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Reference: [Insert Reference]

Dear [Insert Recipient's Name



From the information provided it would appear that the item was stolen when left in your unsecured, unattended motor vehicle.

We therefore regret that we are unable to meet your claim on this occasion.

However, we are prepared to offer a premium refund on the Agreement. Please return your original Agreement certificate to me indicating that you require the refund I have offered you. I will then be able to arrange for you to receive a full refund.

Yours sincerely


JAM...