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[baggieal]

There's a bloke on this thread who swears blind he was against Brexit from the start, isn't part of the younger generation and has openly stated many times he doesn't vote in elections and didn't participate in the Brexit ballot.

Can you guess who it is? I'll give you a clue. His name starts with the letter A. I'm off before he comes back with a really, really long reply. Or even a very short one which includes the word 'off' 😊.

That’s you A rse hole 😭 Wasted time on recall could be spent enjoying the mrs unless that has passed too due to age 😅

Oh - the bitterness of some!

[westcountryvillain]

It's the preserve of the old to educate the young at least to an extent, my mantra is that with wisdom comes responsibility - I have always voted in elections but didn't need to be told too, sadly it's not the same across the younger generation. Now the older generation perhaps have more interest in current affairs because there's less partying, parenting to do and the distraction of career ambitions isn't there - leaving time to find out more, there's only so much TV & music to consume before boredom kicks in.

As for the 70's and 80's - a household could be financed by one income, whereas now it's a struggle for two people and the supply isn't meeting demand, creating the rent trap. In fact folk report being turned down for mortgages with monthly payments significantly lower then their rent, that's shocking. Add in immigration (by whatever means) and you have a perfect storm.

[baggieal]

It's the preserve of the old to educate the young at least to an extent, my mantra is that with wisdom comes responsibility - I have always voted in elections but didn't need to be told too, sadly it's not the same across the younger generation. Now the older generation perhaps have more interest in current affairs because there's less partying, parenting to do and the distraction of career ambitions isn't there - leaving time to find out more, there's only so much TV & music to consume before boredom kicks in.

As for the 70's and 80's - a household could be financed by one income, whereas now it's a struggle for two people and the supply isn't meeting demand, creating the rent trap. In fact folk report being turned down for mortgages with monthly payments significantly lower then their rent, that's shocking. Add in immigration (by whatever means) and you have a perfect storm.

Exactly WCV! Yes a big struggle for two people now. Sadly banks are not throwing loans or mortgages ( especially the awful interest only ) at young people like they did in the early 80’s. Responsible yes but so much harder for young folk to get mortgages/business loans or even any loan!

I am retired now and will enjoy life but wouldn’t want to be 17/18 now but it was far easier when I was that age! A good education and grades more important now than ever and in later life with this - something to fall back on if needed.

[baggieal]

It's the preserve of the old to educate the young at least to an extent, my mantra is that with wisdom comes responsibility - I have always voted in elections but didn't need to be told too, sadly it's not the same across the younger generation. Now the older generation perhaps have more interest in current affairs because there's less partying, parenting to do and the distraction of career ambitions isn't there - leaving time to find out more, there's only so much TV & music to consume before boredom kicks in.

As for the 70's and 80's - a household could be financed by one income, whereas now it's a struggle for two people and the supply isn't meeting demand, creating the rent trap. In fact folk report being turned down for mortgages with monthly payments significantly lower then their rent, that's shocking. Add in immigration (by whatever means) and you have a perfect storm.

Exactly WCV! Yes a big struggle for two people now. Sadly banks are not throwing loans or mortgages ( especially the awful interest only ) at young people like they did in the early 80’s. Responsible yes but so much harder for young folk to get mortgages/business loans or even any loan!

I am retired now and life is for living but feel for the younger ones so education is even more important.

[mickd1961]

Exactly WCV! Yes a big struggle for two people now. Sadly banks are not throwing loans or mortgages ( especially the awful interest only ) at young people like they did in the early 80’s. Responsible yes but so much harder for young folk to get mortgages/business loans or even any loan!

I am retired now and life is for living but feel for the younger ones so education is even more important.

This is b o l l o x AL, it’s easier than ever to get credit.

That’s why so many people of all ages are up to their necks in it.

Even when badly in debt my son was constantly getting mail and emails offering him loans and cards.

In this house we’ve just repossessed the tenants each had multiple CCJ’s against them and there’s mail piling up from credit card companies for them.

[baggieal]

This is b o l l o x AL, it’s easier than ever to get credit.

That’s why so many people of all ages are up to their necks in it.

Even when badly in debt my son was constantly getting mail and emails offering him loans and cards.

In this house we’ve just repossessed the tenants each had multiple CCJ’s against them and there’s mail piling up from credit card companies for them.

Sorry Mick - totally disagree! Can you get an interest only mortgage now? Can you get self certification through a financial advisor? Can you be allowed multiple mortgages for buy to let’s like yesterday year?

Your estate agent was Micky Mouse for allowing this to happen! I took a rental in December and had to provide 6 months worth of statements showing affordability and we were checked out for any convictions! It was like going through a mortgage application!

