>>will find basic users can create groups (chats) yet the permisiions are set to not allow that
Make sure that this action is disabled in "User Credits" plugin.
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Skalfa LLC
In both situations if you would like to prioritize user role's
influence, just click on "disable" button located next to each action of
the "User Credits" plugin. In this case system will ignore settings of
the "User Credits" plugin and will follow only the logic of user roles
feature.
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Let me know if this doesn't help.