I received leather sofa from Sofology, financed with an Int. free loan from Barclays (Partner Finance) Hours after delivery, it became obvious that the sofa had manufacturing faults (different cushion front panel heights, and inadequate partly filled cushions to the seating area. Raised a complaint (!) and provided photo/video evidence....asked for correction or collection! Initially fobbed off, told there was nothing wrong. Persisted, and 3 weeks later, I appear to be dealing with a senior colleague, instead of the 11 or so 'Tom, Dick and Harriets' that I had encountered in a sequence of email/call centre 'one-off' contacts. I have informed Sofology that I wish to return the sofa, due to it's failings, and also that it fails to match the quality of the original in-store sofa observed at time of ordering. Q- Might this form a 'breach of contract'? I'm not a legal person and don't want the 'Perry Mason' in me to get completely carried away! FWIW I have complained to Barclays, and they have started a Sect 75 complaint....but I've no idea where that might go. However....after essentially ignoring me for over a fortnight....Sofology have perked up a bit when Barclays presented the complaint. Position I'm now in is: Either.....allow Homserve rep. (supposedly independent....really?) to visit, assess and provide an 'honest' report. Sofolgy's subsequent action, in terms of the 'refund' (to Barclays) and to end the finance agreement will depend on this 'report' OR....as the defects/faults are considered 'un'confirmed, (in spite of Video evidence) they will take back the Sofa, and charge me a 30% (£300+) cancellation fee. Is it correct to consider this as a cancellation.....the item is defective??! Haven't encountered this idea of being charged in order to return a defective item......is that legal? Would appreciate any help from members

just had a letter from my current Gas/Electricity suppliers EBICO, saying that because Government will introduce a price cap on variable/default tariffs from end of 2018, that my current ZERO tariff (no standing charge) will come to an end. This will mean for my supply, that I will see an increase of about £100 a year. EBICO say that because of the Goverment price cap, the current tariff they provide to me, will become commercially unsustainable. I have done a few calculations and if I switch suppliers, I can limit the increase to about £50 a year, moving to a supplier that does not charge for cancelling early. In the Spring of 2019, I can then look again and see if it is worth switching again. Thought I would post this, as from memory there are a number of people who post on CAG that were with EBICO. Also going into Winter, with many suppliers currently changing tariffs, it may be worth people shopping around to see if they can save money.

Hello all. Been a while. Had the letter from Apex to say they have "purchased (my) account with all rights ...". Included in the envelope was a bw letter supposed to be from Egg saying it was "notice of the assignment of the debt due to us ..." First thing should I start this thread here as I live in Scotland - or start one on another of the more general debt or DCA forums? Other thing is just to start by saying I'd an Egg Loan and an Egg credit card. CCAs sent for both well over a year ago. Got nothing for ages then two copies of a muliple page computer printout relating to the loan. There's a signature but everying is on separate pages. It also arrived well after the deadline. I have pointed out that the accounts are IN DISPUTE in all communication since. I have been making small monthly voluntary payments via standing order (in the interests of goodwill). Settled with all other creditors apart from Egg and one other for amounts between 40% and 70%. That money is now all gone - I warned Egg that would be the case. My goodwill is now gone with this Apex nonsense. (1) Thread in the Scotland forum or...? (2) Account passed to Apex (so they claim) but was IN DISPUTE. Should I aim to get it back to Egg but pointing out it can't be sold while IN DISPUTE - or get Egg to confirm that's what they've done then stop all apayments (both Egg accounts card and loan) and CCA Apex and see what happens? Many thanks in advice for any help/advice. This place is great, really great.

