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    • Particular's of claim for reference only 1. the claim is for the sum of £6163.61due by the defendant under an agreement regulated by the consumer credit act 1974 for hsbc uk bank plc. Account (16 digits) 2. The defendant failed to maintain contractual payments required by the agreement and a default notice was served under s 87(1)  of the consumer credit act 1974 which as not been compiled with. 3. The debt was legally assigned to the Claimant on 23/08/23, notice on which as been given to the defendant.  4. The claim includes statutory interest under S.69 of the county courts act 1984 at a rate of 8% per annum from the date of assignment to the date of issue of these proceedings in the sum of £117.53 the Claimant claims the sum of £6281.14. Suggested defence 1. The Defendant contends the particulars of the claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.3 (3) in relation to any particular allegation to which a specific response has not been made. 2. The claimant has not complied with paragraph 3 of the PAPDC (Pre action protocol) failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st of October 2017. It is respectfully requested that the court take this into consideration pursuant 7.1 PAPDC. 3. Paragraph 1 is noted. I have in the past had financial dealings but do not recognise this specific account number or recollect any outstanding debt and have therefore requested clarification. 4. Paragraph 2 is denied. I have not been served with a default notice pursuant to the consumer credit act 1974. 5. Paragraph 3 is denied. i am unaware of any legal assignment or notice of assignment. A copy of assignment was sent by Overdales solicitors when acknowledgement of receipt of CPR request was received, but this was not the original.   6. Paragraph 4 is denied. Neither the original creditor or the assignee have served notice pursuant to sec86c of the Credit Consumer Act 1974 Notice of Sums in Arrears and therefore prevented from charging interest on debt regulated by the CCA1974. 7. The defendant submitted a request for a copy of the alleged agreement pursuant to s78 CCA 1974. The claimant has acknowledged receipt of request but has failed to comply. The claimant has failed to provide any evidence of balance or Default Notice requested by CPR 31.14 8. It is therefore denied with regards to defendant owing any monies to the claimant. therefore the claimant is put to strict proof to:  a.  Show how the defendant has entered into an agreement with HSBC. b.  Show and evidence the nature of breach and service of a Default notice pursuant to section 87 (1) CCA 1974. c.  Show and quantify how the defendant has reached the amount claimed for. d.  Show how the claimant has the legal right, either under statute or equity  to issue a claim. 8.  As per civil procedure rule 16.5 (4) it is expected claimant prove the allegation that the money is owed. 9.  Until such time the claimant can comply to a section 78 request he is not entitled, while the default continues, to enforce the agreement 10. By reasons of the facts and matters set out above, it is denied that the claimant is entitled to the relief claimed or any relief.     .
    • OK, well rereading the court orders from March, in the cold light of day rather than when knackered late at night, it is quite clear that on 25 June there will only be a preliminary hearing about Laura representing her son.  Nothing more. It's lazy DCBL who haven't read things properly and have stupidly sent their Witness Statement early. Laura & I had already been working on a WS, and here it is.  It needs tweaking now after reading the rubbish that DCBL sent and after all of LFI's comments.  But the "meat" is there. Defendant's WS - version 1.pdf
    • Morning, I purchased a car from Big Motoring World on 10th December 2023 for £14899.00. On the 15th December I had a problem with the auto start stop function of the car in which the car would stop in the middle of the road with a stop start error message. I called the big assist and the car was booked in for February. The BMW was with them for a week and it came back with the auto stop start feature all fine and all error codes cleared on the report from big motoring world. within 5 days I had the same issue. Warning light coming on and the car stopping. I called big assist again and the car was again booked in for an other repair in May. Car was taken back in may, they had the car for a week and returned with the report saying no issue with the auto stop start feature and blamed my driving. Within 5 days of having the car back it broke down again. This time undrivable. I had the rac pick my car up and take to Stephen James BMW for a full diagnostic. The diagnostic came back with the car needing a new fuel system as magnetic swarf was found.  I have sent big motoring world a letter stating all the issues and that under the consumer rights act 2015 I have asked for a replacement vehicle. all reports from Stephen James BMW have been sent over to big motoring world. Big motoring world have come back and said they will respond to my complaint within 14 days for the date of my complaint letter. I am not feeling confident on the response from them, what are my next steps?   Thanks in advance. 
    • That is really good is that a mistake last off "driver doesn't have a licence" I assume that should be keeper? The Court requested me to send the Court and applicant proof of my sons disability from their GP this clearly shows he has Severe Mental Impairement, he is also illiterate.  I naively assumed once the applicant received this that they would drop the claim.  It offends me that Bank has asked the Judge to throw the case out at the preliminary hearing and to make us pay up.
    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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I can see both sides of the debate here - I don't think anyone will change their views, even with stats to back up each viewpoint. My issue with Tower Hamlets is that 80% of the Bangladeshi community are in social housing, rising to 93% of Somali community. I make no comment whether they are second generation born here or otherwise. It makes no difference. What worries me is the ghettoisation of large Islamic populations in London (and I'm lead to believe across large parts of Birmingham, Leicester, Bradford etc - although I haven't experienced this first hand so am relying on news stories). However, in London I have my own empirical evidence and what worries me is of all ethnic communities it is ALWAYS without exception the Islamic ones that have issues with integration, learning the host language, fitting in with the wider society. Islam is a religion which is tolerable when in the minority, but, as in Tower Hamlets it is almost the majority and we are already seeing, Sha'ria law courts, Halal only in schools, Muslim patrols telling women to cover up and insulting gays.

