Mortgage Debt Arrears improving markedly

RenovationMan

RenovationMan wrote: »

Well according to Graham, I'm making it up that he is stuck on SVR, so lets ask him. When Halifax (and others) increased rates, was there a mass exodus to fixed rates? Indeed, did he go onto a new mortgage product or is he sticking on SVR.

If he is sticking on SVR, then why? Rates went up, what happened to his exodus?

RenovationMan wrote: »

Freshly from a drubbing on another thread, here comes shortchanged.

So, are you ever going to tell me why I want/need HPI in order to downsize?

<.......silence........>
<.......silence........>

RenovationMan wrote: »

7. Ghost out of the conversation.

:rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl:

Graham_Devon

You are just going to have to accept others get bored before you reno.

You've set it up so that A) we can't get annoyed, otherwise you will be right and claim were flouncing. You will continue to hound and call yourself super RM for doing so, so that the convo never ends and C) when the convo does end, through sheer boredom, you claim you were right as the person ghosts out.

So either way, you will always be correct. Much like the making things up against several posters....you can always argue they are wrong if you make up things about them to prove your point.

Assume I've ghosted out if you like. I just got bored of the immaturity tbh. Either way, you won if that's what you want to hear, and it seems you do.

IveSeenTheLight

Graham_Devon wrote: »

I believe we have learnt a lot from general perceptions.

What we have learnt, is that they are usually wrong. By quite some margin too, just look at the Eurozone and how that was all planned to go. Still the general perceptions from economists and politicians get it wrong time and time again. I don't know if you agree or disagree, but if you disagree, I think that will be the fundemntal sticking point in most discussions.

I do agree, perceptions or predictions can prove to be unfounded.
I personally don;t thin this OP articles prediction will be true in the timeframe it calls.

This is why when we consider the situation or the impact something might have, like mortgage rate rises for those without the equity to remortgage, it's good to consider the impact, thus you need to quantify the data.

I once looked into a stat for something that meant the Lieukemia rates would increase by 70%.
I wanted to know what that meant.
It meant the risk of Liuekemia increased from circa 0.005% to 0.0085% of the population.
The 70% sounded huge, in context it was rather small proportion of the country, then again it's still approx 225,000 people extra.

RenovationMan

Graham_Devon wrote: »

Assume I've ghosted out if you like.

OK.

DervProf

shortchanged wrote: »

But I'll give you your dues Renoman, you are very astute at trying to turn the table in a discussion but you never admit when you're wrong or have made a mistake and that is a serious character flaw.

That is the characteristic that I spotted immediately when I first encountered RM on this forum. He wouldn't admit that he was wrong. I tried to spell it out to him, but getting him to agree with me was virtually impossible.

He also was a bit of a wimp, but now he "dishes it out" like a good 'un. He seems to have had me on ignore for a few months, but he now seems to have "cracked" and is starting to mention me in his posts. If he still has me on ignore, it's a very cowardly thing to do.