Jump to content


Barclays threatening to close Business Acount **RESOLVED**


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4653 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

Hello Martin!

 

I think you will find BRW that the criteria and credit checks etc for opening a sole trader account are just as exhaustive. In fact all trading/business related accounts are the same.

 

Sorry Martin, I think you may've misread what I said. I didn't mean Sole Trader Account, as that I know is a Business Account so will indeed be Credit Checked to death to get it.

 

I meant that Beachy should get a Private Account in Beachy's own name, and run the Business from that.

 

If you have established accounts then they will expect to pay the name on the invoice.

 

There's no reason why Beachy cannot just change his Trading Name to match his own name. The main issue is hassle, but there's absolutely nothing to stop it if he's a Sole Trader (or small Partnership).

 

We've done this in the past, and it's just a case of telling HMRC/VAT and Key Customers, and they'll make the name change to their systems and paperwork. All else carries on.

 

It may be hassle to organise, but it can be done, and then Beachy can be Trading under his own name, and can stay in business.

 

Nothing to stop him having a batch of Trading Names, provided he is listed as the Proprietor on any Letterheads, and makes it clear all Cheques should be Paid to him.

 

Its those customers who are VAT registered and so need to reconcile that can be a problem. For example A school will not buy anything or ask of your services unless you can provide them with an invoice.

 

Again, no real problem, just tell the School about the Business Name change and Payment requirements and any Accounting Department worth its salt will handle the change without trauma.

 

If your shop sign says CAG Plumbing and you give them a receipt from J.Smith,then theres questions asked if you get my drift.

 

Again, provided the Invoice says "CAG Plumbing" but has Beachy listed as the Sole Proprietor Trading As "CAG Plumbing", with a note that says all Cheques are Payable to Beachy, this is quite normal and acceptable. You just need to make it clear to any regular Account Customers and once they've got the hang of it, things will carry on.

 

Sorry to labour the point, but it really is not that complex for Sole Traders and Small Partnerships. Provided their Accounts are accurate, then they can run the Business in their own names, using a Private Bank Account...and can still have any number of Trading Names, i.e.:

 

Letterheads and Invoices:

 

Sole Trader:

 

Mr Horatio Beachy T/As himself or T/As "CAG Plumbing"

 

Horatio Beachy

Bargain Plumbing and Supplies

 

Proprietor - Mr Horatio Beachy

Please make all Cheques Payable to Mr Horatio Beachy

VAT Registration: GB 123 4567 89

 

Or if using the Trading Name "CAG Plumbing":

 

CAG Plumbing

Bargain Plumbing and Supplies

 

Proprietor - Mr Horatio Beachy

Trading as: CAG Plumbing

Please make all Cheques Payable to Mr Horatio Beachy

VAT Registration: GB 123 4567 89

 

Either way, just get a Private Bank Account in the name Mr H Beachy.

 

Small Partnership (e.g. Husband/Wife):

 

Trading under their own names or T/As "CAG Plumbing"

 

H & E Beachy

Bargain Plumbing and Supplies

 

Partners - Mr Horatio Beachy and Mrs Emma Beachy

Please make all Cheques Payable to either Partner or to Mr H & Mrs E Beachy

VAT Registration: GB 123 4567 89

 

Or if using the Trading Name "CAG Plumbing":

 

CAG Plumbing

Bargain Plumbing and Supplies

 

Partners - Mr Horatio Beachy and Mrs Emma Beachy

Trading as: CAG Plumbing

Please make all Cheques Payable to either Partner or to Mr H & Mrs E Beachy

VAT Registration: GB 123 4567 89

 

Either way, just get a Private Bank Account in the name Mr H & Mrs E Beachy, and then cheques Payable to Mr H Beachy or Mrs E Beachy, or Mr H & Mrs E Beachy can be paid into this Account no problem.

 

The only thing you cannot accept is Cheques Payable to "CAG Plumbing", because the Payee will not then match the Bank Account.

 

One reason for either a Sole Trader or a Small Partnership to have a Business Bank Account is to have a Bank Account Name that matches their Trading Name...but that is not actually needed just to stay in business.

 

Merchant Services (Credit Card Processing):

 

The only major benefit to having a Business Bank Account is to have Merchant Services, such as Credit Card facilities. That isn't usually available on Private Bank Accounts that I am aware of, but it may be possible to have the Service and link it to a Private Account for Payments and Withdrawals. I doubt they'd let you do this, but there may not be a reason to stop this.

