Jump to content


  • Tweets

  • Posts

    • I'm trying to work through this step-by-step as I read the story again. There was a dispute over a will in respect of your grandfather's house but the dispute was eventually abandoned and it seems that the house was apportioned to your mother and her brother who presumably were the only two children. The will was unsigned and so we could say that the house passed to the two of them under the rules of intestacy. You then decided to buy the house for £50,000 and presumably the money you paid was divided between your mother and your uncle – you are the owners of the house. This was in 1999. We talking about 30 years ago here and so in respect of most legal questions I would have thought that some limitation period applied. (However the issue of the trust has been raised – and this wouldn't be affected by limitation) However, presumably the house was bought at a proper value given the market at the time and any work that it needed doing. Presumably the house was properly conveyed. Although a lot of things have passed – including home improvements, tenancies et cetera, from the store you have told us, neither your parents nor your uncle have been involved in this at all. Now you have received a letter from your parents saying that the house is really theirs and that you have simply been holding it on trust for them and they now want it back. Is this a reasonable summary of what has happened?   Although you have written a fair bit about bills, tenancies, and that you have lived in your parents home for some of this 30 years, I'm not sure what relevance that has to the problem. I have to say that your explanation is very unclear. A bit rambling in fact. If you think that part of the story is relevant then maybe you'd like to express it all a little more clearly and say in what way you think it is relevant to the problem. You are much more familiar with the story then I am but I don't see that those factors are terribly important on the brief understanding that I have. if if any money is owed to your parents because of you having lived with them et cetera then it seems to me that that is a separate matter and has nothing to do with your ownership of the property. You say that you have received a letter from solicitors claiming first of all that there is a constructive trust or that you might be subject to a proprietary estoppel. In terms of the estoppel, that doctrine is only available in very particular circumstances and could not be used to attack you in any event. Estoppel, whether it is proprietary or promissory can only be used as a defence. So the question of estoppel in this situation is completely irrelevant, in my view, although I don't see any basis for one in any event. So what remains is the possibility of a constructive trust. It seems to me to be highly unlikely that there is such a trust and I think that the first question needs to be asked is on what basis they consider that there is a constructive trust. Secondly, of course, even if there was a constructive trust, on the basis of what you have told us, it wouldn't only be your mother who was the beneficiary, it would also be your uncle. Furthermore, if you were a constructive trustee then at the very least you would be entitled to recover all of the expenses that you had laid out over 30 years – including the cost of the property plus interest – less any financial benefit that you had accrued from renting it out and so forth. I'm not sure how good this analysis is. This is well out of my experience – but I would suggest that you consider it and see whether any of it rings true. I would also start making a very detailed account of all the money which you have spent over the years on the property and also a detailed account of all the benefits you have accrued from it. I would supply this to their solicitor that if you end up having to instruct your own lawyer then I'm sure that you may be asked for this if there is any suspicion that a constructive trust may exist. Frankly it sounds like a load of rubbish to me that we will be very interested if you will keep us up to date. So there you have it. No particular answers. Just a few unsupported and unqualified opinions    
    • Hello and welcome to CAG.   I agree with dx, hiring a lawyer is unlikely to help as most of them don't understand fare matters, so you end up paying for their learning curve.   Your idea about involving your GP is a good one, it sounds as if you need their input with how you're feeling. And if they would write a supporting letter that could help too. Hopefully your medical information will be through in time.   HB
    • In the very first claim thread it mentions contacting the claimant is encouraged by the court etc. I was thinking about contacting them and asking about a Tomlin order to put an end to all this, at least I'd be able to stop worrying and maybe get some sleep (currently 4.52am) 😴
    • Hi I'm looking for a bit of help to deal with a claim form from Hoist/ Cohen referencing an old Capital One account please. I have filled out the details below as requested and submitted an acknowledgement of service intending to defend.   In 2007 I sent a SAR and requested a copy of the original CCA from Cap One on this account.    In 2014 Lowells sent a claim form for the same account. I have a copy of a notice of allocation to the small claims track hearing and a copy of the front sheet of ack of service with intent to defend but I have no recollection of its outcome and there are no CCJs on my credit file.    Name of the Claimant Hoist Finance UK Holdings 2 Ltd   Date of issue – 5/11/2019   Date of issue 05/11/19 + 19 days = 24/11/2019 + 14 days to submit defence = 7/12/2019 (33 days in total)   Particulars of Claim This claim is for the sum of £294 arising from the Defendants breach of a regulated consumer credit agreement referenced Under no XXXXX. The defendant has failed to remedy the breach in accordance with a default notice issued pursuant to ss. 87(1) and 88 of the Consumer Credit Act 1974. The Claimant claims the sums due from the Defendant following the legal assignment of the agreement from Hoist Portfolio Holding 2 Ltd (EX CAPITAL ONE). Written notice of the assignment has been given. The Claimant claims 1. The sum of 294  2. Costs   What is the total value of the claim? £369   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC I received a letter of claim & income / exp forms.   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? yes   Did you inform the claimant of your change of address? Not sure claim is for Credit card   When did you enter into the original agreement 2003   Do you recall how you entered into the agreement not sure   Is the debt showing on your credit reference files yes, as closed   Has the claim been issued by the original creditor. Assigned   Were you aware the account had been assigned – did you receive a Notice of Assignment?  from HPH2 to HFUKH2L, I don't have anything from Cap One.   Did you receive a Default Notice from the original creditor? Yes (2007) Have you been receiving statutory notices headed “Notice of Sums in Arrears” or " Notice of Arrears "– at least once a year ? Not sure, I’ve had letters from Robinson Way.   Why did you cease payments? illness and inability to deal with my debts, I had no money no job and my mental health was in a terrible state.   date of your last payment? 07/2014 paid to Robinson Way   Was there a dispute with the original creditor that remains unresolved? No (PPI and bank charges refunded)   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes   Do I send a CPR 31.14 next asking for the agreement, notice of assignment and the Default notice?   Thanks.
    • It states the charge as: 'did enter a compulsory ticket area without having with you a valid ticket. Contrary to Byelaw 17 (1) of the Transport for London Railway Bylaws Made under paragraph 26 of Schedule 11 to the Greater London Authority Act 1999 and confirmed under section 67 of the Transport Act 1962.'   Then a brief statement of facts that the pass did not belong to me, and that I had stated it was due to financial reasons. It then contains information about making my plea and then the statement of the revenue officer.   I am of course planning on pleading guilty before the cut off point and attending court (I'm hoping to be well enough to attend anyway). I'm just concerned about the consequences and if there is any point in trying to still reason with TfL now that court application costs are at least involved.   I have debated getting a solicitor solely because of what I've read on the internet and what it says about ruined job prospects, I know it's probably scare tactics to get me to hire someone but it is the driving fear behind everything at the moment. 
  • Our picks

