So about this supposed 12.45 appointment with Mr Kipper. Why did she write that in her diary at all?
Per some accounts, perhaps unreliable ones that got cemented in later, she left the office while her manager was still there. OK, but if MG was still there and the viewing appointment was genuine, why put an entry in the diary at all? Why not just tell him and go?
Next, when and how did that "appointment" get made? That morning she had been in contact with her bank and the PoW about her missing items. Yet the two most obvious slots to go and pick the stuff up were apparently blocked - a 12.45 viewing and a 6pm viewing after work. Nobody had ever heard of any Mr Kipper, so this 12.45 appointment must have been made by phone but before she spoke to the PoW. So when did she speak to the pub, when did she arrange the viewings, why did she apparently change the pub visit time, and what was her intended schedule around all this?
If the first call arranged the pub visit for 6, she didn't need a second call to change it because as has been pointed out she could have just turned up at 7. If the second call was to move a lunchtime visit to 7pm to allow a viewing at 12.45, which was imminent, why did she need to write that into her diary anyway? Was she going to forget that quick?