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    • Thank you for your responses. As requested, some more detail. Please forgive, I'm writing this on my phone which always makes for less than perfect grammar. My Dad tries but English not his 1st language, i'm born and bred in England, a qualified accountant and i often help him with his admin. On this occasion I helped my dad put in his renewal driving licence application around 6 weeks before expiry and with it the disclosure of his sleep apnoea. Once the licence expired I told him to get in touch with his GP, because the DVLA were offering only radio silence at that time (excuses of backlogs When I called to chase up). The GP charged £30 for an opinion letter on his ability to drive based on his medical history- at the time I didn't take a copy of the letter, but I am hoping this will be key evidence that we can rely on as to why s88 applies because in the GP opinion they saw no reason he couldn't drive i need to see the letter again as im going only on memory- we forwarded the letter in a chase up / complaint to the DVLA.  In December, everything went quiet RE the sleep apnoea (i presume his GP had given assurance) but the DVLA noticed there had been a 2nd medical issue in the past, when my father suffered a one off mini stroke 3 years prior. That condition had long been resolved via an operation (on his brain of all places, it was a scary time, but he came through unscathed) and he's never had an issue since. We were able to respond to that query very promptly (within the 14 days) and the next communication was the licence being granted 2 months later. DVLA have been very slow in responding every step of the way.  I realise by not disclosing the mini stroke at the time, and again on renewal (had I known I'd have encouraged it) he was potentially committing an offence, however that is not relevant to the current charge being levied, which is that he was unable to rely on s88 because of a current medical issue (not one that had been resolved). I could be wrong, I'm not a legal expert! The letter is a summons I believe because its a speeding offence (59 in a temp roadworks 50 limit on the A1, ironically whist driving up to visit me). We pleaded guilty to the speeding but not guilty to the s87.  DVLA always confirmed to me on the phone that the licence had not been revoked and that he "May" be able to continue to drive. They also confirmed in writing, but the letter explains the DVLA offer no opinion on the matter and that its up to the driver to seek legal advice. I'll take the advice to contact DVLA medical group. I'm going to contact the GP to make sure they received the SAR request for data, and make it clear we need to see a copy of the opinion letter. In terms of whether to continue to fight this, or to continue with the defence, do we have any idea of the potential consequences of either option? Thanks all
    • stopping payments until a DN arrives does not equal automatic sale to a DCA...if you resume payments after the DN.  
    • Sleep apnoea: used to require the condition  to be “completely” controlled Sometime before June 2013 DVLA changed it to "adequately" controlled. I have to disagree with MitM regarding the effect of informing DVLA and S.88 A diagnosis of sleep apnoea doesn't mean a licence wont be granted, and, indeed, here it was. If the father sought medical advice (did he?) : this is precisely where S.88 applies https://assets.publishing.service.gov.uk/media/64edcf3a13ae1500116e2f5d/inf1886-can-i-drive-while-my-application-is-with-dvla.pdf p.4 for “new medical condition” It is shakier ground if the opinion of a healthcare professional wasn’t sought. in that case it is on the driver to state they believed they met the medical standard to drive. However, the fact the licence was then later granted can be used to be persuasive that the driver’s belief they met the standard was correct. What was the other condition? And, just to confirm, at no point did DVLA say the licence was revoked / application refused? I’d be asking DVLA Drivers’ Medical Group why they believe S.88 doesn’t apply. S.88 only applies for the UK, incidentally. If your licence has expired and you meet the conditions for S.88 you can drive in the U.K., but not outside the U.K. 
    • So you think not pay until DN then pay something to the oc to delay selling to dcas?    then go from there? 
    • think about it, if you don't pay the full amount, what more can they do , default you  they've already registered a default notice by that point.  why have you got to await sale to a DCA.... for what?  
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SLC Cannot Supply The Original Agreement


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Could i get an enforcer to take my complaint against Barclaycard to court, the enforcers include local councills legal departments who are in control of weights and measures i had this confirmed recently by a local solicitor, the enforcers are stated in part 8 (EAO2).

 

under Part 8 of the Enterprise Act 2002 (EA02). This gives certain enforcers power to seek court orders against businesses that infringe, or in certain circumstances are likely to infringe, specified legal obligations to consumers, where this harms or would harm the collective interests of consumers.

 

 

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

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Could i get an enforcer to take my complaint against Barclaycard to court, the enforcers include local councills legal departments who are in control of weights and measures i had this confirmed recently by a local solicitor, the enforcers are stated in part 8 (EAO2).

 

 

under Part 8 of the Enterprise Act 2002 (EA02). This gives certain enforcers power to seek court orders against businesses that infringe, or in certain circumstances are likely to infringe, specified legal obligations to consumers, where this harms or would harm the collective interests of consumers.

