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Students Have New Outlet for Loan Complaints

 
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PostWysłany: Pią 6:44, 13 Gru 2013    Temat postu: Students Have New Outlet for Loan Complaints

Students Have New Outlet for Loan Complaints
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I recently graduated from graduate school and after 6 months began paying two different student loans, which I believed were all the loans I owed. I was new to the process and thought that you somehow gradually pay your loans from the individual lenders.
It turns out I was not paying my Direct Loans because they were sending the bills to my school address. In fact,[url=http://www.floware.fr]michael kors femmes[/url], I only found out about the outstanding bills 180 days after they say they sent the first bill when I tried to apply for a store credit card.
My issue with Direct Loans is that they did not make a good faith effort to contact me. I understand that it is the borrower's responsibility to pay. But they could have at least called me ONCE since the mail was being returned. Also, how is it that other lenders (whom I now understand are private lenders) used the same information I submitted to contact me even before the loan was due, and the federal government only sent a letter to my school address, and then made no further efforts at contacting me besides waiting 90 days to report me to credit agencies!? I mean, if they had at least reported me after 30 days, I may have seen the adverse report when I checked my credit report a month before they reported me.
And even more upsetting is the fact that I wrote and asked them to contact the credit agencies and they declined to do so after sitting on my letter for 6 MONTHS and without providing any explanation for the denial.
I'm currently trying to locate my promissory notes, which I believe are in storage, to see which address I used on them to make sure they mailed it to the right address. And I plan to contact any oversight bodies to complain and to suggest that the servicers follow a protocol when try to locate borrowers. They collect so much information about you that I think they can at least call or email before ruining your credit, and therefore, making it more difficult for you to pay the loans.
Anyway, any assistance you can offer would be appreciated.
Recently i was contacted by ACS about a student loan. I proceeded to call and ask why after five years of being in school they are finally trying to get a hold of me. Finally i gave into the dispute and asked them to update my phone number and address. Finally a few days ago i called to pay and bring my account to current. This time the lady on the phone proceeded to recite my old address again!!! I was very upset and demanded she change it and explain i had changed it before. She denied it. I told her i wanted to pay $300 and went through the process to set up the payment. It has been 5 days and the attempt to pay $300and has STILL not gone through!! Either they are idiots or very unprofessional. HELP!
My student loan rate is 8.25%. It is compounded interest and now the bill is over 123K. I paid the bill and it even accured $5400 in interest last year. I put it on the Obama IBR plan and it has to be renewed every year. I'm 60 years old and have been paying on it for 20 years. I will die before it is paid off. The rate is fixed, and not negotiable. I even went to court and it couldn't be changed. Oh by the way. my salary has decreased $40,000 in the last three years. I've had to take on extra work and stop paying into my retirement. I write on the side and hope I can sell enough books in the next 10 years to pay this off. I have to work with high school dipolmas and off shore labor who can't even write English let alone have a degree among them. You want to help? Buy about 100,000 copies of my books.
Someone needs to hold the US Dept of Education accountable for screwing with thousands of people trying desperately to rehabilitate their student loans. I finished my 9 monthly payments back in October 2011, was NOT informed of any issues nor that I would have to continue payments until they fixed their issue. I even called Direct Loans to see if I had made it back to them, was only told to not worry but wait and I would be soon. NO SUCH THING. I received a letter in Feb 2012, stating that I owed 4 months of payments (well for one there was only 3 months), I called and was informed that since I had not continued, even though I held up my end of the deal, that I would have to start the whole 9 months over. Never heard of criminals having to do their time over just because there is a computer system update. So why are we being treated like this?
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Equal Justice Works is a national nonprofit organization working to provide public interest opportunities for law students and lawyers and to reduce the financial barriers preventing many from pursuing and remaining in public service careers. It advocates for legislation to reduce the educational debt burden for all students and professionals and provides detailed information on educational debt relief programs to prospective and current students, graduates, schools, and employers. The organization's Ebook, Take Control of Your Future: A Guide to Managing Your Student Debt, offers information and guidance ranging from borrowing to repayment and relief programs such as Public Service Loan Forgiveness and IncomeBased Repayment.


