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    • Hi all, Love this site and it's no nonsense advice, have dipped in and out of the consumer forums over the years, mostly to assure myself that what I was doing was the right thing when dealing with various businesses (almost 100% success rate, thanks in part to reading and more reading here.). Anyway, the time is almost approaching where I might need to ask for some specific help and I have a couple of queries that I can't see definitively answered. Due to financial mismanagement and severe anxiety issues I stopped paying all unsecured debt in December 2018 (one slipped to the first week in Jan 2019 when the last payment was made having rechecked my bank statement from that period - all my unsecured debt direct debits were cancelled in early Jan 2019). This has left half a dozen debts;  a couple of credit cards, a bank loan, Shop Direct and some Hitachi Finance stuff having been sold on and passing the rounds through the usual suspects, Lowells, Link, PRA Group, others related to them, and then back to them again. I have somehow successfully managed to maintain radio silence and avoided anything more worrying than their begging letters.  I have blocked their phone calls and texts, bumped all emails to the spambox and had a chuckle at their desperate letters.  I've never had anybody at the door.  I have been at the same address since before I defaulted and all correspondence comes to my current home address.  I have NEVER contacted them or admitted any debt. In anticipation of them perhaps ramping up action at the last minute I've had a look at my credit report on Credit Karma (rec'd from this very place) and I see that the default dates on these range from May 2019 to November 2019. Also in preperation I've been reading, reading and reading lots here as advised. Obviously being in Scotland there are a lot fewer posts relating to these matters and it's always quite annoying when OP's do not follow up with any outcome on their cases - how rude! This has also left me a bit confused of when I am able to finally breathe easy (although cancelling all the direct debits in Jan 2019 was the biggest sigh of relief as I knew it was all going to be unmanageable and, well, default one, default all.). I've been reading that defaults should be filed 3-6 months after the missed payment but one of my larger debts was defaulted on 27th August 2019 when the last payment I made was 10th December 2018, meaning the first missed payment was 10th Jan 2019.   My query for now is - when should I infer that these debts are prescribed?  From when the payment was missed, or taking the default date plus 5 years from the credit report?   The three I have with the May date are moot anyway as either way they are gone - some letters from Lowell offering me 90% off to settle is what got me thinking these must have been near SB status, however I have one big 10k+ with a July date and another 10k+ at the end of August so I am feeling a bit anxious again, even though I know there is nothing to worry about with the begging letters.  Reading the various forums I am not sure why the OC's didn't take action against me when I read time and again the surprise that other posters haven't already been taken to court for lesser amounts - I'm also surprised I've avoided any action this long as there are plenty in this forum and sub forum who are whisked off to the court by the beggers minions after only a year or so after defaulting.  There are no CCJ/decrees listed on my credit report and I have not received any such judgements against me.  I still just regularly receive the begging emails to the spambox, the blocked phone calls and the letters from the they.   I'm also reading that there is no need in Scotland to send an LBC so what should I be looking out for to know that the time has come to engage with CCA requests etc?   I'm afraid in a fit I threw a lot of the paperwork out but I have a box of stuff I'm going to go through which may have the original letters from the OC's.   Thanks in advance for any advice.  
    • I'm at work now but promise to look in later. Can you confirm how you paid the first invoice?  It wasn't your fault if the signal was so poor and there was no alternative way to pay.  There must be a chance of reversing the charge with your bank.  There are no guarantees but Kev  https://find-and-update.company-information.service.gov.uk/company/09766749/officers  has never had the backbone to do court so far.  Not even in one case,  
    • OK  so you may not have outed yourself if you said "we". No matter either way you paid. Snotty letter I am surprised that they were so quick off the mark threatening Court. They usually take months to go that far. No doubt that as you paid the first one they decided to strike quickly and scare you into paying. Dear Chuckleheads  aka Alliance,  I am replying to your LOCs You may have caught me the first time but that is  the end. What a nasty organisation you are. You do realise that you now have now no reason to continue to pursue me after reading my appeal since you know that my car was not cloned. Any further pursuit will end up with a complaint to the ICO that you are breaching my GDPR.  Please confirm that you have removed my details from your records. ------------------------------------------------------------------------------------------------------------------------------------------------------------ I haven't gone for a snotty letter this time as they know that you paid for your car in another car park. So using a shot across their bows .  If it doesn't deter them and they send in the debt collectors or the Court you will then be able to get more money back from them for  breachi.ng your data protection than they will get should they win in Court-and they have no chance of that as you have paid. So go in with guns blazing and they might see sense.  Although never underestimate how stupid they are. Or greedy.
    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.    Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
    • They are absolute chuckleheads. You paid but because you entered a different car park site also belonging to them they are pursuing you despite them knowing what you had done. It would be very obvious to everyone, including Alliance that your car could not have been in two places at the same time. Thank you for posting the PCN so quickly making it a pity that you appealed since there are so many things wrong with it that you as keeper are not liable to pay the charge. They rarely accept appeals since that would mean they lose money but they have virtually no chance of beating you in Court. Very unlikely that they will take you to Court given the circumstances. Just in case you didn't out yourself as the driver could you please post up your appeal.
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Coles Sewing Centre - excellent customer engagement


