Jump to content


  • Tweets

  • Posts

    • Better version attached with the late appeal explained more clearly for the judge. This will sound silly, but I think it would be a good idea to e-mail it to the court and UKPC on Sunday.  It's probably me being daft, but Sunday is still March, and as it's late, sending it in March rather than April will make it sound like it was less late than it really is.  if you get my drift. You can still pop in a paper version on Tuesday if you want. E-mail address for the court: [email protected] And for UKPC: [email protected]   [email protected] Defendant WS.pdf
    • Update 15th March the eviction notice period expired, and I paid my next month rent along with sending them the message discussed above. After a short while they just emailed me back this dry phrase "Thank you for your email." In two weeks' time I'm gonna need to pay the rent again, and I have such a feeling that shortly after that date the contracts will be exchanged and all the payments will be made.  Now my main concern is, if possible, not to end up paying rent after I move out.  
    • they cant 'take away' anything, what ever makes you believe that?  dx  
    • The text on the N1SDT Claim Form 1.The claim is for breaching the terms and conditions set on private land. 2. The defendant's vehicle, NumberPlate, was identified in the Leeds Bradford Airport Roadways on the 28/07/2023 in breach of the advertised terms and conditions; namely Stopping in a zone where stopping is prohibited 3.At all material times the Defendant was the registered keeper and/or driver. 4. The terms and conditions upon  entering private land were clearly displayed at the entrance and in prominent locations 5. The sign was the offer and the act of entering private land was the acceptance of the offer hereby entering into a contract by conduct. 6.The signs specifically detail the terms and conditions and the consequences of failure to comply,  namely a parking charge notice will be issued, and the Defendant has failed to settle the outstanding liability. 7.The claimant seeks the recovery of the parking charge notice, contractual costs and interest.   This is what I am thinking of for the wording of my defence The Defendant contends that the particulars of claim are vague and are generic in nature which fails to comply with CPR 16.4. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 1. Paragraph 1 is denied. It is denied that the Defendant ever entered into a contract to breach any terms and conditions of the stated private land. 2. Paragraph 2 and 4 are denied. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was only contracted to provide car park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. 3. It is admitted that Defendant is the recorded keeper of the vehicle. 4.  Paragraph 6 is denied the claimant has yet to evidence that their contract with the landowner supersedes  Leeds Bradford airport byelaws. Further it is denied that the Claimant’s signage is capable of creating a legally binding contract. 5. Paragraph 7 is denied, there are no contractual costs and interest cannot be accrued on a speculative charge.   I'm not sure whether point 4 is correct as I think this side road is not covered by byelaws? Any other suggestions/corrections would be appreciated.
    • Dear EVRi parcelnet LTD t/a evri   evri parcelnet isnt a thing also you say defendant's response which is a bit of a weird format.   Something like   Dear EVRi, Claim no xxxx In your defence you said you could not access tracking. Please see attached receipt and label Regards
  • 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
      • 160 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
  • Recommended Topics

cabot/Mortimer claimform - Welcome Finance loan 'debt'


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1959 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

I am also posting the same story on other forums

 

this is not to undermine anyone on any of these in any way,

but to gauge different options and ideas that people may have when dealing with this.

It could be there is stuff that may help others out across all pages

and that can only be a good thing for those of us consumers being roally shafted by the establishment!!!

 

2007 with a growing family I took out a car loan with Welcome Finance (BIG mistake, I know. Never again!)

 

the loan was adjusted late 2008 to reduce the payment amount and supposedly the PPI and insurances were cancelled as mis-sold. 2012

 

it was my belief that I was paying over the odds for a car that was vastly overinflated price,

that the PPI etc although cancelled the costs were not commuted as I was expected to pay almost 12k for a car worth 4500 at purchase.

so account was placed into dispute. Dispute was ignored,

 

come march 2013 account was registered default,

court threats and a CPR letter was sent requesting all documentation in march 2013.

 

april, may 2013 further correspondence was received clearly the dispute was ignored

and so was the CPR until August when the CPR was acknowledged.

Nothing!

 

at some point the account was sold to Lowells,

Then Cabot, Marlin, back to Cabot but nothing was ever actioned and nothing was posted out that warranted action.

