Tragic case... "This website has failed"

Graham_Devon

RenovationMan wrote: »

I didnt think you would be able to highlight. Graham, you know that I'm not one of the many people who seem to jump on every point you make and spend hours arguing the toss with you. However if you decide to jump on one of my posts, then please do me the courtesy of responding to what I have put rather than quoting my text and then berating someone else for creating a nasty thread. I actually happen to agree with you and what you posted - that this thread was created for the purpose of mocking some poor person who took a gamble and feels he has lost out. However, by quoting my post and then ranting about the injustice just makes it look like I'm somehow involved or in agreement with the tone of the thread. That's why I am touchy about your post. You did a similar thing the last time I pulled you up about it.

That's what I meant when I said getting offended whenever things are mentioned.

I think we are on the same track, but you seem to think I'm trying to offend you, or at least take offence, and I'm compltely oblivious to any offence I've caused as I'm not meaning it in that way, only answering your question.

The last time you pulled me up about it, that time too, wasn't anything in relation to you personally, was just talking about the thread, but it was taken personally, as above.

I will refrain from quoting you in future, as I don't want to offend you, especially if I'm not intending to in the first place. Easier all round that way...hopefully!

Sibley

Why doesn't the guy buy now? Presumably he's been saving since 2004 and has a hefty deposit. Prices are much lower than in 2007 and while I believe personally that they will fall further, there is a balance to be made between moneysaving and convenience. I just bought an expensive salad from the canteen instead of being bothered to walk into town for something cheaper

Because most of these bear types haven't got any money.

They are quoting all these facts and figures they copy from websites, make out they are savers waiting in the wings etc but it's bull****.

Most are failures. Divorced people starting again, bad credit risks, bankrupts, low paid workers, lazy, single mums in council houses. The list goes on.

Because they haven't got a house for one reason or another they hope home owners will lose their place and be in the same boat as they are.

The rest are long term renters with no scope or take on how to make financial plans long term.

They live for today. Get paid, spend the lot on Special Brew then come on here bleating about people that get off their ars* and make a go of life.

They have what they deserve. Nought.

Out,_Vile_Jelly

I have to be really bored at work before I log onto hpc.

Conrad

This one by Bluloo is quite depressing and crystalises why bears should just dive in and not try and iron out every conceivable risk;


Sometimes I feel like topher bear.

fear is the driver for this situation.

5 years ago, it was fear of missing out....If I dont understand something and why its happening, I stay clear...I look, but I stay clear.

I didnt understand how mortgages were so cheap and available to people who couldnt possibly pay if anything happened to them...and by that, I mean something minor.

People on 20K in 2001 taking 180K mortgages....yes...I saw actual cases at an IFA I worked for.

I also feel sometimes the trap of the rental...although, I have always moved on after a long period of staying....the rent has risen 50% since 1992 when I first started.

I have always lived in "quality" places.....and althought we have a sum that would have bought 3 houses when we first got married, we can buy a pokey flat outright at the mo.....although that is fast changing as local SOLD prices are falling much faster than ASKING prices appear.

The trap at the mo is a poor business environment and yet still having to pay out to stay somewhere....and its galling that a colleague or two have base+.5% mortgages and pay little every month...totally galling.

Galling also is that if I cant pay my way anymore, that I wont get benefits....our savings are too high, yet, my self same colleagues have no worries...no savings and no income means the mortgage paid....for two years at least....although that may change soon.

I have friends in Local Authorities who are under constant threat of sacking...these people have taken no risks in their lives and work in a safe job....but they are stressed and now at least one cant cope with the extra workload....and has been off for stress.

The problem is that if you took the logical, safe, sensible road and thought about consequences, YOU are the one who is bolloxed up if you fail for some reason. if YOU just went ahead and joined the feeding frenzy of debt, you keep your house and you get benefits.

Sometimes I think I should have totally dropped to bottom when my business failed in 1992. However, thinking back, I have done just fine in life, live in better homes than my colleagues via renting, and my kids have had steady homes through careful choice of rental....What hasnt happened is a build up of ponzi equity.

