[user104658]

Originally Posted by Cherie

I didn't say you per se, but plenty people resent them for it, same as they are resented for having free uni and all the other stuff that was around back then, its pretty pointless being envious because it was just a fluke that they bought at that time, there were plenty people who didn't buy as well, same as now.

I don't think there's resentment for them having things like free uni fees... It's more that a lot of people who did, are now totally against the idea of young people now having the same thing, now that they are working and it would be from their own taxes. They were happy to have it, but also happy to see it go as soon as they personally no longer needed it, which seems hypocritical and selfish. I think that's where the resentment comes from.

[DemolitionRed]

Originally Posted by Toy Soldier

I don't think there's resentment for them having things like free uni fees... It's more that a lot of people who did, are now totally against the idea of young people now having the same thing, now that they are working and it would be from their own taxes. They were happy to have it, but also happy to see it go as soon as they personally no longer needed it, which seems hypocritical and selfish. I think that's where the resentment comes from.

Thank you for saying what I've been trying to say badly!

[Cherie]

Originally Posted by Toy Soldier

I don't think there's resentment for them having things like free uni fees... It's more that a lot of people who did, are now totally against the idea of young people now having the same thing, now that they are working and it would be from their own taxes. They were happy to have it, but also happy to see it go as soon as they personally no longer needed it, which seems hypocritical and selfish. I think that's where the resentment comes from.

that's pretty sad as well, people can be incredibly petty, you pay tax where it goes nobody knows really and it's not like taxes would be specifically raised to fund it, I would love my kids to have free uni but it won't happen for them, hopefully for some down the line

[user104658]

Originally Posted by Cherie

that's pretty sad as well, people can be incredibly petty, you pay tax where it goes nobody knows really and it's not like taxes would be specifically raised to fund it, I would love my kids to have free uni but it won't happen for them, hopefully for some down the line

Well I'm a freeloading Scotsman so I did get free tuition ... So who cares about you English folk, up it to 100k a year I say, price the English out of the market so that you all have to recruit graduates from Scotland.

...

[Kizzy]

Originally Posted by Cherie

it boils down to what you are used to 225,000 for a flat in London is a bargain! and you would need nowhere near a 90K deposit. I have asked youthe price to buy of a one bed in Leeds and am still waiting

I have already said a number of times living with parents isn't always an option though you seem very fixated on it, what about renting a room, when my neighbours moved into their house they rented a room to a couple with a baby to help them get some money to make renovations, I don't know where they put these people as there are 5 of them, but anyway they did it and they got the money for a new bathroom or whatever it was, that worked both ways the family got their new bathroom and the couple got a cheap room for a year, throwing your hands up in the air and saying it can't be done is no good to anyone, sort term pain for long term gain I suppose

What about the young people of the south though.... We are sorted here in Leeds it's practically doable.
The solution you have come up with is whole families living in one room on a short term let?!... Well it's a step up from sofa surfing I suppose, it's still no replacement for affordable housing.

And it will take how many years of moving from bedsit to bedsit? Poor poor kids

[Kizzy]

Originally Posted by Cherie

[/B]

I didn't buy in the 80's I bought in the 90s when interest rates were 15 per cent and then we had a recession and Mr C had to travel long distances to get work, anyway as I said earlier we should leave London out of the equation as prices in London are ridiculous but as has been pointed out, outside London prices are not that extortionate and seem pretty affordable in general.

With regard to the property belonging to the bank, as TS pointed out any equity isn't the banks and pay rent for a roof for 25 years when you are at the whim of a landlord and might have to move frequently and have nothing to show for it in 25 years time, or pay a mortgage and own your house, plus have the stability that unless things go seriously wrong its your home. I can think of nothing worse than a landlord rocking up with a notice to quit especially if you have a family

so have had a look at Leeds prices they seem to range from 44,000 for a one bed to 150,000 for a two bed.

https://www.payscale.com/research/UK...a-Leeds/Salary

and the average wage is 26,000

https://www.payscale.com/research/UK...a-Leeds/Salary

how is that not affordable

Why are you so fixated on Leeds.... I'm not on nearly the 'average' wage or even a 'living' wage sadly, and neither are a lot of people in London and the rest of the south...What about them, why can't we talk about them?