 

PayPal Virtual Terminal:

 

Another way to get Merchant Facilities without a Business Bank Account is using PayPal Virtual Terminal (PayPal VT). This is only useful for, say, Mail Order, because it does not allow Face to Face Card Transactions, as the Virtual Terminal is just that, i.e. virtual and not a Physical Card Machine.

 

PayPal VT is an on-line way to process a Card Transaction where you can enter the Card Details via an on-line virtual machine and if the Card Details are OK, the PayPal VT will Debit the Card and Deposit the Payment into your PayPal Account.

 

So it is no good for, say, a Shop where people are presenting their Card to you. But it is suitable for someone selling via Mail Order, where Card Details are given to you over the Phone or via Letter or via Fax.

 

In effect, PayPal VT is no use for Chip and PIN, but OK for Phone or Fax Sales.

 

PayPal VT has the advantage that you can run it from a PayPal Premiere Account, i.e. a PayPal Account that is not in a Business Name. Such PayPal Accounts allow you to link any Private Bank Accounts, so adding to the flexibility of running your Business from a Private Bank Account rather than from a Business Bank Account.

 

Our Business is a small Partnership, and we have a few Trading Names and Web Sites. But we make it clear to all it is us Trading As, and none of our Account Customers have had a problem changing the Bank Payment details to a Private Account. Indeed, some Pay us, some Pay me, some Pay my Wife. None now Pay us using a Trading Name, which is the only niggle. But we have managed to stay in business despite our ex-bank's best efforts to take us down.

 

The only glitch we had not having a bank account in our Business Trading Name was when an existing Customer recently did a BACS Transfer, but used our Business Trading Name by accident. The BACS never made it, as the Payee details didn't match our Private Bank Account name. However, it was soon corrected by our Customer, and the funds arrived a couple of days later than they would've otherwise. Next time, they'll be OK as they now have the correct Payee name on their system.

 

When we recently lost any effective use out of our Business Bank Account, we instead opened a Private Joint Bank Account in our own names, and I simply sent a polite letter to our Clients saying we were getting rid of our old Business Account due to high charges, and were going to use a Private Account instead. I added that we were a Partnership Trading As the Business Name, so it was quite legal and safe to pay us via our own names. None of our Clients complained at all.

 

The key thing is to stay in Business and keep the money flowing. If Beachy is denied a Business Bank Account, then he has no option but to switch to a Private Account ASAP, and make sure any Business Name, VAT and/or Letterhead/Invoice Documents match his name. Trading Names can still be used, but the main limitation is that Beachy cannot accept Cheques or Bank Transfers using those Trading Names for the time being (until he can get a Business Bank Account again).

 

If I were Beachy, I'd get a 2nd Private Bank Account in his own name, and with a completely different bank, just in case anything happens to the new one!!!! You never know, his new bank could merge with his old one, and he could find himself back at square one with a hostile bank again!

 

After all, who would've thought Halifax, Bank of Scotland, Royal Bank of Scotland, TSB and Lloyds would all merge together!

 

In summary, for a Sole Trader or small Partnership, changing Business Name is hassle, but there's nothing much to stop you. The hardest part is just getting on and doing it. If it's a matter of staying in Business or going bust, then it's no brainer, Beachy needs to crack on with it PDQ and then get back to business!

 

Merry Christmas to you all by the way!

 

Cheers,

BRW

Edited by banker_rhymes_with
Clarity.
  • Haha 1
Link to post
Share on other sites

Ok good post.

What about the VAT ?

Beachies certificate will be in whatever name he registered in.

So his returns will also have to address that.

I wasnt VAT registered but very close to it and anticipated registering on account of the benefits.

But I remember seeing there was problems after losing the business accout and so didnt bother.

I agree with you that its feasible if you DO change all your invoicing stationary etc.

Actually the twinlock scribe blocks with a stamp made up for a tenner fits the bill perfectly for invoicing ..and will do triplicate.

Its strange but the simple tools are still a better option than a sage package costing a couple of hundred.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

Hello Martin!

 

What about the VAT ?

 

I haven't found them to be a problem. Provided it's the same Business and all you are doing is changing the name, they shouldn't have a problem.

 

They'll just issue you with a new VAT Certificate. It's nowhere near as complex as people imagine.

 

The core Business and Accounts are what matters, and so long as they do not change, the Business Name can be altered. It's just a Headline anyway.

