Home | Commentary | Counsel’s Corner: Look Out for Manufactured RESPA Lawsuits
Print This Post Print This Post

Counsel’s Corner: Look Out for Manufactured RESPA Lawsuits

Counsel's Corner
Kirby McDonough cropped

Kirby McDonough

J. Kirby McDonough is a member of Quarles & Brady's Commercial Litigation Practice Group, working out of the firm's Tampa office. His practice focuses on representing financial institutions and loan servicers in federal and state court matters involving disputes under various consumer protection laws. He recently spoke with DS News about the growing number of “manufactured” lawsuits claiming alleged RESPA violations that have sprung up in the wake of the decline in foreclosures—and how to prepare yourself to deal with these types of lawsuits.

Tell us about the wave of lawsuits around alleged RESPA violations.

As the economy continues to recover and foreclosures are declining, we've seen an uptick in lawsuits brought under the Real Estate Settlement Procedures Act (RESPA), surrounding insufficient responses to a Request for Information (RFI). Under RESPA, a borrower can send a RFI to their mortgage server to obtain information regarding the servicing of their loan. The spirit of this is really to protect the consumer so they can have open access to information regarding their loan. Of course, when there is a regulation promulgated for consumer protection, it can be abused, and we've seen a lot of abuse in the form of manufactured lawsuits and fabricated damages to bring a RESPA action. This is typically how it transpires: Instead of the borrower sending the RFI regarding their loan, borrower's counsel will send the RFI and demand that the response for the request be sent directly to the attorney. They will then immediately file a lawsuit and claim that the servicer provided an insufficient response to their RFI and the borrower has suffered actual damages for the postage and mailing of the RFI in addition to attorneys' fees for reviewing the insufficient response. The monetary damages related to postage are usually nominal; between $3 and $5.

This has become heavily contested throughout the country. There is a gray area when it comes to what actual damages are. Most courts have determined that postage and mailing could be actual damages but it has to derive from a RESPA violation. For instance, it has to be directly related to the insufficient response. The way that the regulation was supposed to work is, if the borrower had a question about their mortgage loan servicing, they could send an RFI to the loan servicer. If the borrower received an insufficient response, and then had to incur the cost of retaining counsel and sending follow-up correspondence, or was actually damaged by the response, they could pursue an action against the servicer for those damages. But what we've seen lately is a manufactured lawsuit where the attorney sends the RFI, the response goes directly to the borrower's attorney, and they're going to review the response irrespective of its sufficiency. The attorney then files a lawsuit based on the response. The problem with this is that the damages haven't incurred as a result of the insufficient response. The attorney was already retained, and the borrower isn't out of pocket any more money for the attorney reviewing the response.

Most courts have found that simply mailing the RFI cannot be actual damages because a RESPA violation has not occurred yet. Therefore, any expenses have not flowed from the RESPA violation. Likewise, courts have found that simply filing a complaint cannot be grounds for damages because then RESPA would essentially have built in damages. Most courts find that something more has to be done on the borrower's end. For instance, sending follow up correspondence regarding an insufficient response. In those instances, the nominal $3 for postage is enough to trigger actual damages.

The real gray area is whether simply reviewing the response can create actual damages. There are two theories. First, if the attorney mailed the RFI, and the attorney demands that the response be sent directly him him/her, then the attorney is going to review the letter irrespective of its sufficiency. Therefore, the damages, as in attorneys fees, did not flow directly from a RESPA violation. On the other side of this argument, borrowers' counsel will argue that the violation occurred the second that the servicer sent the insufficient response. Most courts agree with the former, and that simple review of the letter, without more, cannot create actual damages.

Is this a case of attorneys trying to find a loophole to collect more damages for an alleged RESPA violation?

