Jump to content
House Price Crash Forum

Recommended Posts

Couple 1.

Male works and earns 50k on target earnings. He has declared himself bankrupt, and wrote of 40k worth of debt. Female and child rent a house, now as the male is declared as not living there, she gets her rent paid for by the council. He lives there, drives big X3 in drive, yet she pays 40 pounds a month in rent.

Person 'x'

Hasn't had a permanent job in her life, subsidised 1-bed flat, same story.

Person 'y'

Claims unemployment benefit, yet earns cash on side, wants to become legal, but can't afford too. Trapped in that situation.

Person 'z' Does not marry so mother of children get more tax benefits since his income is in the 40% tax threshold category.

My point is this, these are a handful of people I know, and i'm sure each and everyone of you on here knows at least one. What gets me is everyone is out for themselves, and this country does not reward those that work hard, save and try to do things the honest way. Honesty does not pay. And this relates to fraud on 100% self-certification mortgages. My 'friend' tells me his brother bought on 100% self-cert, now has made 30k ... but isn't it simply this over-lending that's artificially keeping house prices up!

Godmother today tells me she's selling her 80k 3-bed terraced victorian house for 270k in NW london (zone 4). She says she'll use the equity to buy another property for letting purposes!! :angry:

The thing I realise, other than nothing changing is that peoples perception does not extend beyond themselves.

I still can't afford to buy a house.... yet everyone else seems to be doing just alright without trying..... the first couple pissing me off the most with a 3-bed house paid for by council, yet i have to pay 13 times what they pay per month for a 1-bed flat! how is this fair! what on earth country are we living in?

Share this post


Link to post
Share on other sites

That's what happens when a country rewards irresponsibility and punishes responsibility. The good news is that socialism rarely survives beyond the third generation, because they're the ones who end up paying for it.

Share this post


Link to post
Share on other sites

Well of course once you get on the council house ladder you are made. Not only will you be able to rent your property for nothing effectively for life (£70 per week for a typical council property in Camden - zero if you fake 'depression' or a 'bad back' and get incapacity/housing benefit - compared to market rents of £250+), you can then buy it at a discount thus depriving the council of a property for people who might actually need this more in the future.

If you can't afford to buy outright you are also prioritised for shared ownership schemes over other first time buyers. This I find more disgraceful - why after getting subsidised rents for years should people then be able to get further subsidies to buy a property ahead of mugs who work hard and have to pay full market rent from scratch!

PS Did anyone know that the Regents Park parliamentary constituency which covers Maida Vale, St Johns Wood, Notting Hill, Paddington and Bayswater has one of the highest rates of incapacity benefit claimants in the UK. Great way to get the state to give you free housing in the most exclusive part of London! Not surprisingly Westminster council is having to over £120million a year in housing benefit to subsidise the local private rental market - almost twice what it spends on schools.

Share this post


Link to post
Share on other sites

Couple 1.

Male works and earns 50k on target earnings. He has declared himself bankrupt, and wrote of 40k worth of debt. Female and child rent a house, now as the male is declared as not living there, she gets her rent paid for by the council. He lives there, drives big X3 in drive, yet she pays 40 pounds a month in rent.

Person 'x'

Hasn't had a permanent job in her life, subsidised 1-bed flat, same story.

Person 'y'

Claims unemployment benefit, yet earns cash on side, wants to become legal, but can't afford too. Trapped in that situation.

Person 'z' Does not marry so mother of children get more tax benefits since his income is in the 40% tax threshold category.

My point is this, these are a handful of people I know, and i'm sure each and everyone of you on here knows at least one. What gets me is everyone is out for themselves, and this country does not reward those that work hard, save and try to do things the honest way. Honesty does not pay. And this relates to fraud on 100% self-certification mortgages. My 'friend' tells me his brother bought on 100% self-cert, now has made 30k ... but isn't it simply this over-lending that's artificially keeping house prices up!

