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    • I do disagree with you regarding one thing - we are not very good with letters or these situations and are slow on the uptake. So far you have stood up to Excel and their threats, immediately given us the information in the sticky, done loads of reading up to educate yourselves, learnt from the mistake of outing the driver so you'll know not to do so in the future, got on to the organ grinder to try to get them to call off their dogs, etc., etc.  Good grief - we wish everyone who came here would do this!!! Most people who get these invoices sadly think they have been fined and if they don't pay a drone from Ukraine will be diverted and will fall on their home (or some such vague grand apocalyptic threat) and they fold and give in.  You haven't.  Well done. Don't worry - you won't be paying a penny.  Although it will take some time to see off this vile company.
    • Spot on!  You learn quickly. Who cares if the case gets sent to debt collectors?  They have no powers.  All the effort you will have to put in will be to open envelopes - and then spend time laughing at their daft "threats".  No stress at all!
    • I did ask them why, but seems they have more spare cash than we do .. ;-( .. I doubt their bank would even support a chargeback after a year has passed. Anyway I've constructed my first DRAFT Snotty Letter .. so here goes ..   RE: PCN 4xxxxx Dear ALLIANCE PARKING Litigation Dept, Thank you for your dubious Letter Of Claim (dated 29th April 2024) of £100 for just 2 minutes of overstay. The family rolled around on the floor in amazement of the idea you actually think they’d accept this nonsense, let alone being confused over the extra unlawful £70 you had added. Shall we raise that related VAT issue with HMRC, or perhaps the custodians of the unicorn grain silos? Apart from the serious GDPR breach you’ve made with the DVLA and your complete failure in identifying the driver, we’re dumbfounded that the PCN is still not compliant with the PoFA (2012 Schedule 4 Under Section 9.2.f) even after 12 years of pathetic trial and error. We also doubt a judge would be very impressed at your bone idleness and lack of due diligence regarding the ANPR entry / exit periods compared with actual valid parking periods. Especially with no consideration of the legally allowed grace periods and the topological nature of the Cornish landscape versus a traditional multi-storey. And don’t even get us started on the invisible signage during the ultra busy bank holiday carnage, that is otherwise known as the random parking chaos in the several unmarked over-spill fields, or indeed the tedious “frustration of contract” attempting to get a data connection to Justpark.  We suggest your clients drop this extreme foolishness or get an absolute hammering in court. We are more than ready to raise the issues with a fair minded judge, who will most likely laugh your clients out in less time than it takes to capture more useless ANPR photos. We will of course be requesting “an unreasonable costs order” under CPR 27.14.2.g and put it toward future taxis to Harlyn Bay instead.  We all look forward to your clients' deafening silence. Legal Counsel on behalf of the Vehicle Keeper.  
    • Hi,t I'm not sure if I'm posting in the right subsection but General Retail appears to be the closest to it I think... About a year and a half ago I got a new phone so I listed my iPhone 10 on eBay.  The listed stated 'UK only' and 'no returns accepted'. Considering I had had the phone for about 4 years, I myself was amazed that I had kept it in such good condition all that time - apart from being slightly scuffed around the charging port there was absolutely nothing wrong with it. It had the original box, its unopened original Apple cable, plug, and earbuds, and I threw in a case for it and It had always had a screen protector on it. Someone wanted it from Armenia, and I stupidly agreed to it.  She paid and I sent it off, fully insured. Not long after she received it, she sent a message saying it 'was not as described', so I asked to see photos of whatever was the problem.  She sent two photographs of the box.  Just the box.  I said I wasn't even going to consider refunding her unless she told me what she meant by 'not as described'.  I thought, if it's been damaged in transit, then it would be covered by the insurance. Anyway, she didn't respond at all, even though I had messaged her several times, so she opened a case with eBay. I have sold a fair few things of mine on eBay in the past buy had never had had anyone come back to me asking for a refund.  I got in touch with eBay several times by phone and by email, and found out they always side with the buyer, no matter what with their 'eBay Seller Guarantee'.  She had been told she could keep the phone and told me they would recover the money from me from my account blah blah.  So I unlinked all of my cards etc and changed my bank account to one that I never use with no money in it. My account got suspended.  I continued to try to explain to eBay that I had been scammed but I got nowhere. My account was permanently inaccessible by this point. I reported the phone stolen and the IMEI blacklisted but I'm not sure if that would make any difference being in Armenia, but it was all I could think of to piss the buyer off. A couple of months later I was contacted by email by a debt recovery company (I can' remember who now), to whom I explained I will not discuss the matter with them until I had received an SAR I had requested from eBay. As I could no longer access my account, I couldn't review the communication I needed to show I was not in the wrong. The SAR was produced but I was advised that the information I was looking for would not be included but I said I wanted it anyway.  There were so many codes etc. and hoops to jump through to access it, that even after trying whilst on the phone to them, I still couldn't get into it, so I never got to see it in the end.  I think they said they would send the code by post but they never did and I forgot about it after a while. I've just come across a couple of emails from Moorgroup, asking me to phone them to discuss a private matter regarding eBay.  I haven't replied or done anything at all yet.  The amount they are trying to recover from me is £200ish from what I remember. I know it's not that much but I don't want to pay the b*astards on general principle. I've had a lot of useful advice from CAG in the past about debt collectors but it has always been about being chased by creditors, I've never been in this situation before. I don't know what power they legally have to recover the 'debt', and most importantly, I am two years into a DRO, and the last thing I want is another CCJ to shake off if I'm cutting my nose off to spite my face.   Any advice gratefully received!!
    • Hi, I have the Sims 4 on Macbook. Over the last year I have paid for multiple add on packs spending a lot of money on them. I bought them all in good faith as my Mac met all the minimum requirements to play them. I have been playing happily for about a year and bought my latest pack just over a week ago. The games were all working fine yesterday. Then suddenly today EA released a new app to launch the games and this new app requires a MAC OS that my computer cannot use. Now suddenly none of my games are accessible and I am unable to play anything. They did not warn us about this change in requirements and if I had known they would be doing this I wouldn't have bought all these add ons as they are now all totally unusable. The games themselves have not changed, only their app to launch them and I can't afford to buy a brand new mac just to play. So my question is how can they change the minimum requirements after I have paid for a game? I agreed to pay for them based on the fact my mac met their requirements and was not informed when purchasing that this would be an issue in the future. I understand new games (like Sims 5 which is to be released next year) might not be compatible but this is a 10yr old game that they have suddenly made inaccessible due to their new launch app. Does anybody know if I can do anything or anyway to get a partial refund from them? Thanks   Here are their T&C... I can't find anything in there about them being able to do this so not sure what to do https://tos.ea.com/legalapp/WEBTERMS/US/en/PC/
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    • 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
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Fendy v NatWest - 16K - **FINALLY WON**


