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REPOSSESSION - collecting info

12357

Comments

  • Dopestar - please excuse my bluntness but you seem a !!!!! of the highest order.

    Dopester is like many on here. They live a single life renting a small and affordable place or they live with their parents and pay a 'peppercorn' rent. They have no sympathy for anyone else because they simply have not the experience of real hardship.

    One day they'll get a girlfriend, have a couple of kids, get a larger house to accomodate them, realise that their salary stays the same but the demands on it go up, realise that jobs aren't quite as secure when you're over 35, realise that savings don't go so far when you have 4 mouths to feed, larger utility bills and a larger mortgage to pay and realise that comprehensive redundancy insurance that cover all outgoings and all eventualities are prohibitively expensive and usually only last 12 months.

    One day they'll grow up and realise how childish they must have 'sounded' on those financial websites when they spouted such rubbish....
    Mortgage Free in 3 Years (Apr 2007 / Currently / Δ Difference)
    [strike]● Interest Only Pt: £36,924.12 / £ - - - - 1.00 / Δ £36,923.12[/strike] - Paid off! Yay!! :)
    ● Home Extension: £48,468.07 / £44,435.42 / Δ £4032.65
    ● Repayment Part: £64,331.11 / £59,877.15 / Δ £4453.96
    Total Mortgage Debt: £149,723.30 / £104,313.57 / Δ £45,409.73
  • mizzbiz
    mizzbiz Posts: 1,434 Forumite
    Have you ever tried to claim it?

    Edit: Just read your additional text... The CAB website mentions this:
    If you are a student in full-time higher education (degree level or equivalent), you cannot usually claim Housing Benefit. However, you can claim it if you are studying part-time. If you are under 19 and on a course below degree level, you can also claim Housing Benefit (unless you have recently left care). You therefore should have qualified for assistance. I looked very hard at the rules and could't find anything about them checking qualifications or attire.

    I can only tell you my experiences as they happened and which leave you with an opinion. At the time (1999), it was a case of 'computer says no'. My school (a well regarded sixth form) wrote to them in order to help me stay in school but it was not forthcoming.

    Had I popped out a couple of sprogs before sixth form I would have had a flat, free money, free meals, free clothes. I know this because some of my contemporaries from high school did just this.

    Unfortunately, the state let me down when I needed the help most. I've paid more than quadruple what I asked for in taxes alone since then. I'm glad people who need it are getting the help they need, as chucky indicated, but it is really (or was really) not available to everyone who needed it at the time, regardless of what the rules say.

    A good friend of mine struggled to get a job immediately after university. After their savings had run out, they finally gave up and went to see if they could get JSA help. Guess what, after the hassle and discrimination beacuse she had a degree she gave up and had to borrow from friends and family until she managed to get something. This was 2005....
    I'll have some cheese please, bob.
  • mizzbiz wrote: »
    I can only tell you my experiences as they happened and which leave you with an opinion. At the time (1999), it was a case of 'computer says no'. My school (a well regarded sixth form) wrote to them in order to help me stay in school but it was not forthcoming.

    Had I popped out a couple of sprogs before sixth form I would have had a flat, free money, free meals, free clothes. I know this because some of my contemporaries from high school did just this.

    Unfortunately, the state let me down when I needed the help most. I've paid more than quadruple what I asked for in taxes alone since then. I'm glad people who need it are getting the help they need, as chucky indicated, but it is really (or was really) not available to everyone who needed it at the time, regardless of what the rules say.

    A good friend of mine struggled to get a job immediately after university. After their savings had run out, they finally gave up and went to see if they could get JSA help. Guess what, after the hassle and discrimination beacuse she had a degree she gave up and had to borrow from friends and family until she managed to get something. This was 2005....

    Maybe it was a good thing that they refused to let you have a free flat at age 16/17. It might have been the case that you'd never have gotten a job and would have been content to take from a welfare system that you had never actually paid into?

    Besides, you could have put away your tenage tantrum and moved back in with your folks.
    Mortgage Free in 3 Years (Apr 2007 / Currently / Δ Difference)
    [strike]● Interest Only Pt: £36,924.12 / £ - - - - 1.00 / Δ £36,923.12[/strike] - Paid off! Yay!! :)
    ● Home Extension: £48,468.07 / £44,435.42 / Δ £4032.65
    ● Repayment Part: £64,331.11 / £59,877.15 / Δ £4453.96
    Total Mortgage Debt: £149,723.30 / £104,313.57 / Δ £45,409.73
  • mizzbiz
    mizzbiz Posts: 1,434 Forumite
    Maybe it was a good thing that they refused to let you have a free flat at age 16/17. It might have been the case that you'd never have gotten a job and would have been content to take from a welfare system that you had never actually paid into?

