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Midlifemum

1 in 200 in temp accom, 1000 a month homeless

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These figures are extraordinary for one of the wealthiest countries in the world (allegedly) and it’s all by design. A country that can’t house it’s population properly is massively failing. It’s a housing boom that’s creating a social collapse surely? 

https://www.independent.co.uk/news/uk/home-news/homeless-housing-shelter-figures-poverty-benefits-a8644516.html

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Prisoners may not have freedom but get a warm bed, food in their belly, telly to watch, exercise and can earn a bit of money and sometimes learn.....when got nothing outside can see why some choose to live inside.😉

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How much are LA's paying for "temporary" accommodation, Are LL's deliberately rebranding their typical doss-house bedsits  as "temporary housing" in order to extort money from local councils?

Statistics are quite misleading though, I'm not surprised the council house waiting list is so long given the cheaper rents/security of tenure offered.

 

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Hidden homeless means the total amount will be higher than official figures. I have been homeless 3 times, only the first time did I notify the council, they were so horrible I couldn't face it again. Maybe this is the plan, if they're cruel to people who make a homeless application then they scare them away and so keep the figures lower. Result!

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4 hours ago, thewig said:

What does 1,000 a month mean though? 1,000 at any one time is a lot different to the number of homeless people increasing by 1,000 every month.

Quote

UK is soaring by a rate of more than 1,000 a month, according to new analysis which says that one in 200 Britons are now without a permanent place to live.

The figures, which show that 320,000 people are currently known to be sleeping on the streets or stuck in temporary accommodation

 

My question how are rents so high? Is it the unsecured credit boom (credit cards) supporting rents? It's not wages or housing benifit!!

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9 hours ago, Wurzel Of Highbridge said:

 

My question how are rents so high? Is it the unsecured credit boom (credit cards) supporting rents? It's not wages or housing benifit!!

This. Absolutely. 

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Why are the "homeless" homeless?

Seriously. Even if you offered employment to them, how many of them would be able to take it? If you offered shelter to them, you would also have to impose certain rules around personal hygiene, being quiet and not disturbing the other residents, maintaining a basic level of orderliness, and so on. What proportion would take you up on your offer?

What percentage of the homeless also have psychological issues and drug dependencies? 

Edited by Odakyu-sen

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Just now, Odakyu-sen said:

Why are the "homeless" homeless?

Seriously. Even if you offered employment to them, how many of them would be able to take it? If you offered shelter to them, you would also have to impose certain rules around personal hygiene, being quiet and not disturbing the other residents, maintaining a basic level of orderliness, and so on. 

What percentage of the homeless also have psychological issues and drug dependencies? 

Very true (if you are talking about people sleeping on the street), I was helping with a soup kitchen in the 90s and a homeless man told me that he got £150 a week busking - all went on alcohol - very sad, saying that I do feel very sorry for everyone in that situation, I am not sure it is just money.

 

9 hours ago, EnglishinWales said:

Hidden homeless means the total amount will be higher than official figures. I have been homeless 3 times, only the first time did I notify the council, they were so horrible I couldn't face it again. Maybe this is the plan, if they're cruel to people who make a homeless application then they scare them away and so keep the figures lower. Result!

Very sorry to hear that.  Could you give more details?

 

I think there is a big difference between being in temporary accommodation and sleeping on the streets, both are bad but not the same.

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16 minutes ago, Odakyu-sen said:

Why are the "homeless" homeless?

Seriously. Even if you offered employment to them, how many of them would be able to take it? If you offered shelter to them, you would also have to impose certain rules around personal hygiene, being quiet and not disturbing the other residents, maintaining a basic level of orderliness, and so on. What proportion would take you up on your offer?

What percentage of the homeless also have psychological issues and drug dependencies? 

100% of them will be in cercumstances where they are unable to earn enough to cover living costs, that's for sure.

I'd hesitate that there would be a 50/50 split between mental health issues and parents of young children who would find it nigh impossible to hold down a steady job with enough hours to pay the required rent and associated living costs.

The conservative idealoligy is to throw these people under the bus, which they have to apease thier voters who can now point at them and see how better they off they are even though they're eyeballs in debt and living in some BTL hovel. It's all about contrast.

If the governemnt were serious about helping these people then they would be making them undertake compultory personal development and self-improvement skills. And for those few who really need it should be given sickness benifits and phsycological support.

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9 hours ago, EnglishinWales said:

Hidden homeless means the total amount will be higher than official figures. I have been homeless 3 times, only the first time did I notify the council, they were so horrible I couldn't face it again. Maybe this is the plan, if they're cruel to people who make a homeless application then they scare them away and so keep the figures lower. Result!