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Um, interesting. You dont mean literally dead man do you ???? jesus Nattie. I hope its a play on words. Yes, walk me through the process. Please. Im intrigued.................. Fendy xxxxx But you havent done anything wrong. Ok, maybe breached your contract, but Jesus Nattie, how many of us have done that at some point or other in our lives. Its not punishable by death ???? Fill me in. ?????????

 

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Guest NATTIE

It is a play on words but it is punishable by excommunication from the RBS Group PLC, it is a hard fate to have to happen but i may need to sort out a parachute account, any ideas??;)

You will know when i do because i will have a thread for employment law specialists

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Yaaaaaaaaaaaay, thank god for that Nattie. You had me worried there for a sec. I was about to speak to the heavies and get you some protection. Lol. Surely from all account, by the sounds of it, you are very knowledgeable about what you do, so I cant see for a second you will be short of a very very good job for very long when they track you down. Employment law huh, I havent a clue about that,, but based on the advice you give out on here you certainly seem to know your stuff, so Im sure you will land on your feet. So you could become high ranking officer at CAB or ACAS. Yes ACAS, perfect. You could run that with your eyes closed. Oooooh let us know IF and when the BIG BODS track you down. Might be ok for a bit. Fingers crossed for you anyway. I still insist. GOOD THINGS HAPPEN TO THOSE WHO DO GOOD THINGS NATTIE. YOU WILL BE FINE IN LIFE. YOU GOT A LOT OF GOOD COMING TO YOU. Just wait and see. Mark my words. You will see. And you will be happier than you ever dreamed you could be. Fendy xxxxxx IM SURE OF IT. KARMA IS A POWERFUL POWERFUL THING.

