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I'll call back later direct switch from effexor to zoloft The fact they were misinformed highlighted the complexity of the arrangements and has deterred Mr Scarfe. He said: “We decided not to pay the full asking price.” He suspects the existence of the Help to Buy scheme could encourage developers to overprice properties. “Even with the scheme helping us with a bigger deposit and lower rates, it still seemed unreasonable to be forced into paying over the odds.”