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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.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • 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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Hi all

 

I'm after some urgent help please.

 

My ex partner and I took out a secured loan with Paragon a few years ago to cover some debts we had.

Then we split up and I took over the loan so that I could keep the house.

 

 

Everything was going fine, even when I lost my job in 2011 as I walked straight into another one so could keep up the monthly repayments.

 

 

Then in Feb 2012 I lost my job and couldn't make the payments, so I was making token payments each month of £10 or £20 depending on savings against the monthly due of £156.

 

I applied for help from DWP with my mortgage and my loan and at first they said no to to the loan

but then agreed to make payments to the loan but only of about £11 a week.

 

I have been suffering from depression for about 2 years and battled alcoholism on and off for nearly 10 years.

I've also been receiving bereavement counselling following the death of my mum in Nov 2011.

 

At first I used to talk to Paragon on the phone and I regularly completed their income/expenditure forms

and they seemed ok but acknowledged that my debt was increasing.

 

Unfortunatley recently I've buried my head in the sand over it and ignored their calls as I got more and more depressed about applying for lots of jobs

and not getting an interview or getting to the interview stage feeling pretty confident but then getting turned down.

 

Last week they sent me a letter saying that they may pass my account to a their field agent to call from Excel Counselling Services..

.I know that this is just a posh word for a bailiff!

 

 

Today he knocked at my door whilst I was out getting electric put on my key card and he put a note through the door.

The letter doesn't mentioned the amount that is outstanding but I think it's around £2k.

His note is all friendly about we need to talk about it or he'll have to tell Paragon he's not talked to me and I could risk losing my home.

 

Can I send him the following letter?

 

Dear Sirs,

Re: Account reference Paragon Personal Finance Ltd................

 

I refer to your visit dated 18th February 2013 informing me that your company has been instructed by Paragon Personal Finance Ltd to visit me,

in respect of arrears on the above mentioned account.

 

The purpose of this letter is to advise your company that I believe that my circumstances

fall within the category as contained within the National Standards for Enforcement Agents of “vulnerable situations”.

 

The reason for this is that not only am I a person who has suffered a bereavementlink3.gif in the family

with the death of my mother in November 2011, for which I am receiving counselling for.

 

I am also currently unemployed having lost my job and am in receipt of benefits.

I am also receiving treatment from my GP for depression and alcohol dependency.

 

Accordingly, I would like to request that you do not visit my property again as this would cause undue stress and anxiety.

 

Instead, I would like to request that you return this case back to Paragon Personal Finance Ltd.

 

I would be grateful if your office could confirm safe receipt of this letter, and confirmation that the case has been returned to Paragon Personal Finance Ltd.

 

I am copying this letter to Paragon Personal Finance Ltd.

 

Yours Faithfully

 

I was also going to send the letter to Paragon, along with another income and expenditure form

and a cheque for about £20 with an offer to keep paying £10 a month by dd.

Is that ok?

Should I be doing something else?

 

He says in his letter he's going to come back so I was hoping to get the letter in the post to him today to stop him calling again

as my Dad is coming to see me tomorrow and I really dont want him to get dragged into this

and I've recently started seeing someone who I really like and I'd be really embarrassed if he turned up whilst he was here.

 

Please help, I'm now sat in tears as I'm scared that I fought my ex really hard to get the house

and stop him taking it over with the woman he left me for, and now i'm scared I'm going to end up homeless.

 

I hope this all makes sense.

 

thanks

Mary

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Firstly there field agent or door stepper is not a bailiff and has no such powers

You do not need to talk to him or her

 

Loosing your home would be a long way off they would have to go to court and is a long drawn out process

All communication with them should be in writing keep off the phone

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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  • 1 month later...

Hi all

 

Hope I've posted this in the right place.

 

My ex and I took out a Paragon secured loan a few years ago (before 2009) and we made the payment each month without fail.

 

 

My ex then left and Paragon happily transferred the loan to just my name as I was earning enough to cover it each month.

I then lost my job in Feb 2012, paid the minimum when I could.

