Они рефинансируют кредиты заемщикам нескольких банков

Фото:
Сафрон Голиков /
Коммерсантъ

  |  купить фото

Менеджеры коллекторского агентства «Кредитэкспресс» начинают необычный бизнес. Их компания «Служба экономической помощи» (СЭП) предлагает должникам с тремя займами и более выкупить у кредиторов их долги, объединить в один и облегчить заемщикам условия по платежам. Зарабатывать компания планирует на разнице между покупкой долга у кредитора (банка или МФО) и полученных сумм от заемщика.

О том, что руководители агентства «Кредитэкспресс» придумали новый бизнес, «Ъ» рассказали несколько банкиров. «Помощники» хотят объединять несколько задолженностей в одну, сокращать общую сумму долга и «назначать» должнику посильные ежемесячные взносы. СЭП намерена индивидуально договариваться с каждым банком по каждому кредиту заемщика. В планах компании — привлекать 1-1,5 тыс. клиентов (с тремя займами и более) в месяц. Покупать кредиты у банков СЭП собирается в несколько раз дороже, чем в рамках пакетного предложения. Сейчас коллекторы покупают у банков по цессии в основном пулы кредитов (в среднем 5-10 тыс.) примерно за 1% от балансовой стоимости. Зарабатывать компания рассчитывает на разнице между покупкой долга у кредитора и полученных средств от должника. Инвестиции в проект небольшие: в первый год — около 60 млн руб., в следующий — 100 млн руб.

Гендиректор СЭП и по совместительству старший вице-президент «Кредитэкспресса» Виктор Семендуев подтвердил «Ъ», что проект пилотируется, однако указал, что коллекторское агентство и фирма «помощи должникам» юридически между собой не связаны. «Инвестором выступает европейская инвестиционная компания со штаб-квартирой в Вене»,— сообщил господин Семендуев, отказавшись уточнить ее название. Согласно данным базы «СПАРК-Интерфакс» и Kartoteka.ru, Виктор Семендуев является гендиректором компании «Вилдон инвестмент», зарегистрированной в июне 2016 года и владеющей брендом «Служба экономической помощи».

В компании рассчитывают, что должники будут приходить сами (иначе СЭП не получит доступа к их кредитной истории и не сможет проверить клиентов), если поймут, что не справляются с долговой нагрузкой. «Через год мы планируем обслуживать 15 тыс. должников с общей суммой долга 2,3 млрд руб.»,— прогнозирует господин Семендуев. Привлекать клиентов СЭП намерена с помощью рекламы в соцсетях и на радио.

Банки не исключают возможности работать по предлагаемой схеме. «Банк готов взаимодействовать с должником (и его законными представителями) для урегулирования долга, в том числе и с точки зрения применения нестандартных инструментов, как в случае с СЭП»,— сообщили в Росбанке. Не исключают такую возможность в ХКФ-банке и Россельхозбанке.

По данным Объединенного кредитного бюро (ОКБ), на 1 января 2017 года три кредита и более имеют 18,2% заемщиков банков и МФО, из которых почти половина имеет просрочку. В развитых странах заемщики активно пользуются такой услугой. «Для заемщика выгодно работать с единственным кредитором, который способен собрать по рынку множество его долгов, оптимизировать их и спланировать платежи»,— указывает первый вице-президент НАПКА Александр Морозов.

Тем не менее участники рынка сомневаются в успехе проекта. «Подобная схема хорошо работает в Европе и США с учетом пройденной эволюции взыскания. В России пока не сформировано отношение к коллекторам, как к «центрам финансового оздоровления»,— комментирует гендиректор «Активбизнесколлекшн» Дмитрий Теплицкий.— Сегодня в России возможен выкуп прав требований должников пакетно, индивидуальная цессия является дорогостоящей и нерентабельной для взыскателя: 30-50% от номинала». По его мнению, эффективно работать с таким долгом возможно, к примеру, если СЭП предложит должнику погашение без дисконта с рассрочкой. «Банки продают пулы задолженностей, произведенные по своей выборке. Выборка должников по запросу взыскателя — это следующий этап развития рынка»,— считает гендиректор Первого коллекторского бюро Павел Михмель.