Tests show billions of people globally are drinking water contaminated by plastic particles, with 83% of samples found to be polluted https://www.theguardian.com/environment/2017/sep/06/plastic-fibres-found-tap-water-around-world-study-reveals "The US had the highest contamination rate, at 94%, with plastic fibres found in tap water sampled at sites including Congress buildings, the US Environmental Protection Agency’s headquarters, and Trump Tower in New York. Lebanon and India had the next highest rates." "European nations including the UK, Germany and France had the lowest contamination rate, but this was still 72%." and this report is on TAP water - dont forget the fish and beaches. "the results of a study by Plymouth University caused a stir when it was reported that plastic was found in a third of UK-caught fish, including cod, haddock, mackerel and shellfish." https://www1.plymouth.ac.uk/research/mberc/Research/Marine%20pollution/Pages/Plastics.aspxhttps://www.theguardian.com/lifeandstyle/2017/feb/14/sea-to-plate-plastic-got-into-fish "The most common plastic types were Polyethylene terephtalate (PET) comprising 20% of the samples followed by Nylon 6% and Acrylic 5%. "

READ MORE HERE: https://www.gov.uk/government/news/armistice-day-marked-by-services-around-the-world

Please if you could help me in getting my money from funkyclock [problem]: 28 Oct VIS FR FUNKYCLOC.CO LONDON 75.97 28 Sep VIS FR FUNKYCLOC.CO LONDON 76.06 after 3 day trial period which they took which is not mentioned clearly. I want my money back. Please let me know how to go about getting my money 152.03 GBP back.

Hi folks, hopefully someone can help. Bought and moved into a house a couple of months ago, it is an end terrace house. The front door of the house is on the side and opens into a shared driveway. The legal set up of this driveway is I believe like this: I own a 1/3 share of and have right of way across it both on foot and by car to access a gate to my private driveway at the back left of this shared driveway, and then to the road. The other 1/3 of the shared driveway is owned by the landlord of a block of around 10 flats accessed via a pedestrian gate towards the back right of the shared driveway, and the other 1/3 is owned by the owner of a massive warehouse further back and the access to which is through a closed gate which spans the whole width of the back of this shared driveway but which I have never seen used during the time I've been here. I don't have a car so I'm not bothered about not being able to access the large gate to my private driveway. My issue is that various people are parking on the shared driveway (they do not live at the flats, they are just parking to see somone who works in the shops nearby) , and sometimes this means that when I open my front door there is a car less than 2 feet in front of it. This makes it tricky to go from my front door to the street or back, especially with shopping etc. I'm aware of certain things in the highway code that say you shouldn't do something like this, but I know this isn't law. Is there anything I can do to make the problem go away? If I call the police or council would they be able to do anything / tow the offending car away? If it has any bearing, at the front of shared driveway where it meets the road is a double yellow line and on the outside of that is a single white line. Any help appreciated, thanks!

Been dealing with a few folk who have had door step visits from MoorCrap recently. all the debts are pretty hefty amounts, ie over £3000.

I bought a couple of football shirts from Amazon, they were pretty cheap at £14.99 but I thought it must be right its Amazon right! I ordered and received a order confirmation stating the item was not in stock but would be dispatched as soon as they had more stock. I got an email a few days later stating that an error had been made with the pricing and that the items ordered would be cancelled, they went on to say as a gesture they would honour the price of one item and cancel the other. So I thought well at least I get one, since I bought these shirts for my boys I thought I'll go into town and pick one up from another reputable store so my boys are not fighting over who gets the shirt, this cost me £44. Yesterday I got an email saying and I quote "Our supplier has informed us that this item is no longer available. This item has now been cancelled from your order ". So now I am £44 down and I'm going to have to pay a further £44 to get the shirt for my other son. Is there anything I can do here, the item was a third away kit could I not request they supply a another shirt from the same team??

Hi Guys and Gals Last year, I hit my creditors with CCA letters and all failed to comply, so I stopped payments to all of them as advised here. today I received a call from another DCA about one of the debts, didn't catch the company name, asking me if I had received their letter about a 10 year old Egg debt. I haven't had one, so just said that I didn't know what he was talking about. My question is, once the letter turns up, do I go through the same CCA process again with these guys? Also, will this go on forever too, changing DCA's and me having to go through the same process until the debt becomes SB or they manage to dig out the credit agreement? One last thing, somehow, they got my phone number at a new address that is ex directory and only a handful of friends and family has?! I asked the guy not to call me again and just write, my creditors have my family address and I go back there every week to collect post. I'm a bit concerned that if they have the number, it will be possible to get the address too. Thanks for your help. Andy

