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    • Please bear with me here i shall try and make this short but with all the detail, but i need help ASAP as there is limited time allowed for this process. I have been with my company 4 years and have advanced through the technical ranks to my current position,  we have an annual report which goes from 0-4 and for three years i have never scored lower than a 3. I was promoted to the role i am in now as an area quality assurance lead and the location was for the NE ( i live in the NW) eventually a similar role became available for another role in the NW. I asked my line manager if he minded me applying for it and he had no issues, i applied sat the multi stage interview and was given the role. My role is now classed as "at risk" of redundancy as we are moving from 4 regions to two which means they are also moving from 4 roles to two roles in my position. Two people are considered safe and myself and another at risk, my question is what is the criteria to separate safe from at risk . In the documentation received from my company it is below, i have zero issues and i know cv against cv mine wins, i was even selected by the company as a company mentor because of my experience in engineering and leadership. This is a closed group of maybe ten people and i am the only non senior executive included.    ·         Performance and Behaviour : I have zero behaviour issues, no issues with performance from my current line manager.  ·         Performance Improvement/ Disciplinary Records   : Zero disciplinary's and no performance issues, in fact my line manager on record has said I'm forthcoming ·         End Of Year Rating : Issues explained below Now my line manager was leaving the company and he did tell me "there was some politics involved with you getting that role, the city build manager and head of area build had promised it to their lead engineer (something they had no right to promise as it has to go though the process ) anyway from day 1 it became very clear that i would not be accepted for this reason within their community although i did just try to help them achieve quality and specification as that was my role. After a few weeks it became very apparent as to why the role had been promised to their man, i found issues where properties had been signed off as ready to accept subscribers when they were not ready (for bonus and stat reasons) and several quality issues i discovered which we could remedy and improve our productivity (unfortunately this would highlight that these issues had been there and not dealt with) My new head of area build (part of this trilogy of him, city build manager and lead engineer)  clearly did not want me there (for the reasons stated) but paid lip service, i had highlighted that i needed to walk off some structured with our canter of excellence counterparts ( as this was part of my role to link in with them for national issues) and he responded by saying i am not to walk them off, and that we have sufficient engineers to do that task (by saying this he could make sure that the engineers would take them round to structures that are A not the ones i have highlighted, and B would have very minor issues) This battle went back and forth over the months where i tried my best to build up the relationship with  them, my attitude was ok you have made some mistakes here, but we are all a team and even though you have hidden issues i can help you remedy them and hopefully we can do so and keep them off the radar,  but they just never did, So moving forward to October last year (2023) this is getting near to annual review time, now i had helped the company out massively by working a substantial amount of weekends and nights to fix issues, and i said i would take most of the time as TOIL ( as agreed with by my previous head of area build) this was 30 days. My current head of area build said i needed to put my leave in as it had been flagged as having a large amount. When i did input the leave (it would result in me taking all of December off) he was unhappy with me and was extremely curt in his responses as he could find nothing on the system for my TOIL , i explained the situation, my line manager would ask if i could work the hours, i would, and when i wanted leave he would authorise (we had an good working relationship, he was an excellent manager) he ended up going to HR to ask their advice and a teams call was set up with myself, head of area build and HR, it was confirmed by HR that it was a company error, when you want to input TOIL there should be a dropdown option in the leave menu and one of the options would be TOIL, this had not been setup on mine. So the company authorised the leave explaining that this should have been done and hadn't, i did say that this is the way it had always been and pretty much everyone on my team then operated this way, TOIL had never been discussed and none of had this option available. So i entered my leave from 4th December - 2nd January,  My line manager was an outside contractor and was leaving the company on the 15th December. On my return i found that we had a new head of area build, it would be a temporary position as they were not going to fill the position permanently and he would be covering his role (Scotland) and this role (NW). I contacted him to say that i had not received my end of year report yet and when