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Everything posted by s2r2005

  1. don't worry, prices will drop off a cliff on tuesday. i pick the keys up to the place i just bought on monday afternoon. i bought it at the price it was last sold for in 2004 mind, so i think a fair bit of crashing has been priced in already. tho i suspect more to come in a year or so for family reasons i can't really wait. if you don't have reasons like this hang on, and keep away from shared ownership - still new build slave boxes on the whole, go for a flat in a converted house if you have to buy.
  2. just want to add my support for this, just completed and spent around £300 more than a chain conveyencer would have cost for the work. for this extra money the solicitor walked round the property with a tape measure and some very old deeds checking out a couple of potentially very serious boundary issues. both of which we got the sellers to resolveand looked into some complex watercourse issues to see what liability we had. money well spent.
  3. i'm buying too, pleasant semi. i expect that prices will go down a bit but have 2 kids now and my landlord is selling the flat this year, so it suits us. we are getting it for the price the owners bought it for in summer 2004, with the money i got for selling my place in december 2005, plus a small mortgage on a 5 year fix. i don't think i've done brilliantly financially but i've done alright, and i'm looking forward to a better home for my family. so there will probably be a 50% crash on monday when we exchange.
  4. could we have a link to evidence that people of this or similar surnames are disproportionate BTL speculators please? or is this more ill informed knee jerk brain spasms from someone for whom life has really not worked out as well as they hoped and would like someone foreign looking to blame for it?
  5. +1. i must be getting desensitized because that ill considered stream of hate almost passed me by. thank you for the reminder that it is in fact so far from anything that anyone decent would consider reasonable that the writer ought to get checked by their GP. except they are probably another one of those immigrants and you can't get an appointment for all the forrins in their bleeding our health system dry etc etc
  6. was that before or after him and cherie bought that penthouse apartment in bristol as an investment property i wonder?
  7. i think i have joined the bears turned bulls too.... well not quite as i still expect prices to fall this year but put an offer in on a place for just a little over what was paid for it mid-2004. the sellers don't seem able to accept less due to circumstances and they have made a few decent improvements (double glazing). crazy thing in the few friends in town we have mentioned it to think the house is a serious bargain, rather than a rather fair price that reflects recent falls but does not account for likely later ones as i do. to be honest part of me will be releived to get out of cash and into something a bit less prone to inflation too.
  8. i don't mind paying for these things but child protection round where i live is at a haringey level of crapness according to a recent reporty and the tory councillo in charge is refusing to step down over the scandal. kids have died due to poor social workers in a poor department and i seriously object to paying for them to fail kids for years.
  9. i lived between se5 and se15 for 10 years and though i like it, i don't like it so much i'd pay those crazy prices for an area that outside of a few gilded street is pretty damn rough. rough in an okay way, but still rough. is the hermits still one of the best pubs in london?
  10. we got one of those too A 74-year-old Hebden Bridge benefit cheat could be forced to pay back £1 million after 11 years of fraudulent claims. Brian Sutcliffe, 74, of Thistlebottom, Charlestown, Hebden Bridge, received almost £150,000 in income support and tax rebates while earning £60,000 a year. He used the money to fund a lavish lifestyle of foreign travel, continental timeshares and remortgage payments on his home – which he may now lose. The fraud came to light when investigators discovered Sutcliffe, a company director, held several part-time jobs and had pensions worth £465 a month. A Yorkshire Bank account had mysterious payments amounting to £158,500 made into it while a further £22,000 was invested in Premium Bonds. Now, the Department for Work and Pensions has vowed to pursue the case to retrieve £1 million under the Proceeds of Crime Act. The £1 million will include, not only the £150,000 fraudulently claimed, but also any profit made from investing the illegally received cash. It means just two months after being jailed for three years for false accounting, making a false statement and keeping a wrongful credit Sutcliffe faces losing everything. The fraud began in 1995 when Sutcliffe was freed from prison for theft and possessing illegal tobacco. He continued to claim benefits his wife received while he was inside and then added to the income by also claiming in his own name. He also received mortgage interest payment help despite the property being remortgaged in 1991 to buy N and R Demolitions. Over 10 years he falsely claimed £145,599.77 – about £17,000 a year. Similar charges against wife Judith were dropped because she suffered a brain haemorrhage in March 1995 and allowed her husband to take over the family finances. A confiscation hearing at Bradford Crown Court was adjourned to August 12. Martin Robertshaw, for Sutcliffe, said the claim would be contested. he is in prison right now until he pays the money back and has reduced the price on his house slightly http://www.ryburne.co.uk/beaumonthouse.htm in order to repay the money tho' does not appear to be in a hurry. i like that the EA add says 'keen to sell'. i look forward to seeing lord ashcroft in similar straights when he gets a backdated tax bill.
