Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


  • Tweets

  • Posts

    • dx100uk - thank you for your advice.  I will send a SAR to Vanquis and really appreciate all the help on here.   I may have read your last sentence in the way that it was not intended but it has came across very judgmental and not helpful.  I have came on this site for some help, not to be judged.  If that was not your intention then I apologise as I realise text can be read in the way it was not intended.  
    • . I'm sorry but this is not correct. There is a very long established rule that you are required to exercise utmost good faith (uberrima fides) when becoming a party to any kind of insurance contract. This means that you have quite a strict duty to accept responsibility for disclosing any information which a reasonable person in your position might understand could materially affect the risk. I can imagine that the interpretation of this rule would not be applied quite so strictly to a very new and young driver – but the more that one has been driving and the more insurance policies one has held, then I think that the stricter  this rule becomes. It is also well established that one can misrepresent something simply by withholding information – by silence. I'm sorry to say that I think that this rule and the value of it is so self-evident that it is scarcely worth discussing. I wouldn't start raising this issue if I were you with insurers or the courts because you will come away with a bloody nose and loss of credibility
    • @unclebulgaria67 your point is particularly valid especially in regards to loss in the event of a claim. Irrespective of 2x SP30’s or not the vehicle is insured for its full market value. The insurers rating changes based on risk against those endorsements, where said risk calculation isn’t made available.    Also I question the validation of 22% in premium. Is that based on today’s risk profiling, or is that applied retrospectively to day 1 and can that be evidenced.    One thing that is very clear, is that to bring about any degree of misrepresentation the insurer has to have evidence that questions were asked in regards to the endorsements.   This was an auto renewal and when I’ve checked the Brokers electronic Copy on “My Policy’ at renewal, there is no section included relative to accidents in the last 5 yrs or Motoring convictions. Everything else relative to me and the named driver is listed. 
    • Here is what exposes Johnson & Co Commission document, makes for sober reading   Wonder if Snake Oil Singham has read and digested it?   https://ec.europa.eu/info/sites/info/files/brexit_files/info_site/com_2020_324_2_communication_from_commission_to_inst_en_0.pdf
    • Must be a positive if the Insurers are now using the legislation as it was intended. It is just that I have not heard of it being used for Car Insurance, as the 22% comes from the Insurers rating calculations, which is not available information to the Policyholder. With Home Insurance, if you Insured a Building for £100k, when it should have been Insured for £122k, it is easier to grasp.   The Insurers would have issued the policy documents clearly showing that no motoring offences had been included within the premium calculation and the OP has had 5 months to correct the record with Insurers before the accident.   Perhaps probe the Insurers on the 22%. Can they provide evidence from their Underwriting rating guidance that this is the extra premium for 2 SP30's.
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 7 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies
MurphyW

Barclaycard Mercers and Power2Connect Help Urgently Needed

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3153 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi,

Firstly, thanks for a great forum and information site.

I've been reading loads and have got to the point of having sent a request letter and £1 to get my CCA from Barclays for a Visa card that I've had for ages.

They've done their usual and sent a letter but no signed agreement with a set of terms and conditions with a date of 10/08 on the bottom corner. The time period of 12 + 2 days has expired.

Could someone please confirm that this is non-compliance with the request and that they are now in default. Should I send a second letter to request that they supply the correct information within a further 12 days?

I am currently paying them a nominal £1 a month as that is all I can afford but they will not accept this amount.

I've attached scans of the letter and both sides of the terms & conditions sheet that they sent.

I hope that you can read them.

If not I'll have to try to get a clearer / larger copy if possible.

Thank you for any help that you can give.

Murph.

scan0001.jpg

scan0002.jpg

scan0003.jpg

Share this post


Link to post
Share on other sites

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - 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.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

Share this post


Link to post
Share on other sites

Ahhh!!

Woops how do I get the docs big enough to read on line please?

Any suggestions please?

Murph

Share this post


Link to post
Share on other sites

This is the piece of legislation you need to know of.....