would this happen as i had not sat with my line manager tor mine. A little over a week later my HoAB and i had a teams call, it was a introduction meeting and end of year report, he said that he had received feedback from the outgoing manager and he had given me a 2 (i have as explained before never scored lower than a 3) he asked hoe long i had been in the current role (just over a year) as this grade can mean you are new to the role and need a little supervision, haven't built up relationships with stakeholders etc. So he explained what my grade and bonus would be and if i had any feedback, i explained that this was unfair, i had proof that i had not met my targets (i say targets as there were never really any set, but going from emails and conversation we have had, and the job description) i had even created Powerpoint presentations which were very complex into how our network works from beginning to end  as there was distinct lack of knowledge here and i am a lead trainer / assessor (this btw he was extremely impressed with) He did say he had spoken to people in the centre of excellence which o believe was the head of operations, and he did look confused as to the disparity in feedback from them and the original manager that wrote my report. I contacted HR to raising my concerns that i had not sat with my line manager to go through my report,  had i had the chance to do so, i could have rebutted anything said as i had proof of my achievements even though he had set no defined targets, i could prove that i had been extremely active in identifying and remedying issues, HR did come back to me and these are their comments  1) "Your rating was submitted by your manager at the time xxx xxxxxx and he should have carried out an EOY review with you. The rating would not have been provided in this review but feedback should have been shared" [this never happened] 2)  Initial ratings where then discussed and reviewed during a calibration process (for your team) this will have included HOABs and RDs. During this session ratings can be challenged and changed. I can confirm that your rating was not changed as a result of this session and it remained at the rating that xxx submitted. 3) xxx did provide thorough feedback to xxx xxx in a handover so if not already done so it may be worth speaking with him to understand that feedback further.   4) In terms of reputation and the concern you share – ratings are not made public and are private to each individual. 5) And this first line obviously is incorrect " As far as i can see this would be the only separator they could have measured me on to separate safe from not safe, and if so the company did not follow its own procedure. My current line manager said " an error had occurred as you had not received the option to  sir with your manager for your review, and the company needs to make sure this error does not happen again) Well then they are admitting there was an issue and it needs remedying not sweeping under the carpet. All of this is documented. To remind the rating of a 2 is not a concerning grade. Please see descriptor below Generally, needs little supervision but does on occasion require direction/supervision. Does not always anticipate changes to the work environment and could adapt more quickly. May be seen as a strong performer in certain situations or by some audiences but may not perform at that level in all situations. May need some development or guidance to carry out some elements of role. May not consistently demonstrate the right behaviours. May have been on Performance Improvement during the year but has since shown strong improvement        
    • Also, what is the value of the dress and have you refunded the purchaser?
    • Simon Case was at the Covid inquiry yesterday. Finally. ‘Eat out to help out’ launched without telling official in charge, Covid inquiry hears | Covid inquiry | The Guardian WWW.THEGUARDIAN.COM Simon Case, who was responsible for Covid policy at time, calls Boris Johnson’s Downing Street the ‘worst governing ever seen’  
    • I think for the moment you will have to wait for the return of the dress to you And then take some decent photographs which will show the damage very clearly. You will have to provide these to parcel to go but also you will need them as evidence for the court if that's the way this matter goes . Let us know when you get the dress and you have the photographs. It would be helpful to see the photographs here. In the meantime I suggest that you start reading as many of the stories on the subforum as you can manage in 2 or 3 days and that means quite a lot. In particular read the pinned posts at the top of the subforum which will explain the principles involved which you will probably have to use if you bring the matter to court. When you have done the reading, when you have received the dress and when you have the photographs then come back here and we can go to the next step      
    • Solid blocks of text are very difficult for people to follow and especially when they are using small screens such as telephones. This discourages people from giving you the kind of help that you need. Please will you make sure that your posts are properly spaced and punctuated in future.  I have done this one for you on this occasion
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SPML/LMC anyone claimed for mis selling and unfair charges?


