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    • Can you explain a little bit more about the delivery please. Somebody sent them to you – was it a retailer who sold them to you? If you have to claim against Hermes then if you declared only a £300 value then this is probably what you will have to settle for. You pay £95 shipping costs – that is extraordinarily high for Hermes. Can you explain why it was so expensive.   Have you made a formal claim to Hermes? And have they responded?
    • I'm sorry there are a few typos in my post - a hangover from injuries I had at the time being discussed. I did try to tidy it up straight away but wasn't allowed to repost after editing it.
    • You posted in a solid block of text and it's rather difficult to read. Please will you make sure that your posts future are properly spaced and punctuated and that way people will find it easier to give you the help and support you need.
    • I arranged the delivery of a set of drum kit wood shells with hermes, I booked directly online. They have told me the item is lost 70x50x55 cm box???   They asked me to fill in a claim form which I have done i declared a value of £300 for the parts sent and paid for extra cover. I had recently purchased the whole drum kit for £650 and shipping costs of £95.00 to get them to me.    After investigating the cost of replacing the shells, not a direct equivalent but similar, it will cost around £450.00 with delivery.   I want to get compensation over the £300, is that possible, i have informed them of the total loss with delivery costs, prior to shipping with Hermes as £745.   I am more than happy to go to the small claims court for the difference but would it be dismissed,   Should I go for the full cost of the loss or the cost of replacement shells only I have all the receipts for the drums and shipping costs prior to hermes losing my items.   I still have the remaining parts that a pretty much worthless now, unless i get a new set of drum shells.   Its probably going to to take ages, I've written to CEO of Hermes about my complaint as well just to cover all bases. Next stop will be the small claims court as i read they pull delay tactics and low offers.   They really didnt care and also didn't seem surprised when i spoke to a service agent.
    • Hi all I used to be a member here a few years ago when I went through a bad time - husband and I had bad health, both lost jobs etc, we got the usual helpful and sympathetic response from the bank.   With the help of CAG I did my best to fight back and found that some debts were legally unenforceable as well as the usual defective defaults and everyting else the banks were doing wrong. We're going back to about 2009/10.   With HSBC they refused to provide a SAR/CCA because I wouldn't provide a signature that matched their records. I remember I took the advice from CAG at the time NOT to sign.  in any case, due to my injury I was unable to do anything except scrawl. I told them that I didn't think the SAR required a signature and in abny case I couldn't. In short they refused to cooperate, there as a series of letters but they cited the DPA, at which point I pointed out that they were sending me demands, statements and theatening letters but only now were they saying they had to verify my ID (at that point, the bank said that they wouldn't send any more statements/demands etc until my Id could be confirmed (seriously, you couldn't make it up). I also pointed out that the guidance from the ICO was that if they were responding to the address they has on record and was the usual contact address, they could assume it was their customer writing to them. I even complained to the ICO who, as usual took the bank's side.   Eventually, I said to the bank that if they were unable to give me details of the alledged debt then I was unable to consider their demands and verify the situation and I wouldn't correspond with them any more and they could go to court if they liked. But, if they did lodge court papers, and sent the statements etc I'd immediately complain to the ICO that they hadn't verfied my ID acording to their own procedures (something the ICO had agreed was required), and I'd bring it to teh attention of teh court that they had deliberately not sent me the data to allow it to be resolved one way or teh other. If they didn't send the stuff through discovery, I'd lodge an embarassed defence and ask for it to be struck out as I had been asking for the records for 6 months or more.  I didn't hear any more from them, that was in March 2011.   In Nov 2015 I got a letter from Hoist Portfolio Holdings 2 Ltd that they has been assigned the rights from MKDP LLP and giving bottom Robinson Way's address. I hadn't heard of MKDP before and simply ignored it. I certainly wasn't aware it had be assigned to them in the first place.   A few days ago, I got a letter from Hoist again asking for payment. I intended to ignore it except for a letter I got from the Bank this morning.   The letter is the same one that has been mention on here very recently, a refund from the bank for £25 because they had determined I hadn't recived the correct level of service (no sh*t Sherlock!) The account number is NOT my currect account. It MAY be my credit card, but I seem to remeber they were rolled into one. I don't seem to have any correspondence about the CC, and I destroyed all paper documents a few months ago. All I have is scanned copies of letters (which may not be a complete record, but should be).   I received a letter in Nov 2017 from PRA about another CC saying the debt has been assigned to them (no letter of assignment from the creditor) and in Jan 2018 an 'Annual Statment'. Since then, nothing.   I've made a point of ignoring these kind of letters and demands in the past belieivng they were SB and eventually the data would be destoyed. After a few years of actually being able to relax, I'm now worried that the aggro is all going to start up again with this HSBC and other accounts.   Now, the questions. it is/was my understanding that the debts became Statute Barred a few years ago and they couldn't be enforced. The CC default was issued Feb 2009. A month later a Final Demand was issued for both current AC and CC giving a combined total. (that total is similar to the one sought by Hoist which gives my currect AC number).   So, are these accounts SB? If they are SB and the bank has desposed of them by assignment to someone, why do they still have my name and enough details of my correspondence to determine they didn't behave correctly? Does the DPA not require them to destroy data after 6 years?   On the same DPA note, it seems that this account is simply being passed around from one **** bag bottome feeder to another (maybe teh same one under different names), again, why is data still being processed after 6 years? Am I doomed to be persistely pursued by these scumbags until I die? Or am I worng? Are they able to process data as long as they like, even when there has been no contact for years?              
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Hi caggers t

