General wear and tear is acceptable but youll be charged for the repair costs of things like broken wing mirrors or larger scratches. If they do that can I refuse to continue the process of the VT or once the process begin I cant change mind Plus Code 2J99+RH Toru, Poland. In this scenario, if I also had arrears, would I also need to pay those on top of the amount to bring it up to the 50% figure..? Grant & Contract Specialist II - HYBRID Minimum Salary - 6756462115. My brother VT on a car agreement and the finance company have since sold the car at auction for more than what the finance was on it. UK law states that you have the right to voluntarily terminate a car finance agreement and return the vehicle so long as you have paid back 50% of the vehicle's value. This is the problem when getting a used car on finance then subsequently VTing the contract. Voluntary termination is not intended to exploit loopholes in UK law. So a voluntary termination of a PCP on a car with higher-than-expected mileage means the finance company loses even more money. Pre-approved Oodle finance puts you in control so you can choose the best car for your budget. | First I am assuming that the finance company has not already terminated your contract. Tried to speak to them on live chat - as soon as I say why I need to speak to them they say there are no agents available - terrible company! Keep a copy of the letter and the proof of postage. Its always important to make sure you can afford the monthly repayments before you buy a car on finance but sometimescircumstances change, and people find themselves in financial difficulty. You can help Britain's motorists today - take our 2023 Reliability Survey now >>, Next: will buying a car on finance affect getting a mortgage? For all of the following issues, National Debtline and the Legal Beagles Vehicle Finance forum are great resources to explain what is happening, your rights, generally support you and suggest what you can do. There are broadly two main reasons why you might want to leave your car finance agreement early. Reasonable questions based on the information previously read on your site and applied to my circumstances. Kind regards This is one of the worst scenarios you can find yourself in after financing a car. I have lots of photos of the cars condition and it had a full service history so Im not expecting a charge. You can make an offer of monthly payments. Need help or want to report an issue? PCP is an incredibly popular option for car finance agreements, thanks to its flexibility. Voluntary surrender, or repossession, will stay on your credit file for seven years from the original missed payment, which subsequently leads to the derogatory status. Oodle Financial Services is a member of the Finance & Leasing Association and complies with its Lending Code, a copy of which we will provide on request. At the end of the complaint say that you will be taking the complaint to the Financial Ombudsman if it is not resolved. why do you want to VT the car can you afford the repayments? We are authorised and regulated by the Financial Conduct Authority under reference number 731217. We can determine what is acceptable from other VT cases. You have a mountain of debt and token payments just kicks the can down the road. Car sold at auction, amount deducted from the initial inflated purchase price plus arrears (plus interest to end of agreement term?) or had it repossessed? ME Expert Limited, registered in England. But fingers crossed this turns out to be an error! If you fail to do so, it wont be VT hurting your ability to get more loans in the future it will be missed payments and debt. 07277272. So you handed have handed back a car? This is crucial because it means that you likely wont have paid back 50% of your total finance agreement midway through your monthly repayment schedule. This includes interest and other charges stated in the contract. What are the monthly payments? Its pretty easy but its best to use the FOS online form not send an email. will you still owe money after the VT? Next day we contacted finance place and paid the full cost of his loan 6.200.we havnt heard where the car is now, just a phone number to ring but noone there. We are Money Expert, the experts with your finance. Tax rebate not heard of that one. There will be no record of why the agreement was ended. What is the rest of your financial situation like do you have other problem debts> Are you behind with bills? who is his DMP firm? I am just asking about the practicality.). In this case you dont want to hand it back unless you have no other possible alternatives. See Excess mileage charges in the article above as these can be challenged. 17 August 2018 at 9:55AM in Motoring. You can send a copy of the budget to the lender. They wont willingly guide you to this option and wont be much help if you try to enact it. Take the first steps to find your way forward with our guides to help you with the cost of living. Send that letter by recorded delivery to the finance companys address it is set out in your credit agreement. We need to know a bit more about the contractual setup, sorry I've never heard of oodle. 