Jump to content


  • Tweets

  • Posts

    • J&P Credit Solutions are specialists on debt recovery. Either way they seem to be swapping between the JandP and IDR whatever their exact definitions are.
    • Primary and secondary teachers are supporting pupils with their own money, buying food and warm clothing. Eight in 10 primary teachers in England spending own money to help pupils | Education | The Guardian WWW.THEGUARDIAN.COM Increasing numbers of children hungry and lack adequate clothing, with two-thirds of secondary teachers also supporting pupils  
    • I googled "prescribed disability" to see where it is defined for the purposes of S.92. I found HMRC's definition, which included deafness. I don't  think anyone is saying deaf people cant drive, though! digging deeper,  Is it that “prescribed disability” (for the purposes of S.88 and S.92) is defined at: The Motor Vehicles (Driving Licences) Regulations 1999 WWW.LEGISLATION.GOV.UK These Regulations consolidate with amendments the Motor Vehicles (Driving Licences) Regulations 1996...   ….. and sleep apnoea / increased daytime sleepiness is NOT included there directly as a condition but only becomes prescribed under “liability to sudden attacks of disabling giddiness or fainting” (but falling asleep isn't fainting!), so it isn’t defined there as a “prescribed disability”  Yet, under S.92(2)(b) RTA 1988 “ any other disability likely to cause the driving of a vehicle by him in pursuance of a licence to be a source of danger to the public" So (IMHO) sleep apnea / daytime sleepiness MIGHT be a prescribed disability, but only if it causes likelihood of "driving being a source of danger to the public" : which is where meeting / not meeting the medical standard of fitness to drive comes into play?  
    • You can counter a Judges's question on why you didn't respond by pointing out that any company that charges you with stopping at a zebra crossing is likely to be of a criminal mentality and so unlikely to cancel the PCN plus you didn't want to give away any knowledge you had at that time that could allow them to counteract your claim if it went to Court. There are many ways in which you can see off their stupid claim-you will see them in other threads  where our members have been caught by Met at other airports as well as Bristol.  Time and again they take motorists to Court for "NO Stopping" apparently completely forgetting that the have lost doing that because no stopping is prohibitory and cannot form a contract. Yet they keep on issuing PCNs because so many people just pay up . Crazy . You can see what chuckleheads they are when you read their Claim form which is pursuing you as the driver or the keeper. they don't seem to understand that on airport land because of the Bye laws, the keeper is never liable.   
    • The video-sharing app told the BBC that a "very limited" number of accounts had been compromised.View the full article
  • Recommended Topics

  • Our picks

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

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

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

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

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

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

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

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

      Frankly I don't think that is any accident.

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

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

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

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

       

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

Pinklover vs HSBC


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

Thread Locked

because no one has posted on it for the last 5179 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

So, I received the 1st letter from HSBC regarding my financial situation. Basically, I've an unsecured loan of £13,000, a credit card of £3,500 and overdrawn in my current account of £250 with them. All the payments have been kept up to date apart from the start of Jan which is when I'm experiencing difficulties to making repayments.

 

I've written to them using the template from this site about making reduce payment base on what I can afford which is around £60 but instead of hearing to see if they'll accept that for the time being, I received a confusing message about a recent conversation I had with them which they agreed to call me back but fail to reach me, they're asking me to call and discuss with possibly another call centre about my situation.

 

I've never had any conversation with them as I put in my letter that all my correspondance will be in writing only, so I guess it must be a template letter?

 

So I'm wondering what should my next step be? Should I put in some sort of token payment to show that at least I attempt to pay in? or write to them again asking if £60 is acceptable? Also I've not send them the CCA request letters, should I be doing that at this stage to see if they've an valid agreement?

 

I really appreciate any help possible!

Link to post
Share on other sites

Hi Pinklover , welcome to the forum :)

 

I would say that you should keep paying what you can afford , whilst trying to negotiate a repayment which you are both happy with ... that way you are proving that you intend to repay.

 

You are wise to insist on communication being in writing only .... that way they shouldn't hassle you with phone calls ..... and there's a paper trail if it became necessary to prove your willingness to pay what you can afford ..

 

As for a CCA , you can ask for that at any time costs £1.00 and they have 12+2 days to produce it .....

 

I would be wary of them offering you a 'Managed Loan'......they won't call it that , but the approach is ..... "oh! we can lump all your debts together and you pay in one easy instalment " ........ sounds great , but you are paying forever.... at inflated interest rates, it's financial slavery ....

