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Shake and Bake

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HOLA441

I am a HPC newbie and feel I have finally found a Forum where people like myself can truly understand the mentalist Society we are living in today in the UK

I have been living in India for the last 18 months and have returned to the UK as life in Mumbai is chaotic, hectic, dirty, polluted, corrupt and just a complete head f**k however within 1 month of being back in the UK I realised why i left in the first place and that Bombay is not as bad as it seems!!!

Let me begin my rant...

1. Mortgage - As I returned to the UK i decided to buy a property to live in. I have enough cash for a deposit however as I have been living in the India for the last 18 months I was not given a mortgage by Lloyds who have deemed me unsuitable for a mortgage beside having a 25 year relationship with them and putting 100's of thousands of pounds through their bank as i used to run a successful recruitment business in the UK before the economy dived in 2008. I HAD all my savings and money with Lloyds however even with money in the bank and a steady job I was not given a mortgage because I had lived out of the UK. Lloyds are blaming me but should they not be looking at their own mistake of buying HBOS and over extending themselves and getting their sums wrong. The same bank i have rescued from going under as a tax payer is the same bank that wont give me a mortgage and a house to live in .... there's gratitude for you!!!

2. Petrol - the cost of petrol is at the high of £1.20 a litre again yet the price of oil per barrel is less than $80!!! WTF!!! Where does this nonsense end. There is a petrol station at the bottom of my road that is being rebuilt since November (when i last came back to the UK). They have left there price sign still standing and it says 99.9p a litre. Have they left that sign up there to pi55 me off? How has the cost of petrol risen by 20p a litre in less then 4 months and please dont tell me about the cost of production or the £$ rate as petrol was not that much cheaper when £ = $2.10

3. Inflation since when has inflation being at 3% instead of 3.1% be good news when the target is 2%????? I got mugged by 5 guys not 6 guys, lucky me!!!!! WTF!! I thought I would make my own sandwhich rather then buy from a shop to save money last week. By the time i bought all the ingedients it cost me £14 to make a sandwich!! Not my best money saving initiative!! And they say the cost of things is coming down! Where? What tings? I must be the unluckiest guy in the whole of the UK as every single thing I consume like petrol, food, clothes, alcohol, rent, mortgages is going up in price!!

4. Interest rates - I cant buy a house cos I cant get a mortgage, (well I can now through another avenue but they want a 20% deposit). So my choice is to sit on the money earning way below the 3% inflation level so I am losing money every month as interest rates are so low or buy an over valued house that will be worth less in 1 years time.

MY HARD EARNED CASH IS GOING DOWN THE PAN ONE WAY OR ANOTHER. IT WILL EITHER GO DOWN OR PLUMMET!!!

Thing is we moan and groan about these things in the UK and go on Forums like this a have a good old b1tch but that is it. We need to really stand up for ourselves we need to show the Government and policy makers that this is not acceptable anymore. They cant go on taxing us and taking that money to pay £500,000 to illegal immigrants with 10 kids living in a mansion or bailing out banks that then go on to make even more money from us and dont help us.

Let me tell you another story .... I bought a £210 Ford Escort from the car Auctions when i got back from India as a run around. After getting spanked £120 auction fee's and then spanked another £110 Road Tax the car ended up costing double. Anyway to cut a short story shorter i sold the car today to a guy who works for the NHS. Now he has just come back from a 3 week paid holiday. (which is cool) So i asked how come he wasn't working today as he's just had 3 weeks off. He told me that the NHS gives their workers a FULLY PAID 5 week 'readjustment' holiday after they get back from holiday where they work half shifts to get over their holiday and jet lag!!!!!!!! WTF!!!!!!!! I could not make this up!! A holiday after a holiday.

In India if the government do something the people dont agree with all hell breaks loose. There are mass protests and cities like Mumbai are bought to a halt but the politicians listen and make changes. We could learn a thing or two from those guys.

They say slavery is over. To me it just seems like its moved to a different table!

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HOLA442

I thought I would make my own sandwhich rather then buy from a shop to save money last week. By the time i bought all the ingedients it cost me £14 to make a sandwich!!

£14 to make a sandwich??? Were you making one for the local football team as well or using lobster as a filling? :o

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HOLA443

£14 to make a sandwich??? Were you making one for the local football team as well or using lobster as a filling? :o

Loaf of bread £1.20, Marg £1.30, slab of cheese £2, couple of packets of ham £4, jar of mayo £1, jar of mustard £1.20, bag of salad £2 and £2.60 per hour car parking for my £210 Escort.

