Debt recovery prices

 

Vishalee Amin

 

Senior Solicitor and Debt Recovery Manager

 

Direct Dial: 020 3167 1963

 

Email: vishalee.amin@howell-jones.com

 

Hourly rate is £200 plus VAT but fixed fees available for debt recovery matters as outlined in this document.

 

Vishalee qualified as a Solicitor in 2011 after qualifying as an Attorney and Counselor-at Law in 2009, having passed the New York Bar. She is a Solicitor in the Debt Recovery and Litigation Department and also the Debt Recovery and Credit Control Manager at the firm.

 

Vishalee advises companies and individuals who are owed money through the course of their business and undertakes recovery action on their behalf including pre-action letters, issuing claims, enforcement of Judgments and all aspects of insolvency work including Statutory Demands, Bankruptcy and Winding Up Petitions.

 

Vishalee also has considerable experience in Consumer Credit claims and represents companies who are owed sums, either directly or via assignment, under agreements regulated by the Consumer Credit Act.

 

In addition to commercial debt recovery work, Vishalee is experienced in property litigation including s146 notices, forfeiture claims and possession proceedings.

 

 

 

 

 

 

 

 

 

 

 

 

 

Benefits of our service

 

 

 

  • Experienced  and effective service

  • Solicitor led approach producing impressive recovery results

  • No commission on payments recovered, we charge clear fixed fees for each step taken which, in most cases, we recover from the debtor.

  • Access to cutting edge online technology allowing you 24 hour secure web access to monitor, real time, the progress of collections

  • Free reporting at a frequency and format that you would find most useful

  • Regular payments to you of debts recovered as we invoice on a bi weekly basis

  • Versatility in approach meaning we can tailor our strategy on a case by case basis to meet your collection objectives.

  • Same day processing of instructions -  all new instructions received before 3pm will be processed on the same day

  • No nonsense approach -  we aim to recover everything that is owed to you including costs and interest

  • We monitor agreed instalment payment schemes and report to you on their progress

  • Discounted court fees  - we can issue claims online saving you cost and time

  • Cost effective - Our clear costs information allows assessment at all stages as to the commercial viability of recovery

  • Disputed debts – we handle disputes from responses to letters before action to court proceedings, hearings and trial.

     

     

     

     

     

     

     

     

     

     

     

    Our Services

     

 

  • Pre-legal advice

  • Letters Before Action

  • Monitoring Payment Instalments

  • Issuing Court Proceedings

  • Dealing with Defended Actions

  • Applying for Judgment

  • Enforcing judgment i.e: Bailiffs, High Court Enforcement Officers, Charging Orders, Third Party Debt Orders and Attachment of Earnings

  • Statutory Demands

  • Bankruptcy Petitions

  • Winding Up Petitions

 

How our charges are calculated

 

 

 

  • Pre-legal Advice

 

Fixed fee from £50 plus VAT or hourly rates dependent on circumstances of instruction and advice required.

 

 

 

Standard Undisputed Debt Recovery Process

 

For undisputed debts we charge a fixed fee for each stage of the Standard Undisputed Debt Recovery Process (Stages 1 -4) which includes:

 

  • Standard progress reports/updates

  • Telephone updates

  • Advice on alternative enforcement options of the Judgment

     

 

IMPORTANT PLEASE NOTE:

 

Our Standard Undisputed Debt Recovery Process does not include:

 

  • Handling disputed debts

  • Telephone calls to/from Debtors

  • Setting up/Monitoring instalment plans

  • Bespoke Particulars of Claim (which are quoted for upon request and dependent on the facts of the claim)

 

 

 

STAGE 1 - Letter Before Action

 

Our charges

Standard letter before action UK by post

£20.00

Standard letter before action to be sent by email and post

£25.00

Follow up letters

£10.00

Bespoke non-standard drafted letters

From £20.00 per letter

 

 

 

 

 

STAGE 2 – Issuing Court Proceedings (Court Claims)

 

Debt including interest

Instruction Charge (not recoverable from debtor)

Fixed Costs for Issuing Claim (recoverable from debtor and automatically added to the debt)

