Jump to content

  • Tweets

  • Posts

    • Ok, thank you for the responses. I have just finished my letter now and hopefully it's good enough.   Dear Gladstones Solicitors,   Much appreciated in providing me with a letter before claim, it’s helped me understand how to fight against these types of con artists for the future.   Just to be clear, I have no interest what so ever in paying the £155 since it is a made-up ridiculous fee with no explanation behind the justification of this ludicrous sum of money you are trying to rob from me.   Photographs of the poorly maintained site with the poorly placed written signs have been taken by the driver and will be confidently provided for evidence in court. The driver did obey the best a person could to your client’s badly written signs. There seems to be no planning permission by the council either for the ANPR cameras to be installed in this area.   First it is a criminal offence, which means your client has failed at the first hurdle of their Code of Conduct- that they must comply with all laws relating to the running of the car park. It also calls into question their ability to be able to collect data from the DVLA.   They are in breach of the Town and Country [advertisements] Regulations 2007 by not having the necessary permission despite the fact that it is illegal not to have permission and a contract cannot be formed from an illegal act. However the offence is also covered by The Consumer Protection from Unfair Trading Regulations 2008 - Section 5 Misleading Actions [3] ]b]     Always give crooks long enough rope to hang themselves with. I look forward in seeing how your clown scam tactics play out in court.   (only include reference number and full name here?)   I can only respond through Gladstone online Reply Form unless I request a paper version of the Reply Form instead. Should I get the paper version so I can use Royal Mail to send the letter that way?
    • So I had my mediation with Hermes and it was not successful i.e. we couldn't come to an agreement to settle out of court.   This was my mediation process:   First call from the mediator was received at 1:03pm which was close enough to the start of my alotted time of 1pm-4:30pm. The mediator introduced themselves, confirmed the intention of the mediation and asked if I could provide a short summary of my claim and any points I would like to raise with Hermes. I mentioned the claim amount and raised the argument that Hermes inherit the liability under the Contracts (Rights of Third Parties) Act even though I booked through Packlink and that there is a systemic problem with Hermes and their business model. The mediator said they will take this to them and call back after discussing with Hermes. Call ended 1:09pm (lasted 6 minutes).   Second call from the mediator was received at 1:15pm and they said that Hermes' stance is that my contract was with Packlink and not with them. Hermes mentioned they had investigated with Packlink and that I did not pay for insurance for my item but they were willing to offer me the standard claim amount of £25 plus £2.86 postage = £27.86. Of course I did not entertain that offer and I said that the whole point of having to pay extra to insure my item against their own negligence is absurd. Hermes also stated that this item was on Packlink's prohibited list. I replied that this so called list was not made clear to me when listing my item on ebay or purchasing the label through Packlink (which is ebay's affiliated choice for purchasing postage) and I would bring up the whole question of prohibited items for consideration by the judge if it goes to court. The mediator asked what I would be willing to settle at. I said I am not willing to budge from my claim amount of £357.84 which includes court costs. They reminded me that they don't see Hermes willing to accept that and that the whole point of mediation is to be willing to be flexible. I stood firm and said I am not budging from this amount and that I am being flexible by not taking Hermes to court and willing to settle now. The mediator said they will discuss with Hermes and call back. Call ended 1:27pm (lasted 12 minutes).   The third call from the mediator was received at 1:32pm and they mentioned that Hermes were willing to offer £300 as a goodwill gesture plus the £2.86 postage costs = £302.86. They said £300 is the maximum they can offer to settle for this process. I stayed resolute and asserted I am not willing to go any lower than my claim amount. I said it's not so much about the money and reiterated that the routine denial of liability and having to pay extra for insurance is a systemic issue with Hermes and that I have evidence that many other customers face the same problem when using Hermes which I am willing to present to the presiding judge if this goes to court. Only if they were willing to pay me back the full claim amount then I would drop the case. The mediator did mention that taking this to court I may also lose which would mean losing further court fees (£55 I believe they mentioned as the fee) as well as time and effort in preparing for the case. I repeated that paying the extra costs and risking the money is not so much of an issue to me. I also added in there that a national newspaper are sniffing around at this story and if a judgement goes against them then I won't hesitate to share with them and across social media a copy of the transcript. The mediator asked if they were happy to share this detail to Hermes which I agreed. They said they will discuss with Hermes and call me back. Call ended 1:36pm (lasted 4 minutes).    Received the fourth and final call from the mediator at 1:39pm and they said that Hermes were not willing to improve on the offer, reiterating they would argue to the judge that my contract is not with them and is with Hermes so this case cannot be settled through the mediation process and I would receive further details on the next steps. Call ended 1:40pm (last 1 minute).   I am somewhat surprised that Hermes were willing to offer up to £300 plus postage costs given their arguments but would not settle by offering my full claim costs.   In terms of the mediator's attitude, they did add a bit of pressure in trying to get me to be flexible i.e. settle for a lower amount. I suppose it is their job to get this settled out of court. They did also mention on a couple of occasions that it may be months before this case is looked at, with the covid situation it may not be in person and that I would have to go through the motions and prepare which would take time and effort on my behalf. However as noted above in this thread I wasn't willing to settle for a lower amount so let's see how it plays in court.   Any advice on the next steps BankFodder?  
    • all uploaded images merged and vastly reduced in size full DQ above.   you should have room now to upload the rest of the required docs but not all single pages please!   dx  
    • woe slow down put them ALL in ONE multipage PDf please   use pdfreducer and merge pdf if you have too.   cant be here all day downloading single pages. read upload carefully   claim no in 1st page removed. dx  
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
        • Thanks
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
        • Thanks
        • Like