PayingThePiper6765

HPH2/Cohen claimform - old Santander [GE Money H.Samuel] Store Card 'debt'***Claim Dismissed***

style="text-align:center;"> Please note that this topic has not had any new posts for the last 1114 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.

 

I've received a claim out of the blue.

It's from what appears to be a debt purchase firm via a solicitor.

 

There is absolutely no indication of where the original debt comes from so I'm confused.

 

Some back story.

 

I split with my ex about three years ago.

I lost pretty everything except the clothes on my back and a day sack with some extras.

I was in debt up to my eyeballs immediately because the house of cards came down.

 

In the few years since, I've slowly paid off the various debts out there.

I know there is definitely one (Santander) but when I contacted them,

they refused a payment and said someone would be in touch.

 

I've moved several times since but have been at my current address for over 18 months now.

I have not received any letters claiming money.

 

A second problem,

that persists still today was the day sack I had when I lost my lovely house and son was stolen.

It had all my personal paperwork in it!

 

I've had an endless nightmare ever since.

In fact just last week I had to contact a payday company because someone tried obtaining a loan in my name.

It concerns me that this debt may fraudulent in someway.

 

if I owe the debt in question,

how do I go about finding out what this debt is exactly?

Also, how do I prove this is the first contact from the claimant?

 

One last question. Can I type out my defence and attach it or does it have to be hand written?

 

Thanks

Share this post


Link to post
Share on other sites

Hello and welcome to CAG.

 

Just to check, have you received an N1 form from a court? If you have, we'll move you to the Financial Legal forum for advice on this.

 

My best, HB


Illegitimi non carborundum

 

 

 

Share this post


Link to post
Share on other sites

Hi piper

First thing to do is go register on MCOL and acknowledge the claim

Tick defend all

Leave jurisdiction unticked

 

Now normally we wouldnt advise speaking to anyone over the phone

but i think in this case as you have received a claimform you need some answers quickly.

 

Call the solicitors, not the dca and ask what the debt is for.

No need to go into a conversation about anything else just find out who the original creditor is.

 

Then its a CCA to the dca dependant on what the debt is about

And a CPR 31:14 to the solicitors.

 

Any q's, ask here

 

Martin


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

Share this post


Link to post
Share on other sites

Thread moved to Financial Legal Issues.

 

If you would kindly read the following link and copy and paste the questions and your responses back here to enable the best advice on how to proceed with the claim.

 

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

 

Regards

 

Andy


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

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

Just to add to the above b4 I step back.

 

Once you have acknowledged on MCOL and ticked defend all, you have 33 days including the day of the N1 claim form to submit a defence. SO remain calm and keep us uptodate as you progress and ask any questions you may have.

