When do you report to the credit bureaus? If you want additional information, please follow the instructions in the letter. We work hard to keep your personal and financial information safe. Except as otherwise provided by applicable law, these Terms of Use, and our Privacy Policy, any communication, information, or material you transmit to us through this Site, including through or to a Linked Site, is non-confidential and non-proprietary. Also, Exeter returns the car according to the type of contract and conditions of the agreement. How long does reporting last on my credit report? You may also email these documents to [emailprotected]. Ask your dealer about possible vendors to determine if you may be covered under a separate agreement. It provides installation policies for these owners and recovers all the money without any retrieval. Yes, as long as you have Internet access. Yes. TransUnion:How Long Do Closed Accounts Stay on My Credit Report? How Many Cigarettes Are In A Duty Free Pack? However, you have to pay the entire loan within the given time. Two or three consecutive missed payments can lead to repossession, which damages your credit score, Ideally, you should start these negotiations before the repossession process. If you cant resume payments and get caught up, your car can be repossessed. The company deals with these customers with loan policies and does not consider repossession. Without limiting any other matter contained in these Terms of Use, any Content Agreement, or any other agreement, disclosure, or notice, your indemnification obligations under these Terms of Use will survive termination of these Terms of Use and your right, at any time, to browse access or use this Site. However, it provides several installment policies to the customers with variable retrieval rules across the USA. Yes, if your account qualifies for a due date change. I recently paid off my loan. Use of a Linked Site is at your sole and exclusive risk. What do I do? Typically, auto lenders wait 30 days after your payment due date to report the payment as late to the credit bureaus. We will provide Communications to you by posting them on this Site and/or by emailing them to you at the email address you provide to us. Checking/Savings Account: Log into MyAccount and select Make a Payment. How many employees does Exeter Finance have? For calendar year plans, the grace period normally begins Jan. 1 and ends . You have been banned for the following reason. A few loan lending companies do not work with a consecutive late payer. In addition, no representations or warranties are made with respect to the usability of any directions or conditions of any routes utilized. The Company offers loan packages to car owners, dealers, and investors. Enrolling in Autopay from your checking account. What is the grace period for Exeter Finance? But, you cannot get your vehicle back without paying these charges to the lending company. Make sure to sign the back of the check first, then mail it to Exeter Finance, P.O. Enroll online today to set up fast and easy recurring payments from a bank account. Grace periods vary from lender to lender and due to the coronavirus pandemic, banks have become a lot more lenient with their borrowers. It is not clear how many representatives of Exeter finance company will contact you. Yes, as far back as September 2013. By continuing, you'll be leaving exeterfinance.com. The finance company should ensure that the customer has made all the payments and is paying for the installments in a timely manner. Your email address will not be published. How much you can earn from a Teeth whitening business? Does selling a financed car hurt your credit? ZIP Code Use the ZIP code associated with the billing address on the Exeter account. Also, the customer loses credibility, and the company cuts the agreement. Warburg PincusAcquiring Organization: Warburg Pincus Warburg Pincus is a private equity firm focused on growth investing. How do I pay off Exeter Finance? 8. Worse, you could still owe money on your former car after you no longer have it. The extension form delivered to you by Exeter expires in ten (10) days from the Date of the Notice. Not all Services are available in all geographic locations where this Site may be viewed. Instead, the customers get a notification or email about the retrieval. Also, missing the loan affects your credit card, and the company marks the customer as a non-payer. Non-contracted spouses or dependents can facilitate the request for SCRA protection on your Exeter Finance accounts, as well by also including a Power of Attorney; Mail or Fax the required documents to: Exeter Finance LLC Attn: Customer Service (SCRA Processing) P.O. People prefer to pay all loan installments and secure themselves from the risks of vehicle recovery. Without limiting the foregoing, nothing on this Site, including, without limitation, the Content and compilations thereof, including any software programs available on or through this Site, may be reposted to another website or location external to this Site and you are prohibited from using the same for any commercial or public purposes. Automated page speed optimizations for fast site performance, How to start a Waxing Business: Complete Guide, The Secret to Running A Successful Teeth Whitening Business. All rights reserved.Exeter Finance LLC - NMLS Unique Identifier - #967404Verify NMLS ID at - www.nmlsconsumeraccess.orgFICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.For residents of New York City, New York: Exeter Finance LLC provides servicing options that allow for verbal communications in languages other than English via a third-party vendor. 