Sarnie

Thats a joke right?

You could get 30k out of a set if you drove everywhere in cruise control, or 5k if you leather it everywhere!

The main issue here is that the OP can't decide what he want from the car. Untill he does most positive and negative things about all cars are null and void. If he wants blistering pace then its elise/vx etc. If he wants creature comforts (which is to the detriment of blistering pace) and a GT criser then it swings the zeds way....

Try dealing in credit during a 'Credit crunch'!?!?!?!!?

Hehe, I was searching for a chilli..... but the Kuro won me over. See I need to make a decision on the wheels. 18" GT4 ......or 19" LMGT-4 wheels?!?! You will get about £1k for the GT4's depending on condition and tyres etc

I actually didn't know you could board/ski in Scotland

not sure if i can if i just say i didnt want to go through with it. Of course you can. Whats he going to do, force you to buy a car you don't want?????

Get you deposit back.

Yep, you can buy a blue tooth adapter for about £90

yep.

RAYS were not standard on GT models either......

Leather seats are GT only. Brembo's are standard on all UK cars

Instead of just slandering someones good name publicly, why didn't the OP just concentrate on getting their OWN error rectified with their OWN bank. This issue is nothing to do with anyone on here until the OP's bank confirm that the money is in Alex's account, which the OP said was very easy to do. Instead he got a bee in his bonnet because Alex got bored of replying to numerous PM's.

I think those days and those products will all be back available towards the end of this year, however I think the lenders will have learnt from this and will become much more frugal in who (and the associated risk attached to them) they actually give their money out to. I have done dozens of mortgages and you look at the income figures, their credit score and what they want to borrow and you know full well they can't afford it. But if the bank says it fits and the client says they want it, its not my place to tell them otherwise. All i can do is document to my compliance team that I have done my job perfectly.

Incorrect. Rates can come down too. Agreed, but while In the bank yesterday I asked about current mortgage rates which are at about 4%. Which is pretty low. At so E point they are going to go up. And if your caught out either at renewal time or on a variable Mortgage you could come unstuck. Still not neccessarily true. The base rate at the moment is 1%, decent rates are at about 4%, thats a 3% difference. A few years ago I did a lot of deals sub 4% even though the base rate was nearly 5% at the time. The difference now is that a few years ago lenders were prepared to make next to nothing on your mortgage for the first few years and then make the money when your rate went up. The total lack of confidence in the market has led to a complete reversal of this trend but it could come back in the next 12-18 months, so theoretically the base rate could go back up to 4% or 5% but if the economy has recovered there could be products sub 4%. Just because the base rate goes up doesn't mean rates will.

Incorrect. Rates can come down too.

Only if you intended to sell within 12-18 months.

Jeremy Beadle had a tiny penis. But on the other hand it was massive......:lol:

Join the club............

+1

Maybe. If you buy 100% of the property: If the property appreciates, then you gain the full amount it increases. If it depreciates ( like they are now) then you take the full loss' yourself. If you only buy 40 %: When the property appreciates you make money but not as much as if you owned the full property. if the property price depreciates then you have limited exposure to the losses as you only own 40% of the property. The other thing to think about is that the cost to buy the remaining 60% at the moment may be, for example, £60k. In 2 or 3 years time when you want to buy the other 60%, depending on how the market has changed in that time, the remaing 60% might be £40k or £80k etc etc..... you will need to pay rent on the 60% of the property that the housing association own. Make sure the total payment of the rent plus your mortgage does not equate to what it would cost you to buy 100% of the property.

Yes.

different speed ratings but both are sufficient, the 100y ones would be overkill......

I'd hate to disappoint

If you don't think he looks gay then YOUR gay .