They are charging late fees with interest back from up to know, Inconsistency in late fee charges, since I have a fix interest rate My monthly payment is $and if I'm late is $..Now they said that I owe $in late fees form up to know, no one is going to wait that long to collect the late fee which by the way they were paidI have sent a few times more money and they do not apply to the principal, everything goes to the interestI have been late a few times but I have paid it, unfortunately does not show but you can tell by looking at the amount, The only late fee that I owe is May Now, payment is due on the first of each month but I have extra days for payment, I have paid on the 10th, but they do not post it until next day which for them it will be a late fee chargeI do not understand how they apply my payment, is never the same and I would like to know why since my interest is variableI want an explanation before I pay this amount because for
EARLY PAYOFF REFUSED TO ADJUST INTEREST ON LOANBalance on account should have been $lessCompany refuses to adjust interest Account number XXXXXXXPayoff date 10/5/Paid off $15,payment processed in payments to prevent interestTotal pay $14,
Duplicate Exeter car loan payments caused erroneous charges I made a payment on February from another banking account because the previous banking account was closed however before making the payment the agent Angelo confirmed that there would be no additional attempts to collect since once the payment was received and confirmed After I made the payment there were attempts to collect on the closed bank account which caused additional fees of $On all occasions I spoke with an agent and a supervisor who stated that a refund request would be sent to the refund dept All information was notated on my account I then learned that the refund was approved however as of 7/29/I have yet to receive it I spoke to the following personnel regarding this issue and was assured that the refund would be handled Natasha Byron [redacted] (employee Id XXXXXX), Angelo (employee id Ago), Yanake (employee id XXXXXX) The issue still has not been resolved I have been hung up on, prom
Double took a car paymentI called spoke to supFxd bank statement no refund yet,bank act neg &now I have bounce fees& I had to pay $fax stmnt I faxed my bank statement showing double charge spoke to several people rude, not helpful just keep saying sorryI am out my money they double took now I have insufficient bank fees $a piece and I had to pay $to fax my bank statement when they clearly see they double chargedWhy do I have to fight and pay more for my money they double took!
I paid off the auto loan and requested the title, on Oct 11th They never sent it I have requested it times to date On Oct 9th I requested a payoff amount for my Mini CooperI authorized the pay off amount of 12,from my Chase account in form of a check (126)The money was taken and cleared on the 11th of OctoberI called that day to request the title and they told me it would be in the mail within hoursThat Friday the title did not arrive so I call and they said it would take business days to process, I call the following Wednesday to check the said it would take "work" days to get the titleThe next week I called and requested it again and they said "No request was made" they then said it would take days to processI called again days later feeling I was duped again and they said it would take daysI called again that night and told me no request was made but to call before Thursday November 3rd to make sure the title was on the way, I ca
Exeter has repeatedly misinformed dollar amounts for payments in some cases as well as decided to keep payments and not reporting some payments made Exeter finance in several occasions has misquoted payments that we needed to makeAfter finally getting the most recent payment history I noticed that very few times was any of the money paid split to pay the principal amount of the loanAfter four payments of over $only $was actually paid to the principalAfter calling and asking for answers I was informed that even our payments that even if our payments were made in time there were still fees that our payment was going to instead of the principal amount of the loanFurther looking into the account even with on time payments the principal amount of loan was increasing
Contract paperwork and payment history My husband [redacted] financed Kia Rio in or about September He was incarcerated March and received a year sentenceI [redacted] took financial responsibility of car and have made payments to Exeter Finance and they have complete knowledge of situationJanuary I wa sgranted divorce which included car in decreeI notified them and sent proper paperwork requested to do so and also for payment history on accoount and was told would be taken care ofI have contacted them numerous times to be told first it would take couple of weeks to now that they are unable to do this because contract was with him.Which I believe would be void be to his incarceration anywayI have asked to speak with supervisors and or managers and still have not been unsuccessfulToday I was told they will not do it and have removed my number from accountI have contacted lawyer and was told I did all the nessisary steps to complete this proces