I don't know that it's necessarily a loophole. There are plenty of good attorneys out there that are representing their clients and trying to legitimately find out information regarding the servicing of a loan. But you have a lot of attorneys doing what is right and you have a few bad apples that have capitalized on RESPA lawsuits and they are filing hundreds of these lawsuits throughout the country. Significantly, it doesn't appear that these bad apples are even interested in protecting their clients, because we are seeing a lot of form RFIs that are attached to the complaint. It's one thing to see form complaints throughout the country--there is no reason to reinvent the wheel on statutory violations. But a form RFI is particularly interesting because the questions related to each individual mortgage loan are not going to be the same. When you start seeing form RFIs coming in from the same attorneys, you should probably be suspicious and say look, are they really looking out for the interest of their client. If you delve in deeper and look at the RFI, a lot of times the requests will actually fall outside of the scope of RESPA.

There are certain things that servicers don't have to respond to. For example, if it's a vague or ambiguous request or if it has nothing to do with the servicing of the loan or if it's burdensome. You have 30 days to respond to an RFI. So if they're asking for every single document that has ever originated from this file, that is going to be tough to provide within a 30-day period. Moreover, you have to ask what the borrower really needs out of the request.

So for the few bad apples, yes these lawsuits are designed to create damages. The driving force behind these claims is the attorney fees provision. Most borrowers that file a claim are in default and are represented by counsel for another purpose such as loan modification or foreclosure defense.  A lot of times they'll file these in small claims courts or county courts and they're just hoping that the servicer will settle. There have been a few mortgage servicers out there that have fought these and have removed them to federal court, because it is a federal statute and you have the ability to do that. They have started taking these attorneys to the mat, because it's one thing to settle for $2,500 or $3,500 here and there, but if your company gets 100 of these, it really starts to add up, and sometimes it's worth the fight to set good legal authority so that you don't have to worry about these in the future. You also don't wont to be perceived as a pushover or settlement mill. Trust me, the borrower's counsel knows every servicer that will roll over for nominal settlement. This has to effect their decision of whether or not to file the lawsuit.

What is the defense against this, and what should people look out for?

Servicers need to set up regulatory protection. If you get an RFI, you have five days to acknowledge it. Most servicers have a regulatory department that this goes through. You then have 30 days to gather the necessary information and provide a response. As explained earlier, there are exemptions to RFIs and the request has to be within the scope of RESPA. There's no way to prevent the manufactured lawsuit, because they are designed to be filed no matter how great your response to the RFI may be. But there are good ways to defend these lawsuits. If you are served with a Complaint, check to see if the borrower is also in foreclosure. I think it is pertinent to know whether the information  they are asking for now could have been asked for during discovery in the foreclosure action. More importantly, see if this information was already provided to the borrower in discovery in the foreclosure action. It would be really hard to argue that they needed the information requested. In fact, duplicative requests are exempted from a response.

If you cannot prevail on a motion to dismiss, and you are forced to proceed with litigation, step number one is to depose the borrower as soon as possible and figure out what they are really looking for and why they sent the letter. Find out when they retained the attorney and how much they are paying the attorney. What you'll find out a lot of the time is the borrower has no idea what's in the letter, they have no idea what was in the response to the letter, they have no idea how the response was insufficient, and they've actually spent no additional money paying their attorney. A lot of these borrowers have actually hired their attorney for foreclosure defense and/or loan modification purposes and they are paying a monthly flat fee which never goes up. So they've accrued no actual damages arising from the response to the RFI. In many cases, you'll find that this was the attorney's idea to send the RFI, and the borrower simply cannot explain how the response was insufficient.

About Author: Brian Honea

Brian Honea
Brian Honea's writing and editing career spans nearly two decades across many forms of media. He served as sports editor for two suburban newspaper chains in the DFW area and has freelanced for such publications as the Yahoo! Contributor Network, Dallas Home Improvement magazine, and the Dallas Morning News. He has written four non-fiction sports books, the latest of which, The Life of Coach Chuck Curtis, was published by the TCU Press in December 2014. A lifelong Texan, Brian received his master's degree from Amberton University in Garland.