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I know I know, I know,,,,,,, but Im just thinking. Imagine, Natties babies. They would be super human, with intelligence like nothing here on earth. They would be the super human banking law brain babies.

00020112.gif

Soooooooooooooooo intelligent. Just imagine. How tempting...............

 

They would just be so incredibly smart. And have a huge heart too. What a potentially magnificent combination........Too good an opportunity to miss. Lol. Fendy xxxxxxxxxxxxxxxx

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Crikey, bums. Ive just had a message on my answer phone mobile left for me from the Royal Bank of Scotland, from somebody working for Sir Fred Goodwin. They want me to call em back. Aghghghghg, wonder if its about the very factual but slightly snotty e mail I sent them yesterday about my charges and how disgraceful I find it that they are wasting their shareholders money on defending these claims. OMG. Ive done it now. Shall I ring him back. Poops. Fendy xxxxx Michael or Nattie or somebody, should I be somehow recording this convo ??? or any other suggestions. Quick, before I ring him back. HELP.

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tell them to keep it in writing :)

  • Haha 1

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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Lol aren't you a little bit intrigued as to what they've got to say? you could always phone back and say hmmmmmmm can you put that in writing for me because they might be wanting to settle out of court :D Phone them Fendy phoneeeeeeeeee them!!! Oooooo I can't wait \o/

NatWest : £857.00 won! March/07

Natwest : Witholding my statements & adding defaults etc , S.A.R sent Jan/08

Natwest for my partner : £2,101.00 won! Feb/07

Studio Cards : Refund for admin charges £108 Won! Dec/07

Complaint made to FOS for P.P.I Jan/08

Nationwide: S.A.R - (Subject Access Request) sent for statements Nov/07 ( waiting to see what happens in the OFT test case )

Littlewoods : defaulted on CCA request Feb/07

DCA's that crawled out from the woodwork and have crawled back : 28 so far!!

My favourite link on CAG:

Click here: Can't Find What You're Looking For? Here's A Complete A-z Index - The Consumer Forums

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Nattie they've got to prove who you are 1st (speaking from experience that's not as easy as it looks) and besides they breach their contracts every single day.I have faith in you .....if the big guns come looking for you threaten them with full press coverage I don't think they'll be too eager with all the crappy publicity banks are getting at the minute:) plus the futures bright this country is crying out for a Robin Hood of the banks ( to rob from the rich and give it back to the poor in a fair and honest way) you'd be a folk hero and be able to set up your own business in no time - you'll be the one employing not them!

NatWest : £857.00 won! March/07

Natwest : Witholding my statements & adding defaults etc , S.A.R sent Jan/08

Natwest for my partner : £2,101.00 won! Feb/07

Studio Cards : Refund for admin charges £108 Won! Dec/07

Complaint made to FOS for P.P.I Jan/08

Nationwide: S.A.R - (Subject Access Request) sent for statements Nov/07 ( waiting to see what happens in the OFT test case )

Littlewoods : defaulted on CCA request Feb/07

DCA's that crawled out from the woodwork and have crawled back : 28 so far!!

My favourite link on CAG:

Click here: Can't Find What You're Looking For? Here's A Complete A-z Index - The Consumer Forums

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Good luck with the claim Fendy.

 

I too have received letters from Mr Higley, none of which I found helpful.

 

My original request for the charges to be refunded was made in November 2006 and in February I receievd a letter from him saying that he was sorry that they had not been able to reach an agreement with me-my reopk,y was that as no offer had been made how I could agree to anything.

 

Also having paid the requested £10 fee for a set of duplicate statements I have since received two further sets from them so I feel that I should ask them to refund my £10.

 

Anyway I have now lost patience with them and have taken the matter to the Small Claims Court and have isisued a claim against them yestaerday for just over £4700.

 

So far I have not heard of any bank defending claims so am hopeful that my claim will get paid shortly.

PPMAN159

 

If this comment has helped please click on the scales.