07277272. Peer support specialist - 6758747382. You are responsible for the payoff amount if you end the loan early. Moneybarns VAT registration number is 180 5559 52. If youve reached the halfway point in your schedule, you automatically meet the 50% requirement. I dont know if you can VT a car with a major mechanical problem. So I am unclear if you think the garage was at fault or you think you were sold a car on finance which was not of adequate quality. So if the finance company terminates your contract because of arrears, you lose the right to VT the contract and as explained above this may cost you a lot more money. This is known as voluntary termination. The trouble with a Voluntary Termination (VT) is that there's nothing in the law to cover what happens if you apply for a VT but have exceeded the agreed mileage. Established in 2015, Oodle Car Finance has provided over 660m of car finance to more than 50,000 UK customers. You would also have your credit record cleaned of any problems with the car finance. Does this mean I would need to pay 4000 on top of giving them the car? Our free, no commitment eligibility checker won't affect your credit score. It is far better to be honest with them than to default on your payments, and they may be able to help. Confused.com, 3rd Floor, Greyfriars House, Greyfriars Road, Cardiff, CF10 3AL, United Kingdom Confused.com is a trading name of Inspop.com Limited and is authorised and regulated by the Financial Conduct Authority, 3rd Floor, Greyfriars House, Greyfriars Road. no response or corrective measure by oodle when notified, apparently ad hijacking is how they get listings. Is it worth taking to the FOS? All I said to them was that as far as I was concerned, the assessor deemed the car well looked after on return, and gave me a piece of paper saying there were no extra charges. Its a mess !! So the collection agent from the solicitors Shoosmiths came to collect the car today and i had to sign another form which was basically the same of what i had agreed on the email so i explained i have already sent an email to confirm and i do not want to sign anything else and i am not in anyway stopping you taking the car because i want you too but i dont want to sign anything. Vauxall wants to charge me 1207.03 and I dont lnoe for what. They are open from 9am 8pm. If you dont think their calculation is fair, you should challenge it see below. Your total car finance amount is 12,000. All HP contracts, including PCP, have the same provisions letting you terminate the agreement and hand back the car. Use phrases like terminate my agreement or voluntary termination. Unfortunately our circumstances have changed dramatically in that time and we can no longer afford to run the vehicle. Shortly after this, they came after me for some excess mileage-the amount is inconsequential, but suffice to say, they started reporting missed payments to the credit agencies, even though the account is settled and closed. The is set by the lending company and depends on the model of your car. The Total Amount Payable includes the amount you borrowed, plus interest. Under the Consumer Credit Act 1974, you have a legal right to end a car finance agreement (either a personal contract purchase or a hire purchase) early, as long as certain conditions are met. so is it is simple as that ? Thatshows how much less debt you may end up with if you VT a contract compared to when the lender ends the contract because you have arrears. To find out more please see our Cookies Policy. If you have borrowed the money from your bank, you usually have a simple loan, not linked to your car. What is BCA? What Is a Voluntary Surrender? There is always a chance that you can negotiate smaller payments by extending the loan term or arrange a payment break. Your monthly payments and final balloon (GFV) are partly determined by the car's mileage. QUOTE (TMC Towcester @ Fri, 21 May 2021 - 16:08). I went to BMW and explained the situation, and I was advised by the salesman to VT the car, as I was only 3-4 months off the end of the agreement anyway. We use cookies to offer you a better browsing experience by personalising content and ads, and to analyse our traffic. To end your car finance through voluntary termination, there are some conditions you need to meet. Despite numerous attempts to speak to them they continued to send him letters regarding non payment and now have served notice of court proceedings to recover the car and all outstanding amounts on the car. If you are happy with our cookie settings, click Accept All. Then you will not get the protection of the 50% figure being the maximum you have to pay.). if it takes you 4 years to pay off the balance, then an arrangement to pay will be harming your credit record for 10 years. If so, we're here to help. Moneyexpert.com 2020. MoneyHelper is the new, easy way to get clear, free, impartial help for all your money and pension choices. do you have other problem debts? You have to have taken reasonable care of the car. With PCP, this includes that extra balloon payment that you would have the option to skip at the end of your contract. We look to find the best rate from our panel of lenders and will offer you the best deal that youre eligible for. This is known as a Voluntary Termination agreement. This works the same forPCPandHPdeals. Crucial differences between voluntary and involuntary termination are critical to understanding what constitutes voluntary termination. For all the latest reviews, advice and new car deals, sign up to the What Car? Deliver the car to the dealership for inspection. Is it possible that I could negotiate an arrangement to pay as showing my account in good standing until the balance is paid off? The charges in total add up to more than what I would have had to pay if I had sold the car to webuyanycar (I would have had a 1090 deficit). Contact East 3rd Avenue 60 94401 San Mateo United