Please have a good look around the website, as I am confident if you are seeking out Bounce Back Loan related information, you will find what you are looking for. Those that subscribe also have access to the entire website in addition to to my 12 hours a day, 7 days a week helpline, so if you want a chat, subscribe here > https://mrbounceback.com/membership-join/ then log in for my number and when I am available today, you can do that here > https://mrbounceback.com/helpline/As long as you keep on coming, I will keep doing what I do.
Have a read of the following case, as it is another HSBC Bounce Back Loan related complaint in which the complainant asks whether their treatment was in part due to their Nationality. […]
Yet another case to present to you today of HSBC deciding to close one of their customers bank accounts, and snatch back all funds in the accounts to repay a Bounce Back Loan they also decided that customer was no longer having from them. Here is the judgment of the […]
Yorkshire Bank or Virgin Money as they are now known, have put in plenty of Bounce Back Loan guarantee claims recently, and they will no doubt have had the one in the case outlined below at the top of their guarantee claims list of, which saw the Company Director who blagged that loan being given an 11 year disqualification. […]
With no end in sight to the many twists and turns of the Bounce Back Loan scheme, but with one thing glaringly obvious, that being a huge and ever growing number of them are being sent off for the guarantee claim by lenders, please do check back daily for my BBL news updates, a directory listing each one of them can be found here > https://mrbounceback.com/category/todays-news/. Make sure that you subscribe today to get full access to all areas of the website, you can do so here > https://mrbounceback.com/membership-join/
Abdulrazag Zagroba, 54, from Manchester, appeared at Manchester Crown Court on Friday 24 June 2022 where he was sentenced to 24 months before Recorder Hudson. […]
Two men who headed up an international criminal network responsible for laundering £70 million, £10m of which came from fraudulent Bounce Back Loans, have been jailed for a total of 33 years. […]
Getting carted off in a police van for Bounce Back Loan abuse is rare, however there have been quite a number of cases recently that have gone before the courts that have resulted in one or more people being locked up for outrageously scamming the BBL scheme. Make sure that you subscribe today to get full access to all areas of the website, you can do so here > https://mrbounceback.com/membership-join/
I have put together this guide to give you an insight as to the reasons a Company Director will be hit with a disqualification and why they will be handed one and the length of the disqualifications that can be given out, including any Company Director found to have abused the Bounce Back Loan and/or the CBILs, CLBILS Schemes. […]
This Guide to Bankruptcy and Debt Relief Restrictions Orders and Undertakings looks at what happens when a Sole Trader or an Individual takes the bankruptcy route, and what can happen if any wrongdoing is discovered including abusing the Bounce Back Loan scheme. […]
The number of Bounce Back Loans that have so far gone sour is of course constantly rising in number, and will continue to do so for weeks, months and years moving forward. I have been […]
Above you will find guides on what happens when taking the Insolvency route as a Company Director or the Bankruptcy route as a Sole Trader to try and get out of repaying a BBL and/or what happens when any form of BBL wrongdoing comes to light when doing do. For individual examples of Directors and Sole Traders who have been hit with a ban take a look here> https://mrbounceback.com/category/the-disqualification-files/
My Bounce Back Loan Helpline is open as usual today from 4am to 4pm. Be aware that due to the sheer number of calls I have received over the last three months, and with there being just one of me, I have had to take the decision to make the helpline available exclusively to website subscribers. The number for subscribers to call is below. […]
A big thanks to Patrick Magee from the British Business Bank and Stephen Pegge from UK Finance (the latter who was representing 28 of the BBL Lenders) who kindly volunteered to take part in my […]
I spent Friday mainly travelling, as a window of opportunity had come my way in which I could, at the very least, spend a minute or two with Paul Scully. So I was up and […]
I recently rocked up at the offices of NatWest in London with a camera crew in tow and set about asking their team what help, and support is available to any of their customers who […]
This was my Fireside Chat with the BBC. It was back in December 2021 when I was sounding the alarm bells about business owners who would soon be struggling to repay their Bounce Back Loans. […]
Here is my Fireside Chat with Julia Hartley-Brewer on Talk Radio.
