Saffron

emc Wrote: ------------------------------------------------------- > So.... They had this woman on cctv in both > branches she went to and were happy to confirm it > wasn't me . However all she did was pick up a cash > withdrawal form in the bank - she didn't present > any bank card, simply filled in my name (my maiden > name, yet all my accounts are in my married name) > my address, my sort code and account number and > did apparently a v accurate signature to the one > HSBC holds on file without any other forms of ID > asked for. HSBC apparently don't require any other > forms of ID in transactions up to ?1000. I don't > buy this. When I've had to get large sums out for > builders or whatever over the counter I could have > sworn they've asked me for other ID. I just cannot > believe she was just handed this sum of money > without being asked for ID. Also the cashier at > the second branch would of been able to see that > just an hour before she'd withdrawn another large > amount but apparently did not question this. I'm > assuming that this woman got my bank details from > my 'lost' debit card but she could not have > 'learnt' my signature from it as the signature on > my debit card is my married name. And how did she > know my address? I'm glad I'm getting my money > back but know HSBC has f***ed and aim to prove it. > And yes, I will be moving banks. I was in HSBC today. Unfortunately my debit card has been damaged, and while waiting for my new one to arrive (could take up to 14 days?...Where is it coming from, Pluto?) I had to make a small cash withdrawal. When I was filling in my details, I had a chance look at the back of the form. There is an area that the cashier must tick. The cashier must tick that the individual is known personally to cashier, or that the individual is known personally to another named individual (eg, cashier's boss or another teller working with the cashier). If neither of these is the case, then the cashier has to fill in the box to note that 'suitable' ID has been checked, but it didn't specify what that ID has to be. So, possibly down to the branch guidelines or discretion of teller. The teller also checked my signature very carefully, and even had me re-sign to be thorough, because I signed with my initials + surname. Whereas, the signature they have on file is my first name + surname. In light of that, it seems very suspicious indeed that money was withdrawn so easily from your account. I think HSBC should have been way more proactive about this. If you have a payment that has bounced, I think they should compensate you fees/inconvenience. From your description of events, it's certainly not your fault, and it seems the bank is slack in enforcing their own guidelines in this case. xx

Tallulahdoesthehula Wrote: ------------------------------------------------------- > BlueOrchid Wrote: > -------------------------------------------------- > ----- > > Sorry that previous response was to the first > > comment. > > > > To respond to the second comment - they are > both > > lawyers. I don't think I can threaten them with > > court. > > > > Also - I want to be on good terms with my > > neighbours - and more than the money it saddens > me > > that this is an indication that we are not > going > > to be living next door to people who are > > considerate. > Of course you can! If you can prove their > scaffolding caused your Sky to fail then they will > just pay up! > But it's not enforceable? > You need it in writing from the sky engineer that > this was the cause. Once you have that I think > they will be unlikely to argue. > Based on the fact that they have already repeatedly ignored requests?

Just keeping putting the word "fraud" in all your written communication, and be sure you state the word directly with all your phone conversations. And keep reminding them that the clock is ticking, i.e. this happened over X hours ago, or X days ago. HSBC made a mistake with an incoming overseas transaction to my account. After a couple of polite emails about the whereabouts of the incomings funds, I sent a couple of messages stating that I thought I was the victim of fraud, and that I was waiting over X numbers of days for them to make a satisfactory response. I got an immidiate reponse, my money, and a small payout for their cock-up. Just keep pestering them. This is a criminal matter, and not your fault. They are insured, and if they don't investigate it properly, then they themselves become guilty of fraud. Indeed, until this is fully investigated, there's nothing to say that this wasn't an inside job coordinated by bank employees. So, a comprehensive and timely investigation of the matter is paramount, and it should include returning your funds for which the bank is insured. Good luck, and don't give up! xx

Did you also file a police report? The bank should be ensured for fraud.