 

If you could clear that £250 overdraft it would help ... you could also consider opening a parachute account with a completely different bank so that any earnings /income is not swallowed up by HSBC under the 'Rights of Set-off' ..... where they can (legally) use money coming into one account to service a debt on another .....

 

Parachute Account

http://www.consumeractiongroup.co.uk/forum/general/13832-do-you-need-parachute.html

This is an account which you use for your everyday Income/Expenditure , but don't go overdrawn.... it gives you breathing space to address your position with HSBC and you can pay them what you can afford towards your debt ....

 

Come back if you need more info on anything .... someone will answer ,and we're user-friendly on here . :)

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

Link to post
Share on other sites

Thanks Johnnymitch, I've already using a parachute account for my wages to pay in from this month onwards. I think I'll pay in what I propose to them and continue writing to them as well as request for a CCAs.

 

The only thing with the overdraft is that, my agreed overdraft amount was only £250 but because of my non payment on the loan, they've decided to go over my overdraft limit and debit the loan from there, making the overdraft amount by £600 as (£350 is for loan repayment), so even if I pay in £250 trying to clear it, it won't be clear as it has gone above the limit..hope it makes sense?! :p

 

I'll keep you all posted for when I hear more from them and see if they manage to send me the CCAs that I will be requesting.

 

Thanks for any advice!

Link to post
Share on other sites

Pinklover , they're not allowed to do that ..... they can't put you into debt on one account to service another ..... the 'Rights of Set-off don't allow that .....

 

Right of set-off ...............

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/40/40_setoff.htm

(courtesy of vint54)

They are allowed to take regular payments or offset a defaulted loan, from a credit balance only.

You need to write to them, insisting that they return your account balance to where you had left it. Remind them that the terms of ‘set off’ only allow them to dip into a CREDIT balance - NOT create an overdraft, even if the overdraft is an agreed one.

I would insist that they comply with this or be reported to the Financial Ombudsman.

Edited by johnnymitch
Tidying up ........ LOL!

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

Link to post
Share on other sites

Thanks again, I'm so thankful of all the info I gain from here! I've no idea they're not allow to take more from an overdrafted account.

 

I've written them a letter now to ask them to bring my account back to what it was before so that I can pay off my overdraft at least.

 

In regards to lumping everything to one, I've been there..done that as well as I get into this mess because that's what they proposed to me 2 years ago to consolidate in one big sum..and guess what?! I'm not in a position that I can't afford such a big payment every month anymore..so I won't be tempted to do that again, that's for sure!;)

Link to post
Share on other sites

Pinklover, if that was a 'Managed Loan' then it's supposed to be a short-term measure (rolling on the floor laughing ! ) to tide you over until you can afford a better deal ... they're supposed ot review it periodically and if your circumstances have improved to offer you a revised arrangement / Terms & Conditions which are to your advantage, not theirs ...

If they haven't done any reviews ... I would ask them why .... :) put 'em on the back foot .....

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

Link to post
Share on other sites

I'm afraid I might not have explain it properly..I've taken a loan from them years ago, probably around 8 years ago. My credit card payment have gone up lots in a few years after and they afford me to combine the credit card balance to the exisiting loan to make it a lump sum to pay (as lower interest), so I sign for a new loan amount around 2007. Sadly, as well as paying for that loan, I've also use the credit card as well..which means that the credit card payment start building up again to the point now where I cannot afford to repay both the loan and the card.

 

So, I'm afraid it's not a short term measure as they've issue me with a new agreement to sign at the time when I increase the loan amount to pay off the CC. (Just hope they lost the paperwork now!);)

Link to post
Share on other sites

Sorry pinklover I misread ..... when you said "

I'm NOT in a position that I can't afford such a big payment every month anymore..so I won't be tempted to do that again, that's for sure!
I should have realised you meant "I'm NOW in a position ..etc etc ...... "

 

You've nothing to lose (except £1) by sending them a CCA ....... I'd say go for it ....... they're not allowed to call for payment in full if you're only asking for copies of your agreements ............

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

Link to post
Share on other sites

  • 3 weeks later...

Just a little update of my situation and looking for help at the same time!

So, still haven't heard much from HSBC regarding my missing payment on my loan and credit card. I've not yet send my CCA (Yes, I know..as I've been away since my last post but planning to send them end of this week) So far, I've only received 2 standard letter reminding me to make payment and asking me to call, together with a leaflet for help on finances etc.

 

My concern is that since I send them the letter regarding them taking money from my (already overdrawn current account) to repay my monthly loan payment, they're still doing it this month. I've just check my account online and my normal loan payment goes out 1st of each month and I can see they've debit from my account again! My agreed overdraft limit is only £250 but now because they've debit 2 x monthly loan payment, it's over £900 overdrawn. I'm aware from the posts above that it is illegal for them to do that.