 

Of course the easy way to shut down this debate is to simply call me wacist, boo-hoo, bad man, nasty man. However, in the next twenty years at current birthrates in London, the issue will find you whether you choose to ignore it or not.

 

I have no issue with people in genuine need claiming benefits - after all, I DO SO MYSELF!! My worry is with a certain section of society that thinks itself above fitting in, and seeks to change the host community, whilst all other races, religions, cults, ethnicities just seem to fit in and muddle along.

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My only argument here is that the benefit system before the welfare reforms and even now is a shambles - it cannot be perfect but at the moment it is also not very good, that is evident. I have no problem with genuine need and fleeing from opression BUT why is it the majority of these people who I feel genuine pity and sympathy for by the way, make their way to the UK to seek asylum? It is because, after all the reforms and talking non stop we are still, as a nation, an easy touch compared to other countries - this needs to change, people are taking advantage of the system and stopping GENUINE UK citezens getting the help they need i.e. housing, healthcare etc. Anyone that says immigration is helpful to the country is in some aspects right, if their is a contributory factor. If no contributions have ever been made surely they are a drain and not a resource? It is a road that is fraught with danger, we cannot be seen to be 'cleansing' but on the other hand we cannot carry on the way we are at the moment. What are the answers and solutions? I really don't know, I don't think there is one and that is the problem.

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hmm,there is a lot of muslims in tower hamlets that is true,I noticed on the tv show they kept away from that point,the problem with muslims is there is no living with them unless your a muslim! that could be a definite problem with muslim people as they get moved out from high muslim areas to low muslim areas,probably a good thing for society as a whole,talking about racism,the most racist people I have ever met have all been muslims,they don't like anyone that aint a muslim

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My only argument here is that the benefit system before the welfare reforms and even now is a shambles - it cannot be perfect but at the moment it is also not very good, that is evident. I have no problem with genuine need and fleeing from opression BUT why is it the majority of these people who I feel genuine pity and sympathy for by the way, make their way to the UK to seek asylum? It is because, after all the reforms and talking non stop we are still, as a nation, an easy touch compared to other countries - this needs to change, people are taking advantage of the system and stopping GENUINE UK citezens getting the help they need i.e. housing, healthcare etc. Anyone that says immigration is helpful to the country is in some aspects right, if their is a contributory factor. If no contributions have ever been made surely they are a drain and not a resource? It is a road that is fraught with danger, we cannot be seen to be 'cleansing' but on the other hand we cannot carry on the way we are at the moment. What are the answers and solutions? I really don't know, I don't think there is one and that is the problem.

 

The UN convention on Asylum states that those fleeing persecution should find the nearest safe haven country. Hmmmm, anyone been to Calais recently? How many countries must these economic migrants traverse before reaching the land of milk and honey (milking money?)

