Jump to content


  • Tweets

  • Posts

    • A full-scale strike at the firm could have an impact on the global supply chains of electronics.View the full article
    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
    • The private submersible industry was shaken after the implosion of the OceanGate Titan sub last year.View the full article
    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
  • 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 
        • 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

my other half vs lloyds


mr k frog
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6192 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hello everyone,

 

I am now in the stage of deciding whether to submit my other halfs claim via moneyclaim or the N1 form. Lincoln court is our nearest and it looks like there might be action from the judges there, having read several posts now from Lincoln people.

 

When I tried to paste the details of particular of claim onto the N1 form to print out it didn't seem to fit and a scroll bar icon came up beside it.

 

Also how do you work out the daily interest? My other half has two bank accounts for which I am claiming, with two separate daily rates of interest. This has been produced by two separate spreadsheets, thanks so much for these Vampress.

 

I am assuming that the two bank accounts can go in one claim? They are both with Lloyds.

 

Happily, NatWest paid out for my bank charges after just the one letter!! How easy was that?!

 

Hope for some answers, thanks.

Natwest settled after 1 letter! £86

Lloyds TSB Judge ordered Stay on 16th March 2007

Honours Student Loan, horrible!! Won't reply to letters of complaint, trying to persist with them.

Link to post
Share on other sites

Hi and welcome,

 

When you're using the N1 form you need to copy and paste the Particulars into a word document and print it out seperately. In the particulars section on the form put See attached.

 

To find your daily rate of interest take your total charegs (not including any of the 8% interest you've earned so far) and multiply the total by 0.00022. Using £100 as an example your daily rate would be £0.02.

 

Yes you can put two bank accounts in one claim.

 

Lucid :)

  • Haha 1

Mindzai & Lucid vs Lloyds TSB

*Won unconditionally with contractual interest (29.85% compounded)

Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65

*All settled in full - 6/2/07

*Hearings - 7/2/07

*Prelims sent - 9/8/06

_______

GOT A COURT DATE? A guide to the later stages

 

[sIGPIC][/sIGPIC]

Link to post
Share on other sites

Thank very much for that. No matter how many times I read the guides it wouldn't sink in!!

Natwest settled after 1 letter! £86

Lloyds TSB Judge ordered Stay on 16th March 2007

Honours Student Loan, horrible!! Won't reply to letters of complaint, trying to persist with them.

Link to post
Share on other sites

Just a quickie!!

 

I am assuming that the copy for the bank goes to court with the court copy and that the court forwards it on?

 

Have searched and can't see that it says any different anywhere.

Natwest settled after 1 letter! £86

Lloyds TSB Judge ordered Stay on 16th March 2007

Honours Student Loan, horrible!! Won't reply to letters of complaint, trying to persist with them.

Link to post
Share on other sites

Yes you hand them all into the court who will then send them out to the bank.

 

Lucid :)

Mindzai & Lucid vs Lloyds TSB

*Won unconditionally with contractual interest (29.85% compounded)

Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65

*All settled in full - 6/2/07

*Hearings - 7/2/07

*Prelims sent - 9/8/06

_______

GOT A COURT DATE? A guide to the later stages

 

[sIGPIC][/sIGPIC]

Link to post
Share on other sites

Hello everyone,

 

have just submitted my claim, but am now paranoid that I have done it wrong. I only put Lloyds TSB as the defendants name, not Lloyds TSB Bank PLC, does that matter?

 

Many thanks,

Mr Frog

Natwest settled after 1 letter! £86

Lloyds TSB Judge ordered Stay on 16th March 2007

Honours Student Loan, horrible!! Won't reply to letters of complaint, trying to persist with them.

Link to post
Share on other sites

Hi Everyone,

 

Would someone please answer if it matters that I only put Lloyds TSB on the paperwork for court, not Lloyds TSB bank PLC, please?

 

I will only be able to go into court to change anything tomorrow, so would really appreciate advice. I know its just a minor thing, but I don't want it to muck up my claim.

 

Many thanks

Natwest settled after 1 letter! £86

Lloyds TSB Judge ordered Stay on 16th March 2007

Honours Student Loan, horrible!! Won't reply to letters of complaint, trying to persist with them.

Link to post
Share on other sites

Please, please, can someone answer my above questions about getting Lloyds TSB name wrong on the N1 form.

 

Have just read on a previous post that it is important to put the PLC part, which I didn't.

 

PLease can someone give me an idea about what to do about this. I feel like crying that all my hard work will be for nothing.

 

Many thanks.

Natwest settled after 1 letter! £86

Lloyds TSB Judge ordered Stay on 16th March 2007

Honours Student Loan, horrible!! Won't reply to letters of complaint, trying to persist with them.