 

We've been in Business 15+ Years and have never ever needed a Letterhead, Compliment Slip, Invoice or Business Card Printed. With modern Desktop Printers you can do that yourself...OK, we do know what we are doing there, so I accept the results can be 100% superb or 100% dire!

 

But many people don't need these except in a handful of cases, i.e. when first making an impression.

 

Regular Clients just want the Invoice and provided it has a Logo on it, they'll be quite happy.

 

Business Letterheads etc are very over-rated, you need them only a few times and, after that, you need them very infrequently.

 

That's another Business Myth...the need to spend a fortune on the bumf.

 

Next time you look at your Invoices from suppliers, I bet most are using bog standard pre-printed stuff with their details added at Invoice print time (usually as Text).

 

Cheers,

BRW

Link to post
Share on other sites

Agree completely.

When I was on my business course we had Bank Managers Accountants,Enterpreneurs,etc coming in giving talks.

 

But they were only relating to what they had achieved,or their interests were vested.

 

When I began to look for a shop and found one I had to go to the Estate agents,sign the contracts etc.

I asked where was the owner ?

Oh you will meet him ..he said.

 

The owner was a 70 year old little guy who drove a second hand Ford Mondeo.

He had his offices next door to my place-had no computers-still used card indexes-no mobile phones or any Mod cons.

This guy owned 85 properties in 8 towns !!

What an eccentric but he used to come into my place for the rent and lecture me on how to do things.

"Forget the mod cons" he would say.

Keep your costs down and you will survive.

Of course he was right and he had proved it.

A simple guy and yet loved to tell stories....not at all like the person you would imagine was worth a couple of million.

He even took me to empty shops of his and asked me if I wanted desks filing cabinets etc free.

In a strange way I was almost frightened to do anything which I felt was advancing.

For my first sign outside I bought some plywood sprayed it in the back yard and ordered lettering from a graphics company-it took me ages to put the letters on Ha Ha.

I fitted the carpets myself fitted the burglar alarm and CCTV ....I started with 700 quid and regularly had to use my working tax credit to pay for orders.

You have to use judgement and plan things.

If you have one or two bad deals then it can give you BIG problems.

I had a sale for 800 quid and he paid in cash...I checked the first few notes and they all looked ok.

When I took them to Barclays they said most were forgeries-remarkably they gave me them back.

I took them to the Police station and the Inspector said they were the best he had seen.

Barclays didnt give me much sympathy tho-they asked me to try and get the money from somewhere else to pay into the bank.

It actually shows up in my SAR screenshots.

I am digressing......................

 

Back to a Christmas tipple its 12.45 and Christmas day.......I wont propose any toast to Barclays.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

Hello Martin!

 

The owner was a 70 year old little guy who drove a second hand Ford Mondeo....

 

..."Forget the mod cons" he would say.

 

Keep your costs down and you will survive.

 

Of course he was right and he had proved it.

 

A simple guy and yet loved to tell stories....not at all like the person you would imagine was worth a couple of million.

 

Yes, met the odd one like that too, and they were quite right. Far too much these days is spin and hype, but in a Debt Based World Economy, spin and hype are all that keeps it going.

 

Back to a Christmas tipple its 12.45 and Christmas day.......I wont propose any toast to Barclays.

 

Here's to the demise of Barclays, and to a Happy, Healthy and Prosperous 2009 for the rest of us!

 

Cheers!

BRW

 

P.S. better get the duty carving knife sharpened, somehow we ended up getting a 30lb Turkey! Friends of ours run an Abattoir, and because few people are interested in the larger ones, we ended up with a bargain bird.

 

Had to kick it into the Oven, mind you! Getting it out will be fun, I think I'll need to get a Tow Rope and pull it out with some mechanical assistance.

 

If you see a bloke dragging an Oven and 1/2 his Kitchen Wall behind his Car, you'll know who it is.

Link to post
Share on other sites

Merry Christmas to you all.

 

Have family staying over xmas so haven't been able to do much CAGing.

 

Will update as soon as I have a spare 10 minutes, meeting with Barclays local business manager was very interesting to say the least.

 

Merry Xmas

 

Beachy.

Link to post
Share on other sites

Hi, Hope everyone had an enjoyable Christmas,

 

I had my meeting last Tuesday afternoon with my local business manager, who was suprised as I was about the closure letter, apparently it was sent from HO and was digitally signed with his signature - he swears he knew nothing about it.