Godmother today tells me she's selling her 80k 3-bed terraced victorian house for 270k in NW london (zone 4). She says she'll use the equity to buy another property for letting purposes!! :angry:

The thing I realise, other than nothing changing is that peoples perception does not extend beyond themselves.

I still can't afford to buy a house.... yet everyone else seems to be doing just alright without trying..... the first couple pissing me off the most with a 3-bed house paid for by council, yet i have to pay 13 times what they pay per month for a 1-bed flat! how is this fair! what on earth country are we living in?

NO DISRESPECT but you sound very green if you dont like what u see do something about it grass em ! or if you cant beat em join em or just grin and BEAR it . NO THE PROBLEM WITH THIS COUNTRY IS PEOPLE LIKE YOU DONT STOP GRIPING ABOUT OTHERS INSTEAD OF DOING SOMETHING CONSTRUCTIVE IN THERE OWN LIVES

Share this post


Link to post
Share on other sites

... Westminster council is having to over £120million a year in housing benefit to subsidise the local private rental market - almost twice what it spends on schools.

How can the government let this continue, it's scandalous. I went on a MCSE training course that my company paid 1k for, to see an austrailian guy contracting for the NHS sent on the same course, so am i right in thinking the NHS are paying 1k for his course also!!! and he isn't even British!!! I'm not a racist nor am i prejudice against 'foreigners', but just felt that this didn't quite make sense, since he was quite up-front he would return to austrailia in a couple of years!!

i'm half chinese/irish, so you could say i'm of emmigrant decent, or whatever i'm classified as, i'm not very patriotic to be fair, but i do see the good things for the UK, but i see so many bad things. Possibly i'm very naive in the way of the world or something, but when i see my sister who ran away from home, lived in care, gets a council place, asks me what i've achieved in life ? i think, 15k student loan debts, and not a great deal more than that other than to say i've worked, paid my dues honestly. But in essense she's right, in fact i'm possibly worst of with my student loan debt!

and when i can be an equal to her, i realise there is something fundamently wrong about this country. Don't get me wrong i don't sit down slagging off the UK all day, but if someone could tell me why it's such a good country it would be much appreciated.

NO DISRESPECT but you sound very green if you dont like what u see do something about it grass em ! or if you cant beat em join em or just grin and BEAR it . NO THE PROBLEM WITH THIS COUNTRY IS PEOPLE LIKE YOU DONT STOP GRIPING ABOUT OTHERS INSTEAD OF DOING SOMETHING CONSTRUCTIVE IN THERE OWN LIVES

Something constructive ? like what ? fraud ? deceit ? because that would be constructive ?

'people like me' ? and what person would i be in your eyes ? i'm merely passing observation commentry of the country i'm living in.

I wonder whether your misplaced anger is because those people aptly describe you.

Share this post


Link to post
Share on other sites

under normal housing conditions. aka pre 2001 boom, you would have been fine and dandy and swinging your golf balls in a 3 or 4 bed semi. 2 bed terrace or 2 bed flat.

now get back to the business cellar and keep working.

Share this post


Link to post
Share on other sites

How can the government let this continue, it's scandalous. I went on a MCSE training course that my company paid 1k for, to see an austrailian guy contracting for the NHS sent on the same course, so am i right in thinking the NHS are paying 1k for his course also!!! and he isn't even British!!! I'm not a racist nor am i prejudice against 'foreigners', but just felt that this didn't quite make sense, since he was quite up-front he would return to austrailia in a couple of years!!

i'm half chinese/irish, so you could say i'm of emmigrant decent, or whatever i'm classified as, i'm not very patriotic to be fair, but i do see the good things for the UK, but i see so many bad things. Possibly i'm very naive in the way of the world or something, but when i see my sister who ran away from home, lived in care, gets a council place, asks me what i've achieved in life ? i think, 15k student loan debts, and not a great deal more than that other than to say i've worked, paid my dues honestly. But in essense she's right, in fact i'm possibly worst of with my student loan debt!

and when i can be an equal to her, i realise there is something fundamently wrong about this country. Don't get me wrong i don't sit down slagging off the UK all day, but if someone could tell me why it's such a good country it would be much appreciated.