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Well done, Rocket1. A great start.

 

Ok Guys 'n Girls'

 

Sorry to intrude, but I would like to let you all know I have started a blog site here with the express purpose of drumming up public support from the whole public as well as CAG.

 

The idea is to collect ghastly mortgage stories on this blog site and inform readers about joining in a class action and how they can join in if they want to.

 

A class action simply becomes automatic from the Office of Fair Trading if they receive enough complaints from mortgage holders and the re-possessed.

 

This blog aims to make sure the Office of Fair Trading Will get enough complaints and therefore all the hard work and cost of a legal action will be born by the OFT and not us.

 

The blog site is called:

 

HOMEOWNERS FOR JUSTICE AGAINST MORTGAGE RACKETEERING

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Fixed rate came to an end this month. We hadnt heard from Capstone to find out our new payment so we rang them. The first call was answered by a guy whose first words were "how much would you like to pay". The wife said that we wanted to know what our new payment was. "Oh, our computers are down can you call back?". We called back in the afternoon-no wonder they didnt want to tell us what the payment was we save £500!!!.Chuffed to bits, only for the 3 months though so keep that rate down please.:D

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I own a flat in a very expensive area and the arrears on my loan are less than 0.1% - a thousandth - of the property's value. My income is variable and my clients often pay me very late, hence the arrears. Yet SPML threatens me with repossession and refuses to discuss repayment terms. IMHO, these guys are ****, although I probably shouldn't have taken the loan in the first place. I should have starved and begged on the streets instead.

Edited by sohoscribbler
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I own a flat in a very expensive area and the arrears on my loan are less than 0.1% of the property's value. My income is variable and my clients often pay me very late, hence the arrears. Yet SPML threatens me with repossession and refuses to discuss repayment terms. IMHO, these guys are ****.

 

Why do they refuse to discuss terms? Surely if heaven forbid, it went to repo the court would want to know why?

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midge

think they've just quoted the blurb from the prospectus as loans from both sppl and spml were securitized with this spv,it is sppl who are stated as being likely to be imminently insolvent.

 

IT APPEARS CAPSTONE ARE NOW VIGOROUSLY PURSUING A STEPPED UP POLICY OF REPO. from some of the pm's I've received.

They say which is accepted without question by the courts, that they are acting for the originators without any letter of authority or power of attorney,as the originators have no personnel especially sppl I cannot possibly see how they can have any valid authorisation to bring claims on their behalf.

SO FOR HOW LONG HAVE CAPSTONE BEEN BRINGING ILLEGAL AND SUCCESSFUL ACTIONS AND REPOS FOR A COMPANY THAT HAS HAD NO DIRECTORS FOR SOME TIME (APRIL 2009) AND CONSEQUENTLY FROM WHOM THEY CAN HAVE NO POSSIBLE LEGAL AUTHORITY?!!

SURELY THIS MUST BE REPORTED YET AGAIN TO THE FSA AS IT IS STILL GOING ON NOW.

 

Comments please?!!

Ryde I would be interested to know who these people are ie the PM's

no one on this site as far as I know are asking who are you, they are going to court with the help of the brill Ellen and coming to payment

deals to stop repo and eviction and in most cases winning [albiet for how long who knows.]

As to the power of attorney I believe this was granted at the onset of the deal done between O/L and SPV this along with the title deeds lodged with the Trustee for safe keeping .And for them to use as seen fit .

The question should be asked is how SPML etc can sue for what they no longer own [the Receivables ]

KEGI

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I just thought some of you might be interested in reading this as it shows that we have more muscle than you might think !

 

"Almost every system our government has built or interfered in is broken. Healthcare. The economy. Education. Our courts. Our infrastructure. Our environment.

 

It's time to fix them.

 

This is a make-it-or-break-it moment in our history.

 

Either we set the progressive agenda ourselves. Or the next wave of politicians will set its own agenda, no doubt with the help of corporate crooks and an army of special interest groups.

 

Where do we start? By rejecting the inevitability of the same old regressive politics of the past. By rising up in numbers never before seen.

 

By engaging in the political process as if our lives depended on it.

 

Because they do.

 

CommonDreams.org is your community, your movement, your platform for civic participation.

 

We provide the Internet meeting space, the news and views, the tools.

 

You bring your creativity, your energy, and your passion for the progressive ideals that are at the heart of all of our hopes and dreams.

 

Please become part of the future of progressive politics!

