Crouchie's Lawyer

Ah, reminds me, I was going to mention this point too. Like Chinese new year, ok, so not a religion as such, but its embraced over here. The only complaints which are made about it are from old bid's moaning about the fireworks.

Which is why I said not a cue to open a can of worms. This is something which upsets me too. As a whole, traditionally, the UK is Christian based. I have nothing against the diversification of the UK, and welcome it to some degree, however, when they make rules up like this to pander to the insane few of the minorities, it is going too far. I expect most non-Christians would not blink an eye at seeing a Christmas tree, let alone be offended or complain. So why do it?

This is not a cue to open up a can of them there worms, but going on from the Lounge's PC thread, I thought we could have our own TMS one. What things have been rid/changed due to the PC brigade, which you feel should have been left alone? I am not sure if these are rumours or indeed true, so please dont jump on them, acusing me of reading the Daily Mail too much. Bar bar black sheep: apparently this has now been changed to bar bar white sheep? Anyone with kids able to confirm this? Black boards, now being called chalk boards, or such? Again, Im sure a teacher or parent could confirm this? Any others?

Okay, maybe give this one a miss then!

Nope, nope I havent quite managed it, even with my super spamming powers. Its probably not even possible TBF. God.Im.So.Bored

Is it different with motorbikes then?

Henry Westons cider is very strong and very nice too. But I agree StB, Pear cider is the future!

Ok, could go either way, but Im sure it will cure boredom. On the main site page, it shows all the different forums on SWF, with the most recently commented on thread, and who it was that commented on it. Whoever decides to take this mission, must contribute to a thread on each site (meaning they are the last person to do so and will appear on the front page) but have every forum shown with their name as the last person who contributed to it. Not sure if it is possible, however I would suggest you do the main forum last, as this will change quite quickly. The post has to be relevant to the thread too, so you cant just spam the thread. Photo evidence is requires so possibly press 'print screen' and copy and paste it to a picture (like http://www.tinypic.com or the like). The person who achieves it, can then set the next mission. I wont hold my breath

Maybe a poll could be conducted in each forum whereby the views of the paid up members could be sort? I would welcome an increase in posts or the non members able to start new threads or something to stimulate more debate etc. Afterall, as far as I am aware, its only members who can vote in a poll, so you will be getting results from the people who you think may not be too happy about changes being made. Must like SFC with their season tickets, not reducing the prices of the general sale tickets to pander to the season ticket holders thoughts, is actually determental to the club. I dont think Lowe appreciates that there are a lot of ST holders which would happily accept the general price reduction of tickets if it meant more fans, more support, more money and possibly better players due to this. Likewise, I would be very surprised if many people having paid their £5 would be bothered if the registered users got a few extra benefits. After all, it would benefit the full members who would have extra conversation?

But, had anything else changed? Did you past a significant insurance age, like 25? Removing or adding anyone to the policy? Was it a renewal with the same firm or did you shop around? Had you previously had an accident which was over 5 years old now? Or previous speeding penalties which grew out of date in insurance terms? All of these could have resulted in your premiums reducing more so than the increase in the 6 points? Although getting 6 points in 3 months, I am quite surprised you werent bent over by the insurance companies?!

I bet she gushes when she see's you have added her as a friend!

Quite possibly yes. However, it depends on which system lenders use. I know a lot of mortgages dont show on Equifax, so most lenders use Experian checks and dont even bother with Equifax. Equally, some stuff doesnt show on Experian, but does on Equifax.

Equifax maybe slightly different to Experian. In terms of what I used to look at when brokering a mortgage, I would get a copy of experian. It would show the conduct of the clients payments for any credit for the last 12 months. It would give you an indicator, as to what the worst state of the account was in the last 36 months though. For example. Joe Bloggs Credit Card Balance £1000 Limit £2000 Conduct 000000000000 (the 0's indicate no missed payments) Last 36 months 0 If John Smith who missed payments on his credit card were to undertake an experian report, it would show something similar to the below: Conduct 433322101021 Last 36 months 4 If you could see the other 24 months as part of the conduct (which I believe you do with Equifax) and the 'last 36 months' figure was, say 6, you would expect to see the missed payments go up to 6, for example below: 321000001010210006543210101021033221 The 6 basically dentotes that the worst state the account has been in is 6 months arrears. In terms of lending (and this all may change now as a result of the credit crunch) lenders really only concern themselves with IVA's, Bankruptcy, Arrears on mortgage (or current arrears on credit cards and loans and hire purchase etc), CCJ's and defaults. Unless your 'credit score' was pretty poor, I would be surprised if lenders would decline you on the basis of a few missed payments from over a year ago, and generally, if you have kept on top of your credit since the missed payments over a year ago, you should have 'repaired' your credit score by a years time anyway.

thinking this picture needs it own thread???

I was thinking the same thing??

My god the rumours of a David Dickinson / Tango Man love child are true!

