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  • herbiesjp
    herbiesjp Posts: 8,499 Forumite
    MortgageMamma wrote:
    COME ON HERBS, saying what you want is one thing but calling someone a knob for nothing is just plain abusive. where do you draw the line between open discussion and being plain nasty?

    Hi MM

    I think you have misunderstood - please dont shout:rotfl:

    My post was directed to ATD saying that david could write what he wanted even if it was wrong.

    I was criticing ATD's response in actual fact - and said that ATD should have put his point across differently i.e. No I disagree would have been better

    Profanities of any kind are not warranted, and as such should be removed.

    Can't belive you really took this wrong way MM - you really think I would condone such behaviour?
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • MortgageMamma
    MortgageMamma Posts: 6,686 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Thats the problem with internet forums - you cant hear the tone in poeples voice.

    I apologise stef, I should have known better, log into messenger if you fancy catching up
    I am a Mortgage Adviser

    You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • dwsjarcmcd
    dwsjarcmcd Posts: 1,857 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    ATD wrote:
    ERCs are unlawful. I have already claimed one back.

    Its amazing. In life, everywhere you go you meet knob heads. Even on a forum.

    Indeed you do!
  • ATD_2
    ATD_2 Posts: 14 Forumite
    dwsjarcmcd wrote:

    I love the way you state this in such a glib way, oh, I'll just claim them back. Yeh right

    LOLOLOLOL

    I dont care that you love the way I say things in such a glib way. You arrogant !!!!!!!!

    LOLOLOLOLOL
  • ATD_2
    ATD_2 Posts: 14 Forumite
    Why are humans so judgemental. Ask a simple question and some people cant give a simple answer!

    My life is based on facts, and the fact is that ERCs are unlawful. I would never have said so unless I knew for certain.
  • dwsjarcmcd
    dwsjarcmcd Posts: 1,857 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    ATD wrote:
    LOLOLOLOL

    I dont care that you love the way I say things in such a glib way. You arrogant !!!!!!!!

    LOLOLOLOLOL

    As Catherine Tait would say 'am I bovvered'!
  • dwsjarcmcd
    dwsjarcmcd Posts: 1,857 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    ATD wrote:
    Why are humans so judgemental. Ask a simple question and some people cant give a simple answer!

    My life is based on facts, and the fact is that ERCs are unlawful. I would never have said so unless I knew for certain.

    Well your facts are wrong, you are talking absolute twaddle.
  • MortgageMamma
    MortgageMamma Posts: 6,686 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Who cares if he is talking twaddle?

    DO NOT FEED THE TROLL.
    I am a Mortgage Adviser

    You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • david29dpo
    david29dpo Posts: 3,913 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    like i said, someone's very bitter!! failed claim on ERCs perhaps? ATD, the hole you are digging for yourself is getting deeper by the minute!
  • ATD_2
    ATD_2 Posts: 14 Forumite
    well well well

    Early Redemption Charges are unlawful unless the mortgage provider can prove in a court that they are fees/charges and not profit.

    I received a cheque on the 15th December from Birmimgham Midshires for £4700 - thanks to all the help I received from consumeractiongroup.co.uk

    Merry Christmas!!
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