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    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
    • To which official body does one make a formal complaint about a LPA fixed charge receiver? Does one make a complaint first to the company employing the appointed individuals?    Or can one complain immediately to an official body, such as nara?    I've tried researching but there doesn't seem a very clear route on how to legally hold them to account for wrongful behaviour.  It seems frustratingly complicated because they are considered to be officers of the court and held in high esteem - and the borrower is deemed liable for their actions.  Yet what does the borrower do when disclosure shows clear evidence of wrong-doing? Does anyone have any pointers please?
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Bill Of Sales and repossession of goods - NOTE: much of this is now out of date - dx 2016


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Hi There

 

Ive read all the posts under this thread with great interest!

 

I have a car on finance, secured on a bill of sale. Its not with LBL its with TFC. I was convinced that the BOS and CCA were innacurate but after sending the papers to my local CAB, they returned them as ok.

With all due respect, im not sure the lady at CAB knew quite what she was looking for so ive since been trying to find out info on what seems to be an incredibly complicated issue.

My BOS is signed by the man who sold me the car and organised the loan and weirdly enough also has my signature, even though i didnt sign it on the day! The documents are registered on 28th and the car was purchased on 21st, so im not sure how that works in terms of the 7 day rule? Is it 7 clear days or does it include the day you made the purchase? There are also some inconsistencies in the figures.

 

After reading all the information on this thread, its still not clear, what happens if the BOS is void? Are you still liable for the remaining debt? And which bit of the debt, the cost of the car or the overall finance arrangement? If the BOS is void, does that mean they cant take your car and if so, can you sell the car to pay off any outstanding arrears with TFC?

 

Sorry if im going over old ground, but im still a bit confused!

 

Thanks

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The information in this thread is excellent.

 

I am currently trying to help a relative who had a fixed sum loan agreement (secured by a Bill of Sale) for a car. After having paid well over £4,000 off a £6,000 agreement she got into difficulties and the vehicle was "re-possessed"... (She had agreed to, and had been maintaining higher payments for the last six months, and the total loan would have been cleared by Feb next year.)

 

The vehicle was sold at auction ("as is" and without documents - V5C etc) and raised less than £800

 

I have helped her in gaining a copy of the Bill of Sale, and it would appear (judging by the advice in this thread) that the Bill of Sale is void and invalid - (dated 20 days after the original agreement, and NOT in the proper form) - so what should she do now? Should she take the finance company to court for an un-lawful re-possession and seek damages? If so, what should she claim? The realistic value of the vehicle that was "unlawfully" seized, or everything she had paid on the account to date?

 

Any help or advice greatly appreciated.

 

 

Cheers

Lefty

If the left side of the brain controls your right, and the right side controls your left, then left-handed people are always in their right mind!

 

Please help to support this site with a small donation... every little helps...

 

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How was the vehicle reposessed

 

in the street

on her drive

 

did she hand over the keys

 

Hi - thanks for replying.

 

Vehicle was repossessed from her private drive. She was in the house at the time. Nobody knocked or made themselves known to her. She only realised the car had gone a couple of hours later. (just a note pushed through the door)

 

She had, of course, received a default order some time earlier, but had been trying hard to make extra payments.

 

Cheers

Lefty

If the left side of the brain controls your right, and the right side controls your left, then left-handed people are always in their right mind!

 

Please help to support this site with a small donation... every little helps...

 

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And how long ago was it repo

 

taken (repossessed) two weeks ago. Sold at Auction 1 week ago

 

 

Cheers

Lefty

If the left side of the brain controls your right, and the right side controls your left, then left-handed people are always in their right mind!

 

Please help to support this site with a small donation... every little helps...

 

CAG- The Nation's Weekly Info Store!

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Well its def unlawful recession of contract you are entited to annother car

same age and milage or cash allternartive

 

all payments made with 8 %

 

and termination of all responsabilities as to the agreement

 

are we talking the funding co as the finance company

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Well its def unlawful recession of contract you are entited to annother car

same age and milage or cash allternartive

 

all payments made with 8 %

 

and termination of all responsabilities as to the agreement

 

are we talking the funding co as the finance company

 

Yep - funding co is finance company. Used car dealer who specialises in car credit for "people who can't get car credit" - the car dealer exclusively uses just one local finance company. All one and the same, I suspect.

