BOE's prority must be preventing another housing boom.

Conrad

Graham_Devon wrote: »

Right, so why do you feel others who are younger, who have also worked hard, should have to accept the situation, stop moaning, think of the people walking to the well, and live 2-3 to a 1 bed flat?

Did they have the opportunity to forsee outcomes? Or is it only your clients already in the game who have come a croper to their OWN decisions who should receive empathy?

You can explain all you like, but I'm completely at a loss to try and figure out how you can suggest some just get on with it and think about what they have compared to others....yet when it comes to your own issues, it's unfair and unjust that things change?

Think my rank hypocrisy point has been made now anyway. So will stop banging the drum.

One cannot reasonably do anything about property prices, they are a function of the market. If we set out to deliberately bring down prices, there be as many loosers as winners (example neg equity).

Thus there is no point banging on about price unfairness, it is futile.

But a clumsy piece of Govt legislation poorly thought through can EASILY be altered. This is the point.

I presume then you are all for making landlords richers, right?

nearlynew

shortchanged wrote: »

Conrad surely you're not participating in fraud are you?

Of course he is/has.

As a "mortgae adviser" he is nothing more than a foot soldier of the banking system which we now know to be corrupt and insolvent. And as such his income is derived from perpetuating a fraud and then lying about his motives.

His motives are the same as his masters - to get people into as much debt as possible.

shortchanged_2

Conrad wrote: »

I'm not sure cheat is the right adjective.
Don't people present thier best side in a CV?

Don't scientists eagre to win a new tranche of research grant, oversell and massage things some?

Doesn't Billy Bragg feign his down with the people credentials yet in fact live in a £1.5m house and have no doubt considerable wealth? Isn't even he a bit of a mirage?

Don't Solicitors make a divorce as arduous as possible and thus cause proceedings to extend and fees to increase?

Doesn't George Mobiot (Green peace) preach about carbon footprints and then go off and have 6 children!?

Doesn't Poly Toignbe profess to be green and a sharer of wealth yet cling to £5m in property wealth alone and FLY to her Tuscan villa 4 times a year? Imagine the energy it takes to run her villa and fly there.


Dont much admired BBC people like David Dimblbe present a holyier than thou persona, raising eyebrows at MP's expenses, yet all the while funneling millions of licence fee money into thier service companies?

Did not Peter Mandelson (and many more MP's) fiddle thier mortgage app?

Does not Tracey Emen claim money is nothing to her, yet she clings to millions - talk about a fraud!? And I bet people fall for it.

So all these wrongs in your eyes Conrad make fraud right?

Conrad

DervProf wrote: »

OK, how about "fiddling, dishonest crooks" ?

You seem to be condoning their actions, in which case you are probably a "very good" mortgage broker.

I'm simply recognising everyone, or most everyone, is a little dishonest.
You know Shirley Williams is a national treasure right, holyier than thou Liberal and all who SAYS shes passionately believes in wealth re - distribution. Well she is an extremely wealthy women clinging to her pile, not re - distributing any of it.

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).

Similarly do you realise Bob Geldof and Lenny Henry are multi millionaires. They get all excited about rasing a few mill for red noise day, yet these people could get toghether, give away 90% of thier wealth and eclipse the publics charity AND STILL REMAIN RICH. Again to me this is fraud and manipulation "aren't I fantastic Saint, even though I quietly have millions in greedy wealth".

shortchanged_2

Conrad wrote: »

Similarly do you realise Bob Geldof and Lenny Henry are multi millionaires. They get all excited about rasing a few mill for red noise day, yet these people could get toghether, give away 90% of thier wealth and eclipse the publics charity AND STILL REMAIN RICH. Again to me this is fraud and manipulation "aren't I fantastic Saint, even though I quietly have millions in greedy wealth".

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.

DervProf

Conrad wrote: »

Similarly do you realise Bob Geldof and Lenny Henry are multi millionaires. They get all excited about rasing a few mill for red noise day, yet these people could get toghether, give away 90% of thier wealth and eclipse the publics charity AND STILL REMAIN RICH. Again to me this is fraud and manipulation "aren't I fantastic Saint, even though I quietly have millions in greedy wealth".

Shocking. I never knew that !

Bob Geldof, a millionaire ?

Next you'll be telling me that Bono hasn't given all but £100K of his earnings to charidee.

Sod it. If it's true what you are saying, then I need to start getting a little "creative" with my financial planning. You couldn't fix us up with a nice (fairly) little mortgage could you ?

Conrad

shortchanged wrote: »

So all these wrongs in your eyes Conrad make fraud right?

Almost everything is a fraud.
I know public servants who have months off with a broken ankle, whereas self employed people somehow struggle on.


My mate is a teacher. He largely cuts and pastes the assesments to save time. He gives better assesments to improve his own performance numbers.

I actually think it's immoral for some to always seek out bargains which means workers get paid less - I bet you dont even see that as immoral, well I do, 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, I'd bet many of the mse moralisers on fraud would have taken that discount.

It's immoral that we eat fish as numbers are so presuured now, but no doubt many wont count that as immoral because, well they like a momentary fishy taste sensation so tough luck fish.

Fraud is just everywhere.

Should I call the Taxman everytime I deal with a self employed person like Ken Livingston? If you say I should, then this requires you to constantly dob in people breaking the speed limit.

Jimmy_31

Conrad wrote: »

Almost everything is a fraud.
I know public servants who have months off with a broken ankle, whereas self employed people somehow struggle on.


My mate is a teacher. He largely cuts and pastes the assesments to save time. He gives better assesments to improve his own performance numbers.

I actually think it's immoral for some to always seek out bargains which means workers get paid less - I bet you dont even see that as immoral, well I do, 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, I'd bet many of the mse moralisers on fraud would have taken that discount.

It's immoral that we eat fish as numbers are so presuured now, but no doubt many wont count that as immoral because, well they like a momentary fishy taste sensation so tough luck fish.

Fraud is just everywhere.

Should I call the Taxman everytime I deal with a self employed person like Ken Livingston? If you say I should, then this requires you to constantly dob in people breaking the speed limit.

Im self employed, could you fill my tax return out for me ?

Guess whos getting paid:j

shortchanged_2

Conrad wrote: »

Almost everything is a fraud.
I know public servants who have months off with a broken ankle, whereas self employed people somehow struggle on.


My mate is a teacher. He largely cuts and pastes the assesments to save time. He gives better assesments to improve his own performance numbers.

I actually think it's immoral for some to always seek out bargains which means workers get paid less - I bet you dont even see that as immoral, well I do, 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, I'd bet many of the mse moralisers on fraud would have taken that discount.

It's immoral that we eat fish as numbers are so presuured now, but no doubt many wont count that as immoral because, well they like a momentary fishy taste sensation so tough luck fish.

Fraud is just everywhere.

Should I call the Taxman everytime I deal with a self employed person like Ken Livingston? If you say I should, then this requires you to constantly dob in people breaking the speed limit.

Sorry Conrad, it still doesn't justify what you are doing.

DpchMd

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.

Is it really mortgage fraud, though?

If someone takes out a loan and puts it in their bank account, they can reasonably state that the mortgage is being funded from their savings. As long as the loan is declared on the mortgage application the underwriters will take it into consideration.

The fraud is likely to be in the application for the loan. If they apply for a "home improvements" loan knowing full well that it's for a mortgage application, then this is probably fraud. Loan fraud shouldn't be the mortgage broker's concern.

I might be wrong, I don't know for sure, so don't hunt me down.