I certainly read my agreement dear Commandkiller, and it said interest rates are variable. I understand this as going up OR down according to market conditions, and I bet so would you. I did not understand this as rates will only go up, even when cost of money is zero.

But, like I said, rant is not about having signed on the dotted line. Thanks for the lecture on responsibility to us bunch of schoolkids, Commandkiller, but all your're doing is shifting the goalpost, and siding with the palyground bully.

Rant is about MSN having endorsed a company who abuses its power. If that company had not stopped lending, MSN would surely still endorse it. MSN signed on the dotted line too. So they should be open to Halifax's rant just like we should be open to yours, I guess. So you can rant and preach all you like. It does not change the facts.