Something constructive ? like what ? fraud ? deceit ? because that would be constructive ?

'people like me' ? and what person would i be in your eyes ? i'm merely passing observation commentry of the country i'm living in.

I wonder whether your misplaced anger is because those people aptly describe you.

PEOPLE LIKE YOU WHINGERS as i said the first time if you dont like benefit cheats report them or are you to gutless ?no youd rather come on here moaning get off your harris and do something about it . me angry i think not :lol:

i work and pay my £800 a month rent one other thing if you dont like the country your living in find another goodbye (you are the weakest link)

Edited by Michael Hunt

Share this post


Link to post
Share on other sites

PEOPLE LIKE YOU WHINGERS

That's very judgemental since it's the first time i've mentioned benefit cheats in a thread.

as i said the first time if you dont like benefit cheats report them or are you to gutless ?no youd rather come on here moaning get off your harris and do something about it .

I'd rather come on here and moan about it, thanks all the same.

...me angry i think not :lol:

i work and pay my £800 a month rent one other thing if you dont like the country your living in find another goodbye (you are the weakest link)

your knowledge of daytime TV doesn't surprise me ;)

Share this post


Link to post
Share on other sites

I find it typical that everytime there is a financial problem in this country either high unemployment/high inflation or high house price inflation, the population turns on those on benefits because it starts thinking they are shafting the system and getting something more than anyone else.

I don't recall anyone complaining before the latest house price inflation - maybe that was because in my area the average rent on a council house was more than the average mortgage - yes it was cheaper to buy a three bed terrace than to pay the rent on a council house and many many people were paying there own rent (a council hosue is not a free house)

Did you here people in council houses complaining that they were paying more to live in a sh1t house with crap service than those who were buying there own homes on the open market?

I find it incredible that people on this site can be 'scrapping' over council houses - five years ago a good majority of the people on here wouldn't have touched a council house with a barge pole -

GET A FECKING GRIP

When house prices have crashed and your sitting in your nice house paid for with money you have earned spare a thought for those on low incomes who are watching their council house rent go up faster than inflation and have got no choice about where they live and are living in substandard proeprties because the time will come again when they are paying more rent then your mortgage is.

Share this post


Link to post
Share on other sites

I find it typical that everytime there is a financial problem in this country either high unemployment/high inflation or high house price inflation, the population turns on those on benefits because it starts thinking they are shafting the system and getting something more than anyone else.

I don't recall anyone complaining before the latest house price inflation - maybe that was because in my area the average rent on a council house was more than the average mortgage - yes it was cheaper to buy a three bed terrace than to pay the rent on a council house and many many people were paying there own rent (a council hosue is not a free house)

Did you here people in council houses complaining that they were paying more to live in a sh1t house with crap service than those who were buying there own homes on the open market?

I find it incredible that people on this site can be 'scrapping' over council houses - five years ago a good majority of the people on here wouldn't have touched a council house with a barge pole -

GET A FECKING GRIP

When house prices have crashed and your sitting in your nice house paid for with money you have earned spare a thought for those on low incomes who are watching their council house rent go up faster than inflation and have got no choice about where they live and are living in substandard proeprties because the time will come again when they are paying more rent then your mortgage is.

I'm not having a dig at legitmate people that live in council houses or receive benefits, i clearly identified 4 people i know, of whom are cheating the system, and used that to put forward that 'we' all know of people like these. And with that, i'm afraid it does become an argument of why they can exploit and system and get a free ride. It's rubbing our noses in it as far as i'm concerned with house prices as they are. It illustrates to me the selfishness that perpetuates the house price bubble and that's why i brought it up.

i'm beginning to wonder whether anyone actually reads the jist of the thread before launching into their opinionated stance and coming over all sanctimonious about things.