 

Help to guide you through the process is on hand, Just follow the instructions laid out above.


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

Share this post


Link to post
Share on other sites

Name of the Claimant ? HOIST PORTFOLIO HOLDING 2 LTD Jersey

Date of issue 16 May 2016

What is the claim for –

 

1.This claim is for the sum of £581 in respect of monies owing under a regulated credit agreement

pursuant to the consumer credit act 1974 (CCA) under original account no XXXXXXXXXXXXXXXX

The debt was legally assigned to the claimant and notice has been served.

 

2.The defendant has failed to make contractual payments under the terms of the agreement.

A default notice has been served upon the defendant pursuant to section 87(1) CCA.

The claimant claims

1. The sum of £581

2. Interest pursuant to s69 of the county court act at a rate of 8.00 percent from

the 26/04/14 to the date hereof 746 days is the sum of £95.

3. Daily interest at the rate of £.13

4. Costs

 

What is the value of the claim? £806

Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? store card

 

When did you enter into the original agreement before or after 2007? unsure.

 

Has the claim been issued by the original creditor

or was the account assigned and it is the Debt purchaser who has issued the claim. HPH2

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? No.

Did you receive a Default Notice from the original creditor? I believe so.

 

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

Why did you cease payments?

Was in serious financial trouble including payday loans.

Am still not completely free of debt three years later.

I know it was wrong but I just wasn't earning enough to pay it all.

 

What was the date of your last payment? Unknown.

Was there a dispute with the original creditor that remains unresolved? Only in that they refused payments and said someone would contact me.

Did you communicate any financial problems to the original creditor

and make any attempt to enter into a debt managementicon plan? Yes. It was declined.

 

Thanks again.

I know this is serious,

and I'm happy to pay my debts.

My worry once it's confirmed that it's santander is my repayment schedule

and the extras added. (Only work part time)

 

I'm assuming I need to send this document

 

[consumeractiongroup.co.uk/forum/showthread.php?387484-LEGAL-CPR-31.14-Request-Request-for-information-when-a-Claim-has-been-issued

 

to the claimant for the original credit agreement?

 

 

Anything else I need to ask for?

 

Thanks

Share this post


Link to post
Share on other sites

See post 3 ...

 

CPR 31.14 to the claimants Sols (information)

 

CCA (section 78) to the Claimant. (credit agreement)


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

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974-**Updated-January-2015**&p=4853127#post4853127

 

Dont forget to edit/and/or delete any bits not relevant and no need to post it to thread, we dont allow templates to be posted 🙂


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

Share this post


Link to post
Share on other sites

Hello.

 

I have finally had contact from one of the letters I sent, and it's very strange.

 

I sent the letters to the portfolio in Jersey, and Howard Cohen in Leeds. I have proof from the post office with the postcodes.

 

I received a reply from Manchester, a debt agency. Robinson Way.

 

Dear Mr.Stupidity

 

We acknowledge receipt of your requests under sections 77/79 of the consumer credit act. Please find by return your £1 fee.

 

Your account is now with our clients solicitors Howard Cohen and Co and they have issued a county court claim against you.

 

We have forwarded your request to them as under CPR 31.14 you are entitled to request documentation mentioned in the particulars of claim.

 

They are currently in process of retrieving the documents requested.

 

Therefore, please accept this letter as agreement to a general extension of time. Once they have provided you with the documents as requested they will grant a further 14 days for you to respond to the claim form as you feel appropriate.

 

Something very fishy is going on. I wrote and sent a letter to Howard Cohen, not Robinson Way (Who i had no idea was handling this). Also, do they have the right to extend this, or are they just paying for time.

 

Also, shouldn't I have recieved something from the courts to acknowledge my defending?

 

Tried logging into moneyclaim.gov.uk and seems the site is broken for me.

I rang the helpline, and they have confirmed that i have until the middle of this month.

 

Please help as I cannot afford a solicitor and the panic isn't pleasant.

 

Thanks in advance

Share this post


Link to post
Share on other sites

Why do you say MCOL is broken please?

 

Sometimes if you go back later, it works, but if it's something else tell us and someone will know what to do. :)

 

HB


Illegitimi non carborundum

 

 

 

Share this post


Link to post
Share on other sites

seems to be a cookie issue with my home computer.

I have met my partner who has the laptop,

and i can access the page fine with it.

 

I will look at it when I get home again, but am juggling so much right now sadly

 

Hi, just a quick question really.

 

In forming my defence, should I attach earnings and expenses?

 

As no information has been supplied, then I contest that I owe the money. there seems to be no paperwork whatsoever.

Share this post


Link to post
Share on other sites

Firstly i would re send the CCA letter to Hoist, they must accept the £1 fee.