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I recently bought (January 18th 2018) an ex display sewing machine for £1499.00 (advertised on their website that ALL of their ex display machines are serviced before going out to customers) first off the lady on the phone told me that they do not post out on Saturdays and it would cost £20 for delivery, as this was on a Thursday I failed to see the relevance.

 

The machine was posted out via courier (Parcel Force) and arrived on January 20th.

I set the machine up (Husqvarna Topaz 50) downloaded the complementary software from the Husqvarna site and prepared to sew by connecting the machine to my laptop, there was NO response from the machine, the USB port on the machine was not lightning up. All I could do was sew designs that came pre-programmed with the machine (which defeats the object and pleasure of being able to transfer bought designs)

 

I contacted the shop and the person who answered the phone immediately tried to blame the courier for 'throwing' the machine around, however, she did say that sometimes during transportation that the USB cable can become dislodged from the Motherboard, she made arrangements to have the machine collected, it duly was (January 25th)

 

While I was on the phone with the assistant I asked her for the invoice and serial number of the machine so that I could register it (safeguarding my warranty) she told me I needen't worry as they would be registering the machine on my behalf. It did cause some concern to me (which I tried to get across) but was spoken 'down to and over' All my partner (whose credit card was used to make the payment) had was a till receipt and a Barclaycard statement indicating that a payment had been taken out by the establishment.

 

On January 27th the machine was returned to me, I once again set it up only to discover that the machine would not stay threaded, the top thread kept 'leaping' pout of the take-up lever/rocker arm, sending messages on the screen to clear threads from the embroidery area when there were NO threads present.

 

I phoned the shop (AGAIN)

They told me it was 'user-error' from my end and that I MUST have been using 'cheap' threads, the wrong stabilizer, did I 'floss' the machine (flossing: hold the SILK threads in BOTH hands and do a sawing motion through the tension disks)..... As anyone who sews knows that silk is NOT the strongest medium for sewing, it is a soft material only used for decorative sewing.

 

The lady on the phone 'walked me through' a few steps (don't know how she could tell what I was or wasn't doing on the phone.... Immediately after threading and placing my foot on the pedal the thread broke, her remark was....'Hmm, never had one that went THAT quickly) I know, should have recorded phone call. I again phoned on the 29th, they insisted I 'pop' along to the shop and use the machine in front of them to see if I was doing something 'wrong'

 

Now, I told them that it wasn't THAT easy for me to get to them (they are nearly 70 miles away from me)

Sn February 2nd I phoned them and told them in no uncertain terms that I DO NOT want the machine and could I have the money credited to my partners credit card, at this time I was speaking to the wife of the owner who told me I was NOT entitled to any sort of refund!!

 

I told my partner who rang them (Feb 2nd) somehow they managed to persuade him to allow them to a SECOND repair.......I categorically told them I did NOT want the machine!!

 

I sent a recorded letter informing them that I am NOT willing to accept something that does not fit the bill of 'in perfect working order' When my partner spoke to them they had agreed to send a courier to collect the machine. I also sent them a video of the machine acting up. I followed up with ANOTHER recorded letter (after taking advice from Which Magazine) legal team, sent a short term right to reject (?) letter..................

 

The shop owner still ISN'T playing ball, he's still insisting that I 'pop' over and take advantage (only offered after the first letter to him) of their two day 'getting-to-know-your-machine' course. In a letter he sent to me (dated Feb 13th) he said he would be more than happy to prove to me that there was NOTHING wrong with the machine and that I had accepted the machine with a fault (he's admitted that the machine came to me with this fault) he also states that if I no longer want the machine that I should say so in writing and he could sell it on my behalf, but for him doing so it would cost me £100.