[user104658]

Originally Posted by Kizzy

Why are you so fixated on Leeds.... I'm not on nearly the 'average' wage or even a 'living' wage sadly, and neither are a lot of people in London and the rest of the south...What about them, why can't we talk about them?

Because London is a shadow realm wot must never be named lest its influence spill out into the real world

[Cherie]

Originally Posted by Kizzy

What about the young people of the south though.... We are sorted here in Leeds it's practically doable.
The solution you have come up with is whole families living in one room on a short term let?!... Well it's a step up from sofa surfing I suppose, it's still no replacement for affordable housing.

And it will take how many years of moving from bedsit to bedsit? Poor poor kids

It's good to see that you can finally see the wood from the trees and that it is possible to get onto the housing ladder outside London if you have a mind too only a few days ago you were hand wringing and agreeing with Cal's 100 year saving plan for everyone living in the UK, a 5 year plan would seem more realistic would you agree? With regard to London unless you feel I should personally solve the housing crises we have a Mayor who put housing very squarely on his manifesto, I posted this link earlier in the thread, maybe you missed it, I urge you to be strong when you see what he advocates as starter home prices we are waiting for him to come good on his promise, so far he seems more fixated on getting rid of wood burning stoves to improve the atmosphere

http://www.sadiq.london/homes_for_londoners_manifesto

Finally average wages are what it says on the tin, average, it means not everyone will be earning that amount but equally some people will earn more, so you are able to buy your home on a non living wage how are you managing that?

[Vicky.]

I would have to save for like 20 years to get a deposit for a house. And noone would touch me with a barge pole for a mortgage. So I would have to buy outright which would take me like 200 years to save

[Cherie]

Originally Posted by Vicky.

I would have to save for like 20 years to get a deposit for a house. And noone would touch me with a barge pole for a mortgage. So I would have to buy outright which would take me like 200 years to save

Credit history can be a bigger problem for a lot of people they can afford repayments but computer says no

[user104658]

Credit report clears after 6 years. Vicky has a criminal record

[Vicky.]

I have both a terrible credit history, and a criminal record

[Cherie]

Originally Posted by Vicky.

I have both a terrible credit history, and a criminal record

On the plus side you can't get into anymore debt I guess I didn't realise you couldn't get a mortgage if you have a criminal record, does that mean you can't travel to the States either?

[Vicky.]

I can go to the states, as my record isn't for violence, its for fraud. Apparently its only violent crime they are worried about, or serious offenses.

I din't know a criminal record affected mortgage either, guess I have absolutely no chance ever then

[user104658]

Originally Posted by Vicky.

I can go to the states, as my record isn't for violence, its for fraud. Apparently its only violent crime they are worried about, or serious offenses.

I din't know a criminal record affected mortgage either, guess I have absolutely no chance ever then

It'll affect you specifically because it's a financial crime Vicky . It's like the opposite of travel... They wouldn't care if it WAS violent crime, but fraud will make lenders run a mile probably.

Credit history doesn't have to be a problem, if you can clear debts and keep a clean credit record for 6 years you're fine. All defaults / even CCJ's etc. fall off of your credit report after 6 years.

[Vicky.]

I would never be in a position to get a mortgage anyway tbh. Unless doctors finally fix me. Given I cannot work at the moment and am dosed up on morphine near 24/7. They aren't even investigating anymore...they just have written me off on painkillers for life :S

[Cal.]

Originally Posted by Vicky.

I would never be in a position to get a mortgage anyway tbh. Unless doctors finally fix me. Given I cannot work at the moment and am dosed up on morphine near 24/7. They aren't even investigating anymore...they just have written me off on painkillers for life :S

That's so annoying.

I hope your health issues subside some day soon Vicky.

[smudgie]

Originally Posted by Vicky.

I would never be in a position to get a mortgage anyway tbh. Unless doctors finally fix me. Given I cannot work at the moment and am dosed up on morphine near 24/7. They aren't even investigating anymore...they just have written me off on painkillers for life :S

No bloody way
Don't let them give up on you Vicky, can you change your doctor?
Get in touch with your papers..MP etc.?