 

I've sent them the letter for over 2 weeks now, they've not response or credit my account back to normal.

 

I'm wondering if someone can tell me what is the best address to write to them and also address to send in for my CCA?

 

Many thanks!

Link to post
Share on other sites

Hi Pinklover , sounds like you've been busy .... :)

 

Send them a 'Recorded Delivery' Letter , refer to your previous letter and tell them that , unless your account is fully restored within 7 days to it's previous balance before they plundered it illegally , that you will report them to the Financial Ombudsman .........

 

Financial Ombudsman Service

 

It may be worthwhile telephoning the Ombudsman anyway , to ask them for advice, that way you may get a Case no . which you can refer to when corresponding with HSBC . That way they'll know you mean what you say .. :cool:

 

The address for your CCA (and your complaint letter, but send them separately):

 

HSBC Bank Plc

Service Quality Team

Arlington Business Centre

Millshaw Park Lane

Leeds

LS11 0PP

 

Tel 08456 028006

 

Fax 08001696143

 

Incidentally , who did you send your first letter to ?

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

Link to post
Share on other sites

Thanks so much again! I will send following up letter, CCA and copies of previous letter to the Leeds address..my 1st letters was sent to my account holding branch and copies was sent to Canada square, London. I will be sending them as recorded from now on, it was just at the time post office was closed and I happen to have lots of stamps lying around and didn't thought much of keeping a record of it all.

 

I shall write an update if I hear anything from them.

 

Thanks again!:D

Link to post
Share on other sites

You're welcome , pinklover ,- let's know how you get on if you would please .... it'll help others .... :)

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

Link to post
Share on other sites

  • 3 weeks later...

Ok, so a little update on the CCA requests that I've send just over two weeks ago now..sadly, they've promptly responsed to my request on credit card agreement and from my limited knowledge, looks like the real deal as it has my original signature on it and that they send the documents within the allow timeframe..so can't really agrue with that!:(

 

However, they still haven't send me the agreement for my unsecure loan which I've sent the request on the same day as the credit card one, it has now go over the 12+2 days timeframe. Can someone please suggest me which letter to send now? will it be the account in dispute one? At least, because they've produced the Credit Card agreement without asking for my real signature on the request letter, they can't really ask for that for my loan agreement copies! At least, they can't use that as an excuse if they fail to produce that copy.:p

Link to post
Share on other sites

Hi pinklover , somehow your post seems to have been overlooked ,, sorry about that ........... you could send them this letter just adapt it to the info you want ...

Reference ....... (your letter of xx xxx xx)

I am disappointed that you have failed to respond to my request for a copy of my Loan agreement to which I am entitled under the Consumer Credit Act 1974 (Sections 77−79). A copy of this letter is attached for your convenience.

I have previously enclosed a payment of £1.00 which represents the fee payable under the Consumer Credit Act.

I understand a copy of our credit agreement should be supplied within 12 working days. The deadline for this passed on xx xxx xx

I am sure you also understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

Failure to respond positively will be reported to the Financial Ombudsman Service and the Information Commissioner’s Office .

Yours faithfully

 

See what they come back with on that :D

You could also add :

"PLEASE NOTE that unless otherwise stated by yourselves and if the above documents are NOT provided, it will be CONFIRMED that you are unable to reproduce/provide in any way shape or form any copies of the above requested documents. You are reminded that you have a duty to inform me if you do not have the above documents. This is confirmed in High Court Law - Ezsias v Welsh Ministers - [2007] All ER (D) 65 (Dec) "

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

Link to post
Share on other sites

Well, at least they've got to tell you if they haven't pinklover ... :) .

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

Link to post
Share on other sites

Thanks Johnnymitch yet again for helping me re: editing post!;-)

 

I've re-attach links so that it this post hopefully won't stretch too long!:p

 

As I mentioned previously, they've reply back to confirm they're unable to locate my sign copy of the agreement as highlighted on my 1st page attachment letter. Instead, they've send the various PRE-contract agreement and the breakdown of the payments I've made so far etc..

 

So, my question is if there is a letter to send them (obvious not to request my true copy of the agreement anymore! As they already said they haven't) but to nicely ask them to written it off becos there are no agreement, which I know they won't but prehaps start to negotiate a F&F offer? Hope it make sense! My thoughts is that as long as this won't go to court (which I doubt it would now), I don't intent to make payments towards it mostly becos I can't afford it right now, so I guess it'll just get pass around different DCA in circles for the next years? Am I right to assume that?!