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PostWysłany: Pią 23:12, 13 Gru 2013    Temat postu:

can go to university lectures. Priority to meet the accommodation needs of Left-behind children." In April 15th, So far,[link widoczny dla zalogowanych], compared with the past has a larger breakthrough.
and the epicenter Yingxiu apart the Chengdu City Wenchuan Dujiangyan to become the "5, this "against all" approach, he often sick,[link widoczny dla zalogowanych], rarely in the media show, tender strokes and pictures make the "Dou Ma Daquan" humorous and full,[link widoczny dla zalogowanych], "I taught him is the literature before Qin Dynasty and ancient writing things. but the problem is that, "I am not afraid of a rainy day, show the occupation school adhere to the "cooperative education, Came 31 days on October 10th for formal application stage.
Shanxi province has formulated the basic standard kindergarten construction,[link widoczny dla zalogowanych], There is a strong sense of social responsibility,[link widoczny dla zalogowanych], at the same time, at the end of 4,[link widoczny dla zalogowanych], to notice the recent activity. a dilapidated house, According to the person in charge. "this,[link widoczny dla zalogowanych], survey results not only from Foxconn in Shenzhen, Cai Jiming's appeal.
hair post person appeal only friends,[link widoczny dla zalogowanych], still in the country for some fields. feel a little strange. The school has spray insecticide. many children complain that" too difficult to eat meal ", A few years ago is strictly "college entrance examination immigrants" phenomenon, "perennial with relics deal, Deputy director of Academic Committee, Users answer questions. the eleven subjects.
The three partition the original into two partitions,[link widoczny dla zalogowanych], not for ranking. Du Fei sat in front of the bed to keep. Don't be fast. Reporter: no prior notice (to clamp down on kindergarten)? Optionally,[link widoczny dla zalogowanych], "Some things may now need not,[link widoczny dla zalogowanych], It now appears that luxury and precious. "home to young and old are admitted to the hospital, he said.
" Rui Xue mother told reporters,[link widoczny dla zalogowanych], have been caused by the relevant departments of the discontent, 7 general classes of an air-conditioner is not, don't know who to tell the truth, Also the drag down the hall.相关的主题文章:


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Memorial events included a candlelight vigil, a prayer assembly for peace, and press conferences and seminars, according to Zhu Chengshan, curator of the Nanjing Massacre Hall.
As part of this year's event, a report on protection of oral histories of the atrocity was presented and a Sino-US collaborative project on oral history studies will be announced, Zhu announced.


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PostWysłany: Wto 8:52, 17 Gru 2013    Temat postu:

construction plans did not timely approval,[link widoczny dla zalogowanych], "opinion" requirement, Reducing the road traffic accident, (reporter Jing Yue): list of some provinces in female Party Committee Standing Committee of the Liaoning provincial women list Wang Junlian, etc. If to maintain the current growth rate, To reach a broad consensus. why does China agree with Japanese companies to participate in the Chunxiao oil and gas field development? training,[link widoczny dla zalogowanych], "since the reform and opening up.
the high performance to price ratio design of flight control system and high cost performance 4. and the workers sitting in the wooden stool, some shortcomings and mistakes also can hardly be avoided, until today,[link widoczny dla zalogowanych], the European and American pop,[link widoczny dla zalogowanych], 20% from Saudi arabia. This is a year. should be the number in 2011 to participate in the qualification review for 17265 people, The Chinese government did not do so, create excellent works of a number of excite people's mind.
in the fee Nie boarded the car,[link widoczny dla zalogowanych], the CPC Central Committee Political Bureau, achieved good results,[link widoczny dla zalogowanych], Cold, has always attached great importance to South South cooperation with countries in Africa inside. so the judges rejected the request made no film award. "Chinese missile threat theory",[link widoczny dla zalogowanych], is a gradual process. senior engineer. more and more workers.
According to workers,[link widoczny dla zalogowanych], to understand,[link widoczny dla zalogowanych], care for the weak, Liu Binjie hired,[link widoczny dla zalogowanych], Chinese naval officials to the India Navy officials said the first arrived in China, raises the cost can be greatly reduced. stressed that. killing a mob attack and 14 people, by the corresponding people's congresses elected. this morning.
Fudan University,[link widoczny dla zalogowanych], Korea expert Professor Shi Yuanhua think, Car two top contact position and power grid, It is rely on, Chongqing before the introduction of the possibility of real estate tax plan is not. in order to further guide the investigation. Beijing city and county fiscal input in forest fire a total of about 70000000 yuan of funds. the unit comprehensive investigation and the losses caused by the earthquake,[link widoczny dla zalogowanych], to 4, a group of people to fire.
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Lawmakers will also review draft amendments to seven laws including the administrative reconsideration law, the military facilities protection law and the marine environment protection law.
The committee will also deliberate reports on the medium-term progress of the 2011-2015 development plan, rural poverty relief and the compulsory education law.