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hmm,there is a lot of muslims in tower hamlets that is true,I noticed on the tv show they kept away from that point,the problem with muslims is there is no living with them unless your a muslim! that could be a definite problem with muslim people as they get moved out from high muslim areas to low muslim areas,probably a good thing for society as a whole,talking about racism,the most racist people I have ever met have all been muslims,they don't like anyone that aint a muslim

 

To be honest, I think this is the real idea behind the benefit cap - social engineering. Those affected are primarily in London due to extortionate rents, and inner London is where these Islamic ghettos are established. By forcing them to move and disperse it is a back-hand way of stopping the trend. Of course the ConDems would never admit to this, but I'm not sure I wholly disagree long-term either. Although my genuine sympathy is with those who have to leave their support networks, schools etc. But whoever said it was a perfect world. And if you are getting 'something for nothing' then you can hardly complain. If you don't like it, then use your own initiative to make money instead. Too harsh?

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I do my own research that's how I know this to be fact,I certainly don't read right wing propaganda mags,I live in the real world.

 

So do I, which is why I know fact from fiction. :)

 

Too harsh?

 

Yes. Try applying that to MP's who do play the system far more then any other social group.

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No, but one group are meant to serve this country and they should be setting an example. Instead they are the biggest offenders, far outstripping anything done by anyone else.

 

I can't disagree with you there ;)

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Regarding Muslims wanting to live in their own communities and resisting 'integration'. The way I think about it is how would I feel if I lived in a country where lots of people were fearful, or hated, or were prejudiced or bigoted against people like me. Where I might be subject to verbal or physical abuse because of what I chose to wear or the religion I practiced. Well, taking these things into consideration, I think I would want to live somewhere I felt safe, among my own community to start with. Then I think I would find that the way I and people like me were treated and the way people like me were viewed and portrayed in the media would discourage me from wanting to 'integrate'. I would be telling my children to stay away from those that I felt might hurt them and discouraging them from making friends with people not like us. And the continual assault on my culture and religion would make me want to become more protective of it, not less. I might be constantly wary and distrustful of people not like me.

 

 

Ignorance breeds contempt, on both sides of this issue. I lived in Bury Park in Luton for a while, and yes I was treated with suspicion, as an outsider, but I could see how this view had come about and could sympathise. Sadly, contempt on both sides also breeds more hard lined views and violence (on both sides).

 

 

I really don't think it is feasible to break up communities like this by trying to move people out. I do believe, personally, that faith schools are not a good idea (even though I went to a fantastic faith school, they are not all like the school I went to). I think understanding of different cultures, religions and ways of life comes with being together and learning about each other and that schools and workplaces are an excellent place for that to happen. Of course where you have large communities of one culture or religion, it makes cultural and religious diversity in schools problematic.

 

 

Personally, I have found living and working in a cultural diverse society enriching. I take time to learn from the different people around me about their cultures and religion, and have found those around me to be very open to discussing their way of life and beliefs. Should housing policy try and force this type of interaction - I don't think you can force people to interact, but then the ghettoization of places like Bury Park in Luton and then the forming of groups such as the EDL really needs to be avoided.

 

 

I don't have all the answers - these are really difficult problems. But I think a good place to start is with ourselves, and try to at least start to tackle our own personal 'ignorance'.

We hang the petty thieves and appoint the great ones to public office ~ Aesop

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Regarding Muslims wanting to live in their own communities and resisting 'integration'. The way I think about it is how would I feel if I lived in a country where lots of people were fearful, or hated, or were prejudiced or bigoted against people like me. Where I might be subject to verbal or physical abuse because of what I chose to wear or the religion I practised. Well, taking these things into consideration, I think I would want to live somewhere I felt safe, among my own community to start with. Then I think I would find that the way I and people like me were treated and the way people like me were viewed and portrayed in the media would discourage me from wanting to 'integrate'. I would be telling my children to stay away from those that I felt might hurt them and discouraging them from making friends with people not like us. And the continual assault on my culture and religion would make me want to become more protective of it, not less. I might be constantly wary and distrustful of people not like me.

 

 

Ignorance breeds contempt, on both sides of this issue. I lived in Bury Park in Luton for a while, and yes I was treated with suspicion, as an outsider, but I could see how this view had come about and could sympathise. Sadly, contempt on both sides also breeds more hard lined views and violence (on both sides).

