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Everything posted by cartimandua51

  1. I suspect that one unintended consequence of squeezing out the small BTLer will be the difficulties experienced by the poorer / younger tenants. These often don't have the references /credit rating / guarantors reqired by the big guns, who woud rather have a void than take a chance of a "bad" tenant. Smaller landlords can't support the void and are therefore more likely to take on sub-optimal candidates, ones with pets etc... Sure, there are some lousy private landlords out there, but the better ones can provide a useful niche market.
  2. Further perverse encouragement for school leavers to start as they mean to go on - if she quit her job now she'd be sanctioned and much worse off than if she'd never worked. There's a good argument for providing low-cost accommodation for workers ( isn't that how the Guinness Trust / Peabody started? If you need bus drivers to start at 6.00am they've GOT to live locally) but why should someone who has NO realistic prospect of employment (eg the addict bloke) feel entitled to accommodation in Central London? Northampton where it said he went is as appropriate.
  3. What is new is the entitlement idea - I can't think of ANY period of history where a single woman with 4 children was a viable unit - where it happened (war, widowhood etc..) it was family, or the parish providing only a bare minimum. Hasn't that girl Billie ever heard of contraception?? OK, twins are an unexpected problem but that's still three birth events in eight years to be subsidised by the state.
  4. I moved to E&C in 1985 when it was a bit dodgy, but lived there with no problems for over 20 years. By the time I left it was being assiduously rebranded by the local Estate Agents as "South Bankside"! Such is gentrificatication....
  5. For me, the main advantage (were the facility available in rural Wiltshire) would be the ability to sidestep the contemptuous arrogance of the average GP (as well as the 4-week waiting time!)
  6. What are you bleating about? If BTL investors are the only ones who will look coolly at a property, offer what they think it's worth and walk away if it's too much, how is this bad for the average HPC'er?
  7. Many HMOs don't need a licence. Basically, if it's only on two floors (there are various twiddly bits of the regs) you probably don't need to be licensed. The LA can get you on various 'Elf-and-Safety grounds but the gov''t licensing rules were centrally determined. https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/9429/322463.pdf
  8. Be careful what you pray for! Are you absolutely sure you want the like of Cameron Clegg & Osborne having monopoly control of the availability of housing and therefore how much you pay, how much space you are allowed and probably removing your choice to (eg) live in a grotty but very convenient hovel rather than something "more suitable" involving a 2 hour commute. And don't forget the private sector has a place - unless you want all hotels, seaside B&Bs etc also to be run by the State.
  9. That's stretching Article 26 a bit!! it does say that elementary eduction should be compulsory, but goes on to say . 3.Parents have a prior right to choose the kind of education that shall be given to their children. State schools have to be free, but you don't have to attend them. Private education, tutors, home schooling all OK
  10. Also, the Law of Unintended Consequences: if you had a couple of children & 4 or 5 grandchildren living within 15 minutes walk, you would be much less likely to have to be shipped off to a residential care home as soon as anything goes wrong with you.
  11. They can install secondary glazing which cuts out 90% of the noise.
  12. Well, my daughter is currently doing an MSc in the Netherlands at about one-eighth of the tuition fee cost, so I'm not complaining. Rents & other costs are about the same except she cycles everywhere whci helps both her health & her (well, my) bank balance.
  13. In many cases, this would cause a furore. Recently I had to get a private prescription for a couple of common drugs (long story, not relevant) and went along to the pharmacist expecting to be stung for about £50. Actual cost? about £4 for each prescription. As I'm over 60 I don't usually pay charges anyway, but if I were a minimum wage worker I would be hopping mad at seeing the price differential.
  14. At this point other avenues must be considered such as initiating a false legal precedent to simply have the forum shut down and taken offline. Oddly enough, this has just happened to that well-known hotbed of revolutionary fervour, Sagazone. I was looking for info on page magnifiers - eyesight fine for most reading, but when travel companies etc use blue 6pt font on a grey background..... & discovered it had been abruptly closed - not even accessible cached as far as I can see- because of racist / antiSemitic comments which Saga felt affected their brand image. (Wonder if someone just dared to question Israeli politics?!)
  15. Yes they jolly well did. After my father died in 1972 Nottingham Council badgered my mother non-stop to move into a nasty noisy little flat in a very dodgy neighborhood. Result was she took up the right to buy as soon as it came in.
