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House Price Crash Forum

We’re all in this together

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About We’re all in this together

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  1. Thanks, Folks. I am moved (pardon the pun) by your good wishes and support. I wish you all the very best.
  2. I feel like a turncoat, or a scab, but isn't this what Housepricecrash is all about? Asking price £395,000 Offer £325,000 Deal £330,000 Mr O'Spawn £9,900 Now I've finally found somewhere to live after four years of derisory offers, I don't much care what happens to it's 'value.' But I wish you well at Housepricecrash, a beacon of sanity flickering bravely in a world gone mad. I can only repeat my advice - get out there and bombard poor deluded sellers with derisory (or realistic) offers. If enough of you do it their confidence, and prices, will start heading south. Good bye and good
  3. From Global Meat news.com UK processors reject EU ban on ‘desinewed meat’ The British Meat Processors’ Association (BMPA) has criticised the European Commission’s ban on ‘desinewed meat’ (DSM), a product obtained using low pressure to separate meat from bones, calling it “a criminal waste of a valuable product”.
  4. Abolish General Elections and the Dissolution of Parliament. Instead limit each member of parliament to a five year term – eg, latest recruit George Galloway would have to step down in March 2017 at the latest. The result after a few years’ natural wastage would resemble any large organisation, with a relatively high but reasonable 20% annual labour turnover, and a couple of byelections each week. The greatest benefit would be continuity of policies rather than the current five year plan. The other fantasy (if I may, before I have to return to my cell) would be proper democracy, whereby th
  5. Who would YOU choose to lead us? I'll stick me neck out to start the ball rolling, and say, er, just a sec, no wait, there must be someone, hang on a minute I'll get back to you...
  6. What you're talking about sounds like democracy. A fine concept. I wonder where it's practised, and can only imagine what it would be like.
  7. Be careful what you wish for. Disability only happens to other people, until it suddenly happens to you. Sad fact is, it probably will. Nearly all of us will become disabled, instant death is for the lucky few. Think on, James.
  8. Thanks, folks Good advice, as always. I have written to the lawyer suggesting the money be split between two bank accounts, which seems the sensible thing to do, and of course, the lawyer is a sensible person. I guess I am paranoid. I wonder why. Of course the government would not let RBS fail. In an interesting change of emphasis, the current government said in the event of a banking collapse the banking act would allow it to lend money to the FSCS, which is itself a private comany whose website says "If a firm becomes insolvent or ceases trading we may be able to pay compensation to it
  9. Have had a cash offer accepted, lawyer says he will hold the money on my behalf, in one account in my name, to which the FSCS limit of £85,000 applies, in the "unlikely event the bank should fail." The lawyer will not be liable for any losses resultant from banking failure. So at some stage all the purchase money (more than £85k) will be sitting in the one account awaiting exchange of contracts and final handover. At this point the lawyer's bank of choice (RBS - 80% taxpayer owned, just to make things marginally more complicated) goes toes up (see Murphy's Law, Chapter One). Any advice w
  10. I think your concerns are valid. There are interesting semantic differences between the previous and present governments' stance: In 2008 Chief Secretary to the Treasury Yvette Cooper said, in a statement responding to persistent questioning by Martin Lewis: "In the unlikely event a major bank became insolvent the Government would ensure that the FSCS has access to enough immediate funding to pay out depositors in a timely manner, through borrowing from the Government or Bank of England. The FSCS could then levy up to £4 billion per year from the financial services industry to cover the cos
  11. Hardly a revelation. First you are shackled to a lifetime of debt, then you have to sell your house to pay for care. In each case the money flows from the poor (you and me, buddy, in case you thought different) to the rich. That's why they are rich.
  12. Thanks to both you and Silver Surfer for the detailed responses and good advice. I agree, it's a case of keeping one's nerve and not getting carried away. The reassurance is very welcome.
  13. Thanks, that's very sound advice. I also found this on the government website direct.gov.uk:
  14. Recently offered 90% of the asking price (more than my usual 'derisory' opening gambit). I am honoured with a call from the boss, who gives me some advice about what I should be offering. Apparently the vendor will not accept less than 95%, so would I like to think again? During the Christmas break it occurs to me that the estate agent has not actually passed on my offer, but is 'managing' proceedings in his client's interests (ie, wants a fat fee). Can anyone please tell me whether the EA is legally obliged to convey all offers regardless of his opinion, and also whether the EA is obliged
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