Out of all that I wrote all you could pick up on was £14 for a sandwich!! Loving your attention to detail my friend

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HOLA444

Good post.

As for the sandwiches - In reality the £14 spent on ingredients will go towards making a number of sandwiches for the following week or so. Pletty good value, imho.

Your Escort sounds like a bargain. I should be acquiring a £250 Escort (diesel) next week, which will need £110 for 6 months tax. :D

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HOLA445
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HOLA446

I am a HPC newbie and feel I have finally found a Forum where people like myself can truly understand the mentalist Society we are living in today in the UK

I have been living in India for the last 18 months and have returned to the UK as life in Mumbai is chaotic, hectic, dirty, polluted, corrupt and just a complete head f**k however within 1 month of being back in the UK I realised why i left in the first place and that Bombay is not as bad as it seems!!!

Let me begin my rant...

1. Mortgage - As I returned to the UK i decided to buy a property to live in. I have enough cash for a deposit however as I have been living in the India for the last 18 months I was not given a mortgage by Lloyds who have deemed me unsuitable for a mortgage beside having a 25 year relationship with them and putting 100's of thousands of pounds through their bank as i used to run a successful recruitment business in the UK before the economy dived in 2008. I HAD all my savings and money with Lloyds however even with money in the bank and a steady job I was not given a mortgage because I had lived out of the UK. Lloyds are blaming me but should they not be looking at their own mistake of buying HBOS and over extending themselves and getting their sums wrong. The same bank i have rescued from going under as a tax payer is the same bank that wont give me a mortgage and a house to live in .... there's gratitude for you!!!

2. Petrol - the cost of petrol is at the high of £1.20 a litre again yet the price of oil per barrel is less than $80!!! WTF!!! Where does this nonsense end. There is a petrol station at the bottom of my road that is being rebuilt since November (when i last came back to the UK). They have left there price sign still standing and it says 99.9p a litre. Have they left that sign up there to pi55 me off? How has the cost of petrol risen by 20p a litre in less then 4 months and please dont tell me about the cost of production or the £$ rate as petrol was not that much cheaper when £ = $2.10

3. Inflation since when has inflation being at 3% instead of 3.1% be good news when the target is 2%????? I got mugged by 5 guys not 6 guys, lucky me!!!!! WTF!! I thought I would make my own sandwhich rather then buy from a shop to save money last week. By the time i bought all the ingedients it cost me £14 to make a sandwich!! Not my best money saving initiative!! And they say the cost of things is coming down! Where? What tings? I must be the unluckiest guy in the whole of the UK as every single thing I consume like petrol, food, clothes, alcohol, rent, mortgages is going up in price!!

4. Interest rates - I cant buy a house cos I cant get a mortgage, (well I can now through another avenue but they want a 20% deposit). So my choice is to sit on the money earning way below the 3% inflation level so I am losing money every month as interest rates are so low or buy an over valued house that will be worth less in 1 years time.

MY HARD EARNED CASH IS GOING DOWN THE PAN ONE WAY OR ANOTHER. IT WILL EITHER GO DOWN OR PLUMMET!!!

Thing is we moan and groan about these things in the UK and go on Forums like this a have a good old b1tch but that is it. We need to really stand up for ourselves we need to show the Government and policy makers that this is not acceptable anymore. They cant go on taxing us and taking that money to pay £500,000 to illegal immigrants with 10 kids living in a mansion or bailing out banks that then go on to make even more money from us and dont help us.

Let me tell you another story .... I bought a £210 Ford Escort from the car Auctions when i got back from India as a run around. After getting spanked £120 auction fee's and then spanked another £110 Road Tax the car ended up costing double. Anyway to cut a short story shorter i sold the car today to a guy who works for the NHS. Now he has just come back from a 3 week paid holiday. (which is cool) So i asked how come he wasn't working today as he's just had 3 weeks off. He told me that the NHS gives their workers a FULLY PAID 5 week 'readjustment' holiday after they get back from holiday where they work half shifts to get over their holiday and jet lag!!!!!!!! WTF!!!!!!!! I could not make this up!! A holiday after a holiday.

In India if the government do something the people dont agree with all hell breaks loose. There are mass protests and cities like Mumbai are bought to a halt but the politicians listen and make changes. We could learn a thing or two from those guys.

They say slavery is over. To me it just seems like its moved to a different table!

I'm on your side!!

We could learn a thing or two from the French too. We need to learn to stand up for ourselves. We are too polite BUT enough is enough!!!