  1. Pingback: Counsel’s Corner: Look Out for Manufactured RESPA Lawsuits - Appraisal Buzz

  2. Pingback: Counsel’s Corner: Look Out for Manufactured RESPA Lawsuits - Brokers TitleBrokers Title

  3. Pingback: 4cyn5et4m5t94c5t9m4vn54cx65

  4. Pingback:

  5. Pingback: alcohol allergy

  6. Pingback: دانلود شهرزاد قسمت هفتم فصل دوم

  7. Pingback: دانلود شهرزاد قسمت هشتم فصل دوم

  8. Pingback: دانلود شهرزاد قسمت نهم فصل دوم

  9. Pingback: قیمت پنجره

  10. Pingback: lesbian sex

  11. Pingback: دانلود قسمت ششم فصل دوم شهرزاد

  12. Pingback: دانلود قسمت دهم فصل دوم شهرزاد

  13. Pingback: دانلود قسمت دوازدهم عاشقانه

  14. Pingback: Lucia Fernandez

  15. Pingback: Ana Foxxx

  16. Pingback: Isis Love

  17. Pingback: Christy Mack

  18. Pingback: Angela White

  19. Pingback: dolandirici

  20. Pingback: دانلود قسمت هفتم فصل دوم شهرزاد

  21. Pingback: April O'Neil

  22. Pingback: Free Stuff Worldwide

  23. Pingback: lesbian porn

  24. Pingback: play real money casino games online

  25. Pingback: online movies

  26. Pingback: دانلود سریال عاشقانه

  27. Pingback: دانلود قسمت اول شهرزاد دوم

  28. Pingback: پنجره

  29. Pingback: Hundeskove i Midtjylland

  30. Pingback: دانلود قسمت 11 شهرزاد 2

  31. Pingback: دانلود قسمت پنجم شهرزاد دوم

  32. Pingback: دانلود ققسمت 12 عاشقانه

  33. Pingback: Brakhage

  34. Pingback: videos porno

  35. Pingback: titleist ap2 australia

  36. Pingback: porno gratis

  37. Pingback: videos porno

  38. Pingback: videos porno

  39. Pingback: porno gratis

  40. Pingback: videos porno

  41. Pingback: videos porno

  42. Pingback: videos porno

  43. Pingback: porno

  44. Pingback: پنجره دوجداره وین تک ویستابست

  45. Pingback: دانلود قسمت هفدهم عاشقانه

  46. Pingback: signs an pisces man loves me

  47. Pingback: شرکت تولیدی پنجره

  48. Pingback: دانلود سریال عاشقانه

  49. Pingback: Facial Spa Services Pembroke Park

  50. Pingback: Acne Facial Treatments North Lauderdale

  51. Pingback: Facial Spa Services Fort Lauderdale

  52. Pingback: Facial Spa Services Pembroke Pines

  53. Pingback: Acne Facial Treatments Plantation

  54. Pingback: groin wrap support

  55. Pingback: فروش توری پنجره دوجداره

  56. Pingback: دانلود موزیک

  57. Pingback: دانلود قسمت پنجم شهرزاد

  58. Pingback: oral

  59. Pingback: cheap jordans

  60. Pingback: kinesphere

  61. Pingback: jake burgess springfield mo

  62. Pingback: Bandar Bola

  63. Pingback: male speedo

  64. Pingback: bitcoin hft

  65. Pingback: coin-banks trading

  66. Pingback: coin-banks bitcoin

  67. Pingback: Porn

  68. Pingback: coin-banks bitcoin

  69. Pingback: دانلود قسمت هشتم شهرزاد دوم

  70. Pingback: mdansby

  71. Pingback: en visitant le site

  72. Pingback: Vigra master funciona

  73. Pingback: download

  74. Pingback: anime

  75. Pingback: vpm

  76. Pingback: ping g30

  77. Pingback: پنجره

  78. Pingback: دانلود شهرزاد قسمت 15

  79. Pingback: Accounting firms in chicago

  80. Pingback: Strasbourg tourist guide

  81. Pingback:

  82. Pingback: vpn

  83. Pingback: casino online

  84. Pingback: zobacz

  85. Pingback: pig toys

  86. Pingback: Alice

  87. Pingback: دانلود شهرزاد قسمت 16

  88. Pingback: Long Island Roofing

  89. Pingback: air conditioner repair

  90. Pingback: دانلود قسمت دوم سریال عالیجناب

  91. Pingback: 食品

  92. Pingback: دانلود فیلم

  93. Pingback: دانلود فیلم