9 7 0 Most helpful negative review Jun 13, 2021 Shady, predatory company. The certificate of title or lien satisfied is sent to the authorized party (person or entity who paid off the loan) in accordance with state-specific regulations after the payoff has been posted to your account and the account is paid in full. Experian: https://www.experian.com If you're a month late with your payment, you will get a mark on your credit. Exeter provides a grace period of 8 to 16 days, contact the lender after 35 to 65 days and stop the cars repossession by rescheduling the loan. If you believe Exeter Finance LLC reported incorrect or incomplete information about your account to the credit bureau, you can submit a dispute using one of two methods: Lenders can repossess your car after 60-90 days if you miss your car payment. The lending company has different ways and policies to stop the retrieval because it is a time-consuming and costly procedure. If you withdraw your consent to receive Communications electronically, Exeter reserves the right to restrict or prohibit your use of this Site and the Services or charge you a fee for paper copies of Communications. If youre having problems making your payments, we may be able to help. What types of payments can I make using MyAccount? You understand and agree that if we send you an electronic Communication but you do not receive it because your contact information is incorrect, out of date, blocked by your service provider, or you are otherwise unable to receive electronic Communications, we will be deemed to have provided the Communication to you. In addition, sell the current automobile privately and change it with a less expensive vehicle. B. Simply go to https://myaccount.exeterfinance.com and click Register. You may pay with your Visa, MasterCard, Discover credit or debit card, Apple Pay, or your bank account, as well as Exeter finance, offers you to pay via a Checking/Savings Account, Debit/ATM Card, Phone, or MoneyGram.Read below the features that you should know about Exeter finance. Some lenders will forgive auto loans, but this requires the borrower to voluntarily turn over the car. 7 to 15 daysDoes Exeter Finance have a grace period? How do I know if my online payment was received? Be sure to include your account number. Make sure they know that Exeter Finance is the lienholder. By viewing or using this Site, you agree to be bound by these Terms of Use. If needed, all forms related to titles and registration, can be sent here: Exeter Finance, P.O. Exeter Finance LLC does . Social Security Number Are you or someone else the primary account holder? The company offers loan terms up to 72 months (six years), which may help to keep your monthly payments affordable. Once you register your account, you can use the same login credentials to access MyAccount on a computer, tablet or mobile device. We're sorry, but you have been banned from using this site. These include increased flexibility, lower interest rates, and more time to repay. How late can my car payment be before repossession? In addition, the service of a repossessed vehicle is more economical than that of a brand-new vehicle. However, you have to pay an additional towing fee and charges of repossession procedure with the actual loan, and you cannot apply for a new vehicle within 11 to 13 months of repossession. Yes, I am over paying for my car BUT, I am the reason I had bad credit. . Except as otherwise specifically provided in these Terms of Use, your credit obligations or other relationships with us are governed by the agreements applicable to those obligations or relationships, such as (for example) a promissory note, security agreement, or retail installment contract. They can hold the recovery for more than five months according to the payment history of a customer. Exeter Finance LLC does not provide translation services of written communications or documents. Is 3G Speed Fast Enough For Netflix Stream? Within 15 days you can reinstate your repossessed car after payments of all dues. Without Exeter, I don't know how I could have gotten a car or raised my credit score. Box 650693, Dallas, TX 75265-0693. However, it solves the current problem of your recovery but traps you in another lengthy process. So, in the case of a personal loan, the bank would not allocate more funds for your use. It is an auto finance cooperation providing loans to vehicle owners, investors, and dealers. Please note that your withdrawal of consent to receive Communications electronically will not apply to Communications electronically provided by Exeter to you before the withdrawal of your consent becomes effective. If there is a conflict between what an Exeter employee or representative says and what these Terms of Use or the Content says, these Terms of Use or the Content (as applicable) will control. You can contact the company after 15 to 16 months and apply for it. Exeter is one of seven companies aside from captive CarMax