Tax credit overpayments, or that fact I have to pay it back :hmph:

Edit - Finding out that they were all paid into my ex's account, and although I knew nothing about any claim in the first place, I'm still liable for half :veryangry

Again :moo:

I’m not planning on going anywhere I’m a Crystal Palace fan, I enjoy reading the majority of genuine posters.

They’re just not as good

In that case, quit your whining, and you will enjoy it more.

That Nigeria has had the opportunity to become a great country with all the oil they have had but have fked it, due to corruption. Now as oil winds down over the decades they will have nothing. What a waste.

Like a balmier Scotland.

You are Michael Dummett (or perhaps his pupil?) and I claim my £5

Without flogging a dead horse, here is the actual photo about the math quiz from Facebook I was talking about:

https://s9.gifyu.com/images/math-pro...202b7caf22.jpg

This has to be "New Maths" because I sure as heck didn't get taught anything like this.

Why do something in three steps when you can do it five...

Five multiplied by three is clearly 5+5+5 and anyone who says otherwise is why the world is going down the toilet.

How about just 2 steps... 5 X 3 = 15

I think you've drifted into the philosophy class now

I think the maths question is practical for 5 x 3, but suppose the questions posed was 11 x 12?

It really would look silly (and impractical) to write 11 12 times across a sheet of paper. What purpose is there in that?

That is simply an abbreviation for 5+5+5!

Repeated addition strategy is helping kids who are bad with times table.

So 5x3 will be 3+3+3+3+3 so the child can know the answer by slowly adding the 3 another example is 4x6 will be 6+6+6+6

Etc.

We know our times table as we have learnt it by heart but the child is just learning

11x12 would be 12+12+12……you get the pic (I hope)

:)

Agreed but what we learned at Paxton:hi:

That fat bald grey Chelsea **** who always goes out of his way to make sure he is camera everytime Chelsea are on TV. What was he doing standing by the tunnel when the teams walked out. Acting like he's a dignitary. Fat c*nt.

Is that the head of stewards? I think I know him

The kid got it right!




The question was 5x3, i.e. you start with 5 and x 3 of them so:


5+5+5.


The teacher is a twat!

That's 12x3, not 11x12.

Back to school for you :D

Isn’t it 3x12?

11x12 is 11+11+11+11+11+11+11+11+11+11+11+11 = 132.


Most kids would do 10x12+12 - hell of a lot quicker to do mentally.


Hey Teacher, leave those kids alone! :D

I was going to post exactly this.

I hope these kids never have to play darts...

Seeing as everyone is playing riffmatic. What is Y.

DT+ DT + B + Y + DT = One hundred and eighty.

10?

You play with 5 darts? Is that a Tennessee thing?

:lux:

or double 5 ;)

As I’m currently reading 1984, apparently 2+2=5.

And don’t let anyone tell you differently!

I said I was playing 'riffmatic' not darts. Do keep up old chap.

Both of which should suit wcb.

I am imagining .....bizarre in a higher tone.

I think you are a written version of what annoys you...

You wrote a lot for someone that doesn’t care.

Your verbals above is the definition of...

Crybin.

HTH

The loss of life and suffering is annoying.

It will be nice to have fewer pigs feeding at the trough in the future. All the corrupt will be given fast track immigration passports to the UK or US.

I suppose it depends what was taught in the classes prior to the test. If the 5 threes method was instructed and that instruction is being tested....

Bastard screaming foxes, again.

I suppose foes and foxes are both correct.

I refer my honorable friend to my post above about 1984!

Sorted.

I probably shouldn't admit this, but I was reading this as "riff-mat-tic" and assumed it was some Internet thing.

Then I remembered the 3 "R's" thing. :embarass:

People who register on the BBS and post 300 times in two months and deny that they are a banned or an ex member. Grow a pair and admit it.

Fen? Most definitely.

Same. I thought it might be something to do with drums.

This blxxdy annoyed me
 

I haven't been on here for a while but wanted to issue a warning
My son was driving to work for the early shift, and at a set of traffic lights, the car in front of him stopped sharply when the lights changed from green to amber. He hit the back of it damaging it's bumper.
He is fully comprehensive, so rang his insurance company and was told as he was commuting to work he isn't covered.
He is obviously very worried as he could now face a very large bill.
To be honest he should have checked his policy more thoroughly, but when you took out your policy did anyone from the Insurance company mention this.
I checked my policy and not only am I not covered but if I was commuting to a place of study I also wouldn't be covered.
For those of us who thought that comprehensive ment comprehensive - Beware
To those of you that are saying I knew that, well I didn't
Most people use their car to get to work. Insurance companies hide behind these things to prevent paying out.
Always remember you were visiting a friend.
Rant over :veryangry:grrr::veryangry:grrr:
Apologies if this is in the wrong place

He’s forum equivalent to Millwall’s fan base. Like him, their entire existence is based around telling everyone who will listen just how much they don’t care.

