"Will interest rate cuts help people?"

The BBC allow four people to tell their stories.

I do wonder, does the BBC hand select self-pitying morons; does it wilfully misrepresent what they say; or are these people really representative of the population as a whole?
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Case 1: After [Ms Bodle's] fixed rate mortgage of 3.99% on £70,000 ended in September she took out a tracker deal with the Halifax, and her repayments rose by £80 a month.

F***ing hell, did she not do a bit of 'stress testing' and see what her finances would look like if mortgage rates went up 8% or 10% (unlikely a couple of years ago, I admit, but if you sign up to a twenty-five year mortgage, wouldn't you at least consider the possibility that rates might go up a few per cent at some stage?). Obviously not, as "when they announced it was one and a half, it was a weight lifted off my shoulders. It will work out as about an extra £50 in my pocket, which can mean the difference losing your house and keeping it."
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Case 2: Tom Sheridan, house builder:

"The housing market has slowed down but hopefully this is the trough of the drop. If the banks can get confidence back up it will help, but we're dealing with small amounts here."

Dream on, buddy.
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Case 3: Mike Eckhoff makes a couple of fair points, actually:

He says that due to his savings he is unable to claim benefits ..."I think... about £8,000 was the interest I received every year. Now the interest rate's cut by 1.5%, I'm going to be down to about £6,000 a year, which is not enough to live on... I'd be much better off if I'd spent the lot and then the government would bail me out. Unfortunately it looks a little bit that the people who haven't thought about the future, they're the ones we look after. But if you've saved money for your future, then you're not in a position to claim anything and no-one seems to bother about you."

Only how did Mike amass his fortune?

Mr Eckhoff lives off £8,000 interest from about £200,000 in savings from the proceeds of his parents' £160,000 house that he sold when they died, and his own life savings.

Right. So he has benefitted enormously from the house price bubble and ought to whine a little less about the bubble bursting.
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Case 4: Mr Okwalinga, 46, and his wife bought their house in Lewisham, south east London, from a housing association four years ago. They are currently living under the threat of eviction after falling behind on their mortgage repayments. He said the opportunity to renegotiate the level of arrears they are paying would help them more than the interest rate cut. The couple took out a £167,000 mortgage on the property, paying £950 a month at first, it soared to £1,400, and has now settled at £1,300 a month.

Same as Ms Brodle, frankly. £950 a month looks like a tad under 6.8% interest+capital, they should have reckoned with an increase.

Further, these people bought their house from a housing association, so I'm assuming that they got a Big Fat Discount from market value, and they're still whining:

"We're hoping there will be new directives to require the mortgage companies to renegotiate to ensure we have a roof over our heads."

F*** off, Mr O! For £1,300 a month you can rent a fairly decent house, I'm sure no worse than the one you've got. That's a roof over your head, isn't it? Do you run a restaurant to make a living or to feed the hungry? Do you let people eat for free if they can't afford to pay?