Jump to content


  • Tweets

  • Posts

    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

A bit of help for you with RBoS charges


isidore
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2581 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Firstly, the spreadsheet I used was mindzai's which you can find by looking at his profile page - there should be a link to the spreadsheet there.

 

Over the years, when I received my statements, along with it came an extra page outlining my monthly charge for the previous month. This was made up of my arranged charge(s) - in my case Royalties (I know, I'm foolish...). On top of this however, there would generally be other charges. If I had had a bad month and gone overdrawn, there would be an arrangement fee added to this charge of £28 (or sometimes more). It would then tell me that the sum would be debited from my bank on a certain date (next month) and come the date of charging, there would be an entry on my statement that read "CHG A/C 12345678" (12345678 being my account number).

 

Now when I received my duplicate statements having sent an S.A.R - (Subject Access Request), none of these breakdown sheets were sent so I was a bit stuck, I knew that some of the amount charged on these charges I could claim back and some of it I couldn't (because the Royalties charge for example, is a service and is therefore unclaimable).

 

Using my statements as a guide to what level of royalties I had (I have at some stage been on Royalties, Gold and Premium and at the top of each statement it will tell you what type of account it is during that month) I basically deducted the monthly Royalties fee from the CHG A/C charge therefore leaving the amount I could claim back.

 

When setting up your first statement (for your prelim) ensure you add to this any overdraft interest that you can claim back. DO NOT GET THIS CONFUSED WITH 8% INTEREST YOU ADD TO YOUR CLAIM AT COURT STAGE. Overdraft interest is the interest that is charged to your account on a monthly basis when you are overdrawn. This interest is calculated on any amount that exceeds your interest free overdraft (not your agreed overdraft limit). Because your unlawful charges contribute to your overdraft, the interest that is charged against these charges can be claimed back from stage one.

 

On the spreadsheet, enter the date the interest was debited, the amount charged, the interest free overdraft amount and the balance of your account at the time of the interest charge and the spreadsheet does the rest. It calculates the difference between your overdraft at the time and your interest free amount to find out how much the interest was charged against. It then finds out what percentage of your overdraft is made up of charges and adds this to the claim.

 

To explain in layman's terms what the spreadsheet does, if you were £600 overdrawn and had an interest free amount of £100, were charged £50 in charges and were deducted £10 in overdraft interest, the spreadsheet would calculate:

 

Overdraft £600 minus Interest Free £100 equals £500

Charge amount £50 as percentage of Chargeable overdaft £500 equals 10%

Amount claimable equals 10% of interest charge of £10 equals £1

 

Royalties interest free amounts are easy to find out, just ring RBS and ask them! The current amounts are (or at least were when I did mine) Basic 100, Gold 250, Premier 500. Anything over these amounts (whether it is an agreed amount or not) is charged interest. The obvious issue here is Royalties charges have changed over time and it is difficult to pinpoint when they have changed. For the sake of keeping things simple, I didn't bother finding out, just used the current levels and said so in my prelim - the bank can always amend if they want to (which I doubt they will).

 

Finally, you can find a list of all charges and their amounts going back as far as 1993 here. This can give you an idea of what charges can be reclaimed and how much they were at the time of the charge you are reviewing. An extremely useful post!!

 

 

 

Had a couple of questions regarding this over pm, thought I would post a couple of them as they may be of use also.....

 

Did the same royalties charges apply in the Years 2000 - 2004?

Can't say for sure, but I added to the letter that I was using the current charges at time of writing to them. Note, I believe some ppl in RBS forum are attempting to obtain a list of historical royalties charges.

 

CHG to 06JUL A/C £3.00

CHG to 04AUG A/C £3.00

what do you think these are for?

The most likely thing is Loanguard. If you had an overdraft and were somehow advised to take this out then you got caught! This is basically payment protection of your overdraft, is arranged and is therefore unclaimable.

  • Haha 6
  • Confused 3

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

Link to post
Share on other sites

It does sound like a good idea and something I think would be useful and helpful to the site because amounts have changed over the course of time. I hope you do something with amounts terms what the charge has been for and how it has changed. I hope others can use it as a point of reference.

Link to post
Share on other sites

It would seem you need a google account to view google spreadsheets......anyone know how to get round this? I can't seem to find a "how to" on this.

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

Link to post
Share on other sites

I hope you do something with amounts terms what the charge has been for and how it has changed.

 

With what??