After my divorce I found myself unable to find housing for myself and my 11yo daughter. I spent weeks looking at shitty, moldy, damp "accommodation." However, as I had been an OO since the mid 90s, self employed and no history of renting, the letting agents didn't want to know, so I spoke to the local council. They told me to sign up to this system where you "bid" for social housing. However, you first have to be means tested and banded depending on severity of need. Unfortunately, a soon to be homeless single parent is way down the list of priority. The listings for available housing were few, miles away from my area and heavily subscribed by other bidders, unsurprisingly.  I contacted the council again to explain that there was no housing in my area and bidders with a local connection to the housing that was available would have priority over me anyway. The guy on the phone told me there was nothing they could do and I would have to "find housing through the private sector".

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2 hours ago, dom said:

After my divorce I found myself unable to find housing for myself and my 11yo daughter. I spent weeks looking at shitty, moldy, damp "accommodation." However, as I had been an OO since the mid 90s, self employed and no history of renting, the letting agents didn't want to know, so I spoke to the local council. They told me to sign up to this system where you "bid" for social housing. However, you first have to be means tested and banded depending on severity of need. Unfortunately, a soon to be homeless single parent is way down the list of priority. The listings for available housing were few, miles away from my area and heavily subscribed by other bidders, unsurprisingly.  I contacted the council again to explain that there was no housing in my area and bidders with a local connection to the housing that was available would have priority over me anyway. The guy on the phone told me there was nothing they could do and I would have to "find housing through the private sector".

It is so shit out there.

I own a flat so we are cramped in there for years now as my HPC mindset stops me from paying th crazy prices out there.

I have considered renting from time to time,  I can even get my company to pay relocation as I live over 45 mins from my office.  A lovely rental would be wonderful...in theory.

Despite money not being an issue i have never even got off the blocks with either my dog and even the kids being an issue (when considering family houses).

A lot of these houses would "require" modernisation in agents speak and always look like the owner wants to cover the mortgage so they do not have to give it away.  That puts in your mind your paying thousands to rent a family home and then potentially your out in a year or so....trying to find another needle in a haystack.

 

 

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6 minutes ago, Fromage Frais said:

It is so shit out there.

I own a flat so we are cramped in there for years now as my HPC mindset stops me from paying th crazy prices out there.

I have considered renting from time to time,  I can even get my company to pay relocation as I live over 45 mins from my office.  A lovely rental would be wonderful...in theory.

Despite money not being an issue i have never even got off the blocks with either my dog and even the kids being an issue (when considering family houses).

A lot of these houses would "require" modernisation in agents speak and always look like the owner wants to cover the mortgage so they do not have to give it away.  That puts in your mind your paying thousands to rent a family home and then potentially your out in a year or so....trying to find another needle in a haystack.

 

 

One place I was shown was full of flies and stank. The LL hadn't emptied the old tenants bin or fridge and the key meter had shut off the power. I was there with my daughter and the agent just shrugged.

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3 hours ago, Odakyu-sen said:

Why are the "homeless" homeless?

Seriously. Even if you offered employment to them, how many of them would be able to take it? If you offered shelter to them, you would also have to impose certain rules around personal hygiene, being quiet and not disturbing the other residents, maintaining a basic level of orderliness, and so on. What proportion would take you up on your offer?

What percentage of the homeless also have psychological issues and drug dependencies? 

As I've said a few time on homeless threads, a large proportion of them are ex-services. They either have great difficulty adjusting to civilian life, or have PTSD or both. Either way it's shocking treatment for people who have served in the forces.

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After a little searching, im sure it's unsecured debt driving up rental prices, I found the following data:

https://www.pwc.co.uk/press-room/press-releases/uk_s-unsecured-debt-mountain-reaches-p300bn-or-p11-000-per-house.html

Quote
  • Younger people (25-34) hold more than five times as much debt as older borrowers (55+) and are three times as worried about their ability to repay

  • Renters almost twice as likely to have needed to use credit to pay for essential items vs mortgage payers and are more worried about their ability to repay

 

Quote

Rising by 11%, or close to £80m per day- almost £55,000 per minute -the UK’s unsecured debt mountain has grown faster in the past year than any year since 2002. Reflecting the heightened appetite for credit, the UK’s unsecured debt pile has also grown at least three times faster than secured debt in each of the last five years.

It's going to be interesting. We have reached the turning point. GE has gone bust, the other companies that indulged in the same behavior will be going tits up shortly. With interest rates rising and stock markets falling there will be a withdrawal of unsecured credit.

Makes me think that BTL will be hugely impacted with many having to rent at much lower prices as tennant's won't be able to borrow to pay the rent.

Certainly looks like a turning point in the market.

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10 minutes ago, Wurzel Of Highbridge said:

After a little searching, im sure it's unsecured debt driving up rental prices, I found the following data:

https://www.pwc.co.uk/press-room/press-releases/uk_s-unsecured-debt-mountain-reaches-p300bn-or-p11-000-per-house.html

 

It's going to be interesting. We have reached the turning point. GE has gone bust, the other companies that indulged in the same behavior will be going tits up shortly. With interest rates rising and stock markets falling there will be a withdrawal of unsecured credit.