Morning all, Now while I am technically competent I find myself with an issue I am not sure about. I bought a Pomp W89 quad core mobile from a seller on Ebay. It is a Chinese knock off and looks good. This is the phone and the seller in question. http://www.ebay.co.uk/itm/Dual-Sim-Camera-Cell-POMP-W89-4-7-Quad-Core-WiFi-Smartphone-Android-4-2-Mobile-/380786054168?pt=UK_Mobile_Phones&hash=item58a89e1418 My issue is, the GPS does not work! After I contacted the seller he (I assume) replied with this I had already done this so I replied saying it still wasn't working so today I got this. Now, it is my understanding that when outside, the GPS chip should work without having GPRS switched on. GPRS is an additional factor to ensure quicker location. If I left data roaming on, this would cost me once my PAYG payment expires. Are they trying to fob me off?

I ordered 3 items on Sunday 27th November, leaving plenty of time for the Saturday or Sunday 3rd November that I need the items (Items were Hard drive, PC case and RAM). The next day I received an email saying one item isn't in stock and I remembered that I forgot to add one item to the order (WD HDD). I phoned up and the item was added on. I emailed again on Wednesday 30th when I checked that it had not been processed yet and was told the RAM (missing item) will arrive with with them on the 31st (today). I checked again today and apparently the item is now due to be in stock on the 9th Nov (even though I was told it'll be delivered to them and sent to me today). Each member of staff is giving me conflicting dates. I desperately required the items on Saturday 2nd or Sunday 3rd November. I am a student studying in Portsmouth and am going back to London for the weekend in order to build a computer for a single mother who is a close family friend. They are currently relying on me, and ultimately them to deliver by then. I asked them to send the other two items but I was told to cancel and redo the order. In the end I have ordered the HDD and case separately and requested next day delivery. I ordered the items in a timely fashion. Their website, then as well as now, clearly states the item is in stock, which was one of the reasons I ordered from them. If I knew, I wouldn't have ordered! Now what I want, is to claim back the next day delivery I paid for because of their incompetence. I have got all relevant conversations via email and screenshots of the item in question which still shows as in stock (goo[dot]gl/5ZTlPr). I didn't order a few days ago, but on Sunday (factoring in the weekend, monday), leaving plenty of time; I had to contact them repeatedly just to get information from them. Is there any legal grounds here in my favor? EDIT: Got a phone call an hour later from the manager. Explained the situation again and she agreed to refund me the one day delivery charge I incurred. Wasn't very hopeful tbh cause of what I've heard from Dabs before, but I'm happy for the result.

Further to this . I am now been given the run around by Zurich. They state the other party is disputing this & 3 weeks ago requested a diagram. As I pointed out if they haven't sent back the request may well indicate their true position. However they claim not to be able to do anything until they receive this. So I posed the question what if they do not receive this. No answer. Another point is that whilst I am fully comp; my excess is £450 I am not in a position to pay/ don't want to; I have a feeling my insurance premium will go up and continue for next 5 years. Has anyone tried to put in a claim for additional future increase in payments when this is a no fault accident? Also any advice on how to expedite matters with Zurich. I have already suggested I am considering a Claims Management Company! original post below Any general advice please. I was involved in an accident whilst coming towards a Keep Clear Box. The road had filtered into 2 lanes and as I arrived at the KCB a 7.5 truck was on the inside lane. I noticed a vehicle suddenly pulling out from a Ford garage and the driver looking left then suddenly pulled out turning right and straight into my offside. He claims that I was in the KCB . He was potentially obscured by the truck but should have shown more caution . My point is I was not in the box and though he claimed I was this meant that I would have had to be hit then decide to reverse backwards with traffic behind me. What I would like to know is even if I was in the box moving forward or stationary am I at all culpable? Without the box he has pulled out of a side entrance and hit my car on the main road. The fact that 2 of his colleagues said they saw me in the KCB when they work in the garage 50 metres away makes little odds to me. Also the garage manager refused to give me the drivers details ; stating that " all my insurance company want to know is that he was a Ford technician". I have asked the Ford Dept to verify if a police report was filed within 24 hours as I did not receive the details. Any views thanks. Also just received a response from Ford Unfortunately I cannot comment on the circumstances as we do not yet have the completed accident report form for our driver. I can advise that the drivers name has been given as J>*** *******r. We are not obliged to give his personal address, as he was an employee driving in the course of his duties the business address is sufficient. All correspondence should be directed to the address below. As I understand it, the vehicle belongs to a customer and therefore once again I cannot give you their personal details. The insurance company is *******. However they will not be aware of the accident until we receive the form and forward it to them. Now I do not have the driver details but they are refusing to give owner details. No mention of police report also.