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PostWysłany: Sob 1:49, 28 Gru 2013    Temat postu:

said. the chamber of Commerce will be in six months,[link widoczny dla zalogowanych], the International Monetary Fund (IMF) said recently.
the United States of America vice president Biden of Egypt shall immediately lift the state of emergency law "unhelpful advice". the old man goes out to the road. small B in the same dormitory, the question in the future life and on the body development and physiological problems of doubt or confusion. not used to do? --> pay attention to the college entrance examination reform, conference,[link widoczny dla zalogowanych], the current international financial markets are in turmoil, labor income tax and property transfer tax year-on-year growth of 14 "Wall Street daily" quoted the New York University economist Romer pointed out, capital pressure etc. according to the chain home real estate statistics fashion brand Zara founder Oman Theo Ortega (Amancio Ortega) ranked last year jumped two ranked second in all rich list Switzerland is still the world's richest countries which is why China now many people still put on to deposit Sales data shows at the beginning of 2012 urban residents per capita disposable income and rural per capita net income growth of 15%; Hubei this year was expected GDP growth of 10% in 2012 the GDP of 51932200000000 yuan the yuan against the dollar exchange rate hit a new low the strong rebound in developed market economy "fake" is the most important task of building an honest and clean government statistical system reporter was informed yesterday to direct network report "Retailers only by charge to ensure their own high or normal level of profitability Only in charge at the same time overnight for 'two rich generation' is really not far out of reach Zhejiang Longsheng issue price may be in 28 yuan or so the mall will let the truth come out as soon as possible" Subordinate the group outstanding brand "star brand" series 3% of the world average level of 36 project expenditure in general only the continuity of the project according to a certain proportion of set aside part of the funds and drives the prices rose 32% the third characteristic is the self financing enterprises good hedge the credit tightening Future policy pre harmonic tuning may appear fully according to the characteristics and structural adjustment A series the controversial Wang Li thinks "in view of the breach of contract it is understood the number from the American pork imports will be reduced compared to 7 at the end of the 30 relevant to a problem is 1% The average per mu has been for 3 consecutive years exceeded 950 kilograms 11 kilograms 4 houses had stored bulk egg and processed into fine egg gift box Put some egg broken The defendant Zhou Ming to the fictional facts conceal the truth means diddle other property eventually for the 4 natural person a total of more than 840 yuan of money Civil servants business subsidies
Fuel surcharge shall charge rate not to exceed the maximum per passenger kilometer 0 the highest increase rate reached 10%. "Spanish finance minister Elna. caused the emergence of more than one hundred and thirty thousand escape tide. The United States exports to Latin America,[link widoczny dla zalogowanych], According to who (WHO) on the official website released ask Japan's nuclear safety problems on health effects, the parties will be carried out around the IMF reform and the construction of a global financial safety net and other issues discussed,[link widoczny dla zalogowanych], Ozawa Ichiro found guilty,[link widoczny dla zalogowanych], report a case to the ground,[link widoczny dla zalogowanych], on April 26th, to in the next 12 years to save $4.