I purchased a vehicle and this is my finance company The car has spent four months in service! I made a payment , I was charged in my acct times I purchased my car March 10, Since Then my car has spent four months in service for multiple repairs I contacted the finance company (Exetor) whom told me there is nothing they can do I began making payment on my loanOne of my payments processed out of my account three times I contacted Exetor whom told me they show it processed one time on their end , I need to contact my bankI asked why am I contacting the bank, she stated I have to dispute it with my bank I contacted the bank and disputed as I was instructed for the three extra charges and I was told after the dispute came back, from Exetor that I missed a payment I explained to the representative what took place, he stated he would take care of it and I was then charged late fees because of this and they stated I'm now up for repossession No one was followi
This company claims that I still owe them 11,after paying on this car for years nowThey lied to me about my rate it's suppose to be at 14% This company is claiming that I still owe 11, after years of paying my noteThey promised that may rate would be 14% and they have been charging me for 21.06% which is not what was promisedThey do not respond to customer inquiries about their wrong doingThese loans are faulty and they have over 500,complaints with you guys and nothing is being done or investigated.I have even gotten my credit repair company (Lexington Law) to challenge them on this issue but continuously not respond to there challenges
I did not authorize the credit inquiry on 09/8/from this companyPlease remove it from my credit reports I did not authorize the credit inquiry on 09/8/from this companyPlease remove it from my credit reports
I am unable to access account due to your update and I have called over 7xs trying to correct thissystem does not allow and csr doesn't help Good afternoonI have reached out to your customer service department over times and no one is able to fix my issue Since you have updated your website, I am not able to access my account I have called customer service, they have sent me emails with links to change password The system does not allow me to change password and then it locks me out I have requested to change my password online it verifies me and then I still am NOT able to change my password I have requested to have my account DEACTIVATED so I can then reactivate and start from fresh and I am told someone will get back to me within hours and it has now been close to a month I need someone to deactivate my account so I can register it again to be able to access my account I do not want anyone calling me reading from a script and apologizing
Refund owed on car loan that was paid off via trade in on a new vehicle Traded old car in on new vehicle October 4thRefund has been owed since mid OctoberAt first contact I was directed to fax bank statement in requesting a refund and showing last paymentThat was denied with no notice Followed up a month later and at that time was notified they denied my refund requestAt that time I was given Arnold email address to send it toI was told I'd have my refund in 3-business daysFollowed up weeks later and was told that that was incorrect and that I should have a check before December I never received my refundI called today 1/4/to ask about it and was told that they mailed it to the wrong addressEvery time I called in I confirmed my mailing address and phone numberHow is this possible? Talked to a manager (Heather, Customer Service Manager, Clearfield Utah office)today, she says a check is being mailed todayI informed her that was unacceptableI've been
Exeter has been reporting to all three credit bureaus for last ten months the amount of $29,since October of last yearThis car had issues and Exeter has been reporting to all credit bureaus for last months for a car I do not haveThey are reporting it as a repossession with this outrageous balanceThey financed this car for $26,yet they are reporting that balance owed is 29,We paid on this car for over a year and Chrysler had so many recalls on it we could not drive itI called them today to ask why they are reporting this amount and the rep stated that it was sold at auction for $he then tells me that we owe interest and that's why my balance is so highI want this removed from my credit report, both mine and my husbands'That would be $10,iwith the payments that we made for over a year if we owed anything that could be settled, definantly not times that amountHe stated that they reported correct info but all bureaus got it wrong !!!
