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    • I think my post is too long so I've split it ino two: It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I think my post is too long so I've split it into two: It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good.
    • It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I can’t comment on the argument that the two speeding offences were committed “on the same occasion” as I don’t have the details. That phrase is not defined anywhere and is a matter for the court to decide. It’s an interesting thought (and only that) that such an argument could equally be made for the two FtP offences. If the requests for driver’s details arrived at your old address at the same time, with the same deadline for reply, it could be argued that you failed to respond to hem both “on the same occasion” (i.e when the 28 days to respond expired) and so should only receive penalty points for one. Hopefully you won’t need to go there. I think you have information about avoiding a “totting up” ban. But here’s the magistrates’ latest guidance on "Exceptional Hardship" (EH) which they refer to: When considering whether there are grounds to reduce or avoid a totting up disqualification the court should have regard to the following: It is for the offender to prove to the civil standard of proof that such grounds exist. Other than very exceptionally, this will require evidence from the offender, and where such evidence is given, it must be sworn. Where it is asserted that hardship would be caused, the court must be satisfied that it is not merely inconvenience, or hardship, but exceptional hardship for which the court must have evidence; Almost every disqualification entails hardship for the person disqualified and their immediate family. This is part of the deterrent objective of the provisions combined with the preventative effect of the order not to drive. If a motorist continues to offend after becoming aware of the risk to their licence of further penalty points, the court can take this circumstance into account. Courts should be cautious before accepting assertions of exceptional hardship without evidence that alternatives (including alternative means of transport) for avoiding exceptional hardship are not viable; Loss of employment will be an inevitable consequence of a driving ban for many people. Evidence that loss of employment would follow from disqualification is not in itself sufficient to demonstrate exceptional hardship; whether or not it does will depend on the circumstances of the offender and the consequences of that loss of employment on the offender and/or others. I must say, I still do not understand what the solicitor means by “As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge.” When they speak of “leave of the judge” I assume they mean they have lodged an appeal with the Crown Court. I don’t know what for or why they would do this. It seems to follow on from their explanation of the “totting up” ban. If so, I’m surprised that the Crown Court has accepted an appeal against something that has not yet happened. But as I said, i is no clear to me. Only you can decide whether to employ your solicitor to represent you in court. If it was me I would not because there is nothing he can say that you cannot say yourself. However, I am fairly knowledgeable of the process and confident I can deal with it. That said, I do have a feeling that the solicitor is somewhat “over egging the pudding” by introducing such things as appeals to the Crown Court which, in all honesty, you can deal with if they are required. I can only say that the process you will attempt to employ is by no means unusual and all court users will be familiar with it. I can also say that I have only ever heard of one instance where it was refused. In summary, it is my view that it is very unlikely that your offer to do the deal will be refused. If it is accepted, you may be able to persuade he court that the two speeding offences occurred "on the same occasion" and so should only receive one lot of points. Let me know the details (timings, places, etc) and I'll give you my opinion. Just in case your offer is refused, you should have your EH argument ready. Whether it's worth paying what will amount to many hundreds of pounds to pay someone to see this through is your call.  Let me know if I can help further. It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I can’t comment on the argument that the two speeding offences were committed “on the same occasion” as I don’t have the details. That phrase is not defined anywhere and is a matter for the court to decide. It’s an interesting thought (and only that) that such an argument could equally be made for the two FtP offences. If the requests for driver’s details arrived at your old address at the same time, with the same deadline for reply, it could be argued that you failed to respond to hem both “on the same occasion” (i.e when the 28 days to respond expired) and so should only receive penalty points for one. Hopefully you won’t need to go there. I think you have information about avoiding a “totting up” ban. But here’s the magistrates’ latest guidance on "Exceptional Hardship" (EH) which they refer to: When considering whether there are grounds to reduce or avoid a totting up disqualification the court should have regard to the following: It is for the offender to prove to the civil standard of proof that such grounds exist. Other than very exceptionally, this will require evidence from the offender, and where such evidence is given, it must be sworn. Where it is asserted that hardship would be caused, the court must be satisfied that it is not merely inconvenience, or hardship, but exceptional hardship for which the court must have evidence; Almost every disqualification entails hardship for the person disqualified and their immediate family. This is part of the deterrent objective of the provisions combined with the preventative effect of the order not to drive. If a motorist continues to offend after becoming aware of the risk to their licence of further penalty points, the court can take this circumstance into account. Courts should