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Advanced Financial Services - Is it a reliable company?

Had anybody use Advanced Financial Services, Inc. (AFS)? They sent me a preapproval file in the mail. They list their address as 25 Enterprise Center, Rhode Island, 02842 with an 800 number.

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

From the information I have seen about them on the net, they help people with their alternative financing needs.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

They provide mortgage lending services and are licensed in quite a number of states. In some of the states they do their business as AFSFinancial Inc.

They have sent a pre-approval but that does not guarantee that they will approve the loan. For that a loan commitment will be required from them.

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:02 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

For a preapproval you are required to fill out a loan application. Also you are required to provide verification of your employment and source of cash for the down payment & closing costs.

You also need to provide the lender the authorization to have your credit checked.

If you have not filled any loan application with this company then without all these formalities completed sending a pre-approval through a mail is all but just a kind of offer letter which does not have much value.

Jerusha

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:02 | Post subject:

helping_user's picture
helping_user | Joined: March 31, 2006 03:39 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Arampy,

As far as I know, the Advanced Financial Services, Inc is a residential mortgage lender dealing with alternative financing for over two decades. However, it does operate with a different name, AFS Financial Inc in some states. And, yes it does have an office in Rhode Island.

Thanks

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I did some searching and discovered that they are a lending institution that was founded arround 1992. They were issued a prliminary injunction on February 21, 2002 by Judge Jorge Solis of the United States District Court in Texas for fraudulent sales and making false guarantees about investments. Larry W. Tyler of Fort Worth, Texas and his company, "AFS" filed for bankruptcy two weeks before the suit was filed.
I don't know how this has affected the company at this date, but Larry W. Tyler was ordered by the court to cease and desist, and he has been barred from any further association.

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adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Thanks for the information Paul.

I am sure the Community will benefit from it. :)

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

The Texas company is a different AFS. AFSI was founded in Rhode Island in 1983, I believe. It's still in business and is a direct lender through Fannie Mae and Freddie Mac, along with HUD.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

is this co. areputable co. to deal with ? I am in Texas..

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gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

beware of preapprovals sent through the mail. if you have not applied for a loan, why would a company take it upon itself to tell you that you've already been approved? does this make sense?

do you have to pay back the loan for which you've been preapproved? if we can believe that we've been approved for loans that we haven't requested, why can't we believe that we don't have to pay them back, as well?

the reason these lenders exist is because the public is gullible - we believe anything they tell us as long as it sounds good to us.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I got a letter in mail from this company about being approved for a consolidation loan. Has anyone set a loan up with them and found them to be good. I have never hard of them, but I am looking for good place were I can get a consolidation loan on my credit cards so I can just make one big monthly payment. I did find their site afsfitfinance. I would like to know more info if afs advanced financial services scam, sence there is so many these days that are not.

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sara's picture
sara | Joined: July 5, 2006 03:16 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi TJ,

Frankly speaking I don't know much about Advanced Financial Services. But I guess you shouldn't go with companies sending you mails stating that you are approved for a loan. I mean on what basis did they approve you for the loan? they didn't mention it perhaps.

I've heard they are scam artists but I'm not sure since I haven't directly dealt with them. So, what i suggest is, request them to send you a copy of the BBB report, if they have any. It's a reliable report and will give you an idea as to whether they are worth dealing with.

Take Care

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:02 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I, too, received such an offer and would love to hear from someone who WAS APPROVED and who has had a good business relationship with AFS for over a year.

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Caron's picture
Caron | Joined: July 19, 2005 08:37 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Alice,

The wise move is to check the offer first. Most often such offers are nothing but mere scams. I'd like to ask what type of a loan offer you're talking about? Also if you say something more about the offer, it'll be helpful for me to give a concrete suggestion.

The fact remains that some people have good experiences with a company, while others may not. So, what matters is the kind of offer you get and whether or not all relevant information is being disclosed to you.

Good luck

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:02 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

We just received an AFS debt-consolidation pre-approval mail, too. If you read closely, you'll see that this is actually a mortgage re-fi offer.

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larry2's picture
larry2 | Joined: June 27, 2007 02:50 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Thorzdad.

So do you want to do [url=http://www.mortgagefit.com/refinance.html]refinance[/url]? Is it a FRM or ARM?

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I too have often wondered who is offering good, reputable debt consolidation loans these days?

So many finance options have dried up lately and interest rates are horrible with risk-based pricing based on credit score... you often have to have an extremely high FICO to get a decent rate and often a person who is carrying debt doesnt have a super high credit score just due to the debt level (even if they have a perfect payment history) It's sort of a catch-22.