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HOLA447
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HOLA448
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HOLA449

Its better to strap yourself right up and just do whatever you want in this country. Why work like a dog to pay big taxes to get nothing back. Better to take out as many credit cards, loans, overdrafts, lock stock the lot and then do a IVA and write it all off. I reckon i could get £100k of credit from various places, that would last me at least 2-3 years then i just do a IVA and start again by signing on and get a council house after marrying a polish chick with 3 kids from 5 different fathers.

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HOLA4410

I have been living in India for the last 18 months and have returned to the UK as life in Mumbai is chaotic, hectic, dirty, polluted, corrupt and just a complete head f**k however within 1 month of being back in the UK I realised why i left in the first place and that Bombay is not as bad as it seems!!!

So ****** off back there or stop whinging.

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HOLA4411

I am a HPC newbie and feel I have finally found a Forum where people like myself can truly understand the mentalist Society we are living in today in the UK

I have been living in India for the last 18 months and have returned to the UK as life in Mumbai is chaotic, hectic, dirty, polluted, corrupt and just a complete head f**k however within 1 month of being back in the UK I realised why i left in the first place and that Bombay is not as bad as it seems!!!

Let me begin my rant...

1. Mortgage - As I returned to the UK i decided to buy a property to live in. I have enough cash for a deposit however as I have been living in the India for the last 18 months I was not given a mortgage by Lloyds who have deemed me unsuitable for a mortgage beside having a 25 year relationship with them and putting 100's of thousands of pounds through their bank as i used to run a successful recruitment business in the UK before the economy dived in 2008. I HAD all my savings and money with Lloyds however even with money in the bank and a steady job I was not given a mortgage because I had lived out of the UK. Lloyds are blaming me but should they not be looking at their own mistake of buying HBOS and over extending themselves and getting their sums wrong. The same bank i have rescued from going under as a tax payer is the same bank that wont give me a mortgage and a house to live in .... there's gratitude for you!!!

2. Petrol - the cost of petrol is at the high of £1.20 a litre again yet the price of oil per barrel is less than $80!!! WTF!!! Where does this nonsense end. There is a petrol station at the bottom of my road that is being rebuilt since November (when i last came back to the UK). They have left there price sign still standing and it says 99.9p a litre. Have they left that sign up there to pi55 me off? How has the cost of petrol risen by 20p a litre in less then 4 months and please dont tell me about the cost of production or the £$ rate as petrol was not that much cheaper when £ = $2.10

3. Inflation since when has inflation being at 3% instead of 3.1% be good news when the target is 2%????? I got mugged by 5 guys not 6 guys, lucky me!!!!! WTF!! I thought I would make my own sandwhich rather then buy from a shop to save money last week. By the time i bought all the ingedients it cost me £14 to make a sandwich!! Not my best money saving initiative!! And they say the cost of things is coming down! Where? What tings? I must be the unluckiest guy in the whole of the UK as every single thing I consume like petrol, food, clothes, alcohol, rent, mortgages is going up in price!!

4. Interest rates - I cant buy a house cos I cant get a mortgage, (well I can now through another avenue but they want a 20% deposit). So my choice is to sit on the money earning way below the 3% inflation level so I am losing money every month as interest rates are so low or buy an over valued house that will be worth less in 1 years time.

MY HARD EARNED CASH IS GOING DOWN THE PAN ONE WAY OR ANOTHER. IT WILL EITHER GO DOWN OR PLUMMET!!!

Thing is we moan and groan about these things in the UK and go on Forums like this a have a good old b1tch but that is it. We need to really stand up for ourselves we need to show the Government and policy makers that this is not acceptable anymore. They cant go on taxing us and taking that money to pay £500,000 to illegal immigrants with 10 kids living in a mansion or bailing out banks that then go on to make even more money from us and dont help us.

Let me tell you another story .... I bought a £210 Ford Escort from the car Auctions when i got back from India as a run around. After getting spanked £120 auction fee's and then spanked another £110 Road Tax the car ended up costing double. Anyway to cut a short story shorter i sold the car today to a guy who works for the NHS. Now he has just come back from a 3 week paid holiday. (which is cool) So i asked how come he wasn't working today as he's just had 3 weeks off. He told me that the NHS gives their workers a FULLY PAID 5 week 'readjustment' holiday after they get back from holiday where they work half shifts to get over their holiday and jet lag!!!!!!!! WTF!!!!!!!! I could not make this up!! A holiday after a holiday.

In India if the government do something the people dont agree with all hell breaks loose. There are mass protests and cities like Mumbai are bought to a halt but the politicians listen and make changes. We could learn a thing or two from those guys.

They say slavery is over. To me it just seems like its moved to a different table!

