Tragic case... "This website has failed"

Graham_Devon

RenovationMan wrote: »

I dont mind you quoting me Graham if your subsequent post is something to do with what I have said. If your just talking about the thread then create a new post, rather than a 'quote post'. Its forum etiquete and it helps prevent exactly the sort of confusion and annoyance that your two posts caused.

Or just stop taking everything so personally, when its clearly not. If everything that is said by someone who quotes you is seen by you as a personal attack, we dont stand much chance.

Had enough now of the whinging over and over. I keep trying to end it, by saying apologies for offending but I'm not trying to and didnt realise I was, but its never enough and you simply wont accept the apologies, so now you come and accuse of not conforming to forum etiquette now and causing confusion and annoyance.

Never had a problem with forum ettiquette with any other poster, and I'm not about to jump through hoops to please you.

Neither do I wish to argue with you, though my thoughts on you have completely changed, unfortunately, and it saddens me to say that. Sure that works both ways. So I say good day.

tara747

breadlinebetty wrote: »

That's dreadfully sad. Unfortunately, you'll always get people giving 'advice' when they're actually clueless, or worse, deliberatley trying to harm. Had the poor chap bought back in 2004 his whole life would have been different now.

The people who run that website (home-owner wannabees) should hand their heads in shame.

StevieJ wrote: »

Then again he may have been paying rent instead £20 to Ma , and I think you know that those safe savings accounts are not coming up with the goods. Maybe he should have gone 100% in 2004 and paid a quarter of his mortgage off

That's crystal ball stuff from both of you! How do you know? He hints that he would have needed a liar loan to get a mortgage. I doubt he would have survived long when IRs rose from 2004-2007. He would probably have been repoed at that stage.

But we are all speculating.

I agree with those who say that you need to work and save hard to buy a house (which is why I'm so puzzled by all the 'why don't you just buy already' comments from some of the bulls). In fact, I was appalled at the 'easy ride' house buying that went on during the boom, with self certing and stupid salary multiples.

I think that each person needs to take responsibility for their own life and decisions, and this guy SHOULD have been saving from 2004 to now! I mean, what has he been doing all that time???? If he hasn't been saving a deposit, why not? Doesn't he want to buy a house? Where does he live?

Sorry, but that HPC thread is getting less believable by the minute.

AD9898_2

StevieJ wrote: »

Then again he may have been paying rent instead £20 to Ma , and I think you know that those safe savings accounts are not coming up with the goods. Maybe he should have gone 100% in 2004 and paid a quarter of his mortgage off

Steve, as a mortgage holder I thought you'd know that if you took a 25 year mortgage out in 2004, there is no chance that by making normal repayments you'd have paid a quarter of the mortgage off. Hell you'd be lucky if you'd paid off 10%.

RenovationMan

Graham_Devon wrote: »

Or just stop taking everything so personally, when its clearly not. If everything that is said by someone who quotes you is seen by you as a personal attack, we dont stand much chance.

Had enough now of the whinging over and over. I keep trying to end it, by saying apologies for offending but I'm not trying to and didnt realise I was, but its never enough and you simply wont accept the apologies, so now you come and accuse of not conforming to forum etiquette now and causing confusion and annoyance.

Never had a problem with forum ettiquette with any other poster, and I'm not about to jump through hoops to please you.

Neither do I wish to argue with you, though my thoughts on you have completely changed, unfortunately, and it saddens me to say that. Sure that works both ways. So I say good day.

I didnt realise you were apologising, TBH. I'm happy to accept it, it's no big deal Graham, but you asked why I was getting to 'het up' and so I explained why. I enjoy the debate, so I am really happy when people quote me and enter into discussion about what I said.

Perhaps I'm to blame because I often go off-topic. I contribute to many threads on here, some where I agree with the subject matter, some I dont agree with the subject matter and sometimes I'll post in threads where I think the subject matter is something I really dont want to comment on but within the thread is something I do. I therefore may pick up a point that has nothing much to do with the thread and just discuss that. Perhaps my off-topic comments cause confusiona nd so I should stop it.

For the record, I havent changed my viewpoint on your good self. I still see you as 'one of the good ones'. I see AD in the same way TBH, though I dont agree with some of his negative views and especially the one where he says that people who have, what he has decreed as, 'too much' debt should be punished by punative rates.

StevieJ

AD9898 wrote: »

Steve, as a mortgage holder I thought you'd know that if you took a 25 year mortgage out in 2004, there is no chance that by making normal repayments you'd have paid a quarter of the mortgage off. Hell you'd be lucky if you'd paid off 10%.

Let us settle for 25% of the payback time, plus the chances are that the final five years will be a relatively small amount so we are possibly looking at the tough part of your mortgage term cut in half, I paid most of the (unfortunately) mortgage off a good while ago, not to mention overpayments if they had nailed a good tracker rate.

DaddyBear

HAMISH_MCTAVISH wrote: »

What a sad, sad story.

Delayed purchase since 2004..... What a massive, and irreversible mistake. This poor fellow will never be able to undo the damage he has done to himself and his families future.

He sounds genuinely depressed, so I do hope they've checked up on him.

http://www.housepricecrash.co.uk/forum/index.php?showtopic=159727&st=15

A cautionary tale on the very real dangers of trying to speculate on timing the markets... And listening to bad advice on the internet.

Your life really must be dull. As for this delusion about all bears wanting to "snap up a bargain".... I think you need help.

DaddyBear

Sibley wrote: »

Because most of these bear types haven't got any money.

They are quoting all these facts and figures they copy from websites, make out they are savers waiting in the wings etc but it's bull****.

Most are failures. Divorced people starting again, bad credit risks, bankrupts, low paid workers, lazy, single mums in council houses. The list goes on.

Because they haven't got a house for one reason or another they hope home owners will lose their place and be in the same boat as they are.

The rest are long term renters with no scope or take on how to make financial plans long term.

They live for today. Get paid, spend the lot on Special Brew then come on here bleating about people that get off their ars* and make a go of life.

They have what they deserve. Nought.

:rotfl::rotfl::rotfl:
Clueless. How's the chip Sibley?

DaddyBear

Joeskeppi wrote: »

these are the same people accusing Hamish of celebrating the OP, which he clearly isn't.

https://forums.moneysavingexpert.com/discussion/3057708

Then why has he posted it?

twadge_face

HAMISH_MCTAVISH wrote: »

So you have to know people personally to despise their ideologies?

I've never met a member of the Nazi party, but I despise their ideologies....

Besides, a bit rich for you to be preaching about strange behaviour AD, after going through dozens of usernames and subsequent bans having been banned from MSE the first time.

Aaaaand we see how Godwin's Law dictates Hamish kills the thread dead by post 11. Good work.

http://en.wikipedia.org/wiki/Godwin%27s_law

quantic

I personally feel that anyone who can afford to buy a house, but waits a substancial amount of time to buy so that they can get a good deal is an idiot. I don't care if they get a house for 20k/30k/40k less than they originally would have. Money is not more valuable than time. I don't care what the sums say.

If someone told me (they had a time machine) that my house would be worth 20k less in 5 years time, and that would be the best time to buy it. I would still buy it now. I shopped around and waited a little bit (mostly just to save more deposit though) but waiting 2/3/4/5/6 years... is ludicrous and greedy.