 

I have since had another letter from him ( an after thought, I think) letting me know that the machine stitches beautifully and not to forget that I have a five year warranty. He's also sent me an email (dated Feb 28th) in which he's attached 2 PDF documents letting me all about the modifications of the Husqvarna take up lever (2009 and 2011) a link to the 'Buy with confidence website, to which he is a member he states and I quote from his email "They can assist you with any consumer/retailer issues, and we have to abide by their findings, they can also put you in touch with a Trading Standards Officer if needed all at no cost to you". no mention of giving me my refund.

 

in my last recorded letter to him (22nd Feb) I gave him 14 days to refund my money or I will take it to the next level.......

. Asking for advice from those in the know on this forum, what is the next step please.

Edited by dx100uk
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simply do a section 75 refund from his credit card

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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Make sure you reject the machine in writing first. Cover your own back. From what youve said it sounds like youve only communicated via telephone and nothing was recorded. Get that rejection to them in writing, then do a s75

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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says recorded letter several times...

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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Then time for that chargeback

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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I think that you can say that you have asserted your short-term right to reject under the Consumer Rights Act. Tell them that it is on that basis that you will be seeing them for all of your refund plus any other losses you have suffered as a result of the defective machine.

 

Don't get into any further discussion about it. Make sure the machine is returned to them and make sure that they have it in writing that you are now relying on the Consumer Rights Act. If you are going to make phone calls then record them. You have already said you should be recording them and yet I don't believe that you have started. Read our customer services guide.

 

Be prepared to issue a claim in the Small Claims Court. If you're not prepared to take this step then don't make the threat.

 

Have you bought machine as a business? If you have bought the machine is a private individual then you start a court action, if there is a hearing then it will be in your local court. If they are 70 miles away then they will be obliged to travel to you for hearings. This will add an extra level of inconvenience for them and help to encourage them to start respecting your consumer rights.

 

We will help you draft any documents that you need – meaning the claim form.

 

Which companies is that you are dealing with? You haven't told us their name? Why not? Are you trying to protect them?

 

If you use the section 75 Consumer Credit Act route to getting a refund – then make sure that the credit card company know that you are relying on your rights under the Consumer Rights Act.

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Hello BankFodder, thank you for your input/reply. The machine was sent back to the trader: Coles Sewing Centre Ltd, Nottingham, this was accompanied by a (recorded) short term right to reject letter (Dated 11/02/2018) as well as an email containing a video of the machine's error. Another recorded was sent on February 18th reinforcing my request for a refund and clearly stating my rejection of the machine. The last phone contact I had with them was Feb 7th, I have no intention of speaking to them via phone because of their high-handed manner.

 

Should I try to go down the Section 75 route or Small Claims court? Your help in this matter would be much appreciated.

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Good. You've done all the right things and now you are all set to go.

 

Section 75 should be cleaner and less hassle and less expense for you as there will be no initial claim fee. On the other hand, although we have often suggested a section 75 procedure on this forum, I'm not aware that anybody has ever come back and told us how it went, how easy or difficult it was, whether the trader eventually put up their hands – or any other information. For this reason I'm really not in a position to give you any advice. Hopefully somebody else will do so.

 

What I can say is that if the credit card issuer was eventually forced to give you a refund, I can imagine that this would produce a bit of bad blood between them and the trader – which is no bad thing and it might also make the trader think twice about causing any problems for you.

 

I have lots of experience of issuing small claims and I can tell you that for the most part, especially for smallish sums and issued against a trader, receipt of the court papers is remarkably effective. Especially when the trader is faced with a long journey to get to the court for a hearing. On the other hand, you might end up with the delay of anything from a couple of weeks to several months before you get your money back – and the court fee.

 

I can imagine that the credit card issuer will tend not to be helpful about handing the money back and they may also be a certain amount of correspondence between them and the trader before they finally agree to honour their obligations under the Consumer Credit Act.

 

For the moment, I would suggest that you give it a day or two and see what other advice you get on this thread from other people who have better experience of the section 75 procedure. At the same time you might usefully search the Internet to see if you can find anyone else who has had an experience under section 75 and maybe you can tell us about it here. This is how we build up our useful database of information and experience for everyone to use.

 

I've just tweeted them @Husqvarnastudio about this thread so that they will know what is going on and maybe they would like to come along and exercise a right of reply.

 

@Husqvarnastudio Shop owner refusing to give a refund http://cag.tw/26h5
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Online dispute resolution platform. If you have a problem with goods or services you have had from us, and cannot get satisfactory resolution by talking with us you can use the European Online Dispute Resolution Platform to assist in resolving it . Please click here for more details .

Please note, it is a legal requirement for us to have this on our site, but we would always hope to resolve any issues for you, so please contact us first if you have an issue.