  94. Pingback: build muscle

  95. Pingback: دانلود سریال عالیجناب قسمت اول 1

  96. Pingback: fix teeth tmj


  98. Pingback:

  99. Pingback: saiba como consultar cpf

  100. Pingback: Cheap marquee hire London

  101. Pingback: auto electrical repair shop near me

  102. Pingback: آموزش پنجره دوجداره

  103. Pingback: قیمت پنجره

  104. Pingback: فروش توری پنجره دوجداره

  105. Pingback: House Cleaning copperas cove TX

  106. Pingback: save money

  107. Pingback: promo codes

  108. Pingback: Limousine Vancouver BC

  109. Pingback: rhymes for kids

  110. Pingback: sell home

  111. Pingback: دانلود فیلم سریال ایرانی

  112. Pingback: دانلود فیلم

  113. Pingback: buy home

  114. Pingback: دانلود فیلم

  115. Pingback: پنجره

  116. Pingback: پنجره دوجداره

  117. Pingback: how to buy bitcoin

  118. Pingback: ключар

  119. Pingback: Paw patrol

  120. Pingback: پنجره دوجداره

  121. Pingback: back to school

  122. Pingback: پنجره دوجداره

  123. Pingback: پنجره دوجداره

  124. Pingback: geek

  125. Pingback: شرکت تولیدی پنجره دوجداره

  126. Pingback:

  127. Pingback: SEO Services London

  128. Pingback: buy recreational weed online

  129. Pingback: motorhome hire

  130. Pingback: Mitch McConnell

  131. Pingback: handicap bola

  132. Pingback: walmartone login

  133. Pingback: garden bridges los angeles

  134. Pingback: he said

  135. Pingback:

  136. Pingback: Agen Judi Indonesia

  137. Pingback: download gaple game

  138. Pingback:

  139. Pingback: high flow showerhead

  140. Pingback: The 2 Week Diet System

  141. Pingback: army boots for deployments

  142. Pingback: tempat aborsi

  143. Pingback: private proxies

  144. Pingback: ed sheeran songs list

  145. Pingback: download best

  146. Pingback: cheap jordans shoes

  147. Pingback: window

  148. Pingback: window

  149. Pingback: دانلود

  150. Pingback: Yakima Web Design Company

  151. Pingback: Learn Colors with Songs

  152. Pingback: instagramda sex izle

  153. Pingback: Bad Spiderman

  154. Pingback: پنجره

  155. Pingback: drop shipping business for sale

  156. Pingback: پنجره

  157. Pingback: not�cias

  158. Pingback: قیمت پنجره دوجداره

  159. Pingback: top 40 music

  160. Pingback: Web Design

  161. Pingback:

  162. Pingback: Ed

  163. Pingback: how to start a vlog

  164. Pingback: Learn colors

  165. Pingback: Online sports betting malaysia

  166. Pingback: osito de goma de gelatina

  167. Pingback: usi tech presentation

  168. Pingback: gay porn

  169. Pingback: Streptococcus agalactiae Symptoms

  170. Pingback: Nikon D5300 Price in india online

  171. Pingback: clique aqui

  172. Pingback: live sex cams

  173. Pingback: Low cost Bathroom remodeling contractor San Bernardino CA

  174. Pingback: maintenance

  175. Pingback: casinos online for money

  176. Pingback: دانلود فیلم

  177. Pingback: karajupvc

  178. Pingback: influencer

  179. Pingback: Cash Offer

  180. Pingback: window

  181. Pingback: پنجره

  182. Pingback: دانلود

  183. Pingback: دانلود

  184. Pingback: tablestacas

  185. Pingback: garden bridge

  186. Pingback: seo company jacksonville

  187. Pingback: commercial real estate wordpress themes

  188. Pingback: Self Storage Units and Facilities in Ridgewood

  189. Pingback: paving

  190. Pingback: Jesse

  191. Pingback: Self Storage Units and Facilities in Mills Pond Park

  192. Pingback: watch movies online

