Thought Id start this one going because its rather dead on this board at the moment and I suppose all my usual muckers are either at the Stella tennis event watching Dim Tim (lose again) or at Henly Regatta eating cucumber sandwiches (they wish,...NOT).

Anyway please feel free to just talk to yourself blast away and let it go on any company or subject you wish. Just wish Id thought of this one before.

cheers GF.

thanks .... it was actually a genuine question, though i think the negative equity problem was at its worst only about 5 years ago

mortgage rates are always a bit odd or even quite often a rip off!
certainly anyone currently coming off a fixed interest deal will find their payments increased because the financial markets perception is (rightly) that interest rates will rise (by 0.25%) within the next 6/9/12 months though beyond that is too unpredictable

if the average mortgage is currently say £1,000 pm, i wonder how much of that is interest and thus how much impact a rise of 0.25% will make

43751 - i think the "grovel bet" was that rates would or would not go up before y/e ..... i actually think your prediction of before y/e is now just about fave

cyners its not what the rise will be its the fact that too many people have got themselves into debt just trying to stay up with the Jones and smiths next door.

My generation made do and mend I dare say so did yours aswel, too many now wanting and having to have the latest mobile phone the latest Tv etc etc. its barmy really theirs far more important things in life

Ones health being the main thing and surely being in debt for most of your early married life is going to be a strain make no wonder the divorce rate is so high.

Anyway bud off to watch PMqs and then a bit of gardening, Im out of the market while early sept unless we break through on the FTSE. LATERS.

No bet was before the GE.

laters.

Plod goes into action against the paedo's...I wonder how many MP's are on the list?




UK police arrest 660 suspected paedophiles

National Crime Agency detains suspected child abusers, including doctors and teachers, and takes more than 400 children into care


Josh Halliday


theguardian.com, Wednesday 16 July 2014 10.14 BST

http://www.theguardian.com/society/2014/jul/16/660-suspected-paedophiles-arrested-uk



More than 600 suspected paedophiles, including doctors and teachers, have been arrested across Britain after a six-month investigation led by the National Crime Agency.

The agency, dubbed Britain's FBI, announced on Wednesday it had arrested 660 suspected child abusers and taken more than 400 children into care in the first nationwide investigation of its kind.

Of the 660 arrested, 39 were registered sex offenders but the vast majority of suspected paedophiles were off the police's radar. Those arrested include doctors, teachers, scout leaders, care workers and former police officers.

The operation, which had remained secret until Wednesday, targeted people accessing indecent images of children online.

Phil Gormley, the NCA deputy director general, said: "This is the first time the UK has had the capability to coordinate a single targeted operation of this nature.

"Over the past six months we have seen unprecedented levels of cooperation to deliver this result."


One of those arrested and subsequently charged was a doctor who allegedly kept more than 1m images of child abuse on his computers and had arranged to meet boys.

In another case, a foster carer with no previous convictions or allegations of offending was caring for a vulnerable child when he was arrested. Four computers and one phone have been seized by police and the suspect has attempted serious self-harm, detectives said.

Answers should be very interesting.........

John Mann MP ‏@JohnMannMP 15m
Good news all my Parliamentary questions on Dickens now tabled after help from parliamentary officials. Let's see what answers I get.

43755 - lying old git :-) ...... the bet started that way, but then reality clocked in and it was moved to b4 y/e :-))

No it wasnt, Hays put his snout in and as usual qouted wrongly what I and proposed and YOU AGREED CYNIC. We both agreed before the GE, Hays was the one who said before the year end neither of us did on the acceptance of the bet.

royal mail sell off . what the government or mm not tell you ,

two of the pref buyers . are tory donors and one lib donor who sold within 8 weeks
the government must answer this question .why is ed not asking the question

camoron again losing at PMqs. Doesnt answer questions, doesnt have the brains.

Shown up over sacking of Gove.

43759 - not my recollection, but seriously unimportant :-) ...... anyway, i agree a rise b4 the GE is 20/1 on, but before y/e is pretty much an evens bet either way

You Silly Billy, that one before the GE in the bookies is the second rate rise after the first one. Hence the odds.

You Silly Little Billy.

that i certainly wouldn't reckon on ..... very long odds on 2 rate increases b4 GE

I didnt mean that.......you Silly little Billy.......they mean its the first one b4 GE but big odds because Ozzie Osbourne will put the boot into Carney if he goes ahead with their chances on the line.

You Silly little Billy.

Evictions in rental sector at highest level since records began
posted in eviction, Homeless, Housing by argotina1

The number of people forcibly evicted from their homes in England and Wales after court action, has reached the highest level since records began in 2000.

37,739 tenants of private or public housing had their homes repossessed by court bailiffs in 2013, according to the Ministry of Justice.Some 12,147 of those tenants were evicted in the three month period between October and December last year.
The Ministry of Justice attributed this to low interest rates and a “proactive approach from lenders in managing consumers in financial difficulty”. The first part of the re-possession process, landlord possession claims, reached 170,451 last year – its highest level since 2004. Meanwhile, the number of homes repossessed by mortgage lenders at the end of last year was the lowest in a decade.

53-year-old Andrew from Dover, who withheld his last name, was evicted in November last year. He told the BBC that he was given ten minutes to pack his things when bailiffs arrived at his home. He was forced to leave after work offers dried up when he was ill, leaving him and his wife to pay over £3,000 in arrears.The possessions that they were unable to pack up were left in the rain on their driveway, while the pair and their two young children had to sleep in their car for several weeks. “We’d go to McDonald’s, so the boys could brush their teeth and then go off to school,” he told the BBC. Three months later, the family now lives in a single hotel room, eating tinned food heated in warm water in the washbasin, and cooking pasta in an electric kettle. The family will run out of money to pay for the room in two nights.It is unclear whether the figures are due to a rise in the number of people renting, or if more landlords are resorting to court proceedings to deal with tenants.
“Rents have been rising at a faster rate than wages, and tenants are frequently maintaining their lifestyle on the basis of credit,” Stuart Law of the property group Assetz told the BBC. But when that credit dries up, and the unsustainable lifestyle continues, payment of rent suffers,” he added.

Campbell Robb, chief executive of Shelter, said: “Behind these figures is the reality that just one thing, like an illness or redundancy, can be all it takes to tip anyone into a downward spiral that puts their home at risk.” The charity advises tenants to prioritise rent above other debts, such as phone and credit card bills, while avoiding payday loans.

According to Shelter, the number of households in general found to be homeless increased by 5% between 2012 and 2013, amounting to 81,000 families in this period without a home.

http://www.independent.co.uk/news/uk/home-news/evictions-in-rental-sector-at-highest-level-since-records-began-9126939.html

Tories the party of the HOMELESS.

SOME BREAKING NEWS COMING THIS WILL SHOCK THE ESTABLISHMENT TO ITS VERY CORE. wow........just wait till you see this. Its still breaking as I post.

if the above chap was £3,000 in arrears, that was probably a good few months-worth + "unsustainable lifestyle"...... so boohoohoo for him, but what about the luckless landlord who will be a lot more out of pocket than just £3,000?

Not sure if its on SKY news.

Sorry Ill reply later to 43769, this breaking news , BLIMEY......SHOCKING.