 

:confused::)

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

Link to post
Share on other sites

You do need a Google account to use my spreadsheets. I kinda love Google. I use Google calendar and mail and word documents and spreadsheets - so far. Google spreadsheets can be downloaded into Excel, Open office, etc. If you don't want a Google account to obtain mine, Excel versions are available from Blueskies or WifeandI.

[

Link to post
Share on other sites

Unable access your Google Spreadsheet!

 

If you PM me your email address, I will send it to you.

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

Link to post
Share on other sites

Anyone wish to host it for me / know somewhere I can host it permanently?

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

Link to post
Share on other sites

  • 1 month later...
Since I've recently had success with my claim, thought I'd pull something together mainly for the use of any newcomers as I took a lot of time sorting out my bank charges with RBS purely down to some of the strange charges they make (and also wanting to claim as much as possible :smile: ).

 

Over the years, when I received my statements, along with it came an extra statement outlining my monthly charge for the previous month. This was made up of my arranged charge(s) - in my case Royalties (I know, I'm foolish...). On top of this however, there would generally be an extra charge. If I had had a bad month and gone overdrawn or whatever, I would on numerous occasions have an arrangement fee added to this charge of £28 (or sometimes more). It would then tell me that the sum would be debited from my bank next month and come the date of charging, an entry saying "CHG A/C xxx" (xxx being my account number).

 

Now when I received my duplicate statements having sent a Data Protection Act request, none of these breakdown sheets were sent so I was a bit stuck, I knew that some of the amount charged on these CHG A/C charges I could claim back and some of it I couldn't. I don't know whether this has been documented previously but I can't find it, so to explain what I did.......

 

Firstly, I rang my bank and asked for a leaflet on current interest rates and charges. This gave me a list of the possible arranged charges that could be placed on my account. Using my statements as a guide to what level of royalties I had (I have at some stage being on Royalties, Gold and Premium and on each statement it will tell you what type of account it is for that month) I added a few columns to the calculator spreadsheet where I could enter how much of the account fee for that month was an arranged fee and therefore deducting it from my claim.

 

I have recently been offered full settlement of my claim so have been successful in using this to claim back my charges in full. I think the key to this is ensuring you cover off all arranged charges on your account and also stating somewhere (either on your calculation sheet or on your letter to the bank) what you have done and also that you are using the charges they are using at present. Hope this is of use to someone, it added an extra £785 to my claim on top of the unpaids and overdraft charges.

 

I have also saved my claim spreadsheet for the benefit of anyone who wants to see what I'm talking about. I've saved it on Google Spreadsheets here, hopefully I've done this right. If anyone doesn't have a google account and wishes to view this spreadsheet, PM me your email address and I will pass it on to you. Please bear in mind, I set this sheet up as an example of how to amend the main template. My copy doesn't include any formulas to calculate interest, totals etc so be warned. I will attempt to set up a proper template in the next few days.

 

Good luck!

 

 

 

Had a couple of questions regarding this over pm, thought I would post a couple of them as they may be of use also.....

 

Probably, can't say for sure, but I added to the letter that I was using the current charges at time of writing to them.

 

The most likely thing is Loanguard. If you had an overdraft and were somehow conned in to taking this out then you got caught! This is basically payment protection of your overdraft, is arranged and is therefore unclaimable.

Hi im on the first stage i have printed the first template of to ask for my statements, like you my claim is also with the RBS. Is there anymore pointers that you can give me with dealing with this bank.

 

Regards

Link to post
Share on other sites

Just keep at it! If you want some guidance, read through my two cases with RBS - they will be in my sig. Start your own post (Qmart vs RBS) and post all your progress so others can keep an eye on what you are doing and help out.

 

Good luck.

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

Link to post
Share on other sites

Don't really know - neither of mine got that far. Both were settled before court.

 

Best bet is start yourself a new thread in RBS and someone should be able to help you.

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

Link to post
Share on other sites

Does anyone know if a referral charge can be claimed back. This to me sounds quite borderline service/charge. It's where they agree to pay cheques, dds etc even if you are over your limit. Someone at the bank has just told me that they charge £38 for refusing payment but £30 referral charge. Is anyone familiar with these charges?

Link to post
Share on other sites

I put them in my claim and got a full refund......

  • Haha 1

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

Link to post
Share on other sites

Hi T4FF.

I would be most gratefull if you could send me a copy of your claim spreadsheet.I am about to enter the puzzle of bank charges!!!!!and any help in working out what i may claim back would br very well recieved.

Thanks in advance.

-

Link to post
Share on other sites

Hi T4FF.