Link to post
Share on other sites

Hi,

 

Don't worry. I think it should be Lloyds TSB Bank PLC but I'm no sure if it's a major probem. The best thing to do is to contact the court and find out from them - they will know for sure. I'd imagine if it was something that meant they couldn't serve the documents then they would let you know pretty soon - did they check over your form while you were there? Get in touch with them and if it is something that needs amending then it will have to done but I'm sure it's not something that's going to make you lose out.

 

Just keep in mind that any claim related problems that come up are best dealt with by contacting the court themselves (in my opinion) - don't wait around for somebody to answer on here cause it could take a while. :)

 

Good luck. Lucid :)

Mindzai & Lucid vs Lloyds TSB

*Won unconditionally with contractual interest (29.85% compounded)

Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65

*All settled in full - 6/2/07

*Hearings - 7/2/07

*Prelims sent - 9/8/06

_______

GOT A COURT DATE? A guide to the later stages

 

[sIGPIC][/sIGPIC]

Link to post
Share on other sites

Thanks, just been reading your thread, what a drama!

 

You must have some serious stamina and strength. But at least you seem to be getting somewhere at last.

 

Marie.

Natwest settled after 1 letter! £86

Lloyds TSB Judge ordered Stay on 16th March 2007

Honours Student Loan, horrible!! Won't reply to letters of complaint, trying to persist with them.

Link to post
Share on other sites

  • 4 weeks later...

Hello, Just to update thread....

 

Have now received Lloyds standard defence and got until 16th MArch to fill in AQ. Back to reading lots of threads now, am so paranoid will make a mistake and blow it.

 

Also looking into the Honours Student Loan people, they have been awful and thinking about asking them for a copy of the original agreement to see if they can find it. If not hopefully I can argue it is unenforceable... Oh I wish!!

Natwest settled after 1 letter! £86

Lloyds TSB Judge ordered Stay on 16th March 2007

Honours Student Loan, horrible!! Won't reply to letters of complaint, trying to persist with them.

Link to post
Share on other sites

  • Haha 1

If I have been helpful please click on my star and add a comment.

Link to post
Share on other sites

Thanks for that, I was looking for it. Knew I had seen it but couldn't remember where!!

 

Regards.

Natwest settled after 1 letter! £86

Lloyds TSB Judge ordered Stay on 16th March 2007

Honours Student Loan, horrible!! Won't reply to letters of complaint, trying to persist with them.

Link to post
Share on other sites

  • 3 weeks later...

HI, after completing the AQ, we have now had a letter saying that the Judge has ordered a 'stay'.

 

I can't see how this can go forward. I realise its to give another opportunity to reach a settlement, but if there is no change do we both have to complete another AQ? And what happens if Lloyds just don't respond?

 

Bit disappointed, hoped that the Judge would just ask for it to be settled!

 

We submitted the updated AQ, am wondering if the Judge thought this to be a bit presumptuous.....

 

What a pain!!

 

Any tips anyone, Many Thanks.

Natwest settled after 1 letter! £86

Lloyds TSB Judge ordered Stay on 16th March 2007

Honours Student Loan, horrible!! Won't reply to letters of complaint, trying to persist with them.

Link to post
Share on other sites

Exactly the same as mine. Nothing to do with the New Strategy AQ.

 

Lloyds are likely to have requested the stay in their AQ - you can check by phoning the court.

 

SCM are likely to do nothing during during the stay, therefore you should initiate negotiations with a letter (my post 62 below) and then at the end of the stay period you can write to the court saying that SCM asked for the stay to settle and made no attempt to settle (my post 86), it puts SCM in a bad light and then you can ask the New Strategy Order again and you are more likely to obtain it.

 

My thread:

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/47207-guido-t-lloyds-tsb-4.html

If I have been helpful please click on my star and add a comment.

Link to post
Share on other sites

Thanks for that Guido T,

 

Have read your thread....I must re-read the Lincoln thread again.

 

Will be sending letter based on yours, so again thanks.

 

Mr Frog

Natwest settled after 1 letter! £86

Lloyds TSB Judge ordered Stay on 16th March 2007

Honours Student Loan, horrible!! Won't reply to letters of complaint, trying to persist with them.

Link to post
Share on other sites

  • 1 month later...

Hi Shyam,

 

well yesterday we had a letter from the courts saying that unless Lloyds were able to supply a list of all cases they have actually taken to court, that the judge would strike it out as an abuse of court process!!

 

Thats very good news, we all know that Lloyds will never provide that info. Now we just have to wait until 18th May, and then the judge can make the order.

Natwest settled after 1 letter! £86

Lloyds TSB Judge ordered Stay on 16th March 2007

Honours Student Loan, horrible!! Won't reply to letters of complaint, trying to persist with them.