All deliberately engineered by the "Powers That Be", IMHO. The population is being robbed, simple as that.

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HOLA4412

I'm on your side!!

We could learn a thing or two from the French too. We need to learn to stand up for ourselves. We are too polite BUT enough is enough!!!

Yes, they make excellent sandwiches.

The price of stuff in the UK doesn't really bother me. It's the jokers in the public sector who have sneaked ahead that do bother me.

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HOLA4413

I'm on your side!!

We could learn a thing or two from the French too. We need to learn to stand up for ourselves. We are too polite BUT enough is enough!!!

You are not overly polite you are a lazy weasel. You and thousands of others. You have been used and used by the ruling elite and you have let it happen. You have mostly let it happen because you were not prepared to fight for the group, only for yourself. Those who fight as a group always beat those who fight individually. The ruling elite is a very tight group and so they win. Even in this post you are advocating that "we" need to stand up for ourselves. I know enough about English culture to know that "we" is Royal and really means "you". Tell us about what "you" have done before inciting "us" to action!

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HOLA4414

I agree that the price of almost every essential has gone insane in the last 5 years, they want you to borrow and spend like mad to maintain your standard of living but a much more sensible way to respond is to refuse to play the game. Try reducing your consumption to a level more like somebody from the 1950s. Plan meals, make a shopping list and buy seasonal fruit&veg and learn to cook your own meals from scratch using cheap staples, don't buy things you don't need, turn down the heating a little and wear a jumper, get a cheap car and drive only when you need to and walk or cycle if you can, drink beer when you go to the pub, spend holidays visiting friends and family or having them come to yours instead of expensive city breaks or Caribbean resorts. Look for joy in the little things like some nice fruit or a fresh fish from the market, or photos from a good weekend with friends. Read good books and interesting things on the internet to keep your mind occupied instead of pouring sh1t from the idiot box or newspapers down your gullet like a fois gras goose. Pay off your debts as fast as possible or build up your savings, cancel the mobile contract and get a cheap PAYG mobile, close down as many standing orders and direct debits as you can and live in as cheap a rental house as you can stand. Getting your running costs and debts down now will help you a lot as this depression goes on, and once you get over the initial shock you'll find that when you live simply and can do things for yourself you sleep very well o'nights.

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HOLA4415

2. Petrol - the cost of petrol is at the high of £1.20 a litre again yet the price of oil per barrel is less than $80!!! WTF!!! Where does this nonsense end. There is a petrol station at the bottom of my road that is being rebuilt since November (when i last came back to the UK). They have left there price sign still standing and it says 99.9p a litre. Have they left that sign up there to pi55 me off? How has the cost of petrol risen by 20p a litre in less then 4 months and please dont tell me about the cost of production or the £$ rate as petrol was not that much cheaper when £ = $2.10

Not enough fuss is made about this.

http://www.petrolprices.com/fuel-tax.html

Now that additional 3p a litre he just bunged on - its not 3p from 120p, its 3p on about 40p. Close to 10% once you add Vat on the duty as well.

So given that the link above claims 56p/l duty and we apply 17.5% VAT to the duty and fuel, we can assert with some confidence that the fuel component is around 45p/l(45p + 56p = 101p + 17.5% = around 119p/l at my local.

Over the course of the next year he is adding another 3p + vat (so almost 4p/l)

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HOLA4416

I agree that the price of almost every essential has gone insane in the last 5 years, they want you to borrow and spend like mad to maintain your standard of living but a much more sensible way to respond is to refuse to play the game. Try reducing your consumption to a level more like somebody from the 1950s. Plan meals, make a shopping list and buy seasonal fruit&veg and learn to cook your own meals from scratch using cheap staples, don't buy things you don't need, turn down the heating a little and wear a jumper, get a cheap car and drive only when you need to and walk or cycle if you can, drink beer when you go to the pub, spend holidays visiting friends and family or having them come to yours instead of expensive city breaks or Caribbean resorts. Look for joy in the little things like some nice fruit or a fresh fish from the market, or photos from a good weekend with friends. Read good books and interesting things on the internet to keep your mind occupied instead of pouring sh1t from the idiot box or newspapers down your gullet like a fois gras goose. Pay off your debts as fast as possible or build up your savings, cancel the mobile contract and get a cheap PAYG mobile, close down as many standing orders and direct debits as you can and live in as cheap a rental house as you can stand. Getting your running costs and debts down now will help you a lot as this depression goes on, and once you get over the initial shock you'll find that when you live simply and can do things for yourself you sleep very well o'nights.