That’s a shame that given COVID 19 his circumstances have needed to become more flexible in order to keep his job. Such a pity that this was literally an early shift when he couldn’t use public transport…I AM SURE THE INSURANCE COMPANY WILL UNDERSTAND THE EXTRAORDINARY CIRCUMSTANCES

Thanks, it’s a good warning. I know I’m covered but will be checking my sons policy

Unfortunately commuting is often now listed as “driving in peak periods”

I have sympathy. I got 6 points, had my car towed and a dirty great fine for driving uninsured, despite being fully comp on my own policy. I was driving my partners car to my dad’s to look at fixing something, can’t remember what, when I was pulled over by the plod. (ANPR showed female driver, Police see bearded male in driver seat).

Anyway, it transpired that under 25 years of age, driving other cars with their party insurance wasn’t automatically applied to the policy and that I had to pay a further £12 for it. I was 24 and 11 months.

Old Bill, who can use discretion, decided to **** me anyway.

Someone complains in the background about the Government during a live broadcast on the BBC. The BBC just lets the broadcast continue.
Someone complains in the background about the BBC during a live broadcast on BBC breakfast and they immediately cut away back to the studio.

They are happy to let protesters disrupt & make their political point, but not when it's directed at them!:supergrin:

Hang on....what? If you're driving to work you're not insured? wtf is that all about?

I had not heard of this either. Will be checking my policy tonight. Another ‘dark pattern’ from the insurance industry

You gotta hand it to the insurance industry though, that is a belter of an out clause.

Never heard of this before, wonder if they've tried it here? You would think it would be a known thing. However it looks like there are a few levels of comprehensive insurance and most should choose to be at least covered for commuting.... just in case.

https://www.which.co.uk/news/2021/04...catch-you-out/

Is it widely known or not?

Its also a massive legal problem too.

Its barely a new thing. It’s been a part of car insurance for as long as I can remember.

What if ferrying children to school then parking up so you can get your train on time. This is part of your commute so I guess would be filed under commuting?

I may be wrong but at renewal time I think I am always asked if my travel is for social and domestic purposes only or includes business use and commuting. Of course that assumes you speak to someone at renewal - most people probably renew automatically or use online and/or price comparison sites

I have learned that if you are driving for anything that would even resemble work that you need to be fully covered for commuting. Even volunteering I think.

I also presume that if working from home permanently you would still need to include commuting if there was the off chance of ever being called in and using your car.
I almost fell into a pitfall when my employer asked me to use my own car to go on a business meeting. Thankfully I realised after an uneventful journey and made sure they insured me for future use.

Is this insurers sneakily trying to avoid paying out since it appears drivers have decided things like stopping at red lights is no longer a thing since lockdown ended?

Using your car for work, yes. Using it to drive to work, meh. I mean, how many people drive to the station, for example? That presumably is classified as driving to work.

A quick search brings this up from Which...

There are six insurance classes of use you can choose from:

Social, domestic and pleasure: this covers driving to visit friends, go shopping, travel on day trips or holidays, and other day-to-day driving trips. It doesn’t cover driving to work. During the pandemic, people with this class of insurance were temporarily covered to drive to work, but from 30 April that won’t be the case.

Commuting: this covers all of the above, plus commuting to work. This includes driving to a train station and leaving your car there while you get the train the rest of the way to the office, and it also covers driving someone else to work.

Read more: https://www.which.co.uk/news/2021/04...catch-you-out/ - Which?

That doesn’t make it right

Well, in my 35 plus years of motoring I have never heard of it.

Thanks for the interest
this is from my certicate of insurance, which is online and I admit I never look at

Limitations as to use
What's covered:
● Social, domestic and pleasure use.
What's not covered:
● Travelling to and from one permanent place of business or study.
● Trade, business and professional use and any use connected with the motor
trade, hire or reward.
● For racing on a public highway.
● Use at any event where your vehicle is driven:
● On a motor-racing track, including de-restricted toll roads such as the
Nürburgring
● On a prepared course
● At any off-road event, such as a 4x4 event
● At an airfield.

I always thought that getting to work was covered as you are not running a business with your car, and it is one of the main reasons for getting a car

I've always been aware of the need to insure for commuting.

Odd that different people have different experiences of this.

yeah its always one of the questions when you apply for insurance, are you using the car for social/leisure or for commuting too. Surprised that so many people havent noticed this.

Not sure what difference it makes if you are using car for leisure or commuting though, as long as the total mileage doesnt exceed what you've specified.

I don't use it to commute... or do I?

I use it take the kids to school. I then leave the school and take a bus to work. I return on the bus to school, collect the kids and use the car to drive the kids home.

I've been driving since the 1970's and wonder if over the years travelling to work has moved from the covered list to the not covered list.
I am with a reputable company, renew fully comp every year and don't remember being asked the question, may have been at some stage.
All I hope is a few people check their cover.