The DWP are paying about £40 a month to them I should be paying £156 so each month is about £116 short.

This has racked up arrears of about £1,7000.

 

I must admit I kind of have ignored their phone calls as I know they want what I dont have.

I received a letter from a solcitor a week ago which I hadn't got around to posting about asking for help.

 

 

Today I get home from my work trail to find paperwork from Cheltenham Court...

.Paragaon have made a repossession order and I have to go to court on 16th May to argue why I should keep my home.

 

Please help me what can I do??

Is there anything I can do??

I can't lose my home as it's my everything.

I am trying to get a new job,

and have applied for a lot of them

but either dont get an interview or I dont get the job after inteview.

 

Is there anything I can do to stop the court action?

Up until recently I was on anti depressants and I really dont want to end up back on them and homeless.

 

Please I'm really panicking now that I'm going to have to tell my Dad that I'm in such a mess and in debt etc, he's going to go mad.

Please tell me what I need to try and do.

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Hi

 

I have sent out an SOS for you to a couple of people who may be able to offer you some help.

 

Please bear with us......you have some time to try and sort this out. :-)

 

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If your dad can help you, then I suggest you suck up your pride and ask for help now.

 

Unfortunately, if affordability is an issue, the courts will have to consider possession. However, let's establish a few facts first as there may be other solutions.

 

How much was the original loan for? If it was under 25k, is it regulated under the Consumer Credit Act 1974? (You'll find that info on the loan document/terms and conditions.)

How much are the exact monthly payments, and how much exactly are the DWP paying?

How much exactly are the arrears? (You have written 17k, but I am presuming you mean 1.7k?)

How many years and months (exactly) are left on the loan?

How much is the property worth?

Are there other loans secured on the property, if yes, how much for and are you in arrears?

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  • 1 year later...

Hi all

 

Wondering if you can help me.

 

I have a house with a mortgage (Birmingham Midshires) and a secured loan (Paragon).

 

Last year Paragon took me to court to try and repossess my house as I fell into arrears.

 

I managed to get that deferred/suspended for about 6 mths as I’d found a job,

 

but then I lost the job when the company folded.

 

I then temped on and off and got benefits when I wasn’t.

 

The job centre people paid about £44 a month towards my loan (is £158 normally).

 

Then I was stupid enough to be put in prison on 24th Feb

…my dad rang them to inform them that I was in prison so couldn’t contact them.

 

I’ve now been released

 

to find a letter from a solicitors acting on their behalf saying that Paragon had instructed them to repossess my house

and that the bailiffs would tell me when to leave.

 

Does this mean they are actually coming to repossess or do I need to try and apply for a time order to allow me time to pay it off.

 

Typically right now I can’t find the letter I received and I’m panicking too much right now I think to find it.

 

What do I do?

 

I’m going to try and call CAB tomorrow to get an appointment but it’s making me ill right now thinking about it all!

 

Help me please, I really can’t lose my house,

 

I know I was stupid and ended up in prison but I’ve paid my time,

 

I’ve applied for jobs,

 

I had an interview on Friday which I am hopeful about and have one next week as well so I’m getting interviews etc.

 

Thanks in advance

Mary

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Hi. Ive flagged your post for admin attention. DOnt worry about repo just yet. Theres a procedure they must follow.

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 and sorry your post has been missed.

 

Have you had anything else from the court?

 

Is your mortgage in arrears too or just the loan with paragon?

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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and what PENATLY and Arrears or debt management or letters or phone call fees

have they levied on you

 

all can be reclaimed + the interest they have gathered.

 

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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  • 8 months later...

Hi all

 

Am seeking some urgent help.

 

 

I have a secured loan with Paragon Finance.

 

 

I fell into arrears in late 2012 and

 

 

in May 2013 they gained a suspended possession order.

 

 

Things were ok until last year when I lost my job.

 

 

They went to court in December (I didn’t know about this bit) and they gained an eviction order, which was dated Friday 13th February 2015.