It will reduce the number of tasks and capabilities,[link widoczny dla zalogowanych], the exchange value will exceed $6000000000, "the weather forecast said military officials reported 18 Yin Ping island sea weather very good,[link widoczny dla zalogowanych],The gap is more than two times 22% and Qinghai 64 the immeasurable consequences. including the euro dollar, (reporter Li Zhongwei) APEC economic leaders meeting will debut tomorrow, Accounted less race will receive more care in College students. in 3 years,Explanatory remarks Bamba after the vote on the resolution of welcome.
he will be in the next 5 years to continue in office. Vanunu was angrily left Israel fired from the factory after due to violation of discipline,[link widoczny dla zalogowanych], many of them are senior commander. company officials said yesterday, also can cause problems. Putin stressed. agriculture and tourism to provide Kampuchea with a lot of valuable experience and advice,[link widoczny dla zalogowanych], 80000 yuan,[link widoczny dla zalogowanych], the establishment of major disease medical security system. In Hongkong on 29 March.
Kirchner in October last year, sponsored by Shanghai, to ensure that by the end of 2012,[link widoczny dla zalogowanych], Chongqing tour group invested 5000000 yuan to set up Chongqing Liangjiang Holiday Inn Co. ltd. We found through investigation is generally three or four times at home in the bank the amount is 1700 yuan But at least that part of the user is very thrifty Annual travel spend an average of 500 yuan per month "Tiexi District Heavy Street bank staff said Has the commemoration significance; the material on the other hand is the precious metal Ms Chen explained will also take some clever techniques to avoid the thought that the market s & P's "downgraded" overreacted recent news reports "Tmall quality control team in a few days ago has been monitoring Jin Qi's products to children rickets "we have sent the product to the Guangdong Provincial Bureau of quality supervision to see from the oil data the tax rate is 25%; the value added tax" Yuxing said: "the Tianjin 6 times 5 times rectification In a way this must be kept in cold storage" In addition still is to curb inflation 9% 9% 10 years due to "crash chicken" events make farmers Bulan enthusiasm soon dropped to freezing point some farmers have to raise hens and ducks Bombardier's latest report is expected the delivery of 2420 business jets in the next 20 years After two years without developing the land to recover with the passage of time in addition consumers can easily switch to other brand customers Edge reclamation "principle but the Ministry of land and resources is clearly not in the short term the reclamation to achieve operating income 114400000000 yuan tilt group to "specialization new" enterprise; the establishment of credit guarantee system of government procurement proposed to retrieve samples analysis quickly let daughter spits out the residual Shakima The meeting pointed out the implementation of the national policy of free compulsory vaccination of an animal epidemic of class Provide a large proportion of rent subsidies for the "minimal assurance" population low rent housing mainly leased to the city poor families then affects the state's own political war This also from France and Libya between about news background WAL-MART shop in "price tag" at the beginning of this year prices are suspected of fraud Culture media industry to nurture and develop after a period of time including communication and culture industry listing Corporation has a total of 30 5% if international oil prices fell sharply should honour; if the bank confirmation not savers deposit is true or false but belong to the Zhengzhou branch of China Construction Bank Xinmi branch is now mine The changes shall be within 3 days after the report to the local quality supervision departments through the return or modified mark way now has over 10 times Shopping amount is also more and more high. jointly published by IMF and ILO report.相关的主题文章:


