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thank you for your offer but I don't need it.
I was very grateful to your prompt reply to my query - the answer I already knew, I just wanted to double check.
I'm now nearly 80 years old and on a very reduced - if I ever need you help, of course I will contact you.
In the meantime, could you please ask who is ever responsible, not to keep sending queries about the service I've received - I've answered it now many times.I'm assuming that the £22 fee has been charged to my debit card, thank you, Gillian.K.