 

 

I sought help from CAB who passed me to Gloucester Law Centre,

who said I needed to call this number as they couldn’t help but would be in court on the day for advice.

 

A solicitor on the phone advice line advised me to put in an appeal (N244) which I did stating wanted to apply for time for

DWP to make payments towards this loan and for me to find a job.

 

 

I have written a letter for the judge tomorrow but I don’t know if this is enough or if I can/should any more information to it.

I’ve tried to explain everything in this.

 

 

Can anyone please check it and see if they can think of anything I can add to help my case?

 

 

I have applied for over 80 roles since the New Year have had a couple of interviews every week

and have one for this Friday and one for next Tuesday.

 

Any help is going to be very gratefully received.

 

 

I do though have a deadline of 8pm to enable me to print the letter before I go as I have no printer at home.

 

 

Please help me save my home of 12 years!

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How much are the arrears

 

How much have you been charged in penaty fees and interest on those penalty fees?

 

Will send an SOS for you

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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hi

 

The arrears are £3.9k they've charged me for late payments, a failed home visit and interest but not sure how much in total as not at home right now. They charged me £65 for a home visit I know that.

 

I've now secured another interview for tomorrow afternoon so it's not like i'm not trying to get work. it's been hard because of my problems last year as you can see in the letter. so that's one tomorrow, one friday and one on Tuesday all with practically immediate starts.

 

thank you x

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Have sent S.O.S for you.. someone will be with you soon as they can.

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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You say they charged you for a home visit. Did they actually make the visit ?

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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five threads merged for history

 

 

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 there, I think your letter is too long - you will only have around 10 minutes in the hearing to get your point across to the judge. Have you any indication as to when the DWP will make payment? do you have any documentation relating to the DPW claim ?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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you need to stay with us this time

not make various threads throughout +2yrs and then never answer our questions or action the advise already given.

 

 

did you get the reclaiming of all the penalty/arrears/letters/home debt visits off the ground ?

 

 

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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The DWP have said they'll do the backpayment this week and start with payments going forward and were going to write to me but as they send it all second class there was no guarantee i'd get it by tomorrow morning.

 

I'm trying to get across to the judge the past/history with this and that I am trying to gain employment. So not 100% sure how to shorten it or improve it. tbh I'm just panicking and learning a lesson now!

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you need to stay with us this time

not make various threads throughout +2yrs and then never answer our questions or action the advise already given.

 

 

did you get the reclaiming of all the penalty/arrears/letters/home debt visits off the ground ?

 

 

dx

 

Yeah the DWP finally agreed with me about restarting as a rapid reclaim and are backdating it to April 2014 and sending me a letter in confirmation of this and are sending one to Paragon too, but no guarantee it'll be here by tomorrow. I'm not at home right now to check but heading home in about an hour. They're going to make a lump sum backpayment this week but I think it takes 3 days for their payments to appear and then are going to make payments going foward. i've now got another job interview tomorrow. All 3 interviews are for immediate starts as in the one tomorrow want someone to start on Monday.,

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Are you saying that the arrears that they are claiming include charges?

 

How much was the loan and how long is left on it?

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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Can you ask the DWP to email confirmation of this so you can show it to the court ? If you tell them you are about to be evicted they should do it.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Are you saying that the arrears that they are claiming include charges?

 

How much was the loan and how long is left on it?

 

the loan was for £16 and over 15 years and they have added interest, late payment charges and home visits to my total in the last year

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Can you ask the DWP to email confirmation of this so you can show it to the court ? If you tell them you are about to be evicted they should do it.

 

I asked and she said no as it's not a 'secure email' despite me saying on Monday I was in court on Thursday. I could try them again in the morning as i'm sat waiting and ask again

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Have a look at my guide here: http://www.consumeractiongroup.co.uk/forum/showthread.php?325527-CAG-guide-Are-you-facing-eviction-or-repossession it shows you how to set out a statement for court.

 

Do you know if the court has any duty legal advisors you can ask for help for the hearing ?

Help us to keep on helping

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