 

So, as it was NOT a hire purchase agreement (the workings of which I am pretty well clued up on - I mainly over-see the BrightHouse and rent to own HP forum here at CAG) and WAS a fixed sum loan agreement (with a BILL OF SALE as security - essentially a CONDITIONAL Bill of Sale) AND, as it most certainly appears, the Bill of Sale is VOID - does that now mean the repossession was well and truly unlawful? If the Bill of Sale WAS valid (which it wasn't) then the repossession on her private property WOULD have been lawful?

 

In essence, then, what you are suggesting is that the finance company is now LIABLE for the value of the car (at the time of repossession) but NOT (as would be the case in a Hire Purchase agreement) a full return of ALL monies paid on the account?

 

Really appreciate your help

 

 

Cheers

Lefty

If the left side of the brain controls your right, and the right side controls your left, then left-handed people are always in their right mind!

 

Please help to support this site with a small donation... every little helps...

 

CAG- The Nation's Weekly Info Store!

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The finance agreement has now been terminated through unlawful recession of contract

 

you are entitled to a car of same age and milage all free from the finance co or cash allternative

 

all repayments made with 8 %

 

the law is quite specific on this

 

ive done four claims myself on just this matter and won all of them

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The finance agreement has now been terminated through unlawful recession of contract

 

you are entitled to a car of same age and milage all free from the finance co or cash allternative

 

all repayments made with 8 %

 

the law is quite specific on this

 

ive done four claims myself on just this matter and won all of them

 

Excellent! Thanks again...

 

 

Cheers

Lefty

If the left side of the brain controls your right, and the right side controls your left, then left-handed people are always in their right mind!

 

Please help to support this site with a small donation... every little helps...

 

CAG- The Nation's Weekly Info Store!

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If you need help composing a letter give me a bell

 

you need to send the fiunding co a letter of dispute and give them eight weeks to comply or court action will start

 

two of my victories were against tfc

the other two was welcome

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If you need help composing a letter give me a bell

 

you need to send the fiunding co a letter of dispute and give them eight weeks to comply or court action will start

 

two of my victories were against tfc

the other two was welcome

 

Again, I really appreciate your help, and your hard earnt knowledge on these matters... AND I see EXACTLY the point you make... but...

 

...SURELY much of her case MUST rest on the fact that the security (the Bill of Sale) is null and void? Had the Bill of Sale been enforceable (again, which it was not) then the finance company DID have permission from a court to repossess from private land? (This permission would have been embedded in the Bill of Sale by virtue of it being registered and stamped by the Royal Court of Justice?)

 

I just want to be completely accurate and sure with the advice I give.

 

Cheers

Lefty

If the left side of the brain controls your right, and the right side controls your left, then left-handed people are always in their right mind!

 

Please help to support this site with a small donation... every little helps...

 

CAG- The Nation's Weekly Info Store!

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Even with a bill of sale the finance co would need an order from the court to reposess from private land

 

remember

 

a credit agreement with all the rights runs along side the bill of sale

 

a bill of sale does not give cart blanch to the creditor

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If we are talking of a vehicle on the public highway

 

then thats a different matter

 

Nope. Definitely a private drive. Off road and on private property. Furthermore, the property is privately rented, so - technically - the vehicle was taken from a 3rd party's private property..! (The address of the property is the home of the debtor though - and the vehicle was correctly registered at that address, as was the paperwork for the fixed sum loan agreement.)

 

Again, really appreciated!

 

 

Cheers

Lefty

If the left side of the brain controls your right, and the right side controls your left, then left-handed people are always in their right mind!

 

Please help to support this site with a small donation... every little helps...

 

CAG- The Nation's Weekly Info Store!

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taken (repossessed) two weeks ago. Sold at Auction 1 week ago

 

 

Cheers

Lefty

 

 

Hi lefty. i would like to look over the bill of sale .

the CA repossession does not cover a bill of sale. if the car belongs to the loan owner and was at the address of which was stated on the bill of sale then they would not need a court order to remove the car. this is term 8 of the bill of sale.

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  • 2 months later...
Going back to obtaining a copy of the BOS, who would you need to make the payment out to? Royal Courts of Justice?

 

Hi Lefty

 

Yes, make your cheque payable to either the Royal Courts of Justice or the name you state above. Trust me they will cash it.

 

Further; I agree with you.... If you can get a declaration that the bill of sale is void.... Then whether they took the car from a private drive or a public highway; it would have been unlawful.

 

If you have all the details pertaining to the bill of sale; namely the name of the lender, the borrower and respective addresses alongwith the account number, the cost should be £5..., it may be more now, but call them to confirm ; )

 

Apple ; )

[COLOR="red"][B][CENTER]"Errors do not cease to be errors simply because they’re ratified into law.” [/CENTER][/B][/COLOR][B][CENTER] E.A. Bucchianeri[/CENTER][/B]

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  • 6 months later...