 

Why it matters | CommonDreams.org

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I just found this. It might be of some help to people here !

 

MARLA LYNN SWANSON, Plaintiff, vs. EMC MORTGAGE CORPORATION, et al., Foreclosure Combatant

 

It is the legal documentation about a litigant complaining the lender had no right to bring action against the borrower - as discussed on this thread.

 

It might provide guidance !

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Ryde I would be interested to know who these people are ie the PM's

no one on this site as far as I know are asking who are you, they are going to court with the help of the brill Ellen and coming to payment

deals to stop repo and eviction and in most cases winning [albiet for how long who knows.]

As to the power of attorney I believe this was granted at the onset of the deal done between O/L and SPV this along with the title deeds lodged with the Trustee for safe keeping .And for them to use as seen fit .

The question should be asked is how SPML etc can sue for what they no longer own [the Receivables ]

KEGI

keggers

can't quite catch yor drift here mate.

Anyone facing iminent repo have advised them to post their situation here where they can receive help and also be redirected to Ell-en on the repossession thread for further help with the repo and court papers .The only advice I can offer is if the charge registered in the name of SPPL only is transferred to the spv and I am not going to post it in public here due to the prying eyes,any such opinion I give is my own and as far as I am concerned its an absolutely no lose situation.It will not help anyone facing iminent repo at the moment.Anyone who pm's me will have their posts vetted.You can all vet mine and make your own minds up and just use your own judgement.

The spv prospectus states that the spv has irrevocable power of attorney to perfect the legal transfer through the originator in this case SPPL.

SPPL has no stated contract or granting of such an attorney to bloody Capstone to issue or start proceedings in its name from what I can see,the only person with this power is the spv.

Sppl have no personell to even instruct capstone to do this,yet they will state they are conducting all the business of sppl.etc Wheres the written authority then.

 

All capstone are is collectors and administrators of the mortgage payments for the spv who as usual remain hidden like woodworm.

 

 

sawyer

Really would respectfully suggest you:

1 Get your problem posted a.s.a.p. on this thread,clocks ticking.

2 Get the notice to noteholders recently posted printed out.Title to sue is passing from the originator to spv,there is however nothing concrete yet.

 

 

Great fighting talk rocket,motivate the troops,we're ready.

Expose 'em

then

Fix 'em for good

 

Edited by ryde
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I just found this. It might be of some help to people here !

 

MARLA LYNN SWANSON, Plaintiff, vs. EMC MORTGAGE CORPORATION, et al., Foreclosure Combatant

 

It is the legal documentation about a litigant complaining the lender had no right to bring action against the borrower - as discussed on this thread.

 

It might provide guidance !

 

Hi I wonder if they'll provide forensic audits for UK victims:confused:

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Hi, I believe everything regards my court hearing is well in hand now thanks to Ell-enn. I have a lot to tell the judge, extortionate fees UTCCR 1999, arrears made up of fees, missold PPI etc etc. Will print off that notice, anything else ?

 

A couple of questions - My loan was originaly taken out under the 1974 consumer credit act (under £25,000) Does this change anything ?

 

Has anybody received back requested transcripts in their SAR ? Capstone refer to these telephone conversations but are unable to give transcript copies.

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sawyer

really glad you have managed to get sorted out will see if I can find anything for you on cca1974 and will post here.FROM OWN EXPERIENCE TRY AND GET EVERTHING IN WRITING IN BULLET POINTS KEEP A COPY AND GET IT SUBMITTED TO THE JUDGE ALSO IF YOU CAN GET SOMEONE ELSE ALONG SUCH AS THE CAB REALLY TAKES PRESSURE OFF.KEEP US INFORMED AND WATCH THIS SPACE.how much are they trying to extort from you for chissakes if the loan is under £250000 and regulated by cca1974 they must be desperate if they can't come to some arrangement.

Ask bloody capstone where is their letter of authority from sppl to bring these proceedings, which would seem bloody miraculous seeing as sppl have no personell to write such authority,must be using a ghost writer!!??sneaky b.stards.

