Rossco,
Thanks mate....a useful contribution here and one I fully agree with.
As for £100k in debt, I do wish people would stop manipulating things in order to make their own argument more cogent.
For 1/ Is the type rating really 25/30k? I don't believe so (although could be wrong, I don't know the FYR specific) but would have thought more like £20k
2/ The max HSBC will loan anyone is indeed £50k, so we're talking £70k debt absolute worst case (which, admittedly is a bad one), not the £100k those that want to justify their own position would have everyone believe.
Aviator is right...and you do have to wonder if/when people will start realising that the debate will never end and thereby stop TRYING to force it.