BOE's prority must be preventing another housing boom.

DervProf

shortchanged wrote: »

You on the other hand are actively participating in fraud by knowingly accepting fraudulent mortgage claims in accepting the fact that people have deceptively taken an unsecured loan out to fund a mortgage deposit.

I don't know if Conrad is, or has knowingly participated in mortgage fraud. Even if he has, it's OK, because the minority of very wealthy people in this country seem to "bend the rules" from time to time. Conrad is simply helping less well off people in on the action.

Three cheers for Conrad.........

HPI, HPI, HURRAY !

Conrad

shortchanged wrote: »

But are they actually doing anything illegal. While I accept they may be hypocritical I don't know if they are actually doing anything illegal.

You on the other hand are actively participating in fraud by knowingly accepting fraudulent mortgage claims in accepting the fact that people have deceptively taken an unsecured loan out to fund a mortgage deposit.

I think for myself rather than be lead by the nose.
It's far worse and more detrimental for people to tailgate - what if a baby is in that car in front, so it's that sort of thing we ought to worry about, not whether a perfectly capable grown adult has a tiny chance of getting into arrears on account of thier Mums gift actually being a car loan.

Everything I do is fully documented - gift letter from parents for deposit for example, what more can I do, a lie detector test:rotfl:

C'mon, it's about being mature and taking a common sense approach, it's not about being some sort of fraud detective looking to cheer up a mortgage underwriter with some shocking evidence!

By the sounds of some of you guys, you'd be the types to carry out a health n safety audit prior to allowing kids on your trampoline - rules is rules eh!

Graham_Devon

Conrad wrote: »

That to me is far far worse immoral behavior than turning a blind eye to a buyers 'parental gift' than deliberately mannipulating her public image in order to garner a considerable respect premium (people see her as utterly kind and honest as she SAYS nice things about sharing weath without ACTUALLY doing it to a meaningful extent herself).

One is fraud.

One simply isn't.

You are doing yourself a dis-service by pretending anything otherwise.

shortchanged_2

Conrad wrote: »

By the sounds of some of you guys, you'd be the types to carry out a health n safety audit prior to allowing kids on your trampoline - rules is rules eh!

Yes and the certificate is on the side of my fridge and gets updated monthly.

Conrad

DervProf wrote: »

, because the minority of very wealthy people in this country seem to "bend the rules" from time to time.

A minority:rotfl::rotfl::rotfl:
Even that stoic Labour stallwart, Donal Dewar (duffle coat man) fabricated his image as a working Man. On his death the will had £6m in RBS shares alone.

Honestly Derv, the majority are up to trickery of one sort or another, much of the time.

DervProf

Conrad wrote: »

and in at a garden centre the other day I refuused a discount as I felt the people were entitled to earn the going rate

:A


:rotfl::rotfl::rotfl:

And I bet you even left a few business cards with the staff, saying "I know you don't earn much, so I refused to buy that potted plant. Not only that, I might be able to help you get a mortgage".

Thanks Conrad, you've made me chuckle.

DervProf

Conrad wrote: »

Honestly Derv

Something seems wrong with that quote.

(Not the missing "Prof", either).

DervProf

Conrad wrote: »

A minority:rotfl::rotfl::rotfl:

Well, it is a minority of people in this country who are very wealthy, isn't it ?

shortchanged_2

DervProf wrote: »

:A

Not only that, I might be able to help you get a mortgage".

Conrads first question. "Are your parents still alive?"

No.

"Damn that screws that one up then. Have you got a wealthy dog or cat in the family that can gift you a deposit?"

nearlynew

I am personally acquainted with 4 mortgage advisers and see them in my local most nights of the week.

They all speak the same language as conrad and are equally as clueless about anything to do with economics.

All they are is glorified salesmen. And like all salesmen, all they want to do is close the sale.

During the boom times, when anyone with a pulse could get a mortgage, they sold loads of mortgages to people with a pulse.
Now, when people are struggling to get mortgages, they make their money by promising they can get you a mortgage - usually to those same people with a pulse that they skinned last time round.

F*cking chancers the lot of them.