Share this post


Link to post
Share on other sites

NO DISRESPECT but you sound very green if you dont like what u see do something about it grass em ! or if you cant beat em join em or just grin and BEAR it . NO THE PROBLEM WITH THIS COUNTRY IS PEOPLE LIKE YOU DONT STOP GRIPING ABOUT OTHERS INSTEAD OF DOING SOMETHING CONSTRUCTIVE IN THERE OWN LIVES

Not a fair comment as only so many people have the ability to get a job well-enough paid to compete with this lot on benefits.................

Share this post


Link to post
Share on other sites

I'm not having a dig at legitmate people that live in council houses or receive benefits, i clearly identified 4 people i know, of whom are cheating the system, and used that to put forward that 'we' all know of people like these. And with that, i'm afraid it does become an argument of why they can exploit and system and get a free ride. It's rubbing our noses in it as far as i'm concerned with house prices as they are. It illustrates to me the selfishness that perpetuates the house price bubble and that's why i brought it up.

i'm beginning to wonder whether anyone actually reads the jist of the thread before launching into their opinionated stance and coming over all sanctimonious about things.

yes I do read threads before I comment.

The point is we all know there are people like this out there - always have been and always will be. The same as there will always be bent coppers/politicians that take back handers/bent EA's/grabbing company directors with golden handshakes/people who avoid tax/people who rip off old ladies/people who deal drugs etc etc.

I too get p1ssed off when I see this going on. I know people who live in big houses with everything paid for them while they sit on their @rse doing nothing while I work and pay tax to keep them in a better lifestyle that I have.

MY CHOICE

Why? because in ten years time they will still be sat on their @rse in their council house on a low fixed income while I have choices in life and can work my way up lifes ladder.

What you are describing is benefit fraud and it is illegal - I can understand why you are p1ssed off BUT the point is you can do something about the cases you talk about - pick up the phone and grass them up.

Share this post


Link to post
Share on other sites
Guest Bart of Darkness
pick up the phone and grass them up

Agreed. You'll feel better for having done something.

Share this post


Link to post
Share on other sites

Agreed. You'll feel better for having done something.

There are people cheating benefits living the life of Reily and sticking two fingers up to "the establishment". There are also people who are desperate to provide for their family, and who can't make ends meet by being honest (either on benefits or a low paid job).

In the case of that 14 year old girl who was arrested and convicted for drunk driving, it seems that her family have been spending big ££££ on her even though they live on her father's £162 a week incapacity benefit. How does that work out?

Billy Shears

Share this post


Link to post
Share on other sites

NO DISRESPECT but you sound very green if you dont like what u see do something about it grass em ! or if you cant beat em join em or just grin and BEAR it . NO THE PROBLEM WITH THIS COUNTRY IS PEOPLE LIKE YOU DONT STOP GRIPING ABOUT OTHERS INSTEAD OF DOING SOMETHING CONSTRUCTIVE IN THERE OWN LIVES

So, let's see, what your saying is that he could just "join em" and if everyone behaved like that, the country would go into a destructive spiral. He is doing something about it: The original post is an attempt to spread information and debate about the unfairness that lies in our society, and the reward system. That is doing something about it. It's trying to get people to see that it has to change. What's your problem with that?

Share this post


Link to post
Share on other sites

PEOPLE LIKE YOU WHINGERS as i said the first time if you dont like benefit cheats report them or are you to gutless ?no youd rather come on here moaning get off your harris and do something about it . me angry i think not :lol:

i work and pay my £800 a month rent one other thing if you dont like the country your living in find another goodbye (you are the weakest link)

I know several people who are bucking the system, but I would not 'grass them up' and it has nothing to do with being gutless (an anonymous phone call is hardly brave)

I just don’t consider the right thing to do, plus who knows, if I was in their shoes, maybe I would do the same???????????

On a practical note, the system could not handle mass grassing, the DSS can only process so many benefit cheats, which is a tiny percentage - the grassline is mostly for PR purposes IMO

PS Lucky I did a spell check before posting - otherwise it would have read "the system could not handle mass gassing"!

