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125% is just a figure and it's the amount that you loan and the ability to pay it back that matters; although they don't offer these mortgages anymore, perhaps because of the messages they were sending out.

I think it's just too damm easy to get credit now. I went to Currys with £300 in my arse pocket to buy a new washing machine and they didn't want to take it. "Why pay now when you can pay next feb?" they said.

As Bert points out, credit was harder to come by 30/40 years ago apart from the odd mortgage and HP scheme.

I've been the victim of ID fraud, why? because the likes of Littlewoods and Telewest gave credit to some idiot too easily without carrying out adequate checks.

I had such fun with credit services when they tried to chase me for the money. My mate got me the last seven years of my CTAX bills from the Council (to prove I'd lived at my current address) and I sent those over in a buff envelope with a nice helping of cat shit as a present.

Similar thing happened to me a few years ago, i wanted a 3 piece suite and asked the salesman how much he would knock off for cash, he looked at me as if i was mad, he said i didn't have to pay anything for 12 months then i could have 4 years interest free credit, when i replied i didn't want credit i wanted to pay cash with some knocking off for cash, he said it would then cost them money and they were not interested, took my business else where.