Repossession.
08 January 2009, 10:02 AM
#31
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Ours is a good example of how the banks behaved and why people get in trouble.
Bought house.£50,000 deposit, roughly £175k mge
First letter we get from the bank after moving in says we have a £50,000 reserve if we want to use it.
To many people would have thought wahoo! New car,decorate house,lots of new toys.Mortgage suddenly becomes £225k and now,house is worth maybe £175k
We wouldn't touch it,but how daft and irresponsible????? Banks saying 'go on,use your equity if you want,we know you want too'.
No wonder people will be in trouble
Bought house.£50,000 deposit, roughly £175k mge
First letter we get from the bank after moving in says we have a £50,000 reserve if we want to use it.
To many people would have thought wahoo! New car,decorate house,lots of new toys.Mortgage suddenly becomes £225k and now,house is worth maybe £175k
We wouldn't touch it,but how daft and irresponsible????? Banks saying 'go on,use your equity if you want,we know you want too'.
No wonder people will be in trouble
08 January 2009, 10:03 AM
#32
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I think it was a bit half and half with the people on there. I think all of them had themselves to blame to a certain degree, and had they been a bit more prudent and thought about their futures wouldnt have ended up in as much trouble.
1) the people who bought their council house for £40K and 'released their equity' up to £150K only have themselves to blame - if you had a £40K mortgage, even with a modest salary you could pay it off within a few years of hard saving, then when you wanted all the toys like they had ( big screen TV, bloke had a nice motocross bike leaning against the wall etc... ) they could have saved and bought them for cash, or even borrowed on the credit card knowing they were mortgage free, so would have a lot of expendable income.
2) The self employed bloke just seemed happy to sit on his backside and wait for the bailiffs while moaning he wasnt getting any work - so why didnt he, and his other half, go out and get any work they could, even minimum wage work in a factory or stacking shelves, cleaning etc... - would have thought it would be preferable to losing the house.
If it were me, I would rather go out and get two low paid jobs and work 7 days a week than lose the house or declare myself bankrupt and have to rent somewhere.
Saying that, I've had a decent income for the last couple of years, but rather than going out and buying a brand new car and having 3 holidays a year, I've built up some savings, so if the worst happens then the mortgage will be paid.
1) the people who bought their council house for £40K and 'released their equity' up to £150K only have themselves to blame - if you had a £40K mortgage, even with a modest salary you could pay it off within a few years of hard saving, then when you wanted all the toys like they had ( big screen TV, bloke had a nice motocross bike leaning against the wall etc... ) they could have saved and bought them for cash, or even borrowed on the credit card knowing they were mortgage free, so would have a lot of expendable income.
2) The self employed bloke just seemed happy to sit on his backside and wait for the bailiffs while moaning he wasnt getting any work - so why didnt he, and his other half, go out and get any work they could, even minimum wage work in a factory or stacking shelves, cleaning etc... - would have thought it would be preferable to losing the house.
If it were me, I would rather go out and get two low paid jobs and work 7 days a week than lose the house or declare myself bankrupt and have to rent somewhere.
Saying that, I've had a decent income for the last couple of years, but rather than going out and buying a brand new car and having 3 holidays a year, I've built up some savings, so if the worst happens then the mortgage will be paid.
Worked hard, did overtime, and with Bonuses I paid the £56k off in just over 5 years. I now have no mortgage, no car repayments. The only things I pay out of my wages are utility bills, a couple other bills (phone etc) food, and diesel. All the rest of my wage is mine, all mine to save/spend.
With house prices falling and car values falling even faster, I'll be in a very strong position to either buy a decent sized house for a sensible amount of money or buy that dream car........911 Turbo
Any mortgage I get in the future will be based on being able to pay it off within 5-10 years.
I could have got myself a nice new house a couple years ago. Payed for it with a 125% mortgage. Then found myself running the risk of having it reppo'd.
Guess some people are sensible about money, while others are not.
08 January 2009, 10:20 AM
#33
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But I have a friend who with his girlfriend who worked so hard to put down £20,000 on a £140,000 house.Both have good jobs with banks,don't drive flash cars etc.