Edited by ryde
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Hi, I believe everything regards my court hearing is well in hand now thanks to Ell-enn. I have a lot to tell the judge, extortionate fees UTCCR 1999, arrears made up of fees, missold PPI etc etc. Will print off that notice, anything else ?

 

A couple of questions - My loan was originaly taken out under the 1974 consumer credit act (under £25,000) Does this change anything ?

 

Has anybody received back requested transcripts in their SAR ? Capstone refer to these telephone conversations but are unable to give transcript copies.

 

I've been through that with Capstone and made them trip up by complaining. They 'reviewed' the conversation, which means they had a copy available even though they denied it initially. You have to put pressure on them to get anywhere and then fire it back at them. Ignore the excuses and show them you mean business and wont rest until they back down.

 

I don't know your circumstances but it may be of use to say how you were sold the loan. Was it a cold-call, were you made aware of your rights?

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Dear Rocket1

 

Thank you for posting up about your blog site. Having read the Neasa MrErlan's article, do you or any body else know the name of the 1991 case referred to in her article, i.e., where she reports:

 

A case based on what's known as mortgage "misrepresentation" might also be feasible. According to Ryley, this might be arguable if you were "given a very hard sell, or told everything good about the product and given no information about what would happen when interest rates went up". If misrepresentation is argued successfully, the contract can be rescinded - as a case in 1991 proved.

 

I find it interesting that where there is a case where a borrower prevails (a massively rare occurrence), the case cannot be found on bailii. Wonder why these prescendents are always so unavailable to the public...but maybe it's just me...does anyone know this case?

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I just thought some of you might be interested in reading this as it shows that we have more muscle than you might think !

 

"Almost every system our government has built or interfered in is broken. Healthcare. The economy. Education. Our courts. Our infrastructure. Our environment.

 

It's time to fix them.

 

This is a make-it-or-break-it moment in our history.

 

Either we set the progressive agenda ourselves. Or the next wave of politicians will set its own agenda, no doubt with the help of corporate crooks and an army of special interest groups.

 

Where do we start? By rejecting the inevitability of the same old regressive politics of the past. By rising up in numbers never before seen.

 

By engaging in the political process as if our lives depended on it.

 

Because they do.

 

CommonDreams.org is your community, your movement, your platform for civic participation.

 

We provide the Internet meeting space, the news and views, the tools.

 

You bring your creativity, your energy, and your passion for the progressive ideals that are at the heart of all of our hopes and dreams.

 

Please become part of the future of progressive politics!

 

Why it matters | CommonDreams.org

 

Total and absolute agreement with you Rocket1!

 

We are oppressed and burdened with total corruption at every national institution and the tax burden falls only on US!...Will visit the CommonDreams web site, but in the meantime, my hope is that:

 

at the next election vote for ANYONE EXCEPT for the usual labour/conservative MPs. If we want change - real change - then we need to get rid of BOTH labour and the conservatives. They are both the bloody same deal so change means getting rid of those career polititians who just rubber stamp their dictator's whim. The establishment have alread "annointed" Cameron as the next dictator/prime minister - he'll be just as bad to us as the others. Get rid of career politians and their career MP monkies.

 

Please consider any other MP!!!..and lets make them represent US!!!

 

Lets abolish safe seats for career MPs. NO MORE "SAFE" SEATS for career MPs!!

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Hello Im new here but have read with interest all the stories and detective work thats being going on. I wonder what everyone thinks we should do?Just sit tight,and see if FSA announce in Jan that infact Capstone/SPML are infact 1 of the 4 that have been investigated and maybe ordered them to refund extortionate charges back, as per GMAC? Although if thats the case, who would pay? (If SPML dont or wont exist?)

 

Plus any ideas on how to find out if infact Capstone can issue Repo Orders and if Suspended ones can be legal, for a company that is insolvent? Any feddback would be much appreciated? I know some MPs have written some paper havent they? and are questioning FSA's timescales? Views?

