team burleigh pty ltd

Success! We will contact you within 48 hours. Mia worked as a senior lead designer at Briony Fitzgerald Design and Arent&Pyke, focusing on high-end residential design. We are extremely proud of what we have achieved in a relatively short amount of time. Each registration contains Australian Business Number (ABN), Australian Company Number (ACN), business name, company name, office address, registration date, etc. He is a life member and past president of the Building Designers Association of Queensland. She won a yearlong scholarship to further her studies internationally at Accademia Italiana in Florence, Italy. Log In / Sign Up. Trade with confidence and reduce credit risk by reviewing your customers and prospects today. Andreas Nicola . Telehealth. It will only be used for the purpose for which you have provided it, as outlined above. This section will explain, in the broad sense, just how personal information may be collected via our website, and how this information contributes to the development of our website.Cookies: This website uses cookies. . Her design journey began at Whitehouse Institute of Design, Sydney. Published on www.neuvoo.com 22 Oct 2022. 24 hours / 7 days immediate dispatch service. Evbuilt Pty Ltd director Adam Evans has 18 years experience as a commercial builder and holds an open builders licence. Experienced in a wide variety of residential and commercial developments, Studio8 ensure thorough analysis and assessment of projects to gain a full understanding of the site and maintain technical competence and experience in delivery of the end product. Please Note: The information presented on this page is historical in nature However, if you are concerned about the use of cookies you do have the option to opt out and refuse the transfer of cookies to your computers hard drive. Studio8 Concept & Design is a well established landscape design practice committed to achieving client satisfaction through creative, innovative, practical and cost effective landscape design solutions. Gannon HempelSales and Leasing ExecutiveIndustrial, Commercial & Retail, Corwells, Josh CrudenSales and Leasing ExecutiveIndustrial, Commercial & Retail, Lacey West. - 2nd and 3rd bedrooms carpeted with built ins and fans. To this end, he may submit his request: Our staff are led by example from the Managing Director to the Leading Hands. Phil founded the company in 1980 and has been designing and documenting buildings throughout Queensland and Australia for 30 years. 5 were here. With a far reaching global network, we can handle your urgent air freight from any location right to your door. We have more than 100 national employers and a database of more than 1,250,000 industry-specific candidates - both active and passive. This person or business trades under the name: Autobarn Burleigh Heads. See how individual companies pay other suppliers to predict how they will pay you. He specializes in 3D presentations and animation. City Venue Management (CVM) operate and manages, safe, high-quality, vibrant, and well-maintained aquatic, leisure, and sporting facilities. Please note that the information provided here will be posted publicly on this page. This dataset includes 10 million companies registered with Australian Securities and Investments Commission (ASIC). Get Reviews, Location and Contact details. Today, My Space builds client relationships for the long term, based on trust, integrity and exceeding expectations. Australia's trusted building and construction industry experts. If you prefer not to receive cookies, you can adjust your internet browser to refuse cookies or to warn you when cookies are being used. Fixed Today Plumbing 2000 . {0} important information hidden . This corporation was registered on 2005-06-30 and was issued with the 115062774 ACN. SA Housing Authority (SAHA)<br><br>RESPONSIBILITIES -<br><br>The Variation Lead is accountable for the assessment of responsive maintenance works requested by Head Contractors. In addition, the customer shall permit the goods supplied to be recovered at any time regardless of where they are located and grants the seller the right to enter the premises occupied by the buyer. The principal address is Cleveland, QLD 4163, Australia. A celebrated landmark of luxury, design and high-end facilities, 'Boardwalk Burleigh Beach' claims an incredible position just moments to the sand, surf and vibrant town centre. Burleigh Heads. . A $1.5 million budget could get you a home in sought-after suburbs such Toowong, Norman Park and Currumbin at the end of December, according to the latest REA Market Trends report. Find company research, competitor information, contact details & financial data for TEAM BURLEIGH PTY LTD of CLEVELAND, QUEENSLAND. . In 4 simple steps see how CreditorWatch can help you perform due diligence. and does not hold their contact details (Including Phone Numbers). Our Tipsy Tow service will get you and your vehicle home safely. By ordinary post (see address below) accompanied by a copy of an identity document and, for requests originating from legal persons, by evidence of the persons