Very predatory lendingExeter went into my bank account times in one month after I set up two paymentThey withdrew all payments and caused me to over draftI have yet to get a response for thisAlso, They seem to apply your entire payment directly to interest in the beginning of the loan, after nearly 11k paid I have had on 2K taken off my principle after months of paymentsThat makes it pretty hard to escape this company and find financing else where as my car depreciatesI will be seeking a new lender ASAP This company is not very ethical and their customer service lacksI find it strange they have an A+ rating with so many negative reviews from consumers
Back in August we were informed to make a split payment agreement which would not affect our credit They have marked a neg item on our credit Back in August of we contacted Exeter due to some payment constraints and the rep informed up to make a split payment arrangement that would not affect our credit report as long as we kept the arrangement We did our part and kept the arrangement but shortly after the payment was made they sent a late payment notice to the credit bureaus which affected our credit negatively Since then we have been in contact with Exeter and have been told multiple times but multiple reps that they would be updating our credit report and getting this corrected as they had agreed to remove the late payment notice on the account We were also affected by Hurricane Irma which caused a change to our account I spoke to a Janelle who informed me there were notes in the system that sated they would be sending an update to get our credit reports adjusted T
I can never get the same information from reps about my accountI'm being told I'm missing payments when I have info showing payments rcvd Friday, May 25th I called into Exeter and spoke with the rep DennyI asked why does my payment history I just got from a rep from the prev day show that I've missed paymentsRep went on to go over incorrect info saying I called to make several payments and they returned as nsfAfter going in circles with rep, I spoke with manager/supervisor Chris [redacted] I explained to the sup about auto withdrawal setup with the companyEducated supervisor nsf fees would have been charged on both endsRequested a manager but no one was availableA manager has never called me back, has never been handed the phone or anythingThere were issues with bankruptcy papers that was still never resolved by two different managersManager Juliana McCully has never called about payment issueI'm unable to get in contact with anyone within corporate to speak abou
Reported Identity Theft to Exeter Finance and they stated that they did not have a Fraud DepartmentI am trying to get removed from credit history I contacted Exeter Finance several occasions (February 7, 2016; March 8,2016; [redacted] 15, 2016; August 7, 2016; September 29, 2016; February 27,2017; June 2,2017) to speak with the fraud departmentI was told that I would have to provide my social security number over the phone to be assistedI refused each time and asked to speak with the fraud department and was deniedI asked for a telephone number to that departmentI also asked for someone in that department to email me or call me directlyI asked for an email address to email someone and was deniedI'm not sure what type of practices this business does but this makes no sense that I can contactsomeone to have this looked into and removedI have already put in a complaint with FTC and now with Revdex.comIf this not removed or if I am not contacted with in hours I will be filing a
In September of my car died and I had to purchase a car immediatelyI was working on repairing my credit from a previous bankruptsy in when this happenedAnyway the only finance company that would finance me was Exeter finance at 27% interest rateBeing a single mom without no other income but my job, I had no choice but to purchase the carI did not have money to pay cash for a car and I had to get back and forth to workBy April I was struggling and forced into filing a chapter I was told I would be required to pay the full amount of the vehicle but the courts said only at a 4.75% interest rate instead of 27%I have been having money taken out of my check for over two years now totaling almost $My attorney and I just discovered Exeter never filed a proof of claim as required by the courtsSo all of this time the money that should have been going to Exeter was going to my student loan and unsecured debtAt this time I do not know what to do! At this point my only option is to convert to a Chapter and surrender the vehicleOtherwise once I get through the in the next and a half years Exeter is going to come back and ruin me again piling on the amount of the car and late feesI really don't want to do thisMy attorney and myself contacted them multiple times about not filing the claim to no availI emailed them a couple months ago explaining this situation and asked if they would reaffirm the loan for the amount the car is worth now at a lower interest rate since it should be half way paid off by now and they did not file a claimNo one ever contacted meInstead they contacted my attorney and told her WE DO NOT WORK OUT PAYMENT PLANSShe said ok then why did you not file a proof of claim back in as required by the courts? The person she spoke had no answer and said she would have to get back with herNeedless to say she never heard from her againThey would have had the entire car paid off at % interest on top of the months of payments I had already madeI feel like this was a shady business practice to [redacted] me over
Candice, a collections manager that works out of Irving, [redacted] fraudulently added over $dollars to my account, she changed the rating of my vehicle from great to poor, and this was all because I told her I'm looking to re-finance my vehicleNow when finance officers review my account (which Ive paid on time every month) it says my car isn't in good shape and that I'm not paying payments on timeI contacted Exeter and they stated that there is no way she can make these changesHowever, the changes occurred on the same exact day that I spoke with Candice (employee number: CLC) and the notations were issued by Exeter financeHMMMShe did not notate the account of any adjustments within her office, only mentioned that I was looking to re-finance with someone elseNeedless to say, If this isn't corrected I will be looking for an attorneyThis woman fraudulently made changed to the status of my vehicle so I wouldn't have the opportunity to re-finance and switch to a company that treats their customers with respectThis woman does not know me and I was on time for every paymentI don't understand how this type of business practice is considered legalSomeone that has done nothing wrong to this woman has now been hit hard on my credit as it has decreased POINTS!! This company should have their license revoked and Candice should be charged for the actions that has caused a complete stranger turmoil in their lifeSHAME ON YOU, CANDICE!!
