Landsbanki, Luxembourg
There has been a lively discussion on Icelog regarding Landsbanki, Luxembourg. For all of you interested in that matter, I strongly advise you to read it. I will take a better look at it myself in the coming days but here are a few issues touched upon:
Regarding Landsbanki operations:
The valuation that Landsbanki made of the properties – and then sudden drop in value just before the bank failed, is commented on by Sharon, a real estate agent in this area in France where many of the houses are.
Money was taken from accounts to buy Landsbanki bonds, even though the clients had it in writing that no investments were to be made without their approval.
Information of risk sent to clients after the loan was issued.
Serious lack of information and documentation, in addition to the questionable valuation, when the bank claimed the “security ratio” (the ratio between the loan and the collateral) had fallen and the clients was obliged to pay in order to address the shortfall.
Promises were made to make money available to clients but it seems that no money was forthcoming from Landsbanki – at least for some clients – already from July.
After the administrator took over:
In spite of investigations by the failed banks’ Icelandic resolution committees, ia Landsbanki’s ResCom, into the banks, the administrator in Luxembourg seems not to have undertaken any investigation, or at least that hasn’t been made known to clients.
Information from administrator to former clients on what they supposedly owe the bank does in many cases differ greatly from what the clients themselves see as possible but they don’t seem to be getting any explanation as to why there is this great difference.
—
These comments show that both regarding Landsbanki’s own operations and then the operation of the administrator there are serious issues to be addressed. There seems good reasons to question some legal aspects of the loans themselves – and then the administrator seems to have done a questionable job of dealing with the equity release loans. All this has been to a great distress for the clients involved.
For further information, here is an earlier Icelog on the nature of the equity release loans and Luxembourg.
Follow me on Twitter for running updates.
Yes Sigrun, there is a lot that should be looked at but has been conveniently ignored by those in power. Rest assured that the victims are fighting back and will not be silenced by threats from Luxembourg. We may be elderly but that wont stop us. We will see that justice will be done. Gradually the truth is coming out and it will sink these persecutors. It will be interesting to see if the “free” press have the guts to take up the baton.
nina foster
25 May 12 at 8:22 pm
Hello Sigrun,
I know you do your column very well and you did research deep in this case Landsbanki Luxembourg and I know too your officially column must be carefully done. You cause people to scrutinize the facts to get access to the whole picture of the mosaic of treatments of the bank and especially of the liquidator Hamilius that were received by the victims.
Since circa 2 month the most of the victims communicate with each other and your question become facts in the moment you see that the same treatment, the same behaviour, the same offer/ultimatum, the same figures, the same tactic were done to each victims. Landsbanki sold the LANDSFLOT 09 + LANDSFLOAT 15 to a lot of victims, also the same KAUPTHING BOND. Look at all victims’ account statements and you see the same fraudulent information. Look at the several lawsuits and the reply of Hamilius and you see the same tactically ignorance and irrelevancy of facts from side of Hamilius.
Your last column got a lot of response because the victims realise that there is not a single case but there is a big case with the same fraudulent structure and they are in between and not alone. That makes the victims furious- quit rightly.
How long does it take that the authorities wake up and realize that here Hamilius and the chief prosecutor do not a good job for the State Luxembourg. Until now the Government, the political parties, the ABBL, CSSF, etc and other authorities did not approach on this case to get more information, more clearness, more understanding what it means to the political situation. The Prime Minister of Luxembourg is present always in the TV regarding the EU Group and the financial disaster of Greek and EU. He must know what it means to get involved from “outside” in a terrible fraudulent maelstrom and to be caught up in a whirlwind of this activity. This silence is not a speechless with amazement it is a duck away and a hope that the other party will react at first. So the minimize their own risk of political damage. A typical reaction of politicians but not a help for Luxembourg because “your can destroy a man’s reputation also the reputation of a whole country in 2 seconds but it need years or decades to built it up again if ever — Henry Kissinger, Reason of Nations, –“
It is easy to listen to the victims if you have the ability to learn.
Gerald Flandrin
26 May 12 at 8:30 am
I heartily appalaude Gerald Flandrin’s comment. It is fair and true.
We are all in this together and have been treated abominably and with incredible arrogance as if Luxembourg can do as it pleases, when it pleases, wherever it pleases and there will be no reaction nor action from other countries.
