The Coalition of Expensive Chaos

[Cheese & Biscuits]

Hey, I was a landlord. I say was because my tenant moved out after trashing the place.

We're not all greedy. I think he got good value from the £600p.c.m he paid for a 1 bed shit-tip of a flat.

 

[Alty]

Hey, I was a landlord. I say was because my tenant moved out after trashing the place.

We're not all greedy. I think he got good value from the £600p.c.m he paid for a 1 bed shit-tip of a flat.

As the payer of £1400 pcm I would like to declare that your tenant didn't know he was born.

 

[Cheese & Biscuits]

As the payer of £1400 pcm I would like to declare that your tenant didn't know he was born.

Not for a 1 bed flat, surely? I have a mortgage on a 3 bed house that's £700 a month!

 

[AFCB_Mark]

So, Gideons plan is now to attack those claiming housing benefit instead of those claiming tax credits.

You know, those people who have to have their sky high rent subsidised by the government so that greedy landlords can make more money.

Build more council houses, for fucks sake!

Except every time anyone tries to build social housing anywhere, an army of NIMBYs comes out and get their knickers in a twist.

 

[Dave-Vale]

Hey, I was a landlord. I say was because my tenant moved out after trashing the place.

We're not all greedy. I think he got good value from the £600p.c.m he paid for a 1 bed shit-tip of a flat.

Not all. But there are a number who profit from abusing the system.

£600 a month would get a 3 bed new build house in a nicer area up here. £1400 a month would get you a mansion. And I'm not exaggerating.

 

[Aber gas]

Except every time anyone tries to build social housing anywhere, an army of NIMBYs comes out and get their knickers in a twist.

New homes might not be necessary

 

[sl1k]

I'm payin £1087pcm for a 1 bed apartment with the market value at 1150-1200. My landlord isn't a c*** in that sense, he froze the rent from the first tenancy greement but it is still a ludicrous amount of money. Not to mention more than a hundred quid a month of council tax!

 

[Cheese & Biscuits]

I'm payin £1087pcm for a 1 bed apartment with the market value at 1150-1200. My landlord isn't a c*** in that sense, he froze the rent from the first tenancy greement but it is still a ludicrous amount of money. Not to mention more than a hundred quid a month of council tax!

I held the rent for 3 years and only increased it by 25 in the fourth year. I was an "accidental landlord" in as much I didn't buy it to let it, I lived there for a number of years but moved because of the the wife's work. I needed to let it out as I was in negative equity so couldn't sell it. Having a tenant was always the main thing so I never pushed for higher rent.

I'll be glad to get rid of the bloody thing. Should be exchanging soon!!

 

[sl1k]

I held the rent for 3 years and only increased it by 25 in the fourth year. I was an "accidental landlord" in as much I didn't buy it to let it, I lived there for a number of years but moved because of the the wife's work. I needed to let it out as I was in negative equity so couldn't sell it. Having a tenant was always the main thing so I never pushed for higher rent.

I'll be glad to get rid of the bloody thing. Should be exchanging soon!!

You're a diamond mate. I wonder if you'd do the same at my particular location though, it's gated off public spaces with a communal garden area, a whole one minute walk from the train station and well connected bus stops, 5 minutes walk from a big tesco and decent green spaces (relative to London), 3-5 minutes walk from the local primary schools and a secondary school. Never a shortage of tennants.

The prices to buy are at 200-250k+ for one beds!!

 

[Alty]

Not for a 1 bed flat, surely? I have a mortgage on a 3 bed house that's £700 a month!

Yup. It includes council tax and bills tbf, so perhaps it's the equivalent of £1200 under normal circumstances, but finding anywhere livable within reasonable commute of Westminster means paying £1000 minimum as far as I can see.

Thank you very much London-obsessed consecutive governments. Literally impossible for me to buy a house because I'm not on a six figure salary and my parents aren't loaded.

 

[Cheese & Biscuits]

Yup. It includes council tax and bills tbf, so perhaps it's the equivalent of £1200 under normal circumstances, but finding anywhere livable within reasonable commute of Westminster means paying £1000 minimum as far as I can see.

Thank you very much London-obsessed consecutive governments. Literally impossible for me to buy a house because I'm not on a six figure salary and my parents aren't loaded.

I suppose that's the choice. My commuting costs are probably around £600 a month so add that on to the mortgage and it's not that different (other than the size of the property, obviously). Even though I hate the commute, I think I'd rather that than live in a flat again.