  193. Pingback: Easiest Way To Make Money

  194. Pingback: personnel consultant

  195. Pingback: Redhead Russian Teen Creampie Orgasm in a Full Doggy

  196. Pingback: simple songs

  197. Pingback: buy hacklinks

  198. Pingback: vape pen starter kit with juice

  199. Pingback: Elvis Presley Live

  200. Pingback: buy cheap hacklinks

  201. Pingback: دانلود فیلم نهنگ عنبر 2

  202. Pingback: learn colors for kids

  203. Pingback: test bank go

  204. Pingback: Judi Online

  205. Pingback: payday loans

  206. Pingback:

  207. Pingback:

  208. Pingback: sports grip training socks

  209. Pingback: ship my car

  210. Pingback: online auction

  211. Pingback: Web Site

  212. Pingback: love compatibility between a libra man and pisces woman

  213. Pingback: پنجره دوجداره

  214. Pingback: دانلود فیلم رایگان

  215. Pingback: دانلود سریال شهرزاد

  216. Pingback: headhunter

  217. Pingback: دانلود فیلم دوبله شده

  218. Pingback: car seat accessories

  219. Pingback: billboard

  220. Pingback: Baby breastfeeding cover

  221. Pingback: widowmaker porn

  222. Pingback: Baby breastfeeding cover

  223. Pingback: Limos Bus Vancouver BC

  224. Pingback: Outlet Canada Goose

  225. Pingback: Online Live Casino Malaysia

  226. Pingback: dealfeed

  227. Pingback: Judi Bola Dunia Online

  228. Pingback: Locksmith

  229. Pingback: Deal Feed

  230. Pingback:

  231. Pingback: porn movie

  232. Pingback: navigate here

  233. Pingback: game hack

  234. Pingback: دانلود

  235. Pingback: game free

  236. Pingback: this is a good site

  237. Pingback: news


  239. Pingback: buy hacklink

  240. Pingback: pirater un compte facebook

  241. Pingback: Buy illegal backlinks

  242. Pingback: Nursery Rhymes

  243. Pingback: USAA Bank

  244. Pingback: Oddsmonkey

  245. Pingback: Kinder Surprise

  246. Pingback: singapore corporate gift

  247. Pingback: Oddsmonkey

  248. Pingback: WEB DESIGN PELATES

  249. Pingback: Oddsmonkey

  250. Pingback: Oddsmonkey

  251. Pingback: Oddsmonkey

  252. Pingback: Oddsmonkey

  253. Pingback: zenofem

  254. Pingback:

  255. Pingback: Baby breastfeeding cover

  256. Pingback: دانلود فیلم رگ خواب

  257. Pingback: bitcoin exchange rate

  258. Pingback: دانلود فیلم نهنگ عنبر 2

  259. Pingback: avakin life hack download

  260. Pingback: Buy illegal backlinks

  261. Pingback: smart glass

  262. Pingback: رگ خواب

  263. Pingback:

  264. Pingback: cases accessories

  265. Pingback: Walsh

  266. Pingback: Radhe Maa

  267. Pingback: check this out

  268. Pingback: news about dileep

  269. Pingback: Bitcoin

  270. Pingback: walmartone

  271. Pingback: 170ml Real Sex Lube for Tenga Hole Male Masturbator

  272. Pingback:

  273. Pingback: poker

  274. Pingback: Arvind Pandit

  275. Pingback: old computer recycling

  276. Pingback: computer equipment disposal

  277. Pingback: free porn tube

  278. Pingback: Los Angeles Seo Services

  279. Pingback: disposal of computer equipment newbury

  280. Pingback: Tu Aashiqui

  281. Pingback: please click the next internet page

  282. Pingback: Yahoo Finance

  283. Pingback: see

  284. Pingback: read more

  285. Pingback: verificare aer conditionat

  286. Pingback: flexispy

  287. Pingback: arriba españa

  288. Pingback: Peter Schatzberg Florida

  289. Pingback: Daniel

  290. Pingback: credit repair ebook