The lawyers from other countries have been shown no respect as if they were defending Criminals.
We have been treated as criminal for 4 years.
Luxembourg protected Banks who should not have
been in business and gave them Priviledged Carte Blanche to do as they pleased and pillor anywhere in Europe outside Luxembourg.
The bullying tacticts used are digraceful and the people of Luxembourg should be made aware of what is being done in their name, across Europe.
The Banks may like it, but the customers do not.
The customer is the consumer and the bank cannot exist without the consumer.
How many homes does Luxembourg want to seize to cover the money they should never have given Landsbanki Luxembourg in the first place?
Landsbanki started the Equity Release schemes in order to secure an asset portfolio sufficiently large as to get big finance from the Luxembourg Government as they were already in liquidity problems starting in 2005 and by 2007 the problem was critical.
Why are we being punished for their gross negligence and jaw-dropping GREED and blaming everything on Iceland?
George Ward
26 May 12 at 9:31 am
I have over the last few weeks read with interest all the comments/discussions and whilst I am not personally involved with the Landsbanki scheme I am sure these are made from the basis of first hand knowledge. So many people cannot be wrong. Having said this it would appear to me that the Regulatory Authorities in both France and Spain have to get involved in much the same way as the FSA does in the UK. We through the Equity Release Victims Association in Spain are trying to do just that. We have in fact denounced a number of banks including Landsbanki, Nordea, Dansbank, Nycredit, who are/have been operating in Spain/Luxembourg to the Spanish Inland Revenue and will shortly be denouncing them to the Bank of Spain and CNMV and Insurance Regulator to rule on these schemes. I hate to say it but it appears that the only way out of this mess is court action either criminal or civil. It is up to the courts in each country to decide if these schemes sre legal and conform to each countries regulations. It matters not if Luxembourg feels that they are lawful. In Spain the only way to stop foreclosure proceedings is to issue a criminal complaint against the banks and if successful then the Contracts can be made null & void. I don’t know what the law is in France, however every time the Administrator tries to foreclose this should be seriously challenged. To put together one case and have the foreclosure stopped may be enough to demonstrate to the Administrator that you are not going to lie down and let it happen. We in Spain are fortunate to have a very dedicated lawyer (Antonio Flores)who is disgusted with the tactics of these banks and we will fight to the end. Sigrun’s ice blog has brought a lot of these issues to light through discussion and she is to be applauded for her investigative journalistic skills.
Ian Sherdley
26 May 12 at 11:10 am
Ian
We have process in France but it seems to be a tad complicated. There have been criminal proceedings against Landsbanki here which resulted in the surety payment of 50 million euro which is due to be paid at the end of this month. However it seems that civil cases can over ride criminal when it comes to repossession of houses, not sure why.
It appears however that Mme H appealed to the Luxembourg courts to overturn the French court decision as we understand it so we have here a situation of who is in charge, France or Luxembourg ?
nina foster
26 May 12 at 1:22 pm
Very strange, one would feel that as the criminal court is higher than the civil court, logically the criminal courts decision would take precedence. However as we know the laws in each member state can be very different. I hope all Landsbanki victims with foreclosure proceedings against them are successful in getting a stay on their properties until this mess is sorted out. It will be interesting to see if the court in Luxembourg can in fact overturn the ruling made by the French court, I cannot see it myself, however by the end of next week perhaps we will know. If there is anyone there who can clear up the law with regards to French foreclosure proceedings, I would be interested to know.
Ian Sherdley
26 May 12 at 2:37 pm
The reason there is a rash of foreclosures and properties are to be put up for auction by the Landsbanki administrator, is precisely because Luxembourg Law is being applied and Luxembourg Law is specially formulated to protect the Banks 100% and the consumer 0%!
Luxembourg Law was made for bankers by bankers Lawyers it is widely reported. Now we are seeing it put into action in Europe and I don’t think it’s going down very well.
The Spanish Judges in Civil Court Judged the Landsbanki Equity Release contract ‘nul and void’ as they were illegal.
The highest French Criminal Court has Landsbanki under Criminal indictment with the highest bail in the History of France which could never happen if there were not boxes full of hard evidence of fraud and abuse of confidence let alone the lack of proper licence in these countries.
In both Spain and in the Criminal Court of Paris Landsbanki is formally charged not only for fraud but for selling a product without the required licence.