 

On phoning HO he was told that the closure was due to me falling behind with my personal loan and as my private account was a joint one with OH, they could only pick on my business account, he fully understands the circumstances resulting in me falling behind, he himself feels that Barclays are waving the big stick and as I have always communicated in writing, and have unanswered letters outstanding, he feels left hand isnt communicating with the right hand, and is supporting us to the extent that he is trying to get the closure reversed, mainly based on that FULL monthly payments have been restarted, letters to them have not been acknowledge & that business account should not be threaten because of a personal loan.

 

Now this is where it got very interesting and I wish I could have recorded the conversation, Bringing up the subject of PPI on the loan he fully agreed with me that given my employment status, I should NEVER have been sold the PPI as I would not be able to claim on it - other then on death.

 

I have already sent a mis sold PPI letter to Barclays (although they have failed to reply as yet) the interesting thing is that the outstanding loan balance is the same amount as the cost of PPI policy, if payment interest and the 8% interest gets added then Barclays owe me!

 

Beachy

Link to post
Share on other sites

Come on guys, with all the help & advice put forward I thought someone would have passed comment as to how my meeting went.

 

No I haven't got a new account yet, trying to raise the money to pay the arrears off so it may help in keeping the account open.

 

Happy New Year.

 

Beachy

Link to post
Share on other sites

Hello Beachy!

 

Happy New Year, hope it's a good one for you.

 

Now this is where it got very interesting and I wish I could have recorded the conversation, Bringing up the subject of PPI on the loan he fully agreed with me that given my employment status, I should NEVER have been sold the PPI as I would not be able to claim on it - other then on death.

 

Right, reverse engineer a transcript of this conversation by sending your Local Acting Clerk, sorry, Local Business Manager (same thing, they don't get to manage squat, it's just a glorified title for a Data Gofer) a Letter.

 

Thank him for his time, casually mention a few random things you talked about, then slip in a Paragraph that confirmed what he said, and thank him for letting you know the background to how this PPI would've worked!

 

If he says nothing, then you have it in Writing that he more or less agrees that was what he said.

 

If he kicks up and says he never said anything of the sort, then you know he's covering his banking bottom and you know they know they are in the wrong.

 

If that happens, write back and beg to differ, because you remember very clearly what was said, and now you cannot understand why he wishes to change his story.

 

Draft all of this with a Judge in mind, so kill them with kindness. Stay polite and stay firm.

 

One day, that letter may help you to get the PPI back!

 

Cheers,

BRW

Link to post
Share on other sites

Thanks BRW,

 

Will draw up a letter and forward it on as suggested, I have been waiting a letter from him as he wanted to find out why my letters have not been answered & why HO state that I have not made any payments even though I started making FULL monthly payments while they reconsider my revised payment plan.

 

OH attended the meeting with me and the topic of conversation on the way home was the comment he made about the ppi and the fact that if it could be refunded then it greatly reduces the loan balance (in actual fact it would wipe out the loan completely - if ppi interest- even at 8% - was added then they would end up owing me! This is way I can't understand why they're taking such harsh action against me).

Link to post
Share on other sites

Hello Beachy!

 

OH attended the meeting with me...

 

OH = Other Half = a Witness! :D

 

Excellent!

 

OK, make sure you mention that many times in your letter, my wife and I enjoyed the meeting, my wife and I were most interested in X, Y and Z!

 

That'll make it harder for him to deny what was said.

 

Cheers,

BRW

Link to post
Share on other sites

Hi Beachy,

 

Just cos we don't comment doesn't mean we've not read what you've posted. You seem to have it covered just now..............;)

 

Happy and prosperous new year to you. :)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Happy New Year to one & all.

 

Just dont know what to do over this crazy situation.

 

letter sent claiming mis sold ppi on my barclayloan (personal NOT business) NO RESPONSE

 

Letter sent begining of Novemebr requesting 6 years statements to claim back charges on hardship grounds (£10 cheque cleared mid November) NO RESPONSE

 

CCA request made to Barclaycard visa & mastercard October NO RESPONSE

 

SAR request to Barclaycard visa & mastercard October - only 6years statements supplied - LBA letter asking for full SAR - IGNORED

 

Only response from this bank is notice closing my business account

Link to post
Share on other sites

Hi BC,

 

May be time for a brief complaint to Barclays HO detailing the various requests that remain unanswered. Enclose copies of all letters to date.