Link to post
Share on other sites

Fantastic news Mr Frog! Yesterday was Lloyd TSB's deadline to file a defence for my case, so I'll be on the phone to the courts on Tuesday (danm bank hols!!!) to see whether they have....

 

keeping my fingers crossed for you!

Link to post
Share on other sites

Hi Guido,

 

Yes the order is as follows:

 

" The court, of its own motion, is considering striking out the defence in this action as an abuse of process.

 

The basis for this is the fact that the defendant is settling all claims of this nature where the claiments are seeking reimbursement of bank charges, with no claims proceeding to a contested hearing.

 

The court considers the authority of Mullen-v-Hackney Borough Council (1997) 2 A11ER 906 relevant.

 

If the defendant objects to the proposed strike out, it is ordered to file, by no later than 4pm on 18th May 2007, a schedule setting out all claims of this type an England and Wales which have proceeded to a final contested hearing, and the outcome of such hearings, together with a schedule of all such claims which it ihas compromised before the final hearing after such proceedings have been issued.

 

Upon receipt of any such objections, the court will consider listing the claim for an on notice hearing of the strike out issue.

 

In the absence of any such objections being filed in time, the defence herein will be struck out a judgement entered for the amount claimed by the claiment, together with the appropriate costs claimable on the small claims track."

 

Yesterday (11th) we received a letter from SCM as 'full' settlement of the claim, with the monies going directly into the Lloyds bank account.

 

My other half rang them to state the the bank account was now closed, and that the amount claimed is actually £1294, when they are actually offering £1069. So to reject their offer.

 

The chap he spoke to said that the £1069 was all that they were prepared to offer. We responded by saying now the judge has ruled they are not really in a position to make an offer, even though it said full settlement in their correspondance.

 

I have no idea how they arrived at this figure, just seems to be one they have picked from the sky!

 

SCM replied by saying then it will go to court, great! They have until this Thurs to comply with the order, after which time I am assuming, in the absence of any information forthcoming from themselves, they will be liable for the full amount.

 

We will confrim all we said to them on the phone in writing and then forward a copy of their correspondance, and ours to the Judge after the 18th May.

 

Any suggestions on how we should word this to the Judge? Or should we just wait for him to notify us of the amount with costs that have been applied by the court?

 

Thanks for your Guido, sorry it has taken a few days to get back to you.

 

Hope your claim is nearing its end too.

 

Mr K Frogs, other half.

Natwest settled after 1 letter! £86

Lloyds TSB Judge ordered Stay on 16th March 2007

Honours Student Loan, horrible!! Won't reply to letters of complaint, trying to persist with them.

Link to post
Share on other sites

That's an excellent order. Is there any way that the rest of us can introduce that as relevant info in our court bundles?

broke dave

broke dave v LTSB WON £3840 2 weeks before court.

Mrs broke dave v Barclays accepted offer £355.

broke dave v LTSB (Business) Prelim stage.

broke dave v LTSB (2nd Claim) LBA stage.

Link to post
Share on other sites

If I have been helpful please click on my star and add a comment.

Link to post
Share on other sites

Hi Guido,

 

Thanks for the links. Got a cheque through yesterday for the amount of the offer. It is going to be so tempting to bank it, but I know we should return it with a letter refusing the offer.

 

I do not understand how they think that now is the time for an offer when the judge has made that order?

 

Anyway we shall post the rejection letter, back with the cheque. But how do I convey this to the judge, or do I just wait for the deadline for the order to pass and wait for the judge to rule the amount I am owed?

 

If I want to claim for my time/letters, is that sent direct to the judge, or is that a separate claim? Surely not, I guess it is up to the judges' discretion to award these costs anyway.

 

This is the hardest point, we actually have something to lose now, as at least we have got a cheque off them for 2/3 of the money.

 

Any advice/encouragment would be greatly appreciated!

 

Thanks for all your help Guido, you have been a star!

 

Mr K Frogs other half (and no that does not make me Miss Piggy!)

Natwest settled after 1 letter! £86

Lloyds TSB Judge ordered Stay on 16th March 2007

Honours Student Loan, horrible!! Won't reply to letters of complaint, trying to persist with them.

Link to post
Share on other sites

You are not to advise the court of these offers, they are made without prejudice, which essentially means that should not be disclosed to the court.

 

The judge should enter judgement in your favour without further prompt, however I have in my claim (but in different circumstances) sent a letter to chivvy things along:

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/47207-guido-t-lloyds-tsb-6.html#post812420

 

Please read through the links in my post 23 above and your costs questions will be answered. If you wait a week or so I will post on my thread (as the link above) my costs application.

If I have been helpful please click on my star and add a comment.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...