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House Price Crash Forum


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About awf

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    HPC Regular
  1. You're completely missing the point. I think the author of this list is not looking for forgiveness or redemption, the author is trying to have a poke at all the other mainstream lists so far which blame the bankers, government, regulators, et al but let the greedy, irresponsible public ('sheeple' as some people call them) off the hook. Thankfully I can see at least some HPC members are 'getting it', but I'm dismayed that few have so far seen the point and seem to have taken it as a personal slight against their own views.
  2. So, if you take out a mortgage that's 6x your income, and believe the hype that house prices only go up, and espouse this bullcrap - it's the bankers fault? No one frog-marched these people to the bank to take out a mortgage. I thought people on HPC knew this and knew how to handle personal finances but it seems HPC has become part of Brown's propaganda chain.. and is not even aware of it. I'm not defending bankers by the way.. I just thought that it's an alternative list for those who are in neg equity who think Gordon Brown is "the man of the hour" and that the banks are at fault for their own folly. And I'm not going to get sucked into an existential debate with you Injin
  3. I'm sorry, I must have posted this on the wrong forum, I thought this was housepricecrash.co.uk but so far all I see is a bunch of people swallowing government line: "It's all the bankers fault that I can't afford my mortgage which I took out at 6 times income". Perhaps I should have made this clearer but It's not meant for HPCers!
  4. Well I should have added it's more of a list to share with your non-HPC friends who get their opinion from the BBC and/or Daily Wail.
  5. Written by an American, but just about nails the people responsible, good list this is. http://bankling.com/2009/13-people-you-can...conomic-crisis/
  6. I'm in a block of flats so noise can be a problem. Had to tell Polish neighbours at 11.30pm to turn it down a couple of time but they were no problem - the real problem was the toss3rs in a flat above. I'm sure every flat in the block could hear them, since we not directly under them. Anyway it was every Sunday night without fail for a while - up till 2am in the morning. I went up a couple of times to bang on their door and they either didn't hear it or they ignored it. So one night I took my set of FB keys, went to the water cupboards and shut off their water, then I went to the cupboard where the telephone switchboard is kept, unscrewed their point, pulled out the wires and then screwed it back up again and locked both cupboard doors back up. Well, I got a better effect than I was expecting - they must have been streaming their party music because immediately after pulling the wires out I heard that crashing noise like when you lose your internet connection then it went off. They have never played their music so loud since. They probably paid £120 for BT engineer to come out and find my sabotage and it seems to have worked a treat. I recommend anyone getting a set of FB keys from eBay or wherever for just such 'emergencies'.
  7. The answer is don't bother with University, Look into industry qualifications and apprenticeship programs instead. It's been 6 years since I graduated and the last two jobs I've had have had nothing to do with what I studied at university (albeit I studied a computing degree). In fact, I'd say going to Uni delayed my chance to gain the skills I needed to get to where I am now sooner. There is only one job where my Uni degree actually helped me get my foot in the door, but that's about as far as it got, the rest was new skills and I can imagine there are plenty of other ways to get your foot in the door.
  8. I once knew someone who did exactly that. His wife did cheat on him though. Sounds like a good premise for a BBC sitcom.
  9. I can only give you my own example. Block of 2-bed flats. Built in 2006 bought then sold over the period of 2006-2007 range of prices from £140k - £220k. We moved in in 2007 and were paying band D tax. Valuations office took highest price of £220k (band D ) when calculating. But our particular flat stated £140k (band B ) on land-registry website. Valuations office wouldn't accept this and simply stated the land-registry valued it at £220k (most likely the man I was in talks with was lying because I applied directly to the land reg and paid £3). Eventually agreed to write to the landlord and landlord stated bought for £170k (band C ) which was another figure altogether. Valuations office still wouldn't accept this so I asked to be referred to the courts. Summons was granted and valuations office backed down and settled on a band C. I could have gone to court and fought for a B but I don't think I would have got further since the landlord's price would probably be the most trusted. Still, how can the valuations office get a value of £220k, the land registry report £140k, yet the landlord paid £170k? Definitely sounds like the developers were doing something underhand - at the same time I look at our neighbours listed purchase prices and take pitty since some of them got major ripped off. ETA: remove stupid auto smiley
  10. Of course it has an effect! Unless you have the deed for a purchase in 1991, the valuation is calculated using the price of the last purchase. So anyone who bought (particularly new build) from 2003-2008 an over-priced bubbled house is going to be paying over-priced back-valued council tax.
  11. It's a good question and but I believe anyone trying to get their council tax reassessed is going to be in for a struggle. I think you can only get reassessed if you've moved into the property recently or made changes. Otherwise, those who sailed on the boom and didn't care because their property 'value' was rising are probably stuck with the banding now (but someone smart who moves in after you've left may get it reduced). I recently got the banding for our 2-bed flat from an outrageous D to a C (which I still think is too high). Uncovered a load of dodgy dealing by the original developers in the process (one of those pay asking price and get a 'cough' discount - type deals). It took quite a few persuasive letters and willingness to take it to the high court before the valuations office backed down. It p1sses me off no end that banding has expanded with house prices (e.g. unless you have docs for 1991 purchase of your house you have to recalculate backwards based on last purchase - which in many cases is over-priced), but new builds from this point on should certainly get proper valuations now.
  12. He looks so in love, I hope Barack doesn't break his heart.
  13. We don't have to worry.. I'm sure the government will step in and guarantee any deposits lost from savers who move their money elsewhere (and offshore).
  14. There will still be sales (not the discount kind), but it's like someone said above - it will be lean businesses and it will be purchases from necessity rather than luxury ie. replace something broken. And then there's always the closing down sales.. when business goes bankrupt - and that will be the fat businesses that have managed so far on overpricing or debt, but lose shoppers.
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