I've been to the Treasury, the Palace of Westminster, Bank HQ’s and even the British Business Bank and chatted to many MP’s and Government Ministers about Bounce Back Loans, they all know many people cannot repay their loans and if you are sat there right now, possibly in a dark place worrying about repaying it, then be aware its not all doom and gloom if you have to default. I am available 12 hours a day if you need a friendly voice and a chat about any type of BBL worries and concerns. Website subscribers you will find my number here > https://mrbounceback.com/helpline/
Today is the day when apparently banks that are part of the Bounce Back Loan scheme are going to have their “digital journeys” for making use of the Chancellors “Pay as You Grow” aspect of […]
When it comes to the Bounce Back Loan scheme, some people working for certain lenders are famed for never being able to shut up and can often spout all manner of nonsense when being quizzed […]
In the second episode of my series of videos in which you can see just what bank bosses have said to Members of Parliament, the one below will enlighten you on what the boss of […]
When dragged, often shouting, and screaming, to sit before a Committee in the Palace of Westminster, those asked to do so often unexpectedly blurt out some real corkers, and you will find footage of some of the more unusual exchanges about Bounce Back Loans between Government Officials, MPs and of course Bank Bosses in this section of the website > https://mrbounceback.com/category/bank-bosses-have-their-say/
Five people arrested for fraudulent claims from money intended to support businesses during the pandemic, namely the Bounce Back Loan Scheme. Five people have been arrested as part of a joint National Investigation Service (NATIS), […]
You just never know where they will turn up next, and here is a case involving the Bounce Back Loan door kicking police squad which saw them make a couple of arrests at Heathrow Airport. […]
Bradford is another town that the door kicking Bounce Back Loan fraud squad visited recently as part of their investigations into yet another BBL scam, and whilst there they carted of several people who allegedly bagged at least £150k in BBLs. […]
You just never know where the Bounce Back Loan and Business Grant fraud investigation team are going to visit next, and today’s case looks at a recent visit to Stockport by that team who carted of a woman they suspect of blagging £10k. […]
The police department set up to investigate Bounce Back Loan fraud are also tasked with investigating local council business grant fraud too, and they certainly have their work cut out with so many people having tried to rip off the various grant schemes that Rishi put in place, and Blackburn is another town they recently visited as today’s case reveals. […]
The police squad tasked with tracking down Bounce Back Loan fraudsters can only handle 50 cases per year and have enough cases on file currently to last them 42 years. Slowly but surely, they are making progress and today I will be giving you the details of a recent London raid. […]
As many small businesses owners lay awake at night worrying how they are going to pay back their Bounce Back Loan, the National Investigation Service continue to work night and day hunting down those who scammed the BBL system. This case looks at a recent spate of arrests concerning an alleged £2m BBL scam. […]
At the last time of checking the Door Kicking Bounce Back Loan Police Squad as I like to call them had enough cases to investigate to last time a mind blowing 42 years. They have however managed to smash in a few doors in their quest to uncover BBL fraud, and an overview of their most recent cases can be found here > https://mrbounceback.com/category/bbl-door-kicker-files/
Clydesdale Bank came in ninth place as the Bounce Back Loan lender that lent the most during the lifetime of that scheme, they are not afraid to put in for the Government Guarantee and have already done so on a fair old chunk of their defaulted BBL’s. Find out how they are handling BBL Arrears, Defaults and claiming on the BBL Government Guarantee. […]
Bank of Scotland came in eighth place as the Bounce Back Loan lender that lent the most during the lifetime of that scheme, much like their sister Bank Lloyds they did approve and payout BBL’s at great speed. Find out how they are handling BBL Arrears, Defaults and claiming on the BBL Government Guarantee. […]
Tide came in fifteenth place as the Bounce Back Loan lender that lent the most during the lifetime of that scheme, I’ve not seen a single case of anyone taking the insolvency/bankruptcy route with one of their BBL’s owing yet, but boy, they do not mess about with putting in claims for the guarantee, which they have done on over 25% of their BBL’s so far. Find out how they are handling BBL Arrears, Defaults and claiming on the BBL Government Guarantee. […]
Metro Bank came in seventh place as the Bounce Back Loan lender that lent the most during the lifetime of that scheme, they appear to love putting in the claim for the Gov Guarantee rapidly and have been getting their money back at speed too. Find out how they are handling BBL Arrears, Defaults and claiming on the BBL Government Guarantee. […]