Court fee (recoverable from debtor and automatically added to the debt)

25 -300

30.00

50.00

25.00

301 - 500

30.00

50.00

35.00

501 -1,000

30.00

70.00

60.00

1, 001- 1,500

30.00

80.00

70.00

1,500 - 3,000

30.00

80.00

105.00

3,001 - 5,000

60.00

80.00

185.00

5,001 – 10,000

60.00

100.00

410.00

10,001 - 25,000

60.00

100.00

4.5% of claim

25,001 - 50,000

100.00

100.00

4.5% of claim

50,001 - 75,000

100.00

100.00

4.5% of claim

75,001 – 100,000

100.00

100.00

4.5% of claim

 

 

 

STAGE 3 – Applying for Judgment

Description

Debt amount £

Fixed Costs (recoverable from debtor and automatically added to the debt

Default Judgment in default of acknowledgement of service

25.00 - 5000.00

22.00

Default Judgment in default of acknowledgement of service

Over 5000.00

30.00

Default Judgment in default of defence

25.00 – 5000.00

25.00

Default Judgment in default of defence

Over 5000.00

35.00

Judgment on acceptance of offer

25 – 5000.00

40.00

Judgment on acceptance of offer

Over 5000.00

55.00

Judgment on admission where court sets rate of payment

25.00 – 5000.00

55.00

Judgment on admission where court sets rate of payment

Over 5000.00

70.00

 

 

 

 

 

STAGE 4 - Enforcement of Judgments

 

Disbursement £

Our Charges £

Issuing warrant of execution to Bailiff

110.00 court fee (less 30.00 if via CCBC)

22.25

High Court Enforcement Officers

66.00

100.00

Re-issue of warrant of execution

33.00

20.00

Charging Order on property to be dealt with on paper

110.00

250.00

Prep for Charging Order hearing if objection filed

Agent’s fee for attendance

150.00

Third party Debt order to first hearing

110.00 and Agent’s fee for attendance

150.00

Order to obtain information through Court

55.00 and Agent’s fee for service

75.00

Application for substituted service of Information Order

100.00

100.00

Attachment of Earnings

110.00

100.00

 

 

 

Defended Small Claims (up to £10,000)

 

Defended Small Claims

 

Disbursement £

Our Charges £

Reviewing Defence and advising thereon

 

100.00

Preparing and filing Directions Questionnaire

 

100.00

Handling Standard Defended Small Claims (no counterclaim) including preparing Witness Statement and instructing Agents where debt value is up to £5000.00

Agent’s fee for hearing

500.00

Handling Standard Defended Small Claims (no counterclaim) including preparing Witness Statement and instructing Agents where debt value is between £5000.01 and £7500.00

Agent’s fee for hearing

700.00

Handling Standard Defended Small Claims (no counterclaim) including preparing Witness Statement and instructing Agents where debt value is between £7500.01 and £10000.00

Agent’s fee for hearing

900.00

Court hearing fee with debt value up to £300.00

25.00

 

Court hearing fee with debt value between £300.01 and £500.00

55.00

 

Court hearing fee with debt value between £500.01 and £1000.00

80.00

 

Court hearing fee with debt value between £1000.01 and £1500.00

115.00

 

Court hearing fee with debt value between £1500.01 and £3000.00

170.00

 

Court hearing fee with debt value between £3000.01 and £10,000

335.00

 

Preparing a Summary Judgment Application for debt value up to £5000.00

255.00 and Agent’s fee for hearing

300.00

Preparing a Summary Judgment Application for debt value between £5000.01 and £10000.01

255.00 and Agent’s fee for hearing

600.00

Drafting Standard Consent Order

100.00

100.00

Adjourned Hearings

Agent’s fee for hearing

100.00

 

 

 

 

 

 

 

Defended Fast Track and Multi-Track Claims

 

 

 

  • Work undertaken on an hourly rate and an estimate will be provided at the time the Defence is received. The current hourly rate of the Solicitor undertaking work in the Debt Recovery Team is £200 plus VAT per hour.

