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you make me smile. a) I am starting to understand where XColl is useful or not. B) 3M borrowing level? For that, you will have to wait, until tommorrow. :) Cheers all - thanks for helping with with a sticky bun situation. We all had to use our scone(s) and I am hoping it will help...

Pablo: / Rolf Pablo, what you have proposed is similar to what I use. similar to your "safety net" however against PPOR I have a small redraw facility of about 8K. This is for private emergency use, and for small buffer on home stuff. The LOC is strictly business ma'am. I don't touch...

Kristine: No offense meant or taken. You haven't offended me Kristine! I like your posts, and do read them! I choose not to get offended, unless you deliberately set out to offend in the first place. And then I check if they really did mean to offend me in the first place. And then I...

Sigh, everyone. Here's some questions that are currently being debated and I have read through nearly all the Cross Collateralisation threads (XColl) that I could find. Can I state the positions as I see it: Simon thinks they are not necessarily terrible for all scenarios, but would...