identity theft and fraud identity theft and fraud
They are charging late fees with interest back from up to know, Inconsistency in late fee charges, since I have a fix interest rate My monthly payment is $and if I'm late is $..Now they said that I owe $in late fees form up to know, no one is going to wait that long to collect the late fee which by the way they were paidI have sent a few times more money and they do not apply to the principal, everything goes to the interestI have been late a few times but I have paid it, unfortunately does not show but you can tell by looking at the amount, The only late fee that I owe is May Now, payment is due on the first of each month but I have extra days for payment, I have paid on the 10th, but they do not post it until next day which for them it will be a late fee chargeI do not understand how they apply my payment, is never the same and I would like to know why since my interest is variableI want an explanation before I pay this amount because for
EARLY PAYOFF REFUSED TO ADJUST INTEREST ON LOANBalance on account should have been $lessCompany refuses to adjust interest Account number XXXXXXXPayoff date 10/5/Paid off $15,payment processed in payments to prevent interestTotal pay $14,
Duplicate Exeter car loan payments caused erroneous charges I made a payment on February from another banking account because the previous banking account was closed however before making the payment the agent Angelo confirmed that there would be no additional attempts to collect since once the payment was received and confirmed After I made the payment there were attempts to collect on the closed bank account which caused additional fees of $On all occasions I spoke with an agent and a supervisor who stated that a refund request would be sent to the refund dept All information was notated on my account I then learned that the refund was approved however as of 7/29/I have yet to receive it I spoke to the following personnel regarding this issue and was assured that the refund would be handled Natasha Byron [redacted] (employee Id XXXXXX), Angelo (employee id Ago), Yanake (employee id XXXXXX) The issue still has not been resolved I have been hung up on, prom
Double took a car paymentI called spoke to supFxd bank statement no refund yet,bank act neg &now I have bounce fees& I had to pay $fax stmnt I faxed my bank statement showing double charge spoke to several people rude, not helpful just keep saying sorryI am out my money they double took now I have insufficient bank fees $a piece and I had to pay $to fax my bank statement when they clearly see they double chargedWhy do I have to fight and pay more for my money they double took!
I paid off the auto loan and requested the title, on Oct 11th They never sent it I have requested it times to date On Oct 9th I requested a payoff amount for my Mini CooperI authorized the pay off amount of 12,from my Chase account in form of a check (126)The money was taken and cleared on the 11th of OctoberI called that day to request the title and they told me it would be in the mail within hoursThat Friday the title did not arrive so I call and they said it would take business days to process, I call the following Wednesday to check the said it would take "work" days to get the titleThe next week I called and requested it again and they said "No request was made" they then said it would take days to processI called again days later feeling I was duped again and they said it would take daysI called again that night and told me no request was made but to call before Thursday November 3rd to make sure the title was on the way, I ca
Exeter has repeatedly misinformed dollar amounts for payments in some cases as well as decided to keep payments and not reporting some payments made Exeter finance in several occasions has misquoted payments that we needed to makeAfter finally getting the most recent payment history I noticed that very few times was any of the money paid split to pay the principal amount of the loanAfter four payments of over $only $was actually paid to the principalAfter calling and asking for answers I was informed that even our payments that even if our payments were made in time there were still fees that our payment was going to instead of the principal amount of the loanFurther looking into the account even with on time payments the principal amount of loan was increasing
Contract paperwork and payment history My husband [redacted] financed Kia Rio in or about September He was incarcerated March and received a year sentenceI [redacted] took financial responsibility of car and have made payments to Exeter Finance and they have complete knowledge of situationJanuary I wa sgranted divorce which included car in decreeI notified them and sent proper paperwork requested to do so and also for payment history on accoount and was told would be taken care ofI have contacted them numerous times to be told first it would take couple of weeks to now that they are unable to do this because contract was with him.Which I believe would be void be to his incarceration anywayI have asked to speak with supervisors and or managers and still have not been unsuccessfulToday I was told they will not do it and have removed my number from accountI have contacted lawyer and was told I did all the nessisary steps to complete this proces
