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The OFT has 90 days to respond to the complaint. In fact I think this discussion may be approaching a new and better level or at least it is for me anyway. I apologize for the nasty "tourettes trackback" episode. What if I'm late in repaying and the Credit Provider threatens legal action. With more and more lending institutions rolling up their sleeves on how much they will lend based on your credit history, now is the time to take a look at the options you have. Some of the actions taken by these parties are criminal, and we should be pursuing prosecution for various types of fraud.
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