Mortgages for people on UC. Is it the stupidest idea ever?

[Notch7]

I certainly don't consider myself right or left wing. More a moderate middle who just thinks, if people want things in life they should be prepared to actually work towards those goals, not expect to just sit back and have it handed to them on a plate through the efforts of others.

you are still repeating dishonest, untrue tropes.

tell which of these should “get off their arze and get a job”

a woman with young children that has escaped domestic violence
a single mother with Young children, whose marriage breakdown was not her fault
a man who had a serious work injury
a veteran soldier suffering PTSD
a woman who is a carer for a very disabled relative
a Couple with young children both work, have to claim universal credit and Still go hungry.


Come on, which of the above do you ‘think’ those people should “work towards these goals”

Its time you stopped your smug, lazy tropes and started thinking

 

[big-all]

Above £6,000 in savings reduces universal credit payments (I think, I’m not an expert on this stuff)

it was reduction in many benefits on a sliding scale with a £5 reduction [i think it was] each week for every 1k they have in savings above 6k so on 8k they would be expected to deplete there savings by £40 a week and have to declaire when it had dropped below the 6k mark
and iff you have greater than 16k your not entitled to any benefits
now i havent helped anyone with benefits for several years but believe iff anything its 10-20% worse now with sanctions 'bedroom tax benefits cap 'council tax contributions etc
mortgage interest help also used to assume an interest rate off 5% when actual amounts at the time where around 8%

 

[JP_]

But... Many people who currently cannot afford a mortgage according to lenders, can afford to spend more in rent. Magic!

If the government built the social housing they needed to, there would be more people in social housing, rather than expensive rented accommodation.

People who own their homes are a lesser burden in later life.

 

[securespark]

Tory Govt will NEVER build significant numbers of housing for rent because it will deprive all the greedy Tory LLs out of their cushy income.

 

[big-all]

Tory Govt will NEVER build significant numbers of housing for rent because it will deprive all the greedy Tory LLs out of their cushy income.

whilst i fully agree with your comments, i will be resevered in my comments to keep civility in this thread
all the time housing is seen as a cash cow or a way to gain money housing will never be affordable
you need enough housing to be built with severe restrictions on who can buy the property to make it no more than a house to live in rather than an investment
for probably over 30 years restrictions to make housing affordable to locals has not been in place
housing should not be primarily an investment but a place to live

 

[Mottie]

Above £6,000 in savings reduces universal credit payments (I think, I’m not an expert on this stuff)

Feck me, that must be about the only thing you aren’t an expert in!

 

[motorbiking]

you are still repeating dishonest, untrue tropes.

tell which of these should “get off their arze and get a job”

a woman with young children that has escaped domestic violence
a single mother with Young children, whose marriage breakdown was not her fault
a man who had a serious work injury
a veteran soldier suffering PTSD
a woman who is a carer for a very disabled relative
a Couple with young children both work, have to claim universal credit and Still go hungry.


Come on, which of the above do you ‘think’ those people should “work towards these goals”

Its time you stopped your smug, lazy tropes and started thinking

@conny Its not for you to decide if you are left of right wing, the kind lefties of the forum will do that for you. Anything right of Corbyn is extreme right wing, poorly educated and dumb.

Some people work out if they can afford to have children before having them. I know its terribly old fashioned.

lets go through those examples:

1. The state will provide housing.
2. Why are you are assuming the father wont care for the kids or pay child maintenance? The woman can divorce her husband and apply for a financial order against him to split the assets and get an income attachment. Her needs will be "generously assessed". Divorce law is still stuck in the 1970s
3. He phones one of the many conditional fee arrangement law firms to get compensation, assuming he was not negligent. If so See item 1.
4. There are some amazing charities supporting these people and the MOD does a huge amount, not to mention the AFPS payments.
5. She is entitled to claim benefits. The NHS will also pay for care, unless the relative is wealthy.
6. Shall we have a kids? hmm we can't really afford it, lets wait until we have saved some money, nah. lets ask other tax payers to pay.

 

[noseall]

Some people work out if they can afford to have children before having them. I know its terribly old fashioned.

Some people rear their kids till they can look after themselves and some get into financial difficulties before they have even finished breastfeeding. I know that's terribly inconvenient for you.

 

[Notch7]

@conny Its not for you to decide if you are left of right wing, the kind lefties of the forum will do that for you. Anything right of Corbyn is extreme right wing, poorly educated and dumb.