Starling Bank came in sixth place as the Bounce Back Loan lender that lent the most during the lifetime of that scheme, Lord Agnew has accused them of all manner of dodgy/shady going-on, whether they are guilty of such or not, time will tell. Find out how they are handling BBL Arrears, Defaults and claiming on the BBL Government Guarantee. […]
HSBC Bank came in fourth place as the Bounce Back Loan lender that lent the most during the lifetime of that scheme, defaults on their BBLs are going to be huge when they get around to putting them in and they are made public. Find out how they are handling BBL Arrears, Defaults and claiming on the BBL Government Guarantee. […]
Santander Bank came in fifth place as the Bounce Back Loan lender that lent the most during the lifetime of that scheme, they are showing no mercy whatsoever if they suspect you of doing something wrong when applying for or after getting one of their BBL’s. Find out how they are handling BBL Arrears, Defaults and claiming on the BBL Government Guarantee. […]
Barclays approved the largest number of Bounce Back Loans, and as such they have seen everything when it comes to those trying to blag one of those loans from them, but plenty of their customers did experience all manner of problems when the scheme was live. Find out how they are handling BBL Arrears, Defaults and claiming on the BBL Government Guarantee. […]
NatWest came second in the table of Bounce Back Loan lenders that lent the most, whilst they did make the occasional error when processing some of those loans, they are prepared to help anyone who is in difficulty repaying one of those loans. Find out how they are handling BBL Arrears, Defaults and claiming on the BBL Government Guarantee. […]
If you are in Bounce Back Loan arrears, or possibly in default, or you are heading that way, you are not alone. In fact the figures that are now being released every few months show plenty of people are behind with their repayments or cannot repay those loans. For a detailed overview of how each lender is handling all aspects of arrears and defaults and how many they currently have going through the guarantee claim system and how many guarantees payments have been paid out to them, along with some shocking examples of fraud uncovered take a look at this section of the website and look your lender up. > https://mrbounceback.com/category/league-of-shame/
What better day to release the latest facts and figures about Bounce Back Loans, than on the day the new Prime Minister is announced, and it was yesterday at around 5pm those figures were released, which as you will see below, they reveal some shocking facts about the BBL scheme and current status of many loans. […]
Below is an overview of what you can expect if you let any of the Bounce Back Loan lenders (or their designated debt collectors) know that you cannot repay your BBL. This information is based on the feedback of hundreds of BBL recipients who have contacted those lenders. […]
Just a quick update, been receiving a lot of calls and emails regarding the State Aid / Business Interruption Payment letters/statements some of you may have received or will shortly receive. I have popped a copy of one such letter below so you can get your head around what it is about. […]
With so many Bounce Back Loans having already been paid back to the banks, and with even more guarantee claims sat in the system waiting to be paid back to them, you may be in a position whereby you cannot repay your BBL and need it paying back to the bank via the guarantee given to them by the British Business Bank, if so read on. […]
Ok, this news update is important, and will, I know, only be of interest to a minority of people, but I want you to read and digest the contents, if you have sadly been forced to take the insolvency route with a Bounce Back Loan still owing, and have been told by the Insolvency Service you have committed wrongdoing, such as over-estimating your turnover and are being pursued for disqualification as “punishment”. […]
I have asked all Credit References for an explanation, as to why Bounce Back Loans do not seemingly appear on Credit Files, I will be updating this page with their responses as they come in, and so far, these are the responses that I have received. […]
Here is the standard letter that Conister Bank will send out to everyone who misses their Bounce Back Loan repayments, be aware that three missed repayments are usually deemed to be the trigger for a demand for full repayment and a default letter. Read more on your options and how enforcement of the BBL debt is not usually forthcoming […]
As lenders try and mop up the mess caused by them offering Bounce Back Loans, today I will show you the letter that Lloyds Bank send those they suspect of blagging a BBL from them which includes details of what happens next. […]
Many people are telling me Starling Bank are offering to consider putting into place a repayment plan if you fall behind with your BBL repayments, as they are obliged to do, here is what they require, and also the letter you can expect from their debt collector if Starling put you in default: […]
This quick guide will let you know what to expect along with a copy of the letter they tend to send out when you end up in arrears with your Bounce Back Loan and Barclays demand it back and default you. […]
I know many of you are waiting for the day when your Bounce Back Loan goes into default, and it is usually after 3 missed BBL repayments that the lender will send you out a demand for full repayment and then put you in default. […]