They still had to borrow over a 30 year term to afford it.They have now seperated and it is just the chap really struggling to pay
Suppose that is the argument about how bad the difference between house prices/wages got but also how even sensible people can get caught including worries about his job in the banking sector(thank goodness he seems ok though).
They still had to borrow over a 30 year term to afford it.They have now seperated and it is just the chap really struggling to pay
Suppose that is the argument about how bad the difference between house prices/wages got but also how even sensible people can get caught including worries about his job in the banking sector(thank goodness he seems ok though).
08 January 2009, 11:36 AM
#34
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I have to say that I cant help feeling sorry for anyone who is being evicted. I dont care if I am called soft because of that.
Its a terrible thing to happen, even if they do spend that much on smoking. Surely a lot of the problem has been caused by greedy banks allowing hugely excessive mortgages against smaller incomes. Too easy for some to get sucked in.
Les
Its a terrible thing to happen, even if they do spend that much on smoking. Surely a lot of the problem has been caused by greedy banks allowing hugely excessive mortgages against smaller incomes. Too easy for some to get sucked in.
Les
08 January 2009, 11:51 AM
#35
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I've been doing insolvency and recovery work for years. Its mostly corporate now, but knowing the market inside out, the number of people who find themselves in serious financial difficulty through genuine reasons outwith their direct influence and control (for example unforseen redundancy, loss or illness) is very much the minority.
Stupdity plays a major part, it has to be said, as does the have now, pay later culture we seem to be living in, in many, many cases. First time buyers wanting detached houses, new cars, big Tv's and all the toys. All financed to the hilt. Or the big ***/booze habits costing £100's per month. In those cases, sorry, but I have no sympathy either.
We will, unfortunately, see many more through loss of jobs as employers fail. You certainly can't blame the individuals concerned for that, although the switched on may have redundancy cover and other contingency plans where possible.
Its not as if this downturn was a surprise, after all.
08 January 2009, 12:06 PM
#36
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While it is sad for people to be evicted ( when I was a young boy my family was evicted so I know what they are going through), I dont find myself feeling sorry for the people who cant afford what they have brought.
House prices went stupid and everyone wanted to buy one with huge mortgages. Now the bubble is deflating these people want to blame others for their costly mistakes.
I'm not claiming to be better than everyone else, ive made my mistakes and the only person who paid for it was me. What I didnt do was blame other people. It wasnt the banks fault or the credit card company or the loan company, it was ME.
Sometimes people just need to take stock of how they got them selves into the mess and realise that it is themselves who are to blame no one else.
House prices went stupid and everyone wanted to buy one with huge mortgages. Now the bubble is deflating these people want to blame others for their costly mistakes.
I'm not claiming to be better than everyone else, ive made my mistakes and the only person who paid for it was me. What I didnt do was blame other people. It wasnt the banks fault or the credit card company or the loan company, it was ME.
Sometimes people just need to take stock of how they got them selves into the mess and realise that it is themselves who are to blame no one else.
08 January 2009, 02:33 PM
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I have read this topic through and decided (probably foolishly) that I'll make one post and one only on this subject.
As some remember, and some love to re-inform me, myself and my lovely partner of nearly 5 years are in a financially tight situation. I didn't watch the program as I had no interest in it. The folk that are in their situations I do feel sorry for, but on different levels. Those that have been silly with money like the remortgaging of a £40k house to £150k; yes I feel sorry for them but in the way of financial naivety. Then those that have been hit with a genuine bad decks of cards, the sympathy is just that, genuine hard luck.
Me, I personally wish that when I was working and earning a repectable wage (only circa £20k a year) I had saved a chunk or at least opened up a savings account. I didn't and thus me and my partner have no savings - simple as.
Now my situation is even with the little bit of benefit I have coming in (£75 a week Incapacity Benefit), I still have a monthly shortfall of about £150-200. This is after I went to the Citizens Advice Bureau and drew up a list of bills and sorting them into priority and secondary debts. For those that don't know priority is things like mortgage, council tax, gas, electric food etc. My secondary debts luckily are one personal loan and one credit card. So in my situation I have probably 2 CCJ's to look forward too at worst.