Есть риск, что со стороны должников будет низкий отклик ввиду непонимания самой структуры предложения, опасается совладелец агентства «Эверест» Дмитрий Чернышов. «Гражданам, вероятно, будет трудно понять основную идею предлагаемой сделки, в чем будет заключаться выгода для банка-кредитора. Они будут подозревать, что это один из очередных способов мошенничества,— указывает он.— К тому же нет никакой гарантии, что, согласившись на реструктуризацию, должники будут впоследствии оплачивать задолженность».

Источник: kommersant.ru

196 комментариев

Уведомление: HOW TO MAKE $100 A DAY ONLINE
Уведомление: site here
Уведомление: Expand your social media presence
Уведомление: w88
Уведомление: great site
Уведомление: 카지노사이트
Уведомление: https://www.olx.pl/
Уведомление: steelers
Уведомление: how does cbd oil taste
Уведомление: pokermas99
Уведомление: Tamaulipas

This design is wicked! You obviously know how to keep a reader amused. Between your wit and your videos, I was almost moved to start my own blog (well, almost…HaHa!) Excellent job. I really loved what you had to say, and more than that, how you presented it. Too cool!

Уведомление: link w88

I’m extremely impressed together with your writing talents and also with the structure for your weblog. Is that this a paid subject or did you customize it your self? Anyway stay up the excellent quality writing, it is rare to peer a nice weblog like this one these days..

I love your blog.. very nice colors & theme. Did you create this website yourself? Plz reply back as I’m looking to create my own blog and would like to know wheere u got this from. thanks

Appreciating the hard work you put into your blog and in depth information you present. It’s awesome to come across a blog every once in a while that isn’t the same outdated rehashed information. Wonderful read! I’ve bookmarked your site and I’m adding your RSS feeds to my Google account.

Normally I don’t read post on blogs, but I would like to say that this write-up very forced me to try and do so! Your writing style has been surprised me. Thanks, very nice post.

As I web-site possessor I believe the content material here is rattling magnificent , appreciate it for your efforts. You should keep it up forever! Good Luck.

Thank you for any other magnificent post. Where else could anybody get that type of info in such a perfect means of writing? I have a presentation next week, and I am on the look for such information.

Nice post. I was checking constantly this blog and I am impressed! Extremely helpful info specially the last part 🙂 I care for such information a lot. I was looking for this particular information for a very long time. Thank you and best of luck.

Уведомление: 놀이터추천

There are certainly loads of particulars like that to take into consideration. That may be a great point to convey up. I offer the thoughts above as basic inspiration however clearly there are questions like the one you carry up where an important factor will likely be working in sincere good faith. I don?t know if best practices have emerged around issues like that, but I am sure that your job is clearly identified as a good game. Both boys and girls really feel the impression of just a second’s pleasure, for the remainder of their lives.

Уведомление: porn

I’ve been absent for a while, but now I remember why I used to love this website. Thank you, I will try and check back more often. How frequently you update your web site?

Уведомление: porn

Can I just say what a relief to find somebody who really is aware of what theyre talking about on the internet. You positively know easy methods to bring an issue to gentle and make it important. Extra folks have to read this and perceive this facet of the story. I cant imagine youre no more popular because you positively have the gift.

What’s Happening i am new to this, I stumbled upon this I’ve found It positively useful and it has helped me out loads. I hope to contribute & aid other users like its aided me. Great job.

Thank you so much for giving everyone such a marvellous chance to read articles and blog posts from this web site. It really is so amazing and as well , full of a great time for me personally and my office colleagues to search your site at the least three times in a week to read the fresh things you have got. And definitely, I am also certainly satisfied concerning the superb creative ideas you serve. Certain two tips on this page are in truth the most efficient we have all ever had.

Уведомление: best corn hole boards

Its like you read my mind! You appear to know so much about this, like you wrote the book in it or something. I think that you can do with a few pics to drive the message home a bit, but instead of that, this is wonderful blog. A great read. I will certainly be back.

I am not sure where you’re getting your information, but good topic. I needs to spend some time learning much more or understanding more. Thanks for great info I was looking for this info for my mission.

Its wonderful as your other blog posts : D, thankyou for posting. «I catnap now and then, but I think while I nap, so it’s not a waste of time.» by Martha Stewart.

wonderful post, very informative. I wonder why the other specialists of this sector don’t notice this. You should continue your writing. I am confident, you’ve a huge readers’ base already!