 

As the account was in an ignored legal dispute situation but still had been registered as default and sold to 3rd parties this is a monumental breach!

 

Finally 14/07/15 I received a letter from Cabot the account was being referred to Mortimer Clark.

Same day, but postmark 15/07/15 I received a letter from Mortimer Clark stating they were instructed to take court proceedings

(Nothing in the letter states clearly this is a LBA) and I was to contact them.

The letters appear below

 

Mortimer clark letter

 

so I initially knocked up this response

 

removed fotl rubbish letter - dx

 

oh!.... was it not much better then, got me worried now

 

please ignore spacing and syntax mistakes, this was a draft.

 

Following advice on xxxxxxxx I followed this letter instead

 

 

removed - dx Understood

 

posted Friday July 31st and signed for Monday 3rd August by Mortimer Clark

Link to post
Share on other sites

  • Replies 63
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

ok well time to forget all that.

claimform has arrived you need to deal with it.

 

appears to me they'll never have a signed agreement as the one they'll get

[or you will via the CCA request you must send]

will be signed by welcome staff as they did a re-write for you

 

std game with welcome at that time .

 

can you fill this link in please

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-December-2014**

and post the answers back here

 

as for those other website you mention but I've removed

if you want a CCJ then follow the advice there and don't waste CAG's members time.

 

i'll let our successes forum and our welcome finance forum speak for themselves

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?190-DCA-Legal-Successes

 

Following advice on I followed this letter instead

 

posted Friday July 31st and signed for Monday 3rd August by Mortimer Clark

 

waste of a stamp

drop the freeman of the land rubbish

else you'll get a CCJ by default

 

your call.

 

please respect our rules

do not post other sites templates or letter

nor web addresses

 

give us the info we need

 

and we'll get you sorted.

 

thank you

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Today Court papers have been received from CCBC Northampton issued on 3rd August! a cynic could make a comparison!

 

usual 14 days plus to acknowledge service

 

POC - By an agreement between Welcome Finance (WL CF) and the defendant on or around 17/10/2008 (The Agreement) WLCF agreed to loan the defendant monies. The Defendant did not pay the instalments as they fell due and the agreement was terminated. the agreement was assigned to the claimant. The claimant therefore claims XXXXX

 

Chris Chapman Solicitor

 

now,

I believe my defence lies with the fact the account contains UTCCR penalties, PPI, Shortfall and warranty insurances etc which being disputed invalidated not only the original debt amount, but also the subsequent default,

 

the ignorance of the dispute and failure to respond to the original CPR (I still retain evidence of posting, but that letter also acknowledges that a default has been served even tho it is clearly in dispute)

 

the selling on of the debt,

the failure of the third party to investigate the integrity of the debt

(Acting in good faith of the client is NOT a valid defence) is a whole heap of abuse of processes,

and the accuracy of the amount claimed is therefore inaccurate and invalid.

 

I have asked for strict proof that the debt exists asper my letter above.

 

so, what I am looking for is how I should take this now the court papers have been issued?

 

currently without no evidentiary documentation I cannot confirm or deny the existence of the debt and nor can I provide any defence whatsoever. I intend to defend al of the claim and will acknowledge within the required time scale.

 

waste of a stamp

drop the freeman of the land rubbish

else you'll get a CCJ by default

your call.

dx

 

so you think this might have just been a wrong direction to take?

 

ok well time to forget all that.

claimform has arrived you need to deal with it.

appears to me they'll never have a signed agreement as the one they'll get

[or you will via the CCA request you must send]

will be signed by welcome staff as they did a re-write for you

std game with welcome at that time .

can you fill this link in please

and post the answers back here

as for those other website you mention but I've removed

if you want a CCJ then follow the advice there and don't waste CAG's members time.

i'll let our successes forum and our welcome finance forum speak for themselves

 

Thanks.

 

interesting, which I wanted to get ideas and opinions from other people.

I want to do this right, and while not wanting to disrespect anyone elses ideas or advice I want to make sure I get this right. Believe me, I don't intend to waste anyones time!!!

 

my concern now is have I fracked this one up?