Anywho, I don't smoke, and don't drink any more. Me and Natalie have become very stringent with whatever money we bring in. I do my best (while obviously looking for work/training/funding) do make up the shortfall with my drawings, as and when I can physically do them. Now if after this we are still short, it's simple, the mortgage and council tax are the ones we WILL NOT miss. If this means buying £10 electric and not £15, so be it. A concession is made and the TV stays off. We go for a walk or go use someone elses TV instead
. Or we will spend £70 on 2 weeks worth of shopping instead of the usual £80 we budget for. We eat less or miss a meal/go to an inlaws.
Things like this that we have done and become accustomed to have built up and kept us afloat. If I can walk somewhere instead of driving, I'll do it, it saves a few pence on petrol. Everything adds up and it's something we will continue to do until I get a break and get work. The thing which annoys me (and I maybe have a little slack to say this), are those folk who sit there complaining, while taking a drag on another cigarette, or taking a sip from their beer/glass of wine. That winds me up, but then more fool them and the naivety sympathy comes into play as mentioned earlier.
Anywho, sorry for the long post, but I felt I had something constructive to add to the thread "from the other side" of the bread line so to speak. I won't add anything more to the thread.
Regards
Andy
As some remember, and some love to re-inform me, myself and my lovely partner of nearly 5 years are in a financially tight situation. I didn't watch the program as I had no interest in it. The folk that are in their situations I do feel sorry for, but on different levels. Those that have been silly with money like the remortgaging of a £40k house to £150k; yes I feel sorry for them but in the way of financial naivety. Then those that have been hit with a genuine bad decks of cards, the sympathy is just that, genuine hard luck.
Me, I personally wish that when I was working and earning a repectable wage (only circa £20k a year) I had saved a chunk or at least opened up a savings account. I didn't and thus me and my partner have no savings - simple as.
Now my situation is even with the little bit of benefit I have coming in (£75 a week Incapacity Benefit), I still have a monthly shortfall of about £150-200. This is after I went to the Citizens Advice Bureau and drew up a list of bills and sorting them into priority and secondary debts. For those that don't know priority is things like mortgage, council tax, gas, electric food etc. My secondary debts luckily are one personal loan and one credit card. So in my situation I have probably 2 CCJ's to look forward too at worst.
Anywho, I don't smoke, and don't drink any more. Me and Natalie have become very stringent with whatever money we bring in. I do my best (while obviously looking for work/training/funding) do make up the shortfall with my drawings, as and when I can physically do them. Now if after this we are still short, it's simple, the mortgage and council tax are the ones we WILL NOT miss. If this means buying £10 electric and not £15, so be it. A concession is made and the TV stays off. We go for a walk or go use someone elses TV instead
. Or we will spend £70 on 2 weeks worth of shopping instead of the usual £80 we budget for. We eat less or miss a meal/go to an inlaws.Things like this that we have done and become accustomed to have built up and kept us afloat. If I can walk somewhere instead of driving, I'll do it, it saves a few pence on petrol. Everything adds up and it's something we will continue to do until I get a break and get work. The thing which annoys me (and I maybe have a little slack to say this), are those folk who sit there complaining, while taking a drag on another cigarette, or taking a sip from their beer/glass of wine. That winds me up, but then more fool them and the naivety sympathy comes into play as mentioned earlier.
Anywho, sorry for the long post, but I felt I had something constructive to add to the thread "from the other side" of the bread line so to speak. I won't add anything more to the thread.
Regards
Andy
08 January 2009, 02:55 PM
#38
I have read this topic through and decided (probably foolishly) that I'll make one post and one only on this subject.
As some remember, and some love to re-inform me, myself and my lovely partner of nearly 5 years are in a financially tight situation. I didn't watch the program as I had no interest in it. The folk that are in their situations I do feel sorry for, but on different levels. Those that have been silly with money like the remortgaging of a £40k house to £150k; yes I feel sorry for them but in the way of financial naivety. Then those that have been hit with a genuine bad decks of cards, the sympathy is just that, genuine hard luck.
Me, I personally wish that when I was working and earning a repectable wage (only circa £20k a year) I had saved a chunk or at least opened up a savings account. I didn't and thus me and my partner have no savings - simple as.
