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You’re not being ripped off. Like many of my colleagues I only quote and charge for the initial application. The reason being that sometimes no separate stage 2 paperwork is required, people may want to do it themselves, people can no longer be contacted or the relationship has broken down in the meantime.

If an existing client asks me to do the stage 2 for them, I offer them a reduced fee. My contract stipulates exactly what is included and clearly excludes the stage 2. Your contract should have something similar in it.
 
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