Link to post
Share on other sites

not sweat

they'll simply bin those letters

 

can we have the full questions and your answer to:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-December-2014

 

get moving

 

all these silly letters are wasting your available time

 

dx

 

Mortimer clark letter

 

letters need to be uploaded in PDF format please

follow the upload clickme guide

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Name of the Claimant ? CABOT

Date of issue – 3rd August 2015

 

 

Defence by 5th September [ edit - 33 days - by 4pm Friday 4th sept whereby day ONE is the date on the claimform] ah, thanks!!!

 

What is the claim for

 

 

1. By an agreement between Welcome Finance (WL CF) and the defendant on or around 17/10/2008 (The Agreement) WLCF agreed to loan the defendant monies.

The Defendant did not pay the instalments as they fell due and the agreement was terminated.

the agreement was assigned to the claimant.

 

 

The claimant therefore claims XXXXX

 

What is the value of the claim? 7k

Loan

 

When did you enter into the original agreement before or after 2007? originally before, renegotiated 10/2008

Has the claim been issued by the original creditor

or was the account assigned and it is the Debt purchaser who has issued the claim. - Cabot Financial

Were you aware the account had been assigned – did you receive a Notice of Assignment? unknown

Did you receive a Default Notice from the original creditor? yes,

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? no

 

Why did you cease payments? dispute, bekieved amount owed was excessively high and contained PPI and UTCCR penalties

 

What was the date of your last payment? unknown 2012

Was there a dispute with the original creditor that remains unresolved? yes

Did you communicate any financial problems to the original creditor

and make any attempt to enter into a debt managementicon plan? CPR letter acknowleged but ignored. no documentation was received

 

If you have not already done so

– send a CCA Requesticon to the claimant for a copy of your agreement

- does this differ to the letter I already posted? if so in what way - just so I understand the differences

 

Would my original planned letter have been a better option?

 

hope that helps

Edited by dipsydave75
Link to post
Share on other sites

great thanks for that

can you pdf those mortimer repiles you posted whilst I dissect the info you've posted.

 

 

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

thank you.

 

note the defence date was wrong.

 

go ack the claim on MCOL

defend all

leave juris unticked.

 

your defence will most probably be the holding / no paperwork one

widely available here

but you need to set the wheels in motion first

 

sent the CLAIMANT a CCA request

don't sign anything

leave the PO blank.

 

get a CPR 31:14 running to mortimers

again don't sign anything.

cpr is in the legal section of our library.

 

pdf...that is std threat-o-gram from mortimer

 

to put it bluntly

forget everything you have done/sent to date

totally worthless and wil be binned

 

just to be clear on the run up to this

have been sending them various bits of freeman twaddle to date

hence they've issued the claim as they can see you'd be a walk in the park if you followed that rubbish

or have you been quiet until the claimform arrived.

 

I suspect the former:lol:

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

yes yes

 

 

get it Ack'd and get those letters running tomorrow

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

After reading quite a few welcome threads i have come across a discrepancy

 

I see Cabot have the claimant as Welcome CF. I take it that is Welcome Consumer Finance?

 

Has there ever been a Welcome Consumer Finance??

 

I was under the impression it has always been Welcome Financial Services Ltd.

Link to post
Share on other sites

to update.

 

Originally I followed a different CPR letter which Mortimer Clark received on 3rd August 2015 which asked for the following

 

Therefore, under the provisions of Practice Direction - Pre Action Conduct - Annex A Section 4.2 (7) I request the following documentary proof of your Clients assertions of a Legal Obligation, to be provided to me within 40 days of the post marked date of this letter.

 

I. Pursuant to s.77-79 of the Consumer Credit Act 1974 (CCA1974) copy of the Original Signed Consumer Credit Agreement, along with a copy of the original Terms & Conditions and any and all subsequent changes in said Terms & Conditions.

II. Statements of the Account referred to, including details of all payments made and calculation of how interest was charged against each item, leading to the Alleged Debt of £xxxxx.

III. Also, as this is an Alleged Debt, I believe Default Charges may have been applied to the Account and as such may be unlawful under the Unfair Consumer Contract Terms Regulations 1999, therefore, I would request details of each and every Default Charge applied to the Account (i.e. if the charge was for ‘Administration’ what Administration was undertaken to support the Default Charge) along with details of any Interest Charged against each Default Charge applied.

IV. A copy of the Default Notice from the original owners of the Alleged Debt and Certified Copies of how this was served upon me.