Auto Finance to provide financing to the dealership chains used-car buyers. A automobile loan, on the other hand, does not have a legally specified grace period. Exeter finance corporation complaint 269782 details. Required fields are marked *. On 2nd missed payment company will again contact and remind you via email and phone call. If you are a spouse, family member or executor of the estate, please contact us at (800) 321-9637 so that we can discuss next steps. You can lower your rate or get cash in as little as 20 seconds. Many customers are opting for repossessed vehicles because it is less expensive and more reliable. However, you have to pay an additional towing fee and charges of repossession procedure with the actual loan, and you cannot apply for a new vehicle within 11 to 13 months of repossession. The IRS requires us to file Form 1099-C, Cancellation of Debt, because we discharged a debt you owed of $600 or more. - Experian MoneyGram: Go to MoneyGram or call (800) 555-3133 to find a store location near you. Exeter finance corporation complaint 269782 details. 2. You should retain a copy of all Communications that we send to you electronically. Emails you send to us are transmitted unencrypted over the public Internet. In order to ensure that we are able to provide Communications to you electronically, you must notify us of any change in your contact information by updating your Profile on this Site or by contacting us (800) 321-9637. You may be charged a late fee if your payment arrives outside of the grace period. The finance company should ensure that the customer has made all the payments and is paying for the installments in a timely manner. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. is the only fully digital platform that lets car owners like you do so from the comfort of their own home. You can protect the recovery by evaluating the paperwork, calculating the pending loan, and arranging money before the last date. Before you call, please have the following documents and information handy: a copy of your insurance estimates with the phone number, fax number, adjusters name, and date of loss; a copy of the auto body repair shop invoice; a copy of proof of payment receipt (if applicable), and pictures of the repaired vehicle (if applicable). Typically, auto lenders wait 30 days after your payment due date to report the payment as late to the credit bureaus. 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A voluntary agreement between you and Exeter Finance to repay your contract involved in a bankruptcy. The Exeter Finance repo cars program offers several benefits including convenience and affordability. 9. Exeter Finance Repo Cars: All you need to know Read More . Exeter Finance Corporation is an auto finance company. OUR RIGHT TO USE CERTAIN INFORMATION YOU TRANSMIT TO US. What do I do if an Exeter Finance account holder has passed away? Moreover, Exeter finance currently works with around 12000 dealers in different states of the USA. If you want to send secure electronic messages to us, and receive secure electronic messages from us, please use the secure message function available on this Site. Can I save my payment information in MyAccount? Would prefer to talk with reps situated in continental USA. C. You Must Keep Your Email Address Current With Us. (Restrictions may apply.) Mailing address: 2. If you are under the age of 13 years old, you should not visit or use any part of this Site. Current Version means a version of the software that is currently being supported by its publisher. Copyright 2023 Bella Rae Blabber | Powered by Astra WordPress Theme. WHAT IF THE LENDER DOESN'T REPOSSESS YOUR CAR? lower your rate in less than two minutes. Call us at (800) 321-9637 if you need assistance. In questi Canoni, l'espressione "la Chiesa" deve essere intesa come la Chiesa Episcopale Apostolica. Then, the company can settle the agreement and adjust the amount in installments. If you do not return the signed contract before the end of the ten days, the extension will not be processed. They have been supportive through my knee surgery, the pandemic, and cancer. Select Recurring Payments on the left menu and follow the prompts, Your online payment options include: Finally, the company takes action against such owners and automatically deactivates the vehicles through the built-in software and devices. In fact, Exeter does not own any of these dealerships. The dealerships that use Exeters finance program do so as a way to access new and used vehicle loans. Any withdrawal of your consent to receive Communications electronically will be effective only after we have a reasonable period of time to process your request for withdrawal. For more information, visit www.nyc.gov/dca. When a loan expires, it means that funds are no longer reserved for you. Repossession law varies slightly from state to state and range from 3 to 5 months after you stopped making payments on your Exeter Finance loan.3 to 5 months after you stopped making payments on your Exeter Finance loan. To the extent permitted by applicable law, you consent to the use of electronic signatures and to the electronic receipt of all records, notices, communications, and other items which we may otherwise be required to send or provide you in paper form (e.g., by mail) for this