  11. a shame if he is, i think he has gotten better with age and looks more like a credible leader now than anyone else in the party if there is even a shred of fight and ability left in labour they should nail dave on this though. i suspect they won't.
  12. From The Guardian today: --------------------------- Fresh concerns about Lord Ashcroft emerged tonight when he was accused of "systematic tax avoidance" by exploiting his offshore status to avoid paying VAT on opinion polls he commissioned for the Conservatives. Ashcroft privately ordered what he boasted was the biggest political polling exercise ever conducted in Britain in 2005, in order to aid the Tories as they targeted marginal seats. The cost of the polls, commissioned from YouGov and Populus, is believed to have approached at least £250,000. But sources familiar with the transactions told the Guardian that the bills were paid by one his companies in Belize, meaning he did not pay VAT. Tonight, the Liberal Democrats' Treasury spokesman, Vince Cable, said: "This is quite serious. We are now not talking just about Ashcroft's non-dom status, but about systematic tax avoidance in funding Conservative party activities such as polling. How far were the Conservatives aware that Ashcroft did not pay VAT, as would have been incurred by any normal polling activity?" The new allegations came amid growing concerns in David Cameron's circle over the handling of the affair by William Hague, his shadow foreign secretary. It emerged earlier today Hague kept Cameron in the dark for at least a month after he learned that Ashcroft had renegotiated the terms of his peerage and acquired non-dom status. Cameron found out the truth about Ashcroft's tax affairs less than a month ago. A party spokesman confirmed that Ashcroft did not even reveal his tax status to Cameron when in December the leader approached him to discuss plans to ban non-doms from parliament, despite the fact that he had already told Hague. ---------------------- It is not looking good for dave and george really, this should have been sorted out months ago if they wanted to look like serious contenders, will this take and edge of their lead i wonder or will ashcroft have to go?
  13. mind you the hours i do it feels like i am working for free sometimes.
  14. i did not mean to imply i was gifting anything to anyone, i work for ther NHS out of a sense of commitment to the ideal of free health care. i was just pointing out that in hard economic terms i am paid less in the public sector than the private as a means of demonstrating that some clinicians provide value for money to taxpayers. or put another way, by reducing someone's debilitating mental illness you are making them more able to contribute economically and as importantly socially. i am no fan of private healthcare btw, just had a spot of financial bother and it made more sense than doing something else to earn the money i needed to get.
  15. sorry for the late answer, no time to browse HPC at work..... i am a clinical psychologist specialising in cognitive behaviour therapy (identified as very cost effective in the layard report a few years ago). 3 years training as an undergrad, 3 doing a doctorate then a considerable amount of post-doc training. is that what you would call a 'clinician'?
  16. i am a front line clinician in the nhs, i earn £20 / hour pre-tax when you figure in annual leave, £24 when you include pension contributions paid my by employer, i consider this to be a good wage and i am happy to work hard for it. when i did some clinical work privately a few years back i was charging £75 / hour, and was told by several patients that they were amazed at how cheap i was. if i did the work via an insurance company i could charge £90 an hour. just a thought, some of us are very good value and work hard out of a sense of commitment to the job. and i think in the long run save the state a considerable amount of money by getting people better, quicker.
  17. How the Fu-k do people like him get away with it. er miko i think you'll find that he didn't get away with it in the end. it has been repoed. i wonder tho if his finace for it was sharia compliant? >>Or was it his appearance on "homes under the hammer" that did it? i think it was Homes Under the Hammas.
  18. yes thanks, i used to live a few doors away from the one in grimsby. looks like that area has avoided gentrification for the past 20 years!
  19. i've already waited too long, and all my hope has gone. so, turning bull i think.