Now my situation is even with the little bit of benefit I have coming in (£75 a week Incapacity Benefit), I still have a monthly shortfall of about £150-200. This is after I went to the Citizens Advice Bureau and drew up a list of bills and sorting them into priority and secondary debts. For those that don't know priority is things like mortgage, council tax, gas, electric food etc. My secondary debts luckily are one personal loan and one credit card. So in my situation I have probably 2 CCJ's to look forward too at worst.
Anywho, I don't smoke, and don't drink any more. Me and Natalie have become very stringent with whatever money we bring in. I do my best (while obviously looking for work/training/funding) do make up the shortfall with my drawings, as and when I can physically do them. Now if after this we are still short, it's simple, the mortgage and council tax are the ones we WILL NOT miss. If this means buying £10 electric and not £15, so be it. A concession is made and the TV stays off. We go for a walk or go use someone elses TV instead . Or we will spend £70 on 2 weeks worth of shopping instead of the usual £80 we budget for. We eat less or miss a meal/go to an inlaws.
Things like this that we have done and become accustomed to have built up and kept us afloat. If I can walk somewhere instead of driving, I'll do it, it saves a few pence on petrol. Everything adds up and it's something we will continue to do until I get a break and get work. The thing which annoys me (and I maybe have a little slack to say this), are those folk who sit there complaining, while taking a drag on another cigarette, or taking a sip from their beer/glass of wine. That winds me up, but then more fool them and the naivety sympathy comes into play as mentioned earlier.
Anywho, sorry for the long post, but I felt I had something constructive to add to the thread "from the other side" of the bread line so to speak. I won't add anything more to the thread.
Regards
Andy
As some remember, and some love to re-inform me, myself and my lovely partner of nearly 5 years are in a financially tight situation. I didn't watch the program as I had no interest in it. The folk that are in their situations I do feel sorry for, but on different levels. Those that have been silly with money like the remortgaging of a £40k house to £150k; yes I feel sorry for them but in the way of financial naivety. Then those that have been hit with a genuine bad decks of cards, the sympathy is just that, genuine hard luck.
Me, I personally wish that when I was working and earning a repectable wage (only circa £20k a year) I had saved a chunk or at least opened up a savings account. I didn't and thus me and my partner have no savings - simple as.
Now my situation is even with the little bit of benefit I have coming in (£75 a week Incapacity Benefit), I still have a monthly shortfall of about £150-200. This is after I went to the Citizens Advice Bureau and drew up a list of bills and sorting them into priority and secondary debts. For those that don't know priority is things like mortgage, council tax, gas, electric food etc. My secondary debts luckily are one personal loan and one credit card. So in my situation I have probably 2 CCJ's to look forward too at worst.
Anywho, I don't smoke, and don't drink any more. Me and Natalie have become very stringent with whatever money we bring in. I do my best (while obviously looking for work/training/funding) do make up the shortfall with my drawings, as and when I can physically do them. Now if after this we are still short, it's simple, the mortgage and council tax are the ones we WILL NOT miss. If this means buying £10 electric and not £15, so be it. A concession is made and the TV stays off. We go for a walk or go use someone elses TV instead
. Or we will spend £70 on 2 weeks worth of shopping instead of the usual £80 we budget for. We eat less or miss a meal/go to an inlaws.Things like this that we have done and become accustomed to have built up and kept us afloat. If I can walk somewhere instead of driving, I'll do it, it saves a few pence on petrol. Everything adds up and it's something we will continue to do until I get a break and get work. The thing which annoys me (and I maybe have a little slack to say this), are those folk who sit there complaining, while taking a drag on another cigarette, or taking a sip from their beer/glass of wine. That winds me up, but then more fool them and the naivety sympathy comes into play as mentioned earlier.
Anywho, sorry for the long post, but I felt I had something constructive to add to the thread "from the other side" of the bread line so to speak. I won't add anything more to the thread.
Regards
Andy
As for the post ,I would not wish this on anyone .If it happens you have just got to start again ,a little wiser hopefully .
08 January 2009, 03:06 PM
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I have read this topic through and decided (probably foolishly) that I'll make one post and one only on this subject.