be cautious before accepting assertions of exceptional hardship without evidence that alternatives (including alternative means of transport) for avoiding exceptional hardship are not viable; Loss of employment will be an inevitable consequence of a driving ban for many people. Evidence that loss of employment would follow from disqualification is not in itself sufficient to demonstrate exceptional hardship; whether or not it does will depend on the circumstances of the offender and the consequences of that loss of employment on the offender and/or others. I must say, I still do not understand what the solicitor means by “As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge.” When they speak of “leave of the judge” I assume they mean they have lodged an appeal with the Crown Court. I don’t know what for or why they would do this. It seems to follow on from their explanation of the “totting up” ban. If so, I’m surprised that the Crown Court has accepted an appeal against something that has not yet happened. But as I said, i is no clear to me. Only you can decide whether to employ your solicitor to represent you in court. If it was me I would not because there is nothing he can say that you cannot say yourself. However, I am fairly knowledgeable of the process and confident I can deal with it. That said, I do have a feeling that the solicitor is somewhat “over egging the pudding” by introducing such things as appeals to the Crown Court which, in all honesty, you can deal with if they are required. I can only say that the process you will attempt to employ is by no means unusual and all court users will be familiar with it. I can also say that I have only ever heard of one instance where it was refused. In summary, it is my view that it is very unlikely that your offer to do the deal will be refused. If it is accepted, you may be able to persuade he court that the two speeding offences occurred "on the same occasion" and so should only receive one lot of points. Let me know the details (timings, places, etc) and I'll give you my opinion. Just in case your offer is refused, you should have your EH argument ready. Whether it's worth paying what will amount to many hundreds of pounds to pay someone to see this through is your call.  Let me know if I can help further.
    • This must be part of the new tactic from Evri.  They know they are going to lose. They take it to the wire and then don't bother to turn up in order to save themselves costs and of course they don't give a damn about the cost to the British taxpayer and the extra court delays they cause. This is a nasty dishonest company – but rather in line with all of the parcel delivery industry which knows that their insurance requirements are unlawful. They know that their prohibited items are for the most part unfair terms. They know for the most part that a "safe place" is exactly what it means – are not left on somebody's doorstep in full view. They know that obtaining a signature means that they have to show the signature not simply claim that they received a signature. They are making huge profits especially from their unlawful and unenforceable insurance requirement. Although this is less valuable than the PPI scandal, in terms of the number of people who are affected nationwide, PPI pales into insignificance. I hope the paralegals working for Evri are proud of themselves and they tell their families what they have done during the day when they go home.
    • Your PCN does not comply with the Protection of freedoms Act 2012 Schedule 4 Section 9[2][a] (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The only time on the PCN is 17.14. That is only  a time for there to be a period there would have to be a start and and end time mentioned. of course they do show the ANPR arrival and departures  times but that is not the parking period and their times are on the photographs not on the PCN. They also failed to comply with S.9[2][f] as they omitted to say that they could only pursue the keeper if they complied with the Act. That means that they can only pursue the driver as the keeper cannot be held liable for the charge. As they do not know who was driving and Courts do not accept that the driver and the keeper are the same person they will struggle to win. Especially as so many people are able to legally drive your car and you haven't appealed giving them no indication therefore of who was driving. Small nitpicking point-the date of Infringement was 22/04/2024. They appear to be saying that they can charge an extra amount [up to £70 ] if they have to use a debt collector. You do not have a contract with a debt collector so they cannot add that cost. You paid for four hours so it can only be the 15 minutes they are complaining about. You are entitled to a ten minute minimum grace period at the end of the parking period which would be easier to explain if the car park had been bigger. However if you allow for two minutes to park and two minutes to leave that gives you one minute to account for. Things like being held on the way out by cars in front waiting to get on to Northgate or even your own car being held up trying to get on to Northgate at a busy time. then other considerations like having to stop to allow pedestrians to walk in front of you or being held up by another car doing a u turn in front of your car. you would have to check with the driver and see if they could account for an extra one minute things like a disabled passenger or having to strap in a child . I am not advocating lying since that could lead to serious problems [like jail time] but there can be an awful lot of minor things that can cause a hold up of a minute even the engine not starting straight away or another car being badly parked as examples. Sadly you cannot include the 5 minute Consideration period as both IPC and BPA fail to comply with the convention that you can include that time with the Grace period.  
    • Defence struck out not case struck out...you have judgment  Well done topic title updated Regard's Please consider making a donation if not already to support us to help others.   Andy.   .
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Micheboo v Nationwide