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Hi there PPMAN, you will no doubt get an acknowledgement of claim from Cobblers, sorry, Cobbetts, and they will tick the box that says they are defending, but dont panic. They wont defend. They will make you go through the whole rigmaroll of completing all the paperwork, AQ's etc. paying the AQ fee, getting your court bundle ready, blah blah blah, and they they will settle before they appear in court. Tried, tested, works every time. So stick to your guns and dont panic when the notice comes back saying they will defend. They wont. They will right till the last minute, but eventually cave. Be strong. You will get your money after a lot of hassle. Fendy.xxx Caz I am dying to phone the guy who rung me, but based on the advice given by the mods on here then I dont think I should. Believe me, I want to, just to hear what they have to say, but on advice from here, Im not going to. Ive sent them another e mail telling them Im at work hence cant respond by phone today, but that Im happy to correspond by e mail or letter. Watch this space. If they e mail me back today I will report back here, of course. Fendy. Im shocked actually. I really didnt think my e mail to Mr Goodwin and his sec would have clout at all. Thought they would just completely ignore it. SURPRISE SURPRISE, Perhaps they do care, or perhaps they are just pretending to. Lol. Either way, no skin off my nose. Money will be mine in the long run. Fendy xxxxxxxxxx CONFIDENT CONFIDENT, DID I SAY CONFIDENT. WELL I AM NOW. Lol. xxxx Just got to go through the dance moves to get it. Were on a slow waltz at the mo, will let you know when it speeds up to foxtrot. Lol. Like never. !!!!

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Fendy

 

Many thanks for putting my mind at rest-as I said after having started this whole process over 5 montsh ago I felt sure that Nat West were beginning to employ delaying tactics in the hope that I would go away and forget about the claim and this has been mentioned to Mr Higley on more than one occassion.

 

Maybe if it was only £150 that may have been the case but not when were are talking £4700.

 

Lets hope that we all get good news from the courts in the next few weeks and we start to see more cases being won.

 

Three cheers for Robin Hood.

PPMAN159

 

If this comment has helped please click on the scales.

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Well so far, touch wood and the judges hammer, nobody has lost on here. Only one, Henry. But that was back in the early days. Everybody else. WON. So hang in there. Your money will be returned after the dance. Lol. Fendy xx

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whoa fendy you go girl!!! I've just read thru your thread what determination you've got and I must say it was so interesting and amusing too. I will be glued to this now as I really wanna know what happens! but keep it up your an inspiration, reading threads like your gives me the courage i need!

 

by the way dont call!! get it ALL in writing!!

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Lol choco. Already decided that one after speaking with Janet M mod. Theye all helped me through this far. Dont wanna muck it up through my own pig headedness now. So will just have to wait and see if they e mail me back but its absolutely killing me the suspense now. I mean, Sir Fred Goodwins office. Heck. I must have ruffled somebodys feathers in there for them to ring me. Ha. I wasnt rude, just very factual and the tiniest bit snotty. Im off out now for half an hour without my mobile because the temption will be too much not to ring. Catch you all later, and good luck with your own claim. Back on in a bit. Might have an e mail to report on too from Mr. Goodwins office. But I seriously seriously doubt it. Lol. One can hope anyway. Seems I spend all my time doing a lot of that lately. Lol. Okies, bi zee bi for now peeps. xxxxxx

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OK here we go. Next episode. This is a copy of the e mail I just received from Sir Fred Goodwins office apparently.

 

Herewith:

 

Good afternoon

 

Thank you for your email. I wanted to confirm with you whether you had now

brought your claim to Small Claims court; as this is now the case, your

claim will be dealt with by Group Litigation and the bank's solicitors.

Please send your court papers to the following address:

 

Group Litigation

The Royal Bank of Scotland Group

1 Princes Street

London

EC2R 8PB

 

 

Thank you

 

Elliott Porte

Case Manager

Office of The Group Chief Executive

 

 

The Royal Bank of Scotland plc, Registered in Scotland No. 90312. Registered Office: 36 St Andrew Square, Edinburgh EH2 2YB

 

Authorised and regulated by the Financial Services Authority.