 

Consumer Credit (Prescribed Periods for Giving Information) Regulations

1983 (SI 1983/1569)

2 Prescribed period

The period of 12 working days is hereby prescribed for the purposes of each provision of the Act specified in Column 1

of the Schedule to these Regulations relating to the duty indicated in Column 2 in relation to regulated agreements

 

 

SCHEDULE

SECTIONS OF THE ACT IN RESPECT OF WHICH A PERIOD OF 12 WORKING DAYS IS PRESCRIBED RELATING TO DUTIES IN

RELATION TO REGULATED AGREEMENTS

Regulation 2

Section of the

Act

Duty

(1) (2)

77(1) Duty to give information to debtor under fixed-sum credit agreement.

78(1) Duty to give information to debtor under running-account credit agreement.

79(1) Duty to give information to hirer under consumer hire agreement.

and section 78 for running credit

 

 

78.

Duty to give information to debtor under running-account credit agreement.

— (1) The creditor under a regulated agreement for running-account credit, within the prescribed period after receiving a request in writing to that effect from the debtor and payment of a fee of [F1 £1], shall give the debtor a copy of the executed agreement (if any) and of any other document referred to in it, together with a statement signed by or on behalf of the creditor showing, according to the information to which it is practicable for him to refer,—

(a)

the state of the account, and

 

(b)

the amount, if any currently payable under the agreement by the debtor to the creditor, and

 

©

the amounts and due dates of any payments which, if the debtor does not draw further on the account, will later become payable under the agreement by the debtor to the creditor.

 

 

(2) If the creditor possesses insufficient information to enable him to ascertain the amounts and dates mentioned in subsection (1)©, he shall be taken to comply with that paragraph if his statement under subsection (1) gives the basis on which, under the regulated agreement, they would fall to be ascertained.

 

(3) Subsection (1) does not apply to—

(a)

an agreement under which no sum is, or will or may become, payable by the debtor, or

 

(b)

a request made less than one month after a previous request under that subsection relating to the same agreement was complied with.

 

 

(4) Where running-account credit is provided under a regulated agreement, the creditor shall give the debtor statements in the prescribed form, and with the prescribed contents—

(a)

showing according to the information to which it is practicable for him to refer, the state of the account at regular intervals of not more than twelve months, and

 

(b)

where the agreement provides, in relation to specified periods, for the making of payments by the debtor, or the charging against him of interest or any other sum, showing according to the information to which it is practicable for him to refer the state of the account at the end of each of those periods during which there is any movement in the account.

 

 

(5) A statement under subsection (4) shall be given within the prescribed period after the end of the period to which the statement relates.

 

(6) If the creditor under an agreement fails to comply with subsection (1)—

(a)

he is not entitled, while the default continues, to enforce the agreement

 

(7) This section does not apply to a non-commercial agreement, and subsections (4) and (5) do not apply to a small agreement


PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - 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.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

Share this post


Link to post
Share on other sites

Thanks 42man,

try using www.photobucket.com (free) and there is a tutorial here - http://www.consumeractiongroup.co.uk/forum/bear-garden/165941-photobucket-video-tutorial.html

 

The link from the tutorial has been suspended unfortunately http://neilandelaines1stopshop.co.uk/Movie.wmv

 

Had considered cpr route but thought I'd start with Section 77/78 1974 first or is this just wasting time in making a valid claim?

I'll try to get the scans bigger to read to make sure that I'm on the right track.

Thanks for your help

Murph

 

Hi again,

Have now uploaded the prints to Photobucket.

The main letter is at

The terms and conditions that they sent is at [/url] and

I hope that this lets you see them.

I don't understand the bit they've quoted as Regulaton 9 of the 1983 Regs allows them to send a copy of the current regulated agreement.

At least they've provided the limit and value information.

The current executed agreement has not arrived as I don't believe they have got a copy.

Thanks for your input.

I'll get a default letter off to them tomorrow.

Do you think that I should push them using CPR61 to get them to release the CCA or show that they do not have the correct information available.

Many thanks for the help.