Angry With American Express


Please note that this topic has not had any new posts for the last 3442 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

1st time user on this site, so hopefully someone can give me some advice :D

 

6 weeks ago i phoned american express and informed them that i'm going to ibiza on holiday just so they knew i would be using my card abroad as i have done for the past 9 years, they said ok and that they would put a note on my file.

 

1 week before i was due to fly, i got a letter informing me that they were cancelling my cash withdrawal and reducing my credit limit, i phoned and asked them why and was told i was a high credit risk.

 

I then asked when in the last 9 years had i missed a payment or made a late payment, i also said if i was a high risk why 3 month ago did i get a letter of them telling me i was a excellent customer and they were reducing my intersted rate, they had no answer.

 

I then checked my experian score and file and that was ok, no problems, i'm now about to send away for a subject access request to try and find why i'm now a high risk.

 

So this is my question.

 

If they fail to supply all information required, or cannot provide a legal credit agreement, can i put the account into dispute and refuse to pay anything until they have provided me with all the information i have asked for, basically a vaid credit agreement, as when i applied for the card, it was in a motorway service station on the M6, you will have seen the sales reps trying to sell you goods.

 

As i said earlier i'm fuming with american express, if this is how they treat their customer after 9 years.

 

John

Link to post
Share on other sites
  • Replies 97
  • Created
  • Last Reply

Top Posters In This Topic

Hi

 

If they fail to supply all information required, or cannot provide a legal credit agreement, can i put the account into dispute and refuse to pay anything until they have provided me with all the information i have asked for, basically a vaid credit agreement

John

 

Yes. Also, you should get the information as to why they have reduced your credit limit etc.

:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

Link to post
Share on other sites
  • 2 weeks later...
  • 1 month later...

Hi

Amex has replied to my subject access request. Can anyone check this agreement, i'm sure its not valid in fact its not even an agreement but a application with no t&c's.

 

I'm about to reply with following letter but need help filling the gaps.

 

Dear [name here]

Thank you for the information I received today (02/09/2009), after looking through the information I noticed that a valid credit agreement was not supplied.

A valid credit agreement must include the following:

Although the letter you sent states “Credit agreement regulated by the consumer credit act 1974”, it is not a valid credit agreement under UK law as the information above is missing.

Thanks

Agreement.jpg

Link to post
Share on other sites

Hi Angrywith Amex,

Unfortunately the pic is too small to read. Might be better to upload it to TINYPIC.COM (free and no registration needed) and follow the instructions on there.

Regards,

Elsa

PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

Link to post
Share on other sites

Hi,

Certainly non of the prescribed terms on that. Any mention of T&C's on the rear of the document?

PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

Link to post
Share on other sites

Hi :)

Bumping this for others on the morning shift to have a look.

