MSE News: Mortgage blow as building society hikes SVR

VIGILANT22

[QUOTE=sarahbennett
I didn't mean to offend you Vigilant22, but you do sometimes say things with a great deal of authority. That is not appropriate, given you are often shown to be wrong, and appear unwilling to back things up that you say. If you are to continue to be authoritative and/or dogmatic I'd appreciate your backing up your statements a bit better. For example, perhaps you might include the odd reference, or URL link, or some other post, or even some background as to how you are an expert (e.g., relevant experience), that would be helpful to others reading this thread. Otherwise there is the risk some people will interpret you are an authority, just because you are authoritative.[/QUOTE]

Hmmm...No I don't think I am "often shown to be wrong"...

How you have the audacity to write "continue to be authoritative and/or dogmatic"....and how would you describe your "chapter and verse" on this thread.

I have neither stated I am an expert or am obliged to state "relevant experience"...it is immaterial on an open forum...

Quote: Otherwise there is the risk some people will interpret you
Allow people to interpret my posts as they wish, it has nothing at all to do with you how they interpret them....you're not the guardian angel of the thread......

Your posts are becoming tiresome ..In fact reading that post back sounds like Sarah Bennett describing Sarah Bennett......:)

ps...Such a shame you edited this post...I much preferred your first post.."Of course I do I am a member"!!.....:rotfl:
Quote:
Originally Posted by Thrugelmir
Do you have inside knowledge of the financial circumstances of the Skipton?

Thrugelmir

sarahbennett wrote: »

Why should I switch? I'm perfectly happy with the deal I have with Skipton I just want them to stick to their side. I believe though, that they will be held accountable, we have a strong case.

Its a fair assumption that you have good reason for staying with the Skipton BS. As there are plenty of competitive deals in the market that are far better.

Have you thought of the consequences if Skipton were to lose the case , and be taken over themselves?

howardtheduck

"Sometimes, quite cleverly, organisations do things that are illegal - one example may be supermarkets being hit by fines lower than their profits of continued illegal trading. Illegality is only going to deter those who are convinced the balance of the penalty will be to their detriment, or it may deter those with moral backbone."

Should any reader require further proof of the veracity of this statement, I refer you to the contemptuous behaviour displayed by corporations towards human beings in the cases of the 'Radium Girls' and the Ford Pinto (specifically the 'Ford Pinto Memo').


Vigilant22, you state that you are neither "an expert" nor "obliged" to state "relevant experience". In defence of your ignorance of all things legal, you rather lamely plead that "it is immaterial on on open forum". Well, let me tell you that I do have relevant experience of "drafting" and the rules of construction in contract law as I am a trained lawyer (since 2001). Hopefully now, people will pay a little less attention to your posts and a little more attention to mine if they are genuinely looking for a "learned opinion" (excuse the pun) on the law as it stands rather than the opinion of someone who has, by his own admission, no legal training whatsoever.

Thrugelmir, the matter to be decided by the courts is a legal one, not a financial one. However knowledgeable you may be in your chosen field, the relevant subject matter falls outside of it. The systemic aspects and/or financial consequences are purely academic. What matters is the strength of the legal case that Skipton borrowers have against Skipton. Nothing more. Nothing less.

"When you combine ignorance and leverage, you get some pretty interesting results." (Warren Buffet)

Warren Buffett (that's Buffett (your hero) spelt with two t's Thrugelmir) is also attributed with the quote "Only when the tide goes out do you discover who's been swimming naked"

I'm guessing you're going to authoritatively tell all the ladies on the beach that "it's just a very cold day", when the tide goes out on you.

(IANYL)

Thrugelmir

[QUOTE=howardtheduck;31428721
I'm guessing you're going to authoritatively tell all the ladies on the beach that "it's just a very cold day", when the tide goes out on you.[/QUOTE]

There's no bottomless pit.

Have you thought of the consequences if Skipton were to lose the case , and be taken over themselves?

As you say legaltities will decide the outcome.

Though the consequences are potentially financial.

So where does your interest lie? Personal or business..... I wonder.