Murph

Share this post


Link to post
Share on other sites

Hi again,

The dear people at Barclaycard have now disputed whether they need to provide the full CCA under the terms of section 78 of the Consumer Credit Act 1974.

A copy of their reply attached.

http://i668.photobucket.com/albums/vv46/MurphyW_2009/BCV2/BCVCCAREPLY2a.jpg

http://i668.photobucket.com/albums/vv46/MurphyW_2009/BCV2/BCVCCAReply2b.jpg

http://i668.photobucket.com/albums/vv46/MurphyW_2009/BCV2/BCVCCAReply2c.jpg

Please would someone advise if I should now pursue this by the SAR Route or CPS.

I've also received chasing letters from Mercers and Power2Contact threatening visits to my home.

Hope someone can shed some clear light on the next move please

Thanx

Murph

 

Hi there,

This is a follow on from my CCA thread but need to find the best way of dealing with these DCA's urgently as Power2Connect have given me 72hrs to contact Mercers regarding outstanding account.

The letters received are: -

Mercers (2pages):

http://i668.photobucket.com/albums/vv46/MurphyW_2009/BCV2/BCVMerc1A.jpg

http://i668.photobucket.com/albums/vv46/MurphyW_2009/BCV2/BCVMerc1B.jpg

 

Subsequent letter from Mercers:

http://i668.photobucket.com/albums/vv46/MurphyW_2009/BCV2/BCVMerc2A.jpg

 

Power2Connect are likely to turn up if what others have said about them is true. I presume that i need to send each of them the "Do not contact me as trespassing, no permission to call etc." letter.

The response may depend upon Barclaycard not providing a true copy of an original signed CCA with all the terms. Not sure where I stand on this at the moment.

 

Power2Connect Letter here:

http://i668.photobucket.com/albums/vv46/MurphyW_2009/BCV2/BCVP2C1.jpg

 

Any help and guidance will be gratefully received.

Thanx

Murph

Share this post


Link to post
Share on other sites

Yes send them the 'do not darken my doorstep' letter. If you have sent the 'in dispute' letter make a complaint to TSs through Consumer Direct & also the OFT.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Share this post


Link to post
Share on other sites

Murphy, i have recived exactly the same reply from Barcalys as you, i shall be sending the in dispute letter Monday & also expressing disspointment in why they will not send documents requested along with a £10 postal order for a full SAR.

Share this post


Link to post
Share on other sites

Hi Riz,

I've sent don't call / visit contact me letters to Mercer and 2Contact.

Thanks for your reply.

Will have to follow up the next stage with Barcs then!!

Yours

Murph

Share this post


Link to post
Share on other sites

Hi MurphyW,

 

Is the default notice valid... you've blanked out the remedy date so I cant see if 14 days were allowed AFTER the service period (2 WORKING days by 1st class, 4 WORKING days by all other methods).

 

One thing I will say tho is that Barclays as the original creditor need to have their name and address on that piece of paper.... I cant see it, can you :-D

 

S.


Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

Share this post


Link to post
Share on other sites

MurphyW I've replied on your other thread re: the default notice... you need to keep the thread together so people can see whats happened and what actions/advice have been performed/given.

 

It all gets a tad confusing otherwise.

 

S.


Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

Share this post


Link to post
Share on other sites

dear mr xxxxxxxxxxxx

 

 

 

here is the current terms and conditions of my agreement with you

 

 

you will bend down and kiss my A**e three times a day for the next 5 years

 

you agreed 5 years ago in a contract which i cant be bothered to prove you signed/haven' t got anymore to allow me to change the original terms so that i can ask you to do this now

 

i am really confident that a court wil agree with me that this is all i am required to do

 

yeah right!

Share this post


Link to post
Share on other sites

Barclays dont usually send out agreements via SAR's either. You'll have to consider either a complaint to the FOS re:failure to provide CCA (Slllooooowwwwww) or the CPR (21 days letter 1 + 21days letter2 + court)

 

Another CAGGER has had success getting his agreement via the CPR method.

 

S.


Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

Share this post


Link to post
Share on other sites

why would they not send out agreements via a SAR? Do they not have to send everything they have on you?

Share this post


Link to post
Share on other sites
why would they not send out agreements via a SAR? Do they not have to send everything they have on you?

 

they should but they dont and the ICO dont seem to be too bothered about it either.

 

S.


Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

Share this post


Link to post
Share on other sites

so if they took you to court, and you had previously requested a copy of the CCA & sent a SAR in which both they declined to send the requested CCA then on court day produced one what would happen?

Share this post


Link to post
Share on other sites
so if they took you to court, and you had previously requested a copy of the CCA & sent a SAR in which both they declined to send the requested CCA then on court day produced one what would happen?

 

well for starters I suspect they'd find it very hard to get any costs out of you provided you had a full audit trail of your requesthey.

 

secondly i don't think they'd get off the the best possible start with the judge

Share this post


Link to post
Share on other sites
Hi MurphyW,

 

Is the default notice valid... you've blanked out the remedy date so I cant see if 14 days were allowed AFTER the service period (2 WORKING days by 1st class, 4 WORKING days by all other methods).

 

One thing I will say tho is that Barclays as the original creditor need to have their name and address on that piece of paper.... I cant see it, can you :-D

 

S.

 

you need to show us the date of the letter and the comply by date

 

also until barclays tell you someone is acting on their behalf you can assume they dont!

Share this post


Link to post
Share on other sites

Murphy, barclaycard sent me the exact same reponse to my cca request, they only sent my original agreement when I went down the cpr route Rainbow x

Share this post


Link to post
Share on other sites

Hi Guys,

Thanks for all your replies.

I'll try to keep the thread on track with any further posts for continuity.

 

I'll progress down the CPR route and let you know how I get on.

Rainbow, was your agreement enforceable when you finally got it from Barclaycard?

Have you gone any further with it yet?

Sent letters to Mercers today and P2C to stop harassing me!!

Fat chance of that happening I suspect but you've got to do it!! ;)

Diddy I like your sarcasm. Makes life a little lighter eh!

See you soon.

More to come yet...

Murph

Share this post


Link to post
Share on other sites
Hi Guys,

Thanks for all your replies.

I'll try to keep the thread on track with any further posts for continuity.

 

I'll progress down the CPR route and let you know how I get on.

Rainbow, was your agreement enforceable when you finally got it from Barclaycard?

Have you gone any further with it yet?

Sent letters to Mercers today and P2C to stop harassing me!!

Fat chance of that happening I suspect but you've got to do it!! ;)

Diddy I like your sarcasm. Makes life a little lighter eh!

See you soon.

More to come yet...

Murph

 

more using humour to demonstrate the point than sarcasm!!

Share this post


Link to post
Share on other sites

Hi DD & Shadow,

To clarify:

Initial CCA request & £1 fee dated 12/05/09 delivered 14/05/09

BC responded with T&C's 20/05/09

Sent nominal payment to BC as my initial requested value 01/06/09

Sent 2nd CCA letter "Account in Dispute" "Thank you for your letter of 20/05/09 ...you have failed to respond to my legal request original copy of CCA etc" dated 03/06/09 stating that account entered default on 28/05/09 (12+2days after initial request)

Letter from Mercers dated 04/06/09 A/c + Balance + Amount Due £xxx to reach Barclaycard before 21 june 2009 received by me on 09/06/09

 

Would it be better to get this all in the one thread re Barclays CCa?

Yours

Murph

Share this post


Link to post
Share on other sites

I had the exact same response from them.

 

Sent a data Subject access request and they sent the signed form.

 

It is stored in microfiche, it is illegible and contains no prescribed terms at all.

 

Completely unenforceable


Share this post


Link to post
Share on other sites
mikek, did you have to sign the SAR request letter you sent for them to process your request? I'm sending mine off tomorrow! thanks

Share this post


Link to post
Share on other sites

yes I signed it in pink pen!

 

wonder how they would even dare scanning and copying a signature in pink pen!

 

LOL


Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...