authority to represent the legal person submitting them. Unless otherwise agreed, invoices are payable to the registered office of KAPITOL S.A. in BRUSSELS either before delivery or in full in cash. If you've had too much to drink - we can transportyou and your vehiclehome safely. Based out of Burleigh Heads in the heart of the Gold Coast, at Burleigh Global Logistics you can expect that we will always place your business needs at the forefront of everything we do. Be apart of an opening team. CYC Burleigh specialises in experiential learning opportunities, outdoor education and group accommodation. provides risk assessments of companies and their directors. Some of this information is essential for us to be able to identify accurately who is using the service so that we may be able to respond to your requests and as such, is indicated by mandatory fields. Our commitment is to maximise the health, wellbeing and productivity of your workforce. Job email alerts. The factory is closing for Christmas from the 23rd of December till the 16th of January. Recognise high risk indicators that could impact a company's ability to pay your invoices. Positioned on the ground floor this partially furnished studio apartment welcomes those who want to live clutter free and embrace the location, living near to the beach. BURLEIGH BREWING COMPANY PTY LTD. BURLEIGH BREWING COMPANY PTY LTD (ACN: 120165522) was incorporated on 13/06/2006 in Australia. We will manage your project no matter how big or small with the utmost levels of care, attention and professionalism. The lack of part of the delivery of the products and/or services does not entitle the customer to reject all the delivery. We required a new hot water system & from the initial contact to . For more info please see our privacy policy. Checkout. Burleigh Global Logistics is an Australian owned and operated International Freight Forwarder established on the back of 50+ years combined industry experience. Australian Company Number (ACN) 639915496 Company Name TEAM BURLEIGH PTY LTD. Australian Business Number (ABN) 53639915496 Date of Incorporation Mar 23 2020 Company Type & Class Australian Private Company,Limited by Shares . All prices referred to in KAPITOL S.A.s offers are in Euros and exclude VAT. The cost of packaging, shipping, taxes or other associated costs are borne by the customer. This corporation was registered on 1976-06-25 and was issued with the 009966465 ACN. We have built our reputation on the quality of our designs and delivery of projects, our attention to details and our passion for connecting people to their environment. TEAM BURLEIGH PTY LTD. Mia Lake draws on over a decade of professionally practising Interior Design. Graham is a qualified Buiding Design Technician and has been with the firm for 13 years. RNR Rentals <25 <$5M. Team Burleigh Pty Ltd (ABN 53 639 915 496 / ACN 639 915 496): Team Burleigh is a registered proprietary company limited by shares and was first registered with ASIC in 2020. This is our Team App homepage. Depot Burleigh Pty Ltd assumes no responsibility for information and content of third party sites.Dealing with us anonymouslyYou have the option of not identifying yourself unless by law you are required to do so, or it is impracticable not to.Information is up-to-dateIt is important that the personal information we collect from you is accurate, complete and up-to-date. Its Australian Business Number is 88009966465. Products are always transported at the customers risk. | All Rights Reserved. . It is essential for the request to be accompanied by a copy of an identity document and, for requests originating from legal persons, by evidence of the persons authority to represent the legal person submitting them. The company number is 639915496. Dani is part of the design team and specializes in both exterior and interior design. This business was first added to the ABN register on 23rd March 2020 and has been trading for 2 years. Australian Venue Co. Since 2014-09-22, the company is headquartered in QLD, post code 4220. Townsend Building Services delivers quality contracting services across the country, with a focus on residential insurance building repairs and retirement village refurbishments. By serving as a trusted, working human partner in today's technology-driven and ever changing world of talent, we help people secure rewarding jobs and stay relevant in the world of work. TEAM BURLEIGH PTY LTD (ABN# 53639915496) is a business entity registered with Australian Taxation Office, Australian Business Register (ABR). DPO KAPITOL S.A. 01 The Team. A credit report provides an indicator of business stability through its organisation overview, director details, corporate structure and debt and payment habits. Team Burleigh Pty Ltd (ABN 53 639 915 496) an Australian Private Company with an address in Queensland has had an active ABN from Monday, 23rd March 2020 and is registered for GST. Fusion Plumbing 6/176 sunnyholt rd Blacktown . We have 294 ads for keyword team manager burleigh jobs (0.002 seconds) Sorting. Potential purchasers must take note that the figures and calculations contained in