Critical spot for large merchant and large cargo is right behind the bow mast, the first mast IIRC. When atacking LM/LC I push the fire button right when the mast crosses the crosshair of the periscope. One torp, set at impact pistol, 4 m depth, is all you need to sink it. Sometimes it sinks right away, other time it takes up to 15 minutes to sink.
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xlbob
GWX v 2 
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