Northern Rock consent to let fees?

Werdnal

grifferz wrote: »

My troll bingo card is now full and I am calling HOUSE!

Did wonder - newbie "drive by" on a 4 month old thread normally rings troll alarm for me too!

family6

Werdnal wrote: »

Did wonder - newbie "drive by" on a 4 month old thread normally rings troll alarm for me too!

Missed that :embarasse

gavinfarley

family6 wrote: »

I feel sorry for your situation and it must be a shock to hear of such a huge increase but you can hardly blame the bank for you having a family.
We have 4 children and for the last 20 years have lived in the 2 (3 if you count the dodgy attic conversion) bed terrace that I originally bought when I was single. Until last year, (when we were finally in a position to change it to a 5 bed - I'm still amazed at how they did it) we had 2 children sharing and our youngest age 5 in our room.
What do you want the banks to do? Refuse to lend to couples of child bearing age, insist on contraception checks - that's as ridiculous as saying your human rights have been violated!

What you are saying is ridiculous. I am not asking anyone for any sympathy, and I always have, and always will keep up with my mortgage payments, but human rights aside I need to move out. And I will move out. Now NRAM, owned by the taxpayer, should morally have a duty to help out the people who own them, to reduce, not increase their debts. I am no expert and tell me if i'm wrong but I think that NRAMs job now is to reduce all outstanding debtors and wrap things up. Now YOU may mock me about contraception checks etc, but the bank, within their risk assessment should have taken into consideration that a 24 year old man may have a family at some point and that in one month from giving this man a 120% mortgage, the market might, just might collapse. I can tell you that, that wasn't in their risk assessment, and is the sole reason for this countries problems. What is a risk assessment if it doesn't take into consideration every risk? Now I've had my rant about your stupid, childish and unhelpful remarks, and would like to ask people for a sensible, helpful answer. I don't want sympathy, nor have I or anyone else in this situation got time for people who have nothing decent to say other than its my fault i'm in this situation. I'm not blaming anyone, not even the banks for my situation, all I want is some advice on my rights, should I move out without consent to let. Can the mortgage company really take my home away from me? To be honest, its a better option than even consent to let, so why shouldn't I risk it? Let them take it for all I care. I would be in a better position if they did. But if they took everyone's house off of them, because people didn't want to pay an extortionate £750.00 per year for a bit of paper, NRAM would be up the creek, surely.

BitterAndTwisted

It was idiotic of you to take out a 120% mortgage whether they were offering them to drooling morons in the street or not.

It was not prudent of you to take out an interest-only mortgage without some vehicle to pay down the principle owed.

It was not prudent of you to have two kids when you hadn't enough room to house them adequately.

And now it's obviously some else's fault for the terrible blunders you have made? Nope, afraid not.

_Andy_

" Let them take it for all I care." - brilliant attitude

_Andy_

spam reported

Werdnal

lcoward wrote: »

Hi There

Touting for business is against forum rules, so does nothing to recommend the legitimacy of your company or services - Reported as Spam - Bye, bye!

WestonDave

Not withstanding the spam - having a yahoo email address hardly suggests professional either - getting a proper domain name with email addresses costs peanuts and takes minutes!