Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Online
|
quote:
Originally posted by A2H GO
Taking out a mortgage with a loan for the deposit is effectively a 100% mortgage and banks don't offer them anymore for a reason.
The reason is that they're unable to recoup the liability because they've lent the same or usually in that circumstance, more than the house will realise.
If you offer 90% and the buyer bolsters that with other sources, you've still mitigated the recuperation cost.
So it's not strictly the reason.
|
Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Online
|
quote:
Originally posted by sc0ott
You dont have to be an expert to tell someone who has kids ... they would be refused a mortgage, lol.
Relevant?
|
Dave
Member
Registered: 26th Feb 01
Location: Lancs
User status: Offline
|
Can't help but notice the deafening silence of the OP since being offered a full time job.
[Edited on 08-05-2011 by CorsaDave]
|
Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Online
|
A what?
|
Dave
Member
Registered: 26th Feb 01
Location: Lancs
User status: Offline
|
quote:
Originally posted by Ian
A what?
I'll get used to this phone eventually.
|
Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Online
|
To be honest, I'm only here after a complaint which is why I'm also replying. That may be the reason he's not been back.
|
Colin
Member
Registered: 4th Apr 02
User status: Offline
|
A complaint about what exactly that he didnt get full supportive comments towards buying a 5 bedroom house 100% on tick while working 16hr weeks?? 
|
Chris x
Member
Registered: 11th Sep 08
Location: Bexhill
User status: Offline
|
F
|
Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Online
|
No, a complaint about people being offensive high horse twats, which I'm in the middle of upholding.
|
Dave
Member
Registered: 26th Feb 01
Location: Lancs
User status: Offline
|
quote:
Originally posted by Colin
A complaint about what exactly that he didnt get full supportive comments towards buying a 5 bedroom house 100% on tick while working 16hr weeks??
The lad got some stick but if you are going to admit to leaving a full time job to get a part time one and letting the government top up your wages what did he really expect?
|
BarnshaW
Member
Registered: 25th Oct 06
User status: Offline
|
what colin said.
|
Colin
Member
Registered: 4th Apr 02
User status: Offline
|
Constructive encouragement i'd prefer to call it. Ok he maybe took a slating but i'm sure i'm not alone in saying that i'd rather see the guy get on & into full time work & get that pad than struggle off hand outs & dreaming!!?
|
Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Online
|
Indeed, and there's a nice way of saying it.
A concept which fails a great many of these wise people.
|
Lawrah
Premium Member
Registered: 25th Dec 04
User status: Offline
|
It comes down to utter lazyness. Bone Idle.
These people dont deserve nice.
|
BarnshaW
Member
Registered: 25th Oct 06
User status: Offline
|
ian can i just say in the politest of ways, only the other day in the thread with gardenspoon you called him a "cunt" and a "dickhead" so really again you cant moan at other people when you do exactly the same thing yourself
|
Nath
Member
Registered: 3rd Apr 02
Location: MK
User status: Offline
|
No sympathy tbh.
|
Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Online
|
I don't agree it's laziness.
There is generally a financial reason to stay in that position.
Working under 16 hours means you continue to claim housing benefit, job seekers, whatever is available.
Obviously that is mathematically better than going over 16 because you then need to work 30+ to be on the same money.
Working 20 you are down, for example.
That's a systemic issue, not a personal one. And the solution is vote and present a case to exceed the lower end of the wages scale. Not be offensive and derogatory on the internet.
I completely agree with the sentiment of the thread - getting a mortgage whilst capping your earnings to a small hourly value and relying on the benefits to remain in order to pay the mortgage, while simultaneously overlooking other bills is somewhat short-sighted.
But I wouldn't be such a cunt. It's just maths.
[Edited on 08-05-2011 by Ian]
|
Jake
Member
Registered: 24th Jan 05
User status: Offline
|
the main problem with these lads is they instantly want to be 5 rungs up the job ladder earning 80 or 90quid a day, and it dont work like that
|
Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Online
|
quote:
Originally posted by BarnshaW
ian can i just say in the politest of ways, only the other day in the thread with gardenspoon you called him a "cunt" and a "dickhead"
Different situation. I know you won't agree because you haven't already, but being stuck on benefits is entirely different to registering on a web site just to take the piss, as that other guy did.
This isn't just about using the word once and instantly everything else being similar.
[Edited on 08-05-2011 by Ian]
|
Colin
Member
Registered: 4th Apr 02
User status: Offline
|
Thats fine but personally i'd be embarrassed to do so. I'd want to take a FT position cleaning bogs & work my way up to something better than take the easy route to nothing!? There are jobs out there. Ive had to graft to get a decent one it wasnt laid out on a silver platter to me.
|
Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Online
|
Again, I agree.
But you're all being very nice now because it's me making the point that there's a reason to stay down there.
|
Colin
Member
Registered: 4th Apr 02
User status: Offline
|
I dont think ive ever not been nice in here??? 
|
Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Online
|
|
Colin
Member
Registered: 4th Apr 02
User status: Offline
|
DEEEY TOOOK RRRRR JAAAAWBS
|
Dave
Member
Registered: 26th Feb 01
Location: Lancs
User status: Offline
|
But he walked out of a full time job. there is the main issue surely. If he was made redundant or had to give up work for a time due to illness/injury that's different but he chose to give up his job and milk the system.
I'm guessing as it was under minimum wage he was on some sort of apprenticeship/training scheme but there was nothing stopping him taking a second job to top up his wages if this was the case. I know of many people who used to do evening bar work or a weekend job to up their earnings whilst training.
|