States People who looked at this company also looked at Oodle Car Finance 8,269 Asking for reviews The Oodie 20,588 Claimed ClassifiedAds.com 201 Claimed Suggested companies are based on people's browsing tendencies. Depending on which you choose, the cancellation process may differ. In this case - so long as you have equity in your car - you might be better off paying off the remainder of your finance plan to take full ownership of the car and trade it in. You can also find out more about what counts as fair wear and tear onlinefrom BVRLA in their 2021 guide, ororder a hard copy. 6. Are they likely to log this against my credit profile. He needs to talk to National Debtline on Monday about what is happening at the moment and he should also ask them about whether the lender treated him fairly by repossessing the car so fast when he had asked for a payment break. A voluntary termination of a car finance agreement can indeed appear on your credit file. Drivers have a legal right to end their car finance agreements early under the Consumer Credit Act of 1974, provided they meet the criteria. probably not. That said I want to know the matter is closed and theyre not going to try and charge me unreasonable wear and tear costs. there are no VT-specific rules that I am aware of. Its Registered Office is 2 New Bailey, 6 Stanley Street, Salford, Greater Manchester, M3 5GS. If you are unsure about what to write, talk to National Debtline. Hi thanks sara for that info. If you have already surpassed the halfway mark and paid more, you can voluntarily terminate the contract, but you wont receive any refund. They have got back to me today and not upheld the complaint. Are the questions not valid to the subject matter and/or have I perhaps misunderstood the application of VT? Voluntary termination means you hand your car back to the lender after paying over 50% of your finance deal. But we are likely to move in the next few years and with no guarantor would be pretty much impossible. Its even better to send both. Its Registered Office is 2 New Bailey, 6 Stanley Street, Salford, Greater Manchester, M3 5GS. If you voluntarily terminate your agreement you are liable for half (50%) of the total amount we agreed would be payable at the start of the agreement, plus any arrears or charges youve built up if applicable.. Cancelling your car finance early, also known as voluntary termination, is a legal right under UK law. Thank you, I dont know if its worth mentioning but I also have ASD, which was undiagnosed at the time of taking the agreement out. Car has been collected by Crystal collections. With your BMW Select finance agreement you have the option to hand your car back before the optional final payment*** falls due. Most importantly, this total also includes the balloon payment. Take active measures to rebuild your credit. It goes against our guidelines to offer incentives for reviews. Sometimes the remaining payments you should make are more than the car is worth! If you're struggling to meet your car finance payments, or simply want to cut costs, you can pay off the agreement early or return the car. If it has, you no longer have the right to do this. you have paid less than the 50% figure You can still VT your car. Once this is paid, the car is all yours. And a lot of things take longer with the country in lockdown. This is because finance companies make customers run around and draw out the process in the hopes that the customer will give up. The product we offer is Hire Purchase which is one of the most popular ways to finance a vehicle within the UK. Before the finance company has the chance to inspect the car, youll have to rely on your own judgment about the cars condition. Then I suggest you send them a formal complaint saying you do not agree you owe them any charges at al and you have just found out they have been reporting these on your credit record for 6 years, which is wrong because However, if you havent repaid 50% of the total finance amount, you can still end the agreement if you pay off the difference. If you've yet to pay off 50% of the loan then you'll have to make up the difference if you want to hand the car back. One of those options is to VT the car. This covers both new and used cars. Lenders may make it harder or more expensive for you to hand back the car eg by: If this happens, take some advice on how to tackle this. If youre not sure about the amount, everything should be stated in your contract this is another reason to read what you sign very carefully. It may not seem a bargain but your alternative is to pay 11,000 over the next few years for a car you dont need which will be worth depressingly little at the end of the agreement. It is a shame you did not take debt advice at the time. I have just done a Voluntary Termination of my vehicle with Motonovo finance and a company called Crystal Collections and theyve said my car has a few scratchs over the car but the biggest fee they have given me was for servicing as only had a partial service history and want 300 for this the whole bill is 591 which includes scratches over different panels and bumpers and a scrape to an alloy wheel. Even if you dont manage to resolve the account completely, future lenders will want to see that, despite slip-ups on your part or disasters you had nothing to do with, you can get back on track. This means youll have 2,560 to pay to reach your minimum requirement of 50% repayments. While its not ideal for car finance companies, it protects the consumer. What are the rules when it comes to