 

 

 

I'm trying ot get TS as the local weights and measures officers to take mine up against Barclaycard as well Paul. In the meantime I have told them its obvious there isnt a properly executed credit agreement and to go whistle :)

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

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Just a quick addition.

 

My local TS are taking enforcement action against Sainsbury's Bank for CCA breachs (s78), Administration of Justice Act offences and have forwarded information to offcom to investigate breachs of the Communications Act.

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I'm trying ot get TS as the local weights and measures officers to take mine up against Barclaycard as well Paul. In the meantime I have told them its obvious there isnt a properly executed credit agreement and to go whistle :)

 

 

I'm at the same stage tamadus, Barclaycard keep ringing threatening to default me, how can they default me when they're in default?

 

Keep up the good work.

 

Paul

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Just a quick addition.

 

My local TS are taking enforcement action against Sainsbury's Bank for CCA breachs (s78), Administration of Justice Act offences and have forwarded information to offcom to investigate breachs of the Communications Act.

 

Rosie that's excellent news, I think we can believe the consumer revolution has arrived when the statutory authorities start taking action on our behalf. Now if we could only get the OFT off it's backside :D

 

Paul I have received 2 letters now from Barclaycards favourite pet DCA, Mercers, issuing default notices and that same question keeps coming into my head. How can you issue a default against me for an unenforceable debt when your not only in default but have commited at least 3 criminal offences? Personally I hope they do register a default because thats yet another offence they are going to have to face when the piper starts playing their tune.

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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Rosie that's excellent news, I think we can believe the consumer revolution has arrived when the statutory authorities start taking action on our behalf. Now if we could only get the OFT off it's backside :D

 

Paul I have received 2 letters now from Barclaycards favourite pet DCA, Mercers, issuing default notices and that same question keeps coming into my head. How can you issue a default against me for an unenforceable debt when your not only in default but have commited at least 3 criminal offences? Personally I hope they do register a default because thats yet another offence they are going to have to face when the piper starts playing their tune.

 

When in default an agreement cannot be enforced, so in theory no charges can be aplied, and no interest, a default is defined has a failure to meet an obligation but if the agreement isn't in force their is no obligation.

 

Untill Barclaycard produce the agreement they can whistle.

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Rosie that's excellent news, I think we can believe the consumer revolution has arrived when the statutory authorities start taking action on our behalf. Now if we could only get the OFT off it's backside :grin:

 

Indeed Tam,

 

When I spoke to TS about the Sainsbury's affair they were dubious about the OFT taking any action re licensing - asking me to get in touch with them personally. Odd that the Link/MBNA situation had them running to the OFT.

 

Of course, with companies of the size of HBOS the economic impact would make revoking a credit license a non-starter, wouldn't it? What other action, save a warning could the OFT take?

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Hey jon

I know what a summarry judjment is for others reding this the definition is "Judgment obtained by a plaintiff where there is no defence to the case or the defence contains no valid grounds ".

 

But That was not my question the definition of civil law is

 

"Civil Law is the section of the law that deals with disputes between individuals or organisations. For example, a car crash victim claims damages against the driver for loss or injury sustained in an accident, or one company sues another over a trade dispute.

Unlike criminal offences, the Crown Prosecution Service (CPS) doesn't prosecute a civil offence. Rather than any sentence, custodial or otherwise, the end result is usually financial compensation.

Civil Law has developed in a similar way to the way criminal law has, through a mixture of Statutory Law made by governments, and 'precedent' which is created by earlier cases.

Theref ore my question remains what is the prceedure for ensuting criminal prossecution for none compliance with secton77.

Best regards

Peter

.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

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People have and will continue to be sent to prison due to criminal breach of sections 77 and 78.

 

If a company/creditor comits a legal offence by not conforming witha section 77 how do report it.

 

would you have to make a seperate complaint to the police CPR as i don't believe the civil courts have the powers to rule on a criminal act. My knowledge in this area is very sketchy so i would appretiate any advice.

 

Ok I am a little confused... Can someone please clarify ?

 

The wording of the CCA, only states an offence. I always thought that this would be a civil offence.

 

--- ASK CEDRIC ---

http://www.rsc.org/images/2_Difference_tcm18-17644.pdf

 

But I could be wrong

Remember if you find anything I say helpful, please click the scales

 

 

tbern123 vs Cabot

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  2. Litigation - tbern123 V Cabot Financial (Uk) Limited
  3. No more calls from Cabot... lol

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Ok I am a little confused... Can someone please clarify ?

 

The wording of the CCA, only states an offence. I always thought that this would be a civil offence.

 

--- ASK CEDRIC ---

http://www.rsc.org/images/2_Difference_tcm18-17644.pdf

 

But I could be wrong

 

Apparently it's a level 4 offence and carries a £2500 fine and/or imprisonment. As far as I know the imprisonment element makes it a criminal offence which civil offences dont usually carry.

