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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
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First idrw now cwd law re dubai debt


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Left Dubai in summer 2016 having been made redundant, took wife and 3 month son to place of safety (not UK) fully intended to return to UAE and find new employment, as i had insurance against the loan. I never intended not to pay the loan. However.

 

Bank immediately froze accounts, refused to process Involuntary loss of income insurance i had taken through them and demanded full settlement. This is an unsecured loan not a CC debt. They stated i had to be in the country to process the insurance? i asked them to send me the T&C which state this. They refused.

 

I left enough cash in the account to meet payments for 8 months regardless, had they processed insurance a further 6.

 

Usual story here, i continued to communicate with the bank directly by telephone and by email, they wouldn't accept any scenarios or payment plans other than full. I secured a new job offer in UAE and stated i could return and continue to make payments if they would confirm no court action had been taken They refused to do simply stating case filed. As i result i could not risk returning and being arrested, this would lose me the job and what then? no good for me or them.

 

I returned with my family to UK in Spring 2017 having got a job, that job ended in June 2018 and still not working. (my wife is keeping us afloat) - I continued to email the bank asking if i could come to payment agreements, again they refused anything other than a full settlement! Crazy.

 

 

i received a number of threatening calls to my work place from debt collectors in Dubai (coincided but i cannot prove with losing job)

 

I started to then get emails and letters from IDRW including threats. I did not respond

 

I have now had the same from CWD ... first emails and a letter, and now attaching a SD to an email. (i have not had this by post or served in anyway) They include the statements from the bank. They included a terms and conditions relating to credit cards (i had 2 but i settled these)they did not include and t & c for the loan as i can see.

 

this was this week i have not responded.

 

I own a property with less than 5k equity in it, which would be wiped out under the terms of the mortgage for a further 4 years yet.

 

I have CC debt in UK which we are managing.

 

Im not working through ill health now, but hope to be back fit some time soon

 

From what i have read i should continue to ignore unless they serve the SD or take other court action?

 

obviously a little stressed.

 

Thoughts?

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they cant serve an sd by email and their phonecalls to your work etc and all manner of friends and relatives [if that's to come] should be made illegal in this country but ofcourse with Dubai being so powerful moneywise we nor the EU do anything about

 

ignore them

block and bounce their emails too.

 

its about time someone raised a serious complaint about this lot..

. yours seems a wee bit more serious for you as you suspect they lost you your job??

the authorities might sit up and listen here

esp if you could get evidence it was caused by them

your UK

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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Thank you DX

 

The job scenario was very coincidental yes. I don't have any proof of that. The company doing it was Dubai based. They also emailed me and a generic work address, which fortunately came to me anyway. No contact with family, they would get short shrift if they did.

 

I responded the the Dubai companies email. stating the facts of the matter, that i did not recognise the terms or indeed the amount, and that i was in dispute regarding the insurance etc. I also told them i would not communicate with them as I do not appreciate the threats they made (the usual stuff, Interpol, assets, arrest, passport reported to every air space restricting travel so on and so forth) I told them in no uncertain terms that the bank should contact me directly. They never have since that date.

 

This is when i think it was passed to UK.

 

I spoke to a debt charity and they also said that the SD may be a further tactic. I will await to see if they formally serve anything or try the court ccj route.

 

In the email they quote a reference to the Treaty between the United Kingdom of Great Britain and Northern Ireland and the United Arab Emirates on Judicial Assistance in Civil and Commercial Matters 2006. I have read this. It is an interesting read, particularly about requests fro judicial assistance.

 

I have kept extensive records of all coms with the bank directly including offering previously to make reduced monthly payments in the interim, and that they should honour the insurance, but they refused.

 

The insurance i took out for the term was expensive!!! yet they blocked the claim and at the very least were obstructive. Perhaps a court would / may take that in to account if it gets to that point.

 

Another significant factor is the current exchange rates: they add about 20%

 

There have been many threads i see, but rarely does anyone return and give outcomes?

 

Mosalah's thread is an interesting one. I will keep an eye on how that progresses.

Edited by lorcandub
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If the original creditor bank wanted to get a UK CCJ they could do so. But they would have to follow all of the rules in issuing the claim to you, bearing in mind this debt was not originated in the UK.

 

From what I have read over recent years, there seems to be a reluctance to pursue foreign debts too far. They will try to gain payment, without incurring costs they might never get back. Going back more than 5 years ago, there was a period, when UAE Banks were making people Bankrupt in the UK related to UAE debts, but I think they have stopped this. Probably realised that the costs and hassle were not justified. If you visit the London Gazette, you can do an advanced search and see whether the UAE Bank have obtained any Bankruptcy orders in recent times.

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I can find very few, and most are debtors petition not creditors. I guess some people go that route in the end. I understand also that some IVA companies etc recommend that route out. I do not want that, but if it comes to it then what choice. I will update should this progress.

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I did see that, all I’m saying if you speak directly with the recovery department they will accept the original amount before any interest was added. However this only works if you have the money to pay it off.

 

Chelsea, thank you for your contribution it is appreciated.

 

I have exchanged hours of telephone conversations and emails with the bank directly until earlier this year. For 18 months i have tried to talk with them. They have a single response. Pay in full.

 

I think you will find many in my situation have tried also. But i do not see why i should just accept them refusing to pay out on a legitimate claim.

 

I offered very early on to pay off a lump sum in the interim, of about 25% of the outstanding, reducing the amount owed and continuing to pay the monthly payments for 8 months. They refused to accept that.

 

Their refusal to process the insurance claim, despite having sent them all the required evidence and a copy of the certificate was mindless, to them and to me. Note that it was the banks own insurance cover. This wasn't just any insurance, i had purchased the top, level, thinking I was being conscientious.