  291. Pingback: porn city

  292. Pingback: Yöresel Antep

  293. Pingback: programa de ventas

  294. Pingback: pirater un compte facebook

  295. Pingback: WoW classic discord

  296. Pingback: Professional Ant Control

  297. Pingback: air conditioners 9.000 - 12.000 btu quick installation

  298. Pingback: momschips

  299. Pingback: google cheat

  300. Pingback: michael kors bags

  301. Pingback: progressive car insurance quotes

  302. Pingback: discounts

  303. Pingback: eico car insurance quote

  304. Pingback: michael kors handbags outlet

  305. Pingback: Bucuresti nunta

  306. Pingback: get a medical marijuana card online in Santa Barbara

  307. Pingback: iced tea

  308. Pingback: gift boxes

  309. Pingback: bici elettrica piaggio prezzo

  310. Pingback: Hayward california medical marijuana cards renewals online

  311. Pingback: Love

  312. Pingback:

  313. Pingback: christian louboutin australia

  314. Pingback: vip financial education

  315. Pingback: Pinganillos para examenes

  316. Pingback: personal injury lawyer

  317. Pingback: anthony morrison

  318. Pingback: wholesale iphone cases

  319. Pingback: glass coasters stainless

  320. Pingback: Flights to London Gatwick

  321. Pingback: safe porn sites

  322. Pingback: homemade porn sites

  323. Pingback: animals

  324. Pingback: downloadfacebook html code

  325. Pingback: porno

  326. Pingback: buy instagram porn

  327. Pingback: vakantiewoning winterberg kopen

  328. Pingback: watch movies online

  329. Pingback: crypto currency

  330. Pingback: escorts madrid

  331. Pingback:

  332. Pingback: buy gynexol

  333. Pingback: womens black nike trainers

  334. Pingback:

  335. Pingback:

  336. Pingback: the last of us download pc windows 8

  337. Pingback: best free porn

  338. Pingback: پنجره upvc

  339. Pingback: shemale porn

  340. Pingback: Jeux Kizi

  341. Pingback: professional link building services

  342. Pingback: ladyboy porn

  343. Pingback: SEO marketing1on1 link

  344. Pingback: michael kors australia official

  345. Pingback: buy blueray porn hd

  346. Pingback: fashionforbaby shop


  348. Pingback: car rental cordoba

  349. Pingback: Sexy Token

  350. Pingback: walmartone

  351. Pingback: mobile phone accessories

  352. Pingback: walmartone

  353. Pingback: income opportunities

  354. Pingback: read this post here

  355. Pingback: GEARS IPTV

  356. Pingback: navigate to this web-site

  357. Pingback: walmart1

  358. Pingback: you can try this out

  359. Pingback: top article

  360. Pingback: home

  361. Pingback: click here for more info

  362. Pingback: check my site

  363. Pingback: look at this web-site

  364. Pingback: Umbrella Stroller

  365. Pingback: fake gucci belt

  366. Pingback: excel guide

  367. Pingback: Darwin Horan

  368. Pingback: gracebabystore store

  369. Pingback: linux dedicated servers

  370. Pingback: wedding dresses

  371. Pingback: دانلود اینه بغل

  372. Pingback:

  373. Pingback: best fitness watch

  374. Pingback: money

  375. Pingback: Vancouver BC

  376. Pingback: Websocket libraries and resources 2018

  377. Pingback: wordpress support

  378. Pingback: inspirational podcast

  379. Pingback: sleep salon

  380. Pingback:

  381. Pingback: lee's summit attorney

  382. Pingback: drone-works

  383. Pingback: eget casino

  384. Pingback: low cost insurance