 

[Abertawe]

Stop moaning, your wage compensates, London plebs...

 

[Veggie Legs]

No it doesn't. Only Oxford is more expensive, relative to average earnings. http://www.telegraph.co.uk/finance/...ns-most-unaffordable-spot-its-not-London.html

 

[mnb089mnb]

Stop moaning, your wage compensates, London plebs...

You also get to live near London.

But yeah, a lot of your money gets wasted on rent.

 

[Stevencc]

You're a diamond mate. I wonder if you'd do the same at my particular location though, it's gated off public spaces with a communal garden area, a whole one minute walk from the train station and well connected bus stops, 5 minutes walk from a big tesco and decent green spaces (relative to London), 3-5 minutes walk from the local primary schools and a secondary school. Never a shortage of tennants.

The prices to buy are at 200-250k+ for one beds!!

That sounds a bit like where I'm living. London, gated, communal garden (complete with chavvy kids hopping over the wall most evenings), 5 minute walk from the nearest tube, two or three supermarkets even closer than that, bus stops etc etc. Just sold our one bed for £330k (others have gone for more than that) and have bought a three bed house on the south coast for less money. This isn't even a particularly nice area of London either.

It's crazy.

 

[Abertawe]

I could transfer down to fackin larndan and my basic would rise by 10k. Just done some quick mathematics, my disposable cheddar after rent would equate to the same as it is now.

London plebs also complain about rush hour. I missed a tube by a matter of seconds once, I was cursing, only for another tube to arrive 2 minutes later. Had the same occurred in Manchester I'd have been waiting at least 15 minutes.

The Tories conference just gone meant I was stranded in town for 3 freakin hours after a full days work. That wouldn't happen in London. Complainers the lot of em.

 

[sl1k]

That sounds a bit like where I'm living. London, gated, communal garden (complete with chavvy kids hopping over the wall most evenings), 5 minute walk from the nearest tube, two or three supermarkets even closer than that, bus stops etc etc. Just sold our one bed for £330k (others have gone for more than that) and have bought a three bed house on the south coast for less money. This isn't even a particularly nice area of London either.

It's crazy.

Yeah, it's never complete without a few local hoodlums that climb over for a place to smoke their joint

A quarter to a third of a mill for a bloody one bed, you'd think the shitters down here are made of gold!

 

[Alty]

I could transfer down to fackin larndan and my basic would rise by 10k. Just done some quick mathematics, my disposable cheddar after rent would equate to the same as it is now.

London plebs also complain about rush hour. I missed a tube by a matter of seconds once, I was cursing, only for another tube to arrive 2 minutes later. Had the same occurred in Manchester I'd have been waiting at least 15 minutes.

The Tories conference just gone meant I was stranded in town for 3 freakin hours after a full days work. That wouldn't happen in London. Complainers the lot of em.

The reaction to tube strikes is a good example of this. It's always absolutely pathetic. You'd think people were in the midst of a nuclear stike the way they whine about it. Londoners do come across as right mard arses sometimes.

However, the living cost thing...yeah, that's totally justified. It's fucking bonkers. Average age of a first time buyer without parental assistance is nearly 50. Totally unsustainable and from what I've seen house prices continue to rise quicker than wages.

 

[Abertawe]

I don't understand why were so steadfast to "own" property in this country anyway. It's a very British obsession.

 

[mnb089mnb]

I don't understand why were so steadfast to "own" property in this country anyway. It's a very British obsession.

Because it increases in value very quickly, and you can make a lot of money out of it.

 

[Alty]

Because it increases in value very quickly, and you can make a lot of money out of it.

And because moving house is a fucking ball ache, and very expensive, and you're always at risk of being given notice and turfed out if you're renting.

 

[silkyman]

I don't understand why were so steadfast to "own" property in this country anyway. It's a very British obsession.

Because of you buy, you shell out £X month for 25 years, it's yours. If you rent, you have to keep on paying.

And you can upgrade as you go on. After 10 years in our first property, we'd built up enough equity to need a much smaller % on our current place. There's a house on our street that is up for rent, and it's up for about twice what we pay on the mortgage every month.

If we'd rented from the off rather than buying, we couldn't afford to live here.

