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House Price Crash Forum


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  1. yep as soon as I mentioned not in full time employment both LA's inthe area put the phone down on me, they have got dozens of properties empty for months but still dont want any benefit claimants. Its a lowish employment area as well as its seasonal work mainly.
  2. how do I know what cannabis smells like as I have never used it. also I reported my neighbour as a suspected cannabis grower, the police werent interested, they were so laid back it was unbelievable.
  3. Ok I am needing to move mainly for health reasons and as I claim houising benefit have very limited choice in the market. I found by chance a private landlady not using a letting agent in the area i want to move to and negotiated with her and she is willing to take me on, however I negotiated too far so then renegotiated saying I didnt have so much ready cash and now the deal is this. The reason i did that is I feel the risk of them doing a runner is too high now as they seem desperate for cash. I pay 3 months rent in advance. Bond to be sorted out during the initial 6 months. initial 6 month agreement but will be renewed for longer after. she pays half of cost of fitting a BT line. (installation) In addition the place has no central heating, no gas at all, so all electric. single glazed, no carpet in living room, no curtians, storage heaters, card meter for electric. Obviously the heating cost will be very high for water and heating, so I negotiated 25 a month of the asking price, which I suspect will be added on first renewal, they agreed to put up curtians, supply a couple of rugs for living room and a heater for the living room as that has no heater at all. I plan to buy a oil radiator tho as probably cheaper than normal electric heaters. Suddenly I have a concern of paying 3 months up front and something then going wrong ie. they scam me and I dont get the flat, worried they not paid mortgage or something. So would like to check if possible. Also management fees were mentioned to my dad when he did a 2nd visit, he got the impression I wa sbeen asked to pay them on top of rent so told me. When I asked the landlady she said dont worry she will handle them but I am sitting here thinking what management fees would a landlady be paying who doesnt use a LA? my dad said she said £80 a month. Also any reccomended companies that will move furniture from east midlands to norfolk?
  4. interesting, is first I heard of this. So the tories made no ammendmants etc. they simply made people aware of it?
  5. if only we could all print money. Now if wages inflated then no problem I believe debt deflation could work, the problem is official inflation figures will be spoofed and wage inflation will remain low.
  6. The nhs is bloated for sure, my opinion of it is low at the moment. As some already know, I am on incapacity benefit, I am 31 years old and have had my health problem since I was 25 and a half. When my problem was new to me I must have made easily 30 or 40 GP visits within a year, out of those visits I had maybe 5 or 6 hospital refferals which led to some MRI scans on my head and back and was told no obvious problem found. At that point the GP's gave up and all my latest visits I get the impression they think I am either lying or they don't consider it serious. Now when nhs direct first was introduced I used it a few times as had severe pains in legs and feet and a ambulance took me to the hospital for painkillers and diagnosis, it also took me home. However late last year I had very severe diarhoee following a bad reaction to anti biotics, I was extremely dehydrated rejecting water , severe pain in bowel and stomach and couldnt sleep. numerous 999 calls even after I told was advised to use by 999 by out of hours GP I ended up been threatened with the police for using up 999 resources, I told the police to come but their threat was clearly a bluff. NHS direct this time refused an ambulance stating not enough resources (cost cuts?) so clearly the NHS is now worse than it was a few years back and also my GP refused a home visit.
  7. such a policy splits britian into two and a civil war would start. I guess thats why the police are needed to defend the new upper class this would serve?
  8. watched the clip, I only seen him talk about raising muslim representation in the parliament, nothing said about housing.
  9. Well the flaws of LHA are raising itself. LHA for a start has to a big of a catchment area, so as someone else has said it can lead to high rents for grotty properties because it also covers better areas. But at the same time it should also mean it underpays for the better areas. For example me a current housing benefit claimant if I moved on to LHA I would get less benefit as the LHA rate in my area is not enough to pay my rent (395 a month). This shows how some areas have got out of control, my area the LHA rate is just £80 a week for a 1bed property (55 a week for a bedsit/room) and £95 a week for a 2 bed property. Yet some areas are getting huge amounts. As for landlords fighting over benefit claimants, it may be the case in london but it isnt in the east midands and east anglia, I wanted to move nearer to my parents and out of my city but all vacant property EA's wouldnt deal with me as I don't work. In my local paper my landlord is the only one out of the entire section who doesn't specifically put no DSS. Finally, yes the tories are the prime cause of this mess, very short termist policy of buying votes by allowing people to buy houses on the cheap for their own personal profit (like they want to do now with bank shares, promoting personal greed again back to old ways) which has led to these social problems we have today in a lack of cheap social housing. Labour could have halted the right to buy tho but didn't so they are not blameless either.
  10. that graph is someone's dream? seems very detached from reality. or perhaps bankers bonuses have pushed the averages up.
  11. 18% average? some people must have very low interest rates, mine is 34%.
  12. then how can he afford it whilst property empty?
  13. I dont sign any tenancy agreements now until landlord has signed first.
  14. Here is my story. First severn trent are sending 2 bills to this address, one for me, and one for some guy I have no idea who it is. I told them politely 3 times to remove his record at this address and they said they would do it but clearly havent, so I am now witholding my own bill until its done. Strangely I get no reminders but they keep coming for this other guy. Second lloyds tsb sent a letter to someone else, I opened it and some guy has brought and paid for house insurance at this address, some months later after various monthly statements a letter says they have cancelled the policy due to non payment. Third, there is various letters for various names for applied for credit, loans and credit cards. Finally there is some for debt from debt collectors.
  15. LL's make me laugh at times. It seems 90% of property owners feel young proffessionals are the ideal tenants and then start rejecting what is otherwise. What they dont realise is they cutting themselves off from chunks of the market.
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