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    • I suggest that you write to the breeder immediately with a copy to the court and concede the cost of the puppy and also concede the excess costs for bringing that element of the claim. you will simply be conceding two points which frankly I don't think you can possibly win and it means that you're left with claims which are entirely winnable. Moreover the gesture of having written to the breeder making these concessions will show that you have tried hard to avoid litigation  and trouble and inconvenience to the court. even if the breeder refuses it, it will go to your credit that you have done this.    
    • Thank you. At this point I'm not sure how right or wrong I am.    But based on our conversation this evening I have gone back to the breeder via message and pointed out to them that I offer them one final chance to settle at 900 pounds.    They informed me their vets only said this treatment would cost 500. The same vets who don't notice a puppy who cant open his eyes.    And they are willing to settle at 500 as a gesture of good will. Ha! And this is why they wanted to mediate  to put this offer over. I advised that we wouldn't take less than 900 as a settlement. They arent interested.   I had to be quick as the money we used is our savings for some private health treatment we need to back in our banks by next month so really left me no choice but to bite the bullet and try and get this solved sooner rather than later     I appreciate your advice and hope the courts understand the full picture. 
    • Sorry for the additional post, I couldn't edit.   In Nolans letter uploaded in post #48, is that sufficient NOA? or does it have to be provided by the OC or Cabot?
    • After a brief consultation, the Financial Conduct Authority has now confirmed the tailored support measures for overdraft and consumer credit users affected by Covid-19. View the full article
    • Don't bother with the police. It won't get you anywhere and it's just a load of hassle. Your target will be Hermes. Get screenshots and evidence of everything and monitor this thread for a  fuller reply tomorrow   Please tell us more information. The value of the parcel, it's contents,  and dates
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    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
       
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
       
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
       
      I’m literally at the end of my tether and don’t know where to turn next !
       
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .

PPI Successes [NO QUESTIONS or EXPLANATIONS PLEASE] - just Bank/How Much with a link to your thread.


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hi just wana share with everybody cc ppi refund

letter today from mbna sent final response that there sending cheque for 1062 on all ppi deducted from me.........sent letter regard cca which is trash that ppi wasnt agreed they sent me cock and bull letter saying they had telephone conversation and i said no record on sar and theyb cracked ...............cool a refund its on its way I HOPE ! and link still chasing me.... scared! not! as there cca is trash

 

 

thanks everyone

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Its good to see that PPI is being refunded a bit easier these days too, Bit of a change from 2 years ago.

 

Well done to all who have continued to battle over the big RIP off PPI

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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Mr Landy's Sainsbury's loan PPI refund cheques have now cleared and been used to pay some bills so despite being a bit of a fiasco, this is another success thanks to Cag:D

 

Next time hopefully we'll be able to make a donation as a sign of our appreciation!

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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Mr Landy's Sainsbury's loan PPI refund cheques have now cleared and been used to pay some bills so despite being a bit of a fiasco, this is another success thanks to Cag:D

 

Next time hopefully we'll be able to make a donation as a sign of our appreciation!

 

 

Do you have a thread title that I can stick a **won** on :)

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Do you have a thread title that I can stick a **won** on :)

 

I do indeed Alan, but I'm afraid I'm hopeless at links - it's almost at the top of the PPI pile though, so you can't miss it;)

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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Hi folks, Can you help me please re; Cahoot Flexi Loan PPI claim. Should I write to Abbey H.O, or is there a separate one for Cahoot. I have completed paying the loan now, but had PPI which was automatically incl. in repayments. I reckon it's about £600 I paid for something I didnt need or want. Any advice? Many thanks!

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Hi folks, Can you help me please re; Cahoot Flexi Loan PPI claim. Should I write to Abbey H.O, or is there a separate one for Cahoot. I have completed paying the loan now, but had PPI which was automatically incl. in repayments. I reckon it's about £600 I paid for something I didnt need or want. Any advice? Many thanks!

 

start you own thread

and look at the notes for claimant stickie at the top of the forum.

 

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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This morning I received a cheque from CitiFinancial Europe plc for £1639.74 as full settlement of my PPI claim including £200 compensation awarded by Financial Ombudsman for stress etc.

 

A long wait but well worth it thanks to CAG.

 

Well worth mentioning that final decision by FOS was handed down on 21/10/2009, Citi given four weeks to repond which they didn't.

 

Letter sent to Citi dated 19/11/2009 advising pending legal action.

Letter received today dated 26/11/2009 enclosing two cheques one dated 12/11/2009 and the other 19/11/2009.

Edited by trevorvale
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This morning I received a cheque from CitiFinancial Europe plc for £1639.74 as full settlement of my PPI claim including £200 compensation awarded by Financial Ombudsman for stress etc.

 

A long wait but well worth it thanks to CAG.

