I agree with most of what  you say there, too many people moaning about not being able to get a mortgage, it is true to say the banks have been reckless with their lending, or some banks have, now the risks are too great, and this risk is reflected in the criteria and rates, as they should be, but the crux of it is banks are commercial ...

We are being socially engineered, it is as simple as that.  Why do you think the Scots and the Welsh assemblies vote in favour of no prescription charges and no tuition fees etc etc, why can they vote on English policy but our MPs can not vote on Scottish or Welsh ? could it be that they are Labour strongholds and without them Labour would ...