You could do that if a) you knew what you were looking for (which if you did, it shows you have a detailed knowledge of financing issues and it has to be questioned why you are in such financial difficulties) and b) you could find a solicitor qualified who specialises in this practise. Its not something which any solicitor would be very knowledgable in. Besides, by cutting out the middle man, you are likely to increase the costs as you stand a better chance finding out before it goes to the expensive solicitor if you use a company who can do it for you. I agree, the CAB are free and yes they will give you advice, but from my experience, the CAB's advice is often not the best advice for the customer. An example being I had a client with a credit card he had missed payments on, they credit card company were on the verge of giving him a CCJ. Other than the missed payments on the credit card (which stay on your Experian credit file for 12 months) they credit file was fine. I suggested a remortgage to incorporate the credit card debt and would have saved the client a few hundred pounds on their outgoings. The client went to the CAB and the CAB told the client not to remortgage and to just pay £2 p/m on their credit card. The client got a CCJ and consequently their credit file is impared for 6 years. They came back to me 6 months later wanted to take advantage of the remortgage I offered, but because they listened to the CAB and their credit file was now in a mess, I couldnt help them. They will struggle to get a mortgage for the next 6 years due to the advice the CAB gave them. Oh and the CCJ is secured against the property too. Its a common misconception that the CAB is the be all and end all of financial advice. The way I look at it, is unless you have a financial qualification, should you really be giving financial advice to people? IMO for the (financial side of the) CAB to work, they need to make it into a financial advice centre of some kind. Get the volunteers/workers to study CeMAPS of their FPC's so they are fully qualified. Dont get me wrong, the CAB are very good at all other areas, but IMO when it comes to finances, its best to leave it to the people who are qualified. I am not 'hard selling' this idea at all ESB, I may no gain out of it what so ever. My point is, that I wanted to highlight this concept to people who were not aware of it, in the hope that it could help someone who is struggling. If its not for you, then fine, your choice, I expect you are fairly well off ESB and Benji and you have no significant debts, you are only giving your opinion, and I feel it maybe one sided. If on the other hand, you were on the bread line and struggling, Im sure you would be willing to try anything within reason to help your situation out. As I said, Im only bringing this to the attention of people who were not aware of it.

What about this one?

Normally you are a c*nt, but that was very funny. I lol'd

And you have just proved that her 'illness' is infact that she is just a s|ut. If it were an illness, she would have accepted the lot of friend requests and diarised them accordingly. All attention seeking IMO. I would be surprised if she has slept with more than 100 people.

Atticus crossed with Tiggs. Now that be one ugly mother f*cker

Can i have this made into my avatar please? ta

No offense ESB but you are the voice of the niave. This is not an attack on you, it is common for people not dealing with finances day in day out to think that the CAB is a fully safeguarded route to take. In essence the CAB is made up of inexperienced volunteers. No real training is required to become an advisor in the CAB and certainly no qualification which I am aware of. Now, in terms of surgery, who would you rather operated on you? A qualified surgeon or a bloke who can read a book on how to do it? Written by someone else. Debt management plans (which is 99.9% of the time what the CAB recommend) only works if the lender is onside with the idea. Sure they may play along for a few weeks or if you are lucky a month or two, but eventually, they will want their money and as Panorama just showed, a lady whose step father was sectioned under the mental health act was refused a 'payment break' of 3 months. Again, not a personal attack but anyone who would chose an IVA or bankruptcy over any other option is financially retarded. IVA companies have pounced on the little known bit of govt legislation which enables them to wipe off a large portion of the debts in 5 years, however what they fail to tell people or highlight is the severity of what it does to your credit file. Kiss goodbye to getting a mortgage in the next 10-15 years. Just before the credit crucnch hit and the UK sub-prime companies were lending to the most risky of clientelle, an IVA was considered as serious (and some companies considered it more serious due to the fact it was relatively 'new') as bankruptcy. Its all too easy to make yourself bankrupt and enter into an IVA nowadays, but most people only look at todays gain and dont think of tomorrows costs. This route, if successful, will not in any way affect your credit rating. The debt is legally classed as unenforcable, which in essence means the company who provided the loan or credit card f*cked up the agreement, so nothing is registered against you. On top of this. If successful, will not COST you a penny. If I have £20k of unsecured debt and this process left me with only £5k. I have SAVED £15k, irrespective of whether the company who did it made £500 or £5000 from it so I do not agree whatsoever with your comment of 'could cost you a packet and leave you owing more' These are not cowboys. They are people who are trained in what they are dealing with. The CAB do not have the legal power to do these agreements (hence why you need a legal bod to do it) and from what I am aware, there are not too many people trained in this sector, so it is a cost worth paying IMO. But as I said, you only pay the money, once you have been told your agreement is viable.

Jorge Alberto Lopez-Orozco = Tiggs. Fact

Thats Robsk for you...