     

 

Miscellaneous Charges and Services

 

Disbursement £

Our Charges £

Bespoke correspondence

 

From 20.00 per letter

Telephone attendance with the debtor

 

From 20,00 per call

Instructing Tracing Agents

Agent’s fee for trace

30.00

Chasing Debtor re default in instalment payments

 

From 20.00 per letter/email

Review of instalments with debtor

 

100.00

Opposing Application to Set Aside Judgment

Agent’s fee for hearing

300.00

 

 

 

Insolvency

 

 

 

  • Winding up proceedings against companies

  • Bankruptcy proceedings against individuals

 

 

 

Issue and Service of Statutory Demands

 

Disbursement £

Our Charges £

Preparing and Serving Statutory Demand

Agent’s fee for service

100.00

Dealing with an application to set aside Statutory Demand

Agent’s fee for hearing

200.00

Adjourned hearings

Agent’s fee for hearing

75.00

 

 

 

 

 

Winding Up proceedings against companies (we will endeavour to recover all of these costs from the debtor upon settlement)

 

Disbursement £

Our Charges £

Preparation of Winding Up Petition and filing at Court

1880.00

300.00

Instructing Agents to serve Petition and filing Certificate of Service at Court

Agent’s fee for service

50.00

Advertising Petition and filing Certificate of Compliance

London Gazette fee

50.00

Instructing Agents for hearing

Agent’s fee for hearing

100.00

Correspondence with debtor re settlement

 

On hourly rate basis

Application to withdraw Petition

25.00

150.00

Adjourned hearings

Agent’s fee for hearing

75.00

Advertising Dismissal of Petition

London Gazette fee

50.00

Resisting Injunction Applications with the insolvency process

Variable

On hourly rate basis

Filing Notice to Support existing Petitions

 

50.00

 

           

 

Bankruptcy proceedings against individuals (we will endeavour to recover all of these costs from the debtor upon settlement)

 

Disbursement £

Our Charges £

Preparation of Bankruptcy Petition and filing at Court

1315.00

300.00

Instructing Agents to serve Petition and filing Certificate of Service at Court

Agent’s fee for service

50.00

Instructing Agents for hearing

Agent’s fee for hearing

150.00

Correspondence with debtor re settlement

 

On hourly rate basis

Adjourned hearings

Agent’s fee for hearing

75.00

Applications for substituted service

100.00 and Agent’s fee is applicable

100.00

 

How we invoice you

 

 

 

We are able to provide you with a financial account at any time. We invoice our clients on a bi-weekly basis so that our clients receive recoveries regularly in order to align with their own month end reports.

 

 

 

Every fortnight, therefore, you will receive a fully itemised schedule showing all costs and fees incurred together with recoveries paid by debtors broken down into debt, interest and costs since the last account. Your own references are also shown on this schedule. By dealing with the accounting process in this way, you can always be confident that you know the costs position on each case, have recoveries paid over to you regularly and will have no nasty surprises at the end of a case.

 

 

 

Service Level Commitment

 

 

 

We aim to process all instructions received before 3pm on the same working day. We have a highly efficient case management system which allows us to diarise action and therefore we will contact you when we require your instructions or if a debtor responds. All communication is recorded on our case management systems on the date of receipt so you can be sure that the information on your cases is current and updated regularly.

 

 

 

Instructing us

 

 

 

All we need from you to action an instruction is a copy of the outstanding invoices/statement of account, together with the debtor’s contact details and any relevant correspondence between you and the debtor. Please note that it is our best practice to serve all UK limited companies at their current registered office and not the trading address.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Please find below details of the workflow for standard court claims

 

 

 

           
    Flowchart: Process: Instruction Received
 
   
 
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 


                                        No response                         Response

 

 

 

 

 

 

 

 

                   
    Flowchart: Process: Address Issues/Attempt Settlement
 
 
   
      Flowchart: Process: Settled. Case Closed
 
 
   
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 


Please find below details of the workflow for insolvency actions

 

 

 

 

 

 
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 


                                                                                           Re

 

                                                                                         

 

 

 

       
   
 
 

 


                       No Response

 

 

 

 

 

 

 

       
 
 
   

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Vishalee Amin

 

Senior Solicitor and Debt Recovery Manager

 

Direct Dial: 020 3167 1963

 

Email: vishalee.amin@howell-jones.com

 

Hourly rate is £200 plus VAT but fixed fees available for debt recovery matters as outlined in this document.