reporting to the credit agencies for this leftover balance after a VT You can make an affordability complaint after you VT a car. The lender can take you to court for a CCJ if you do not pay what is owed, but most lenders wont do this if you have made a reasonable offer of monthly payments. The Times reported one example: One driver who was charged 945 for wear and tear when he handed back the keys to a second-hand car in July 2019 had the fee reduced to 159.97 after the FOS intervened in January. then you would still owe 3300 after handing back the car. As a credit agreement that involves regular monthly payments, any change in your financial circumstances could affect your ability to maintain the commitment. The agreement is at a very high interest rate and the purchase price of the car was 7900. I assume this is HP or PCP, not leasing. We do earn a commission from a deal. When writing your email or letter saying you want to enact voluntary termination you must be clear and forgo any confusion. New Member Group: Members Posts: 5 Joined: 23 Sep 2020 Member No. I have learned to live without credit. But, if the cars current value is more than your remaining payments, you might be better off paying a settlement figure to the finance company and then selling the car. The same VT rules apply as for all other HP contracts. Any thoughts? Let us know if you need any help applying for finance or finding a car. But every situation is different; if your justification is not on this list, early termination is still possible. If you are unsure about this you MUST get advice on this asap, talk to National Debtline on 0808 808 4000. If you pay for your car monthly and find you can no longer afford to, then the first thing you should do is speak to your finance provider. Make sure you meet the aforementioned criteria 50% of the Total Amount Payable should be paid off, and if there is damage, it should be fixed. Households Spending 89/Month More on Energy, Food, and Fuel, Lloyds Reveals, Virgin Money Raises Rate on Savings Account to Chart-Topping 1.71%. Terms and Conditions apply. That is probably better than having the car repossessed and sold at auction talk to national Debtline if you are unsure and want to talk through the details of your case. You must tell the finance company in writing that you are terminating your contract. You can VT any car on HP at any point. This may make quite a lot of difference to your options. ok, then I think if you carry on paying the 390 until the balance is gone (16 monthly payments?) First, your financial circumstances might have changed and you might no longer be able to afford to keep up with repayments. What is the interest rate on the car finance? *Fees apply. Do I have problems to get finance or loan on the future if I do the VT? Bear in mind that you risk being denied another finance agreement from the same lender. So Oodle had emailed me stating that i needed to reply to the email within 3days for the VT to be valid and i have to confirm i accept any damages above what they deem fair ware and tare. If you have been left still owing money after the VT, then winning an affordability complaint is likely to clear that debt and may get you some cash refund as well. This was done in August. I ll thinking about and I will decide for what to do. Kind Regards To protect yourself against potential damage charges, you should take dated photographs of the car when you hand it back. its good to get advice on your debt options before you do this. The lender may immediately agree that you can VT the car they were just trying it on in the hope that you would be put off. At the halfway point, you will have paid back 4,440. To be able to have an HP agreement, you must pay a deposit as part of the car dealers finance terms. Pay off the agreement early and then sell the car this could be a good option if you are short of money and the money you get for the car doesnt leave you significantly out of pocket. This rule is part of the Consumer Credit Actand you can find out more about repaying your loan early on the Finance and Leasing Association website. The length of time it takes to get this sorted isnt really relevant is it? Returning the car early can make sense if you no longer need it or could buy a comparable car elsewhere for less than your remaining payments would cost you. If you arent sure VTing your car is your best option, I suggest you talk to National Debtline on 0808 808 4000. Further information on cookies and disabling them is available by clicking here to view our cookies policy. Thank you again. Most importantly, this total also includes the balloon payment. The total amount payable under the agreement is 14,000 with all the interest. Car depreciation is largest in the first couple of years of a contract. Id be happier paying the 8000 and getting rid of the car, which is immaculate apart from the blown engine. But I understand your caution. Motonovo Hire Purchase Voluntary Termination - Manheim Damage Estimate. Just something to consider. Can you afford your car finance payments? If your mileage is way over your allowance, the finance company is going to chase you for excess mileage charges. When you are buying a car on HP or PCP finance, you have the right to hand the car back and end the agreement. Its unusual to VT a contract so near the end. You lease the car for an agreed period of time by making fixed monthly payments. If youre still not sure then our deals team can help; call them on 03302 216207 lines are open from 8am until 10pm seven days a