In 2002 I took out a loan with Lombard direct. This was over a period of 5 years and included PPI, which I am now trying to claim back as mis-sold. However I defaulted on repayments when I lost my job and eventually this was passed to a collection agency. I have been paying Intrum Justitia every month for several years and in February this year I had a letter offering a settlement figure, which was far too high and I couldn't afford it. I then decided to ask for a copy of my credit agreement and sent the letter as advised on this forum. this was on 1st March. They replied on 11th March to the effet that they would contact their clients and hold the matter in abeyance until they had further instructions. On 17th March Lombard sent a letter to me asking me to confirm my address and signature as I hadn't signed the request for a copy of my credit agreement. I did not reply. On 23rd March I had a letter from Arden Credit Management referring to a letter I had supposedly had from Lombard dated 8th March. (I never received this letter). the letter from Arden advised me that they were now taking over the account and asking me to fill in a form with personal and financial details. I did not fill in the form but sent a letter advising them that the account was currently in dispute with Intrum Justicia. On 1st april I received a letter from Lombard was was basically a Notice of Sums in Arrears provided in compliance with the Consumer Credit Act. they provided a telephone number for me to call. I haven't called and don't intend to. So now I'm not sure what to do next. Do I just ignore this latest statement from Lombard. I still feel that the request for a copy of my credit agreement has not been fulfilled. Any help or guidance would be most appreciated.

Document Source: https://www.gov.uk/government/consultations/consultation-on-the-pip-assessment-moving-around-activity Consultation on the PIP assessment Moving around activity This Consultation closes on: 5th August 2013 From April 2013 Disability Living Allowance (DLA) began to be replaced for new claimants with a new benefit, Personal Independence Payment (PIP). Like DLA, PIP is intended to provide a contribution to the extra costs faced by people with disabilities and long-term health conditions. Whether individuals receive the benefit, and how much they receive, will be determined by an assessment of their needs. The PIP assessment has been designed to ensure that support is targeted at those individuals who face the greatest barriers to independent living. The criteria used in the assessment were developed in liaison with a group of independent experts in health, disability and social care and with extensive engagement with disabled people and their organisations. We have already carried out 2 consultations on the first two drafts of the assessment criteria, in 2011 and 2012. We have received feedback from some disabled people and their organisations saying that they are unhappy with the changes that have been made to the assessment criteria for the Moving around activity as a result of a previous consultation and want a further opportunity to have their views considered. We have therefore decided to carry out an additional consultation, seeking further views on the Moving around activity.

Document Source: https://www.gov.uk/government/consultations/consultation-on-the-pip-assessment-moving-around-activity Consultation on the PIP assessment Moving around activity This Consultation closes on: 5th August 2013 From April 2013 Disability Living Allowance (DLA) began to be replaced for new claimants with a new benefit, Personal Independence Payment (PIP). Like DLA, PIP is intended to provide a contribution to the extra costs faced by people with disabilities and long-term health conditions. Whether individuals receive the benefit, and how much they receive, will be determined by an assessment of their needs. The PIP assessment has been designed to ensure that support is targeted at those individuals who face the greatest barriers to independent living. The criteria used in the assessment were developed in liaison with a group of independent experts in health, disability and social care and with extensive engagement with disabled people and their organisations. We have already carried out 2 consultations on the first two drafts of the assessment criteria, in 2011 and 2012. We have received feedback from some disabled people and their organisations saying that they are unhappy with the changes that have been made to the assessment criteria for the Moving around activity as a result of a previous consultation and want a further opportunity to have their views considered. We have therefore decided to carry out an additional consultation, seeking further views on the Moving around activity.