I purchased a vehicle and this is my finance company The car has spent four months in service! I made a payment , I was charged in my acct times I purchased my car March 10, Since Then my car has spent four months in service for multiple repairs I contacted the finance company (Exetor) whom told me there is nothing they can do I began making payment on my loanOne of my payments processed out of my account three times I contacted Exetor whom told me they show it processed one time on their end , I need to contact my bankI asked why am I contacting the bank, she stated I have to dispute it with my bank I contacted the bank and disputed as I was instructed for the three extra charges and I was told after the dispute came back, from Exetor that I missed a payment I explained to the representative what took place, he stated he would take care of it and I was then charged late fees because of this and they stated I'm now up for repossession No one was followi
This company claims that I still owe them 11,after paying on this car for years nowThey lied to me about my rate it's suppose to be at 14% This company is claiming that I still owe 11, after years of paying my noteThey promised that may rate would be 14% and they have been charging me for 21.06% which is not what was promisedThey do not respond to customer inquiries about their wrong doingThese loans are faulty and they have over 500,complaints with you guys and nothing is being done or investigated.I have even gotten my credit repair company (Lexington Law) to challenge them on this issue but continuously not respond to there challenges
I did not authorize the credit inquiry on 09/8/from this companyPlease remove it from my credit reports I did not authorize the credit inquiry on 09/8/from this companyPlease remove it from my credit reports
I am unable to access account due to your update and I have called over 7xs trying to correct thissystem does not allow and csr doesn't help Good afternoonI have reached out to your customer service department over times and no one is able to fix my issue Since you have updated your website, I am not able to access my account I have called customer service, they have sent me emails with links to change password The system does not allow me to change password and then it locks me out I have requested to change my password online it verifies me and then I still am NOT able to change my password I have requested to have my account DEACTIVATED so I can then reactivate and start from fresh and I am told someone will get back to me within hours and it has now been close to a month I need someone to deactivate my account so I can register it again to be able to access my account I do not want anyone calling me reading from a script and apologizing
Refund owed on car loan that was paid off via trade in on a new vehicle Traded old car in on new vehicle October 4thRefund has been owed since mid OctoberAt first contact I was directed to fax bank statement in requesting a refund and showing last paymentThat was denied with no notice Followed up a month later and at that time was notified they denied my refund requestAt that time I was given Arnold email address to send it toI was told I'd have my refund in 3-business daysFollowed up weeks later and was told that that was incorrect and that I should have a check before December I never received my refundI called today 1/4/to ask about it and was told that they mailed it to the wrong addressEvery time I called in I confirmed my mailing address and phone numberHow is this possible? Talked to a manager (Heather, Customer Service Manager, Clearfield Utah office)today, she says a check is being mailed todayI informed her that was unacceptableI've been
Exeter has been reporting to all three credit bureaus for last ten months the amount of $29,since October of last yearThis car had issues and Exeter has been reporting to all credit bureaus for last months for a car I do not haveThey are reporting it as a repossession with this outrageous balanceThey financed this car for $26,yet they are reporting that balance owed is 29,We paid on this car for over a year and Chrysler had so many recalls on it we could not drive itI called them today to ask why they are reporting this amount and the rep stated that it was sold at auction for $he then tells me that we owe interest and that's why my balance is so highI want this removed from my credit report, both mine and my husbands'That would be $10,iwith the payments that we made for over a year if we owed anything that could be settled, definantly not times that amountHe stated that they reported correct info but all bureaus got it wrong !!!