You have signed off to their building works, no? And, as Loz says, there's no legal issue concerning line of sight (it's not a right under the conditions you've set out above.) The scaffold is not permanent. If I were the neighbour, I would have probably offered a contribution towards Sky engineer. However, if it were my Sky dish, I wouldn't have even asked the neighbours for a contribution. I would have just paid it all myself, as one of the hazards of high density London living. It's hard to say, of course, what effect your actions have on your neighbours, as we only have your version of events. Needless to say that you certainly feel slighted. Fair enough. You're unlikely to get any money from them, as you have no legal basis to do so it seems. So I guess the thing to ask yourself is going to be whether chasing up the money repeated really IS going to sour the relationship, and whether you're otherwise able to let it go? In contrast if you really do want to persue the money, be as direct and straightforward as possible, with as much supportive evidence as you can offer. But tbh, I wouldn't be surprised if you get nothing. :( xx

No, but now it's in my head for the rest of the night. Curses!

mima08 Wrote: ------------------------------------------------------- > Done. Both. There is also a good site by the > independent on 5 practical things you can do to > help.. Sorry, don't seem to be able to post the > link but if you google " independent 5 practical > things," it comes up at the top. > Mx http://www.independent.co.uk/news/world/europe/5-practical-ways-you-can-help-refugees-trying-to-find-safety-in-europe-10482902.html This one? xx

We didn't do it for that reason (and we weren't in close contact with anyone high risk obvs). Decision to take the BCG is not as clear cut as the other childhood imms IMHO. xx

You can also do container ponds ('pond in a barrel') for small spaces. Depending on the types of plants you choose, you may not even require a pump, because the plants stabilize carbon capture and the nitrogen cycle in the water. If you do need/want a pump, you can get solar-powered pumps for an eco-friendly pond. Prefab fiberglass kits can be eye-wateringly expensive, but if you do a little online searching you can find cheaper components. I'm sure there must be a local-ish garden centre that has pond plants, but I can't remember! Anyone? xx

There's some relative perspective to it though, surely? Some interesting thoughts here: http://www.treehugger.com/green-food/artificial-turf-versus-real-grass-which-is-greener.html If the alternative would be slabs, then eco-friendly artificial turf over soil might be better? (Yes, you can get eco-slabs that improve soil drainage, but small children still can't rough-n-tumble on it like turf.) You could offset the loss of greenery by having a container garden surrounding the artificial turf to act as a carbon sink and to attract wildlife.

Oddiegirl3, are you more concerned about the actual process (researching, form-filling etc) involved in moving schools, or the social effect that moving/delaying moving will have on your family? For our situation, I'm really not concerned about finding a place in a good school, as there are many. We've just got a long list of things that we need to tick in priority along the way! Humph. Regarding how quickly (or painlessly!) you can move, what notice will you need to give at your current job? Will you need to find a local job? Will you need to give notice to your tenants in FH? Are there suitable rental properies near any of the schools you might want? Argh. Moving was so much easier pre-kids.

I'm not sure you'll be able to get a straightforward answer on vacancies. My understanding for state schools was that you can generally only apply for mid-year or interupted intake places up to 4 weeks in advance, and that vacancies can shift notably in short spaces of time (people moving house, transferring in/out for various reasons). So, a vacancy at the time of application is not a guarantee of a place. Would love to know if you hear back anything productive from the LA. We are considering a work-related move, and will need to move schools. I want to move in Dec/Jan. DH wants to wait till next summer. Hmmm.

I've used NuvaRing in the States ~10 yrs ago. Not sure if it's available here now. http://www.nuvaring.com/consumer/

I think this is not uncommon. My daughter went to nursery 3 days a week, and she had plenty of poo accidents. Argh! But we got through it. Sometimes being at nursery actually helps children potty train, because the group environment is very supportive. I would speak to your HV/GP and nursery about it and make a plan of action that everyone agrees on. xx

http://edition.cnn.com/2014/07/08/health/iud-cancer-risk/

The idea that coils are not for use in women who have never had a baby is based on old guidelines. This has now been surpassed by new research which concluded that both copper coil and Mirena are safe and effective in nulliparous adults and teens. xx

National Maritime Museum has lots of interesting stuff for kiddies, though the caf? is outrageously expensive. I would opt for packed lunch or child-friendly pub. xx