 

 

 

Our Terms and Conditions

 

Your legal rights: When you buy goods from a business, in law you have a number of rights as a consumer. These include the right to claim a refund, replacement, repair and/or compensation where the goods are faulty or misdescribed. Please see our guidelines below, which is our interpretation of the current law, but certainly does not replace it. We will always do or best to give you a good customer experience, so if you have a problem please do not hesitate to contact us by phone, email or letter. Details are on our contact page

 

Price

The price for any product shown on the site is an invitation to treat, until you place an order, and the order is accepted by us.

 

Contract

Making a contract with us

 

When you place an order with us, you are making an offer to buy goods. We will send you an e-mail to confirm that we have received your order. Payment is taken immediatley through the payment gateway whether or not we have the goods in stock. We will notify you if the goods are out of stock.

 

In the unlikely event that the goods are no longer available, or that we have made a pricing mistake, we will advise you of this. You will not receive an e-mail confirming acceptance of your order, and there will be no contract between us.

 

Electrical Items

All electrical items are supplied for the UK market at 220-240volts 50 Cycles.

If you are buying from outside the EU, please ensure compatibility with the electrical supply of your country before ordering.

 

Payment

We accept cheque, MasterCard, Visa and American Express credit cards, and Delta and Switch debit cards. Solo and Electron Cards are prohibited by the Card Issuers for Distance Selling. All card payments through this site, are via Sagepay a secure gateway, and you card details are never revealed to us. Your card payment will be processed at the time of ordering. VAT is included in all our prices. Our internet payment method is secure, however if you are nervous about paying over the Internet, you may fax your order to us on +44 (0) 115 9881552 +44 (0) 115 9881552 , or use our free phone no (UK only) 0808 108 5959. We would recommend our secure payment gateway as the most secure method, followed by Paypal.

 

Delivery

 

Please allow up to 28 days for delivery, though it is our intention to have them with you as soon as they are available. Goods are sent by 1st class post (UK orders), or courier. Goods for delivery outside the UK are sent by Airmail Small Packet. Delivery charges if applicable are notified to you at time of quotation. Many overseas countries apply duty to goods being imported. We have no control over this. If you are in any doubt contact your local Customs office.If the goods are not in stock at the time of receiving your order we will contact you with an expected delivery date, by email or phone. Payment is taken for out of stock items, automatically by the secure bank server. If you prefer to cancel an out of stock item, and pay for it when it is in stock, then please email [email protected]., and we will refund the out of stock amount back to your credit or debit card.

 

Returns Policy

You can cancel your contract at any time up to 14 working days after the day of delivery. To do this, please e-mail us or write to us. * Design disks are not covered if the packaging seal is broken.

 

You do not have to give any reason for cancellation. However, a brief explanation will help us to improve the service we offer to customers in the future.

 

If you cancel, you must return the goods to us at your own expense. You must ensure that the goods are packaged adequately to protect against damage, and are complete as when they were sent to you.

 

This cancellation policy does not affect your legal rights — for example, if goods are faulty or misdescribed.

Your payment card will be credited with the cost of the goods, but not the cost of shipping. For your protection we recommend that you use a recorded delivery service. Overseas customers MUST mark the customs declaration "returned goods - unsuitable" Failure to do this may result in the package attracting a customs charge, which will not be refunded.

 

In the unlikely event that the goods we supply are faulty we will pay for the cost of returning them if a fault is reported up to one month after purchase, (after which the buyer is responsible for return shipping). If the goods are genuinely faulty then we will offer a a new replacement item, or full refund for items returned within one month, after which we offer a repair or replacement item. This does not affect your statutory rights, and we will of course look at each case on an individual basis. We are a small businees and a good customer experience is very important to us.

 

To notify us our your intention to return goods please click on the meail link below.

[email protected]

 

*Goods should be returned to; Coles Sewing Centre Ltd, 90 Lower Parliament Street Nottingham NG1 1EH. Tel: 0115 9881550 , Fax 0115 9881552, quoting the order number.

 

Prices

 

All prices are correct, but are subject to alteration without warning. The price shown at the time of ordering will be the price charged to your payment card.

 

Taxes

All prices are inclusive of Value Added Tax, where applicable and in UK Pounds stirling. Vat is charged on all orders from the European Union. Any orders from outside the European Union will have the VAT removed.

 

Complaints

In the unlikely event you should have a complaint please e-mail: [email protected].

 

Alternatively please write to us or telephone using the details given above.

 

All complaints will be handled in a fair and professional manner. View our Privacy Policy

 

Copyright

Use of materials on this web site, including reproduction, modification or re-publication, without the prior written consent of Husqvarna Studio Nottingham is strictly prohibited.