Hi, I hope someone can help me. I have just finished my uni course (last Friday - end date on all paperwork = 8th June 2013) and went to ask about jobseekers at the local Jobcentre. (I would have gone earlier but my nan (who brought me up for the first 12 months of my life) died a couple of weeks ago and I was away from uni to see her in the Hospice and for the funeral (just got there the day before she died) The Jobcentre gave me a leaflet and said I needed to claim online. I started the claim but it kept kicking me off so after numerous tries I had no option but to leave it till the following day and try again. The following day I went down to the jobcentre and told them what had happened. I also asked which address they would advise I make my claim from because I had finished my course and had to be out of Uni accommodation in three days time, so would be back in my home town at the other end of the country when I was due to be asked to attend a local appointment. The man at the jobcentre advised me to apply from the new address – the one I am due to move into on Monday – BUT (and here’s the thing) – when I went back and tried to apply online for the THIRD time, it wouldn’t let me enter an address that I haven’t moved into yet! So I can’t claim from my Uni address because I won’t be here when the local appointment comes through and I cant claim from the new address because it won’t let me detail that as my address because I don’t take the tenancy up until Monday! I don’t know what else to do and will end up losing a weeks money and a weeks contributions as a result. Does anyone know what I can do please to avoid losing more than I have already/explaining the delay? I have also been told you have to wait until you graduate to claim JSA but the uni are saying that I should and must claim immediately as my course has officially finished last Friday... so what do I do about the address problem... I am rather hoping someone with benefits experience/a Decision maker maybe, will visit here or be on staff here and may be able to help? Can anyone advise please? Thanks in advance. Chris

OK - this is my first post on a forum, so please be gentle Even if it is a tad long winded :/ I have received 3 PCNs for being 'parked' in the same spot on 3 occasions near my daughters school - on single yellow lines with time restrictions. They arrived in the post up to 2 weeks after the alleged contraventions. All were received well after the final contravention. There are time restrictions I am now aware of, but didn't notice before due to cars always being parked there at school drop off and pick up times. I have appealed and have today received the rejection notices from the council. My grounds for appeal (A), and the council responses ® are as follows (not full wording, but you'll get the idea): A1. CCTV enforcement not necessary - plenty of space on full sized pavement areas throughout the area so perfectly safe for foot patrol. R1. Not practical for foot patrol as parents could run to cars to quickly move the vehicles in order to avoid a ticket - in doing so, this would put children in danger due to moving vehicles. A2. No signs to state CCTV used in the area (very quiet semi-rural area) to enforce parking restrictions. R2. Response basically states signs only needed for static cameras. A3. Video evidence less than 2 seconds long - therefore cannot prove the vehicle was parked - I was in the driving seat with engine running on all 3 occasions - although not visible on the video evidence. It was also not able to see the passenger side - the viseo not long enough to even see if I had a passenger alighting. R3. Stopping / waiting not permitted during restricted times, therefore, as soon as car stopped, the contravention occurred. A4. video footage shows single yellow lines, but not the signs showing restrictions in place. R4. the footage shows signs at both ends of the road the vehicle was 'parked' on (you can see there are signs there, but not what they say at all). A5. between the date of the first 'contravention', and the date the first PCN arrived in the post, I could have 'parked' on the same spot 24 times before it was brought to my attention that I shouldn't be doing. This shows the primary objective of 'prevention' clearly hasn't been met. If restrictions there to keep children safe, this effectively means they knowingly allowed the children to obe in danger for nearly 2 weeks. R5. It is drivers responsibility to ensure they are parked legally. A6. the camera car turned right onto the road where I was 'parked'. The angle of the corner from the other direction means the camera car could not pick up the registration of the car parked on that corner on 2 of the 3 occasions. Therefore, cars parked on the corner of a junction can't have received parking fines, which the driver of the camera car would be aware of. Therefore, they knowingly allow cars to park illegally with no penalty, or warning that they should not park there. R6. Other cars on those days in that area received tickets - cannot comment on which cars. A7. No statement from the issuing CEO on the PCNs R7. None necessary I guess I'm looking for reassurance that I'm not going mad!!!! Surely I have enough to win...... don't I? There response R1 should be enough I would have thought - can't see how that could stand up to scrutiny! If anyone can confirm any or all of these points, or point out why they may be invalid, I'd appreciate it. Many thanks Jo

