HeavyHeart, EmptyPurse

Stupidspender_2

Hi halloweenqueen, just re read the original post and I don’t see anything regards HH sayings its was Petes parents house originally or about selling at market price for that matter?
But I will be the first to apologise if you can point me to that section of that post.

Nearlyrich, maybe in retrospect the opening post should have read I am 140k in debt help advise required? rather than a 1000 word explanation of why apparently none of it was her own fault!
Look, like I said before in my opinion debt can only be beat when you are honest with yourself.
That is the crux to the whole thing, taking reasonability for your actions is the first step to being debt free.
Nevertheless I take your point and will start a new thread dealing with this issue, (that should be lively).

Catseyez

Stupidspender wrote:

just re read the original post and I don’t see anything regards HH sayings its was Petes parents house originally or about selling at market price for that matter?
But I will be the first to apologise if you can point me to that section of that post.

Evening Stupid,

Post number 145 might clarify this for you.

sophiesmum_2

this is what Heavy heart said in her post;

"As for the house - Let me clarify. They were all living in a house in Manchester, which Pete's parents owned. His father wanted to raise some money (not sure what for), so his father put the house on the Market.

Pete told his father that he himself would like to buy the house, so he applied for a mortgage which he got (from Alliance and Leicester I believe), and he bought the house from his parents at the full asking price.

About a year later, Pete decided that he wanted to move out of Manchester and into a more rural part of Cheshire. He bought a house, and said that his parents could live there with him. He paid for this second house in full, and his parents never once paid anything towards the upkeep or the mortgage (although his Mum did do the cooking and cleaning while Pete was at work, to be fair).

That was the house that caused the problems. The second one. His parents (mainly his Mum) believed that because they lived in that second house, they 'surely owned part of it'.

The first house, however, was originally owned by his parents, but Pete bought it - lock stock and barrell - at the full asking price."

Stupidspender_2

Hello sophie thank you for trawling back and reposting post 145.
Now I am really confused! so according to that post, Pete owns three house's
The original family home in Manchester
The new home in Cheshire that he bought and asked his parents to move into
and the one that Pete and HH bought together?
Surly with the biggest bull run in property prices in the last 10 years the get out of jail free card is the equity in property?

Catseyez

By not pasting post number 145, I was trying to encourage you to read the thread properly rather than just the first few posts.

Truly, if you read through them all, you will get a clearer picture of HH's situation. Otherwise, you will remain confused!

Stupidspender_2

Catseyez I have posted possible solutions to HH’s plights, also I have posted advice on the law regarding state benefits and correct information on interest payment by the state on mortgages.
I also wear my heart on my sleeve by telling you all I was in serious debt.
What may I ask have you contributed to this thread or HH's problems apart from your continued puerile personal attacks on me ?

beanielou

Actually Stupidspender some of the info you posted on benefits are not correct.
Sorry to point this out.
I missed the post when you mentioned you had serious debt.

Catseyez

Stupidspender wrote:

Catseyez I have posted possible solutions to HH’s plights, also I have posted advice on the law regarding state benefits and correct information on interest payment by the state on mortgages.
I have also wear my heart on by sleeve by telling you all I was in serious debt.
What may I ask have you contributed to this thread or HH's problems apart from your continued personal attacks on me ?

I'm sorry if you felt I was 'personally attacking' you in the last two posts. That wasn't my intention. Yes, you have been making constructive suggestions but it is also clear that you haven't read the thread properly. If you did, you would probably save yourself much time rather than asking all these questions and getting second-hand snippets.

And you ask why I haven't contributed to this thread like you have? Honestly? Because I'm not qualified to, nor do I have any experience with re-mortgaging to give credible advice. I have never owned a house, never mind two! HH's level of debt is out of my league and it would be foolish for me to offer her financial advice. All I can do is empathise with HH's over-spending, reliance on her 'flexible friend' and how she is now at the end of her tether.

We are all on this board because we have one thing in common - debt, from which we want to be free. Whether it is £2,000 or £200, 000, it effects us all in the same way. Yes, we are ultimately responsible for our spending and for not succumbing to the lure of clever advertising...but it's not as simple as that. Even if it wasn't your intention, your original posts came across as very judgmental and not in the spirit of DFW members.

Stupidspender_2

Hello beanielou, sorry that I seem to have posted incorrect info on benefits, I think we should rectify that so no on gets mixed up.
Which bits need altering?
With regards my debts just look up the page to post 363!
Agreed catz we are all here for the same reason, it really personally helped me when i stopped making excuse's and started to tackle the debt head on.
Agreed this may not be a one size fits all policy but it worked for me. ;-)
Thx in advanced.

Catseyez

Stupidspender wrote:

Agreed catz we are all here for the same reason, it really personally helped me when i stopped making excuse's and started to tackle the debt head on.
Agreed this may not be a one size fits all policy but it worked for me. ;-)
Thx in advanced.

I've now started a separate thread for this discussion...