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Disclaimer: All advice given in our publications is of a general nature. Every legal issue is different and particular to the person involved. This is not a substitute to seeking formal legal advice. The purpose is to make you better informed. If you have a legal problem you should always seek formal legal advice. To get further information on any of the topics covered in our publications, please call 0808 145 1353 or fill in our enquiry form. Please note: Calls to or from our legal helpline may be recorded for training and monitoring purposes.