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Brit homebuyers face questions on alcohol and smoking under new mortgage rules
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Times Online
October 19, 2009
Homebuyers could be forced to provide detailed information about the amount of money they spend on alcohol each month to qualify for a new mortgage under a new clampdown on reckless lending.
In a sweeping review of the mortgage market published today, the Financial Services Authority (FSA) said lenders needed to be far more rigorous about their financial checks of potential borrowers.
It said lenders should delve deeper into homebuyers’ personal spending including the amount they spend on alcohol and tobacco.
Spending on shoes, clothes and childcare could also be assessed under a new, industry-wide “affordability test”.
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October 19th, 2009 at 4:16 pm
WELL THEN YOU BUY A LOWER PRICED FIXER UPPER ON LAND CONTRACT AND BANKS BE DAMNED.
THATS WHAT I DID.
NOW ALL THE INTREST I PAY GOES TO THE OWNER, NOT SOME FAT CAT.
BANKS WILL FAIL IF PEOPLE STOP USING THEM.
Vote Third Party Reply:
October 19th, 2009 at 6:03 pm
You can just lie and say you don’t drink or smoke. They wouldn’t know the difference nosy bastards.
http://www.Vote3rdPartyNow.org
sumsrent Reply:
October 19th, 2009 at 7:23 pm
What gets me is all these paranoid non-smokers supporting all these bans on tobacco…
And yet, when it becomes payday they don’t give a second thought to hitting the smoke filled bars and clubs to get a whore.
The point is… they don’t want to be around smoke, but then will submit themselves to it to fulfill their needs.
I’d bet that… half those oppossing smokers probably smoke dope!
The Dude Reply:
October 19th, 2009 at 9:44 pm
Or smoke pole.
Gandhi Reply:
October 20th, 2009 at 2:22 pm
They did it again, picture of a hot babe with her lips around a cylindrical item. Then the article has no more good pictures. uggg.
Questioner Reply:
October 20th, 2009 at 8:55 am
and what’s wrong with smoking dope? much safer than tobacco, so shove it.
joe blow Reply:
October 20th, 2009 at 10:31 am
i’m guessing they smoke turds in hell
Curt Reply:
October 20th, 2009 at 9:49 am
…That is until the spies at the utility company report you.
THE WATCHER Reply:
October 20th, 2009 at 12:12 am
What happens if they catch you screwing?
sudburychange Reply:
October 20th, 2009 at 8:18 am
No more unauthorized sex without a permit.
rEvolutionary Reply:
October 20th, 2009 at 11:14 am
Hahaha, here in the midwest it’s literally illegal to get a blowjob, even in your own home. I mean, can it get any deeper? Land of the free, right? Right to the pursuit of happiness anyone??
Griz Reply:
October 20th, 2009 at 1:54 pm
I don’t know where you live in the midwest, but around here finding out who’s doing who is dangerous. We shoot at peeping toms, with or without badges!
October 19th, 2009 at 4:20 pm
AMERICA NEEDS A LITTLE BIT OF THIS JUST WAKE YOU FAT ASSES UP . SPREAD THE WORD YOU DUMMIES. WHEN U READ THIS , PASS THE FRIGGN, WORD ON CAUSE TO MANY PEOPLE ARE ON A DESPERATE HOUSWIVE DANCING WITH THE STARS HIGH IN LALA LAND.
WAKE THE #### UP!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
JaneTheCarpenter Reply:
October 20th, 2009 at 12:54 am
I know what your feeling. What kills me is that some of this stuff is as plain as the nose on their face. WAKE UP !!! Make’s me just want to shake some of them to wake them UP!
October 19th, 2009 at 4:28 pm
Get me out of this country!! its sinking fast
JaneTheCarpenter Reply:
October 20th, 2009 at 12:55 am
It’s happening all over the world, We’re just going to get it the worst for now!
October 19th, 2009 at 4:44 pm
If there were any “clampdown on reckless lending” based upon anything relevant, it should be that the banks have to answer the question, “Do you actually have cash funds physically on deposit to cover this loan or not?” If they don’t, they should be prosecuted for fraud. Of course, that would mean the end of the entire banking “industry” which exists by means of a fractional reserve ponzi scheme that lends non-existent money at interest, but that’s exactly my point.
joe blow Reply:
October 20th, 2009 at 10:35 am
if they have cash funds physically on deposit to cover the loan why would they need the loan?
October 19th, 2009 at 4:57 pm
These people need a 1776 experience. It will vastly improve their lives.
