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It's the plumber, I've come to rip you off!
Tracy - go after the owner with everything you have. It's his fault he hired a sketchy mono like this. Don't they have to be bonded or something to enter people's homes?
He owes you, period. You should NOT have to pay in ANY way (including higher premiums) for this.
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It is all 33girl's fault. ~DrPhil
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