VIGILANT22

[QUOTE=howardtheduck


Vigilant22, you state that you are neither "an expert" nor "obliged" to state "relevant experience". In defence of your ignorance of all things legal, you rather lamely plead that "it is immaterial on on open forum". Well, let me tell you that I do have relevant experience of "drafting" and the rules of construction in contract law as I am a trained lawyer (since 2001). Hopefully now, people will pay a little less attention to your posts and a little more attention to mine if they are genuinely looking for a "learned opinion" (excuse the pun) on the law as it stands rather than the opinion of someone who has, by his own admission, no legal training whatsoever. QUOTE]

I trust nobody will pay a "a little more attention to your" posts....you can't even pay attention to detail! Quote :I have neither stated I am an expert or am obliged to state "relevant experience"...however you choose to say I have posted "you state that you are neither "an expert"...:)
Trained lawyer and you can't even quote correctly.....

Lawyer huh!...anyone who feels the need to elevate themself by posting an "occupation" on an open forum is questionable...

Anyhow we all know what they say about ducks...and in this case it is 100% correct.......:)

Thrugelmir

VIGILANT22 wrote: »

[QUOTE=howardtheduck


Lawyer huh!...anyone who feels the need to elevate themself by posting an "occupation" on an open forum is questionable...

Anyhow we all know what they say about ducks...and in this case it is 100% correct.......:)

I did chuckle that "I am a trained lawyer". Seemed intent on belittling forum posters for their errors than really adding to the debate.

In business I have a word for people like that.

howardtheduck

"I have neither stated I am an expert or am obliged to state "relevant experience"...it is immaterial on an open forum..." (Verbatim extract from Vigilant22's post)

Below is a verbatim extract from my post that result in poor Vigilant22 getting his knickers in a twist. I won't use quotation marks to enclose it lest it confuse him.

Vigilant22, you state that you are neither "an expert" nor "obliged" to state "relevant experience".


In your post you do indeed state the following:

1) "an expert"
2) "obliged"
3) "relevant experience"

So what exactly are you disputing? (Please don't respond with "the numbers and brackets weren't in my post" or words to that effect. Let's leave the semantics to the lawyers shall we?)

As for feeling the need to elevate myself by posting my occupation on an open forum, nay sir, it is not questionable, but imperative that I do so. Indeed, I would venture to say that it is of paramount importance in order to clarify that I am suitably qualified to post rational, cogent and detailed legal argument (supported by evidence) in support of my case (which incidentally, is everything that is lacking in all of your posts).

Ruth

Funnily enough, I was at a meeting earlier this month when someone who:
(a) definitely knows what they are talking about; and
(b) hasn't got any reason to lie about it
stated categorically that "Skipton had got FSA approval at the highest level before they made their SVR change".

Obviously, sarahbennett won't believe this to be true, but it is. And no, I can't name the person who made this statement.

Whether approval at the highest level in the FSA will be sufficient to prevent all the other routes to a remedy which sarah has mentioned, I'm not sure. But I wouldn't be placing bets on winning against the might of the top echelons of the FSA who felt seriously enough about the survival of Skipton to ignore their own previous pronouncements about things not being shown in KFIs not being binding on the borrower.

Pincher

jdw2000 wrote: »

Can somebody please kindly sum up the latest news on whether we can get Skipton to honour their promise of not put us more than "3% above the BoE base rate".

I'd really appreciate that, rather than reading through 20 pages.

I missed the last 15 years of East Enders, can you help me catch up by summarising that?

Any way, big bad Skipton Building Society said to sarahbennett it will love her forever, but cheated on her a few months ago, which made her mad and want to destroy Skipton. Neighbourhood know it all Vigilant22 has been stirring up trouble by telling everyone they are wrong. Thugelmir is taking Skipton's side and telling everyone poor Skipton just wants to be loved. All the while, Thugelmir and sarahbenett have developed feelings for reach other they do not understand. See the exciting blockbusting episode next week, here on........ MSE Skipton.

Thrugelmir

Pincher wrote: »

I missed the last 15 years of East Enders, can you help me catch up by summarising that?

Any way, big bad Skipton Building Society said to sarahbennett it will love her forever, but cheated on her a few months ago, which made her mad and want to destroy Skipton. Neighbourhood know it all Vigilant22 has been stirring up trouble by telling everyone they are wrong. Thugelmir is taking Skipton's side and telling everyone poor Skipton just wants to be loved. All the while, Thugelmir and sarahbenett have developed feelings for reach other they do not understand. See the exciting blockbusting episode next week, here on........ MSE Skipton.

I'm just waiting for Judge Deed to be appointed to hear the case.