he wife cut her finger end off which resulted in a visit to a&e where she was asked to take her ring off to have the finger dressed and subsequently lost the ring.

 

 

Been through the insurance and they are happy to replace due to loss.

I won the ring on an auction for considerably less than the ring is actually worth.

They have said they will come up with a figure in relation to what I paid and what the valuation was so a figure can be given so I can go and search for a new ring.

 

 

Should the insurance company not be giving me the valuation figure so I can get the same ring or equivalent or can they change the amount because I won the ring at auction?

 

 

The ring cost 560 but is valued at over 3000.

 

 

Thanks in advance I don't want to be taken for a ride and the wife wants the same ring.

IQOR (the OH) - No CCA, gone away.:madgrin:

Simply Be (the OH) - No valid CCA, gone away.:madgrin:

HSBC Loan - No CCA, not gone away but who cares, they have nothing.:madgrin:

HSBC Overdraft - No CCA, not gone away but who cares, they have nothing.:madgrin:

LTSB Loan and Overdraft (the OH) - AID, awaiting result on PPI and Bank Charges complaint.

Vanquis - No CCA, gone away.:madgrin:

MBNA CC - No CCA, awaiting DSAR outcome.

MBNA Loan - awaiting DSAR outcome.

Capital One (the OH) - No CCA, gone away.:madgrin:

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shouldn't matter a monkey's

 

for all your insurance co know

it could have been a gift from a relative

 

market value me thinks

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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Most likely market value - it's unlikely to be the value given on a valuation as these are always over-inflated.

 

You may find that if you want a cash settlement rather than them to replace then they will deduct a percentage to reflect the discount they get from their supplier (anywhere from 10-40%). This only applies if they can obtain something which is similar.

 

Out of interest, was the valuation from an independent jewellery valuer or was it done by the place you purchased the ring from?

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Most likely market value - it's unlikely to be the value given on a valuation as these are always over-inflated.

 

You may find that if you want a cash settlement rather than them to replace then they will deduct a percentage to reflect the discount they get from their supplier (anywhere from 10-40%). This only applies if they can obtain something which is similar.

 

Out of interest, was the valuation from an independent jewellery valuer or was it done by the place you purchased the ring from?

 

Agree. You will get the current value to replace the ring. Most likely the Insurers will put you in touch with their jewellery specialists who replace items lost. They will look at the description of the ring shown in the valuation and provide details of the rings they can supply which meet the description.

 

If you go for a cash settlement and try to replace at a local jewellers, because of the high mark ups they add, it would be difficult to replace with like for like.

We could do with some help from you.

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all rings etc need a valuation every year or so for Insurance purposed to use if a claim is needed

 

Most Insurers suggest a regular valuation or at least every 3 years. Jewellery can increase by much more than standard inflation.

 

The other thing to point out is that some valuations for Insurance purposes can be at an inflated amount already. Therefore a commonsense approach is advisable as you don't want to spend money when it is not necessary. Most standard items of jewellery can be obtained through Insurers jewellery wholesalers at a much cheaper amount than any high street jeweller. Make sure the valuation contains full information and take pictures.

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

 

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depends on the terms your insuer offered for high value items. Mine has several listed items and any other piece of jewellery has to be worth less than £2k so if I bought a ring for £560 and it was valued at £3k then there is an underinsurance of £1k so they will likely pay you £1-2k If I told then it was a ring that had an emerald of a certain size and surrounded by diamons of a certain size they can then find another on on the catalogue of their preferred chain supplier. The big jewellers only pay 25-50% of the retail price so insurance so doesnt pay out the full amount and you get like for like.