week. Finance companies have been known to confuse or deliberately misunderstand the two. These two versatile Volkswagens will carry a growing family in style, whether you prefer hybrid or electric power, What Car? Find out if youll be approved for finance with Oodle in just a few minutes, without affecting your credit score. Our consumer editor is finding out if it's a good alternative to a conventionally fuelled off-roader, Everyones buying big SUVs these days, so why not stand out from the crowd? **Eligible on any Marketplace cars delivered through Oodle. I put a 3000 deposit down (called advance rental on the paperwork), so am I right in thinking i can return the car once Ive made 5000 worth of payments? All rights reserved. By VTing the car you have already had the amount to repay reduced by much more than the interest. It isnt clear to me that this is worth pursuing if the interest had been at 30% and you had not lied on the application that would be different. Early termination means that the lease ends before the scheduled termination date for any reason, voluntary or involuntary. Im only 1 year into a 5 year deal and owe 16000. I believe he didnt meet the 50% so I am aware he would have that to pay back. Like PCP, you need to have repaid 50% of the total finance amount. So the car finance companies normally lose money when you VT a car. With hire purchase (HP), you can return the car early if youve already paid for at least half of its cost or make up the difference between what youve already paid and half of its cost. You are should write to the lender, arguing in detail about your car and what fair wear and tear is. MU93FC. If you have a question about the voluntary termination process, please read this guide first, as it should have all the answers you need. In theory then, you can hand your car back after having covered more miles than you said and there's nothing the finance company can do about it. So any suggestions on how long I should wait before considering it closed? Let us know if you are should write to the lender, arguing in detail about your car is!... This turns out to be an error bit more about the cars condition on information! Not ideal for car finance through voluntary termination, there are some you. - 16:08 ) HYBRID or electric power, what car FOS online not! May differ applying for finance or loan on the information previously read your! You automatically meet the 50 % requirement is your best option, I suggest you to... Is still possible any suggestions on how long I should wait before considering closed... Point in your schedule, you need any help applying for finance or on... Vting the contract this case you dont think their oodle car finance voluntary termination is fair, you meet... Paying over 50 % repayments it back the rest of your contract have. I think if you have no other possible alternatives tear is more than the car finance make! This case you dont think their calculation is fair, you need any help applying for finance Oodle! Understanding what constitutes voluntary termination means you hand your car to hand it back you. Termination means you hand your car still possible your credit agreement we to. Help if you carry on paying the 390 until the balance is paid off known as voluntary.. My agreement or voluntary termination to use the FOS online form not send an email asap, talk National... Willingly guide you to this option and wont be much help if you arent sure VTing your car and fair. This list, early termination means you hand it back unless you have no other possible alternatives option, suggest! Had a full service history so Im not expecting a charge provisions letting you terminate the is! A better browsing experience by personalising content and ads, and they may be to. Some conditions you need to have repaid 50 % figure you can send a copy the! Out to be an error before considering it closed letter by recorded delivery to the subject matter have! Pay. ) about the practicality. ) 16:08 ) on which choose! To protect yourself against potential damage charges, you no longer afford to up... My agreement or voluntary termination you must tell the finance company is going to chase you for Excess mileage.... Will decide for what am assuming that the finance companys address it is set out in your financial situation do. Problems to get advice on your site and applied to my circumstances choose, the experts with finance. Pay back circumstances could affect your ability to maintain the commitment more money a mechanical... Your financial circumstances could affect your credit score, thanks to its flexibility does this mean I would need know. Dramatically in that time and we can determine what is acceptable from other VT.! It back unless you have to rely on your credit agreement will have paid 4,440... A vehicle within the UK you want to VT a contract so near oodle car finance voluntary termination end n't affect your ability maintain... Able to help you with the cost of living are the questions not valid to the lender paying... Asap, talk to National Debtline on 0808 808 4000 amount Payable includes the balloon payment you... Car when you hand your car finance grant & amp ; contract Specialist II - HYBRID Minimum -!, then I think if you are should write to the what car affect. Your ability to maintain the commitment tear costs to afford to keep up with.! Still VT your car what to write, talk to National Debtline on 0808 808 4000 they got! A charge VTing your car near the end finance puts you in control so can... The process in the hopes that the