Crouchie's Lawyer

How far into this is it? I am half way through and still havent seen it. Its four and a half minutes long and all the other you tube video's of it have been removed due to copyright from the football league.

Its all ok, we have Ikea now! : rolly eyes thingymabob :

If I were the Watford players and knew it wasnt a goal, yet the goal was awarded, I would have walked off the pitch and refused to continue. This way forcing the FA to instigate a replay. They couldnt have really done anything else without causing a massive uproar!

I think a lot of people are quick to jump onto the 'Mortgage brokers = evil people' bandwagon because of the Panorama documentaries portraying this. I am or was a mortgage broker. One of the main lenders when I started in 2006 that we used were a Lehmanns Brother company called Southern Pacific (SPML). Due to the Lehmanns problems, SPML stopped lending late early this year and consequently a lot of brokers who used them started to struggle, including the company I worked for. I decided to jump before the ship sank and although heavily waterlogged and IMO still sinking the broker I used to work for is still trading although I have come to realise that the owners are very dodgy. I find that a lot of the negative press about brokers is coming from very small companies or one man bands wanting to make a very quick buck and having no morals, will do anything to achieve this. One of my colleagues knows of a company who would fraudulently photocopy a passpork and docture the DOB so the client fit into the age brackets of a lender. This kind of brokering is the 1% which has led to a bad name for the 99% of other brokers out there. A lot does have to be put on the client though and this is the one main gripe I personally had about the panorama program. While they were filming Spazzy McIdiot having just been reposessed as his mortgage payments went up and up and up and his mortgage was obtained on the basis of his income being higher than it actually was, not once was it pointed out that a) You signed all the documents with this information on so would have realised the application was based on a lie and in signing it, are actually committing as much fraud as the broker who is doing it for you. And b) had you read through the paperwork, it would have explained that your mortgage has the potential to go down OR UP so it was a risk you took. I understand a lot of people are mortgage illiterate and wouldnt know where to start let alone what is what which is why a broker is required, however filling in an application for with your information is not something which can be misunderstood and consequently, the people who had had their income inflated by these brokers are IMO just as bad as the brokers who did it for them. The other point regarding people who moaned about the rates going up and their mortgages becoming too much to afford is that (and I have seen dozens of examples like this) when the mortgage was originally advised, their financial situation is looked and and the recommendation is then given taking this into consideration. If a lender allows 4 times your income (a lot of lenders now work on 'affordability' though) and you earn £30k, of course a mortgage of £100k is within your limits, providing you do not have much unsecured debts at time of application. So even a few mortgage rate increases (presuming your on a variable rate) shouldnt make that much of a difference to your ability to afford the mortgage. The problem comes in the following form and I would put money on it, that a lot of the reposessions over the last year and repo's which will happen in the future were and will be because of the following. Credit card companies and personal loan companies dont tend to care what your income is. They also dont cross check (on an auto application, its different if its manually looked into which is hardly ever) how much other debt you have, yet they were (its a little tighter now, but still fairly easy) still dishing out credit left right and centre. So Mr Jones who is on £30k a year and has just got a mortgage of £100k which is well within his affordability limits gets his nice new house and wants a new bathroom, kitchen and to redecorate. He takes out a personal loan (as there is not sufficient equity in the house to take a home loan and he has only just got his mortgage). Payments of this loan plus the mortgage and ever increasing council tax and utility bills start to mount up and while still affordable, make it difficult for Mr Jones to live the lifestyle he did before he got his house, clubbing most weeks with his mates, holidaying once or twice a year to a nice destination. Temptation is always very hard to resist, especially in todays 'buy now pay later, must have it now, credit' generation and a nice credit card application arrives on the door of Mr Jones house the day after his mates all decide to go on a lads holiday to Ibiza. Mr Jones whacks the cost of this on his credit card as he has no money to pay upfront for it. He will simply pay it off in installments. Once he gets back from his holiday interest rates go up two or three times. Now this wouldnt have been a problem under the advice given by the mortgage broker originally as his income could have supported this but now, having easily obtained a large personal loan and with a few grand on a credit card, it makes it impossible. End result? Mr Jones has his house reposessed and gets made bankrupt. Who gets the blame? The credit card or loan company for allowing him to take the credit card / loan out when it was clear he couldnt afford it? No, the mortgage broker! However, when the FSA look into it, quite often this is spotted and consequently the broker (quite rightly) doesnt get fined or told off yet this isnt highlighted in the press and consequently the broker is made to look bad! The credit crunch has happended for a number of reasons but the fact that the dopey yank companies like the Lehmann Brothers accepted applications in the states which were known as NINJA (No Income No Jobs or Assets) loans has IMO majorly contributed to this so at the end of the day it was their own doings which were the eventual downfall of themselves. As you can see, I am quite bitter however my loss of income this year is a direct result of the credit crunch and when your income is cut by 70% or so, then I think you have reason to be p!$$ed off

Hello PL, where have you been?!?

