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House Price Crash Forum


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About buyer2012

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    HPC Newbie
  1. Well, I phoned the council, and received a noise nuisance information pack and forms to fill in, but I haven't filled them in, as the process seems longwinded and designed to go nowhere. Would my phonecall to the council need to be mentioned in a seller's report?
  2. Yes, but I didn't realise that two years ago and I was at the mercy of estate agents who wanted me on their books - they got the HIP pack money out of me, whereas had I known that it wouldn't sell quickly, I would have waited until the HIP packs were phased out - so I feel I was conned by the EA. I have asked them, "why did you value my house at a level you knew wouldn't sell? Why don't you tell all homeowners on your books to reduce their prices or they'll be ejected from your books?" They told me they think people will gradually move the prices down themselves and they would prefer not to ma
  3. The Noise Patrol are parasites doing non-jobs. Inconsiderate neighbours used to be and should be now a police responsibility. It has been transferred to councils to enable them to create highpaying jobs often doing nothing about it. In the 1950s, the police would give the bad neighbours a clip round the ear. I want a return to that.
  4. The trouble is my house is on the market - I want to move away a.s.a.p., but it has been on the market for nearly 2 years.... I think unless you live in a detached, renting eg in a flat or in terraces does have the advantage that you can up sticks when you need to...
  5. I am living in a terraced house with neighbours who blast me with rock music or music of some kind - I don't believe the house is licenced for live music - it sounds like there is an actual disco going on in the house right now. The landlady is not interested - she advised me to contact the police, probably knowing in advance that responsibility for the matter is not in the hands of the police any more,as it has been passed councils. The councils won't send anyone round to hear the music - it is a case of keeping notes over months of the times and impact of the noise to see if the council feel
  6. Reading about strategic default in the US property market, where householders walk away from the house, sending the keys back, owing nothing, it may be that no-recourse mortgages are what have really produced the property double dip in the US, whereas here, if we walk away, the banks will still pursue us for the money owed - and so the best option is to stay put. Will this prevent a real HPC here? let me add, I think no-recourse mortgages should be available in the UK, and it should be illegal to extend any mortgage that is not no-recourse, because of the "moral hazard" whereby the bank lend
  7. What a complete scrounger! She gets £1,334 for free from the government every month, and her rent and council tax paid, and has run up £14K of credit card debts on top and wants to pretend she has no money to pay. Er... try paying £500 a month out of your £1,334. I would say to her expenses: Telephone mobile Internet - £40 a month - THESE ARE ALL LUXURIES. IF YOU'RE LIVING ON STATE HANDOUTS, YOU DON'T NEEDT THEM. TV licence - £12.90 a month - ALSO A LUXURY. I DON'T WATCH TV. IF YOU'RE LIVING ON HANDOUTS AND HAVE £14K IN DEBTS, YOU CAN DELETE THIS. Satellite - £6 a month - LOOK YOU CLEARL
  8. Precisely. I hope this chancer loses the house and the £17K - I'm fed up of people running up huge debts and walking away from them - this person is just a total scrounger. I call her situation a result!
  9. Er... the ground rent is equivalent to a mortgage in itself...
  10. Ṫhis CEBR forecast is more bullish than anything else I have read. Is the consensus that it is nonsense? Or the halt to construction work, and massive immigration, apparently still running in the hundredsof thousands -- maybe they will have an effect? I don't think it is good policy to support house prices, or allow these factors to do so, but I can't work out why this respected outfit's forecast is an outlier...
  11. Sometimes you feel like being rude to someone who strikes you as dim.But it is important to resist those impulses! Look, there is no such thing as a multi-ethnic area with a low crime rate. You've been reading the Guardian or watching the BBC too much. What do you mean? An area full of scroungers, where the scroungers don't commit crime? As you know, crime figures are top secret in the UK, or at least the breakdown by ethnicity. Do you remember when politically correct police tried to argue that crime was equal in all communities by pointing to the fact that 85% of crime in Sunderland was do
  12. everyone has his own preferences, but seeking an ethnically diverse area that is low in crime? how can I do justice to this in a short message? I think you'll find it's the boring old English areas that have the low crime rates.
  13. I bet the woman felt like a right prawn when she was found out!
  14. I've joined here to ask your thoughts about a house price. I found a thread once here that said you should aim to get back to 2005 or 2004 prices in this current housing market. It probably varies over the country, but this house is valued at £214,950. It was bought for £165,000 in October 2005: Now, it might look inexpensive for what it is, but it is in Gainsborough, possibly the cheapest town in England. There are no industries or jobs around, the town has 18,000 people, no McDonald's or KFC, only a few shops. The Gainsborough Central railways station has 2 trains a week, both on a Satur
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