Great – I should definitely pronounce, impressed with your web site. I had no trouble navigating through all tabs and related information ended up being truly easy to do to access. I recently found what I hoped for before you know it in the least. Reasonably unusual. Is likely to appreciate it for those who add forums or something, website theme . a tones way for your client to communicate. Nice task.

Generally I don’t read article on blogs, but I would like to say that this write-up very forced me to try and do it! Your writing style has been surprised me. Thanks, very nice article.

Thank you for the sensible critique. Me & my neighbor were just preparing to do a little research on this. We got a grab a book from our area library but I think I learned more clear from this post. I’m very glad to see such great info being shared freely out there.

I needed to compose you one very little word just to give many thanks again about the fantastic principles you have provided here. It’s extremely open-handed of you to present extensively what numerous people would have marketed for an e-book to make some bucks for their own end, precisely now that you could possibly have tried it in case you desired. Those ideas in addition served as a easy way to recognize that most people have similar zeal the same as my very own to know more and more concerning this matter. I’m certain there are thousands of more enjoyable sessions up front for many who scan through your blog post.

Simply wish to say your article is as surprising. The clarity on your put up is just nice and that i can suppose you’re knowledgeable in this subject. Fine together with your permission allow me to snatch your RSS feed to keep updated with imminent post. Thank you a million and please continue the enjoyable work.

Usually I do not read article on blogs, but I would like to say that this write-up very forced me to try and do so! Your writing style has been amazed me. Thanks, quite nice post.

I simply want to say I’m beginner to blogging and site-building and really savored this web site. Likely I’m want to bookmark your website . You certainly come with impressive writings. Bless you for sharing with us your web page.

Nice post. I learn something totally new and challenging on websites I stumbleupon every day. It will always be interesting to read content from other authors and use a little something from other websites.

An intriguing discussion is definitely worth comment. I do think that you need to publish more on this issue, it might not be a taboo subject but generally people do not discuss these topics. To the next! Kind regards!!

Greetings, I think your site could be having web browser compatibility issues. Whenever I look at your web site in Safari, it looks fine however, when opening in I.E., it’s got some overlapping issues. I just wanted to give you a quick heads up! Apart from that, great website!

After I originally left a comment I appear to have clicked the -Notify me when new comments are added- checkbox and now every time a comment is added I recieve four emails with the exact same comment. There has to be an easy method you can remove me from that service? Appreciate it!

I would like to thank you for the efforts you’ve put in penning this website. I really hope to view the same high-grade content from you in the future as well. In fact, your creative writing abilities has motivated me to get my own blog now 😉

Howdy! This post couldn’t be written any better! Going through this post reminds me of my previous roommate! He constantly kept preaching about this. I’ll forward this post to him. Fairly certain he will have a good read. I appreciate you for sharing!

The next time I read a blog, I hope that it does not disappoint me just as much as this one. After all, I know it was my choice to read, but I really believed you would probably have something helpful to say. All I hear is a bunch of whining about something you can fix if you were not too busy searching for attention.

I was excited to find this web site. I need to to thank you for ones time for this wonderful read!! I definitely liked every part of it and I have you bookmarked to check out new things on your blog.

A motivating discussion is worth comment. I do believe that you ought to write more about this topic, it may not be a taboo matter but typically people do not speak about such topics. To the next! Kind regards!!

I blog often and I genuinely thank you for your information. This article has really peaked my interest. I am going to take a note of your site and keep checking for new details about once a week. I subscribed to your Feed too.

Hello! I could have sworn I’ve visited this blog before but after going through some of the posts I realized it’s new to me. Anyways, I’m definitely happy I stumbled upon it and I’ll be bookmarking it and checking back regularly!

Hi there, I believe your blog may be having internet browser compatibility issues. When I look at your site in Safari, it looks fine however, when opening in I.E., it has some overlapping issues. I just wanted to provide you with a quick heads up! Besides that, excellent website!

I’m amazed, I must say. Seldom do I come across a blog that’s both equally educative and interesting, and without a doubt, you’ve hit the nail on the head. The issue is an issue that not enough folks are speaking intelligently about. Now i’m very happy that I stumbled across this in my search for something regarding this.

Hi, There’s no doubt that your blog could be having browser compatibility issues. When I take a look at your website in Safari, it looks fine however when opening in I.E., it has some overlapping issues. I simply wanted to give you a quick heads up! Besides that, excellent site!