However, the foreclosures and the auction proceedings simply continue as the administrator turns a blind eye to everything she does not want to see or hear.
Is there even one victim who has won a case in a Luxembourg Court against a Luxembourg Bank?
If so, please let us know as we have not heard of one.
George Ward
26 May 12 at 7:37 pm
To Whom It May Concern :
http://goo.gl/N4kVI
-> documents deposited in the rcsl.lu
I read some comments on this affair, but I must admit that I do not understand what exactly happened.
Could anyone make a brief chronological summary of the events and point out the underlying injustice.
fisec
27 May 12 at 10:07 am
Hello fisec. I couldn’t download the docs in the rscsl.lu site you lnked!
We have seen the skeleton of a time frame of Landsbanki operations post Bankruptcy which was circulated. I shall see if I can find it and put it on.
I suppose it has to be updated as everything changes so fast.One of the people in France whose home is seized are having compulsory auction proceedings on the 31st. Anyone know what’s happened with their deadline?
I don’t think there are any auction proceedings in Spain especially since the contracts were ruled illegal, but it’s difficult to understand what’s happening in France?
Rachael Ward
27 May 12 at 10:57 am
Hello fisec, As a group we are at our wits end and do not know which way to turn although we are made of strong stuff even is we are elderly. We will fight to the end to get justice for all our members. Time however is running out as Mme Hamilius is upping the game. Whilst we agree that we have borrowed sums from Landsbanki our main gripe is that they sold us basically an illegal scheme that was never tailored for our type of client. (Elderly, cautious and yes gullible)
Luxembourg has closed ranks and we think that most of the press are included in this. If you are interested in
detailed information on any number of case histories please do not hesitate to contact us via Sigrun who will forward your mail.
We have to be careful as we are frightened about recriminations from our persecutor.
nina foster
27 May 12 at 6:13 pm
Try this link:
https://hotfile.com/dl/156943254/4f527b5/DossierComplet_B78804.zip.html
It seems that actually these “equity release schemes” cause your trouble. So I guess it would be useful to post an anonymized version (without names or account numbers) of such e contract for better understanding.
I’m not a lawyer, but I guess you should choose also a good luxembourgish lawyer http://barreau.lu/ familiar with all the procedural details, if not already done so !
fisec
28 May 12 at 9:20 am
Fisec, There is a certain degree of mistrust among our members as to the independence of Luxembourg lawyers. We were all quite stunned when the Procurator waded into the fray when we sent out our press release at the beginning of the month.
Nina Foster
28 May 12 at 8:17 pm
To whom it may concern:
The equite release scheme was sold to me 3 weeks before the bank went into liquidation. Fleming Hansen informed me the day I was due to sign at the notary that the investment bond I had chosen ‘was no longer available’, he then proceeded to push me into buying a Landsbanki bond to the value of €100000. Within 3 weeks of me siging the bank went into liquidation and this bond was devalued down to €3000. Landsbanki then failed to transfer the agreed cash value for 3 weeks and tried to convince me to invest it via the bank, which I refused. I strongly believe that Fleming Hansen knew all along that the Landsbanki was in financial difficulty and sold me the Landsbanki bond fraudulently.
Anke Werner
11 Jun 12 at 7:38 pm
Anke, what happened to you is grotesque.
All of our group protesting against the Landsbanki administration for failing to investigate in any way the fraud and illegal manipulations of the bank, know of cases of people who became clients months before the bank crashed.
Some of these are having their homes auctioned.
The administrator has done nothing.
The judge who should be overseeing her has done nothing.
Luxembourg has done nothing
Luxembourg press has tried to avoid reporting the problem.
No administrator should allow fraud to be whitewashed.
You should be getting all your money back.
The victims of fraud should not be losing their homes.
The employees should not have been treated like garbage.
We should not have been treated like CRIMINALS.
This is a Luxembourg spectacle which will not be silenced . Europe is watching and learning more every day about what Luxembourg thinks it has the right to do in order to cover up criminal activity hiding behind Luxembourg handy packed Law, isn’t it?
Luxembourg is quick to attack and not so fast at fixing what they are responsible for.
This is not going to be silenced as those who have pretended nothing was wrong and thought no one would notice or care about what happened to a few hundred old people thought.
Anke, just remember you are not alone and that in the end justice and the truth always gets heard, even thought the power- hungry think they do not have to worry about ordinary people .