Very predatory lendingExeter went into my bank account times in one month after I set up two paymentThey withdrew all payments and caused me to over draftI have yet to get a response for thisAlso, They seem to apply your entire payment directly to interest in the beginning of the loan, after nearly 11k paid I have had on 2K taken off my principle after months of paymentsThat makes it pretty hard to escape this company and find financing else where as my car depreciatesI will be seeking a new lender ASAP This company is not very ethical and their customer service lacksI find it strange they have an A+ rating with so many negative reviews from consumers
Back in August we were informed to make a split payment agreement which would not affect our credit They have marked a neg item on our credit Back in August of we contacted Exeter due to some payment constraints and the rep informed up to make a split payment arrangement that would not affect our credit report as long as we kept the arrangement We did our part and kept the arrangement but shortly after the payment was made they sent a late payment notice to the credit bureaus which affected our credit negatively Since then we have been in contact with Exeter and have been told multiple times but multiple reps that they would be updating our credit report and getting this corrected as they had agreed to remove the late payment notice on the account We were also affected by Hurricane Irma which caused a change to our account I spoke to a Janelle who informed me there were notes in the system that sated they would be sending an update to get our credit reports adjusted T
I can never get the same information from reps about my accountI'm being told I'm missing payments when I have info showing payments rcvd Friday, May 25th I called into Exeter and spoke with the rep DennyI asked why does my payment history I just got from a rep from the prev day show that I've missed paymentsRep went on to go over incorrect info saying I called to make several payments and they returned as nsfAfter going in circles with rep, I spoke with manager/supervisor Chris [redacted] I explained to the sup about auto withdrawal setup with the companyEducated supervisor nsf fees would have been charged on both endsRequested a manager but no one was availableA manager has never called me back, has never been handed the phone or anythingThere were issues with bankruptcy papers that was still never resolved by two different managersManager Juliana McCully has never called about payment issueI'm unable to get in contact with anyone within corporate to speak abou
Reported Identity Theft to Exeter Finance and they stated that they did not have a Fraud DepartmentI am trying to get removed from credit history I contacted Exeter Finance several occasions (February 7, 2016; March 8,2016; [redacted] 15, 2016; August 7, 2016; September 29, 2016; February 27,2017; June 2,2017) to speak with the fraud departmentI was told that I would have to provide my social security number over the phone to be assistedI refused each time and asked to speak with the fraud department and was deniedI asked for a telephone number to that departmentI also asked for someone in that department to email me or call me directlyI asked for an email address to email someone and was deniedI'm not sure what type of practices this business does but this makes no sense that I can contactsomeone to have this looked into and removedI have already put in a complaint with FTC and now with Revdex.comIf this not removed or if I am not contacted with in hours I will be filing a
In September of my car died and I had to purchase a car immediatelyI was working on repairing my credit from a previous bankruptsy in when this happenedAnyway the only finance company that would finance me was Exeter finance at 27% interest rateBeing a single mom without no other income but my job, I had no choice but to purchase the carI did not have money to pay cash for a car and I had to get back and forth to workBy April I was struggling and forced into filing a chapter I was told I would be required to pay the full amount of the vehicle but the courts said only at a 4.75% interest rate instead of 27%I have been having money taken out of my check for over two years now totaling almost $My attorney and I just discovered Exeter never filed a proof of claim as required by the courtsSo all of this time the money that should have been going to Exeter was going to my student loan and unsecured debtAt this time I do not know what to do! At this point my only option is to convert to a Chapter and surrender the vehicleOtherwise once I get through the in the next and a half years Exeter is going to come back and ruin me again piling on the amount of the car and late feesI really don't want to do thisMy attorney and myself contacted them multiple times about not filing the claim to no availI emailed them a couple months ago explaining this situation and asked if they would reaffirm the loan for the amount the car is worth now at a lower interest rate since it should be half way paid off by now and they did not file a claimNo one ever contacted meInstead they contacted my attorney and told her WE DO NOT WORK OUT PAYMENT PLANSShe said ok then why did you not file a proof of claim back in as required by the courts? The person she spoke had no answer and said she would have to get back with herNeedless to say she never heard from her againThey would have had the entire car paid off at % interest on top of the months of payments I had already madeI feel like this was a shady business practice to [redacted] me over
Candice, a collections manager that works out of Irving, [redacted] fraudulently added over $dollars to my account, she changed the rating of my vehicle from great to poor, and this was all because I told her I'm looking to re-finance my vehicleNow when finance officers review my account (which Ive paid on time every month) it says my car isn't in good shape and that I'm not paying payments on timeI contacted Exeter and they stated that there is no way she can make these changesHowever, the changes occurred on the same exact day that I spoke with Candice (employee number: CLC) and the notations were issued by Exeter financeHMMMShe did not notate the account of any adjustments within her office, only mentioned that I was looking to re-finance with someone elseNeedless to say, If this isn't corrected I will be looking for an attorneyThis woman fraudulently made changed to the status of my vehicle so I wouldn't have the opportunity to re-finance and switch to a company that treats their customers with respectThis woman does not know me and I was on time for every paymentI don't understand how this type of business practice is considered legalSomeone that has done nothing wrong to this woman has now been hit hard on my credit as it has decreased POINTS!! This company should have their license revoked and Candice should be charged for the actions that has caused a complete stranger turmoil in their lifeSHAME ON YOU, CANDICE!!