 

Law and Jurisdiction

English Law governs the purchase of any goods from this site. By accepting our terms and conditions you are submitting the contract to the jurisdiction of the English Courts.

Our terms and conditions comply with the Distance Selling Regulations (Oct. 2000) Hmmm - repealed and replaced by the The Consumer Contracts Regulations - in force in June 2014

 

Coles Sewing Shop

Husqvarna Viking Sewing Machines & Sewing Accessories from Coles Sewing Centre Ltd

 

Welcome to Coles Sewing Centre, the premium UK supplier of Husqvarna Viking Sewing Machines. As we do not sell any other brand, we carry great expertise in the use of the products and in depth knowledge on how to get the best out of them for your sewing projects.

 

We offer free training on most new models supplied, as well as training on overlockers and embroidery software. We have a comprehensivefully equipped training centre and computer training suite

 

We are a supplier to schools, colleges and universities.

 

We have a Husqvarna Viking service and repair centre on site , and offer servicing and repairs to all makes and models. We can arrange for collection and delivery of your machine by courier, or free local collection in Nottingham and surrounding villages.

New Users:

 

Please note, to create an account, you have to select a product and add it to the basket in order to get to the screen that lets you create an account, though you do not then have to buy the product, you can empty the basket, or leave it there for a later visit.

 

If you are a Gold Thread Customer, you will receive your personal discount voucher code with your welcome, or renewal email, or call us on 0115 9881551 to get your current voucher code

 

If you experience any difficulties, please do not hesitate to contact us, we will be only to happy to help!

 

 

 

 

https://www.colessewingcentre.co.uk/terms.asp

 

I have to say that looking around they seem to be a small company with a well deserved good reputation. It seems a shame that things seem to be going wrong on this occasion.

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They are indeed a small family owned and run company (this is what first drew me to them) that and the fact that I already own another Husqvarna machine. The policies displayed on their site is impressive, but, they are not adhering to their own policies on this occasion.

 

After purchasing from them and encountering problems with the machine I started to look around the internet for information with regards to the performance of this particular machine.................. Based on what I found I would have never bought that particular machine.

 

The general opinions of a lot of Husqvarna owners is the machine has lost it's credibility since being brought out by a holding company. I cannot post links to Blogs with complaints of this particular machine (haven't posted enough to have this privilege) When raised the question with the shop about the faulty rocker arm and that Husqvarna had done a modification to their product I was told that the modification did NOT include my particular machine, but the model below it.

 

I had asked for a refund BEFORE reading these horror stories, the list of catastrophes regarding Husqvarna machines is endless, just check Facebook.

Edited by dx100uk
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Hi this is Neil Coles of Coles Sewing Centre.

Thanks for the right to reply.

 

We are a small family owned business and try to give the best service we can, and have a lot of happy customers with Husqvarna Viking Sewing Machines.

We are also accredited with Buy With Confidence, the Trading Standards Partnership, who can guide a customer for free through any complaint,and if necesary follow up with a Trading Standards Officer looking into the matter .

 

I see little point in putting our side of the story here,(as there would be pages of it, but essentially we can not find the fault and believe it to be a user issue) but will try and contact the lady concerned to see if we can resolve it for her. It is clearly keeping her awake at night, and I have no wish to cause her and us any unnecesary stress, as I have got to the age when I realise life is far to short for such things.

 

For the record Husqvarna Viking Machines are wonderful products,and we have many happy customers using them.

The problem with forums is only people who have an issue complain on them, (and quite often a visit to the dealer would quickly resolve the issue) , the happy users of which there are many, have no need to, but there are plenty of them posting projects that they are delighted with all sewn on Husqvarna Viking Machines. Please check our facebook pages for more.

Hopefully we can make this lady happy, I am going to try!

Thanks for your time. Neil Coles

Edited by dx100uk
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In response to Neil Coles' reply, I am grateful that you took the time to reply, thank you. Yes, it has caused me endless sleepless nights, but, as you've stated you are going address this matter I will not follow up with a very public slanging match, it is just not in my nature, and yes, when we all get to a certain age we like to live as close to a stress free life if possible.

 

Regards

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Well this is a really top piece of customer engagement – and we don't see it very often on this forum.

 

A big thank you to Coles Sewing Centre and a final comment that if a company engages this rapidly in response to a forum complaint, then this can only create a great deal of confidence in that company.

 

I think we will close the thread

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because no one has posted on it for the last 2276 days.

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If you want to post a new story then

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Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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