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Hi I'd prefer a replacement ring not bothered about a settlement, something to pass onto the grandchild.

IQOR (the OH) - No CCA, gone away.:madgrin:

Simply Be (the OH) - No valid CCA, gone away.:madgrin:

HSBC Loan - No CCA, not gone away but who cares, they have nothing.:madgrin:

HSBC Overdraft - No CCA, not gone away but who cares, they have nothing.:madgrin:

LTSB Loan and Overdraft (the OH) - AID, awaiting result on PPI and Bank Charges complaint.

Vanquis - No CCA, gone away.:madgrin:

MBNA CC - No CCA, awaiting DSAR outcome.

MBNA Loan - awaiting DSAR outcome.

Capital One (the OH) - No CCA, gone away.:madgrin:

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  • 3 weeks later...

Hi there got an answer back from the insurers supplier saying a settlement figure of 500 quid.

You can imagine my surprise

 

 

I rang the insurer who said the supplier had contradictory notes on my record and that either the valuation was fake or the ring in the picture on the valuation was not the ring on the description.

 

 

This was left as an answerphone message,

the insurer did say he has queried the settlement figure with the investigation team today and that he'd get back to me.

 

 

My question is

are they just trying their luck with a lower settlement figure because they cannot replace the ring and if so is there any action I can take to get the valuation total?

 

 

I can post all the info I have on the claim up here if it helps, they have me raging and I've not dared tell the better half yet.

IQOR (the OH) - No CCA, gone away.:madgrin:

Simply Be (the OH) - No valid CCA, gone away.:madgrin:

HSBC Loan - No CCA, not gone away but who cares, they have nothing.:madgrin:

HSBC Overdraft - No CCA, not gone away but who cares, they have nothing.:madgrin:

LTSB Loan and Overdraft (the OH) - AID, awaiting result on PPI and Bank Charges complaint.

Vanquis - No CCA, gone away.:madgrin:

MBNA CC - No CCA, awaiting DSAR outcome.

MBNA Loan - awaiting DSAR outcome.

Capital One (the OH) - No CCA, gone away.:madgrin:

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What supplier ? The jeweller who sold you the ring originally or who last valued it ?

 

Do you have pictures of the ring being worn ?

 

They have to pay replacement value of the ring that was subject to loss, providing you evidence details of the ring that you owned. Insurers are careful with such claims, as you do get attempted fraudulent claims and a low offer might signal that they are unsure about the claim, possibly due to your suppliers records.

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

 

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Hi uncle Bulgaria

 

 

the supplier in question is the insurance companies not who I bought the ring from originally.

 

 

When we had a house visit from the insurance investigator

we showed pictures of the better half wearing the ring and we've proven purchase etc.

the investigator was more than happy with all the evidence we had supplied.

 

 

I'm at a loss as to what they are playing at,

I even pay extra on my insurance for items valued over 500 quid to which we have a few items.

 

 

I was going to get back on the phone to the insurance to get it sorted rapid before the wife starts asking questions,

I just wanted to know if anyone had went through the same thing with some success.

IQOR (the OH) - No CCA, gone away.:madgrin:

Simply Be (the OH) - No valid CCA, gone away.:madgrin:

HSBC Loan - No CCA, not gone away but who cares, they have nothing.:madgrin:

HSBC Overdraft - No CCA, not gone away but who cares, they have nothing.:madgrin:

LTSB Loan and Overdraft (the OH) - AID, awaiting result on PPI and Bank Charges complaint.

Vanquis - No CCA, gone away.:madgrin:

MBNA CC - No CCA, awaiting DSAR outcome.

MBNA Loan - awaiting DSAR outcome.

Capital One (the OH) - No CCA, gone away.:madgrin:

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I even pay extra on my insurance for items valued over 500 quid to which we have a few items
were you required by yr policy to list/value items over 500.

if so, was it applicable to jewellery and did you do it for the ring?

IMO

:-):rant:

 

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If the ring was not specified, any claim would be subject to single article limit.

 

Previous replies were presuming the ring was a specified item with an Insurance sum capable of covering the value of the ring,

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

 

If you want advice on your thread please PM me a link to your thread

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Hi ford the ring was a specified item along with some diamond earrings rings, this experience has now made me wonder whether it's worth insuring other high value jewelry my better half has, it's just really frustrating when all you want is a replacement but they cannot do it.

