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Dear Jo, I already know I can apply to the court to have it removed. This was not my question. I was asking for a point of law which would ensure it would be overturned when I go to apply. If you can provide me with one I would be happy to pay. Otherwise I am sorry I am not and ask for confirmation that my card has not been charged. I entered into this service on the basis that if I was unhappy I would not get charged. Yours sincerely, ***** *****