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About tstaddon

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  1. I've had the pleasure of living in both Slough and Boro'. Slough is by far the more boring of the two. It's the only place I know of where pubs and nightclubs were virtually empty even when England footy matches were on. In contrast, Middlesbrough buzzes almost every night. As for walking alone in Boro, what's the problem? I used to walk from Linthorpe to Club Bongo twice a week... I was a student, and a Southerner to boot, and never once ran into trouble.
  2. Zorn, Really? I am surprised; I thought the mean was more like £22,000... and the mean figure is never the full story. In Kent, for example, wage statistics often omit to mention that the majority of the newcomers to the town are London city workers earning London wages, which exceeds any equivalent local salary. I think a more reasonable calculation of affordability is, what was doable with a given set of circumstances 10 years ago, compared to today. Buying a 3 bedroom family home in Ashford, Kent in the mid-90s was definitely doable with a £15,000 a year total household income and a
  3. Oops - I think I scared everyone off. Must say I'm disappointed though. There's not a lot of proactive discussion on these boards about ways to get on the housing ladder. Are y'all just sitting here waiting for the crash? Honestly: I know the market's well overdue for a collapse, but I for one am sick and tired of VIs and BTL investors getting their grubby mitts on BMV property at the expense of people who are desperate to get a property TO LIVE IN, yet all we ever seem to do is whinge about it. Can't we be a bit more proactive, and start discussing ways to get on the housing ladder with
  4. The dead guy? The family he apparently didn't have? The Crown? For the third time: I KNOW THAT! I'm TRYING to find out who owns it! I'm not assuming for a minute that NOBODY owns it, but I do know that if the legal owner cannot be traced, then the process I intend to follow is perfectly lawful. If you dispute that, I suggest you read The Land Registry Act 2002. Perhaps you should also read the Hansard debates on the legislation, which explains rather well the rationale behind the law - one section goes as follows: http://www.publications.parliament.uk/pa/ld200102/ldhansrd/vo011030/
  5. Er... no I am not. What I said in the case of the house I'm looking at is that it has been unoccupied for 30 years, is derelict, AND I've done a vast amount of work on trying to trace who used to live there. The old fella who lived there has been dead since the mid-70s, and in all that time, so far as I can tell, nobody's come forward to claim it. My first question was, what ELSE can I reasonably check before 'staking my claim' in order to make sure nobody else owns the property. If nothing else, that should tell you I am planning on making an open and honest declaration to the Land Regist
  6. Sorry, I should've been more precise. If there isn't a Title number then there's a fair chance it's worth a closer look. If there is a title number, chances are it's not worth looking into. My rule of thumb was this: the house would need to be unoccupied (which is easy enough to check) and listed as unregistered on the Land Registry site, for it to be worth a closer look. In contrast, a local village road round here has 4 out of 6 properties listed on the Land Registry as having no Title number - however I know for a fact that all four of those properties are owner-occupied, three of which
  7. I won't tell you the exact location because obviously if that were the only unregistered property there, I'd be shooting myself in the foot. The Land Registry website allows you to quick-search a given street name, town (and postcode if known) - and show you the registrations along it. You can fill in these criteria at http://www.landregisteronline.gov.uk/lro/s...leSearchServlet The results show on the next page (although you have to scroll down to see the results). Any property that isn't registered, doesn't have the line Title number (Ref) Tenure (Tenure) Last Updated (Date) displaye
  8. I've found an empty property (semi-derelict) which it appears, isn't registered with the Land Registry. Nobody's lived in it for over 30 years, and the previous owner died there. If I understand the law as it stands, I can send off two forms, move in, and if, after 12 years of occupation, nobody's challenged the ownership, it's legally mine. Since I have three kids, a four bedroom house would be nice... we don't have a £60kpa income so if this is feasible it's got to be worth a shot. However, getting useful information about this process from an official source is like trying to get blood f
  9. It's a bit more complicated than that. If you're desperate for a ticket to a specific premiership fixture and you've got the cash, you might pay a tout £200 for a ticket on the day. However, for every one person who would pay that amount of money, there are a thousand who wouldn't pay that money even if they could afford to do it. So, it's no surprise that even though hundreds of people can afford to pay £200 a ticket for a football match, and many people DO pay that money, not one single premiership club thinks that £200 is a reasonable or honest price for a basic ticket. Where the ho
  10. Prices for "second hand" property in York are just about starting to come down. New builds aren't though. I sometimes wonder if the developers live on the same planet as us York residents. £225k for a 3 bed semi, brand new (on an estate which is supposed to have "affordable" housing for locals). They aren't big. In the same road, a 1970s built 3 bed semi (1 double room, 2 singles) will go for £140k. Across the main road, a postwar 3 DOUBLE-bedroomed semi with a 60' back garden is on the market for £170k. New 4 bedroom houses definitely can't be had for less than £300,000. Five bedroom h
  11. Not all of them are new entrants to the market. Most, I imagine, would be trading up. But the idea that there's a shortage of housing, is laughable. There's a shortage alright - of SENSIBLE FAMILY HOUSING. The way I see it, every builder, brickie and fixer-upper is either renovating/converting places into 1-2 bedroom flats, OR building three bedroom properties from scratch. Not 3 DECENT bedrooms, mind - one bedroom and two boxrooms is probably a better description. Which is great until your kids need a full length bed. Harron have just knocked out an estate full of 3 bedroom houses just to
  12. Got to say though, that when it comes to selling, Raj is impressive. Scary, but impressive. If the HPC is dependent on EAs losing their ability to blag it, thank god Raj won't be one of them if he wins. He could flog sand to the Saudis.
  13. £5k H/P on car, £4k on credit cards, £15k personal loans...
  14. Hi, I just heard this afternoon, from an insider at a major blue chip IT company, that one part of their support business is relocating from the Thames Valley to Bangalore as of this weekend. I won't say which part, or how big it is, because frankly I don't know When I was working in West London (1998-2002) I typically got 8-12% pay rises year on year, without promotions. Very nice when you're earning more than £25k a year. Since moving to Yorkshire I don't think I've seen anyone I know offered more than 6%, even with a promotion. Even if this translates to £1000pa (which in most jobs r
  15. It isn't easy, is it? How old's your child? Mine are 7, 3 years 10 months, and 1. We're renting a 3 bedroom house for £450. Market rate for same property is £600. It's handy being mates with the landlord's son... But it begs the question if we had to pay the market rate we'd be well and truly stuffed. Swings and roundabouts. When I did work nearer home I was earning £13,500. I work in IT security, so it's worth a thought...
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