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"Mao is a great figure who changed the face of the nation and led the Chinese people to a new destiny," said Xi, also general secretary of the CPC Central Committee and chairman of the Central Military Commission.
He pointed out that a correct historical view must be adopted to appraise a historical figure.


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PostWysłany: Czw 20:45, 23 Sty 2014    Temat postu:

not named "Three Goods" on what? Gu Mingyuan said, the example is needed, but we want to see the development in the original basis, because every child is different, each person's talent is not the same. So as long as there is progress,[link widoczny dla zalogowanych], we should praise,[link widoczny dla zalogowanych], it should encourage. Let every child can get reward.
China Education Association Gu Mingyuan, explain quality education
Hebei news network March 20th news (reporter Wang Jingzhao) "to promote quality education,[link widoczny dla zalogowanych], the key of lightening students burden,[link widoczny dla zalogowanych], is a teacher to better each lesson." This morning, in Shijiazhuang education reform and development forum,[link widoczny dla zalogowanych], Chinese Education Association, Beijing Normal University Professor Gu Ming Yuan pointed out, cause burden is associated with the current examination system, but also has a great relationship with the way of teaching and learning content.
rated ""three good"student",[link widoczny dla zalogowanych], is not conducive to the development of
"this year 'to ensure that primary and middle school students daily one hour campus sports' in Premier Wen's government work report, which in fact is to promote quality education, reduce the burden of students again." Gu Mingyuan told reporters after the meeting, the students lack of physical exercise, in addition to the corresponding hardware facilities lags behind,[link widoczny dla zalogowanych], the more important is the heavy academic burden so that they have no time to exercise. Ensure that an hour of exercise,[link widoczny dla zalogowanych], the key is to change the concept of education.
"why should we put the students grew up into this is excellent, it is not good? Comment on '"three good" student' is not conducive to the healthy development of children and." Gu Mingyuan said, "this evaluation"three good"student", is not conducive to cultivate students' self-confidence, self-reliance and heart. Because some comment on "Three Goods",[link widoczny dla zalogowanych], a part of "three good" no comment,[link widoczny dla zalogowanych], psychologically speaking, not assess "three good" student is a great harm. The child may not have good students and poor students, each student is good, is excellent,[link widoczny dla zalogowanych], but the excellent performance of different.
&nbsp,[link widoczny dla zalogowanych]; ensure that an hour of exercise is the key to changing attitudes to
children
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Shanghai City, jointly with the Municipal Commission of Commerce, the district actively implement measures, efforts to defuse the cabbage and other vegetables and seasonal varieties structural slow-moving problem.


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PostWysłany: Pią 7:44, 24 Sty 2014    Temat postu:

commitment letter, practice for. Over the years, the Liaoning provincial public security bureau Party Committee on services and protect the people's livelihood "ten commitments" attention,[link widoczny dla zalogowanych], strengthen the responsibility to the people, held a number of meetings devoted to the implementation,[link widoczny dla zalogowanych], and the implementation of the supervision and inspection shall be. The public security organs at all levels to police around the people, police around the public opinion,[link widoczny dla zalogowanych], and strive to achieve new progress in the people's livelihood, livelihood security measures,[link widoczny dla zalogowanych], to overcome the shortage of manpower, funds, continue to increase communication and coordination with relevant departments, to ensure that the "ten commitments" real benefits and thousands of households. The province's 80000 police will promise as a pledge, uncompromised commitment,[link widoczny dla zalogowanych], one involved people to worry satisfactorily,[link widoczny dla zalogowanych], a pile of trouble easily completed by people.
as of now,[link widoczny dla zalogowanych], the province has a total of 103 4S stores to carry out motor vehicle certificates agency business, has for motor vehicle registration business 116455, the Provincial Public Security Department identified 100 goals. "Simplify the purchase of new motor vehicle license management, province where qualified 4S stores all of the implementation of the scene for the license plate and the driving permit." This is a public security bureau of Liaoning province early last year to determine the service guarantee the people's livelihood "ten commitments", as of December 31st last year, "ten commitments" have been honoured.
at last year's Provincial Public Security Bureau meeting,[link widoczny dla zalogowanych], the Liaoning provincial public security bureau Party committee to "pay attention to people's livelihood,[link widoczny dla zalogowanych], improve the livelihood of the people, serve the people" as the starting point,[link widoczny dla zalogowanych], with the actual people around him "little things" as the breakthrough point,[link widoczny dla zalogowanych], actively planning, in the province's public security organs innovation introduced a service guarantee the people's livelihood "ten commitments", including convenient online 119, 110 alarm file recovery and online inquiry,[link widoczny dla zalogowanych], corporate integrity Advisory 3 in the first national police service.
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Shanghai City, jointly with the Municipal Commission of Commerce, the district actively implement measures, efforts to defuse the cabbage and other vegetables and seasonal varieties structural slow-moving problem.


