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Joined 1 year ago
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Cake day: June 10th, 2023

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  • FWIW, I was threatened on Reddit more than once with actual murder… people threatening to come to my house and kill me. Reddit’s general response was to… delete the chat message in question as a “resolution” to my complaint. AFAIK, that was the extent of their action. I at least have the impression that abusive users will be removed, though it might take a bit given the incredible influx of new users.

    This is horrible, why do people think they can say this shit? I hope you reported this to the police? I’m pretty much most places this behaviour is illegal. It’s not a good look for Reddit to be complacent with illegal activity on their site.

    Edit: massive typos










  • AHH interesting that makes more sense then because we remortgaged before those changes in the rules.

    As an example, a borrower taking out a two-year fixed-rate mortgage at 2.2% with a revert to rate of 4% would need to show they could afford the monthly repayments on a rate of 7%.

    I mean… they ain’t going to be coming off onto the 4% 🥲 but stress testing at 7% should still (for the time being) mean that everyone with a mortgage should have been aware of the risks and budgeted accordingly. No?

    No-one wants to pay more of course… I have sympathy for that. I just don’t understand the shock that some people are claiming.


  • Same here. Although I distinctly remember my mortgage provider asking us if we were comfortable if the interest rate went up. Multiple times. I’m pretty sure they “stress tested” our mortgage payments assuming 9 - 10% interest. Of course we told them it would be hard, but still within our budgets then laughed and said it would never happen.

    I’ve got sympathy for people in this situation for sure… but how have they managed their household budgets and savings such that this is a shock to them? Or have they over stretched themselves with their mortgage?