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Liveline thread 09/04/2013 to 19/7/2013

bbability

liveline thread continues here..

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terrible joe

are you there john

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gave me the runs joe

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syklops

Yakuza wrote: »

That doesn't make sense - 11k interest over 6 months on a 107k loan - that's a massive interest rate...over 20%. Something's not right.

This would be an opportunity for Joe to do some good. He could get someone who knows the ins and outs to help John. Instead he will just use him for the misery porn.

TheVman

poor old john just got the phone cut off on the live line

SEPT 23 1989

Decent "advice" costs money

mike65

advice

Unless you are Americanese

AK333

I know people were greedy in the boom, just trying to keep up with the Jones but in honestly, why don't the government/central bank just say to the banks, stop, enough. Take each borrower in arrears and look at what they owe/what they can pay and sort it out properly. This makes no sense. This constant drip drip drip of people crying, banking being downright greedy, etc, its a mess

JonathanAnon

Oh go away posh man..

TheVman

AK333 wrote: »

I know people were greedy in the boom, just trying to keep up with the Jones but in honestly, why don't the government/central bank just say to the banks, stop, enough. Take each borrower in arrears and look at what they owe/what they can pay and sort it out properly. This makes no sense. This constant drip drip drip of people crying, banking being downright greedy, etc, its a mess

because the thing is there still greedy and very greedy. They will hold on to their seven bed dormers until breaking point when they are obliged to leave and ring Joe. I know a couple of example cases...

Roger_007

AK333 wrote: »

I know people were greedy in the boom, just trying to keep up with the Jones but in honestly, why don't the government/central bank just say to the banks, stop, enough. Take each borrower in arrears and look at what they owe/what they can pay and sort it out properly. This makes no sense. This constant drip drip drip of people crying, banking being downright greedy, etc, its a mess

Speaking as part owner of all the banks, (like every other citizen), I do not want them to be writing off loans willy nilly. I want them to function like a proper business.

snubbleste

It's all Lehman Brothers fault.
That's the Bertie excuse is it not?

syklops

AK333 wrote: »

I know people were greedy in the boom, just trying to keep up with the Jones but in honestly, why don't the government/central bank just say to the banks, stop, enough. Take each borrower in arrears and look at what they owe/what they can pay and sort it out properly. This makes no sense. This constant drip drip drip of people crying, banking being downright greedy, etc, its a mess

Well, while I believe John is genuine, there are many out there that would have you believe they are starving, when in fact they can afford to pay back their mortgage but don't wan't to or can't be bothered, so the banks have to be tough with people. I agree though, if you suddenly find yourself on the dole, there should be guidelines to save you from the hassle we are hearing.

That_Guy

Get to the point!!

snubbleste

Put me through to Joe...now!

SEPT 23 1989

Ger is so excited he cant get the words out

syklops

SEPT 23 1989 wrote: »

Ger is so excited he cant get the words out

Who in their right mind rings into a radio station, while outside, in the weather we have in this country? :mad:

Roger_007

Is this man on the Cliffs of Moher?

JM Skipton

Joe about to start his latest campaign

AK333

TheVman wrote: »

because the thing is there still greedy and very greedy. They will hold on to their seven bed dormers until breaking point when they are obliged to leave and ring Joe. I know a couple of example cases...

The trouble is that they can't sell the 7 bed dormers (I have a 4 bed dormer in the sunny south east if anyone is interested

).

The economy is in the sh1te until the banking/mortgage crisis is sorted out. People who have money are saving, not spending because they don't know what's coming around the corner.

If the country could move on from this, we then tighten the lending laws, and try and move forward as a country

Hamilcar

The blind are fecked so cos they won't be filling this form in

syklops

Its a survey. Whats the problem?

That_Guy

Vote for visually impaired people.

May be biased

Hamilcar

At least the deaf are spared this sh**e

AK333

Roger_007 wrote: »

Speaking as part owner of all the banks, (like every other citizen), I do not want them to be writing off loans willy nilly. I want them to function like a proper business.

A proper business negotiates.

If the bank lent a 70 year old 100k to upgrade - serves them right. That wouldn't be good business practice and they should suffer the same as any other business that made a bad business decision.

If you make a bad business decision, the business is liable.

Thats why I said the banks look at each case individually, some were greedy and some were just stupid - but the banks have to look at how they ran their business