I had a coil (copper IUD) fitted before I had my daughter (~10 yrs ago). I did find it fairly painful, but I don't know how much a local anaesthetic would have helped. My understanding is that the pain is from the dilation of the cervix and associated muscles. This type of pain can be difficult to mediate with local anaesthetics. Curious to know what type and how much anaesthetic they use? For me the pain was like the worst period pain you can image, but the pain slowly faded over the course of ~12 hours. I think it helps if the person fitting your coil is very experienced. Because I was nulliparous (never had a pregnancy) at the time, my coil was fitted by the most experienced nurse at the gyne clinic. She was fairly quick. (I also thought having the coil removed was very painful. However, the pain didn't last at all. I was 100% fine, no pain at all, immediately after the coil was removed.) So of course when I wanted to have another coil fitted at 6 weeks postpartum, I was a little anxious. Actually it was fine, not painful. The cervix is much more pliable after child birth. However, that doesn't last forever... my friend had her children in her early 20s, then decided in her early 40s to get a coil. In the intervening years she had done a lot of yoga and pelvic floor exercises. On her first appointment, the nurse was unable to get the coil fitted because her cervix was so tight. It turns out that after about 10 yrs (depending on age/health), your cervix will return to a tight nulliparous-type state, making it much less pliable. This was so traumatic for my friend, that she had to be rescheduled with a more experienced clinician and given a dose of valium pre-procedure. She was successful in the end, so I hope that doesn't put you off! She's really pleased to have had the coil fitted. All of this is reminding me that my current coil is now expiring, and I want to change from copper IUD to Mirena IUS... If there is local anaesthetic on offer, I'll definitely have it. But I'll still get a coil even if there isn't. Hope that helps. Feel free to PM for any more details. xx

My friend Fiona Tanner is a London-based makeup artist, who does amazing makeup lessons. She did my wedding makeup, then I had a brilliant makeup lesson with her a couple years after my daughter was born. You can do these as group. It makes a really fun evening. Here is her website: http://www.ftmakeuplondon.com/services_makeup.php She gives great advice on makeup bag essentials. xx

Is there an address in Brighton? Possible to coordinate delivery of online purchases for foodstuffs to be accepted to Brighton address?

Is it really his speech that is delayed, or his vocabulary? Bilingualism does not cause true speech delay, but bilingual children may take longer to display a range of vocabulary. Hope you get some answers from the evaluation. If there is a problem, catching it early is best. Sounds like you're doing a brilliant job with your LO. xx

Makes LSD seem practically posh!

DulwichFox Wrote: ------------------------------------------------------- > Saffron Wrote: > -------------------------------------------------- > ----- > > In England, in 2012 there were 6,490 > > alcohol-related deaths... Let's ban it. > > Hmmmmmmmm. Maybe not. > > Nitrous Oxide can kill some one on their first > hit. > DulwichFox Not strictly true. It can only kill a person with a predisposition to certain health features, which are quite rare. Also the overall cost of alcohol to health is much greater than nitrous. Nitrous may (depending on circumstances) present a greater risk to the individual, but alcohol presents a greater risk to society (as well as vulnerable individuals). But don't get me wrong, I don't want to ban alcohol. I'm with Prof Nutt on this issue. And I also agree with JB, that resources would be better spent elsewhere. xx

Spanish omelette has to have potatoes with the eggs (and generally onions), frittata doesn't have to have potatoes/onions. Frittata can have anything with the eggs. It should be finished in the oven, whereas sp omelette should be fried on both sides. Sp omelette and frittata differ from a standard omelette in that they have ingredients mixed throughout the eggs, whereas omelette is folded over the ingredients.

Louisa Wrote: ------------------------------------------------------- > A burrito isn't pretending to be a kebab *Bob*! > Unlike s friggin fatata acting like its gold dust > when we all know it's a poncified omelette! > > Louisa. But the problem here is not the dish itself. It's the person serving it. An omelette (or and omelet for that matter) and a frittata, are not the same dish, and where I grew up (overseas) neither one is posh. If I asked for a frittata and got an omelette, I would be really disappointed. Anyone who is serving a frittata as 'poshified' omelette really has no culinary understanding of either one, and is probably just a twit. Saying a frittata is posh omelette would be like insisting that beef wellington is a posh meat pudding. Indeed, though they have similar ingredients, the dishes are different. It's the person who is poncified, not the dish.