Makes me think that BTL will be hugely impacted with many having to rent at much lower prices as tennant's won't be able to borrow to pay the rent.

Certainly looks like a turning point in the market.

Although I think there is a problem surely the comparison should not be comparing what older people today owe compared to what young people owe, but how much both owe compared to their equivalents 10, 20 etc years ago.

Older people should owe less than the young, they have less time to pay it back and have had more time to pay it.

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14 minutes ago, iamnumerate said:

Although I think there is a problem surely the comparison should not be comparing what older people today owe compared to what young people owe, but how much both owe compared to their equivalents 10, 20 etc years ago.

Older people should owe less than the young, they have less time to pay it back and have had more time to pay it.

I agree older people should owe far less. This is unsecured debt, though of which I can imaging a good chunk of that £80m PER DAY increase goes directly to landlords.
It's almost like a proxy house price bubble mk2.0.


Unsecured debt -> Tennant -> rent -> Btl landlord -> Mortgage -> Bank -> Grade A bonds

If there were no unsecured debt paid to landlords then tennats woul;dn't be able to outbid each other on the rent. To add, it may not be the rent coming directly from the creait card, it could be all the living expenses whilst 100% of wages go to rent. Same thing really.

Edited by Wurzel Of Highbridge

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I've just driven up a main road here to see a tent on the side on the road. Now I've seen them close to cities and towns but this is literally on the side of a main road. Could be an EE staying over night for work but its getting worse for sure.

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I'm convinced the stats are wrong.

We've got at least 2 staff living rough out of a team of 40 and maybe another 5 at least sharing a flat or sofa surfing. The 2 living rough talk openly about it and have stayed with several of the team at different times.  They're all earning minimum wage with our Mod Apps starting on 19k this year.

What surprises the older ones (say over 50) is why? they cant grasp it.  But if they knew that one of our younger team has slammed 40K on 4 credit cards to pay a deposit on a 380k house, and is paying £500 minimum payment and interest only mortgage every month, then they may realise how desperate / stupid people are or how unaffordable half decent housing is. The guy with the maxed credit cards is stressed to hell and regretting he ever did it. He says the wife really wanted it and they needed room for a horse...!

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2 minutes ago, MinistryMan said:

I'm convinced the stats are wrong.

We've got at least 2 staff living rough out of a team of 40 and maybe another 5 at least sharing a flat or sofa surfing. The 2 living rough talk openly about it and have stayed with several of the team at different times.  They're all earning minimum wage with our Mod Apps starting on 19k this year.

What surprises the older ones (say over 50) is why? they cant grasp it.  But if they knew that one of our younger team has slammed 40K on 4 credit cards to pay a deposit on a 380k house, and is paying £500 minimum payment and interest only mortgage every month, then they may realise how desperate / stupid people are or how unaffordable half decent housing is. The guy with the maxed credit cards is stressed to hell and regretting he ever did it. He says the wife really wanted it and they needed room for a horse...!

Have you ever said to them - "look on right move and see what you could afford to rent on your salary or buy if you had the same deposit today you had when you bought (add inflation of course).  Does it make sense now?"  ?

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The stats are b*ollocks IMO. QT last night stated "1 in 200 sleeping rough OR in temporary accommodation", and although one of the panel pointed out that the two situations are vastly different and shouldn`t be lumped together, the narrative quickly morphed to the sensationalist end of reality with the presenter saying "1 in 200 sleeping rough". Of course no one mentioned house prices and the deliberate banker policy of using property as a lending vehicle, deliberately pushing up prices with Liar Loans to get the scheme moving. When a politician spells that out clearly and concisely, so that even the morons in the QT audience can understand, then and only then have we reached a significant turning point IMO, although as a second best I will take hordes of homeless and environmental protesters bringing our cities to a standstill, that should wake up some of the political class?

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6 hours ago, Odakyu-sen said:

Seriously. Even if you offered employment to them, how many of them would be able to take it? If you offered shelter to them, you would also have to impose certain rules around personal hygiene, being quiet and not disturbing the other residents, maintaining a basic level of orderliness, and so on. What proportion would take you up on your offer?

A mate of mine has his own business which runs a 24 hour production line.,  Every time he is asked for money by a beggar he says that he wil nto give them money but of they turn up at his premises and ask for him at 8 am the next working day he will give them a job. In over 2 years 1 guys has turned up who has worked for him for 6 months now.  

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  • 261 Brexit, House prices and Summer 2020

    1. 1. Including the effects Brexit, where do you think average UK house prices will be relative to now in June 2020?


      • down 5% +
      • down 2.5%
      • Even
      • up 2.5%
      • up 5%



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