In brief, late paying a magistrates fine. Contacted fines office got the brush off, " nothing we can do mate notice of distress issued you must deal with the bailiffs ( Philips ). Go to local court , same story you cannot go in front of a Magistrate to explain situation as Distress notice issued. Give the fines office a ring see what they can do ! So I am at the mercy of Philips, if I do not agree to their terms I am snookered. They could pluck any figure out of the air for me to pay back monthly. If I am not happy do I accept their terms ? Or what is the next course of action

Hi there, i'm not sure if this is a little off topic or not, I was wondering if anyone knew of any UK based courses on the laws around money, a degree, A level, what ever is needed. To perhaps shed a little light on my situation, I've been studying psychology for about six years now (23YO) I only learnt so that I could gain the skills to interact with and influence others around me, which seems to be working. I am about to start a PHD in hypnotherapy to help refine the skills I've gained, to go along with it. However i'm absolutely terrible with money, although my debts aren't large, I still have those annoying phone calls and threats of court proceedings. When I am on the phone to said people, I know that they are lying to me about stuff, but because I don't have a specific knowledge in the laws around money I fail to get anywhere, for instance adding on interest to a frozen account etc... I've been racking my brains searching through page after page in google, but there doesn't seem to be any courses, any help is appreciated. Thank you.

Hi all, I was told today at work my job is one of a few at risk in my office. The plan is for me to go back in a couple of days and say why I think they should keep me on, as company is cutting workforce and they feel my position cannot be justified. Reading on a couple of different website about notice periods, I have worked there only 7 months so would have guessed it is one months notice and pay they have to give me? However I am sure a couple of websites said its only a week? Can someone please help me on this? Also, they gave a company meeting, then I was called in on my own, then being called back to state my case or what ever you want to call it, I believe they have followed the correct rules? Pretty sickening when just last week they are taking clients out and spending 1k on meals Many thanks in advance Ed

Hi All I reaaally hope someone can help me. I have been living at a flat through a housing association for over 3 years now. From November 2011 until March 2012 I wasn't able to pay my full rent every single month due to some financial issues I was going through at the time. Since April 2012 things have been better for me financially so the housing association agreed on a repayment plan to clear my debt. I have not defaulted at all since then, however 2 weeks ago I received a letter shoved through my door from a company called Churchill Recovery Solutions Limited and that letter was typed on a letter head from my housing association. It said that they came on behalf of my housing association to carry out a Tenancy Audit It was even signed on behalf of (Housing association) with a photocopied signature. Beside that signature is another photo copied signature from a Field Sales Manager of Churchill Recovery Solutions. I am very confused and a bit worried because they have just shoved another letter through today. I hope someone can give some advice. xxx

My sister bought a Samsung Galaxy Ace (S5830i) from the O2 shop in my home town back in May. Just after she got it, texts and calls appeared to be failing and the network would just "drop" - we thought this was down to the sim card being faulty and got a new one sent out. After some kerfuffle with that (an unprovisioned sim being sent, approx 21 days later got a working one) the phone was doing the same. Returned to the store and phone booked in for repair - however phone did exactly the same when it was returned. On second return to store they booked it in for a replacement (refurb), however my sister then received an S5830 (notice the missing I) - this Galaxy Ace was the original model, with a slightly lower spec than the new one (S5830i)! Contacted the store and they again booked it in for replacement, however they've now turned round and said that they have no new Galaxy Ace's to replace the phone with. Any thoughts guys?