 

Vishalee qualified as a Solicitor in 2011 after qualifying as an Attorney and Counselor-at Law in 2009, having passed the New York Bar. She is a Solicitor in the Debt Recovery and Litigation Department and also the Debt Recovery and Credit Control Manager at the firm.

 

Vishalee advises companies and individuals who are owed money through the course of their business and undertakes recovery action on their behalf including pre-action letters, issuing claims, enforcement of Judgments and all aspects of insolvency work including Statutory Demands, Bankruptcy and Winding Up Petitions.

 

Vishalee also has considerable experience in Consumer Credit claims and represents companies who are owed sums, either directly or via assignment, under agreements regulated by the Consumer Credit Act.

 

In addition to commercial debt recovery work, Vishalee is experienced in property litigation including s146 notices, forfeiture claims and possession proceedings.

 

 

 

 

 

 

 

 

 

 

 

 

 

Benefits of our service

 

 

 

  • Experienced  and effective service

  • Solicitor led approach producing impressive recovery results

  • No commission on payments recovered, we charge clear fixed fees for each step taken which, in most cases, we recover from the debtor.

  • Access to cutting edge online technology allowing you 24 hour secure web access to monitor, real time, the progress of collections

  • Free reporting at a frequency and format that you would find most useful

  • Regular payments to you of debts recovered as we invoice on a bi weekly basis

  • Versatility in approach meaning we can tailor our strategy on a case by case basis to meet your collection objectives.

  • Same day processing of instructions -  all new instructions received before 3pm will be processed on the same day

  • No nonsense approach -  we aim to recover everything that is owed to you including costs and interest

  • We monitor agreed instalment payment schemes and report to you on their progress

  • Discounted court fees  - we can issue claims online saving you cost and time

  • Cost effective - Our clear costs information allows assessment at all stages as to the commercial viability of recovery

  • Disputed debts – we handle disputes from responses to letters before action to court proceedings, hearings and trial.

     

     

     

     

     

     

     

     

     

     

     

    Our Services

     

 

  • Pre-legal advice

  • Letters Before Action

  • Monitoring Payment Instalments

  • Issuing Court Proceedings

  • Dealing with Defended Actions

  • Applying for Judgment

  • Enforcing judgment i.e: Bailiffs, High Court Enforcement Officers, Charging Orders, Third Party Debt Orders and Attachment of Earnings

  • Statutory Demands

  • Bankruptcy Petitions

  • Winding Up Petitions

 

How our charges are calculated

 

 

 

  • Pre-legal Advice

 

Fixed fee from £50 plus VAT or hourly rates dependent on circumstances of instruction and advice required.

 

 

 

Standard Undisputed Debt Recovery Process

 

For undisputed debts we charge a fixed fee for each stage of the Standard Undisputed Debt Recovery Process (Stages 1 -4) which includes:

 

  • Standard progress reports/updates

  • Telephone updates

  • Advice on alternative enforcement options of the Judgment

     

 

IMPORTANT PLEASE NOTE:

 

Our Standard Undisputed Debt Recovery Process does not include:

 

  • Handling disputed debts

  • Telephone calls to/from Debtors

  • Setting up/Monitoring instalment plans

  • Bespoke Particulars of Claim (which are quoted for upon request and dependent on the facts of the claim)

 

 

 

STAGE 1 - Letter Before Action

 

Our charges

Standard letter before action UK by post

£20.00

Standard letter before action to be sent by email and post

£25.00

Follow up letters

£10.00

Bespoke non-standard drafted letters

From £20.00 per letter

 

 

 

 

 

STAGE 2 – Issuing Court Proceedings (Court Claims)

 

Debt including interest

Instruction Charge (not recoverable from debtor)

Fixed Costs for Issuing Claim (recoverable from debtor and automatically added to the debt)