As some remember, and some love to re-inform me, myself and my lovely partner of nearly 5 years are in a financially tight situation. I didn't watch the program as I had no interest in it. The folk that are in their situations I do feel sorry for, but on different levels. Those that have been silly with money like the remortgaging of a £40k house to £150k; yes I feel sorry for them but in the way of financial naivety. Then those that have been hit with a genuine bad decks of cards, the sympathy is just that, genuine hard luck.
Me, I personally wish that when I was working and earning a repectable wage (only circa £20k a year) I had saved a chunk or at least opened up a savings account. I didn't and thus me and my partner have no savings - simple as.
Now my situation is even with the little bit of benefit I have coming in (£75 a week Incapacity Benefit), I still have a monthly shortfall of about £150-200. This is after I went to the Citizens Advice Bureau and drew up a list of bills and sorting them into priority and secondary debts. For those that don't know priority is things like mortgage, council tax, gas, electric food etc. My secondary debts luckily are one personal loan and one credit card. So in my situation I have probably 2 CCJ's to look forward too at worst.
Anywho, I don't smoke, and don't drink any more. Me and Natalie have become very stringent with whatever money we bring in. I do my best (while obviously looking for work/training/funding) do make up the shortfall with my drawings, as and when I can physically do them. Now if after this we are still short, it's simple, the mortgage and council tax are the ones we WILL NOT miss. If this means buying £10 electric and not £15, so be it. A concession is made and the TV stays off. We go for a walk or go use someone elses TV instead . Or we will spend £70 on 2 weeks worth of shopping instead of the usual £80 we budget for. We eat less or miss a meal/go to an inlaws.
Things like this that we have done and become accustomed to have built up and kept us afloat. If I can walk somewhere instead of driving, I'll do it, it saves a few pence on petrol. Everything adds up and it's something we will continue to do until I get a break and get work. The thing which annoys me (and I maybe have a little slack to say this), are those folk who sit there complaining, while taking a drag on another cigarette, or taking a sip from their beer/glass of wine. That winds me up, but then more fool them and the naivety sympathy comes into play as mentioned earlier.
Anywho, sorry for the long post, but I felt I had something constructive to add to the thread "from the other side" of the bread line so to speak. I won't add anything more to the thread.
Regards
Andy
As some remember, and some love to re-inform me, myself and my lovely partner of nearly 5 years are in a financially tight situation. I didn't watch the program as I had no interest in it. The folk that are in their situations I do feel sorry for, but on different levels. Those that have been silly with money like the remortgaging of a £40k house to £150k; yes I feel sorry for them but in the way of financial naivety. Then those that have been hit with a genuine bad decks of cards, the sympathy is just that, genuine hard luck.
Me, I personally wish that when I was working and earning a repectable wage (only circa £20k a year) I had saved a chunk or at least opened up a savings account. I didn't and thus me and my partner have no savings - simple as.
Now my situation is even with the little bit of benefit I have coming in (£75 a week Incapacity Benefit), I still have a monthly shortfall of about £150-200. This is after I went to the Citizens Advice Bureau and drew up a list of bills and sorting them into priority and secondary debts. For those that don't know priority is things like mortgage, council tax, gas, electric food etc. My secondary debts luckily are one personal loan and one credit card. So in my situation I have probably 2 CCJ's to look forward too at worst.
Anywho, I don't smoke, and don't drink any more. Me and Natalie have become very stringent with whatever money we bring in. I do my best (while obviously looking for work/training/funding) do make up the shortfall with my drawings, as and when I can physically do them. Now if after this we are still short, it's simple, the mortgage and council tax are the ones we WILL NOT miss. If this means buying £10 electric and not £15, so be it. A concession is made and the TV stays off. We go for a walk or go use someone elses TV instead
. Or we will spend £70 on 2 weeks worth of shopping instead of the usual £80 we budget for. We eat less or miss a meal/go to an inlaws.Things like this that we have done and become accustomed to have built up and kept us afloat. If I can walk somewhere instead of driving, I'll do it, it saves a few pence on petrol. Everything adds up and it's something we will continue to do until I get a break and get work. The thing which annoys me (and I maybe have a little slack to say this), are those folk who sit there complaining, while taking a drag on another cigarette, or taking a sip from their beer/glass of wine. That winds me up, but then more fool them and the naivety sympathy comes into play as mentioned earlier.