Some people work out if they can afford to have children before having them. I know its terribly old fashioned.

lets go through those examples:

1. The state will provide housing.
2. Why are you are assuming the father wont care for the kids or pay child maintenance? The woman can divorce her husband and apply for a financial order against him to split the assets and get an income attachment. Her needs will be "generously assessed". Divorce law is still stuck in the 1970s
3. He phones one of the many conditional fee arrangement law firms to get compensation, assuming he was not negligent. If so See item 1.
4. There are some amazing charities supporting these people and the MOD does a huge amount, not to mention the AFPS payments.
5. She is entitled to claim benefits. The NHS will also pay for care, unless the relative is wealthy.
6. Shall we have a kids? hmm we can't really afford it, lets wait until we have saved some money, nah. lets ask other tax payers to pay.

The examples I gave are people who often go hungry on universal credit.

 

[Notch7]

6. Shall we have a kids? hmm we can't really afford it, lets wait until we have saved some money, nah. lets ask other tax payers to pay

so only the entitled rich should be allowed to have children.

the younger generation, stuck in rented accomodation who work full time, : Motorbiking says “Fuk em”

 

[motorbiking]

I'm suggesting people take stock of their situation before bringing children in to the world. Why should other people pay for someone else to have children while also having to pay for the cost of their own?

Plenty of people who rent, can still afford to have children.

Its not entitled rich. Its just people having a think about how they will cope financially while they have a child of pre-school age.

 

[motorbiking]

Some people rear their kids till they can look after themselves and some get into financial difficulties before they have even finished breastfeeding. I know that's terribly inconvenient for you.

I don't have a problem with the state supporting people who have bad luck. I have a problem with people thinking they deserve a living without working while they sit at home and bring up kids they could never afford to look after. As if having a child was like getting a pet dog. Plenty of people have children to game the state benefits system and plenty of people can barely afford the taxes taken to pay for those who can't be ar*ed.

 

[Notch7]

1. The state will provide housing

but Conny says they are lazy scroungers

2. Why are you are assuming the father wont care for the kids or pay child maintenance

I wasn’t, but there are many instances where they get nothing.

Conny says they are lazy scroungers, apparently it’s a lifestyle choice

He phones one of the many conditional fee arrangement law firms to get compensation, assuming he was not negligent. If so See item

Conny Says he is a lazy scrounger, his universal credit isn’t enough and he goes hungry.

4. There are some amazing charities supporting these people and the MOD does a huge amount, not to mention the AFPS payments

there are veteran soldiers on UC credit that haven’t received treatment for PTSD and their UC runs out and they get hungry.

it happens.

Conny says they are lazy scroungers

She is entitled to claim benefits. The NHS will also pay for care, unless the relative is wealthy

I think you should update yourself on what benefits such a person gets, the state has seriously let down family carer.

yes she is entitled to get benefits….but Conny says she is a lazy scrounger.




You see, people like Conny stereotype everybody on benefits as lazy scroungers.

the right wing supporters spout the same sh1t all the time:
“it’s a lifestyle choice”
”they all have latest smartphones”
”they spend their money on fags”
”they wouldn’t go hungry if they budgeted better”

frankly I’m getting forking bored of the dumb sh1t spouted by these unthinking, uncaring, Daily Mail reading haters.

 

[Odds]

In 2012 the government introduced the one-for-one policy which was to ensure that any council homes sold under right-to-buy were replaced... In 2015 the Tories campaigned to extend right-to-buy to Housing Association tenants, with that same commitment to one-for-one replacements... but only a small proportion of homes sold off under the existing right-to-buy scheme have been replaced.

When the 2015 policy was announced, the mayor of London, Boris Johnson, said "that extending right-to-buy to Housing Associations was 'the height of insanity' if it did not lead to the creation of affordable homes in the capital."

Article: Bob Kerslake

At least de Piffle has been right about something before. More affordable homes are essential. The trouble seems to be in deciding where to build them and how can a company make any money in the process.
The old foundry nearby has been allocated for development and one of the strongest proposals was for affordable housing to be created - instead, we seem to be getting an indoor cricket pitch and gym. It appears the residents of our village are not happy at having such housing on their doorstep or, by implication, the kind of residents they would attract.

 

[Odds]

President Clinton originally I believe, 'ninja' mortgages (no income no job - everybody should be able to buy there own home).

What could possibly go wrong?

Wasn't that one of the main reasons why the financial crash of 2008 happened? Too many people in negative equity who couldn't afford to pay the mortgages when they were out of work.