I would be most gratefull if you could send me a copy of your claim spreadsheet.I am about to enter the puzzle of bank charges!!!!!and any help in working out what i may claim back would br very well recieved.

Thanks in advance.

 

 

Just sent it to you. Will be me last bit of action for a few days I'm afraid. I'm just about to leave work. My internet connection at home has been activated but I haven't received my modem yet so I can only log on here in work :mad:

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

Link to post
Share on other sites

  • 5 weeks later...

Hi T4FF,

 

Thanks very much for posting about your RBS claim. I too am with the RBS and about to start a claim. Luckily, I'm quite organised and have most of my Bank statements form over the past few years, but do you recommend writing to RBS customer services and asking for all charges to be sent to me solely on a spreadsheet? That way i'm sure its easier to work out any interest which they have accrued on top of it. I have really one main question re: all of this. Now, I can appreciate that the reason why people are claiming is because the charges that are in force by the banks are clearly unjustified, and I refer to the actual amount they charge, not the reason. But, surely if you go over your agreed overdraft the bank has a right to charge you? Isnt this really just down to bad account management on our part? We all know the RBS charge a referral of £28 when you exceed your overdraft ( per transaction!) so just to understand and get my head round this so I'm fully aware, are they NOT allowed to do this? On numerous occasions, typical of a bank holiday for instance, my mortgages have come out early ( always a day or 2 early and never later may I add ) my account has gone overdrawn and ANY other direct debits / maestro transactions that go through within this time period are all chargeable and this is very very frustrating. I dread to think how much I have been charged over the last 10 years or so. Any help clearing this out would be appreciated.

Thanks again very very much, and look forward to your reply.

 

Neil

Link to post
Share on other sites

I'm sure that as you read around the threads, you wil find out that not only SHOULD they not be charging the amounts they do, but it is UNLAWFUL of them to do so. Yes I agree that it's often our own fault we sometimes incur charges. But they are not allowed to penalise you for it by hitting you with unfair charges. They are only allowed to recover what it basically costs them to administer the transaction, whatever it happens to be. And no way does it cost them 28 quid (stupid American keyboard has no quid sign) and upwards every time you have a DD bounce, or go over your OD limit.

 

Take your time, learn as much as you can, and ask for help if you need it. We're all here in the same boat, and just about all of us thought the same as you at one point... it's our fault, so they are allowed to do it. Well, they're not.

 

Seahorse

Link to post
Share on other sites

Seahorse...

 

Thanks for the reply buddy. Will keep all posted on my progress.

I think writing to the Bank and requesting a charges statement is definitely the first step even tho I have statements, then at least I can compare them.

Is there any claim templates on here which I can view? I want to draft it in my own words but would be great to see what other successful claimants used.

 

Thanks again !!

 

Neil

Link to post
Share on other sites

Hey Walt.

 

I think the key is the letters we send always imply that if they let us know what their true costs our, we will gladly only claim the difference. As banks aren't going to let us know their true costs, we claim the lot back.

 

What you need to do is READ!! Ensure you know what you're doing. If you send an SAR (Subject Access Request) to RBS they will send you all your statements for the last 6 years, so asuuming you're missing some, they will fill the blanks.

 

Couple of places for reference.....

 

A-Z links

List of RBS Charges

Read through the FAQs

User guide from start to finish

  • Confused 1

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

Link to post
Share on other sites

  • 2 weeks later...

Right, I've amended this post to include a bit of help about overdraft interest, removed my providing of a spreadsheet for ppl (as this was more troublesome than it was worth) and generally cleaned up my instructions.

 

I do tend to direct people to this thread a lot (and see others do the same), may ask whether it is worthy of becoming a sticky???

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

Link to post
Share on other sites

  • 1 month later...

Seems to me though that you should just add up the charges yourself, no? Why bother asking them to tot up all the charges, when you just hit them with the whammy - time is awasting - longer they have to mount some sort of industry wide consolidated fudge against us.

 

Im off to start a thread in my fight.

Link to post
Share on other sites

Errr, Yes, that is the point of the spready. To add them up yourself.

 

But the banks ain't just going to take your word for it that the figures are correct, are they? They'll run them themselves.

 

I'm not at all sure what your point is, really. :confused:

Link to post
Share on other sites

Seems to me though that you should just add up the charges yourself, no? Why bother asking them to tot up all the charges, when you just hit them with the whammy - time is awasting - longer they have to mount some sort of industry wide consolidated fudge against us.

 

Im off to start a thread in my fight.

 

No nor me. Who said anything about them totting up the charges for you??

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...