We have had our first deletion of a post and I think it illustrates the need for the Posting Standards quite well.
You would not be expecting it on this thread which simply seeks to create a table of the highest rates home owners are paying on their mortgages.
I want to compile a list of the Standard Variable Rates. Some Irish lenders have not reduced their SVRs for years - offering fixed rate deals but leaving a lot of ignorant customers on much higher rates. BoI 4.5% Ulster Bank 4.3% KBC 4.25% - https://www.kbc.ie/help/mortgage-support - See...
www.askaboutmoney.com
1) Iamaspinner replies with a very useful addition to the opening posts suggesting including Avant in the table.
2) Then bizarrely, demoivre accuses me of being ignorant. I bristle. I can't figure out if he is being funny or being abusive. He is a long term poster who I don't associate with being abusive. But it's not funny either.
His first point makes no sense at all to me, and seems to be completely off topic.
On his second point, I have said up front that I can't find the information I am looking for on KBC's website. All the other lenders make the information easy to find. I know that I could not find it before and when I looked for this thread, I couldn't find it. But Demoivre says it's "freely available.". So I look again and still can't find it.
It is there but it's multiple clicks away.
Anyway, not sure why he is accusing me of being ignorant and as he provided the information I was looking for, I don't react.
I ignore his first point. And politely ask for a link to the second point which he then explains how to find. It would have been nice if he had apologised for saying it was freely available, when it was actually very hard to find, but most people don't bother with such apologies.
3) Although this thread is clearly about home loans, moneymakeover decides to post some BTL mortgage rates, so his post is deleted as being off topic and he gets a message to that effect.
Not content with that, he comes back to say "You don't mention if you are including investor rates"
The title of the thread is very clear:
What are the highest rates Irish home owners are paying on their mortgages?
The table is clearly about home loans and not buy to lets.
I tell him that, to which moneymakeover responds
"Is a rental property not a home?"
Here is a useful factual thread which is in danger of being dragged off topic by a failure by moneymakeover to simply say "sorry , I missed that."
So he met 4 of the 6 criteria
argumentative, quarrelsome, offensive, pointless, off topic or mean-spirited posts
So his was the first post deleted under the new Standards.