fraybentos1 Posted October 26, 2023 Report Share Posted October 26, 2023 2 minutes ago, Neil said: it wasn't a struggle to do the income lie, or find a hooky mortgage - those things were very standard at the time. everyone was doing it, and it exposes the truth that houses were never an easy purchase. Why would you do it if you were earning 35k and the average house price was 60k 🤣🤣 why on earth would you lie about your salary 😂 to what end? you're such a liar. or a moron. or both Link to comment Share on other sites More sharing options...
fraybentos1 Posted October 26, 2023 Report Share Posted October 26, 2023 Neil claiming he earned 3x the average salary in 1989 which is the equivalent of like 100k today lol. but still opting to lie about his salary and take a 110% mortgage hahaha, sorry but what did you claim your salary was when you lied about it??? Link to comment Share on other sites More sharing options...
Neil Posted October 26, 2023 Report Share Posted October 26, 2023 14 minutes ago, fraybentos1 said: Yeah this is mental, his house would have been like 2 times his income. He's a compulsive liar i could have bought cheaper, but bought a specific house for specific reasons. and needed the tricks to pull it off. Link to comment Share on other sites More sharing options...
fraybentos1 Posted October 26, 2023 Report Share Posted October 26, 2023 3 minutes ago, Neil said: i could have bought cheaper, but bought a specific house for specific reasons. and needed the tricks to pull it off. cost of said house? Link to comment Share on other sites More sharing options...
fraybentos1 Posted October 26, 2023 Report Share Posted October 26, 2023 you didn't earn 35k in 1989 Neil, I'm really sorry to tell you that Link to comment Share on other sites More sharing options...
Neil Posted October 26, 2023 Report Share Posted October 26, 2023 Just now, fraybentos1 said: Neil claiming he earned 3x the average salary in 1989 which is the equivalent of like 100k today lol. have you seen how much qualified tradesmen earn today?????? (also i was self employed so earning well) i can remember one day around that time where i'd earnt£200 and was back in bed by 9am. Just now, fraybentos1 said: but still opting to lie about his salary and take a 110% mortgage hahaha, sorry but what did you claim your salary was when you lied about it??? i did what was needed in order to buy the house i wanted(same as anyone would do today). can't remember what i lied my income to be - its a very long time ago. Link to comment Share on other sites More sharing options...
fraybentos1 Posted October 26, 2023 Report Share Posted October 26, 2023 £35,000 in 1989 is worth £107,385.32 today can't believe you gave up this fictional salary to run efestivals neil! 1 Link to comment Share on other sites More sharing options...
Neil Posted October 26, 2023 Report Share Posted October 26, 2023 1 minute ago, fraybentos1 said: cost of said house? £75k i think - very long time ago (more years ago than you've been alive) Link to comment Share on other sites More sharing options...
fraybentos1 Posted October 26, 2023 Report Share Posted October 26, 2023 Just now, Barry Fish said: You could have been approved for a mortgage which was twice the average house price of the time. For all this to be true you would of had to been looking to buy a huge house. aye like f**king 5 bedrooms or something, it's all lies Link to comment Share on other sites More sharing options...
fraybentos1 Posted October 26, 2023 Report Share Posted October 26, 2023 Just now, Neil said: £75k i think - very long time ago (more years ago than you've been alive) you were on 35k and bought a 75k house and needed to lie about you income lol and get a 110% mortgage sorry but thats the dumbest thing ive every heard its barely over 2x your income you're a fool Link to comment Share on other sites More sharing options...
Neil Posted October 26, 2023 Report Share Posted October 26, 2023 1 minute ago, fraybentos1 said: £35,000 in 1989 is worth £107,385.32 today can't believe you gave up this fictional salary to run efestivals neil! i went thru a whole other career before efests - and efests was very lucrative for a while. Link to comment Share on other sites More sharing options...
fraybentos1 Posted October 26, 2023 Report Share Posted October 26, 2023 you're a bad liar neil, sorry to say it Link to comment Share on other sites More sharing options...
Neil Posted October 26, 2023 Report Share Posted October 26, 2023 2 minutes ago, Barry Fish said: You could have been approved for a mortgage which was twice the average house price of the time. For all this to be true you would of had to been looking to buy a huge house. it was a 5 bed house in expensive home counties commuter belt. Link to comment Share on other sites More sharing options...
fraybentos1 Posted October 26, 2023 Report Share Posted October 26, 2023 Just now, Neil said: it was a 5 bed house in expensive home counties commuter belt. for 2.1x your salary and you still f**ked it up Link to comment Share on other sites More sharing options...