  16. IANAL, but I'd have thought the OP situation is a classic civil case. Theft requires the intention permanently to deprive; this may be the case sometimes when motorists fiil up with no intention of paying & drive off; but if you've left your correct name and address I don't see why it's a police matter. If you've sympathy with the petrol station employee, who will get his/her pay docked by the amount of the shortfall then it would be courteous to ring up HO /the manager to tell them. I'm just surprised that petrol stations don't already require payment in advance - shove your credit card in first then when it's established as good you can have your petrol; if cash then you pay your £50 or whatever up front and get a measured amount.
  17. Which is what the vast majority of households in the UK did until about 1970. Even the fairly wealthy didn't have fires in the bedroom unless they were ill. A hot water bottle was the norm, an electric blanket a luxury.
  18. SMI always seems to cause a disproportionate amount of anger among HPC'es. It's not that big a deal financially: SMI Data The table below shows that at May 2011 there were 205,2001 recipients of SMI, the majority of whom receive their SMI as part of PC and have the lowest average award. People receiving SMI as part of JSA account for only 15% the caseload, with the highest average weekly award. Table 1: DWP administrative data: SMI Caseload and Average weekly Award2 Jobseeker's Allowance Income Support Pension Credit All Caseload 30,000 66,400 108,700 205,200 Caseload (% of total) 15% 32% 53% 100% Average Weekly Award £50.98 £36.01 £20.24 £29.84 Original document with more figures http://www.dwp.gov.u...or-evidence.pdf Sorry, tabulation didn't carry over! But more than 50% to people over pension age and average payout only £30pw - peanuts compared with housing benefit.
  19. Go in stinking to high heaven of piss & dogsh$t. On any tapes you will look presentable and can have made "correct" and appropriate answers but you sure as hell won't get the job. Impossible to prove.
  20. Quite. If it's going to cost £10K to move, and you've got an "ordinary" house - 3 bed, bit of garden nothing fancy - you are better off doing a bit of future-proofing your house - eg replacing baths withs ones with grab-handles, widening any narrow doorways, installing downstairs lavatory if there isn't one etc. The retired who may want to move are those in the middle of nowhere - absence of local facilities becomes more important as you get older. While you may not want to join the SOSADS (Situated Opposite Shops And Doctor's Surgery) there is something to be said for moving to a town where most things are within walking distance. People retiring today are understandably chary of some of the nasty retirement pile-em-high and sell them expensive with high service charges flats; especially as they are noriously difficult to shift second-hand (bit like time-shares, really.) So the post-war boomers have every incentive to hang on grimly until, as Mrs Bear says, forced to move by illness or dementia; and these typically cut in when in the late 70s or 80s.
  21. Anyone on here old enough to remember why the old Schedule A tax was abolished? (c 1965 at a wild guess) The answer is probably lurking in Hansard but my dedication to research isn't that great! And of those dying, a lot will be renting, as they were of an age to benefit from the council building boom of the Macmillan years ( & not all all of them used the right-to-buy!) Most of the post-war boomers' parents will be dead by now, unless they are into their 90s, which is a minority. If not dead, they are likely no longer living in their own accommodation but in a home or with relatives.
  22. +1 The "desperate downsizing boomer" may happen but not for another 10 years. Without wanting to get into a "who were the real boomers" stuff, assuming we are talking about the post-WW2 boomers born 1945-50ish, they are only just into their mid 60s. They want the space for their visiting offspring ( who are marrying a lot later) and their children, do all the things they've been waiting for like enthusiastic gardening, getting a dog (not fair to get a puppy whom you'll outlive/ be unable to exercize in ten years time) and enjoy the social networks they've built up over the last 25 years. When they get to be 75 - 80 is when priorities will change and lots of stairs & large garden will become a burden; as well as the increasing likelihood of being widowed / divorced (a lot of long-term marriages don't survice retirement!)
  23. Yummy Mummies who dry clean a lot - virtually all Boden's clothes have "Do not tumble dry" on the care instructions. There's a limit to how many things one can hang over the bath, and running in and out to load/clear washing lines isn't popular these days!
  24. Or put in the number of your least favourite organisation- another insurance company? The local bailiffs?
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