V. A copy of the Legal Assignment of the Agreement, including a copy of the Deed of Assignment and / or Deed of Tripartite Novation.

VI. A copy of how I was served with the Alleged Legal Assignment.

VII. A copy of the Alleged Notice of Assignment sent by the original creditor to the Defendant and again how this was Served upon me.

 

based on the letter originally sent, I have received this response from Mortimer Clarke, and I am quite intrigued by the response I have received.

 

Response from Mortimer Clark, dated 4th August 2015

Link to post
Share on other sites

load of waffle.

 

 

but that's what you get by sending a non compliant cpr..

 

 

looks FOTL based to me.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Corrected in error but if the account has been assigned to Cabot then all rights and duties of the original creditor go with it. Cabot will be responsible for any PPI reclaim as that will be part of the agreement assigned.

 

Where did this "Novation" come from???

 

It has nothing to do with the transfer of asset's in debt collection. That is done under the Law of property Act. The original creditor does not need your permission to assign the account to another creditor such as Cabot

 

Do not wish to sound judgmental but i do hope you have not been looking at these Freeman of the land or get out of debt free sites??

Link to post
Share on other sites

so all of post 17 was completed

CCA request sent?

AOS done?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

on the first page I have highlighted the response where they state cabot have been assigned the benefit but not the buredon, and therefore have to approach Welcome Finance.

 

this to me is the biggest load of tosh I have ever read.

 

How can an apparent disputed amount possibly be assigned to someone else for their benefit while the responsibility remains with the original creditor.

 

Surely any assignment that is absolute includes the responsibility as well as the liability?

 

if not then are they expecting me to reclaim the money off welcome to then pay them while they take me to the cleaners in court?

 

How can a judge award this as a valid case?

 

if the account has been assigned to Cabot then all rights and duties of the original creditor go with it. Cabot will be responsible for any PPI reclaim as that will be part of the agreement assigned.

 

 

yet Mortimer Clark are trying to say that they have nothing to do with it and to contact Welcome finance!

 

 

It has nothing to do with the transfer of asset's in debt collection. That is done under the Law of property Act. The original creditor does not need your permission to assign the account to another creditor such as Cabot

 

Do not wish to sound judgmental but i do hope you have not been looking at these Freeman of the land or get out of debt free sites??

 

i did originally, but wasn't planning on going down the route of "3 letters billing and estoppel" route which seemed way too far fetched to me.

 

 

The CPR appeared to be similar to others I had seen and used on a formerly well used action site and had already been posted before I joined this site,

 

 

however the SAR went out yesterday and looking at this response I'm wondering if they have dug themselves a hole that using your CPR will help dig deeper.

 

so for understanding, can you guys explain to me what the freeman of the land stuff is?

don't want to sound thick, just want to understand it so I can keep away!

Link to post
Share on other sites

the site where you got the three letter trick from.

 

 

have you sent a CCA request to the claimant?

 

 

have you ack'd the claim on MCOL?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

if the account has been assigned to Cabot then all rights and duties of the original creditor go with it. Cabot will be responsible for any PPI reclaim as that will be part of the agreement assigned.

 

 

yet Mortimer Clark are trying to say that they have nothing to do with it and to contact Welcome finance!

 

I meant CCA! oops!!!

Link to post
Share on other sites

good simply ignore their waffle and your FMOTL waffle

utter codswallop and guaranteed to get you a CCJ if you follow it

 

please go read up HERE about things

and not stupid FOTL sites

 

the CCA request MUST be complied with. end of!

 

anything else is a mere 'request' that can be ignored.

 

dx

 

 

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

as long as you sent the claimant our CCA request

as is

it will negate the FOTL waffle and their reply indicating they wish to play games

as they can see you are [were] an easy win if you were to continue to follow that route.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • 2 weeks later...

Have received a response from Cabot regarding CCA request.

 

The PO's have been returned, and the letter asks me to endorse the PO's as they have not been completed with the payee details. Once this is done they willprocess my request.

 

The payee bit has already been starred out by the Post Office meaning the payee bit doesnt need filling in. So surely all this is doing is stalling for time?

 

Should i now fill in the PO or send them back with ancovering letter advising them the PO doesnt need filling in?

Link to post
Share on other sites

usual delaying tactics.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...