What better way to try and discover why Bounce Back Loans are not currently showing on credit files than asking the Government Department tasked with overseeing that scheme and the organisation representing most of the BBL lenders. Ask them I did, and here is the footage of that conversation, make up your own mind on whether you believe the answer given. […]
Here is a copy of a letter sent out to Barclays customers, but you can be assured all the other Bounce Back Loan lenders will be following the same route, if they have suspicions you over-egged your turnover to get a bigger BBL than you were eligible for. […]
Here is my guide for those of you who are experiencing an account review or safeguarding exercise with Santander or HSBC or for that matter any of the other Bounce Back Loan lenders. It will let you know what they are up to and what to expect. […]
Many of you have been asking me what the Income/Outcome form some Bounce Back Loan Lenders use to get you to prove you cannot afford to repay your BBL. look like, and what questions need filling in. With that in mind below you will see one such standard form. […]
Many of you may have missed the information below which came to light at the end of last year, which gives an insight into the “tiers” each type of suspected or proven Bounce Back Loan fraud is classified as. […]
It will come as no surprise that the top “fraud” risk of the Bounce Back Loan scheme was the over-egging of turnover figures. In fact, it does appear to be more widespread than anyone could imagine. However, let us not forget that there was a great deal of confusion surrounding the turnover figure […]
I have put together a range of guides and articles that some of you may be interested in, such as the letter and documents you may be sent out when you are in arrears, or the demand for full repayment of your Bounce Back Loan, which you will get when you go into default. Please have a look through them as they will at the very least let you know what to expect and what your options are at every stage of the “game”. They are all available here > https://mrbounceback.com/category/subscriber-special/
You can now order either or both of my two new books on Amazon, be aware that they are available as paperback or Kindle editions. The Journey to Getting a Bounce Back Loan Written Off […]
Have a read of the following case, as it is another HSBC Bounce Back Loan related complaint in which the complainant asks whether their treatment was in part due to their Nationality. […]
Yet another case to present to you today of HSBC deciding to close one of their customers bank accounts, and snatch back all funds in the accounts to repay a Bounce Back Loan they also decided that customer was no longer having from them. Here is the judgment of the […]
According to Ben Jennings the Ombudsman, Starling Bank removed its waiting list in the last few days of the Bounce Back Loan scheme allowing customers to apply via that banks online banking platform for a BBL, however this customer was told to wait for an invitation to apply by one of their agents and therefore missed out on the opportunity to apply for one. […]
Not that many Bounce Back Loan scheme related complaints have progressed through to an Ombudsman for a decision regarding Ulster Bank, however, here is one that has recently been sent to them and an outcome decided upon. […]
It is the turn of Lloyds Bank to be forced to hand over some compensation to one of their customers, whilst it was decided they were right to decline someone a Bounce Back Loan, the Ombudsman felt they did cause him some distress and inconvenience. […]
Delays caused by banks such as HSBC being inundated with Bounce Back Loan applications, which sadly saw many business owners missing out on getting one of those loans is heart-breaking, and here is one recent case an Ombudsman has just made a ruling on, which resulted in an award of £150 in compensation. […]
Whilst TSB are being very, very fair with people who call them up and tell them they cannot repay their Bounce Back Loan with the bank explaining to them how they will claim on the guarantee and not hound them, here is a complaint about them the Ombudsman has just ruled on. […]
The rules of the BBL scheme did state you could apply for as many Bounce Back Loans as you had separate, trading businesses that were not part of a holding company at the top of the business structure. Here is a recent Ombudsman decision in which Barclays declined a Sole Trader a third BBL for his third business and was ordered to pay him compensation but only for them taking so long to decline his loan and the upset caused. […]
Today I present to you a recent HSBC Bounce Back Loan related complaint that the Ombudsman has finally upheld, interesting to see that bank have now finally admitted that their Feeder Accounts, were indeed “imaginary” when the scheme first launched, as I and many of you had suspected at the time. […]
If you do have a complaint about your Bounce Back Loan Lender then you can contact the Financial Ombudsman Service who will investigate. I have been tracking hundreds of them, some which have been upheld and many that haven’t. Whilst you could be waiting months or even over a year for them to make an official ruling on your complaint, you can see some of those they have ruled on in this section of the website. > https://mrbounceback.com/category/bbl-complaints-and-outcomes/