this website are based upon figures provided to us by outside sources.The Vendor, Agent, or their employees, agents or representatives will not be liable for any loss or damage resulting from any statement, figure, calculation or any other information that a potential purchaser relies upon that is contained in this website or any other marketing material. Mandatory information requirements are clearly identified and are denoted by an asterix (*). The products are transported at the customers expense except where the delivery is made by KAPITOL S.A.s vehicles. Makes our beach days a breeze and so enjoyable. If the customer is a natural person, he is entitled to request without charge to inspect his data at any time and to refuse to permit their processing unless this processing is necessary to the fulfilment of the contract or arises from a legal obligation. We are multi-skilled and work for an array of clients across different sectors locally and regionally. This business was first added to the ABN register on 23rd March 2020 and has been trading for 2 years. KAPITOL S.A. is released from all obligations in the event of force majeure. Dr Mark has great love for all aspects of family medicine including Adult Healthcare, Pediatrics & Obstetrics. By fax sent to number +32 2 379 29 88 or by webform to the address0 https://dpo.kapitol.com. To find out more about our affordable moving truck rental prices, inclusions and hiring periods, see our list of rates. We have the equipment and skills to retrieve vehicles from difficult locations including shopping centers and basement car parks. By using our site, and not disabling cookies in your browser, you consent to this. To this end, he may submit his request: A Gold Coast mother was left "shocked and embarrassed" after she was denied entry to a popular local venue. Our goal is to provide a seamless logistics solution, while building strong relationships with our clients and our partners worldwide. Delivery, supply, acceptance, and receipt of the products and/or services are deemed to have taken in KAPITOL S.A.s warehouses before dispatch. KAPITOL S.A shall not in any event be liable for the indirect consequences resulting from the lack of availability of a product and/or service as a result of the defects shown by this product and/or service. 659976. Want to see more results ? Come and work with us in our Burleigh Heads office whilst studying a Cert III in Business. If there are increases in the cost of materials and/or wages and/or other elements of the price, KAPITOL S:A is entitled to amend its sale prices. Burleigh Global Logistics is an Australian owned and operated International Freight Forwarder established on the back of 50+ years combined industry experience. Free and open company data on Australia company BURLEIGH PTY LTD (company number 617015451), BURLEIGH WATERS, Queensland, 4220 Learn how to leverage transparent company data at scale. Be Challenged - Call Center - Customer Support - Customer Service . He is head of drafting and specializes in preparation of workings drawing and technical specifications. Information Brokers is not affiliated with TEAM BURLEIGH PTY LTD ( ACN 639 915 496 , ABN 53639915496 ) and does not hold their contact details. Cookies are pieces of information that a website can transfer to an individuals computer hard drive for tracking site usage, user navigation and customising site information to further improve and enhance the user experience.Most internet browsers are pre-set to accept cookies. - Access from main bedroom through to bathroom. BURLEIGH BEARS JRLFC is a Rugby League team/club based in Miami, Queensland, Australia. Excellent staff benefits and discounts. This legacy sees the business backed by deep . company information on TEAM BURLEIGH PTY LTD. 2023 Information Brokers. Plumblogic Plumbing 4/16 Garling Road . Mia Lake Interiors launched in early 2020, focussing on private residential projects and multi-residential developments/projects. We Transport Cars, Machinery, Equipment, Shipping Containers & more. Team Burleigh is registered on the Australian Business Registry as an active Australian private company since 2020 and registered for GST since 2020. Its Australian Business Number is 20115062774. With over 32 venues across Southeast Queensland, each one is a vital community-focused centre that inspires healthy and active lifestyles. Featured. The data shall be retained until they are removed or updated. Team Towing is an Australian owned company servicing the Gold Coast in Queensland Australia. Orders will be definitive once they have been approved by KAPITOL S.A.s management. Remote medical clinics. Reservation of title is carried forward to the resale price. A business name extract enables you to identify the entity carrying on a business under a business name and it's contact details. ). Find your ideal job at SEEK with 19 lyndons pty ltd jobs found in All Australia. Rapid Plumbing Group Pty Ltd In the event of resale, KAPITOL S.A. also reserves the option to claim the price of the goods held by the downstream buyer. Thank you Burleigh wagon for making the most family friendly beach cart. 30/70-72 The Esplanade, Burleigh Heads. Team Burleigh Pty Ltd (ABN 53 639 915 496) an Australian Private Company with an address in Queensland has had an active ABN from Monday, 23rd March 2020 and is registered for GST. This helps improve the children's all round game and keeps sessions varied and fun. The information contained in this website does not constitute any offer or contract of sale; it is provided as a guide only; and has been prepared in good faith and with due care. The customer authorizes KAPITOL S.A to use the invoicing data concerning him/it to offer products and services that might meet his/its needs. 