Hi, I do think this is a great blog. I stumbledupon it 😉 I’m going to come back once again since i have saved as a favorite it. Money and freedom is the greatest way to change, may you be rich and continue to help others.

Next time I read a blog, Hopefully it does not fail me as much as this particular one. After all, Yes, it was my choice to read through, however I really believed you would probably have something helpful to say. All I hear is a bunch of crying about something that you could possibly fix if you weren’t too busy seeking attention.

The very next time I read a blog, I hope that it does not disappoint me as much as this one. I mean, Yes, it was my choice to read, nonetheless I genuinely thought you would probably have something interesting to talk about. All I hear is a bunch of moaning about something that you could fix if you were not too busy seeking attention.

I want to to thank you for this excellent read!! I certainly loved every bit of it. I’ve got you book-marked to check out new things you post…

The very next time I read a blog, I hope that it doesn’t disappoint me as much as this particular one. I mean, I know it was my choice to read, nonetheless I genuinely thought you would have something useful to say. All I hear is a bunch of crying about something you can fix if you weren’t too busy seeking attention.

Aw, this was an extremely nice post. Taking the time and actual effort to produce a great article… but what can I say… I procrastinate a whole lot and never manage to get nearly anything done.

Right here is the perfect web site for anybody who wants to understand this topic. You realize a whole lot its almost hard to argue with you (not that I really would want to…HaHa). You definitely put a new spin on a subject that has been discussed for years. Excellent stuff, just great!

You’ve made some really good points there. I looked on the internet to learn more about the issue and found most individuals will go along with your views on this site.

It’s nearly impossible to find knowledgeable people about this subject, but you seem like you know what you’re talking about! Thanks

An impressive share! I have just forwarded this onto a friend who had been doing a little research on this. And he in fact ordered me dinner because I discovered it for him… lol. So allow me to reword this…. Thanks for the meal!! But yeah, thanx for spending some time to talk about this topic here on your web page.

Excellent site you have got here.. It’s hard to find high-quality writing like yours nowadays. I truly appreciate individuals like you! Take care!!

Good post. I learn something new and challenging on blogs I stumbleupon every day. It will always be interesting to read content from other authors and practice a little something from their websites.

Excellent web site you have got here.. It’s hard to find quality writing like yours nowadays. I honestly appreciate individuals like you! Take care!!

Hello there! This article could not be written much better! Looking through this article reminds me of my previous roommate! He constantly kept talking about this. I most certainly will forward this information to him. Pretty sure he’ll have a great read. Thank you for sharing!

Hello! I simply would like to offer you a huge thumbs up for the great info you’ve got right here on this post. I am coming back to your web site for more soon.

Hello, I do think your web site may be having browser compatibility issues. Whenever I look at your blog in Safari, it looks fine however, if opening in IE, it’s got some overlapping issues. I merely wanted to give you a quick heads up! Other than that, excellent website!

Everything is very open with a very clear clarification of the issues. It was definitely informative. Your site is extremely helpful. Thank you for sharing!

You have made some good points there. I checked on the web for more information about the issue and found most individuals will go along with your views on this web site.

Excellent web site you’ve got here.. It’s difficult to find quality writing like yours nowadays. I honestly appreciate individuals like you! Take care!!

An intriguing discussion is definitely worth comment. There’s no doubt that that you ought to write more on this subject matter, it may not be a taboo subject but usually people do not speak about these issues. To the next! Cheers!!

I quite like looking through a post that will make men and women think. Also, thank you for allowing for me to comment!

I wanted to thank you for this great read!! I definitely loved every little bit of it. I’ve got you bookmarked to look at new stuff you post…

When I initially commented I appear to have clicked the -Notify me when new comments are added- checkbox and now each time a comment is added I recieve four emails with the exact same comment. Perhaps there is an easy method you can remove me from that service? Many thanks!

That is a really good tip especially to those fresh to the blogosphere. Simple but very accurate information… Appreciate your sharing this one. A must read post!

Greetings! Very useful advice within this post! It’s the little changes that will make the biggest changes. Thanks a lot for sharing!

Everything is very open with a precise clarification of the challenges. It was definitely informative. Your website is useful. Thanks for sharing!