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sara's picture
sara | Joined: July 5, 2006 03:16 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Even I'm not aware of debt consolidation loan providers. I guess going for a debt consolidation program is a better choice.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I received a pre-approved offer and I could really use it, so if anyone can vouch for this company please do so.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

well i don't know what kind of offer you have received. Can you tell us more about it.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I too have received a packet stating that I have been "pre-qualified" for a FHA Bill Consolidation Loan. I believe there is a difference between a "pre-qualification" and a "pre-approval". I am not sure if the statements made here, or the questions are truely regarding a 'pre-approval' or 'pre-qualification'. As stated here by others, approval can only be obtained by means of application in which you disclose your finacial information, credit history, wages etc. and then sign and date that you have made not knowingly made any fraudulant statements. If that has not happened, you cannot be pre-approved. Pre-qualification, on the other hand is nothing more than and offer to file an application. There is no guarantee, implied or otherwise, that you will actually receive approval for either the loan amount they state you are "pre-qualified" for or that you will receive the interest rate they have stated.
What I believe is taking place, and this is my own opinion, is these companies use this type of mailer to get folks to call the 1-800 number thinking they are 'pre-approved' when in fact they are not. Then, however once they have you on the phone the sales pitch begins and they will attempt to convince you that should at the very least allow them to 'put a package' together for you showing you just how much you can save by consolidating your debt through re-financing. They will be very carefull note to guarantee anything, especially the final amount or the interest rate.
I am not implying that what they are doing is in any way illegal or that companies that imploy this tatic are not completely legitimate. They may very well be very good companies, this is just another marketing tool that, while it may seem to some is borderline on the ethics, is used to get you to talk to them. Once the dialog starts, you MUST pay close attention to EXACTLY waht is being offered.
I know this is long, apologies, but I just thought somone should step in here and clarify things. Go back and look at the documents you have received in the mail and double check weather it states 'pre-qualified' or 'pre-approved'. Hope this helps.

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jerry's picture
jerry | Joined: October 17, 2005 03:24 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Jones!

Pre-qualified means that you may be offered a mortgage loan. Whereas pre-approval means that you submit a loan application to the the mortgage company or lender and go through various formalities so that your loan is finally approved.

You can check the following page to know more about pre-qualification and pre-approval.
http://www.mortgagefit.com/qualification-approval.html

You will also come to know about the factors that are taken into considered for Pre-qualification and the documents required and factors involved in Pre-approval.

Thanks,

Jerry

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Making money is their bottom line, like any business. The problem I have is what they will allow their employees to get away with. Complaints of serious unethical behavior falls on deaf ears. I would make sure all information, points especially, are checked and double checked.

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jameshogg's picture
jameshogg | Joined: December 20, 2005 02:58 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Guest!

You are absolutely correct in saying that. One has to be very careful while choosing the lenders and judging their credentials.

Thanks.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

The document that they send out is actually a pre-qualified offer. Based on a list they bought from some company you do business with they send out these letters. They solicit for their business through the mail. They have good standing with the BBB. I know there is something in regards to a case regarding fraudulent practices in the early 2000's - I belive that was rectified with that CEO (CFO???) leaving.

As another stated this is a refinance/consolidation loan.

Just remember regardless of how much they offer you or how much you get - you have to make sure you can physically pay for it yourself. Regardless of what they say you can afford - you know what your monthly bills are and what payment you are comfortable with. Many of these foreclosures may have been due to companies giving too much, but remember each loan was signed by the home owner who agreed to receive that money. Just be smart about what you can afford :)

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Has anyone had a good experience with AFS 25 Enterprise Center, in Rhode Island? We are considering re-fi'ing our mortgage.

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jameshogg's picture
jameshogg | Joined: December 20, 2005 02:58 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Apache!

I haven't heard much about them but what I can find out from Internet was that they offer alternate financial services and a lot of people have good experience with them. You can find a detailed description on AFS 25 Enterprise Center in the link mentioned below:
http://www.mortgagefit.com/know-how/about5856.html

Please have a look what the community members have to say about the company.

Thanks.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Any body took a loan from this company currently?

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jameshogg's picture
jameshogg | Joined: December 20, 2005 02:58 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Thelma!

Are you taking a loan from them? Did you face any trouble while dealing with them? You can discuss the experience with this company at this forum. To know more about the company, you can also visit the link mentioned in the above post and have a look what the experts have to say about the company.

Thanks

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

jameshogg
your link posted above is just the link to this page...what was the link you were intending to provide?

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jameshogg's picture
jameshogg | Joined: December 20, 2005 02:58 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Walt!

I am extremely sorry for the inconvenience caused to you. You can refer to the link given below.
http://www.mortgagefit.com/know-how/about5856.html#54475

I hope it will help.

