Government's Mortgage Rescue

Dithering_Dad

PayDay wrote: »

You recently told us that you claimed the means tested welfare payment of Child Tax Credits, for help in keeping your children. That is "comfort and security provided by someone else" too.

lol, yes, security provided by my own taxes. :rotfl:

BACKFRMTHEEDGE

IMHO it's important to show compassion. Indeed, it's a lack of compassion that has led us into this sorry mess. If the banks had taken pity on the poor subprimers who were duped into taking horrendous mortgage products in the first place then we wouldn't be in this mess. It's not greed that got us here but a lack of compassion for our fellow man/woman.:o

dopester

Dithering_Dad wrote: »

Then why don't you live with your girlfriend? You're living within your means because you have such limited outgoings due to being with your parent and sibling.

Why do you have to share with anyone at all, why can't you take financial responsibility for your own life?

Actually, forget answering. You're young. You'll learn. Once you and your gf get serious and move out, buy a house together, have some children and you start being the head of a houshold you'll understand what I'm on about.

She divides her time between staying with me here, and also at her own parents.

Limited outgoings (although still more than I'd like) yes.

Why? Because house prices have near or more than TREBLED in 11 years in this any many other areas. Can't you understand the debt burden an FTB would be taking on?

It is not as simple as not wanting to take responsibility of life by not buying a house, it is BEING RESPONSIBLE by not buying a house at these price levels.

Just watch them crash in price. Already they've crashed some 12.5% or more in my area. That is real money. That is less I'll have to pay out and in mortgage repayments for the future.

PayDay

Dithering_Dad wrote: »

lol, yes, security provided by my own taxes. :rotfl:

Every worker pay taxes. Some take more out of the pot than others.

Regardless of how you try to make it sound, welfare is helping to keep your children. Not that I mind, if you need help, that is what welfare is there for. What I don't undersatnd is why you then attack others who live with their parents because you say they get "comfort and security provided by someone else", when you clearly receive that too

Dithering_Dad

dopester wrote: »

She divides her time between staying with me here, and also at her own parents.

Limited outgoings (although still more than I'd like) yes.

Why? Because house prices have near or more than TREBLED in 11 years in this any many other areas. Can't you understand the debt burden an FTB would be taking on?

It is not as simple as not wanting to take responsibility of life by not buying a house, it is BEING RESPONSIBLE by not buying a house at these price levels.

Just watch them crash in price. Already they've crashed some 12.5% or more in my area. That is real money. That is less I'll have to pay out and in mortgage repayments for the future.

I agree with you on house prices, but you don't need to buy a house, you could just rent one. I can understand the debt burden because when I bought my first home I was single and not on much money and struggled (and this was when house prices were affordable). I also lived with my folks while I saved a deposit - as I said, there is nothing wrongwith this and this isn't what I'm arguing about.

Being in debt or struggling financially isn't just a black and white case of 'buying a house at the peak of a boom', one could have bought a house in 1995 and still find themselves in trouble. People are often in the same boat as LIR where through no fault of their own, they become ill and cant work and so find it difficult to make ends meet. Even with savings, if the illness goes on long enough the savings are expended and then you're really in trouble.

Other people (like me) budget sensibly for having children, build up savings and then when the happy day arrives they find they have a disabled child. Suddenly the costs are much higher than budgeted, Mum can't go back to work as planned and so you get into difficulties (not everyone is lucky enough like me to work in a business where they can go contracting to bring in the cash).

Still more can lose their jobs or have their businesses go under because a creditor goes bankrupt owing them thousands. There are countless ways people can get into difficulties.

As I said at the start, there is nothing wrong with using the financial benefit of living at home or sharing with pals while you save a deposit or get your finances in shape (or both). What I feel is wrong is to criticise people who get into debt who aren't lucky enough to have this sort of financial assistance and mock them as if in some way you are better with your finances, when in reality, if you were in their situation you'd be doing just as badly.

Dithering_Dad

PayDay wrote: »

Every worker pay taxes. Some take more out of the pot than others.

Regardless of how you try to make it sound, welfare is helping to keep your children. Not that I mind, if you need help, that is what welfare is there for. What I don't undersatnd is why you then attack others who live with their parents because you say they get "comfort and security provided by someone else", when you clearly receive that too

It's quite obvious you don't have a family. Come back to me when you do and we'll talk about how you will be returning your child benefit and CTC and WTC to the revenue.

p.s. also I wasn't 'attacking others who live with their parents for security', I was attacking people who had that comfort and security and criticised those who didn't and who had gotten into financial difficulties. Naturally you knew this but chose to twist it to suit your argument, However I am happy to engage with you. Lead on MacDuff.

PayDay

Dithering_Dad wrote: »

What I feel is wrong is to criticise people who get into debt who aren't lucky enough to have this sort of financial assistance

And some fell on stony ground:rolleyes:

PayDay

Dithering_Dad wrote: »

It's quite obvious you don't have a family. Come back to me when you do and we'll talk about how you will be returning your child benefit and CTC and WTC to the revenue.

Here I am. You have already asked me that before and I have told you that I do have 2 school age children. I don't have to return any WTC or CTC as I have never applied to welfare for those benefits. WTC and CTC are means tested benefits.

Dithering_Dad

PayDay wrote: »

And some fell on stony ground:rolleyes:

It may have with you, but then some people have deep seated opinions that can never be changed. I'd no sooner try and make you more sympathetic than I would try and make a BNP member see that race is unimportant.

PayDay wrote: »

Here I am. You have already asked me that before and I have told you that I do have 2 school age children. I don't have to return any WTC or CTC as I have never applied to welfare for those benefits. WTC and CTC are means tested benefits.

What about your child benefit? That's money from the tax payer that people who don't have kids don't get. Is it right that they have to support your children?

Regardless of how you try to make it sound, welfare is helping to keep your children. Not that I mind, if you need help, that is what welfare is there for.

lostinrates

DD...to all extents and purposes I dn't think your unexpected situation with your daughter is so different to my situation with me.

The thing is, I never assumed everything would be alright....hence the fear of over extending my self, the fact that even at a young age I had a will organised and a work ethic. I have always looked to myself for help first, and thats what I think is the aim (and over generalised) here....the sense, however accurate or not..that we are a nation who looks for help from outide before giving everything we have to give of ourselves to make things work. I am not in any way shape or form suggesting there should be no state help, but I think recipients should have to, someway, meet the help halfway.

(BTW I take on board and agree with your point about mocking...)