Yorkshire Bank or Virgin Money as they are now known, have put in plenty of Bounce Back Loan guarantee claims recently, and they will no doubt have had the one in the case outlined below at the top of their guarantee claims list of, which saw the Company Director who blagged that loan being given an 11 year disqualification. […]
The rules of the CBILS Scheme and the BBL Scheme did state that anyone who got a BBL after getting a CBILS must repaying the latter, however this Company Director did not do so and has just been given a 7 year ban once the wrongdoing came to light after the liquidation of his Company. […]
Just 5 years was the length of the ban given to the Company Director named in the case below, who was found to have used his Company’s Bounce Back Loan for his own benefit and not the benefit of the business. […]
The failure by the powers that be to have a system in place in the first few weeks of the BBL scheme that allowed lenders to see if a business had already got a Bounce Back Loan led to people like the Company Director below being able to bag two of them. He didn’t pay back either of them and is now starting an 11 year disqualification for his wrongdoing, […]
Over-egging your business turnover to blag a bigger Bounce Back Loan than you were entitled was not uncommon, however taking the bankruptcy route as a Sole Trader and leaving […]
There is certainly a pattern forming with some Company Directors who have taken the Insolvency route with a Bounce Back Loan left unpaid, of not delivering the accounting records of their Company to the Liquidator. That then leaves the powers that be often unable to determine whether a BBL was legitimately applied for and them also being unable to verify where the money went. When taking that stance, the ban they then ultimately are hit with is often lower in length than if they […]
The CEO of the British Business Bank recently stated that Bounce Back Loan fraud and abuse was not at high as first predictions suggested, which is good news. However, each day more and more people who took the insolvency route and left a BBL unpaid or were found to have blagged their BBL in the first place or didn’t use the funds as they were supposed to are getting long disqualifications for their wrongdoing. You will find the full often sordid details of each of the many hundreds of such cases I have tracked here > https://mrbounceback.com/category/the-disqualification-files/
I took it upon myself to badger the Information Commissioners Office and remind them of the dangers of naming everyone with a Bounce Back Loan, whether they are repaying or not. […]
This letter will be of interest to you if you are worried about the potential for those with a Bounce Back Loan to be named publicly on a Government website for all and sundry to nosy at, and also it contains information on the criteria lenders must meet to reclaim BBLs via the guarantee. […]
It has become increasingly apparent that members of the BEIS Strategy, Public Accounts and Treasury Committees are becoming completely and utterly obsessed with badgering the powers that be to publicly name everyone with a Bounce Back Loan. […]
You may be blissfully unaware, but behind the scenes there is a battle going on regarding naming everybody with a Bounce Back Loan on a publicly accessible website. The British Business Bank team are against that idea and are putting up a spirited defence. However, those who do want everybody named, whether they have repaid their BBL in full, are paying it back on schedule or are in arrears or default are being egged on by no other than Lord Agnew of all people!
Those of you who have been reading my updates for some time will recall I did send in a complaint to the Commissioner for Standards regarding several Members of the House of Lords who voted […]
It just never ends dear website visitor, let us face it with Rishi and Co launching CBILS there was some chunky money to be made with that and all other Government backed loan schemes, and Kit Malthouse MP must have been rubbing his hands with glee when the finance company he founded was accredited by the British Business Bank to offer CBILS. I wonder if that firm will become a Recovery Loan Lender too. As of the […]
I often wonder what type of person you have to be to be linked with a firm that makes money from the suffering of others, and today I will be looking at one such firm, and one that has direct links to the CEO of the British Business Bank, the son of Iranian business magnate, oh and links with Tide, the BBL lender than run out of money and its CEO said he would badger his contacts in Government for dosh (similarly to what Dodgy Dave Cameron is alleged to have done), then magically won a BCR Grant of £25m whilst supported by the BBB. […]
One has to wonder what is going on in Government these days, well it does not take too much effort to sus out something is not right. As I mentioned the other day, Paul Scully […]
Today I will be naming many Members of the House of Lords that have financial links with each of the accredited lenders that are part of the many Government back loan schemes. I will also be naming others that have direct links with the British Business Bank and other organisations associated with those schemes that may raise an eyebrow. […]