  20. well, i sold in dec 2005, not out of any great finacial wizardry but out of necessity. the money i made from that has grown about 10% in that time as i am very conservative about where i put it and being able to withdraw instantly. it has probably covered my rent and then some realistically speaking tho have used my wages for that. i have put off buying again as prices are crazy here in west yorkshire and i just feel sick at the thought of paying so much for so little, meanwhile prices edge up and interest rates edge down. i will buy when a decent place come along at a reasonable price, and by that i mean 20% below 2007 peak, or when i grow totally weary of renting, which may be soon.
  21. we do things different in west yorkshire, in another article the judge said the house was only worth what someone was prepared to pay for it, not what the owner thought it was worth. hurrah! Published Date: 03 December 2009 AN ELDERLY Hebden Bridge fraudster who illegally claimed nearly £150,000 in state benefits has been sent back to prison to serve almost two more years after refusing to pay back the cash despite owning property valued at more than £500,000. Brian Sutcliffe, 76, of Thistlebottom, Charlestown, Hebden Bridge, was handed the 652-day sentence by Leeds magistrates. He will also have to pay back £167,944.59. Sutcliffe claimed the benefits over 11 years despite earning £60,000 a year as a company director. He claimed income support, pension credits, was having the interest paid on his mortgage, received council tax benefits between 1995 and 2006 which funded the remortgage on his home and trips to France and Tenerife. He had initially been jailed for three years in February last year for the crime only to be released in April this year. Last October, a confiscation order gave him 12 months to pay back a total of £188,144, including interest, or face a two-year sentence. Leeds Magistrates heard that since that time, apart from £20,000 of premium bonds he had cashed in, Sutcliffe had made no attempt to pay off what he owed. The court heard he was not prepared to sell his property in Hebden Bridge for a price he considered too low, he wanted to raise enough money so he could pay off the Department of Work and Pensions (DWP) and pay off a bridging loan he used to buy a property in France. Nor was he prepared to sell off his property in France because he was afraid he would have nowhere to live with his wife. The bridging loan was taken out in breach of a restraining order which forbade him to deal in any way with his finances without prior agreement of the DWP and the court. Sutcliffe had been putting an unreasonable price on his property and its adjoining land and stalled on offers that may have been amenable to the DWP, notifying them only when the offer had run out, according to the prosecution. He also had vehicles valued at £10,000 which he claimed weren't his and were only on loan as well as jewellery that had been valued at £14,000 but he now said did not belong to him or his wife but to his daughter. Passing sentence, Mr NA Reynolds, presiding, said: "You have displayed culpable neglect. We are going to activate the default sentence of two years. "We find you have exploited funds, you have depleted your Yorkshire Bank account and disposed of vehicles and jewellery". Mr Reynolds added that because he had paid off some of the money he would have to serve 652 days and that he would still have to pay the money when he gets out. Sutcliffe was described as having "significant assets" at the time of the confiscation hearing in 2008 – including the property he lives in with his disabled wife which has been valued at about £500,000. The property in France is worth about £150,000. A previous court hearing was told the fraud came to light when investigators discovered Sutcliffe held several part-time jobs and had pensions worth £465 a month. A Yorkshire Bank account had mysterious payments amounting to £158,500 made into it while a further £22,000 was invested in premium bonds. Martin Robertshaw, for Sutcliffe, said: "He came out of prison in April this year and it is now November, it is a short time to sort out his affairs. "Take into account the economic climate at this time, the difficulty of selling a house of this type at this time of the year." Speaking after the sentence DWP fraud manager Vernon Sanderson said: "We know that the vast majority of our customers are honest, and we're out to catch the small minority who aren't. "When people commit benefit theft, they don't get away with it. "As Mr Sutcliffe had discovered they face imprisonment, fines and other penalties. "We will also make sure they pay back the money stolen."
  22. i can't comment on the account as haven't seen the rates, they are not on that page but they are a huge bank in north india, and i think still governmnent owned.
  23. why isn't the mail targetting greedy private landlords fleecing our benefits systems and pricing hard working families out of being able to buy their own home?
  24. yes, these terrible salaries are on a par with GPs and dentists. does the taxpayers alliance still include leading lights who are taxdodgers? http://taxjustice.blogspot.com/2009/10/taxpayers-alliance-director-doesnt-pay.html
  25. i would be very happy for 35% off but i've already waited too long, and all my hope has gone. those people who said 'nah mate the goverment will never let it happen' were right apparently.
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