(I don't anymore thanks to covid)

This is my recollection. I'm sure the specifiction always used to be, "Social, Domestic and Pleasure, plus driving to one fixed place of work"

I haven't however driven for close on 15 years, due first off to not being able to afford it and for the last 10 or so due to health. I must say, with all the brain-dead arseholes now on the roads ruling the roost I don't miss it.

In my experience they now phrase it as "Driving in peak periods", as there's no real way to prove you're driving to work if you just say that you weren't.

Insurance is simply a racket. I don’t know anybody who doesn’t work in it that disagrees…

We had a trip planned and purchased trip cancellation insurance. When we cancelled the trip and looked into making a claim on the insurance it became obvious it was a waste of time.

Apparently being advised by a US Government Agency not to travel to the destination due to COVID and being upgraded to a red level country is not a reason for the insurance to pay out.

Seems the hotel being destroyed by a hurricane, a terrorist attack, plane getting hijacked, war being declared to name are few are the only triggers for them to pay out.

Fortunately the hotel we planned to stay at has given us a rain check for the next year, so not lost the money (yet), but in all honesty at this stage would rather have just got our money back.

Pretty much you or your traveling companion have to die for the insurance to be effective.

It's simple. If insurance is required by law, buy the absolute minimum coverage. Otherwise don't insure.
I have always done this. Maybe you could say I've been lucky but I've never had the need to make any insurance claims so the money I've saved over the years by not paying insurance will easily mean I'm quids in even if I write off the car tomorrow.

Vinted app and their crappy ******* adverts everywhere I look

Electronic stores and goods are the ones that get me... all try and push insurance. Touch wood... never had a "gadget" that crapped out after the initial 30 day return date. Probably saved thousands over the years on not getting the "optional" insurance.

Same with extended warranty on cars.... but boy do they push them!

The arrogance of people who think as they are Intellectuals (or in most cases think they are there really just delusional) and as such better people because they can spell properly, and know how to punctuate. Ignorance is bliss. So you can beat me at scrabble who gives a shit. My philosophy is simple like me, anyone can be as good as me no one can be better.

You are a c~nt.

Classy west country boy classy did I hit a nerve. I won’t go to your levels of being a bully all be it on a keyboard. I am happy to be me, it’s a shame you were obviously bullied at school let it go:love: :p

Agreed.

Another little boy bullied let it go your life will be much happier.

As one of the BBS's worst spellers, and someone on the BBS's Grammar Police's most wanted list, you have my sympathy.

Probably didn't help your cause by the last couple of sentences though. :rolleyes:

Disagree with this Woolfie. The insurance industry enables business and commerce at all levels by transferring risk that otherwise would not be bearable. You may not like it, but its undeniable.

Little boys, eh…

Nah, I can’t have biggin’s noncery diluted. You’re just a ****.

Parents at Grassroots football. Especially the ones who hide in the car or pretend not to know the offside rule when a linesman is required. Absolute c@nts who don’t support their kids

Like I say little boy and I mean little boy or little man whichever you prefer, just let it go little fellas like you get all wound up on there keyboards, I wouldn’t want you banging the enter button to hard you might hurt your widdle finger.

Hmmm. Having worked in grassroots football for many years I know of many parents that do that due to the dogs abuse they get from other parents. It's a thankless task tbf, though I understand your sentiment

Point taken Hedgehog

I honestly am sorry to the posters, trying to have a chit chat, with my size 10’s butting in. There are 3 or 4 people who have taken exception to me with no reason, look at my posts until utterly abused I haven’t even retaliated. So sorry I can’t seem to escape them it’s almost like they are trolling me, now there’s a thought.

On subject I to worked at grass roots football, parents should be banned as far as I’m concerned, just two quick and pathetic examples, Back in the late eighties Cambridge as other counties had a share of migrant asylum seeking Vietnamese. A young lad who had no papers or birth certificate played in an under 14 game, upon scoring a loud cry came from the opponents parents quote take his trousers down we can then see how old he is I abandoned the game. The other was pretty common tackle boy break his leg if you have to. Absolutely disgusting.

Caring Bank adverts. Just because they have a black horse galloping along the beach doesn't mean they are not gits. Not just the black horse.

Heh, i guess the same shit that had Crybin crying all over the shop upsets Big Man Fen too. Good to know.

All I want is for someone anyone, even a little boy like you to tell me what Crybin means.

And I can assure being a big boy not a tear has tainted my manly cheek.

All I want is for someone to tell me what Crybin means ? Even a little boy like you who posts and jumps threads. I can assure you not a single tear has run down my manly cheek.

I definitely believe you, tough guy.

Have you mentioned that you don’t care yet?

Edit, oh my. Crybin is rattled indeed. :D

Threads that go apeshit with abuse and feuds - what's the f*cking point?


Really annoying!