Anywho, sorry for the long post, but I felt I had something constructive to add to the thread "from the other side" of the bread line so to speak. I won't add anything more to the thread.
Regards
Andy
08 January 2009, 07:02 PM
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I was in debt in 1980-1982 ..... the toilet froze over as we couldn't afford to heat the house, the water froze solid - we had one single fire in the lounge, which had a back boiler;I could not afford the coal to put on it!
We had metal windows which were as breezy as having no windows at all, the temp. one night fell to -26 Degrees!! (The current UK lowest temperature record stands at -27.2°C in 1982) We had a hairdrier in the bed in an attempt to keep warm, there was ice on ths inside of the windows!!
In 1984 we bought our first small house, with a 95% mortgage which took half of my take home pay each and every month.
Little did I ever dream that I would be where I am now 25 years later - it's taken hard work, long hours, taining and re-training .... but there we are, it can be done.
What really gets my goat is the ciggie smoking, lager drinking, thick idiots who are milking the system and giving absolutely ZERO back!!
We had metal windows which were as breezy as having no windows at all, the temp. one night fell to -26 Degrees!! (The current UK lowest temperature record stands at -27.2°C in 1982) We had a hairdrier in the bed in an attempt to keep warm, there was ice on ths inside of the windows!!
In 1984 we bought our first small house, with a 95% mortgage which took half of my take home pay each and every month.
Little did I ever dream that I would be where I am now 25 years later - it's taken hard work, long hours, taining and re-training .... but there we are, it can be done.
What really gets my goat is the ciggie smoking, lager drinking, thick idiots who are milking the system and giving absolutely ZERO back!!
Last edited by SunnySideUp; 08 January 2009 at 07:21 PM.
08 January 2009, 07:25 PM
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08 January 2009, 07:44 PM
#43
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I watched this and the missus was saying "Awww I hope this never happens to us"...
I thought - There's one fella who kind of buys crap cars and kinda sells them at a kind a profit who's wife doesnt work and cant afford a mortgage. I'm thinking - it's a hobby man - get a proper day job doing anything minimum wage to bring in some money and you can still go to your auctions (as they are usually evening affairs" and sell your cars when you can and tell your split to get a job 'n' all.
Then there is self employed mortgage man - and the army of kids. Fair play his split got a job to keep the money coming in and they went off and rented - good efforts all round and a feeling of bad luck and their sensible realism left me feeling a tad sorry for them.
Then the couple who lived in the princesses garden - To be fair, he was working his mamms off to pay the bills. His wifes contribution? A car boot sale and extra large knickers for her and her daughter. He must really love his wife...
So I said to my wife - no love - we borrowed sensibly, both work full time and with much gusto. We would be prepared to take on second jobs, would be prepared to do ANYTHING (except cottaging) to pay the bills - so we wont end up like them... Bless 'em.
I thought - There's one fella who kind of buys crap cars and kinda sells them at a kind a profit who's wife doesnt work and cant afford a mortgage. I'm thinking - it's a hobby man - get a proper day job doing anything minimum wage to bring in some money and you can still go to your auctions (as they are usually evening affairs" and sell your cars when you can and tell your split to get a job 'n' all.
Then there is self employed mortgage man - and the army of kids. Fair play his split got a job to keep the money coming in and they went off and rented - good efforts all round and a feeling of bad luck and their sensible realism left me feeling a tad sorry for them.
Then the couple who lived in the princesses garden - To be fair, he was working his mamms off to pay the bills. His wifes contribution? A car boot sale and extra large knickers for her and her daughter. He must really love his wife...
So I said to my wife - no love - we borrowed sensibly, both work full time and with much gusto. We would be prepared to take on second jobs, would be prepared to do ANYTHING (except cottaging) to pay the bills - so we wont end up like them... Bless 'em.
08 January 2009, 08:32 PM
#44
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That fella had a collection of motorcross bikes and a motorhome and watched as his kids lined up toys to sell. Fair play to him though, he's working his way out of some silly choices.
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