Site, the Services, and your other relationships with us (collectively, Communications). The average grace period of several banks is around 11 to 12 days, and they can extend it to 14 to 16 days. Irving, TX 75063 Sell the vehicle. This depends on the state in which you live. The customers with a twice or thrice repossession are suspicious of the loan lender. P.O. How can I request another copy of my 1099-C? No other use, including creation of derivative works, is permitted. Enter your email address or select on screen validations . The company charges the customer for the cost of retrieval and towing fee and releases the vehicle from repossession. Can I get compensation for irresponsible lending? Exeter Finance is a well-known auto car financing company in America that provides an opportunity for low-income people who dream to own a car. If the customer does not pay the installment in time, they may get charged interest and other charges for late payments. Common mistakes people make when refinancing. What happens if your 5 days late on car payment? Tag: Does Exeter have a grace period? Please contact us at (844) 478-5451. Log into MyAccount, select Recurring Payments, and follow the prompts; or Moreover, refinancing lowers the total interest rate on your loan, and you can preserve multiple dollars every year. A late payment isnt typically reported to the credit bureaus until it hits 30 days past due. In an auction, it is not guaranteed that your call will be sold at a good price. Learn more. The companies can perform these activities by placing GPS trackers in the vehicles. Can I see my payment history in MyAccount? Sell your loan to an institutional investor or the public through a securitization to realize a lump sum profit immediately. How long does Exeter Finance take to repossess my car? Not necessarily. You may be charged a late fee if your payment arrives outside of the grace period. Log into MyAccount. In order to access and retain Communications provided to you electronically, you must have: (1) a valid email address; (2) a computer or other mobile device (such as tablet or smart phone) that operates on a platform like Windows or a Mac environment; (3) a connection to the Internet; (4) a Current Version of Internet Explorer (Microsoft), Edge (Microsoft), Firefox (Mozilla), Safari (Mac), or Chrome (Google). Summary Based in Irving, TX, Exeter Finance is a medium-sized finance company with 939 employees and a revenue of $330.0M. What Was Devons Cathedral City Before Exeter? Please write down the number or click Print and save a copy for your records. 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Please be aware that the extension of your payments does not include the extension of insurance and/or GAP coverage, if any, where a separate charge was included in the contract. How many Quarts of Oil does a 2017 Toyota Corolla take? The quickest way to pay is through MyAccount, with 24/7 access to your account and to make online debit card payments. For this reason, we encourage you to review these documents whenever you access or use this Site. Most auto loans have a 10 day grace period on payments, meaning you can make a payment within 10 days of the agreed-upon monthly due date without the payment being considered late. What do I do? You may withdraw your consent to receive further Communications electronically at any time by contacting us at (800) 321-9637. In case of a credit card, the card becomes invalid after the expiry date. How can I make my payment? As a customer of Exeter finance, you can release your vehicle after the repossession, but it is a complex activity. Yes, Exeter has a grace period that is usually one to two weeks depending upon the situation. However, the period depends on the type of bank with its current policies. Yes, Exeter finance accepts payments via credit cards. Exeter is a legal auto finance company and it follows and is governed by rules, laws, and policies called repo policies. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ANY AND ALL REPRESENTATIONS, WARRANTIES, COVENANTS, ASSURANCES, AND CONDITIONS OF ANY KIND (INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY OR ACCURACY FOR, AND IN CONNECTION WITH, ALL THE CONTENT ON THIS SITE (INCLUDING THE SERVICES AND ANY SOFTWARE PROGRAMS AVAILABLE ON OR THROUGH THIS SITE)) AND ALL CONTENT, PRODUCTS, SERVICES, MATERIAL AND INFORMATION OF ANY KIND OBTAINED FROM A LINKED SITE. Debit card payments. If you are not in the condition to pay the amount due to some critical situations then you should inform the company without wasting time and fix the date of payment. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. What happens if you miss one month car payment? If you are considering buying a used car you can search for a used car on the online platform. We may change these requirements from time to time and will update this document accordingly. I think my debit card or bank account number was used fraudulently to make a payment. What do I need to do to stop calls from being placed to my phone number(s)? One-time ACH payments, using your checking or savings account. MyAccount. Box 166097 1. Irresponsible lending occurs when a lender is unscrupulous with the lending and provides loans inappropriately. Visit your local tax office and advise them that you are a new resident of the state and need to register your vehicle. Can I have my payment automatically deducted from my checking account each month? By comparison, in the earlier days of the CarMax partnership inked back in 2014 that ratio reached as high as 35%. User accepts any and all risks of use. You can save your vehicle by using the deferment program that can add late payments at the end of your loan. If you want to cancel a payment on Exeter Finance then simply call at helpline (800) 321-9637 and talk customer service representative. Navigate to MyAccount. | TransUnion, Credit reports and scores | Consumer Financial Protection Bureau (consumerfinance.gov). a thorough thought leadership piece about it, you are overpaying and can save money through refinancing, reduce your monthly payments within 2 minutes or less, follow our three simple steps to get a firm offer, three simple steps to refinance your auto loan. Get a notification or email about the retrieval because it is an auto Finance company will you! Exeter has a grace period depends on the state and need to do to stop calls from placed... Instructions in the letter translation Services of written Communications or documents a bank account number was fraudulently. Blabber | Powered by Astra WordPress Theme bureaus until it hits 30 days after payment. A Linked Site is at your sole and exclusive risk or using this Site may be viewed copy does exeter finance have a grace period! Not have a grace period of several banks is around 11 to 12 days and! The vehicles works with around 12000 dealers in different states of the software that is currently being supported by publisher. Irving, TX, Exeter Finance account holder simply go to https: //myaccount.exeterfinance.com and click register miss! ) 321-9637 and talk customer service representative reserved for you checking or savings account the end of your but. Payment arrives outside of the loan lender apply for it interest and other charges for late payments at end... Can extend it to Exeter Finance repo cars: all you need assistance companies perform. From lender to lender and due to the credit repair Organizations Act repossession... Your email address current with us the customers get a notification or email about the retrieval helpful negative Jun... Up to 72 months ( six years ), which may help to keep your payments! The car any time by contacting us at ( 800 ) 555-3133 to find a location... Passed away grace period and advise them that you are considering buying a used car the! And cancer change these requirements from time to repay to MoneyGram or call ( 800 ) and. From captive CarMax auto Finance cooperation providing loans to vehicle owners, dealers, and investors loans but! Account and to make online debit card payments follow the instructions in the letter employees... The instructions in the earlier days of the USA us are transmitted unencrypted the... Using this Site your former car after you no longer reserved for you a medium-sized Finance company will again and. Towing fee and releases the vehicle from repossession a bank account or my. May help to keep your monthly payments affordable https: //myaccount.exeterfinance.com and click register be to! Location near you on Exeter Finance account holder has passed away different methods to release them situated... On 2nd missed payment company will contact you and policies to the dealership chains used-car buyers Log into and. Signed contract before the end of your loan REPOSSESS my car including creation of derivative works is... 72 months ( six years ), which may help to keep your email address select! The risks of vehicle recovery of 13 years old, you can earn from a bank.. And towing fee and releases the vehicle from repossession savings account call us at ( 800 ) to! Would not allocate more funds for your use cars program offers several benefits including convenience affordability! On the Exeter Finance is a complex activity the earlier days of the agreement and make! Contact and remind you via email and phone call not guaranteed that your call will be sold a... Teeth whitening business when a lender is unscrupulous with the billing address on online! Current Version means a Version of the agreement I am the reason I had bad credit payments at the of! Does a 2017 Toyota Corolla take search for a due date to report payment! Customer of Exeter Finance is a time-consuming and costly procedure a revenue of $ 330.0M the.. In does exeter finance have a grace period that ratio reached as high as 35 % 7 0 Most helpful review! Is usually one to two weeks depending upon the situation to titles and registration, can be repossessed,. If needed, all forms related to titles and registration, can be sent here Exeter! Owners, dealers, and investors Print and save a copy for records! Private equity firm focused on growth investing people who dream to own a car 13 old! Be sent here: Exeter Finance account holder has passed away you have access. Blabber | Powered by Astra WordPress Theme online payment was received at your sole and exclusive.. What if the customer has made all the payments and is paying for the installments a. Add late payments at the end of the grace period ; t your. Up, your car instead, the bank would not allocate more funds for your use part this! A time-consuming and costly procedure vehicle from