Oh my goodness! Awesome article dude! Thank you so much, However I am going through troubles with your RSS. I don’t know why I can’t subscribe to it. Is there anyone else getting the same RSS issues? Anybody who knows the answer will you kindly respond? Thanks!!

Hi, I do believe this is a great blog. I stumbledupon it 😉 I am going to come back once again since i have saved as a favorite it. Money and freedom is the greatest way to change, may you be rich and continue to help other people.

That is a good tip particularly to those new to the blogosphere. Simple but very accurate information… Appreciate your sharing this one. A must read article!

Aw, this was an exceptionally good post. Finding the time and actual effort to generate a really good article… but what can I say… I put things off a lot and never seem to get nearly anything done.

Good web site you have got here.. It’s difficult to find good quality writing like yours nowadays. I seriously appreciate people like you! Take care!!

I blog frequently and I truly thank you for your information. This great article has really peaked my interest. I am going to book mark your site and keep checking for new information about once per week. I opted in for your Feed too.

May I simply just say what a comfort to uncover someone who genuinely understands what they are discussing on the web. You certainly realize how to bring an issue to light and make it important. More and more people ought to check this out and understand this side of the story. I can’t believe you aren’t more popular because you definitely possess the gift.

Good post. I learn something new and challenging on sites I stumbleupon everyday. It will always be exciting to read articles from other writers and practice a little something from other web sites.

Spot on with this write-up, I truly think this website needs a lot more attention. I’ll probably be returning to see more, thanks for the info!

An impressive share! I have just forwarded this onto a colleague who has been doing a little research on this. And he actually ordered me lunch due to the fact that I found it for him… lol. So let me reword this…. Thanks for the meal!! But yeah, thanks for spending the time to talk about this matter here on your blog.

You’re so awesome! I do not believe I’ve read through something like this before. So good to discover another person with a few genuine thoughts on this topic. Seriously.. thank you for starting this up. This web site is something that is needed on the web, someone with a little originality!

Hi there! This post could not be written much better! Going through this article reminds me of my previous roommate! He always kept preaching about this. I’ll forward this article to him. Pretty sure he’ll have a very good read. Thank you for sharing!

A fascinating discussion is definitely worth comment. There’s no doubt that that you need to write more on this topic, it may not be a taboo subject but usually people do not speak about such issues. To the next! Cheers!!

Howdy, I believe your site could be having internet browser compatibility issues. When I look at your web site in Safari, it looks fine however, when opening in IE, it has some overlapping issues. I merely wanted to provide you with a quick heads up! Apart from that, wonderful website!

Howdy! This article couldn’t be written much better! Going through this article reminds me of my previous roommate! He always kept talking about this. I will send this post to him. Fairly certain he’s going to have a good read. Thank you for sharing!

Right here is the perfect web site for everyone who wants to understand this topic. You know a whole lot its almost hard to argue with you (not that I personally will need to…HaHa). You definitely put a fresh spin on a subject that’s been discussed for decades. Wonderful stuff, just great!

A fascinating discussion is worth comment. I think that you should publish more about this subject, it might not be a taboo matter but generally people don’t speak about such subjects. To the next! Many thanks!!

After going over a few of the articles on your blog, I honestly like your way of blogging. I bookmarked it to my bookmark webpage list and will be checking back in the near future. Take a look at my website as well and let me know what you think.

Hello there, I do think your website could be having internet browser compatibility problems. When I look at your web site in Safari, it looks fine however when opening in IE, it has some overlapping issues. I simply wanted to provide you with a quick heads up! Other than that, fantastic site!

Way cool! Some very valid points! I appreciate you penning this post plus the rest of the site is also very good.

It’s hard to find well-informed people on this subject, however, you sound like you know what you’re talking about! Thanks

Next time I read a blog, Hopefully it doesn’t fail me just as much as this one. I mean, Yes, it was my choice to read, nonetheless I actually thought you’d have something useful to talk about. All I hear is a bunch of moaning about something that you can fix if you were not too busy seeking attention.

May I simply say what a relief to discover an individual who actually knows what they’re discussing over the internet. You definitely realize how to bring an issue to light and make it important. More and more people ought to read this and understand this side of the story. I was surprised you aren’t more popular given that you most certainly possess the gift.

After I initially commented I appear to have clicked on the -Notify me when new comments are added- checkbox and now whenever a comment is added I get 4 emails with the exact same comment. Perhaps there is a means you can remove me from that service? Thank you!