Hi everyone,

 

Looking for some plain, simple, easy to understand advice please?

 

I have/had a loan with Mobile Money (Bristol Office) which I took out in March 11. I do realise how stupid this was with hindsight. I immediately fell into difficulties due to family bereavements, extended hospital stays, etc, and as a result, did not make any payments on the loan.

 

On Friday 29th July, 2 men turned up to collect the car. They had a tow truck. I had been in touch with MM (by letter) asking for time to get caught up and proposing a payment scheme that would eventually get me back on track. I was awaiting a response. To cut a long story short, they left with the car (one of them drove it away - it wasn't taken on the truck). The person I had communicated with previously was on holiday, but spoke with the area manager, who advised me he would look at it monday 1st August, as he had left the office for the weekend. He did confirm verbally that the car would not be auctioned until the 15th Aug, and that full settlement would prevent this. He also promised me he would email confirmation of that when he got home, but nothing to date received (and he will not answer his phone to me).

 

Before anyone points out that I am an idiot and perhaps get what I deserve for defaulting on my payments, then let me just say that I know, and if there is nothing I can do then so be it. I will take it on the chin.

 

If however there is anything I can do, then I would be very grateful for any constructive advice given. A few points that may be noteworthy are:

 

 

  • I asked the 'bailiff' from LT Holdings to see his SIA ID - he told me he did not need one (his ID was actually pathetic. I could create a more professional looking one on my laptop and home printer. No phone number, no ID number, just photo, his name, company name. Nothing else!) He also has no uniform (mucky jeans and t-shirt)
  • As they were leaving they gave me a letter from MM titled 'Repossession Instruction & Authority'. At the bottom of this it says 'Enclosed: Bill of Sale, Copy Credit Agreement, Copy Default notice (Not to be left with third parties)' - None of these were enclosed, and I do not consider myself to be a third party.
  • Some of my personal possessions were/are in the car. Most notably my sat nav, which I got one of the guys to add to the Vehicle Receipt.
  • At the time of signing the documents and taking out the loan, there were only 2 people present - The rep who dealt with me, and the branch manager. With regards to what (I think) I read about the BoS, surely if the manager is a witness, he is not a proper one as he has a vested interest?

Having spent a few hours trawling through the 15 pages here, I am not much wiser sadly, as what I really need is step by step instructions laid out in layman's terms. I am not too good with technical language sadly...

 

Many thanks for any advice that anyone may have for me. :wink:

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Oh yes - one more additional point. The car is essential to my job, and I have had to hand in my notice as a result (I have no alternative transport available). This was pointed out to the area manager, as well as the 'bailiffs', but totally disregarded.

 

It may not have any bearing, but I wanted you all to have as full a picture as possible.

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I have just read the above information, I have just had my car taken by balifs. They removed the car under a log book loan from the previous owner who is a friend. I new nothing about about the LBL untill the balif turned up in January this year to reposse the car. The car was at the time in a garage having a new engine new clutch and MOT. All of which I paid for. The car was then given to me because the promise of payment from my friend fell through just after I paid for the engine by credit card on the 8th January this year. This was to cover the money used for the repair due to the fact that I had paid for all the repairs to the said vehical.ey I paid to put the car back in working order. i contacted the LBL and told them that the car was mine because the person that had the loan couldnt pay me the money I had used to pay all the garage bills. I kept calling but nothing happened. My friend had not recieved any kind of paper work telling him of their intentions to remove the car. Untill they came this week.

After reading other posts I have taken a closer look at the bill of sale

I have fouind several opoints that would void the bill of sale. Can any one pease confirm this for me

There was only two signiture on the bill of sale the agent for the lender and my friend the borrower. Its states that the witness has to be independant of names listed on the bill

I would also like the bill of sale that was used to enforce the removal of goods to be cheaked because I really dont no what to look for would anyone be able to do this

 

i doubt they were bailiffs but repro guys claiming to be such

 

if the vehicle was on private property then they had no legal right to take it.

 

baliffs only come after its been to court,

 

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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  • 3 weeks later...

quick question

 

the prohibition on signing a bill of sale is say against the person giving the finance

 

can an employee of a party be a proper witness to signing of a bill of sale

 

in other words

 

does the witness to signing of the bill of sale need to be totally indapendant of the finance granter, including employees

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