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Hello Im new here but have read with interest all the stories and detective work thats being going on. I wonder what everyone thinks we should do?Just sit tight,and see if FSA announce in Jan that infact Capstone/SPML are infact 1 of the 4 that have been investigated and maybe ordered them to refund extortionate charges back, as per GMAC? Although if thats the case, who would pay? (If SPML dont or wont exist?)

 

Plus any ideas on how to find out if infact Capstone can issue Repo Orders and if Suspended ones can be legal, for a company that is insolvent? Any feddback would be much appreciated? I know some MPs have written some paper havent they? and are questioning FSA's timescales? Views?

 

Don't know about the first bit :(

As to the other if you are in Capstones books part of their remit is to litigate for and on behalf of those mortgages lenders

On the bit in bold I'm inclined to say yes until told I'm wrong:smile:

kegi

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Don't know about the first bit :(

As to the other if you are in Capstones books part of their remit is to litigate for and on behalf of those mortgages lenders

On the bit in bold I'm inclined to say yes until told I'm wrong:smile:

kegi

On Kegi's bold bit, I'm inclined to say no, until told I'm wrong.

Wonderman

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On Kegi's bold bit, I'm inclined to say no, until told I'm wrong.

Wonderman

 

Thanks Wonderman I never get owt r8 :-x I'm speaking in latin now as well ? I think :cool:

 

kegi

 

jingle bells jingle bells to all:p

 

PS I vote for a poll ;)

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Got to be away all for the moment

 

But I will be back in the New Year, fighting for all

 

In the meantime it is obvious that I should pay my good xmas wishes to the following:

 

To all at Captsone mortgage sevices: get lost; you deserve no well wishes at all.

 

To Sced, Crapstone, Little Dotty, Midge, and other stalwarts well done for sticking in.

 

To JC and SS thanks for everything YOU HAVE DONE to raise the game.

 

For Sue thanks also for raising the bar, much though I may disagree.

 

To Wonderman also for interesting and renewed hope.

 

To the oft irritating ITBG? who just seems to have disappeared at an interesting moment?

 

In short. Merry Xmas to you all. You have between you such a combination of talent it is appalling that we still have to fight this fight. But fight it we must and so it goes on...

 

Very best Christmas wishes one and all!

Keep the faith. EiE.

 

Capstone Mortgage 'Services' - Sub-prime garbage - unlawful behaviour/MULTIPLE consumer abuse, TOTALLY in Defiance of REGULATIONS and the law

 

http://www.fsa.gov.uk/pubs/final/gmac_rfc.pdf

 

CONTACT CIB Here

 

http://www.insolvency.gov.uk/Complaintformcib.Htm

 

Kevin Hughes(Compliance Manager-main) @ 02920 380 633

 

Lee Jenkins(prosecuting Amany Attia) 02920 380 643

 

Mark Youde(accounts compliance) 02920 380 955

 

Charlotte Allan @ 0207 596 6108 investigating all the Lehman lenders

 

Jeremy Pilcher 0207 637 6231

 

NO KAGGA LEFT BEHIND...

 

"We would not seek a battle, as we are; Nor, as we are, we say we will not shun it"

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Got to be away all for the moment

 

But I will be back in the New Year, fighting for all

 

In the meantime it is obvious that I should pay my good xmas wishes to the following:

 

To all at Captsone mortgage sevices: get lost; you deserve no well wishes at all.

 

To Sced, Crapstone, Little Dotty, Midge, and other stalwarts well done for sticking in.

 

To JC and SS thanks for everything YOU HAVE DONE to raise the game.

 

For Sue thanks also for raising the bar, much though I may disagree.

 

To Wonderman also for interesting and renewed hope.

 

To the oft irritating ITBG? who just seems to have disappeared at an interesting moment?

 

In short. Merry Xmas to you all. You have between you such a combination of talent it is appalling that we still have to fight this fight. But fight it we must and so it goes on...

 

Very best Christmas wishes one and all!

 

Only you could come out with that lot EIE :D

 

Have a good Xmas and New Year then come back fully recharged. Best wishes to you and yours. And thanks for being so supportive to all on here and sticking with it through thick and thin.

 

Take care and don't forget your thermal vest.;)

 

xx

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