Court fee (recoverable from debtor and automatically added to the debt)

25 -300

30.00

50.00

25.00

301 - 500

30.00

50.00

35.00

501 -1,000

30.00

70.00

60.00

1, 001- 1,500

30.00

80.00

70.00

1,500 - 3,000

30.00

80.00

105.00

3,001 - 5,000

60.00

80.00

185.00

5,001 – 10,000

60.00

100.00

410.00

10,001 - 25,000

60.00

100.00

4.5% of claim

25,001 - 50,000

100.00

100.00

4.5% of claim

50,001 - 75,000

100.00

100.00

4.5% of claim

75,001 – 100,000

100.00

100.00

4.5% of claim

 

 

 

STAGE 3 – Applying for Judgment

Description

Debt amount £

Fixed Costs (recoverable from debtor and automatically added to the debt

Default Judgment in default of acknowledgement of service

25.00 - 5000.00

22.00

Default Judgment in default of acknowledgement of service

Over 5000.00

30.00

Default Judgment in default of defence

25.00 – 5000.00

25.00

Default Judgment in default of defence

Over 5000.00

35.00

Judgment on acceptance of offer

25 – 5000.00

40.00

Judgment on acceptance of offer

Over 5000.00

55.00

Judgment on admission where court sets rate of payment

25.00 – 5000.00

55.00

Judgment on admission where court sets rate of payment

Over 5000.00

70.00

 

 

 

 

 

STAGE 4 - Enforcement of Judgments

 

Disbursement £

Our Charges £

Issuing warrant of execution to Bailiff

110.00 court fee (less 30.00 if via CCBC)

22.25

High Court Enforcement Officers

66.00

100.00

Re-issue of warrant of execution

33.00

20.00

Charging Order on property to be dealt with on paper

110.00

250.00

Prep for Charging Order hearing if objection filed

Agent’s fee for attendance

150.00

Third party Debt order to first hearing

110.00 and Agent’s fee for attendance

150.00

Order to obtain information through Court

55.00 and Agent’s fee for service

75.00

Application for substituted service of Information Order

100.00

100.00

Attachment of Earnings

110.00

100.00

 

 

 

Defended Small Claims (up to £10,000)

 

Defended Small Claims

 

Disbursement £

Our Charges £

Reviewing Defence and advising thereon

 

100.00

Preparing and filing Directions Questionnaire

 

100.00

Handling Standard Defended Small Claims (no counterclaim) including preparing Witness Statement and instructing Agents where debt value is up to £5000.00

Agent’s fee for hearing

500.00

Handling Standard Defended Small Claims (no counterclaim) including preparing Witness Statement and instructing Agents where debt value is between £5000.01 and £7500.00

Agent’s fee for hearing

700.00

Handling Standard Defended Small Claims (no counterclaim) including preparing Witness Statement and instructing Agents where debt value is between £7500.01 and £10000.00

Agent’s fee for hearing

900.00

Court hearing fee with debt value up to £300.00

25.00

 

Court hearing fee with debt value between £300.01 and £500.00

55.00

 

Court hearing fee with debt value between £500.01 and £1000.00

80.00

 

Court hearing fee with debt value between £1000.01 and £1500.00

115.00

 

Court hearing fee with debt value between £1500.01 and £3000.00

170.00

 

Court hearing fee with debt value between £3000.01 and £10,000

335.00

 

Preparing a Summary Judgment Application for debt value up to £5000.00

255.00 and Agent’s fee for hearing

300.00

Preparing a Summary Judgment Application for debt value between £5000.01 and £10000.01

255.00 and Agent’s fee for hearing

600.00

Drafting Standard Consent Order

100.00

100.00

Adjourned Hearings

Agent’s fee for hearing

100.00

 

 

 

 

 

 

 

Defended Fast Track and Multi-Track Claims

 

 

 

  • Work undertaken on an hourly rate and an estimate will be provided at the time the Defence is received. The current hourly rate of the Solicitor undertaking work in the Debt Recovery Team is £200 plus VAT per hour.

