robert , they are mostly all scams, and you end up paying through the nose for them (you dont get nothing for nothing in this world )
as you say we went through the good times, but it did not seem like it at the timewhen I was struggling to pay my mortgage on a low income ., mortgage rates went through the roof, interest rates went up, I think nine times in one year ( may have been more ask your dad ) and like your dad, when they went back down, I kept paying the top amountas I was working regular overtime by then. The mortgage company did not like it ,and used to send me letters to reduce payments all the time as I was on an endowment mortgage , but I totally ignored them ,and at the end of term 25 years had a nice couple of grand back as well as having a couple of grand back for their bad advice about switching from a repayment mortgage to an endowment ( could not lose they told me, and at the end of the mortgage wanted to take some of my extra payments to make up thje shortfall
what a bob hope they had ,and they paid up after a few letters from mestating that I would take them all the way about thier bad advise .