 

well done

 

dx

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

 

DCA's view debtors as suckers, marks and mugs

 

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

and they

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

 

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

 

 

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hi just wana share with everybody cc ppi refund

letter today from mbna sent final response that there sending cheque for 1062 on all ppi deducted from me.........sent letter regard cca which is trash that ppi wasnt agreed they sent me cock and bull letter saying they had telephone conversation and i said no record on sar and theyb cracked ...............cool a refund its on its way I HOPE ! and link still chasing me.... scared! not! as there cca is trash

 

 

thanks everyone

 

Mr Landy's Sainsbury's loan PPI refund cheques have now cleared and been used to pay some bills so despite being a bit of a fiasco, this is another success thanks to Cag:D

 

Next time hopefully we'll be able to make a donation as a sign of our appreciation!

 

This morning I received a cheque from CitiFinancial Europe plc for £1639.74 as full settlement of my PPI claim including £200 compensation awarded by Financial Ombudsman for stress etc.

 

A long wait but well worth it thanks to CAG.

 

Well worth mentioning that final decision by FOS was handed down on 21/10/2009, Citi given four weeks to repond which they didn't.

 

Letter sent to Citi dated 19/11/2009 advising pending legal action.

Letter received today dated 26/11/2009 enclosing two cheques one dated 12/11/2009 and the other 19/11/2009.

 

Excellent news from all of you. :D

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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This morning I received a cheque from CitiFinancial Europe plc for £1639.74 as full settlement of my PPI claim including £200 compensation awarded by Financial Ombudsman for stress etc.

 

A long wait but well worth it thanks to CAG.

 

Well worth mentioning that final decision by FOS was handed down on 21/10/2009, Citi given four weeks to repond which they didn't.

 

Letter sent to Citi dated 19/11/2009 advising pending legal action.

Letter received today dated 26/11/2009 enclosing two cheques one dated 12/11/2009 and the other 19/11/2009.

 

 

Good result well done thanks for posting in the successes sticky ;)

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Had an offer from HFC for amount plus 8% interest, I sent this back and they signed for on 26/11, can anyone please advise how long this usually takes to pay into my account, as they have advised that this is the only way of paying it.

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were you in arrears?

if not they cannot do that, they must pay by cheque

did you not get their std acceptance letter.

 

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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No the loan was cleared over 2 years ago, they sent out a letter offering a settlement plus 8% interest and asked for bank account details to pay the funds into, and advised that this could not be a third party account. i sent back and they received on 26/11/09 but have not heard anything yet.

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Had an offer from HFC for amount plus 8% interest, I sent this back and they signed for on 26/11, can anyone please advise how long this usually takes to pay into my account, as they have advised that this is the only way of paying it.

 

 

Hi is there still any outstanding monies owing, I ask this as my OH was made an offer 3 weeks ago but the offer if accepted would just come off the balance of the loan that is owed.

 

Mr W

Regards..Mr Worried :)

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I would like to point out that this forum is the stickies for successes on PPI Claims. If you have any other questions/issues then you should start your own thread in the appropriate forum.

 

Thank you

 

This is pointed to

 

dx100uk

ikonos

Mr Worried

 

Please try to keep the PPI successes as it is. If you have further issues then that is fine and would require a further issue in an appropriate thread.

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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I would like to point out that this forum is the stickies for successes on PPI Claims. If you have any other questions/issues then you should start your own thread in the appropriate forum.

 

Thank you

 

This is pointed to

 

dx100uk

ikonos

Mr Worried

 

Please try to keep the PPI successes as it is. If you have further issues then that is fine and would require a further issue in an appropriate thread.

 

aa

 

aa, sorry for that, however I responded as I always do as soon as I get the e-mail informing me that my subbing has been alerted, so I click and reply if I can, what else am I supposed to do?

Regards..Mr Worried :)

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  • 2 weeks later...

Received PPI rebate in full plus associated interest and then 8% on top from barclays. First complained April 09, complaint forwarded to ombudsman August 09 and barclays roll over Dec09, full amount credited to current a/c.

 

Keep plugging away at them people, it can sometimes be a long hall, but so worth it in the end.

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Well Done !! dj :D

 

Nice time to get a win.

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

Link to post
Share on other sites

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 4 weeks later...

Well done! :) keep posting nice result to wipe out the balance :D

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Re; Cahoot Flexi Loan. PPI mis-sold.

 

After ONE letter (my reminder has crossed in the post) they (Santander, was Cahoot) have upheld the complaint and offered to refund me in full. £550 PPI premiums, plus £250 interest = £800.00 on its way when I send in the agreement form. Very, very happy indeed! :p

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Re; Cahoot Flexi Loan. PPI mis-sold.

 

After ONE letter (my reminder has crossed in the post) they (Santander, was Cahoot) have upheld the complaint and offered to refund me in full. £550 PPI premiums, plus £250 interest = £800.00 on its way when I send in the agreement form. Very, very happy indeed! :p

 

Well done layer cake makes for a Happy Start to the New Year :D

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Hello, Please excuse my ignorance on these matters... I need all your expert help and opinions. I have been approached by two different companies wanting to 'help' me to reclaim a PPI and other charges relating to credit cards no longer used. Both companies required payments upfront. A posting on this forum suggests I can do it myself - can anyone help me in the right direction? I've been really ill and off work for months and when these companies ring it seems a good idea to let someone else do the work :? as I'm so shattered with it all. Many thanks for your time..........

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