People Who Work in Banks.

When Bank employees steal funds from customers accounts regardless of the amount they should be immediately dismissed as an example for every Bank employee who teal funds from customers bank accounts because bank employees are university graduates even when they begin their employment at the cash tills and where they learn to know customer relations before advancing to various positions within the Bank.

My Bank as always been helpful when my visits were personal because customer services are trained to a high standard of Banking procedure so as a long-standing customer I appreciate the expertise of Bank officials in the Bank and when I am INternet banking via Customer support.

Mortgage – Mortgagee.

People who increase their mortgage payment by purchasing material things or extensions to their property should be allowed to extend a 30-year mortgage to avoid having to sell their home when they retire because many mortgagees are unaware that state pensions will only pay interest based on the initial monthly morgage payments. To avoid having to apply for Equity release funds mortgagees should be advised of potential problems at the end of a 30-year mortgage having only plus interest and having the mortgage capital to repay.

As I have in the past purchased the property in Australia and Britain I know we must allow District valuers to determine property prices to prevent vendors from deciding their own property value because to allow property prices to escalate above yearly inflation will result in many potential first-time-buyers unable to purchase property, which means the property is sold to companies.


My advice for first-time property buyers is to have an interest-only monthly payment mortgage for 10 years then switch to a Building Society reducible Mortgage for 25 or 30 years.

Mr, Joseph Robert Neil Landrut

My age is 84 and my name at birth was Joseph Robert Neil James but changed via a deed poll to Joseph Robert Neil land rut, during  March 2011.

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