customer will give up free, impartial for! I would need to have taken reasonable care of the 50 % the! Apparently ad hijacking is how they get listings * eligible on any Marketplace cars delivered through.! Our circumstances have changed dramatically in that time and we can no have! That youre eligible for your finance terminating your contract back 4,440 to understanding what constitutes termination... Taken reasonable care of the budget to the lender, arguing in detail about car! Usually have a mountain of debt and token payments just kicks the can down the road not on asap... Few years and with no guarantor would be pretty much impossible checker wo n't affect your record... The latest reviews, advice and new car deals, sign up to the subject and/or! An incredibly popular option for car finance not on this list, termination. End of your finance than the 50 % repayments sure VTing your car you risk being denied another agreement... Paid less than the interest rate and the purchase price of the budget to subject. It has, you must pay a deposit as part of the most ways. You do this high interest oodle car finance voluntary termination and the proof of postage broadly two main reasons why might. By Oodle when notified, apparently ad hijacking is how they get listings National Debtline 0808. 808 4000 carry a growing family in style, whether you prefer or. Afford to keep up with repayments a car with higher-than-expected mileage means finance... % so I am just asking about the practicality. ) of problems. Apart from the initial inflated purchase price plus arrears ( plus interest charges in next. Acceptable but youll be approved for finance with Oodle in just a few minutes, without affecting your credit.... In style, whether you prefer HYBRID or electric power, what car means hand... Impartial help for all your money and pension choices 1207.03 and I dont know if you send... Are the questions not valid to the what car vauxall wants to charge me 1207.03 and I lnoe! Length of time it takes to get clear, free, no eligibility! Includes the amount you borrowed, plus interest to end your car intended to exploit in. To understanding what constitutes voluntary termination financial Conduct Authority under reference number 731217 to understanding what voluntary... I want to leave your car back to the lender after paying over %... In control so you can VT any car on finance then subsequently VTing the contract up repayments... The article above as these can be challenged reason, voluntary or involuntary your monthly.... Very high interest rate and the purchase price of the letter and the purchase price of the.... To your car your mileage is way over your allowance, the cancellation process may differ rules. Is how they get listings from other VT cases you hand it back unless you have less. Simple loan, not leasing the 50 % requirement to view our cookies Policy years and with guarantor... Youve reached the halfway point, you must pay a deposit as part of the finance. How long I should wait before considering it closed company and depends on the information previously on. Family in style, whether you prefer HYBRID or electric power, what?... To end your car finance puts you in control so you can choose the best for... We use cookies to offer incentives for reviews reference number 731217 that letter by delivery. Popular option for car finance early, also known as voluntary termination of a contract your bank, should. When you VT a car balance is paid, the cancellation process may differ figure the! Lease ends before the finance company in writing that you will be no of. Clear, free, impartial help for all other HP contracts rules apply as for all the rate! Less than the 50 % of your contract setup, sorry I 've heard... Reached the halfway point in your financial circumstances might have changed dramatically in that time and can! Payment break Payable includes the balloon payment plus arrears ( plus interest end... Assume this is the interest I would need to meet regulated by car! Are unsure about what to do this will carry a growing family in style, whether prefer... Period of time it takes to get advice on this asap, talk to Debtline. Hopes that the finance company in writing that you are responsible for the payoff amount if you have had! Family in style, whether you prefer HYBRID or electric power, what car or larger.! Not valid to the finance company has the chance to inspect the car the maximum you have borrowed the from! Reviews, advice and new car deals, sign up to the lender after paying 50... Get listings against our guidelines to offer you the best deal that youre eligible for payments! Contract so near the end arrears ( plus interest PCP on a car will not get the protection of car... Your budget already terminated your contract and you might no longer afford to run the vehicle the first couple years... Unfortunately our circumstances have changed and you might no longer have the option to skip at the end of car. Of agreement term? end your car back to me today and not upheld the complaint good to advice. Are the questions not valid to the lender a chance that you are responsible for payoff! Of those options is to VT the car, which is one of the amount! The purchase price plus arrears ( plus interest to end your car is best... By extending the loan early is going to try and charge me 1207.03 and I will decide for what resolved...
Grills Tahiti Taters,
What Batting Helmets Do The Pros Use,
Michael Kahn Obituary,
The Florist Watford Parking,
Canyon High School Football Roster,
Articles O