 

[smat]

Yup. It includes council tax and bills tbf, so perhaps it's the equivalent of £1200 under normal circumstances, but finding anywhere livable within reasonable commute of Westminster means paying £1000 minimum as far as I can see.

Get a boat

London plebs also complain about rush hour. I missed a tube by a matter of seconds once, I was cursing, only for another tube to arrive 2 minutes later. Had the same occurred in Manchester I'd have been waiting at least 15 minutes.

The tube is fantastic. Playing sardines at rush hour is pretty awful (and it doesn't matter if you can wait for the next tube or not, it's still going to be a squeeze), but it's a great service.

 

[silkyman]

I'd hate to live in London, to be honest. Apart from the cost of living shit and insane house prices. I've done work down there and one meeting in particular always sticks out. It was a 9.00am one, so a reasonable facimile of usual rush hour, in July.

So you get up, have a shower, put on your best suit, shine your shoes, etc.

Then spend 20 minutes on the tube and you're covered in sweat (from several sources), you've had coffee tipped down your jacket, some c*** has stepped dogshit on your shoes.

Fuck.

That.

Noise.

 

[Abertawe]

Some poor souls can't even get onto trains here such is the packedness. We get like three carriages, three.

Some short bald pleb nearly incurred the wrath of Abertawe last week. Packed carriage, I was strategically placed by the doors. He started crying that I was pushing him, effing & blinding he was (I used my skills so that a fit girl could get on) so I asked him where we were and let him know that we could go. He replied with "nuff said"

Warra story.

 

[Techno Natch]

I don't understand why were so steadfast to "own" property in this country anyway. It's a very British obsession.

Agree with that. I've always rented but it suits my lifestyle. If something breaks they fix it and if I want to bugger off and leave I can do it quickly. I know they can do the same but there are lots of places going all the time. Getting into debt for 25 years doesn't sound that appealing to me and buy the time I can enjoy that money my best years are gone.

I also love London. It gets a lot of bad press and it's become fashionable to criticise it these days but if we come back to England after we go on our travels then I'd try to move there.

To keep it slightly on topic the government could do more to protect private renters especially as so many people cant afford to buy a house anyway.

Also they are still utter dicks.

 

[The Paranoid Pineapple]

Some poor souls can't even get onto trains here such is the packedness. We get like three carriages, three.

Some short bald pleb nearly incurred the wrath of Abertawe last week. Packed carriage, I was strategically placed by the doors. He started crying that I was pushing him, effing & blinding he was (I used my skills so that a fit girl could get on) so I asked him where we were and let him know that we could go. He replied with "nuff said"

Warra story.

I've read this several times now and still haven't got a clue what it's all about...

 

[AFCB_Mark]

So the autumn spending review yesterday from Osbourne, in the end looks like a review that wouldn't have looked out of place coming from an Ed Balls Labour chancellorship. Somehow think that basing welfare policy on £20Bn in additional revenue forecast by the OBR to be a little dangerous. OBR forecasts change from quarter to quarter and it's a risk that goes against Osbourne's usual style. But it was convenient timing for Osbourne that he could do rather a U turn on the tax credits issue, and steady the Police budget, theoretically without having to find money from elsewhere. Theoretically. It washes over the complete and utter hash Osbourne made of the tax credit issue.

Somehow think we'll see Osbourne becoming less and less 'Mr Nasty' as this Parliament goes on, and the Conservative leadership election and thus potential future Prime Minstership comes up for debate. Mr Nasty would win favour in some parts of the Tories and less in others, but is less likely to be popular with the electorate. Compared with Boris, would probably offer everyone the moon on a stick including a free space hopper for all.

As for John McDonnell's Chairman Mao book stunt, that was... weird... Almost like he didn't fancy actually debating anything of substance. Totally side tracked and distracted from what was an opportunity for Labour to crow about a statement they actually got some concessions from. Also gave the Tories an easy laugh / comeback. What was going through McDonnell's head?

 

[silkyman]

Only if the numbers add up, but he knows he can just ignore it all in three years, because people will forget.

The 'little red book' moment, was a comment on Osborne's cozying up to China, which is ironic considering their constant accusations that Labour's current leadership are all a bunch of Communists. If anything it was a bit too subtle for the rowdiness of Parliament, because that message got lost. He should have just asked 'Why are you only in favour of state ownership of UK infrastructure when the state in question is China'

 

[mowgli]

That little red book stunt left me squirming, it was embarrassing what an idiot.