Neil Posted October 26, 2023 Report Share Posted October 26, 2023 Just now, fraybentos1 said: you're a bad liar neil, sorry to say it c'mon mr know it all, tell me what you've invented yourself. Link to comment Share on other sites More sharing options...
Neil Posted October 26, 2023 Report Share Posted October 26, 2023 (edited) 1 minute ago, fraybentos1 said: for 2.1x your salary and you still f**ked it up the tories f**ked it up with 16% interest rates. mortgage payments went from around £400pm to around £900pm. Edited October 26, 2023 by Neil Link to comment Share on other sites More sharing options...
fraybentos1 Posted October 26, 2023 Report Share Posted October 26, 2023 2 minutes ago, Neil said: the tories f**ked it up with 16% interest rates. mortgage payments went from around £400pm to around £900pm. which is still under half of your made up take home pay. For a five bed gaff i think that's not bad 4 minutes ago, Neil said: c'mon mr know it all, tell me what you've invented yourself. you didn't earn 35k in 1989, you lied Link to comment Share on other sites More sharing options...
Neil Posted October 26, 2023 Report Share Posted October 26, 2023 Just now, fraybentos1 said: which is still under half of your made up take home pay. For a five bed gaff i think that's not bad you didn't earn 35k in 1989, you lied maybe i didn't thats my memory of what i was earning.i was a sparky on piece work Link to comment Share on other sites More sharing options...
fraybentos1 Posted October 26, 2023 Report Share Posted October 26, 2023 Just now, Barry Fish said: Where am I going wrong ? he's making it up 1 minute ago, Neil said: maybe i didn't thats my memory of what i was earning.i was a sparky on piece work that's as close as we're gonna get to you admitting you made it up. thanks for the confirmation Link to comment Share on other sites More sharing options...
Neil Posted October 26, 2023 Report Share Posted October 26, 2023 1 minute ago, Barry Fish said: £75k + 110% mortgage = £82.5k... Interest rates in 1989 where around 15% meaning a repayment of around £1075... Interest rates going to 16% meaning a repayment of around £1121.. Where am I going wrong ? perhaps your maths today is better than my memories of stuff i've had no need to remember for 30+ years until this convo. Link to comment Share on other sites More sharing options...
Neil Posted October 26, 2023 Report Share Posted October 26, 2023 2 minutes ago, fraybentos1 said: he's making it up that's as close as we're gonna get to you admitting you made it up. thanks for the confirmation if i never owned that house why did i later pay the mortgage company £10+k in repossession losses? can you remember your conception from 30+ years ago? then why are you expecting perfect memory from me? Link to comment Share on other sites More sharing options...
Neil Posted October 26, 2023 Report Share Posted October 26, 2023 (edited) 4 minutes ago, Barry Fish said: I think so at this point. And its fair enough to admit you got it wrong. if i insisted everything i've said is 100% accurate g (cos my memory isn't perfect cos my brain has been fried), that would be the making it up, vacuous frey has been sayin - guess he's pissed off that I've had a more successful past that i f**ked up than he'll ever get close to. Edited October 26, 2023 by Neil Link to comment Share on other sites More sharing options...
fraybentos1 Posted October 26, 2023 Report Share Posted October 26, 2023 2 minutes ago, Neil said: if i insisted everything i've said is 100% accurate g (cos my memory isn't perfect cos my brain has been fried), that would be the making it up, just admit you got it wrong and leave it maybe then eh? stop crying cause your bullshit got called out 2 minutes ago, Neil said: guess he's pissed off that I've had a more successful past that i f**ked up than he'll ever get close to. you know nothing about me 🙂 Link to comment Share on other sites More sharing options...
Neil Posted October 26, 2023 Report Share Posted October 26, 2023 Just now, fraybentos1 said: just admit you got it wrong and leave it maybe then eh? stop crying cause your bullshit got called out you know nothing about me 🙂 i know you're enough of a waster to post here all day. just looking at rightmove for houses in that area now, not seen one for less than £3+M yet. my house wouldn't be that (had been pulled down last i heard) Link to comment Share on other sites More sharing options...
fraybentos1 Posted October 26, 2023 Report Share Posted October 26, 2023 1 minute ago, Neil said: i know you're enough of a waster to post here all day. come on now Neil, this is rich Link to comment Share on other sites More sharing options...
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