Have a read of this page/thread: http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/181538-advice-2-ccas-please-2.html

which gives some good background info/sample letter/legalese about a similar agreement.

Also, the "questionable agreement" letter template in the library could be incorporated to suit your circumstances, maybe tastefully blended with sections from the Account in Dispute template..read them through and use the parts that you need.

Have fun! :)

Elsa x

PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

Link to post
Share on other sites

Hi Elsa

 

Thanks, what i'll probably do is write to them again asking for a true credit agreement (what info should it contain) and the t&c's if they fail to supply the info, i'll go to the court and get a court order or what ever is required and send that. That way if they still fail to provide the info i will have the courts behind me already.

Cheers

Link to post
Share on other sites

Hi..:)

It should contain "the prescribed terms"..a full explanation of which is here:

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/105315-my-agreement-enforceable-useful.html

They should also send you the T&C's at the time of taking out the card,plus any amendments to date, plus a full statement of account.

Elsa x

PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

Link to post
Share on other sites

Hi Elsa

 

Below is a quick draft of the letter i'm about to send, let me know what you or others think.

 

Dear Sir/Madam

Thank you for the information I received today (02/09/2009), after looking through the information I noticed that a valid credit agreement was not supplied.

A valid credit agreement must include the following:

Repayments

A term stating how the debtor is to discharge his obligations under the agreement to make the repayments, which may be expressed by reference to a combination of any of the following-

(a) Number of repayments;

(b) Amount of repayments;

© Frequency and timing of repayments;

(d) Dates of repayments;

(e) The manner in which any of the above may be determined; or in any other way, and any power of the creditor to vary what is payable.

Rate of interest

A term stating the rate of interest to be applied to the credit issued under the agreement.

Credit limit

This may be a term or the manner in which it will be determined or that there is no credit limit.

You have sent me an application for an American Express Credit Card, which is not a credit agreement as it does not contain any off the above and stating that it’s a “Credit agreement regulated by the consumer credit act 1974” is not sufficient.

Also you have not sent me the original terms and conditions for this agreement which must be on the same form as the original agreement, as you sent me a photo copy of the application for a American Express Credit Card, then you must have the original copy with the terms and conditions on the back.

Finally you have not sent any letters that have been sent to me over the years which I also requested.

 

Cheers

Link to post
Share on other sites

Hi..

If I may suggested the odd amendment....just my opinion :)

 

Dear Sir/Madam

Re: Account Number:

Thank you for the documentation received on 02/09/2009 in response to my formal request for a copy of the original credit agreement relating to the above account.

Unfortunately this account remains in dispute as the document supplied fails to satisfy the requirements of the Consumer Credit Act 1974, in that it does not contain the prescribed terms within the four corners of the agreement as follows:

 

Repayments

A term stating how the debtor is to discharge his obligations under the agreement to make the repayments, which may be expressed by reference to a combination of any of the following-

(a) Number of repayments;

(b) Amount of repayments;

© Frequency and timing of repayments;

(d) Dates of repayments;

(e) The manner in which any of the above may be determined; or in any other way, and any power of the creditor to vary what is payable.

 

Rate of interest

A term stating the rate of interest to be applied to the credit issued under the agreement.

 

Credit limit

This may be a term or the manner in which it will be determined or that there is no credit limit.

 

What you have sent me an application for an American Express Credit Card, which is not a valid credit agreement as it does not contain any off the above and stating that it’s a “Credit agreement regulated by the consumer credit act 1974” is not sufficient.

 

In addition to not supplying a properly executed document containing the prescribed terms, you have also not supplied the original full terms and conditions for this agreement.

I would therefore be grateful if you could supply photocopies of these and clarify whether these were on the reverse of the agreement or on seperate pages.

I also require a statement of account to complete the formal request and look forward to receiving your response.

Yours faithfully

 

Re the letters..I don't think they are obliged to send them under a CCA Request..you could ask for them under a SAR though.

 

Anyone else have thoughts on the letter?

Elsa x

PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

Link to post
Share on other sites

Hi,

 

Elsa's amendment is good. The prescribed terms must be contained within the four corners of the agreement and there is a High Court Authority on this.

 

Have a look at other Amex threads and find one with the same application form as yours (not mine!!!!) and see how they are progressing. I have seen this one before.

