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'Third party capture' always amused me as an emotive phrase and it seems to be particularly popular in a few claimant factories in Liverpool.

However, the logic must now really horrify these dancing tv advert merchants - that if they had a real choice, most claimants wouldn't bother and the intelligent ones with a £5k claim might pursue it themselves without the need for 18 - 25 year-old claims handlers in business parks.

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