 

 

I really don't think it is feasible to break up communities like this by trying to move people out. I do believe, personally, that faith schools are not a good idea (even though I went to a fantastic faith school, they are not all like the school I went to). I think understanding of different cultures, religions and ways of life comes with being together and learning about each other and that schools and workplaces are an excellent place for that to happen. Of course where you have large communities of one culture or religion, it makes cultural and religious diversity in schools problematic.

 

 

Personally, I have found living and working in a cultural diverse society enriching. I take time to learn from the different people around me about their cultures and religion, and have found those around me to be very open to discussing their way of life and beliefs. Should housing policy try and force this type of interaction - I don't think you can force people to interact, but then the ghettoization of places like Bury Park in Luton and then the forming of groups such as the EDL really needs to be avoided.

 

 

I don't have all the answers - these are really difficult problems. But I think a good place to start is with ourselves, and try to at least start to tackle our own personal 'ignorance'.

 

 

Well done Estellyn - a heartfelt, if a little naive, post.

 

I'm not talking about 'Muslims' as a block group. I'm talking about Sunni Muslims. I live in Tower Hamlets where without exception all the Shia/Shi'te Muslims from Iran and Turkey are getting on just fine. But there is a hardcore Sunni/ Wa'habi majority who have it in their culture to proselytize and change any society they find themselves in, and if they can't weed us out, they'll breed us out. It truly is a medieval blood cult. Most Muslims I know where I live who are Sh'ia find it really problematic too. A case in point being that a huge majority of the girls on the street wearing niqab and burkhas are third generation to the UK - their parents and grandparents tell them that they fought oppressive horror to get the right to uncover their faces, so why go back to it now?

 

I have no answers either. But I worry about this whole 'fake-liberal acceptance of everything for fear of being seen as intolerant' trip that you are on. It comes from the right place for sure, but wait till Saudi funded Islam is in the majority in London - see how far your platitudes get you then. lol.

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Well done Esteylln - a heartfelt, if a little naive, post.

 

I'm not talking about 'Muslims' as a block group. I'm talking about Sunni Muslims. I live in Tower Hamlets where without exception all the Shia/Shi'te Muslims from Iran and Turkey are getting on just fine. But there is a hardcore Sunni/ Wa'habi majority who have it in their culture to proselytize and change any society they find themselves in, and if they can't weed us out, they'll breed us out. It truly is a medieval blood cult. Most Muslims I know where I live who are Sh'ia find it really problematic too. A case in point being that a huge majority of the girls on the street wearing niqab and burkhas are third generation to the UK - their parents and grandparents tell them that they fought oppressive horror to get the right to uncover their faces, so why go back to it now?

 

I have no answers either. But I worry about this whole 'fake-liberal acceptance of everything for fear of being seen as intolerant' trip that you are on. It comes from the right place for sure, but wait till Saudi funded Islam is in the majority in London - see how far your platitudes get you then. lol.

 

 

I'm certainly not on any 'fake liberal acceptance trip'. All I do is put myself in another person's position and think 'how would I feel in that situation'. Just because I can understand the conclusions a person has come to, does not mean I agree with them - just means I understand how they got to that place - I understand how a right wing Tory gets to the views they have, doesn't mean I don't loathe their views. I hardly presented any platitudes - in fact I stated that I didn't know the answers for the difficult questions. And if you knew me, you'd realise I'm anything but naïve.

 

 

And perspective is everything - where I live it is the Sunni who are seen to be integrating and the Shia who are not. Many of the Muslim women I know, who didn't before, started wearing hijab or niqab because of the hostilities towards their religion both here and abroad - a way of affirming their faith and a protest against western society. Regardless of what their grandparents went through, they see their faith 'threatened' and some become more hard lined because of this. It is difficult for the younger generation who have never been there and lived it, to realise the horrors of being a woman living somewhere like Iran, they are too far removed in this country from the oppression faced by their grandparents, and it is naïve to think that some words from their grandparents will carry more weight than what they see and experience around them now.

 

 

A 'fake liberal acceptance trip' would indeed be damaging. Neither of us have any answers, but first we need to identify the issues and the causes before people wiser than me can attempt to come up with solutions

We hang the petty thieves and appoint the great ones to public office ~ Aesop

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And perspective is everything - where I live it is the Sunni who are seen to be integrating and the Shia who are not.