Edited by 88Crash

Share this post


Link to post
Share on other sites
Guest muttley

On a practical note, the system could not handle mass grassing, the DSS can only process so many benefit cheats, which is a tiny percentage - the grassline is mostly for PR purposes IMO

If you look on the back of a NHS prescription there is a circle in the top right hand corner which says something like "Evidence od exemption not seen by pharmacist". This was introduced about 5 years ago to deter prescription fraud.The idea is that if a patient signs the back of the prescription to say he is exempt the prescription charge he/she must produce evidence at the pharmacy to prove this. If not, the pharmacist puts a cross in the circle and the patients claim may be investigated.If the patient has been making th claim fraudulently he/she may be prosecuted, but usually they are just asked to pay the due charges.(They usually go back a few months in order to "up" the fine)

The process of investigation and issuing a fine is probably not cost-effective, but the deterence is pretty good.We have noticed an increase in patients paying the NHS charge, and a big increase in the number of patients buying the pre-payment certificate.

Share this post


Link to post
Share on other sites

I feel sorry for people who think it is clever to cheat and rely on benefis. They have created a dependency trap for themselves which in the long run doesn't pay.

In the long run, if you work / think hard you will be richly rewarded.

Take a longer term view. The wealthiest people in this country are not the ones on benefits, they are the likes of business people, investors, people who are "stars" in their proffession, those who not only inherit wealth but also know how to manage and continue to build it.

I try to be as self-reliant as possible. I wouldn't want to be stuck in a benefits trap of my own making.

This country does reward hard work and discipline etc. If you have the get up and go to either start a small business which you grow, or have the self discipline to save and invest regularly, in the long run, you will be richly rewarded, with a nice retirement fund, holiday home abroad, nice car, holidays abroad or whatever else you desire. Your wealth can also be passed onto your children.

Share this post


Link to post
Share on other sites
Guest pioneer31

PEOPLE LIKE YOU WHINGERS as i said the first time if you dont like benefit cheats report them or are you to gutless ?no youd rather come on here moaning get off your harris and do something about it . me angry i think not :lol:

i work and pay my £800 a month rent one other thing if you dont like the country your living in find another goodbye (you are the weakest link)

You should have given that kind of advice to the Iraqi's under Saddam's rule. :rolleyes:

I don't know if any of you guys listen to Mike Dickin on TalkSport but last night he got hold of the DSS bill figure from a couple of years back. Now, as far as I know, he was talking about 1 YEAR, although the amount seems absolutely unbelieveable.

Are you sitting comfortably?

£106 Billion.

This, in an country where old people are told to sell up and pay for their own care. :angry:

I've just cheked the govt website.........

"The Government spends over £100 billion on social security every year. Yet the technology and systems that are used to deliver these services are antiquated and unreliable, unable to deliver modern services and vulnerable to fraud and error."

Comforting to know.

Edited by pioneer31

Share this post


Link to post
Share on other sites

2005 - I don't have any problem with council housing for those who really need it - especially for those with families on low paid jobs, the elderly or disabled. I do have a problem with discounts on right to buy in central London and priority for shared ownership subsidised schemes over other first time buyers in expensive areas.

The problem with the benefits system as it works in London these days is that it acts as a disincentive for people to work. You also end up with a perverse system whereby if you are on the dole the state will pay out housing benefit to enable you to live in private rented accommodation in the most expensive area in London (£120m a year in Westminster alone) when many in low/average paid jobs could never afford to live there.

Unless of course you are one of the many international migrants who are being appallingly exploited and living ten to a room in Bayswater doing jobs which should be regulated and done by the 200,000 + unemployed (even more 'economically inactive' people) living in London.

Ultimately this will lead to ever more social breakdown and crime as millionaires live next to the very poor and the working/middle class cease to exist in our capital city.

Share this post


Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

Loading...

  • Recently Browsing   0 members

    No registered users viewing this page.

  • 301 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%



×
×
  • Create New...

Important Information

We have placed cookies on your device to help make this website better. You can adjust your cookie settings, otherwise we'll assume you're okay to continue.