A friend of mine last year had an accident on a well known pier, through no fault of his own he slipped on a puddle on the floor and severly injured himself, anyway cutting a long story short, he was off work for 4 months and during a meeting set up by this pier he was assulted by a security officer. They then proceeded to fabricate a lie that he was rasist toward the security officer who assulted him, all whilst he was still in recovery for the accident. He was taken to court and won with all 12 Jury delivering a not guilty verdict in just 15 minutes. He has now been advised to proceed with the original accident claim, which they have rejected with no investigation and compensation for the assult and Racism case, including costs and loss of income during the period. Now this pier is owned by a well known entertainment and gambling company renownd for not playing by the rules. My friend now plans to create a campaign against this pier and their parent company, he intends on making their 4.4 million visitors aware of what may happen if they had an accident, he intends to set up a website posting factual information and inviting others to add their own stories, as hes sure hes not the only one to be assulted over the years. He intends to make compaints to Trading standards, Enviornmental health, Gambling Regulator etc... He also intends to demonstraite on public land next to the pier from the start of their busy summer period. Firstly can he do this? - hes had a stong letter from the parent companies solicitor stating that: "You must appreciate that we will not tolerate defamatory publications or attempts to unlawfully interfere with our business. We will actively monitor the internet, press and other forums and if any defamatory comments are made, we will tae steps to protect the company, to include court proceedings seeking damages, injenctive relief and costs. Please note that all rights remain reserved." Basically I want to help him with the campaign as I have a sneeky feeling this company have many skeletons in their closet that they dont want to come out, what advise can you give me for setting up this campiagn? Are their any good sites to help with this sort of thing? Any comments and replies and warmly welcomed. Thanks for reading!

This is just fantastic. Pick out any interesting location around the world and click on it. A page will come up with a photo. In the center is a circle with a triangle. Click on the triangle. Now you get a full picture. If it's not a full screen, click on the 4 dots in the lower right corner. Now with full screen, place your curser anywhere on the screen and slowly drag the picture in any direction you want. Left, right, up, down, slow or stop. Try the Egyptian Pyramids in Egypt or Moscow, Kremlin to get started. This is a one e-mail you will want to save. Enjoy. Panoramas and 3D Tours of the Most Beautiful Places Around the World! Click on the below City Names & Enjoy ! Victoria Falls, Zambia • Venezuela, Surroundings of Angel Falls, Venezuela • Angel falls, Venezuela • Kalyan Minaret, Bukhara, Uzbekistan • Miami, USA • Las Vegas, USA • Lake Powell, USA • Manhattan, New York, USA • Golden Gate Bridge, San Francisco, USA • Millennium UN Plaza Hotel, New York, USA • Oahu, Hawaii, USA • Las Vegas, Nevada, USA • Millennium UN Plaza Hotel, New York, USA • Golden Gate Bridge, USA • Statue of Liberty, New York, USA • Manhattan, New York, USA • Hollywood, California, USA • San Juan and Colorado rivers, USA • Goosenecks, Utah, USA • Mono Lake, California, USA • Millennium UN Plaza Hotel, New York, USA • Chicago, Illinois, USA • Los Angeles, California, USA • Kiev, Ukraine • Ay-Petri, Ukraine • Dubai, UAE • Dubai, Islands, UAE • Palm Jumeirah, Dubai, UAE • Bangkok, Thailand • Sankt-Moritz, Switzerland • Cape Good Hope, South Africa • Cape-Town, South Africa • Moscow, MSU, Russia • Moscow, Kremlin, Bolotnaya Square , Russia • Moscow, Russia • Moscow Kremlin, Russia • 55.748765;37.540841, Russia • Moscow City, Russia • Kremlin, Moscow, Russia • Moscow City, Russia • Trinity Lavra of Sait Sergius, Russia • Saint-Petersburg, Russia • New Jerusalem Monastery, Russia • Saint Petersburg, Russia • Novodevichy Convent. Moscow, Russia • Ramenki,Moscow, Russia • MKAD, Moscow, Russia • Moscow, Russia • Moscow, Russia • Krokus Expo Center, Moscow, Russia • Moscow Region, Russia • Moeraki Boulders, New Zealand • Fiordland, New Zealand • Nepal, Nepal • Maldives, Maldives • Kuala-Lumpur, Malaysia • Grimsvotn, Iceland • Amsterdam, Holland • Neuschwanstein Castle, Germany • Egyptian Pyramids, Egypt • Hong Kong, China • The Iguassu Falls, Brazil • Twelve Apostles Marine National Park, Australia • Sydney, Australia • Buenos Aires, Argentina • Egyptian Pyramids, Egypt