In Luxembourg they have a lot to learn about what is right and what is wrong and from all of us old folk, they can learn a lesson in COURAGE as they have behaved like Europe’s biggest COWARDS!
Charles
Charles
13 Jun 12 at 2:39 pm
I do so admire those of you who are prepared to inform other victims of your personal treatments at the hands of Hamilius the disgusting administrator of Landsbanki Lux. The reason I say this, is because of the knowledge that is filtering through, from other victims that we were not aware of untill recently, who, similar to Belinda and Frank Barlow in France, are being threatened beyond belief. Many victims are afraid to speak out, because of reprisals from the bullying cowards representing Landsbanki Lux.and that is understandable when you consider their ages and poor health condition.( A scenario that the bullying cowards thrive on ) I wrote on the Blog a short time ago that I could not believe then, that representatives of the people within the EU Government could turn a blind eye to what has and is happening regarding the actions of the Luxembourg administration towards the victims of Equity Release both in Spain, but particularly in France.I believe that finance by both government and individual investment, leads to the ignoring of ordinary peoples life theatening treatment by these criminals operating within the corrupt administration of Lands.Lux. The World fought against many things 75 years ago, including corruptness and evil and there are many evil governments to this day, treating people in terrible ways, many, of course, from the so called third world. However, we are led to believe that the Administration of Luxembourg, who pamper for financial reasons, the Governments of the rest of Europe are sophisticated and honest. There is so much evidence accumalating of Lawyers being gagged and facing reprisals if they dare to criticise the luxembourg government. The withholding of important documents required for possible court proceedings against them displays what lengths they will go to with utter disregard to honesty. Their arrogance is shamefull when it comes to defending their behavier. It is possible that an individual who has been treated extremely bad recently, will disclose exactly what he and hs family have been subjected to by the corrupt administration, to you all, via the Blog. I couldn’t criticise him if he didn’t, for fear of more threats , what they have endured is unthinkable. As one of our victims stated, we may be old, but it will not stop us fighting untill we are successfull in our campaign, the more information we discover,and the more we stick together here in Spain and France, the better chance we have of closing our cases sooner. Someone, who moves in higher circles, must put to one side the financial aspects,currently preventing them from making a legal decision, that will bring about a fair investigation to this disgusting affair. Even if they do not, we will be bringing our fight to their doors very shortly, have faith.
JOHN KOHLE
24 Jun 12 at 10:47 am
Luxembourg is run by some of the most corrupt evil people in the financial world who will stop at nothing to protect their vile ways.
Like Gadaffi/ Sadam and countless others they will eventually be toppled from their Ivory towers and we will not stop until that happens. There are 400 Landsbanki victims but I believe we are but just the tip of the iceberg as victims of fraud. We are gathering momentum and seismic changes are about to happen.
As they say watch this space.
Nina Foster
24 Jun 12 at 9:03 pm
I am posting news about an action in Spain against Danske bank concerning their equity release scheme. It seems that at last the authorities are starting to wake up to what has been going on in their back yard.
The pendulum is starting to swing in the direction of justice and it will not stop. Antonio Flores is the lawyer. The announcement reads :
Court in Fuengirola Agrees to Carry Out All Investigation Measures in Danske Bank Criminal Case
26th June 2012 by admin under Legal Action.
In spite of dismissing the case shortly after it had been submitted, Fuengirola Court of First Instance has now agreed to implement a number of fact-finding requests on behalf of Euan Armstrong, as petitioned by his lawyers, after the initial dismissal was appealed successfully at the Malaga Appeal Court.
According to the decision of the Appeal Court, the dismissal of the criminal case against Danske Bank was found to be contrary to law because it was redacted in a laconic format incompatible with the Constitutional Tribunal doctrine and did not deal with the matters raised.
The Court of First Instance has now agreed to the following requests petitioned by EUAN ARMSTRONG’s Counsel:
Summons ordering the following individuals to appear in Court to give a judicial statement: Mr. Peter Staarup, Mr. John Lundskov Larsen, Mr. Morten Runo Waaben, Mr. Henrik Hjerrild Hansen.
Summons ordering the legal representative of DANSKE BANK INTERNATIONAL S.A. to appear in Court to give a judicial statement, on account of its potential responsibility for payment of damages.