Thanks

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I just read someone who is really not happy with this company. they are losing their house and blame this company for it. Not completely sure if that is valid, but thought you would want to know there are unhappy customers out there.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Stay away from this company. I applied and sent all the documents back on10/06/08. Two weeks passed and nothing. I called my loan officer and he told me I missed signing two documents. Okay so when was this idiot going to call me and tell me. That was taken care of. Then again, nothing. I call again. Now its an old mortgage that was never released. He said another ten days and we will close. Ten days l;ater, nothing. I call and now we need something else. Finally I get angry and call last week and he promises to close by 11/11. Today I get an email that the loan was denied because I was late with octobers mortgage payment. That was his fault because he promised to have the loan closed before the end of the month. FHA does not reject a loan for one late payment.Even his supervisor new nothing. Not a company you want to trust.He didn't even have the courtesy to call me and tell me. He sent an email.

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Niicss's picture
Niicss | Joined: October 3, 2005 11:54 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi linda,

Thanks for sharing your experience with the the community members. A lot of people will be benefited from this.

Thanks.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I have done business with AFS. They are fabulous. the AFS that was mentioned in the lawsuit is not the same company as someone else stated. The pre-approvals are really just a solicitation. A way to get their name out there. They have used none of your personal information, except name and address, when choosing whom to mail these to. In the industry, they are called "mailers". Check them out. In my experience with them, they are not pushy at all.

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carl.pruitt's picture
carl.pruitt | Joined: November 9, 2008 05:11 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

This is a very long running thread!

But I have picked up something valuable from the last few posts that I think should be highlighted. This isn't addressed to any one person in particular. These are mistakes I very commonly see happening in the mortgage process.

First, if you are in the process of refinancing a home, realize that - depending on the company and the timing and your individual circumstances - the process could take anywhere from 10 days to 6 weeks and that is all within a normal range of processing times. Still, do expect to be contacted regularly without having to chase down your loan officer.

Second, please do not ever let a payment be late while in the process of getting a mortgage no matter what the loan officer says or when they say you will be closing. There are many hundreds of details that all must come together to get a loan to the closing table. These can range from something you filled out wrong that didn't get noticed through mistaken liens that don't belong on your property to incompetence of your mortgage broker, their lender, the appraiser or the closing agent. Any one of them can delay your closing. At the bottom line, no one is ever going to hold any of those people responsible for your credit.

So if the loan officer tells you that the closing will be on Wednesday but your payment will be 30 days late on Tuesday, go ahead and make the payment before then. I can't stress strongly enough that the people wrongly telling you to wait before making your payment will not be there to help when something goes wrong.

This hasn't come up in this thread, but it is a related issue. Don't sign anything you haven't read and don't understand. No matter what pressure the salesman may put on you. No matter how long it takes you to read it.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Ditto. Has anyone out there spoken to an AFS representateive directly on the phone? Has anyone been approved? I'm looking for a consolidation loan, not a re-fi. What is the interest rate of the AFS consolidation loan?

With banks freezing lending and credt card companies shrinking credit lines, of course there will be lending outfits jumping in to lure people with such offers. But do we know if they have integrity?

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jerry's picture
jerry | Joined: October 17, 2005 03:24 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi lmelton!

I was visiting the official website of AFS and got their contact number. Its 1-800-644-3327. You can speak to a loan officer with the help of this number. Its better if you speak to them directly and get the details. To know more about them and what the community members feel about them, you can check the following link:
http://www.mortgagefit.com/know-how/about5856.html#54475

Thanks,

Jerry

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi, I called to see what they could do for me on 11-6-08 after being layed off from my job. I have a home loan fixed at 6%, $805 mth. (with insurance included) owing $110,232 on the house, (2) C/C bills getting close to being max-out @ $2200 each, and (2) car loans with intrest rates above 9%, with a total debt of @ $162,800. Things are starting to get tight for my wife and I, and I was trying to lower some monthly bills. I was told I would have to fill out a credit application, have my credit report pulled from all 3 reporting agencies and if I was approved for the loan, there would be clossing cost (which I could pay or have added to the loan value) and the intrest rate would be determined by my credit score..which is 724. The flier I recieved in the mail said the intrest rate was fixed at 6%. This was NOT the case.I was approved at 7.9%. So to make a long story short, my payement would be $1183.71 mth. for all bills to be wraped in one loan vs. $ 2192.54 paying them as I do now, which would save me @ $998.83 mth. by consolidation, but this could be done with most lenders using your home, cars, ect. for collateral as all of these items are owned by my lenders anyway. So, use your own judgement , but it can be done....I'm still trying to decide in my own case with the offer good through 12-5-08...Scared of market , lenders mailing fliers and FHA at this time. Hope this was help someone in their case

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

i had recently received a letter from them too, and talked to them for refinancing. They will ask you to get an appraisal for your own benefit, but appraisal fee will come out of your pocket cost about $350. Im looking for dbt consolidation co. that is trustworthy, any idea? I will appreciate it.

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jerry's picture
jerry | Joined: October 17, 2005 03:24 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi

To FirehouseSmokers!