Kwasi Kwarteng is Secretary of State for BEIS that organisation instructed the British Business Bank to launch the BBL, CBILS, CLBILS and Recovery Loan Schemes. Well, he must have been giddy with excitement when Helios Investment Partners LLP bunged him £4,500 for his election fighting fund. Then would you believe it, the BBB pick Henry Obi from Helios Investment Partners to become Chair of one of their Working Groups. […]
You are not going to believe this, well in today’s Political world you will, below I will lay out all the facts on how a company linked directly to Rishi Sunak and his Wife, bagged a £1.3m Government Back Loan and then went into Administration. I will let you connect the dots on this one dear reader, as I know you like to see “receipts”. […]
Just when you thought you had seen it all, we learn that not only was Dodgy Dave swanning around in private jets owned by Greensill but now Boris Johnson is flying around in helicopters own by JCB, who mysteriously vanished as a BBL lender. Perhaps Tory donor Lord Bamford, who is the JCB company chairman, and whose firm the helicopter is registered can explain the mystery. […]
It might be easier to list MPs and Members of the House of Lords that do not have shareholdings in companies that were accredited by the British Business Bank as CBILS, CLBILS and even Bounce Back Loan lenders. This time it is Chris Philp MP for […]
In the House of Lords yesterday, during a debate on the “Economic Crime: Planned Government Bill” which the Government is dragging its heels on, Lord Callanan who is the Under Secretary of State at the […]
As it is a Sunday and little happens in the world of Government backed loans or grants, I will today be looking at Alok Sharma’s recent ramblings on renting clothes and buying second-hand clothes as a little more information has come to light, involving the wife of Boris Johnson and David Cameron which explains Alok’s possible eagerness to promote such things. […]
The list of MPs and Members of the House of Lords that have links to firms accredited by the British Business Bank to offer Government Guaranteed Loans gets bigger each time another one is accredited. Today I bring news of Investec the latest Lender to get the greenlight from the BBB to offer Recovery Loans and links to Andrew Mitchell MP. […]
It has of course been a very profitable time for many an MP, Government Minister and even for Members of the House of Lords. Take Lord Agnew who resigned over the running of the Bounce Back Loan scheme, would you believe he is now a Director of a high interest rate charging payday loan type of Company? You may choke on your coffee when you discover that firm also bagged a Bounce Back Loan! For an overview of all manner of other shenanigans check out my Snouts in the Trout directory here> https://mrbounceback.com/category/snouts-in-the-trough/
It looks like Jenny Lomax an Ombudsman at the Financial Ombudsman Service is finally getting to grips with the complexities of the Bounce Back Loan scheme, when customers complain to her about banks messing them about. As this case proves, she took into account, and boosted the compensation initially awarded due to a customers BBL being blocked for a month, and them losing one month’s worth of the interest free period. […]
It is good to see some Financial Ombudsman Service BBL related complaints being properly investigated, and compensation being awarded to those affected by all manner of different problems when they applied for or were trying to access their BBL funds. […]
I remember that horrendous Friday night way back in the early days of the Bounce Back Loan Scheme when Starling Bank declined en masse 3000+ people for a Bounce Back Loan, I can never forget it to be honest, I cried chatting to a lot of people that night who saw their future business security snatched away from them. […]
Please have a read of this article, it’s a long one, but introduces a new and very simple way that you can check whether your BBL has any red flag compliance issues, using a state […]
The cost of living crisis, concerns about the new Chancellors mental health and the decimation of GBP on the money markets after his mini-budget that wasn’t a mini-budget, and with huge numbers of businesses not recovering from the Pandemic, many business owners are now looking to the Government to repay their Bounce Back Loan. As a subscriber, if anything doesn’t make sense in this guide then make sure you call my hotline, and I will talk you through everything. I will now explain how things are currently playing out and will give you an insight […]
My Bounce Back Loan Helpline is open as usual today from 4am to 4pm. Be aware that due to the sheer number of calls I have received over the last three months, and with there being just one of me, I have had to take the decision to make the helpline available exclusively to website subscribers. The number for subscribers to call is below. […]
My Bounce Back Loan Helpline is open as usual today from 4am to 4pm. Be aware that due to the sheer number of calls I have received over the last three months, and with there being just one of me, I have had to take the decision to make the helpline available exclusively to website subscribers. The number for subscribers to call is below. […]
We use cookies to ensure that we give you the best experience on our website. If you continue to use this site we will assume that you are happy with it.Ok