Summons ordering LCV, agent involved in the sale of Equity Release, to appear in Court to give a judicial statement, on account of its potential responsibility for payment of damages.
Order to DANSKE BANK SPAIN and DANSKE BANK INTERNATIONAL to disclose the following:
Type of relationship, employment or other, between DANSKE BANK and LCV.
If LCV was authorized by DANSKE BANK as a financial advisor, or commercial agent, and if so the type or nature of products sold on behalf of DANSKE BANK.
Remunerations during the period of relationship, whether in the form of commissions or benefits in kind, that may have been given by DANSKE BANK to LCV, through the network of offices in Spain.
Number of DANSKE BANK CAPITAL ASSURANCE policies or contracts signed in Spain, with reference to the age and profession of the clients of this product.
Destination given to the funds given to the DANSKE BANK by EUAN ARMSTRONG, in respect of the product called “Inverse Mortgage”.
Request to the Spanish Insurance Regulator (Direccion General de Seguros y Fondos de Pensiones), with a view to confirm whether a product known as DANSKE BANK CAPITAL ASSURANCE, consisting in an insurance policy sold as a financial product for the elimination or mitigation of Spanish Inheritance Tax, as well as Spanish Wealth Tax, has obtained administrative authorization to be sold to the public or, in any event, whether it is compliant with applicable legislation, specifically advising on its characteristics and if it is currently sold in Spain.
Witness Summons ordering the following to appear in Court to offer testimony:
C.D. (Daughter of Mr. Armstrong)
K.A. (Daughter of Mr. Armstrong)
Nina Foster
26 Jun 12 at 8:35 pm
This is exactly the same as Landsbanki Equity Release illegal contracts in the same way.
Rothschild Bank knew they had done wrong and settled discreet and friendly to preserve their name.
Danske broke the same laws as Landsbanki.
Enrico Suarez
26 Jun 12 at 9:26 pm
The next few weeks could prove to be very interesting for the victims as these bankers and administrators are dealt with.
Eventually the Courts in France and Spain will see that they are being taken for idiots by the Luxembourg lot and will begin to bring the perpetrators of this total injustice to book.
Stan
27 Jun 12 at 7:25 am
Why does Luxembourg ignore the serious evidence of manipulation of figures that the administration of Landsbanki Luxembourg has done for 4 years?
Is Baker Tilly who is said to be taking over from the appalling administration under Mme Hamilius going to continue with her Circus accounting resembling a Banana Republic ?
Is Baker Tilly going to do as the Luxembourg judiciary and ignore European Laws of Human Rights and rip off elderly pensioners , gag them and force them to give up their right to continue their very Criminal cases, under threat of losing their homes?
Is Baker Tilly going to dirty any reputation that might remain by following in such footsteps as that of an administration that completely ignores serious criminal charges in several European countries?
The Banking sector of Luxembourg seems to think it is above the law and all malpractices are permitted as their friends in the Judiciary are colluding and ignoring serious cases of abuse .
How can Luxembourg continue to seize old people’s homes , to threaten them , to make them pay back money which vanished from their accounts
And to force them under threat, to drop all the Criminal charges against them and the appalling, negligent and colluding administration?
Can Baker Tilly collude with the horrible inhuman, behavior of Mme Hamilius and her tough girls?
Well, they will become as infamous as Mme. Hamilius who will go down in history and who has disgraced Luxembourg and seriously damaged the reputation of this Bankers Paradise.
We are all watching Baker Tilly to see what they will do to those under threat, being blackmailed at present, due to the negligence of the administration of Landsbanki Luxembourg.
Alexander Edwards
28 Jun 12 at 4:46 pm
Someone told me Tilly did replace Mme Hamilius but she is telling him what to do. They say this in Spain, but someone said Mm Hamilius is still the one who orders.
Who is Tilly? Is it another Luxembourg woman or is it a man?
What does this mean?
Enrico Suarez
28 Jun 12 at 9:43 pm
Baker Tilly is a British International accounting firm.
They will follow Hamilius’ orders and continue exactly as she does, according to our lawyers.
No errors will be admitted apparently.
Looking at the scandal of mis-selling and fraud which is going on in the UK and the fact that there are at least 20 other International banks who will be investigated for fraud, one would have thought Landsbanki would take a closer look at what we, the consumers, have been saying for years.
The corrupt Banks are all being exposed and not even Mme Hamilius can silence what will be exposed in due course, as our lawyers are telling all of us.
