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About Keefter

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    HPC Regular
  1. Credit file = thin or non-existant, their ability to predict your risk is therfore seriously hindered having no past history to go on. The banks decision to refuse you the facility was purely a risk based one and has nothing whatsoever to do with your profitability as a customer. Banks are more than happy to take on customers who do not pay interest because they can invest your money and you provide an excellent opportunity to cross-sell other products to. Even the £12 a month account fee is profitable for them, regardless of the insurance benefits which come with it.
  2. Hehe that certainly set the cat amongst the pigeons, a much bigger response than I was expecting. My point is, and has always been that my decision to enter the property market was an individual one. I live in Lancashire and work in Manchester (about an hours drive), we couldn't afford to buy in our rental location (Sale - Cheshire a 15 minute drive), well actually we could but not in a decent area or a decent house of that matter. We paid slightly more than 100k for our spacious 2 double bedroom victorian mid terraced house in Rossendale Valley, it recently valued at 125k, realistically we'
  3. errr, no you fcuked up, so you admit it. 2 years on and boy am I glad I did buy....
  4. Well done for admitting you were wrong. I remember you well from the early days you're a bright articulate lady who knows much more than I do about economics. What is important is that you made the decision you thought was best, it was a well informed decision but it didn't work out. Life goes on, you're no worse off than the millions of young people who just started out in married life or just left Uni etc... Keep your chin up!!!
  5. Regardless it doesn't actually say that an offer has been accepted simply that one has been made. Not the same thing so not technically gazumping.
  6. It will be nice for people who are genuinly priced out to have somewhere to go. What are you expecting to achieve though? I've heard people on here before talking about rallies and stuff and never saw the point of it. Who are you appealing to, the governemt? what are you expecting them to do?
  7. What happens when one person is in a discussion with 2 or more persons who are from a 'cult' around the topic of that 'cults' beliefs? invariably, ragrdless of the sensible and valid agruments put forward by the 'outsider' they are ridiculed and laughed at by the 'cult' members. Sound familiar? Everytime there is a natural disaster of any scale globally you better believe there are thousands of johovahs witnesses down at their Kingdom Hall all saying the same thing 'oh its coming, its getting closer now, lets not give up hope we're almost there' Sound familiar? What happens when someone ent
  8. I only pop onto this site once in a blue moon now to see whats happening, and every time I do theres some post just like this one :-) A year ago you would have been jumped all over 100 times more than you have here, and in a matter of minutes too not hours. I can't be bothered putting in my 2 cents I've done it before and quite frankly its a waste of time. I like the comparison with a cult though, I've thought this many times myself, in fact I have some friends who are Johovah's witnesses (for those of you who don't know JW's believe that the world is about to end and that only those who are
  9. well I actually moved to Lancashire (Rossendale) and in the 9 montrsh I have been there nothing has really changed. One house was on teh market for 9 months and recently sold andother has gone up for sale around the corner, at 10k above what I paid for mine, Can't see that selling tbh. Other than that my collection of anecdotal evidence all suggests that the market is flat but not carshing, yet.
  10. Grassing people up is a big nono, especially to the taxman.
  11. People are always banging on that its a boom bust market as an argument for an iminent crash. ten years ago it was half the price to buy a property than to rent the same one. Those same properties then more than doubled in value over the course of 7 or 8 years. A long term strategy of financial benefit to rent? get real!! - Learn all you can about the property market and then make a mint by timing it right for the next boom, thats the best long term financial strategy. We will never learn we'll go those this time and time again, might as well make what you can from it.
  12. Exactly. Not only that but take a look at the Halifax data from the last 'crash' for the Northwest. If we get a repeat of that tell me its worth living in a rented flat for the next 3 years. of course we all know Halifax fiddlethe figures except when they report -2%
  13. I haven't had time to go through all the responses so I apologise if this has already been raised. I'm a little confused at the wording of some of the headlines of today and yesterday, in particular the Metro who claimed 'Average House now 200k' or something to that affect. Is there a fundamental difference between the average house price and the average price of a house? Let me give an example: I live on a street of 40 terraced houses, its a cul-de-sac at the top end there is a very big house, not quite a mansion or a stately home but probably 10 bedrooms, private lake, acres of grounds, s
  14. About a year ago I posted something very similar, and subsequently I was torn to shreds and called every name under the sun. EDIT: you can see it here http://www.housepricecrash.co.uk/forum/ind...?showtopic=5932 the responses become boring after 2 or 3 and I did go on a wind up mission because I got bored but the original message I think was a valid enough one, no more OTT than some of the crazy arguments teh superbears of this make daily. END EDIT. I genuinely feel for you Dick. There are a couple fo problems here. The first is that this site is 99% Bear and as such your requests for adv
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