then listing the points raised and answered as you understand them and challenging those where incorrect information was provided.

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Point 2 would be correct Caro providing there is no balance outstanding on the account (i.e. a closed account)....

 

but only if the creditor has obtained judgment (a CCJ):-)

 

Regards

 

Andy

We could do with some help from you.

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  • 2 weeks later...

Had a reply but still no calcs, although it doesn't say they don't have to include info on current issues. In fact it rather glosses over ppi calcs.

 

Dear Caro

 

Further to our telephone conversation of 1 April 2016 regarding information you have received in response to a request made under the DPA 1998, I have addressed the points you raised.

 

The list of accounts in our response of 7 March 2016 shows the account numbers traced by the bank's internal systems. Although we have been able to trace account numbers, not all documentation is available for all accounts. This may be due to the time elapsed since the accounts were active.

 

T's & C's and interest rates attached are not personal data and therefore not included within a DSAR. The Consumer Credit Act is only applicable to open accounts and as your accounts are no longer open, are not covered under this Act. However had we been able to locate copies of the documentation, it would have been issued with the DSAR response.

 

PPI redress calculations would not be provided as part of the final response letter to a complaint made against the bank.

 

I can confirm that although the full amount of PPI was added to the loan account when the account was open, the monthly repayments included a portion to repay the PPI element of the loan. Therefore if the loan was repaid early, the full amount of the PPI was not paid. Only the amount included in each monthly repayment was actually paid. Early settlement calculations are detailed on the loan feeder account statements. (I need to look for these as I don't recall seeing them in the sar response).

 

I can also confirm that interest was not only applied to amount of the loan, but also the ppi element of your loan.

 

If you have a query about the information you have received or require specific information not provided in this response, please do not hesitate to contact me.

 

Yours etc ........

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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PPI redress calculations would not be provided as part of the final responselink3.gif letter to a complaint made against the bank.

 

what about the handbook re calculations that they shld provide, as has been posted..?

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Other things are taking priority at the moment ford so I've not followed up on this yet ford. I certainly will be though.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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