At 18 - I had a 10 grand loan to buy my first car and barely any checks! Can you get a 10 grand loan now without such checks?

[mickd1961]

Sorry Mick - totally disagree! Can you get an interest only mortgage now? Can you get self certification through a financial advisor? Can you be allowed multiple mortgages for buy to let’s like yesterday year?

Your estate agent was Micky Mouse for allowing this to happen! I took a rental in December and had to provide 6 months worth of statements showing affordability and we were checked out for any convictions! It was like going through a mortgage application!

At 18 - I had a 10 grand loan to buy my first car and barely any checks! Can you get a 10 grand loan now without such checks?

I don’t know about interest only mortgages as I’m not applying for mortgages now.

It’s p I s s easy to get credit cards even now even if you you are in poor circumstances.

As for my estate agent.

I have dealt with this agent for a very long time and I trusted them implicitly.

I am extremely loyal to people who provide me services and I’ve been with the same solicitor and accountant, shipping agent and other business providers for 25 to 45 years.

As a family we’ve been totally f u c k e d over on this occasion and legal recourse will be sought.

Ineptitude and negligence of an extreme degree have taken place with this property.

Estate agents are not properly regulated in my opinion.

I’ve been amazed over the past week as I’ve visited around 20 estate agents to warn them about these rogue tenants, 95% of the “specialist” letting managers at these places are actually unaware of proper procedure and of certain bodies that tenants can use to make life horrendous for landlords.

Estate agents are poorly trained and not up with the law and are loose with paperwork and checks and cavalier in their rush to make a commission.

The industry needs regulating much more rigorously.

[baggieal]

I don’t know about interest only mortgages as I’m not applying for mortgages now.

It’s p I s s easy to get credit cards even now even if you you are in poor circumstances.

As for my estate agent.

I have dealt with this agent for a very long time and I trusted them implicitly.

I am extremely loyal to people who provide me services and I’ve been with the same solicitor and accountant, shipping agent and other business providers for 25 to 45 years.

As a family we’ve been totally f u c k e d over on this occasion and legal recourse will be sought.

Ineptitude and negligence of an extreme degree have taken place with this property.

Estate agents are not properly regulated in my opinion.

I’ve been amazed over the past week as I’ve visited around 20 estate agents to warn them about these rogue tenants, 95% of the “specialist” letting managers at these places are actually unaware of proper procedure and of certain bodies that tenants can use to make life horrendous for landlords.

Estate agents are poorly trained and not up with the law and are loose with paperwork and checks and cavalier in their rush to make a commission.

The industry needs regulating much more rigorously.

When I say mortgages/loans/overdrafts/business borrowing this is the tightest it’s ever been in history. This is all secured borrowing which is different to credit cards which is unsecured!

In the early 80’s it was p iss easy to even get money for secured borrowing which now in 2023 is unbelievably difficult hence my response - how does someone easily get on the housing ladder now or get a decent business loan! In the early 80’s I was offered four mortgages. In the 90’s there was not even a single check for a self certified mortgage. Now in 2023 you could be buying a house for 500 grand with a 450 grand deposit and they would still be doing the same checks for the 50K as if it was in reverse - borrowing 450 grand with a 50K deposit. Sheer madness!

Credit cards which is unsecured borrowing perhaps is different. Hard though for someone to rack up serious debt as borrowing amounts are generally under 10K.

Perhaps it’s me but was raised not to trust anyone and be ruthless but fair. No such thing as staff loyalty to a degree as it’s human nature for a staff member to leave for a better package. My late father had pubs and trusted nobody as even when he went on holiday trusted family members ( so he thought ) were sticking their hands in the till.

Even for my sons university private tenancy when I had to be a guarantor - they ran an affordability check on me and checked me out in terms of no CCJ’S etc. This is bog standard checking for f uck sake! You really need to sue this estate agent for gross negligence! It’s absolutely amateurish behaviour!

Sadly in life if a person has nowt they get away with it time and time again. Escaping debt is far easier to what it was in the 80’s as it’s been made easy to get IVA’S etc or for one spouse to go bankrupt whilst the other is still loaded with a good credit history! Wrong? Too right it is! That’s why people play the system!

[Albionic68]

That’s you A rse hole 😭 Wasted time on recall could be spent enjoying the mrs unless that has passed too due to age 😅

Oh - the bitterness of some!

That sherry you're on must be very moreish Al', that said you're more than welcome to it 😊 .

[baggieal]

That sherry you're on must be very moreish Al', that said you're more than welcome to it 😊 .

Sherry - that’s for rainbow laces or those on the verge of the Pearly Gates! Hang on in there 68 ☝️