Uncommom common sense that!

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HOLA4417
17
HOLA4418

So ****** off back there or stop whinging.

You sweetheart have clearly missed the whole point of my rant. Shouldn't you be reading The Sun.com or something more suited to your intellect. Remember, you should show me some respect as i could have been your father but the que outside your mums house was toooo long!

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HOLA4419

Sandwich £14/yeah right.

A runaround £210....sounds like you`re pistonbroke to me....

If you read carefully, I sold my £210 Escort as I had to make way for the new Mercedes Benz CLK 55 AMG i was waiting for. You lot on here are just a miserable bunch of *****ers!!! If someone says they are doing well you gun for them and if someone is trying to be humble you go for them as well.

What a miserable bunch of old duffers!!!

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HOLA4420

If you read carefully, I sold my £210 Escort as I had to make way for the new Mercedes Benz CLK 55 AMG i was waiting for. You lot on here are just a miserable bunch of *****ers!!! If someone says they are doing well you gun for them and if someone is trying to be humble you go for them as well.

What a miserable bunch of old duffers!!!

:lol::lol::lol: dream on

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HOLA4421
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HOLA4422
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HOLA4423

The same bank i have rescued from going under as a tax payer is the same bank that wont give me a mortgage and a house to live in .... there's gratitude for you!!!

Why do you want to buy now? Frankly Lloyds are saving your ****.

Have they left that sign up there to pi55 me off?

Yep, they were going to take it down, but then realised they would piss Shake n'Bake off, so left it there.

By the time i bought all the ingedients it cost me £14 to make a sandwich!! Not my best money saving initiative!! And they say the cost of things is coming down! Where? What tings? I must be the unluckiest guy in the whole of the UK as every single thing I consume like petrol, food, clothes, alcohol, rent, mortgages is going up in price!!

Who says the cost of things is going down. Are CPI and RPI measures of increase? What ingredients did you buy that it costs £14 to make a sarnie? The mind boggles.

4. Interest rates - I cant buy a house cos I cant get a mortgage, (well I can now through another avenue but they want a 20% deposit). So my choice is to sit on the money earning way below the 3% inflation level so I am losing money every month as interest rates are so low or buy an over valued house that will be worth less in 1 years time.

Or being a savvy business man you could find a secondary income stream making more than 3% a year. Shouldn't be difficult, should it? If you are unwilling to put down a 20% deposit you will not be buying for a very long time.

Let me tell you another story .... I bought a £210 Ford Escort from the car Auctions when i got back from India as a run around. After getting spanked £120 auction fee's and then spanked another £110 Road Tax the car ended up costing double.

Um, haven't you bought anything in your life? Did it not occur to you there would be fees/taxes?

Anyway to cut a short story shorter i sold the car today to a guy who works for the NHS. Now he has just come back from a 3 week paid holiday. (which is cool) So i asked how come he wasn't working today as he's just had 3 weeks off. He told me that the NHS gives their workers a FULLY PAID 5 week 'readjustment' holiday after they get back from holiday where they work half shifts to get over their holiday and jet lag!!!!!!!! WTF!!!!!!!! I could not make this up!!

I think you just did. I have family working in the NHS and haven't heard that one.

They say slavery is over. To me it just seems like its moved to a different table!

I am amazed that you spent 18 months in India and it did not give you some perspective. Are the things above really worth ranting over, compared to the poverty and misery you must have seen there? I had to spend 400 smackers on a car, price of bread has gone up, bank won't let me buy an overpriced house....boo ******ing hoo. You sound very young. If you really were the owner of a successful business I am unsurprised it went tits up if that is the way you respond to some fairly minor/common problems.

Edited by Baby Eating Boomer
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HOLA4424

I am a HPC newbie and feel I have finally found a Forum where people like myself can truly understand the mentalist Society we are living in today in the UK

Anyway to cut a short story shorter i sold the car today to a guy who works for the NHS. Now he has just come back from a 3 week paid holiday. (which is cool) So i asked how come he wasn't working today as he's just had 3 weeks off. He told me that the NHS gives their workers a FULLY PAID 5 week 'readjustment' holiday after they get back from holiday where they work half shifts to get over their holiday and jet lag!!!!!!!! WTF!!!!!!!! I could not make this up!! A holiday after a holiday.

My wifes a nurse - in the NHS and has been for 20 years - you are talking utter b@llocks

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HOLA4425

You sweetheart have clearly missed the whole point of my rant. Shouldn't you be reading The Sun.com or something more suited to your intellect.....

Funnily enough I was just thinking that would be a better place for this entire thread.

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