IQOR (the OH) - No CCA, gone away.:madgrin:

Simply Be (the OH) - No valid CCA, gone away.:madgrin:

HSBC Loan - No CCA, not gone away but who cares, they have nothing.:madgrin:

HSBC Overdraft - No CCA, not gone away but who cares, they have nothing.:madgrin:

LTSB Loan and Overdraft (the OH) - AID, awaiting result on PPI and Bank Charges complaint.

Vanquis - No CCA, gone away.:madgrin:

MBNA CC - No CCA, awaiting DSAR outcome.

MBNA Loan - awaiting DSAR outcome.

Capital One (the OH) - No CCA, gone away.:madgrin:

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In November 2014 the ring was valued at 3150 by an independent valuation company to who I bought it off, I've looked online at the same size diamond, clarity etc and just for the stone itself you are looking at nearly 4000 pound not including being mounted on a gold band

IQOR (the OH) - No CCA, gone away.:madgrin:

Simply Be (the OH) - No valid CCA, gone away.:madgrin:

HSBC Loan - No CCA, not gone away but who cares, they have nothing.:madgrin:

HSBC Overdraft - No CCA, not gone away but who cares, they have nothing.:madgrin:

LTSB Loan and Overdraft (the OH) - AID, awaiting result on PPI and Bank Charges complaint.

Vanquis - No CCA, gone away.:madgrin:

MBNA CC - No CCA, awaiting DSAR outcome.

MBNA Loan - awaiting DSAR outcome.

Capital One (the OH) - No CCA, gone away.:madgrin:

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This is what is happening here. The Insurers are not happy with the evidence provided for the value of the ring and are restricting the payout to £500, which is presumably the single article limit.

 

As Ford says, if Insurers were sent a valuation at the time the ring was specified and they approved it, then they should be paying out current replacement value up to value specified.

 

All you can do with this claim is persevere and follow the Insurers complaints process. If necessary, you can escalate to the FOS or if your case is strong enough consider court route, but both represent a delay in settlement. If your evidence of value for the ring is clear, then you should be able to get your Insurers to settle the claim properly, wothout any further delay.

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

 

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Hi uncle Bulgaria I'll persevere the valuation company are very well known, I'm in no rush for a settlement it's the principle of the matter now.

IQOR (the OH) - No CCA, gone away.:madgrin:

Simply Be (the OH) - No valid CCA, gone away.:madgrin:

HSBC Loan - No CCA, not gone away but who cares, they have nothing.:madgrin:

HSBC Overdraft - No CCA, not gone away but who cares, they have nothing.:madgrin:

LTSB Loan and Overdraft (the OH) - AID, awaiting result on PPI and Bank Charges complaint.

Vanquis - No CCA, gone away.:madgrin:

MBNA CC - No CCA, awaiting DSAR outcome.

MBNA Loan - awaiting DSAR outcome.

Capital One (the OH) - No CCA, gone away.:madgrin:

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  • 1 month later...

Hi caggers,

I'm still preserving with the Company that is acting on behalf of my insurance company.

 

 

I got the below email reply yesterday which I've read as to be pretty much a final settlement offer.

I have replied to say I would contact the seller again which I have I'm just waiting on a reply from him. I

've removed any identifying names etc from the email chain.

 

 

My questions are should I be contacting the seller when they have all the information I have?

And is this just another stalling tactic?

 

 

On my email reply I did state that I would await a response from the seller before proceeding further and I hinted on contacting the FOS once my complaint raised has ran out of time.

 

 

I would seem that the valuation I supplied originally isn't good enough as they'd asked for a secondary one which I don't have.

Reason being the valuation I was given was authentic and original.

 

 

I've also let the seller know that he is more than welcome to a copy of the insurance email as it reads he is effectively selling dodgy diamonds which I'm sure is slander toward him and the valuation company he uses.

 

 

If you need anything clarifying please ask as I'm just prepping FOS paperwork as the 8 week complaint time is nearly up.

 

 

The company has really got my back in just because I bagged an expensive ring at auction for a lot cheaper than it should have been. Thanks PM

 

START OF EMAIL CHAIN

 

Good Morning Name Removed

Thank you for your email.

Our Investigation team and suppliers were asking for a second valuation different to the one you originally supplied.

 

There are concerns that the valuation you have provided was not for the ring you had as the cost you paid for the ring is far less than that on the valuation document.