If you are looking for a FHA loan, then I must say that it is not a credit score driven loan. You can get a FHA loan with as low as 580 credit score. Moreover, they had send you an interest rate by roughly estimating you credit, income and other details. Once you get finally pre-approved, it is easier for them to tell you the exact interest rate you need to pay.

You have mentioned that you are planning to lower some of your monthly bills. For that it is better if you can go for a debt settlement or a debt consolidation rather than going for a FHA loan.

Thanks a lot for sharing your experience with the community. Do keep the community updated so that the experts here may help you in a better way.

To mabext!

I know of a community who offer debt consolidation - "debtconsolidationcare.com". You can check out their website and also contact the financial coach who will help you to decide the best option.

Thanks,

Jerry

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I have just received a Bill Consolidation Loan Acceptance letter from them as well. I am curious. My mother is on a local board at our local bank. I will check with them and other financial people as well to see what I can learn. I am not gullable and will investigate and reply as soon as possible.

If anyone else has any info please forward it to "kimmy_123_41339@yahoo.com"

[size=9:bb13b2f8ff][color=Red:bb13b2f8ff][Link deactivated as per forum rules. Thanks.][/color:bb13b2f8ff][/size:bb13b2f8ff]

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jameshogg's picture
jameshogg | Joined: December 20, 2005 02:58 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Blondie,

I guess you have not applied for the Bill Consolidation Loan. In that case, you should immediately contact them seek an explanation from them.

Thanks

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I just closed an FHA 30 yr fixed loan from them tonight. Refinanced an interest only ARM into a very good rate on a fixed rate mortgage. They are very responsive and keep you informed at all times of any changes or documents you need to supply. I too was skeptical at first after receiving one of their mailings but decided to call about 2 months ago. Had to do some leg work on my own to get the documents they needed, but it was well worth it to get a more secure loan and peace of mind. Hope this helps. :D

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adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi captkc,

Thanks for sharing your experience with the community. Yes, it's always better if one does some research about the background of the company with which he or she is applying the loan with. Moreover proper documentation of all the details is also very important.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

If it's american financial solutions, then it's a debit management company that I used in 2003 though 2006. They helped us with our credit card debits (very please with them).

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jameshogg's picture
jameshogg | Joined: December 20, 2005 02:58 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Guest,

Thanks for sharing your experience with the community. Hope it helps a lot of people.

Wish you a Merry Christmas.

Thanks

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I Recieved an official offer in the mail stating that they could refin on my home and pay some bills down. They stated that they were Freddie Mac and fannie may accredited. SO I started a lrefinancing/loan with them. tt is now Jan. the 2 and still no close as of yet. I also went on the internet just last night and did some research (something I should have done from the start)
I found alot of Advanced Financial services on the BBB with an A+ rating, BUT I realized that they all may not be the same. On their site, they state that they have been open since 1983 and work out of three places So I typed their address in and it shows NR...not reviewed and the address in Penn. shows another lender that has xhanged their name. not the same apparently...NOW I AM WORRIED SICK..I GAVE THEM 375.00 TO APRAISE MY HoME AND WE'RE VERY CLOSE TO CLOSING. THEN i READ ABOUT THT LARRY GUY WHO RIPPED PEOPLE OFF FFROM THERE. i JUST DONT KNOW WHAT TO DO. PLEASE HELP
SUSAN

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smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Susan!

Welcome to forums!

You have mentioned that you are very close to closing. So I guess, you haven't closed the deal with them. In that case, you can cancel the deal with them and [url=http://www.mortgagefit.com/refinance.html]refinance[/url] the mortgage with some other lender.

Feel free to ask if you have further queries.

Sussane

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Pre-screen clearly says that offer is based upon credit report. I got 5.5% and used it to pay off 26% Sears card. Russ

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Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

After receiving information on a debt consolidation loan from AFS in Rhode Island and doing research on line about the company I decided to call and see what they would say.
First I found no negative information about AFS in Rhode Island. In the material sent they first say that I have qualified for a loan inside the first page but the next page states "Dear Dave, I'm delighted to inform you that you have been approved for a Homeowner Bill Consolidation Loan of up to $417,000..."
When i called and spoke with a Kevin Preble and asked if i was truly approved for the loan he got defensive and asked what was the real reason for the phone call. I stated that i wanted to get a debt consolidation loan and was glad i was already approved and i just wanted to clarify my pre-approval status. He stated that our marketing department sends those out and that i was not really approved yet and would have to go through all the normal loan process steps." When i stated that I cold find a local company in my own state that can take me through the loan process he then stated "If all you want to do is argue then you should use someone local". He hung up after that.
Looks like i will cc this to the WA State Attorney General's office.
Sorry this is so long but i thought this would save a lot of people from wasting their time with AFS and getting their hopes up.

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 00:02 | Post subject:

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