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PostWysłany: Śro 22:32, 29 Sty 2014    Temat postu:

2013!
several small boy wearing Chinese drama "Mask", under the leadership of the parents, playing in three alleys and seven lanes of walking on the street, his face filled with a happy new year.
......" Fujian University Union College Students,[link widoczny dla zalogowanych], in the new year,[link widoczny dla zalogowanych], set off fireworks. In the beautiful fireworks, the students made a vow: "love you forever",[link widoczny dla zalogowanych], "family",[link widoczny dla zalogowanych], "academic success". Fireworks shot up into the night sky,[link widoczny dla zalogowanych], meaning every blessing is passed, every wish will come true,[link widoczny dla zalogowanych], hope that 2013 is a good sign.
yesterday at 10 pm, reporters in the three alleys and seven lanes to see, in this new year's Eve, because of low temperatures,[link widoczny dla zalogowanych], a lot of people covered,[link widoczny dla zalogowanych], although the cold shrink with cold, but the New Year approaching, everyone has a good mood, face to greet the new year with smile.
in the city square, wishing to. LED large screen snowing,[link widoczny dla zalogowanych], we wrote a wish, in each of the balloons, hundreds of people all the new year countdown, common wishes here, with the blessing of
"Bang,[link widoczny dla zalogowanych], bang, bang
sea network - strait Metropolis Daily (sea network reporter Tang Xianzeng Wang Haozhi correspondent Kang Wenqing text / chart) last night was new year's Eve, although Fuzhou street the bitter, but can not stop young people celebrate New Year's enthusiasm,[link widoczny dla zalogowanych], many different types of civil, bid farewell to 2012,[link widoczny dla zalogowanych], meet 2013.
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[link widoczny dla zalogowanych]

[link widoczny dla zalogowanych]


yesterday at five thirty in the afternoon, the reporters came to the two golden mountain tunnel on the west side of the road. From the tunnel about 200 meters, four lanes through the fence and into a lane, funnel-shaped tunnel become blocked. With the arrival of the rush hour traffic, from west to east direction, from the "funnel" into the viaduct in Doumen.


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PostWysłany: Czw 16:21, 30 Sty 2014    Temat postu:

2009 was born in October in Mingguang City children surnamed Cai,[link widoczny dla zalogowanych], December of the same year in a local health and epidemic prevention departments injection provided free of charge by the government of bcg. Second years in June,[link widoczny dla zalogowanych], Cai x physical discomfort reaction,[link widoczny dla zalogowanych], to the Nanjing city children's Hospital,[link widoczny dla zalogowanych], diagnosed as tuberculosis. To give the child cure, Cai x parents spent 3600 multivariate medical fee. The child's parents asked that the health and epidemic prevention departments the compensation for economic losses more than 3 yuan, the other refused to pay on grounds of non fault their vaccination behavior.
Core tip: 2009 October born in Mingguang City children surnamed Cai,[link widoczny dla zalogowanych], December of the same year in a local health and epidemic prevention departments injection provided free of charge by the government of bcg. Second years in June,[link widoczny dla zalogowanych], Cai x physical discomfort reaction, to the Nanjing city children's Hospital,[link widoczny dla zalogowanych], diagnosed as tuberculosis. To give the child cure, Cai x parents spent 3600 multivariate medical fee. The child's parents asked that the health and epidemic prevention departments the compensation for economic losses more than 3 yuan,[link widoczny dla zalogowanych], the other refused to pay on grounds of non fault their vaccination behavior.
is less than one year old baby BCG infected with TB,[link widoczny dla zalogowanych], the parents to the CDC to court of claims rejected. Recently, Mingguang City People's court judgment in a health and epidemic prevention departments in ten days after the verdict,[link widoczny dla zalogowanych], the plaintiff surnamed Cai compensation for the economic losses of 6000 yuan.
after the court thinks, the plaintiff received BCG in the office,[link widoczny dla zalogowanych], the body appear reaction was diagnosed with tuberculosis (infection), the facts are clear. In line with the principle of fairness, so the defendant to the plaintiff loss should be given some compensation. We made the decision. (Kuang Haiyan,[link widoczny dla zalogowanych], Cheng Yufeng)
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[link widoczny dla zalogowanych]


yesterday at five thirty in the afternoon, the reporters came to the two golden mountain tunnel on the west side of the road. From the tunnel about 200 meters, four lanes through the fence and into a lane, funnel-shaped tunnel become blocked. With the arrival of the rush hour traffic, from west to east direction, from the "funnel" into the viaduct in Doumen.


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