[Kizzy]

Originally Posted by Cherie

It's good to see that you can finally see the wood from the trees and that it is possible to get onto the housing ladder outside London if you have a mind too only a few days ago you were hand wringing and agreeing with Cal's 100 year saving plan for everyone living in the UK, a 5 year plan would seem more realistic would you agree? With regard to London unless you feel I should personally solve the housing crises we have a Mayor who put housing very squarely on his manifesto, I posted this link earlier in the thread, maybe you missed it, I urge you to be strong when you see what he advocates as starter home prices we are waiting for him to come good on his promise, so far he seems more fixated on getting rid of wood burning stoves to improve the atmosphere

http://www.sadiq.london/homes_for_londoners_manifesto

Finally average wages are what it says on the tin, average, it means not everyone will be earning that amount but equally some people will earn more, so you are able to buy your home on a non living wage how are you managing that?

Cal didn't specify how many, isn't the whole of the south bad enough...Or do you want a mass exodus to Leeds?
I have never asked you to solve it I asked for ideas for southerners struggling heading north isn't always viable neither is kipping in some old dears back bedroom while she saves for a stairlift.
I get a 50% discount on this post war prefab which is not worth much to begin with, a mortgage on it would be less than my rent.

He can't have my woodburning stove! ( it's DEFRA approved though )
You of course know the real reason, the energy companies profits are affected so are pressuring the govt to do something to force people back to fossil fuels the dirtiest fuel there is. :/

[Vicky.]

Originally Posted by smudgie

No bloody way
Don't let them give up on you Vicky, can you change your doctor?
Get in touch with your papers..MP etc.?

No way am I going to the papers. Most people I know don't even know how ill I am as I mask it with a ****load of painkillers if I am going out and will be necking morphine in the loos. Or I cancel going out, if its too bad

Can't change doctors apparently as we tried to a while back because of a serious mistake a doctor made with Skye and were told that we have to use the one we are currently using, something to do with distance from surgeries or something :S

I have considered instead of doubling/tripling my morphine doses just going to A+E when its really bad and if I go enough they will have to actually sort it. But I don't want to waste A+Es time when I can sort it myself. Though when I sort it myself it means I have no morphine for half the week...a problem I have tonight actually. Had a really bad few days, and have no morphine left from my weeks supply, and can't get more til Tuesday. So may end up in A+E anyways at this rate for IV

My MP is crap and has not replied to the last 2 emails I sent him

[DemolitionRed]

From what I'm understanding Vicky, they are treating the symptoms without knowing the cause? Have they tried/attempted to give you a diagnosis of anything?

[Cherie]

Originally Posted by Vicky.

I would never be in a position to get a mortgage anyway tbh. Unless doctors finally fix me. Given I cannot work at the moment and am dosed up on morphine near 24/7. They aren't even investigating anymore...they just have written me off on painkillers for life :S

Vicky a friends husband is in the same situation, constant pain that the docs can't pinpoint or cure

[Cherie]

Originally Posted by Kizzy

Cal didn't specify how many, isn't the whole of the south bad enough...Or do you want a mass exodus to Leeds?
I have never asked you to solve it I asked for ideas for southerners struggling heading north isn't always viable neither is kipping in some old dears back bedroom while she saves for a stairlift.
I get a 50% discount on this post war prefab which is not worth much to begin with, a mortgage on it would be less than my rent.

He can't have my woodburning stove! ( it's DEFRA approved though )
You of course know the real reason, the energy companies profits are affected so are pressuring the govt to do something to force people back to fossil fuels the dirtiest fuel there is. :/

Defra approved means nothing now apparently, this will be the same as buying diesel cars


https://www.msn.com/en-gb/news/other...ves/ar-AAsACWR

[smudgie]

Originally Posted by Cherie

Defra approved means nothing now apparently, this will be the same as buying diesel cars


https://www.msn.com/en-gb/news/other...ves/ar-AAsACWR

We loved the idea of a wood burning stove, but since someone 2minutes away had their installed we have noticed black dust settling on our windowsills, even with double glazing.
Might settle for a gas or Bioethenol fake looking one now.

[Kizzy]

Originally Posted by Cherie

Defra approved means nothing now apparently, this will be the same as buying diesel cars


https://www.msn.com/en-gb/news/other...ves/ar-AAsACWR

Aw well good job there's nice big coal fed power stations to produce lots of nice 'clean' energy then eh?