     

 

Miscellaneous Charges and Services

 

Disbursement £

Our Charges £

Bespoke correspondence

 

From 20.00 per letter

Telephone attendance with the debtor

 

From 20,00 per call

Instructing Tracing Agents

Agent’s fee for trace

30.00

Chasing Debtor re default in instalment payments

 

From 20.00 per letter/email

Review of instalments with debtor

 

100.00

Opposing Application to Set Aside Judgment

Agent’s fee for hearing

300.00

 

 

 

Insolvency

 

 

 

  • Winding up proceedings against companies

  • Bankruptcy proceedings against individuals

 

 

 

Issue and Service of Statutory Demands

 

Disbursement £

Our Charges £

Preparing and Serving Statutory Demand

Agent’s fee for service

100.00

Dealing with an application to set aside Statutory Demand

Agent’s fee for hearing

200.00

Adjourned hearings

Agent’s fee for hearing

75.00

 

 

 

 

 

Winding Up proceedings against companies (we will endeavour to recover all of these costs from the debtor upon settlement)

 

Disbursement £

Our Charges £

Preparation of Winding Up Petition and filing at Court

1880.00

300.00

Instructing Agents to serve Petition and filing Certificate of Service at Court

Agent’s fee for service

50.00

Advertising Petition and filing Certificate of Compliance

London Gazette fee

50.00

Instructing Agents for hearing

Agent’s fee for hearing

100.00

Correspondence with debtor re settlement

 

On hourly rate basis

Application to withdraw Petition

25.00

150.00

Adjourned hearings

Agent’s fee for hearing

75.00

Advertising Dismissal of Petition

London Gazette fee

50.00

Resisting Injunction Applications with the insolvency process

Variable

On hourly rate basis

Filing Notice to Support existing Petitions

 

50.00

 

           

 

Bankruptcy proceedings against individuals (we will endeavour to recover all of these costs from the debtor upon settlement)

 

Disbursement £

Our Charges £

Preparation of Bankruptcy Petition and filing at Court

1315.00

300.00

Instructing Agents to serve Petition and filing Certificate of Service at Court

Agent’s fee for service

50.00

Instructing Agents for hearing

Agent’s fee for hearing

150.00

Correspondence with debtor re settlement

 

On hourly rate basis

Adjourned hearings

Agent’s fee for hearing

75.00

Applications for substituted service

100.00 and Agent’s fee is applicable

100.00

 

How we invoice you

 

 

 

We are able to provide you with a financial account at any time. We invoice our clients on a bi-weekly basis so that our clients receive recoveries regularly in order to align with their own month end reports.

 

 

 

Every fortnight, therefore, you will receive a fully itemised schedule showing all costs and fees incurred together with recoveries paid by debtors broken down into debt, interest and costs since the last account. Your own references are also shown on this schedule. By dealing with the accounting process in this way, you can always be confident that you know the costs position on each case, have recoveries paid over to you regularly and will have no nasty surprises at the end of a case.

 

 

 

Service Level Commitment

 

 

 

We aim to process all instructions received before 3pm on the same working day. We have a highly efficient case management system which allows us to diarise action and therefore we will contact you when we require your instructions or if a debtor responds. All communication is recorded on our case management systems on the date of receipt so you can be sure that the information on your cases is current and updated regularly.

 

 

 

Instructing us

 

 

 

All we need from you to action an instruction is a copy of the outstanding invoices/statement of account, together with the debtor’s contact details and any relevant correspondence between you and the debtor. Please note that it is our best practice to serve all UK limited companies at their current registered office and not the trading address.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Please find below details of the workflow for standard court claims

 

 

 

           
    Flowchart: Process: Instruction Received
 
   
 
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 


                                        No response                         Response

 

 

 

 

 

 

 

 

                   
    Flowchart: Process: Address Issues/Attempt Settlement
 
 
   
      Flowchart: Process: Settled. Case Closed
 
 
   
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 


Please find below details of the workflow for insolvency actions

 

 

 

 

 

 
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 


                                                                                           Re

 

                                                                                         

 

 

 

       
   
 
 

 

 


                       No Response