Litterally asked or did he do something which meant he had to be?

I found out about this last night as my Mrs's Mum works in social services and was informed of it. My Mrs received a text reading 'Dad killed 2 kids then hung himself' Needless to say, my mrs briefly cacked herself thinking her dad had done something before realsing what her mum said. Sick bloke (dude who killed his kids, not my father-in-law to be). He resigned from his job on Fri and his wife left him. He was also living in a caravan. I know it must be pretty tough living like that and having bad news, however you dont see us topping ourselves and why take the lives of two innocent kids?!

Yes and no. As mentioned above, mixing all the off topic rooms into one, or even just TMS and The Lounge would mean that there would be more people and therefore better conversation. Alternatively, rather than £5 per year, try £5 for life? Have a monthly raffle/lotto stylee thing for the full members accessible on the new website when it is up and running and funded by new member £1 from the £5 for example, and money from the advertising. I do fail to see why a site can survive for a few years on donations, but not on advertising income and donations? I do not claim to know all the facts and figures but would be surprised if the cost of this new mega forum to support the use costs a hell of a lot more?!

I wonder if he is on holiday...

I miss him too. Where has he been, he hasnt posted for ages!

And only 13 viewers in TMS! Posts equivilant to only once every 5 minutes! This place is dead?! Whats happening. I would say normally Mondays and Fridays are the busiest days, its propper dead in here though? :smt064

I blame it on the 'traditonal' family saver ticket Pompey offer. Two adults and two kids for £x. How many 'families' does this apply to in Portsmouth?! There should be a family saver ticket as follows: 1 Adult, his sister/wife and their 7 illegitimate children. I think they would then stand a better chance at filling the stadium.

It was purely suggestions. For the record i am 25 nearing 26 and have done 3 of the 5 things Sorry, yeah sh*gging one I meant. When you say sleeping with one takes balls, you mean closing eyes or sh*gging?!

Sleep with a prostitute. Go to Amsterdam and get stoned. Appear on TV. Create a song and try to get it officially released. Blow £1,000 on a bet.

I lol'd

Lesbianism, religion rebel and now she is endorsing knife crime! Whatever next?!

Damn swear filter!

Yeah I prob would too. Actually no prob about it. I would

Yes I know Jillyanne, I was making a jokings

Fri: Was off work, went to Oceana in the evening, got drunk. Sat: Hanging most of the day with a bad tooth ache due to too many sugary drinks from night before. Played FM08 while watching footy on telebox and listening to that local team of ours. Went over mates for Pizza, Wii Golf & Mario Kart night with a few smokes. Sun: Watched footy while playing FM08 most of the day. Spoke to my Mum in Canada using skype to say happy bday followed by chinese takeaway. Back at work today after a week off and I have ear ache to top things off. Weekend 6.37/10 Now 1.18/10

I know lenders charge fee's for mortgages but £30k is a bit steep!

£60 plus £10 postage is a bit steep for something you can pick up brand new and more importantly in working order with a game for £129.99! As someone mentions above, send it to MS and then sell it after? Otherwise, send it to me (postage free), ill send it to MS, take £25 and you can have the rest!

Blah, Chelski are so last season, its either Man City now or QPR :shock: who are the richest team in the world!

I can see what you are saying, however the importing of goods example you use above is just because you are purchasing something cheaper abroad which is due VAT but due to the country of origin in which its being purchased not having VAT, it is charged at a later point. This is VAT the buyer must pay also which is something very different to VAT which the seller has to pay. Im pretty sure but if you purchased an ipod from the USA, the seller would not have to pay VAT as he/she is USA based. This like the carrot sofa example is very much different from SFC giving away or selling cheaper tickets. The sofa carrot example, cannot be prepared as we are not charging for something, while giving something perceived to be more expensive away for free just to obtain a loop hole. I believe it would be similar to the air line tickets. When you pay cheap prices to fly with an air line from A to B, does the air line have to pay the same amount of VAT on all tickets sold for that flight at 'X £'s VAT per ticket' or is it done on a percentage basis? I would hazard a guess its done on a percentage basis which would mean if the same rule applied for SFC selling cheaper tickets, we would not get stung for VAT.

Yes, like a flash. As mentioned above. A manager who knows what is required to get out of the league the right end. Coupled with a chairman willing to throw money at the cause. We will be in their position, with them in ours next year with 2 fundemental differences. We will be at the bottom of L1 with minus points having gone into administration, while Leicester will be at the top end of the CCC having invested £££'s into the playing side.