 

Now is it me or what. I sent Mr. Goodwin and his secretary a detailed, (and you all know me by now, length of post wise) e mail about this matter and how I thought their solicitors waste time and money, precious share holders money, (not that I care) on dragging out the legal defence when they always cave before court. I asked him if he thought this was a profitable way of using shareholders profits and what their opinion might be on it at a share holders meeting. I gave them case number, all details pertaining to my claim,, and they come back wth that above. Now is it me or are they thick. I clearly put Natwest account number etc. etc. etc. branch etc, and they come back with that. AM I MISSING SOMETHING. ARE THEY A FEW BISCUITS SHORT OF THE BARREL OR WHAT. Why would they tell me to send papers to their solicitors above, when Cobbets have already sent me their acknowledgement saying they are handling the case and the fact they are going to defend. Now if that isnt proof that basically anything above 5 lines in any e mail and the staff at Natwest, RBS dont even read the bl**dy e mails. OK Ive lost all hope and faith that anybody at the top of the food chain there actually gives a stuff. NOT. So thats it now, dealing with Cobbets right down the line. Am putting up and shutting up and being patient and waiting for the defence and just waiting waiting waiting and not bothered to alert any more top bods to anything. COS THATS YOUR ANSWER FOLKS. THEY DONT READ THE E MAILS COS IF THEY HAD THEY WOULD KNOW I HAD ALREADY STARTED MY CLAIM, ALL CLAIM DETAILS WERE THERE IN PLAIN BLACK AND WHITE FOR THEM TO READ IN THE E MAIL, AND THEY COME BACK WITH THAT TROUTS TROLLOP ABOVE. I CANT BELIEVE IT........ they are stupid and they just dont give a monkeys. They dont even read the e mails. I know that now for fact. Im not even and RBS customer the silly twonks.......... Nattie, the peeps at the top of the food chain there are all silly twonks. You got that .......... twonks, with the exception of you. Fend xxxxxxxxxxxxxxxx

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What about jumping in the Loch. Did they mention it ? rolleyes.gif

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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Fend? You didn't really suggest to him that he jump in the Loch did You? No....... don't answer - this is Fendy I'm talking to!!!!!! There may be other methods of righteous retribution though honey. For example, does he wear a kilt (lots of things you can do if he does............ think about it!!!!!!!) And you still haven't spilt the full tin of beans by the way - so come on............. OUT WITH IT!!!!!!!!!!!! xxxx :p

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Blimey Fendy! Sounds like you've had a right day of it!:p Now, why does it not surprise you that Mr Gladwonks' office are as inefficient in client communication as the rest of the banking 'profession'?? I think we punters have this, almost learned behaviour from our parents (most probably) that the 'institutions' are God-like, who can do no wrong, who are to be obeyed and revered.....when the fact of the matter is, they're just like any other UK run organisation (with the very odd exception) - understaffed, under-resourced, poorly trained, poorly quality controlled, policy- inconsistent, arrogant beyond belief, with a conviction that they're right and we (unless multi-billionaires) are ****, to be used and abused at every opportunity............and those are their good points!

I know, from the little I know of you it'll take more than Mr Gladwonk to rattle your cage m8y!......Do they realise the forces they're taking on here???!!!:D ....Karma xxx Jonny

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Yaaaaaaaaaaaaay Jonny. Nice post mate. Couldnt agree more. What they fail to see is that I will win, because I got Karma on my side. And I have ultimate belief that because Im only being fair not trying to rip them off, that I will get what I deserve............................ Im not super human, just a girl on a mission to get back every last been that taken from me in a rather under handed manner over the years. 99% of the time whenever the charges were taken they never even informed me. Just took em. End of.......... Well this girl has grown up and decided that its time for Mr/Mrs Karma to go a knocking on the door of the big bods banks. So there it stands, knocking, knocking and waiting waiting. When they answer,, I will be pick pocketing their wallets. Lol. Lol. Lol. Go Jonny go, go, . Go Jonny go go. oooooooooooh Jonny be good. Yaaaaaaay dontcha just love fridays. xxxxx Fendy xxxxxxxxxxxxsmiley_skateboard_action2.gif

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