Micheboo
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Hi everyone, just looked at my thread and tiatia is sending eversheds a copy of charges, do I need 2 do that or should I leave it they have had 3 copies already. The thread i read was the most recent one.

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Hi everyone, I have good news nationwide have paid £799.89 of the £1191.49 that they owe me. I can not believe how fast they put money in my account, that I have forgotten what to do next. Can someone advise me on this please.:confused:

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Can anybody advise on what I should do next, because I still can not believe they paid so fast. But I have another problem the figures do not add up. I checked my account again today and nationwide paid £809.89 into my account I had £45.99 in there, but the total was £856.30, I do'nt understand :confused: can someone help me please.

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Thank you sunshinegal, I was wondering wether I should write them a letter with a schedule of the charges. Your right though! I will not stop until I get it all, and then crap1 will be next.

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Larger claims are usually paid over a few days and don't always make sense, like costs + charges + interest. Give them till the end of play on Monday, then send an email/letter as they are easily recorded. You may find that they've topped up your payout by then.

 

K.

Kelly

Settled: Nationwide £372.55

Before you do anything read this:

Guide to Reclaiming Bank Charges

 

Most questions can be answered by checking out these links:

Frequently Asked Questions

Step by step instructions

Letter Templates

And don't forget to use the search facility! Chances are your question has already been answered on another thread. Good luck

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Thanks Kelly, I was getting a little jittery about it, and its very tempting to just go and start spending, but I know that, that would be silly, as I hav'nt recieved it all yet.

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Hi everyone ,nationwide have paid up but they are disputing £50, my first charge.

They say that the onus is on me to prove that they owe me that, they forget I have the statement and its written in black and white. They have also said that I must use the notice of charges but use the statements. I'm just glad I kept every single statement and the notice of charges instead of shredding them. So I'll be photocopying it as I want all of MY money.

Anyway I'm rambling on and that could go on for hours.

I would like to say Thank You to all who helped me with my claim, as I have said before, if it was'nt for Martin Lewis and CAG I would not have had the courage to take nationwide.

THANK YOU.

Oh, what do I do now, should I write to the court sending them a notice of dicontinuace or should I wait until they contact me? :confused:

Capital One here I come :D

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Congrats Micheboo!!

The jitters were all part of the fun :p If you're hell bent on getting your remaining £50 (with your evidence I certainly would), then you need to send an acceptance of partial settlement letter. The claim should remain open until you have every penny of your claim in your account.

 

Well done and good luck with the last leg!

 

K.

Kelly

Settled: Nationwide £372.55

Before you do anything read this:

Guide to Reclaiming Bank Charges

 

Most questions can be answered by checking out these links:

Frequently Asked Questions

Step by step instructions

Letter Templates

And don't forget to use the search facility! Chances are your question has already been answered on another thread. Good luck

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Hi everyone, sent nationwide a acceptance of partial settlement letter yesterday with a photocopy of my statement showing the charge they just happened to miss out. I checked my account this morning and they have added the £321.47, bringing the total up to £1137.77. This is all good but they still owe me £50.

Let see what happens anyway, I'm sure it will be there by the end of the week.

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Hi Micheboo!

It is NOT for Nationwide to apportion any monies that they have paid U.

They have Defended the FULL amount that U have Claimed, have they not??

They could have entered a PARTIAL Defence, but chose not to.

Therefore they either accept that the WHOLE of your Claim is valid + pay it in it's entirety.

...Or else pay NOTHING + Defend EVERYTHING that is Claimed!!!

Hope U remembered to mention in your PoC what was advised in the following link??!...

