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ckn last won the day on December 6

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About ckn

  • Birthday August 9

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  1. It hasn’t changed anything on here, especially if you want to be banned outright In reality, this is why jury trials are one of the worst ways to find an answer as lay folk tend to get conned by expensive lawyers more than an experienced judge ever would.
  2. I was made redundant when Nortel Networks died in 2001 and I left with mixed feelings (excitement, happiness and joy). Seriously though, I was relieved to the point that I felt the stress just drain out as I left the building for the last time, I slept properly that night for the first time in months. Truly toxic job and I wish I’d walked out earlier as well.
  3. Five posts deleted, one person given a short suspension from the forum and a final warning. I'll leave this locked to settle down until later as there's too many people getting over excited on this subject.
  4. I think it was the refusal of you and a certain Saints supporter to back down over a set-to you had that finally tipped him over the edge. And I agreed with him. Play nicely and we'll leave that history to rot in the archives of t'interweb.
  5. It was that ever so nice @John Drakewho you wound up repeatedly, if I recall correctly.
  6. 5 posts removed. Keep politics out of this please.
  7. You’ll get the hang of it again quickly. Just think of it like a massed Doctor Who episode. Most of the same folk, many with different names to when you were last here, most are pretending that they’re not the same person who was banned.
  8. In a sign that I have completely corrupted my wife, we were watching NCIS and they mentioned Nietzsche. My wife said “there’s nothing he couldn’t teach you about the raising of the wrist”. She then swore. I win
  9. A bit of a self-congratulatory post here, feel free to jump on ahead. Six years ago, I almost went bankrupt, I was down to beans in my £5000 overdrawn account paying for healthcare for my wife that the NHS should have covered. I counted it again last week and the total outlay is £353,298 to date on directly attributable costs. We went to PayPlan as a last-resort "help, we're screwed" and they convinced our £43,024 of unsecured creditors to give us an IVA (Individual Voluntary Arrangement) instead of bankruptcy as we had no assets beyond a house with hefty mortgage and our car. The creditors were outstanding on this and agreed a 9% payback (9p in the £1, meaning £3872.16 in total) on the condition we payed back more if we could, this was genuinely a good-faith agreement from them. I will be forever grateful for Barclays, Halifax, MNBA and our Council for unanimously agreeing to this after reviewing our reasons for debt statement. It doesn't half mitigate the "soulless capitalism" view many have of finance and bankng firms. That gave us the headroom to make trivially low payments towards the IVA and stop worrying about the massive debts facing us every day. That was a light in the dark moment for us. The debt letters and phone calls stopped that week beyond a couple of "don't worry, we're now stopping these as you've done the right thing" letters. I paid the last payment to my IVA last year, 100% repayment, including 8% statutory interest and IVA fees. (PayPlan had a fixed fee that was only payable if I actually paid it off, and NONE in advance). I did my damnedest to repay the creditors' faith in me. Last week, the IVA and debts fell off my credit score. I have a mortgage that's in great order and a credit card that I put a McDonalds on once a month to keep it alive, beyond that I owe nothing. That's given me this Experian credit score: I didn't even know you COULD get there as I thought it was a theoretical max. So, a bit of hope out there for anyone in debt. Address it, bite the bullet that it's going to hurt for years to fix it but there is a definite light at the end of that tunnel.
  10. I’ve heard quite a few good things about The Mandalorian so went looking for it to watch. In the UK, it’s not out until March for some strange reason. This is why people pirate copyrighted content in these days of easy internet downloading.
  11. I’ve woken up this morning with a thumping headache and my eyes feel like they’ve been poked all night. I’m thinking the prescription or lenses must be wrong
  12. My reading prescription increased and the optician also said that I’m starting to struggle with longer vision, although I still have excellent vision way beyond 20/20 for longer range. His view was that I’m starting to have to strain to maintain that so I should wear a very light long-range lens to protect it. Asda opticians don’t charge extra for varifocals so he said I should consider them. I got two new pairs this morning, and they’re bloody awful. I overwhelmingly will move my eyes to look at something rather than my head and the persistent vision distortion of anything but straight on at long and down at short is giving me a headache. I can’t even type on this thing and have had to go back to my old reading glasses. Even when looking straight at something perfectly in focus, my brain hates that the peripheral vision is fuzzy. Am I just being a princess about it and I’ll get used to them, or have others had this issue and had to get rid of them? I’m very tempted to just tell them to swap them for reading prescription and I’ll suck up the strain for long range.
  13. Some holiday pics from earlier this year, sorted by rainbow colour. Red: Orange: Yellow: Green: Blue: Indigo: Violet:
  14. Why is it a disaster? It keeps us within our means. Look at Bradford. We don’t have many (any) SL clubs grumbling that they have spare cash that they want to spend. Even if you did manage to stop that, you’re just going to make sure that the deepest pockets wins most years. No thanks.
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