Crouchie's Lawyer

Cant see the wood through the tree's springs to mind

Done, hope it works out mate. Have you asked Mods if this can be a sticky in the lounge? More awareness if seen more?

Well hang on, she is on the large side, but I wouldnt go as far as saying she is two birds!

Suttle should've been subtle

Why?

Kerry Katona more your type then eh?

Sorry, I'm getting my own back on you pedant style (you are about 8 or 9 up anyway!)

Apologies if I got it wrong, however your 'loser radar' as you call it, is miles wrong with your thoughts on seperated fathers 'crawling under a stone and leaving their kids to learn' Say that to St Lard and see how far you get.

I saw on one of the other threads over the last week (had a quick look but couldnt find it) saying allegedly money from the sale of illegal firearms has been paid into two bank accounts one of which is Junior's bank account!

Is it really to annoy away fans or to get him away from their own fans. IIRC they all f*ckin hate the c*nt anway! Still, he will be closer to the away fans, hopefully only a stone throw away

MB did you make that joke uninterntionally? Edit: I got confused with who said what!

Well I have spoke with Tom's (getting married) mate, who has come over here before and he has said, providing it's the school holiday (he is a teacher), he will happily take me around Aus to show me the sights. He has also offered me a place to stay for the 3 weeks (providing I chip in with the food cost) so I should find out tomorrow if he has any holidays. Tom also has another mate who has come over here which I maybe able to rope into travelling round Aus with me. Ill keep you posted.

Spurs are bottom of the Premier League

Are we only talking wee? If so, I guess, yeah, a couple of quid (providing there was a sink next to it to wash your hands). What about these scenarios? 1) Toilet with wee in (your version) with a sink nearby 2) Toilet with wee in, without a sink nearby 3) Toilet with poo in, with a sink nearby 4) Toiley with poo in, without a sink nearby. How much?

He will be assasinated within the first year I bet. By some racist fuelled hick no doubt that cannot cope with their country being run by a black man.

One word. Portsmouth

I know, I was hoping you wouldnt see that though!

No its just an expression. Its a reference to what you are talking about.

So im guessing you are the 'new' partner and not the actual father. Figures. Its none of your business if the real father takes a keen interest in his childs education. Infact I would encourage the father to still take an interest. If he doesnt, its not really being a loving caring father.

http://www.faceinhole.com is also quite good

Was I the only one to think 90's boyband five had passed away? In a serious note, my heart goes out to the family and friends of the people who have passed away.

Dollar Dollar bill yall

I used to love that show! Im gonna have a looky looky on play to see if there is a doovd

I feel you could have gone into a bit more detail yes! In all seriousness though, Im not sure of the specifics of the case or indeed the Thai legal system, but it does seem a little light yes.

Because (as ill explain below) there are a lot of people who dont pay their mortgage and consequently, the only thing left for the bank/building soceity to do is reposess to get their money back. You and I would calculate what we can reasonably afford yes, but there are a number of scratchy people out there who dont think like this. They are what I call 'priority retarded' They have missed payments on their loans & credit cards, have county court judgements (CCJ's) and defaults coming out of their ears but wanna borrow an extra £5k to go on holiday! What eventually happens is they have so much credit which they cannot afford, they start to miss mortgage payments to keep the credit card company and loan company happy by making a payment to them. When they miss mortgage payments, the risk of being repo'd is only just around the corner. Some lenders tolerate loads of missed payments before taking the client to court (I saw a Halifax one, where no payment had been made for 18 months yet no court action had been started! Yet others like Northern Rock will push for court action after only 2 or 3! Quite often, people dont get as much sick pay as they originally thought they would, or they take a 'it'll never happen to me' attitude, and dont take out any cover, again in these circumstances, it leads to missed mortgage payments and eventually repo. Same with Redundancy. JSA is no where near as much as a wage would be, so unless you had a very small mortgage, you wouldnt be able to pay it on the JSA. Its very different in the UK. Up until recently, it was worked on income multiples. So if I were to earn £25k (most banks work on an IM of 4 x wages) I could borrow £100k. The main floor in this is that they didnt normally take into account any other outgoings you had, so I could go to bank 1 and get £100k mortgage, bank 2 and get a £100k mortgage and so on. In affect, I could have £100k's of mortgage on £25k income. This was rectified and nowadays, most lenders use whats called affordability. Sounds a little like the France system. They basically take into account how much you spend on things like credit cards, loans etc and work out how much money you have spare each month (they use a rough guide for general living costs too). If the spare capacity is sufficient, you qualify for the mortgage. The main floor in all of these is unsecured credit. I could be on a wage of £25k and have no unsecured debts so the maximum I could borrow under this new affordability scheme would be say £100k. However, once the mortgage has gone through, I could then go to bank x, y & z and borrow tens of thousands of pounds in unsecured credit. Banks dont tend to work on stringent criteria for unsecured debts, more often than not, its just based on how much money goes into your account which can be easily mislead. The 'computer says no' sketch on little brittain is not far wrong with how personal loans are calculated in banks, normally the person selling you the loan is just reading a figure of how much the computer has calculated can be lent to you! So having borrowed my £x thousands from the bank, I then start to struggle meeting the mortgage payments, as had I taken out the debt before I were granted the mortgage, I would not have been given a mortgage as large as £100k! This IMO is also a major part of why there will be a lot of repo's this year.