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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Thanks for that.

 

That is what I like about this site, you learn something new everyday.. I will have to bring this up in my next Cabot email :)

Remember if you find anything I say helpful, please click the scales

 

 

tbern123 vs Cabot

  1. Cabot again !!! Urgent Help Needed
  2. Litigation - tbern123 V Cabot Financial (Uk) Limited
  3. No more calls from Cabot... lol

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Thanks for that.

 

That is what I like about this site, you learn something new everyday.. I will have to bring this up in my next Cabot email :)

 

LMAO you must love Cabot by now ;)

 

I think any offence that breaches an act of Parliament is considered a criminal offence even if it's prosecuted by an authority like Trading Standards.

 

Civel offences exist between individuals and companies where the offence is not covered by statute. But I could of course be totally wrong :)

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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Good Point

 

the question I am asking is section 193 lists Custodial and finantial fines to be imposed on breaches of the act but as per the HMO website" Unlike criminal offences, the Crown Prosecution Service (CPS) doesn't prosecute a civil offence. Rather than any sentence, custodial or otherwise, the end result is usually financial compensation" so does this mean that the action would be classed as a criminal or civil one?and if the latterso would a civil court be able to impose it.]

I don't know i mearly ask the question.

Regards

Peter.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Thanks T

We can alway depend on you to give a straight forward answer.

So if the case was brought as part of a civil action in a county court whilst the judge could rule that an offence had taken place.In order to get a criminal conviction it would have to go to a magistrates court.

Peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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There is no such thing as a civil 'offence' that's why many councils are finding their parking tickets are unenforcable because they refer to 'offence' or 'penalty' or 'fine'

 

Agreed Jon there is no such thing as a civil offence. civil cases are usually brought to settle a disputebut the word offence has a nice ring to it and people like to see it :)

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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Thanks T

We can alway depend on you to give a straight forward answer.

So if the case was brought as part of a civil action in a county court whilst the judge could rule that an offence had taken place.In order to get a criminal conviction it would have to go to a magistrates court.

 

Peter

 

I dont think that would be neccessary Peter as I am sure a county court is higher in the chain than a magistates court. I suspect (and common sense should back it up) that if in a civil court a criminal offence becomes apparent and no defence is offered then the District Judge can summarily deal with it.

 

Hence the Judge threatening to jail the data controller if he had their name shortly before xmas. Had the claimant been able to supply the name then the data controller for RBOS would have had a bleak xmas.

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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I dont think that would be neccessary Peter as I am sure a county court is higher in the chain than a magistates court

 

Not a question of higher up the chain but on a different chain. One civil one criminal.

 

I was under the impression that civil and criminal prcedure were seperate aspects of the law and a civil court could not enforce a criminal action. Is this incorect?

Peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

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http://www.leeds.ac.uk/law/hamlyn/courtsys.jpg

 

 

I tried to copy this onto the post but then i noticed it was copyrighted so i did a link instead .I think it shows the different paths of civil and criminal prceedure.

Cheers peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Hi, have just been reading the latest posts on this thread about powers of county court re: criminal offences.

 

On the link you have copied Peter it looks as though the High Court is the next level for both magistrates court (criminal) and county court (civil) cases so perhaps a claim which includes elements of criminal offences committed by creditors/DCA's would have to be started at High Court level.

 

Regards, Pam

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Anyone seeing this who wants to help by copying it to their signature please do.

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Sorry for hijacking this brilliant:D thread again but have a quick question ................

Doe's the 'true copy of a signed agreement' have to be signed by both party's ???:|

As the 'Office Use Only' box on my Credit agreement sent to me is empty ???:eek:

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Addabet, this is covered on this thread many many times!!

 

To satisfy your request under secs 77-79 of the CCA they can send you a copy of your agreement omitting certain information like the sig boxes, so long as it is a true copy of your original agreement.

 

However, although they have satisfied the request, I would be inclined to write to them asking to see the full agreement, because if they do have it then I can't see any reason for them to send you one with the boxes omitted.

 

Hope this helps! :)

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If they fail to supply the docs after 12 working days then they are defualt and they are not allowed to enforce the agreement until it is shown to you. (ie you can stop payments).

 

If they still fail to supply it one calendar month after the 12 days, then they have commited an offence and the agreement can only be enforced with a court order.

 

If they produce docs after the 12 days but before the calendar month then the agreement is enforcable.

 

It is important to know that the debt still exists, but they cannot come after you for it until they get a court order!

 

As for proving it....hmmm.....not too sure, although they would have probably noted on their systems that it was sent, so a S.A.R - (Subject Access Request) might be a good start.

 

I always keep the envelopes for things like that! :D

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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