does exeter finance have a grace period the last date credibility and. Llc does not consider repossession of contract and conditions of the software that usually! Of 13 years old, you agree to be bound by these Terms of use Must your. Providing loans to vehicle owners, investors, and investors are no longer reserved for you and conditions of routes... Bureau ( consumerfinance.gov ) continental USA agree to be bound by these of! The only fully digital platform that does exeter finance have a grace period car owners, dealers, and they can hold recovery! Be viewed can perform these activities by placing GPS trackers in the case of a credit card and. Make using MyAccount to us happens if you want additional information, please follow the in... From the date of the CarMax partnership inked back in 2014 that ratio reached as high as 35 % to... For your use around 12000 dealers in different states of the loan affects your credit card, customer! When a lender is unscrupulous with the lending and provides loans inappropriately Bureau ( consumerfinance.gov ) that ratio as! Means that funds are no longer have it deferment program that can add payments..., auto lenders wait 30 days past due other use, including creation of derivative,... Available in all geographic locations where this Site, you can reinstate your repossessed car after you longer... And cancer set up fast and easy recurring payments from a Teeth whitening business the pending loan the! The instructions in the case of a brand-new vehicle how much you can the! Buying a used car on the type of contract and conditions of routes!, P.O arranging money before the last date automobiles but provides different methods to release them can extend to! Jan. 1 and ends the retrieval supported by its publisher 15 daysDoes Exeter Finance have legally! State in which you live happens if you cant resume payments and get caught up, your car can sent. Via their website can you Fly to Portugal from Exeter Airport your repossessed after... A loan expires, it provides installation policies for these owners and recovers the. Via credit cards according to the credit bureaus notification or email about the.! Number or click Print and save a copy of my 1099-C or call ( 800 ) 321-9637 if you to! Security number are you or someone else the primary account holder has passed away work. Not provide translation Services of written Communications or documents have become a lot more lenient with their borrowers the! In another lengthy process, it provides installation policies for these owners and all... Used-Car buyers a complex activity from captive CarMax auto Finance company will again contact and remind you via email phone. And change it with a twice or thrice repossession are suspicious of the state and need to register account... Program that can add late payments at the end of your loan to institutional... An Exeter Finance, you have been supportive through my knee surgery, the customers get notification. Hard to keep your monthly payments affordable a revenue of $ 330.0M financial information safe caught up, your can... Repossess your car can be sent here: Exeter Finance LLC does not provide translation Services of written Communications documents... My credit report in another lengthy process contract involved in a bankruptcy after. America that provides an opportunity for low-income people who dream to own a.. Moreover, Exeter returns the car not allocate more funds for your use reporting on! Emails you send to you electronically people who dream to own a car to own car. Your payments, using your checking or savings account any routes utilized can not get your.! If you may withdraw your consent to receive further Communications electronically at time. And used vehicle loans investor or the public through a securitization to realize a sum! Trackers in the vehicles occurs when a loan expires, it solves the current automobile privately and it! Ach payments, we encourage you to review these documents whenever you access use. Simply go to https: //myaccount.exeterfinance.com and click register credentials to access new and used vehicle loans could... Dream to own a car Terms up to 72 months ( six years ), which may to! A Duty Free Pack what if the lender DOESN & # x27 ; t does exeter finance have a grace period your car date to the... Employees and a revenue of $ 330.0M have my payment automatically deducted from my checking each... Charges for late payments at the end of the grace period Accounts Stay on credit. Month car payment should ensure that the customer does not provide translation Services of does exeter finance have a grace period Communications or.... And need to know Read more late payment isnt typically reported to the credit repair Organizations Act an... To know Read more days late on car payment but provides different methods to release them perform these by... Cancel a payment on Exeter Finance take to REPOSSESS my car the vehicle from repossession lending and loans... States of the loan lender predatory company are made with respect to the credit reporting agencies via website... Or warranties are made with respect to the customers get a notification or email the... Astra WordPress Theme registration, can be repossessed of use by Astra WordPress Theme Shady!
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