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Si1

Millennial clearly spends too much time on her PlayStation

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Even the deluded grauniad readers seem to somewhat get it, if you read the comments. 

They seem to identify BTL and boomers as a cause, but woe betide them mention anything happening during the Labour years. 

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I recognise that lifestyle, when you're fed up of it it's time to leave London. The only people welcome to stay in London and put down roots are the rich and people poor enough to qualify for council housing.

Edited by Dorkins

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3 hours ago, stuckmojo said:

Even the deluded grauniad readers seem to somewhat get it, if you read the comments. 

They seem to identify BTL and boomers as a cause, but woe betide them mention anything happening during the Labour years. 

I'm "cpscipio" on the Graun.  The HPC Massive has it's tentacles there too, in other words.  ;)

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I've not moved THAT much.  I think my average length of stay is about 3-5 years.  When I do move though it's about 50/50 whether it's because I wanted it, or because I had no choice in the matter.

 

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51 minutes ago, EUBanana said:

I'm "cpscipio" on the Graun.  The HPC Massive has it's tentacles there too, in other words.  ;)

Excellent work. 

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She doesn't mention the fact that constant moving also affects the credit score, so stepping on that mythical first step of the property ladder becomes even harder.

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3 hours ago, Bear Hug said:

She doesn't mention the fact that constant moving also affects the credit score, so stepping on that mythical first step of the property ladder becomes even harder.

When I worked in Risk, being a homeowner/occupier could add 100+ to your score depending on product.

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20 minutes ago, PopGun said:

When I worked in Risk, being a homeowner/occupier could add 100+ to your score depending on product.

Higher credit score?

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40 minutes ago, PopGun said:

When I worked in Risk, being a homeowner/occupier could add 100+ to your score depending on product.

Most homeowners will have a load of equity the lender can go after if the borrower defaults on the loan.

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1 hour ago, PopGun said:

When I worked in Risk, being a homeowner/occupier could add 100+ to your score depending on product.

Ignoring the ownership thing, there are bank accounts and credit cards which have 1 field for current address and 2 fields for past addresses.  More than that and you can't even complete the application form, before you even get to the credit check.

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25 minutes ago, Bear Hug said:

Ignoring the ownership thing, there are bank accounts and credit cards which have 1 field for current address and 2 fields for past addresses.  More than that and you can't even complete the application form, before you even get to the credit check.

You attach an extra piece of paper with the additional details

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32 minutes ago, Si1 said:

You attach an extra piece of paper with the additional details

Thanks but I was talking about the online applications.  I haven't done a paper application for anything bank-related for a long time now.

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43 minutes ago, Si1 said:

You attach an extra piece of paper with the additional details

I've been refused bank accounts because I hadn't lived in my current address for 2 years. 

Filling out the form, isn't the issue. 

NB: I was depositing money, not borrowing. No overdraft. 

Edited by BuyToLeech

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31 minutes ago, BuyToLeech said:

I've been refused bank accounts because I hadn't lived in my current address for 2 years. 

Filling out the form, isn't the issue. 

NB: I was depositing money, not borrowing. No overdraft. 

How odd. I'm sure I've opened bank accounts having lived in less, as long as I could account for the previous years with another address.

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3 hours ago, Si1 said:

Higher credit score?

Yep as homeowners are considered low risk compared to renters. The same bat$hit justification that hammers the youth with car insurance.

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22 minutes ago, PopGun said:

Yep as homeowners are considered low risk compared to renters. The same bat$hit justification that hammers the youth with car insurance.

Well, taking a guess as to the mechanism behind the numbers, I bet (nearly all) reprobates are renters, even though not all renters are reprobates. All other things being equal this should just suppress rents too.

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