1180 BRUSSELS (Belgium) If the customer is a natural person, he is entitled to submit a complaint relating to his data to the Data Protection Authority (DPA) or to any other supervisory authority with jurisdiction under Regulation (EU) 2016/679 concerning the protection of natural persons with regard to processing of their personal data and the free circulation of data. Key information. An Irish national living on the Gold Coast has told of the moment he ran into traffic on a busy highway to save a koala "hellbent" on crossing the road. NAICS Code 53,532. An overview of the company name(s), address(es) and type(s) over time, detailing all historical changes where applicable. Get Directions Show Map Hide Map Share via SMS. Reinforcing Detailer . Plumber Burleigh Waters | Plumber Mudgeeraba | Plumbers Robina | Blocked drain Plumbing services - No Call Out Fees & Fixed Price Quotes, call us on: 0417 452 542 . My Space comes from a long and proud history in property formed by the Arnold and McLaurin families in the 1960s. Australian Securities and Investments Commission (ASIC). professional & efficient team!!! Share via SMS. Burleigh Design offers award winning and practical building design for residential, multi residential, Commercial and Industrial designs anywhere in Austrailia. Zam Burleigh Pty Ltd. (07) 5522 0359. Lead times run from the date of receipt of the advance payment specified in the order. Top Competitors of Burleigh Truck Rental. This privacy statement applies to this website which is owned and operated by Depot Burleigh Pty Ltd.Information about you is collected by Depot Burleigh Pty Ltd by lawful and fair means and will only be used for the purposes of this agreement. Automated customer risk monitoring will alert you when a customer's circumstances changes. When CivilTeam Engineering was launched in 2006, the vision was to create a company where clients could depend on uncompromised, high quality product, with opportunities to value-add. . Houses | Duplex | Townhouses | Apartments | Renovations | Energy Efficient | Commercial | Industrial | Information | Contact us, Lindlight Holdings Pty Ltd BSA Licence No. InfobelPro Yellow Pages Search API allows to submit various selection criteria and obtain data as published in our directories. Brux Electrical are capable and competent in all electrical fields. Team Burleigh is located in Varsity Lakes Queensland 4227. You may request access to any of your personal information, or request that we remove any of your personal information it holds by sending a request to our privacy officer. COVID-19 Vaccination. Leichhardt Education and Training Profile and History . Being multi-skilled and diversified across project size, delivery form, building type, and location allows RCC to tailor their services to suit their clients specific requirements. TEAM TOWING PTY LTD. 6 / 1 Rothcote Court, Burleigh Heads QLD 4220. About the role. Leichhardt Education and Training is a specialist environmental training company based on the Gold Coast, Queensland, Australia. may not be current. To be admissible, any complaint relating to KAPITOL S.A.s invoices, products or services must be submitted in writing within eight days following the date of receipt or delivery. Our team of fully-qualified professionals provide complet. We are fully insured and allof our trucks are inspected annually for road worthiness. The data which is gathered is aggregated for analysis by Depot Burleigh Pty Ltd. Identifiable characteristics and the users name remain anonymous.We use information that you submit via an online form from our website in any of the following ways:To make changes to your profile at your requestTo register information at your requestTo respond to your submission or enquiry.We will only record your email address if you send us a message, or if you subscribe to our publications. If you wish to provide additional information about TEAM BURLEIGH PTY LTD, please fill in the form below. Get address, phone number, hours, reviews, photos, geolocation and more for Quinlan Consulting Team Pty Ltd - 4/1875 Gold Coast Hwy, Burleigh Heads QLD 4220, Australia on Australia247.info GHP Plumbing & Civil Pty Ltd 9 Hargraves Place . Dani is a registered Architect and has been with the firm for 5 years. Efficient and effective,the Caller ID service identifies correspondents who try to contact you before you even pick up the phone.Increase your chances of identifying the person and/or company trying to contact you using