 

And possibly suggest how it could appear that their only respone, ie the closure notice on the business a/c, could be seen as retaliatory leaving you no option but to complain to the Banking Ombudsman.

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Thanks Slick, Happy New Year to you.

 

Time is really against me now, I have six days left before closure and so far have not been able to open a business account elsewhere.

 

My local business manager was on my side and promised to telephone me within a few days of our last meeting, however, no call from him.

 

Due to a healthy trading period Nov./Dec. I am able to bring the personal loan account up to date - would this be grounds for Barclays making a U turn on the closure?

 

Beachy

Link to post
Share on other sites

Hi Beachy,

 

I'd definately contact him and try to keep the a/c open - he should have the authority to sanction this at local level. If he says he has to run it past HO or anyone else, make sure you boost his ego saying you're sure someone of his standing can authorise this decision.

 

If you have good takings to bank and can negotiate re bringing the arrears up to date, go for it.

 

This would give you the luxury of deciding if and when to move your business a/c at a time that suits you.

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Hi BC,

 

Thanks for the PM and I'll leave you to d/w the update. ;)

 

Suffice to say I'm absolutely chuffed to bits for you. :D

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Evening Slick,

 

* * VICTORY * *

 

Update please !!

 

What has happened ?

 

PM

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

Link to post
Share on other sites

Sorry for the delay in updating.

 

Had a long meeting with my Local Business Manager to get this sorted once and for all.

 

As a result of his investigation he informed me that a risk assessment (apparantly this is their new policy) had been carried by someone WITHOUT any background notes are knowledge of my current circumstances, it was then recommended that the account be closed.

 

While I was in the branch he phoned the department concerned and basically told them to back off and leave the account alone, I have since received a phone call from HO confirming that the closure notice has been withdrawn, it should never have been issued in the first place, and so it's business as normal.

 

He also stated that in his opinion the PPI should not have been sold and that he is 99.9% sure that it will be refunded to the loan account which would write the loan off. They have thousands of PPI claims outstanding so could not give any timescale.

 

Without the help, support & encouragement from CAG I would never have found the willpower to confront the bank, thank you guys so very much. ;)

 

Beachy.

Link to post
Share on other sites

Well done Beachy - good for you !!

 

This now gives you some very valuable breathing space and you can consider matters about your business a/c at your leisure.

 

:D

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Hello Beachy!

 

But don't forget how much hassle this has been, and how close they came to closing you down.

 

While this is still fresh in your mind, I'd make it a priority to get yourself a 2nd Business Bank Account somewhere else PDQ.

 

Then start using it for the odd transaction, just to keep it running as an immediate fall back should this ever happen again.

 

With that in place, you can then change horses mid gallop, and leave the Barclays nag behind if it goes lame on you again.

 

Cheers,

BRW

Link to post
Share on other sites

  • 1 month later...

Well despite all efforts, Beachy cant get a new business bank account for love nor money, gonna have to eat humble pie and keep barclays sweet. :(

 

Have worked out roughly on private account/business account/barclaycardx2/ & various ppi theres about £8.5k in charges & ppi to possibly reclaim.

 

Have read on the net that you can 'buy' business accounts for about £149 if you have adverse credit, is this actually genuine or a [problem]? Dont mind paying it if it's a way of getting a genuine b/account.

 

Looks like those creditors who we have payment plans with have registered DN's as a condition of the plans. :-x

Link to post
Share on other sites

Hi Beachy,

 

Never heard of buying a Business a/c, or any a/c for that matter. Sounds like a bad idea to me though.

 

Have you read the "Defaulted on a disputed account" link to the left of each post.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Down here

:)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Thanks Slick (longtime no hear), still in deadlock with barclaycard.

 

Looks like my credit file is well and truly screwed, tried another high street bank yesterday and got rejected even though I made it quite clear that I do not want credit borrowing on a business account, 1 creditor has issued a default even though the account has been in dispute since last November (no cca), a couple others have registered defaults even tho' we are in a payment plan with them.

 

Found on the internet several companies that can get bank accounts (including business accounts) for people with adverse credit, some charge up to £149 returnable if unable to succeed one claims 98.9% succees rate, obviously cant put a link on the forum, but search for adverse credit business accounts will bring them all up.

 

Beachy

Link to post
Share on other sites

  • dx100uk changed the title to Barclays threatening to close Business Acount **RESOLVED**
 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...