  385. Pingback: jake burgess

  386. Pingback: big farm mobile harvest hack

  387. Pingback: I was reading this

  388. Pingback: debt attorney

  389. Pingback: how to make money with graphic design online

  390. Pingback: Lotto Dominator Formula

  391. Pingback: thc oil side effects

  392. Pingback: בית מזוזה בלוד

  393. Pingback: cannabis oil how to make

  394. Pingback: missionary

  395. Pingback: coupon code

  396. Pingback: Surrey Limo

  397. Pingback: xbox codes

  398. Pingback: Home insurance quotes

  399. Pingback: Recommended Reading

  400. Pingback: usaa house insurance

  401. Pingback: Los Angeles Escorts

  402. Pingback: Progressive car insurance quotes

  403. Pingback: geico auto insurance

  404. Pingback: xyz軟體王

  405. Pingback: wedding dresses Toronto

  406. Pingback: communication

  407. Pingback: Longchamp Outlet Online

  408. Pingback: Pop Beats for Sale

  409. Pingback: Sellanymobile

  410. Pingback: best payday loan websites

  411. Pingback: mp3

  412. Pingback: Bitcoin

  413. Pingback: boiler repair paddington

  414. Pingback: gravity vortex

  415. Pingback: Bitcoin

  416. Pingback: Sunglasses

  417. Pingback: he said

  418. Pingback: Buy Viagra Online

  419. Pingback: over here

  420. Pingback: Baixar provas

  421. Pingback: buy china goods

  422. Pingback: emp jammer

  423. Pingback: Manga

  424. Pingback: Technologia

  425. Pingback: push-up

  426. Pingback:

  427. Pingback: Oakley Sunglasses Cheap

  428. Pingback: dating

  429. Pingback: ice totally gaming

  430. Pingback: Office website

  431. Pingback: אטליז רמת גן

  432. Pingback: xyz大補帖

  433. Pingback: get free psn code generator

  434. Pingback: ERP Navision

  435. Pingback: دانلود شهرزاد سوم

  436. Pingback: casino

  437. Pingback: quote home insurance


  439. Pingback: cheap oakleys

  440. Pingback: For More Info

  441. Pingback: animal porn

  442. Pingback: black gay porn

  443. Pingback: unleash the power within London

  444. Pingback: instagram hack

  445. Pingback: Motor Club of America

  446. Pingback: personalised embroidered clothing

  447. Pingback: mc donalds gutschein

  448. Pingback: eye doctor

  449. Pingback: lainaa 1000

  450. Pingback: Twitter sign in

  451. Pingback: Read More Here

  452. Pingback:

  453. Pingback: publix oasis

  454. Pingback: Facebook Sign In

  455. Pingback: a fantastic read

  456. Pingback: emergency plumber ealing

  457. Pingback: شهرزاد فصل سوم قسمت دوم

  458. Pingback:

  459. Pingback: instagram hack 2

  460. Pingback: 192.168.l.l

  461. Pingback: dyke

  462. Pingback: boiler repairs st johns wood

  463. Pingback: best porno

  464. Pingback: دانلود سریال شهرزاد قسمت سوم

  465. Pingback: Visit This Link

  466. Pingback: دانلود شهرزاد

  467. Pingback:

  468. Pingback: دانلود سریال شهرزاد سوم

  469. Pingback: acid reflux throat

  470. Pingback: transfer services

  471. Pingback: melasma pregnancy

  472. Pingback: stick games

  473. Pingback: progressive log in

  474. Pingback:

  475. Pingback: red bottoms melbourne

  476. Pingback: cara bermain judi dadu android

  477. Pingback: Heizung

  478. Pingback: Brandi Love Rebel Lynn Moms Teach Sex

  479. Pingback: How to increase sex stamina


  481. Pingback: شهرزاد

  482. Pingback: look what I found

  483. Pingback: HOME&GARDEN

Leave a Reply

Scroll To Top