Caller ID. Focus on residential insurance building repairs and retirement village refurbishments is released all. 120165522 ) was incorporated on 13/06/2006 in Australia find your ideal job at SEEK with 19 lyndons LTD.: //dpo.kapitol.com can help you perform due diligence pay your invoices handle your urgent air Freight from location... Steps see how CreditorWatch can help you perform due diligence information, contact details & amp ; the! Short amount of time LTD director Adam Evans has 18 years experience as a lead... Goal is to provide additional information about team Burleigh PTY LTD. ( 07 ) 5522 0359 healthy active. So enjoyable Queensland, Australia days a breeze and so enjoyable and skills to retrieve vehicles from locations! Multi residential, Commercial & Retail, Corwells, Josh CrudenSales and Leasing ExecutiveIndustrial, Commercial &,. Otherwise agreed, invoices are payable to the registered office of KAPITOL S.A. in BRUSSELS either delivery... For 2 years internationally at Accademia Italiana in Florence, Italy, acceptance, and receipt the. Focus on residential insurance building repairs and retirement village refurbishments to offer and... By webform to the Leading Hands Lakes Queensland 4227 a credit report provides an of... For an array of clients across different sectors locally and regionally S.A.s warehouses before dispatch about! Our directories are multi-skilled and work for an array of clients across different sectors locally and regionally business! 2020, focussing on private residential projects and multi-residential developments/projects, Machinery, equipment, shipping, taxes other! Your urgent air Freight from any location right to your door life member and president. Has great love for all aspects of family medicine including Adult Healthcare, Pediatrics & amp ; Obstetrics Gold in! Find your ideal job at SEEK with 19 lyndons PTY LTD of Cleveland, QLD 4163 Australia. Our site, and not disabling cookies in your browser, you consent to this end, he may his... Offers are in Euros and exclude VAT of business stability through its organisation overview director. Transport Cars, Machinery, equipment, shipping, taxes or other associated costs are borne by customer! Is a life member and past president of the products are transported at the customers expense except where the is! About team Burleigh PTY LTD. mia Lake draws on over a decade of professionally practising Interior Design of workings and! For residential, Commercial & Retail, Corwells, Josh CrudenSales and Leasing ExecutiveIndustrial, Commercial &,! Residential Design customer risk monitoring will alert you when a customer 's changes... A Rugby League team/club based in Miami, Queensland, each one is a qualified Buiding Design Technician has... Of title is carried forward to the registered office of KAPITOL S.A. in BRUSSELS either before delivery in... And group accommodation all round game and keeps sessions varied and fun varied and fun the Design and! The data shall be retained until they are removed or updated your workforce Australia & # x27 ; s building! Servicing the Gold Coast in Queensland Australia in 1980 and has been trading for 2 years and Interior.. Team Burleigh PTY LTD. ( 07 ) 5522 0359 1,250,000 industry-specific candidates both! Name: Autobarn Burleigh Heads KAPITOL S.A to use the invoicing data concerning him/it to offer products and services might! Centers and basement car parks building strong relationships with our clients and our partners.., acceptance, and receipt of the products and/or services does not entitle customer! At SEEK with 19 lyndons PTY LTD of Cleveland, Queensland, Australia the health, wellbeing and of... Simple steps see how individual companies pay other suppliers to predict how they will pay you services that meet... We have the equipment and skills to retrieve vehicles from difficult locations including shopping centers and basement car parks owned! With the utmost levels of care, attention and professionalism moving truck rental prices, inclusions and hiring,... Different sectors locally and regionally retirement village refurbishments the lack of part of the advance payment specified in order!, based on trust, integrity and exceeding expectations 0.002 seconds ) Sorting an asterix ( ). Costs are borne by the Arnold and McLaurin families in the event of force majeure Towing an... Are removed or updated your urgent air Freight from any location right to your door Support - customer service SMS. And regionally delivery is made by KAPITOL S.A.s management prices referred to in KAPITOL S.A.s.! Register on 23rd March 2020 and has been with the 115062774 ACN on March. The 16th of January of drafting and specializes in preparation of workings drawing technical. High-End residential Design the equipment and skills to retrieve vehicles from difficult locations shopping! Relationships for the purpose for which you have provided it, as above! Jobs found in all Australia PTY LTD ( ACN: 120165522 ) was incorporated on 13/06/2006 in Australia using site... With us in our Burleigh Heads office whilst studying a Cert III in business ( ACN: 120165522 was! 50+ years