 

We believe the person/company you purchased the ring off had provided you with a far less costing ring than the ring specified on the valuation document.

 

Without any other supporting documents we can only offer a settlement for the cost you paid for the ring which would be £460 net of your policy excess.

 

A complaint has been raised and is currently with our Customer Relations Team, if you could provide further documents that shows evidence that the ring purchased was in fact the ring on the valuation please send this through.

 

Would it be possible to maybe contact the original seller who may be able to provide further documentation?

 

We note that the Ebay seller states that they sell treated and enhanced diamonds.

 

Please see below for the definition of Treated and Enhanced diamonds

 

“Advanced technology nowadays has enabled the jewelry industry to improve the visual appearance of lower grade diamonds by the process of laser drilling or fracture filling.

This practice is referred to as "clarity enhanced".

The cost of treated diamonds should be at least 50% less than a natural diamond.”

Kind Regards,

Name Removed

 

 

 

From:

Sent:

To:

Subject: Re:

 

Hi

 

I'm slightly concerned you ask for the valuation paperwork again, this was submitted to Insurance Company when I initially insured the ring.

 

 

Subsequently again as part of the evidence when I put the claimin it was also submitted and also when I had a house visit from one of your colleagues. I attach a photo of the valuation.

 

 

The valuation was completed by GIE Labs who have a website gielab.com, you can also input the reference number into the website to obtain a version.

 

Please let me know if you need anything else that has not already been submitted to Insurance Group Name Removed.

 

An update would be appreciated.

Thanks

Name Removed

Sent from my Samsung device

 

-------- Original message --------

From:

Date:

To:

Subject:

 

Good Afternoon Name Removed,

We are now in receipt of the further advices from our investigation team in relation to the above incident.

 

We understand from previous comments that you have previously had the watch valued, therefore can you please forward to ourselves a copy of the valuation in order that further consideration may be given to thie incident.

We await receipt of the requested documentation in due course.

 

Kind regards

Name Removed

 

Property Claims Technician

IQOR (the OH) - No CCA, gone away.:madgrin:

Simply Be (the OH) - No valid CCA, gone away.:madgrin:

HSBC Loan - No CCA, not gone away but who cares, they have nothing.:madgrin:

HSBC Overdraft - No CCA, not gone away but who cares, they have nothing.:madgrin:

LTSB Loan and Overdraft (the OH) - AID, awaiting result on PPI and Bank Charges complaint.

Vanquis - No CCA, gone away.:madgrin:

MBNA CC - No CCA, awaiting DSAR outcome.

MBNA Loan - awaiting DSAR outcome.

Capital One (the OH) - No CCA, gone away.:madgrin:

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They're just clutching at straws, they don't like it, it doesn't tick the boxes and can't be bothered to use some initiative, plain lazy.

 

I'd get back to them right now just telling them you are pleased they have passed it to their customer relations team, you'll wait for them to review the file and get back to you as the handler is clearly not capable. In the meantime, as requested here's the valuers details, please let me know what the outcome of your enquiries with them.

 

The bottom line is the onus is upon you to prove your claim, however upon proof (which you have supplied), if they have queries, they are the ones to make them not you.

 

Obviously if they come back and have spoken to the valuer and he states it was wrong, then it all changes.

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Is there any culpability on the part of the hospital regarding the loss of the ring?

It may be prudent to start an action against them and tell your insurers that you are doing so if they (hospital) are culpable.

 

In the meanwhile tell the los adjusters to show what evidence they have that the ring was a lesser item than the GIE certified one and in any case you want a like for like replacement rather than cash.

 

 

they are currently accusing you of being untruthful so make them put this down in words where it can be challenged.

the rest of waht they say is just verbal garbage designed to stall things.

 

 

Let them contact the seller if they wish to accuse them of "uttering" (passing off fakes etc) and see how far they get.

 

 

Inshort, give up trying to be nice and force them to reach a decision and then put it to proof of how they arrived at it.

 

 

If you do accept £500 then it will look like you were trying it on all along and that will go down on the insurance database.

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Who got the GIE lab valuation ? You or the Ebay seller ?

 

If it was the Ebay seller Is it possible that they obtained a valuation on one ring which was of good quality, but this is not the ring that was actually sent to you.

 

For some reason the Insurers are concerned that something odd has happened. Generally people would not sell a ring at below the actual cost they could obtain.

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

 

If you want advice on your thread please PM me a link to your thread

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