 

I don't mean to sound rude, but you've just proved you don't really know what you're talking about. Most Shi'a Muslims don't even wear the hijab let alone the niqab or burqa. It's an affectation of Sunni only, and comes from the need for men to control their women. I'm sure you mean well, but you really need to understand what you're talking about before just blindly defending anything that challenges your liberal sensibilities. ;)

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I don't mean to sound rude, but you've just proved you don't really know what you're talking about. Most Shi'a Muslims don't even wear the hijab let alone the niqab or burqa. It's an affectation of Sunni only, and comes from the need for men to control their women. I'm sure you mean well, but you really need to understand what you're talking about before just blindly defending anything that challenges your liberal sensibilities. ;)

 

 

You do sound rude and also offensive and condescending. You speak about being grateful people are not shutting your right wing comments down as a racist, but are quick to dismiss a person as a liberal; sounds rather hypocritical. You also sound as if you have a axe to grind on the religion issue.

 

 

I don't profess to be an expert - unlike you who claim to be an expert on every town in the UK and it's demographics.

 

 

My husband's aunt lives in Iran and is a Shia Muslim and has experienced huge issues because of the subjugation of women she experienced there. Control of women is cultural, and not solely religious and crosses many borders. I worked with a Jehovah's Witness from Bangladesh who wore a headscarf. I regularly discussed religion with a (male) Sunni co worker who was a really nice, gentle guy - his wife wore western clothing. My understanding (limited though it is) is that there are different sub sects even within the major sects of Islam, and that an individual's Imam can have a big influence.

 

 

Or to be plain, I prefer, personally to look at the individual I meet, rather than making big judgements about 'groups'.

We hang the petty thieves and appoint the great ones to public office ~ Aesop

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personally I don't think there is any place for any religion in the 21st century,all religion seems to be a giant step backwards,surely as these people that have immigrated here to the uk get a decent education they will see religion for what it is,fairy tales, and probably there will be more harmony in our society,there does seem to be a lot of religious teachers coming to this country bringing their point of view from where they come from and filling the heads of the young here with it,maybe that should be discouraged .

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personally I don't think there is any place for any religion in the 21st century,all religion seems to be a giant step backwards,surely as these people that have immigrated here to the uk get a decent education they will see religion for what it is,fairy tales, and probably there will be more harmony in our society,there does seem to be a lot of religious teachers coming to this country bringing their point of view from where they come from and filling the heads of the young here with it,maybe that should be discouraged .

 

 

Although the world might be better, I think people tend to always find something to fight about. I think it will be a long time before we've all evolved to live peacefully. I don't think you can prevent people having religious beliefs - some people need a way to explain the world around them and get scared and unfilled if they think it's all just evolution and chance with no guiding 'presence'. Even if I don't believe, I don't feel it's for me to try and take away the comfort their religion brings to them. But yes, my husband also calls it 'fairy tales'.

We hang the petty thieves and appoint the great ones to public office ~ Aesop

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You do sound rude and also offensive and condescending. You speak about being grateful people are not shutting your right wing comments down as a racist, but are quick to dismiss a person as a liberal; sounds rather hypocritical. You also sound as if you have a axe to grind on the religion issue.

 

 

I don't profess to be an expert - unlike you who claim to be an expert on every town in the UK and it's demographics.

 

 

 

Or to be plain, I prefer, personally to look at the individual I meet, rather than making big judgements about 'groups'.

 

 

Yawn. Sorry if I threatened you. Yes I'm sure everything you say is wonderful.... Carry on... ;)

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Yawn. Sorry if I threatened you. Yes I'm sure everything you say is wonderful.... Carry on... ;)

 

 

methinks I fed a troll....

We hang the petty thieves and appoint the great ones to public office ~ Aesop

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If it makes you more comfortable to believe that rather than analyse reality, then fair enough. x

 

 

You live in your reality, I'll live in mine, and let's leave it at that.

We hang the petty thieves and appoint the great ones to public office ~ Aesop

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Yeah methinks you're right. Best not engage with them anymore.

 

Sorry you feel that way. Yeah let's get all Mumsnet about it and shut down anyone who has an opinion that makes us think.

 

Let's all stay comfortable and grateful for the wonderful responses... ;)

 

Sorry if I offended anyone or made them think.

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