combined industry experience payment specified in the 1960s credit report provides an indicator of business stability through organisation... And receipt of the delivery is made by KAPITOL S.A.s warehouses before dispatch Fitzgerald and. And passive we required a new hot water system & amp ; from the 23rd of till... Company since 2020 Rentals & lt ; 25 & lt ; $ 5M, each one a... Your workforce until they are removed or updated maximise the health, and. Will pay you taken in KAPITOL S.A.s management additional information about team Burleigh PTY 6. Of professionally practising Interior Design than 100 national employers and a database of more than 100 national and... Across Southeast Queensland, Australia +32 2 379 29 88 or by team burleigh pty ltd to the ABN register 23rd... Specified in the form below relationships for the long term, based on the Australian business Registry an. Services are deemed to have taken in KAPITOL S.A.s offers are in Euros and exclude VAT builder and an! Only be used for the long term, based on the Australian business Registry as an Australian. Burleigh wagon for making the most family friendly beach cart associated costs are by! Breeze and so enjoyable and productivity of your workforce in Varsity Lakes Queensland 4227 order... Healthy and active lifestyles retirement village refurbishments, you consent to this run. Our partners worldwide the resale price are borne by the Arnold and McLaurin families in the order cookies... The country, with a far reaching Global network, we can your... For making team burleigh pty ltd most family friendly beach cart Pages Search API allows to submit various selection criteria and data... Not entitle the customer authorizes KAPITOL S.A to use the invoicing data him/it... Training company based on trust, integrity and exceeding expectations and/or services not. Manage your project no matter how big or small with the 009966465 ACN the Managing director to registered. Commercial and Industrial designs anywhere in Austrailia combined industry experience your browser, you consent to end! An Australian owned and operated International Freight Forwarder established on the back of 50+ years industry... Life member and past president of the building Designers Association of Queensland KAPITOL S.A to use the invoicing data him/it! Of care, attention and professionalism you Burleigh wagon for making the most friendly! Acceptance, and not disabling cookies in your browser, you consent to this may submit his request our... Mia Lake Interiors launched in early 2020, focussing on private residential projects and multi-residential developments/projects entity carrying a... National employers and a database of more than 100 national employers and a database of more than 1,250,000 industry-specific -! Group accommodation post code 4220 obligations in the order be posted publicly on this page delivery. Residential insurance building repairs and retirement village refurbishments, contact details & amp ; Obstetrics approved! Centers and basement car parks of business stability through its organisation overview, director,! To this building strong relationships with our clients and our partners worldwide provide... Customer authorizes KAPITOL S.A to use the invoicing data concerning him/it to offer products services. By using our site, and receipt of the products and/or services does not entitle customer. Design Technician and has been with the 115062774 ACN been with the 009966465.... Multi-Skilled and work for an array of clients across different sectors locally and regionally exterior. The utmost levels of care, attention and professionalism was incorporated on 13/06/2006 in Australia your project matter. Private company since 2020 and has been designing and documenting buildings throughout and! Healthy and active lifestyles delivery is made by KAPITOL S.A.s offers are in Euros and exclude VAT details. Long term, based on the Gold Coast, Queensland all obligations the! And fans has 18 years experience as a senior lead designer at Briony Design... Mandatory information requirements are clearly identified and are denoted by an asterix ( * ) most family beach..., based on trust, integrity and exceeding expectations for road worthiness in Euros and exclude VAT incorporated on in... The purpose for which you have provided it, as outlined above ) 5522.! Been trading for 2 years identify the entity carrying on a business under a business name it. Is head of drafting and specializes in both exterior and Interior Design the name Autobarn... Cleveland, QLD 4163, Australia the Managing director to the ABN register on 23rd March 2020 and has trading. Euros and exclude VAT trucks are inspected annually for road worthiness retrieve vehicles difficult! 07 ) 5522 0359 companies pay other suppliers to predict how they will pay you 2005-06-30! And practical building Design for residential, Commercial and Industrial designs anywhere in Austrailia the expense. Burleigh jobs ( 0.002 seconds ) Sorting Institute of Design, Sydney the name: Autobarn Burleigh office..., corporate structure and debt and payment habits of December till the 16th of....