 

Secondly, have a look through the legal forum for defences based on no paperwork/holding for now, if no documents arrive by your filing date(which you MUST NOT MISS), then that is the defence you use.

 

Before filing ANY defence, post it here for approval and checking.


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

Share this post


Link to post
Share on other sites

I sent the £1 fee to howard cohen, not Hoist. This is why I asked for help, so does this mean that I have sent the wrong documents to the wrong people and am now in trouble?

Share this post


Link to post
Share on other sites

What you should have sent:

 

CCA to Hoist referencing only s78 complete with £1 statutory fee

 

CPR 31:14 to Howard Cohen, no fee required

 

What you want in reply is absolutely nothing, if nothing arrives then you file the no paperwork/holding defence before 4pm on the due date.

 

If you receive ANYTHING back, come back and update the thread for advice


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

Share this post


Link to post
Share on other sites
See post 3 ...

 

CPR 31.14 to the claimants Sols (information)

 

CCA (section 78) to the Claimant. (credit agreement)

 

As previously advised.


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

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

I posted a reply I recieved yesterday morning at 8.50am

 

To explain (without going in to it too deeply)

 

I am currently dealing with a family fallout after the death of my uncle who has been cohabiting with my Mother for about ten years. His children (my cousins) are trying desperately to asset strip my mother and this has been the main focus of my life recently.

 

It is causing me serious stress which is resulting in mistakes like this.

 

I am sorry

 

I sent the two letters off.

I have postal proof including the postcodes.

I sent the letter to Leeds LS3 1AB.

 

 

I recieved a reply from Manchester (Robinson Way) telling me the account is now with Howard Cohen LS3 1AB

 

They are claiming i have an extension of time, which sounds very suspect.

 

I am forming my defence now

 

And to be frankly honest, I'm struggling terribly with my defence too

Share this post


Link to post
Share on other sites

Dont worry about the CPR/CCA requests..you sent them...they wont comply anyway.

 

Plenty of examples of defences in the following forum......try to find a similar claim ...same claimant if possible.Have a go at drafting your defence and post here first.

 

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


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

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

Just for a little clarity for u PTP

 

Santander were the original creditor (you assume, via HSamuel)

 

When you stopped paying they sold the debt to Hoist (HPH2 Ltd) so they now own the debt.

 

Robbers Way have been appointed by Hoist to collect the debt on Hoist's behalf.

 

Just so you have an understanding if what's happened so far.

 

We accept people have many things going on in life and its sometimes easy to forget that you have nothing else to do but deal with this.

The team here will help wherever they can, all you have to do is follow the advice given, which will involve some extensive reading of like threads and such.

 

And finally, sorry for the loss of your uncle and hope the rest soon sorts itself out.

 

Martin


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

Share this post


Link to post
Share on other sites

Thank you for your kind word and help.

 

Have had to involve a solicitor RE mum, but she seems much happier after talking to him. Fingers crossed.

 

I have assembled an attempt at defending myself, and will PM Andy (if thats ok)

Share this post


Link to post
Share on other sites

You will not receive any help via PM, this is an open forum and any advice offered must be via thread, please see site rules


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

Share this post


Link to post
Share on other sites

Responding to your PM

 

The contents as below.

 

"Hello Andy, thanks for the help so far. Can you give this a quick once over to see if this is acceptable? Should I attach proof of posting etc with defence? Any ideas on costs? Post it on line using MCOL...I assume you acknowledge service on line?

 

1. The Defendant contends the particulars of claim. They are generic and undetailed, with no real explanation of the debts origin. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.

 

2. Paragraph 1 is denied with regards to the Defendant owing any monies to the Claimant. The claimant has failed to provide any evidence of agreement/contract/breach as requested by CPR 31.14 and is in default.

 

3. Paragraph 2 is denied as The Defendant maintains that a default notice was never received.The Claimant is put to strict proof to that a default notice was issued to and received by the Defendant.

 

Thanks "

 

The defence is fine so far but must be completed to the standards content and form you will have seen in other posters threads in the Financial Legal Success forum.

 

Regards

 

Andy


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

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

Sorry, was just wanting my defense checked. I've already realised the lovely parasite agencies frequent this place also.

 

1. The Defendant contends the particulars of claim. They are generic and undetailed, with no real explaination of the debts origin. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.

 

2. Paragraph 1 is denied with regards to the Defendant owing any monies to the Claimant. The claimant has failed to provide any evidence of agreement/contract/breach as requested by CPR 31.14 and is in default.

 

3. Paragraph 2 is denied as The Defendant maintains that a default notice was never received.The Claimant is put to strict proof to that a default notice was issued to and received by the Defendant.

 

I attach proof of posting letters too? Any advice on claiming costs? The more I get, the more I can donate.

 

Thanks

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...