H Covie I do understand this but there must be some type of way to protect the Hub members. When you ask for a loan from the bank,they frist check you out. Why cant the Hub do that ? I have also been done in when i bought a tean flx merida from a guy and found out the next day the frame was damaged,after trying to get hold of him again all this contact details had changed ,cell,id,address,and before you say it was my fault,cycle lab gave me the full bill of health on this bike. So its really up to the hub forum. Regards Ab