 

Also, Amex Default Notices are Invalid. Make sure you keep yours and the envelope if you still have it. They quote "14 calendar days from the date of this letter." This is totally wrong. Service is deemed as being two days from the date of the letter (if sent by first class post) so they are not giving anyone the correct time to remedy the default. Amex are not changing their Default Notices because if they do they are admitting they are invalid. Lucky we know about this on CAG!!

 

DD

Link to post
Share on other sites

Hi again :)

Sorry..I didn't notice it was from a SAR...which template did you use? The debt library one is a much more comprehensive request.

You need to amend the letter again to add that you require ALL data held on you including letters, computer records, default notices and termination letters if applicable.

Also, (and anyone-please correct me if I'm wrong on this!) I'm a little concerned that failure to comply with a SAR request, while giving cause for complaint to the ICO, may not provide you with the same "protection" as failure to comply with a formal CCA request "pursuant to Section 78 (1) of the Consumer Credit Act 1974". In this case failure to respond with the 12 + 2 day timescale renders them unable to (legally) enforce the debt and you (legally) able to withhold payment until they do.

Therefore, if you haven't ever sent a CCA request for this account I would do it now to "cover your ass" ;)

Elsa xx

PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

Link to post
Share on other sites

One other note, i have never received a default letter, this all come about when a few days before i was due to go on holiday, they cancelled my cash withdrawals and reduced my credit limit, i was fuming so i really wanted to find the reason why.

Cheers

Link to post
Share on other sites

Hi

Just posted amemded letter and cca letter today, see whats comes back this time.

One point, if they still do not send me a valid credit agreement and i stop paying can and will amex default me and put a record on my credit file, or will they then be breaking the law.

Cheers

Link to post
Share on other sites
One other note, i have never received a default letter, this all come about when a few days before i was due to go on holiday, they cancelled my cash withdrawals and reduced my credit limit, i was fuming so i really wanted to find the reason why.

They did the same to me.

Amex wrote to me “ We do not have the terms and conditions from when you opened the account”.

I will keep that letter nice and safe for when they go to Court.

Link to post
Share on other sites

Wha...?!

 

They wrote saying that they 'dont have the T&Cs from when you opened the account'?

 

A site administrator needs to take note of this and collate the dates that accounts where Amex say they 'dont have the T&Cs from that time' were opened. Another Amex thread starter has had what appears to be a similar form, with copies of T&C pages from elsewhere supplied.

 

My reasoning is that if Amex dont have T&Cs from that time, they just dont have T&Cs from that time - for all customers who opened accounts then.

 

Too complicated to organise...?

Link to post
Share on other sites
  • 2 weeks later...

Hi

Update as to what is happening, received letter today from amex containing a copy of application and terms and conditions, with covering letter.

 

...........................................

 

Please find enclosed a copy of your original application and terms and conditions for the above account. These documents form the executed agreement between you and american express. Please see the statements we have sent you previously to validate the debt held.

 

Thank you for your £1 cheque in respect of the request for information pursuant to s78 cunsumer credit act 1974. However, on this particular occasion we are happy to waive the fee and thersfore return the cheque to you.

 

...........................................

 

The copy they send me is the same as above and on the back they have stamped 'Received' with the date and then photo copied the terms over the top on the back which do not even fit the page.

 

Still no valid credit agreement just application for card.

 

Will now take it to the next level, has anyone any good link dealing with amex.

 

Thanks

AngryWithAmex

Link to post
Share on other sites

It appears that Amex are looking to minimise their debt exposure by halving credit limits as and when they want .

 

Check your agreement and see if they have complied with the notice period .

 

If not they are in breach but then get a lawyer or a good Cit Ad branch because your wandering in to contract law and they have a heap of lawyers on their pay role

Link to post
Share on other sites
  • 2 weeks later...

Hi

Just quick question, i thought a defaullt notice was supposed to give you 14 clear days to pay, i received a default notice dated 06/11/2008 and asking for payment to be received by 20/11/2008 even though that is 14 days, surely taking into account 2 days postage(1st class) that only gives me 12 days. (I know this was last year, but some interesting developments have occured :) )

Am i correct in thinking that the default notice is invalid??

 

Regards

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...