It is a matter of time. This is why our lawyers are telling us to be patient.
Charles
29 Jun 12 at 1:44 pm
http://www.telegraph.co.uk/finance/yourbusiness/9365728/Firms-http://www.youtube.com/watch?v=TN_1mF-3JTI report this-horror-over-rate-swaps-scandal.html
This is what we are victims of.
Manipulation of figures and fraud along with gross mi-selling.
No wonder Mme Hamilius wants to blackmail us and gag us into signing transactions and dropping the serious CRIMINAL charges and above all, dropping any future charges against the Landsbanki Luxembourg administration!
No wonder the Barlows are desperate as their house is being auctioned as no bank gives a loan to old pensioners of 76 when all their documents say their only asset is seized and up for auction, do they?
The civil case in civil court , as we all know, does not look at the legality or the criminal aspect but only on the debt.
They have been asked by the bailiff on their doorstep for 2.4 million euros when they only took down 247.000 euros from early 2008 until bankrupt date!
We all know our lawyers are surprised this has been allowed to get this far.
Beware everyone as we are next even if Mme Hamilius is being replaced by Baker Tilly.
Luxembourg does not care about what is right or wrong as long as they grab the money whether there is manipulation of figures or not.
As for the Barlows, having examined their documents sent to some if us by the Landsbanki lawyers themselves, the whole thing is unbelievable and our lawyer even said it is difficult to understand how these people’s home could be seized and their rent seized etc. unless their French lawyer actually wanted them to lose?
Sorry But this is what is being said. I’m sorry F, but it is as if they wanted this to go as far as it gets. Of course no bank will give a loan if your docs say your home is seized and up for auction.
We are all so sorry for the terrible injustice you have been dealt, but some of our victims have paid with their lives as this torture has been too much to take, so please try to hold up your courage.
Charles
30 Jun 12 at 1:18 pm
Charles, I am not sure where you have the information about Baker Tilly but as far as I know there has not been an official notification from the administrators about this.
That said, I would expect, knowing Baker Tilly and their reputation that they will approach this task with the utmost professionalism. I do not think you should presume otherwise at this stage. They are an international company who I am sure will abide by European legal standards.
Let us hope that if it is Baker Tilly in charge that they will realise that this whole Ponzi like scam is just that and will approach our situation from that direction and realise that we are in fact creditors and not debtors. After all they only have to look at the facts.
Stan
30 Jun 12 at 6:29 pm
I think you’re right Stan.
I heard Mme Hamilius was still there and giving instructions to Baker Tilly who were taking over as her contract was not being renewed and had come to its term.
There are many of us seeing a variety of European bankers to try to find loans to pay back the bank and some of these bankers are already in contact with the administration as they are vouching for the loans they are providing the victims.
They have told their clients that they are dealing now with Baker Tilly but that they will follow Mme Hamilius’ orders especially in view of her power and connections in Luxembourg.
Not all the victims are in the Barlow situation where money disappeared from their account, nor the others of you who have been the subject of manipulation of figures and false accounting.
There are some of us who borrowed what Mme Hamilius is asking back +interest.
The luckier ones amongst us are managing to find loans to pay the demands but few can find them in the time scale.
Of course there is little hope of any bank providing a loan for people over 70 whose home is seized by Landsbanki!
Most of us are outraged at the way we have been treated and even if there are cases where the figures are right we feel we deserve damages for a.) the appalling way we have been treated
b.) the huge costs we have had to pay whilst Mme Hamilius got it wrong and ignored the fraud and manipulation of figures under her nose.
It was 4 years of getting it wrong and this has cost everyone a fortune, horrible stress, in many cases death and serious stress related illness and damaged the reputation of Luxembourg internationally.
I am sure Baker Tilly or whoever it might be, will be fully aware that they cannot be colluding with covering up crime and gagging the pensioners under duress.
Charles
1 Jul 12 at 9:05 am
[…] logs on Landsbanki Luxembourg are here and here, where I go more in detail through some of the topics related to Landsbanki Luxembourg and the […]
What sort of a country is Luxembourg? at Sigrún Davíðsdóttir's Icelog
6 Jul 12 at 7:37 pm
This message is to Mr. Anke Werner.
Dear Anke,
Would it be possible to contact you in order to get more information?
Kind Regards,
Helen
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