Gary Reply:
October 19th, 2009 at 5:04 pm
Just hold onto your shorts a while longer. First, we need a 1770 experience:
http://www.bostonmassacre.net/
JP Reply:
October 19th, 2009 at 9:47 pm
Excellent point Gary.
cornelius Reply:
October 20th, 2009 at 3:53 am
When the US revolution happened, can anyone tell me what happened to the leaders of the day. Were they hung?
Were they given life sentences?
Or did they just fade into the background for their ancesters to take the reigns?
S1 Reply:
October 20th, 2009 at 8:45 am
What, we need to loose some of our North American colonies again? Didn’t make much difference the last time it happened.
October 19th, 2009 at 7:01 pm
http://www.youtube.com/watch?v=XTv6GRDINjY My call into the Neal Boortz show where he trashes 911 truth and Alex Jones on September 11th. I slip in Operation Northwoods after the delay.
October 19th, 2009 at 7:18 pm
Sharpen your pitch forks folks!
October 19th, 2009 at 7:28 pm
She sure has a pretty mouth.
Gary Reply:
October 20th, 2009 at 1:21 am
Lucky cigarette.
October 19th, 2009 at 7:45 pm
This is simply to know all about you which a lawful government doesn’t have to do as the citizens vote to approve how their country is run and governments can not be run in ’secrecy’ as to misrepresent the public as the law of the land is a terrorist act that over-throws governments paid tax money to protect, and to serve the citizenry, their families and properties! We must remember that in other countries today they have no mortgages as the people pay cash on the barrel head for their homes and properties to keep governments out of their privacy. No receipts, no illegal taxes utilized to spy against them!
Invasion of privacy is malice carried out with criminal intent and is punishable in this United States as a high crime under U.S. Federal and State laws, as well as under the laws represented by the International Criminal Court! -Al Koppel.
October 19th, 2009 at 10:11 pm
Make a deal with “ownersellers” at zero interest… keep the banksters out…. it works i’ve done it
October 19th, 2009 at 10:15 pm
Aloha! tmb
October 19th, 2009 at 10:16 pm
Aloha! pik
October 20th, 2009 at 1:45 am
next will be asked..how many times do you shit a week? a cctv cam will be set in the drain to make sure you only use one square of t.p. and wipe counter clockwise…why are we still on rubber tires?
October 20th, 2009 at 2:15 am
“Homebuyers could”
Get back to me, when homebuyers shall.
October 20th, 2009 at 8:09 am
What’s all the fuss about being severely scrutinized by the BANKSTERS?
You have no rights and certainly no FCUK’n money, else you wouldn’t be needing a loan.
They already own you. So just sit down, sign your stupid life away, and shut up!
Long live FATHER! Long live INGSOC!
October 20th, 2009 at 8:49 am
the whole world is becoming a second world war ghetto
do i smoke drink do drugs non of your bussines capice!
Highlanderess Reply:
October 20th, 2009 at 9:20 am
Ain’t that the truth!
October 20th, 2009 at 8:50 am
keep your stinking money
October 20th, 2009 at 9:20 am
Banksters are truly the root of all evil!
mike65 Reply:
October 20th, 2009 at 1:13 pm
GOOD one HIGHlanderess.
October 20th, 2009 at 10:56 am
Another obamie COMMUNIST plot to control everyone and everything. Don’t ya all just LOVE your grocery store NAZI CARDS that record everything you buy?!!!!!!!!!!!!!
October 20th, 2009 at 5:11 pm
its sad…i knew credit was bad when my father explianed it in two sentances.
common sence just seems like a superpower nowadays
October 20th, 2009 at 7:51 pm
sumsrent – regarding smoking..in the UK smoking indoors in a public place, like a bar or club.. is illegal so no..people dont subject themselves to it.
October 21st, 2009 at 3:33 pm
It would make more sense to check medical records.
I’ve had form filling allergy all my life. Just not the box ticker type.
Anyway if you didn’t smoke and drink before you had a morgage you soon will through the constant pressure of trying to pay it each month.
October 21st, 2009 at 9:26 pm
Im glad they arnt asking us how much we are spending on ammo and for that matter fucken rubbers cuz who the fuck would bring a life into this fucked up mess
October 22nd, 2009 at 2:05 am
The answer to 1984 is 1776. What is it going to take for the masses to wake the hell up and do something? They want to know everything, and everything is quite frankly , {None of their fucking business}!