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31575-important-things-you-really.html?garpg=6

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Hi Micheboo,

 

I am having a bit of trouble getting all of my claim from them as well. They paid the charges outstanding on the 7th June, but not the court costs or interest. I received a letter from Nationwide today stating that they had paid the charges, interest and court costs, but after checking my account still no interest or court costs. I phoned them and spoke to rather snotty lady named Tracey, who said they had paid the charges, to which I replied yes but where was the remaining interest and court costs. I could hear here tapping away on her computer and she then said it was not her department but she would make sure it was put into the account tomorrow and before I could reply she put the phone down (must be stressed all this money they are paying back! :D ). The 28days are up tomorrow so I can guess the defence will be that they have paid so I will be checking my account again tomorrow with interest.

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Hi all, Thanx for your reply's. MTM, Nationwide may have defended all of my claim but they still owe me £50, I sent them a copy of the statement, to which the two charges relate to. As I wrote in my previous post I sent them a letter of partial settlement with that photocopy, on that same day I recieved the remainder of the balance that say they owe me.

What do I do now as they still have'nt paid the £50, and I have'nt heard from the court either.:confused:

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Hello Micheboo!

What do I do now as they still have'nt paid the £50, and I have'nt heard from the court either.:confused:
???...Of Course U HAVE heard from the Court!!!...

The defendant disputes all or part of my claim

 

When they sent U details of Nationwide's Defence, the Court would have also sent U an ALLOCATION QUESTIONAIRE, did they not??!

 

If U want the £50 of YOUR money that Nationwide still won't give U back, U will have to carry on with your Claim + fill the AQ in + send it back to the Court, along with the appropriate fee.

(...U will get your AQ fee refunded when U win your Claim)

 

It is very important that U do this within the Court's stated deadline.

 

For further guidance about how to fill in your AQ, look at the further links that are given re: AQ's, within McWILLS Thread...

http://www.consumeractiongroup.co.uk/forum/nationwide/93058-mcwills-nationwide.html

 

It isn't as daunting as U may think...Honest!...;)

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If the Court has sent U a copy of Nationwide's Defence (N152 Form), they SHOULD have also sent U an AQ (N150 Form) + possibly a N271 Form also!

...as per the link in my last Post.

 

Which of the above are U saying that U have/haven't received??

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No I have'nt been sent any of those forms, the last thing I recieved from the court was Notice that Acknowledgement of service has been served.

Claim issued on 11/05/07

Sent by Court to Nationwide on 17/05/07

Deemed Served on 20/05/07

Acknowledgement of Service on 25/05/07

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...Nationwide may have defended all of my claim but they still owe me £50
It was this post of yours (Mon), that led me to assume that Nationwide had actually submitted a Defence, that the Court had passed on to U!

 

On reflection, with the info in your last post, your next course of action should be to get on to Croydon County Court + check to see if Nationwide have actually filed a Defence with the Court yet.

 

I personally think that it is MUCH better if a Claimant goes via the N1 Form route, rather than via MCOL, cos it removes the easy facilitation for natural impetuosity that some have to File for 'Judgement by Default' too soon.

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Hi all, Thanx MTM I do'nt know what I would do if you were not here to help me.

I called Croydon County Court first thing this morning, and the nice lady I spoke to told me that they put in there defence last friday, so I should recieve the paperwork, either this morning or tomorrow (postie has'nt arrived yet).

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I have just recieved a reply to my acceptance of partial settlement from nationwide its the same fob off letter I recieved for the prelim and LBA, what are they on? :mad:

Still no defence or allocation questionaire. :confused:

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Hi everyone, just recieved nationwide's defence from the court, saying its been paid. What a bunch of jokers. Anyway thats the end of that. Its been fun.

Thank you for all those who helped me with my claim especially MilkTrayMan, thanx for helping reclaim what is rightfully mine. :D

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...just recieved nationwide's defence from the court, saying its been paid...Anyway thats the end of that. Its been fun.
Post again when the AQ deadline for the £50 that Nationwide still owe U is due!...;)

In the meantime, it might help if U reminded them that cos some money is outstanding, U WILL be continuing your Claim against them?!...:)

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Hi all, sorry MTM should have been abit clearer in my last post, I recieved my £50 on the same day I recieved the defence from the court. So I'm happy, I thought it was a great birthday present.

Capital One next. hehehe

Thanx again.

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