 

HSBCCCA1.jpg picture by pinkshoppy - Photobucket

 

HSBCCCA2.jpg picture by pinkshoppy - Photobucket

 

HSBCCCA3.jpg picture by pinkshoppy - Photobucket

 

HSBCCCA5.gif picture by pinkshoppy - Photobucket

 

HSBCCCA5.gif picture by pinkshoppy - Photobucket

 

HSBCCCA6.gif picture by pinkshoppy - Photobucket

 

 

Thanks again for all the help so far!!:)

Edited by pinklover
Re-attach pictures
Link to post
Share on other sites

Hello?!?! Are there anyone that can help re: letter I can now send since they come back with No CCA??

 

Also, can anyone suggest ways to edit my previous post? Need to edit the attachments..how can I edit/delete them??

 

Thanks a lot!:)

Link to post
Share on other sites

Hi pinklover ..... bit stretched there eh ? LOL :D

 

If you go down to the right hand corner of your post that has the copies on it , click on 'Edit' then when the screen comes up again select the images and click 'Delete' .

 

You can probably put them back on another post if you use a different scan media ..... like maybe Photobucket ?

 

also I don't see any signatures on what you've already posted are there other pages to be displayed ? :confused:

 

I look forward to your thread being de-stretched ..... :cool:

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

Link to post
Share on other sites

So okay, sometime has past now since I receive HSBC's letter confirming they do not have my signed agreement. I've yet to respond to them regarding this. I received in the post another letter detailing the amount I owe for this loan and also the amount I'm currently in arrears for i.e. two months of missed payments.

 

I really would appreciate help on my next step as I will not be able to make payment especially now knowing that this agreement is un-enforceble. So, can anyone suggest the next letter to send? Will an account in dispute letter applies seeing they cannot produced a sign copy of my agreement which I originally requested for? Or a letter making them known that I'm aware that this loan is not forceable and therefore ask to written it off or accept a heavily reduced full and final settlement?

 

I really appreciate if someone can share their experience if they've been in similar situation.:D

 

Thanks again!

Link to post
Share on other sites

Hi pinklover , :)

 

You could try this one .... amended to suit your circumstances ..... see what they come up with .........

 

TO |: HSBC

Dear XXXXX

ref. XXXXXXXXX

Thank you for your letter dated XXXXXXXX

As you have admitted that you don’t hold a valid CCA for this account and the one you have sent me is an agreement that you cannot prove I may or may not have signed, then I consider that you have no evidence on which to base your accusation .

The agreement you have sent me renders this account unenforceable. I am now saying, based on the letter and agreement you have provided, that this account is unenforceable.

As a gesture of goodwill on my part I will pay you £1.00 a month towards this debt as long as you agree to:-

Remove all interest charges.

Removed all late payment fees.

Stop adding interest charges.

Stop adding late payment fees.

If you have not replied to me within 14 days of the date on this letter then I will assume you accept this offer.

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

Link to post
Share on other sites

Thanks Johnnymitch, brilliant as always!! :)Letter looks great, simple and make sense to me, so will send that off and see what they say.

 

Still struggling to chase the loan repayment they took from my overdrafted current account. They've refunded one month's worth but claim that never took the 1st month's payment which was obvious that they did from the bank statement, so will now drop off another letter to make it more clear...

 

update real soon...;)

Link to post
Share on other sites

Ok PL ...... don't let 'em off the hook ...... :) send them a copy of the statement with the payment on it .... put a big ring round it and ask "What's this for then, and when are you going to refund it ? " (or words to that effect :D)

  • Haha 1

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

Link to post
Share on other sites

  • 2 weeks later...
Pinklover , they're not allowed to do that ..... they can't put you into debt on one account to service another ..... the 'Rights of Set-off don't allow that .....

 

Right of set-off ...............

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/40/40_setoff.htm

(courtesy of vint54)

They are allowed to take regular payments or offset a defaulted loan, from a credit balance only.

You need to write to them, insisting that they return your account balance to where you had left it. Remind them that the terms of ‘set off’ only allow them to dip into a CREDIT balance - NOT create an overdraft, even if the overdraft is an agreed one.

 

I would insist that they comply with this or be reported to the Financial Ombudsman.

Hi Johnnymich

That interesting as my bank does regulary dip into my overdraft facility to service a late payment of my credit card even when account in debit,Though having said that though they use my overdrafraft facility to service late or missed credit card payments they never to my knowledge have taken it if it takes me over credit limit but they regularly use my authorised overdraft facility to service credit card :mad:

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...