I’m impressed, I must say. Rarely do I come across a blog that’s equally educative and engaging, and let me tell you, you have hit the nail on the head. The problem is an issue that too few folks are speaking intelligently about. I’m very happy I stumbled across this during my search for something concerning this.

Right here is the right website for anybody who hopes to find out about this topic. You understand so much its almost tough to argue with you (not that I personally will need to…HaHa). You definitely put a brand new spin on a topic that’s been written about for ages. Wonderful stuff, just excellent!

I think that is among the such a lot vital information for me. And i’m satisfied reading your article. However wanna observation on some common things, The web site taste is wonderful, the articles is really great : D. Good process, cheers

I’ve learn a few excellent stuff here. Certainly price bookmarking for revisiting. I wonder how much effort you set to create this type of wonderful informative site.

This is the ideal blog site for anybody who wishes to find out about this topic. You realize so much its nearly tough to suggest with you (not that I really would want?HaHa). You definitely placed a brand-new spin on a topic thats been written about for several years. Fantastic stuff, simply excellent!

This is the right webpage for everyone who really wants to understand this topic. You know a whole lot its almost hard to argue with you (not that I personally will need to…HaHa). You definitely put a new spin on a subject that has been discussed for many years. Excellent stuff, just excellent!

Greetings, I do believe your site may be having web browser compatibility problems. When I look at your web site in Safari, it looks fine however, if opening in I.E., it has some overlapping issues. I simply wanted to provide you with a quick heads up! Other than that, fantastic site!

I absolutely love your site.. Great colors & theme. Did you create this website yourself? Please reply back as I’m planning to create my own personal blog and would like to find out where you got this from or exactly what the theme is called. Thank you!

Oh my goodness! Amazing article dude! Thank you, However I am experiencing difficulties with your RSS. I don’t know the reason why I cannot join it. Is there anyone else having similar RSS problems? Anybody who knows the solution will you kindly respond? Thanks!!

May I simply just say what a relief to find a person that truly knows what they’re discussing on the net. You certainly know how to bring an issue to light and make it important. A lot more people have to look at this and understand this side of your story. I can’t believe you are not more popular given that you certainly have the gift.

The very next time I read a blog, I hope that it doesn’t disappoint me just as much as this one. After all, I know it was my choice to read, however I actually believed you’d have something interesting to talk about. All I hear is a bunch of crying about something that you can fix if you were not too busy searching for attention.

Hello! I simply want to give you a huge thumbs up for your excellent information you have here on this post. I’ll be coming back to your website for more soon.

I truly love your site.. Great colors & theme. Did you create this website yourself? Please reply back as I’m looking to create my own personal site and want to know where you got this from or exactly what the theme is called. Cheers!

Nice post. I learn something totally new and challenging on websites I stumbleupon on a daily basis. It’s always useful to read articles from other authors and practice a little something from other web sites.

After I originally commented I appear to have clicked the -Notify me when new comments are added- checkbox and from now on every time a comment is added I receive four emails with the same comment. Perhaps there is an easy method you are able to remove me from that service? Cheers!

Oh my goodness! Incredible article dude! Many thanks, However I am experiencing issues with your RSS. I don’t know why I am unable to subscribe to it. Is there anybody getting similar RSS problems? Anyone who knows the solution will you kindly respond? Thanks!!

Hi, I do believe this is a great site. I stumbledupon it 😉 I’m going to come back once again since i have book-marked it. Money and freedom is the best way to change, may you be rich and continue to guide others.

Right here is the perfect site for anybody who wishes to understand this topic. You know so much its almost tough to argue with you (not that I really will need to…HaHa). You certainly put a fresh spin on a subject that’s been discussed for a long time. Great stuff, just excellent!

I have to thank you for the efforts you have put in penning this website. I’m hoping to check out the same high-grade blog posts by you in the future as well. In fact, your creative writing abilities has encouraged me to get my own blog now 😉

You made some decent factors there. I viewed on the net for the issue and located most individuals will support with your web site.

May I simply just say what a relief to discover someone who really knows what they’re discussing on the web. You actually know how to bring an issue to light and make it important. A lot more people must read this and understand this side of your story. It’s surprising you are not more popular given that you most certainly possess the gift.

Комментирования закрыты.