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Thanks for the welcome Pammy [;)] I also asked those questions and asked would happen with me only making small contributions towards my trust deed...

Hi Mark and Shona, Thank you for your helpful replies, very much appreciated indeed. I spoke to MacGregors in January and was informed nothing ...

We too had unbelieveable problems with Mercers to the point that we ended up changing our phone number just to get some peace. Then they started s...