 

I left for one reason only. I had a wife and a son of just 2 months old at the time. I had to make sure of their security. I fully intended to returned alone within a few weeks of leaving with a view to seeking new employment. My employers were sound, keeping my visa open to do so as long as i needed it. The trouble was the bank FROZE everything on the payment f my final salary into my account. Had i intended to skip the country completely, i would not have left a large sum in the account. (not being ale to return by the way meant i lost y car which i didn't owe anything on, all my furniture, and my rent, 10 months worth, and it wasn't a cheap apartment).

 

Even at that point i sought assurance from them that if i returned they would give me the time to find new work. I was, after all, still paying monthly the charges. They declined to give that assurance, and again at a later point when i has secured a new job, which meant I couldn't take that risk.

 

Then when in the UK i tried again to talk with them to agree a financial settlement. They demanded full payment or nothing else. So I believe I have exhausted that avenue and, frankly, feel aggrieved that they have through their archaic actions not only caused distress, but had a huge impact upon my career in general, not to mention the anxiety and impact upon health.

 

Now that all sounds a sob story and at the end of the day, they do not care. Neither will their representatives. I doubt that it will lend much weight if it ends up any where neara court, but one would hope that it demonstrates to any hearing the efforts I have made.

 

Truth is it is their own actions that have resulted in the situation we are now faced with.

 

I had considered writing to the banks CEO to express my opinion. Offer to work to find a sollution,but on experience i believe this would be a total waste of time.

 

I will use what protection we have in the UK if and when the time comes.

Edited by lorcandub
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Ignore them

You owe nothing

 

Dont get fleeced

All you are doing by paying is financing the harrassment of others

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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I wouldn't say I owe them nothing, the insurance policy would have settled 6 months of instalments ON LOSS OF EMPLOYMENT not the full balance. (full balance and the same amount again on disability or death) But i certainly do not accept the additional s and the terms and conditions. I do not believe i have ever signed them for the loan anyway, just the credit cards (they have not provided the signed agreement for the loan and the credit cards are fully settled)

 

i have no intention of paying them anything now unless forced to do so through a court of law, which i will defend vigorously.

 

Even now, I have potential job offers back in the GCC which by their actions they prevent me taking up. IF THEY WERE NOT SO SIMPLE MINDED AND FRANKLY IMPOSSIBLE IT COULD ALL HAVE BEEN SQUARED AWAY. Its BONKERS

Edited by lorcandub
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the point is

they would have gotten the moneyback you owe anyway as I cannot believe that they would not have had bad debt insurance anyway

all financial co's do. and got tax back too, this is Dubai we are talking about.

 

id even go as far to say that those that do pay them direct if digging were to be done, that money was forwarded onto the debt buyers .

IDRW and CWD cant ge doing all this chasing for free so must be getting something out of the original creditors.

 

also unlike the UK they don't have to abide by any of our rules, saying their client is XYZ bank might be wee bit of a white lie …...

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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have you looke into these people? You will see that they dont obey UK or EU law and that is why the UAE banks cant enforce any debt outside of the gulf.

 

As long as you dont go back there or to Saudi there is nothing they can do to enforce the debt other than try and wear you down by being a nuisance

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CWD are a UK company.

I do not know if they have/had not had success but it would appear that they are very active so one would assume that they are not wasting their time.

 

I shall update if or when i get anything that is court based or served.

I think that will be the next step.

 

I think they get success at that point if people do not defend.

Its all 'think' as people do not seems to return to any of the 10000's of threads on this and post outcomes, which in itself is strange.

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which 99% of the time means it went no further.

of the 1000's of threads here we would hear If they didn't even in a few cases

we don't...sc@mmers united...as with ALL DCA's

 

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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Share on other sites

so one would assume that they are not wasting their time..

 

For every 100 toothless letters they send, I guarantee you 5 people pay up from fear. Not a bad return for the price of 100 stamps.

 

All this low hanging fruit means that why would they bother risking a potentially hugely expensive and risky foreign court case for people who do the right thing and ignore!

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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also just remember that where court cases are involved either they are:

default judgements . not contested

patsy clients.

people that give in without defending.

 

theres not been ONE CASE involving these players whereby jurisdiction of the UK has been questioned.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Statutory Demand has been served. I have checked it and it is the correct paperwork.

 

Now to defend.

 

Talking to a solicitor who is familiar with CWD

 

Letter will go to them to withdraw it.

 

If they do not agree, we shall then apply to set aside on a number of grounds.

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1st port of call is the agreement that proves they can bring an SD on in their own name against you when they don't OWN the debt.

they must have written authority from the bank in question

 

if not as that other thread , an SD cannot be used as a debt collection tool!!

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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dear lorcandub do post the outcome of this, as you said many post about SD etc but I have not seen any post after that..

 

I am on the same boat so curious to know what are the out comes. My 18 years of career is almost over due to this...

 

I don't really know what SD looks like - will that be

1) a standard letter with uae bank paperwork & TC Or

2) will it be a court paper?

If the answer is 1) then I had that but nothing happened.

 

All I can say they have not taken me to court yet 2 years and still fiddling.

 

Having said that I have no asset or work (since I returned from UAE) so perhaps I am not a good catch yet!

Edited by dx100uk
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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

and I doubt the OP has either

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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Thank you

So how is your expert responding?

Has he sent a cca request yet and proved the t&c state it can be enforced here by a third party? I bet it doesnt.

 

You only have 18 days

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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Yes i have 18 days

 

As stated, a letter will be sent today/tomorrow

 

This will request it is withdrawn and the initial grounds upon which a set aside will be applied for.

 

Further to that, request for evidence of a number of things, including to those you have highlighted and more.

Edited by dx100uk
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don't forget costs too!!

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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