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I cannot be held liable for the decisions you make based on the information you find or get form CCSOnline.co.uk. If you are managing your finances then you are mature enough to make the correct decisions.

Before taking any action be sure you think twice or consult a professional. I am just a regular Joe and all the advice I give you is from what I have experience or have read somewhere. As I have stated above I will do my best to provide you the best information but you have to be responsible for your own actions.