benjii

Really!! By getting 6 points from 7 games?! You did remember to give the other teams some points too, eh?

Alps, I've highlighted the important bit for you. There, there.

It was tongue in cheek.

In the sense of, "I think Jan is doing an awful job and I think Pearson, who I rate, could do a better one". Not in the sense of, "I have found some comparative figures and will now assert that this proves something which has a large qualitative element".

I imagine it's about £12 per credit card, something similar for a loan, plus interest ect, plus screwing up your relationship with the lender, plus potentially knackering your credit rating etc... Don't worry though, Crouchie's Lawyer will be on hand to help you challenge the charges!

Please see above. I'm not trying to have a go, just interested because I find it hard to believe this is worth many people's time or £50. Incidentally, you also advise them to cease payments due whilst your "legal team" reviews the documents. I'd be interested to know what your average turnaround time is.

Some of the text on that site is hilarious. If I was going to instruct someone to do some legal work for me I would want someone capable of stringing a coherent sentence together. Most local solicitors will have an initial interview with you for free. I would recommend investigating that if you have genuine legal concerns. It looks to me as though you are paying £450 for a non-lawyer to conduct a tick-box exercise on a loan agreement. If they find something naughty and if the lender refuses to come to some sort of settlement with you, only then does a qualified lawyer get involved. That's my reading of it anyway - is that right? Still waiting to hear which banks have committed fraud in relation to Consumer Credit Act claims as well.

A mong at the footy? I cannae believe it.

I'd say it's about 40% at the moment. However, for the last couple of months of Poortvliet's reign I would have had it at about 5%.

Which banks have committed frauds in these cases?

Genuine miracle IMO.

I expect they spent the fee from these articles on a nice bag of egamame beans, some brown rice, a few handfulls of seeds and a glass of carrot juice.

Alexsei Cherednik? Sergei Gotsmanov? Van Gobbel?

I saw this, sort of. Clough was generally being a **** and the next thing a water bottle went hurtling in his direction from the direction of the Saints bench. He was already giving the 4th official loads of grief and shouting at the ball-boy before this happened. Seemed like a bit of a **** really. Mind you, I would do the same if I was a manager. Ergo, I may be a ****, I suppose, or maybe managers are ****s, or maybe people who aren't always ****s can act like a **** under pressure. Poll?

I think it's only sensible to reserve judgment until the dawn of the season. Regardless of relegation or not, a board with the best interests of the football team at heart, a manager who inspires confidence and a not completely sheeeeiiiiite squad, would give me the impetus to go. Having said that, if we're in League One I'm certainly not going to pay upwards of £20 for a ticket.

Having thought about it for a bit, I would pick Scott Hiley. If we can't track him down in time, then Paul Wotton. If Wotton is injured, a copy of his autobiography is the next best option.

Ahh, the old "why raise the point in civil, measured discussion when tempers have calmed, when you should have started a ruck in the ground?" riposte. We salute you and your ilk.

Surely we could play one of Pulis, Gasmi, Pekhart, Robertson, Molyneux, Pearce, Smith or Forecast? We must have signed at least one of them as a right back given that we have no other options there. Otherwise that would be mental.

Surprised so many people have voted for Gillet, his passing was awful. Granted he tried hard and made some good tackles though. Saiejs was quality. Along with Davis, our most important player by a mile now IMO.

That's a new one.

Without him we would have been relegated for certain. We would never have had the Strachan years, cup final, Europe, SMS (mixed blessing). He may be a prize-**** but to slag his contribution to Saints is retarded.

If we were second in the league we'd get 25,000 easy, no matter how gash we played.

If we win 3 then we will have won 6 out of 9 matches. That's pretty impressive so, to be realistic, 3 wins would be a decent return. Given where the other teams are though, we need to avoid defeat against Blackpool and Watford. Therefore 3 wins and two draws would be a great return. 11 points out of 15. If you'd asked me a month ago I'd have laughed!

Oh, and 3 - why the hell name a Dutch footy team after a province in Afghanistan? Someone's having a laugh at our expense.