Crouchie's Lawyer

Sorry honey

My mortgage is with HSBC, I dont think they employ a collar on their tracker which is currently 1.64% above BOE for the life of the mortgage with no ERC's, but with a 40% deposit. Unfortunately, it was previously a 10% deposit 0.79% tracker for life with a cheaper set up fee of £599 too (Now £995 I think)

Thats still a very good rate yes. Would also mean that if you were planning on fixing your deal when rates bottom out, you may find you get a cheaper rate and payments reduce (say if you got a fixed rate around 2.5% hypothetically speaking). Sadly, lenders have got wise about what rates everyone are looking for at the moment and tracker rates being offered as of today are not brilliant unless you have atleast 30-%-40% equity!

Just a thought, you could catch a couple of bee's and when he is not looking on christmas day, pop them down his jumper/shirt. Once they have stung him, he will probably decide he doesnt wanna keep the nasty little things and will infact thank you for all the time/effort and money you have saved him! That can be your christmas present to him and it wont cost much either!

Go to google, and type in the two things I said Stevo's Mrs present meant....

My birthday is 28th December peeps, remember to budget for this in your credit crunched up plans. If it means little Timmy and little Lola have to go without this year so that you can afford to buy Im_no_sinner his desired birthday present, then sacrifices have to be made. This Credit Crunch affects us all Im afraid!

Nope, no floor limit. Banks and Building Scoeity (Namely Nationwide and HBOS) have only recently imposed these knowing BOE would fall further and they would make a heavier loss on their tracker mortgages (while LIBOR remains stubbornly high). I think its quite funny that Nationwide, the bank which plays on all the negative points of other banks (which are mainly common myths anyway) are one of the only banks employing this sly tactic. Would be quite funny to see another mortgage company come out with a 'p!ss take' TV advert Nationwide style, saying how their trackers dont have low-caps!

Yeah there are some gash games out, and I too fail to see the point of Darts etc.

So to speak...

Jilleh I am now starting to worry I have added another Jilly???

What items did I remind you that you had to add to your list then? Wiki the two terminologies....

TBF, I never thought I would get used to playing with a different controller, but they are fine to use now. I actually find it easier to use the analogue on the xbox controller for some reason. Doesnt seem as 'jerky' as the PS analogue sticks

Wii's are amazing. FACT. Has anyone seen the new Rayman Rabbit game advert. The first computer game released to be controlled by your bum :shock: (Using the wii fitness board) Looks quite funneh

Wrong Wrong Stevo - A Mulberry Handbag and Purse are female code words for 'Donkey Punch' and 'Strawberry Cheese Cake', shouldnt be too expensive, just a few tissues I'd imagine. HTH

Jilly I added you ages ago. Confirmed on 23rd Nov, check ya feed. (Thats if your surname is --------- letter long?

What have you updated. I have just added all you schlags, you have a new cool friend (when you confirm)

Ah, forgot about that group

I have a Wii and an 360, and while I have no need for a PS3 at the moment, you simply cannot argue with the above comments Marco, no matter how much you love the 360. I would imagine the main reason why the 360 has out sold the PS3 is simply due to cost. Its about double the cost, and at present, with more games available, the xbox is winning. If the two were the same price and there were as many games for the PS3 as the 360, I would very much doubt that the 360 would be selling more (And thats coming from a 360 owner). I think the Blu-ray player, wireless facility and built in hard drive are facts you cannot argue with as to why a lot of people favour the PS3, even if you dont.

I dont think there would be, I would only do one or two and hour But in all seriousness, I dont think there would be that many. I think exluding my above idea, I havent thought about having a poll thread since the avatar selection ones

So it seems we can now start polls, but only in the Lounge? How come? I wanted to start one about which persona you preferred Tiggs, Wilts or Atticus!

I would of thought that was right up your street?

Just a quick one guys if you havent heard. There is a good chance BOE will fall by a further 1% today! Im McLovin it at the moment. I have reduced my mortgage term by 2 years and (if base rate does fall to 2%) will be saving £140 p/m compared to my payments on my previous fixed rate of 4.89%! Long may base rate stay low!

Most expensive xmas present I shall be giving this year is £154. Its two tickets for skiing lessons for my sister and her boyfriend, however, they are giving me and my mrs the same present, so technically, we are just buying our own tickets. Its more the thought of it. Excluding that then I plan to spend very little, me and the mrs will probably just get each other small presents if anything at all and to save money, I think we will cook a nice meal for my parents out in Canada as their xmas pressy. Its only really cousins (£10 in a card) and god sons which I will be buying for, possibly a few cheap gifts like alcohol and chocolates for family etc, but nothing much.

That she does my laddy, that she does

lolz, another Wilts classic