    I never asked for a free flat. I lived in a rented room in a student house and I asked for the money in order to stay in school. However, for those who wanted to live the life you describe above, rather than improve themselves, the free flat etc was there for the taking.

    I needed help, not a handout. In fact, I was so motivated (at 18), to avoid the lifestyle you describe, that I lived on around five pound a week after bills and transport to work and school. This meant a cheap can of chopped tomatoes on top of smart price pasta almost every day (apart from the free chinese food I got from work) for a year. Them helping me pay for a roof over my head when I earned so little and was in school full time is not really that much to ask when I look around me and see people on benefits with 40" plasma tv's and their kids in Burberry coats.
    I'll have some cheese please, bob.
  • mizzbiz
    mizzbiz Posts: 1,434 Forumite

    Besides, you could have put away your tenage tantrum and moved back in with your folks.

    Could I? Are you sure about that?

    Thought not.
    I'll have some cheese please, bob.
  • mizzbiz wrote: »
    Could I? Are you sure about that?

    Thought not.

    Just giving you a taste of your own 'generalising' medicine. How does that taste?
    Mortgage Free in 3 Years (Apr 2007 / Currently / Δ Difference)
    [strike]● Interest Only Pt: £36,924.12 / £ - - - - 1.00 / Δ £36,923.12[/strike] - Paid off! Yay!! :)
    ● Home Extension: £48,468.07 / £44,435.42 / Δ £4032.65
    ● Repayment Part: £64,331.11 / £59,877.15 / Δ £4453.96
    Total Mortgage Debt: £149,723.30 / £104,313.57 / Δ £45,409.73
  • dopester
    dopester Posts: 4,890 Forumite
    Dopestar - please excuse my bluntness but you seem a !!!!! of the highest order.

    Well if you expect me and other young people to pay quarter million pounds for a basic Northern slavebox apartment - you are the ****. You want us in debt slavery as you lord around in your HPI properties and MEW-ed Audis and your fancy holidays over the years.

    Nevermind... the young will forever get in to more debt to support it all for you.
  • mizzbiz
    mizzbiz Posts: 1,434 Forumite
    Just giving you a taste of your own 'generalising' medicine. How does that taste?

    Tastes alright... but that's because i'm not a sad , middle aged, repressed bloke with nothing better to do than teach people a lesson on an anonymous forum.
    I'll have some cheese please, bob.
  • dopester wrote: »
    Well if you expect me and other young people to pay quarter million pounds for a basic Northern slavebox apartment - you are the ****. You want us in debt slavery as you lord around in your HPI properties and MEW-ed Audis and your fancy holidays over the years.

    Nevermind... the young will forever get in to more debt to support it all for you.

    Dopester, do you talk in cliche's in real life too?

    Do you actually believe any/all of this rubbish?
    Mortgage Free in 3 Years (Apr 2007 / Currently / Δ Difference)
    [strike]● Interest Only Pt: £36,924.12 / £ - - - - 1.00 / Δ £36,923.12[/strike] - Paid off! Yay!! :)
    ● Home Extension: £48,468.07 / £44,435.42 / Δ £4032.65
    ● Repayment Part: £64,331.11 / £59,877.15 / Δ £4453.96
    Total Mortgage Debt: £149,723.30 / £104,313.57 / Δ £45,409.73
  • mizzbiz wrote: »
    Tastes alright... but that's because i'm not a sad , middle aged, repressed bloke with nothing better to do than teach people a lesson on an anonymous forum.

    lol, I can almost see the stroppy teenager who stormed out of their home at 17 and expected the poor old tax payer to foot the bill. :rotfl:

    p.s. given your response, I reckon my medicine tasted rather bitter. :(
    Mortgage Free in 3 Years (Apr 2007 / Currently / Δ Difference)
    [strike]● Interest Only Pt: £36,924.12 / £ - - - - 1.00 / Δ £36,923.12[/strike] - Paid off! Yay!! :)
    ● Home Extension: £48,468.07 / £44,435.42 / Δ £4032.65
    ● Repayment Part: £64,331.11 / £59,877.15 / Δ £4453.96
    Total Mortgage Debt: £149,723.30 / £104,313.57 / Δ £45,409.73
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