At the end of the day, Ive worked, Ive earned, food is on the table, we as a family travelled quite a bit for holidays, and Ive done many things my homeowner colleagues and friends havent done.

Ok its hard again now...but hey....life is for living and my family has survived it all.

Thank you Great Universe for providing me with a living...that may change...but up to now....what a ride.

This post has been edited by Bloo Loo: 18 February 2011 - 09:04 AM

tara747

LittleMissAspie wrote: »

Why doesn't the guy buy now? Presumably he's been saving since 2004 and has a hefty deposit. Prices are much lower than in 2007 and while I believe personally that they will fall further, there is a balance to be made between moneysaving and convenience. I just bought an expensive salad from the canteen instead of being bothered to walk into town for something cheaper.

Exactly. I don't know about every area, but here, houses are cheaper than they were in 2004 and still falling. With all that time he's had to keep saving, you'd think he'd be in a good position now if he wants to buy. Something doesn't add up. Either he is seriously messed up or a bull in disguise. :eek:

Sibley wrote: »

It's so funny this week.
The bears are throwing the toys out of the pram.

The HPC dream is over and they know it.

LOL :rotfl:

doire_2

Sibley wrote: »

Because most of these bear types haven't got any money.

They are quoting all these facts and figures they copy from websites, make out they are savers waiting in the wings etc but it's bull****.

Most are failures. Divorced people starting again, bad credit risks, bankrupts, low paid workers, lazy, single mums in council houses. The list goes on.

Because they haven't got a house for one reason or another they hope home owners will lose their place and be in the same boat as they are.

The rest are long term renters with no scope or take on how to make financial plans long term.

They live for today. Get paid, spend the lot on Special Brew then come on here bleating about people that get off their ars* and make a go of life.

They have what they deserve. Nought.

Sibley you seem to claim to know an awful lot about peoples circumstances. This includes bears and sellers. Then again you could be hurting and talking complete nonsense

RenovationMan

Graham_Devon wrote: »

That's what I meant when I said getting offended whenever things are mentioned.

I think we are on the same track, but you seem to think I'm trying to offend you, or at least take offence, and I'm compltely oblivious to any offence I've caused as I'm not meaning it in that way, only answering your question.

The last time you pulled me up about it, that time too, wasn't anything in relation to you personally, was just talking about the thread, but it was taken personally, as above.

I will refrain from quoting you in future, as I don't want to offend you, especially if I'm not intending to in the first place. Easier all round that way...hopefully!

I dont mind you quoting me Graham if your subsequent post is something to do with what I have said. If your just talking about the thread then create a new post, rather than a 'quote post'. Its forum etiquete and it helps prevent exactly the sort of confusion and annoyance that your two posts caused.

tara747

Sibley wrote: »

Because most of these bear types haven't got any money.

They are quoting all these facts and figures they copy from websites, make out they are savers waiting in the wings etc but it's bull****.

Most are failures. Divorced people starting again, bad credit risks, bankrupts, low paid workers, lazy, single mums in council houses. The list goes on.

Because they haven't got a house for one reason or another they hope home owners will lose their place and be in the same boat as they are.

The rest are long term renters with no scope or take on how to make financial plans long term.

They live for today. Get paid, spend the lot on Special Brew then come on here bleating about people that get off their ars* and make a go of life.

They have what they deserve. Nought.

How insightful of you.

StevieJ

tara747 wrote: »

Exactly. I don't know about every area, but here, houses are cheaper than they were in 2004 and still falling. With all that time he's had to keep saving, you'd think he'd be in a good position now if he wants to buy. Something doesn't add up. Either he is seriously messed up or a bull in disguise. :eek:



LOL :rotfl:

Then again he may have been paying rent instead £20 to Ma , and I think you know that those safe savings accounts are not coming up with the goods. Maybe he should have gone 100% in 2004 and paid a quarter of his mortgage off

breadlinebetty

HAMISH_MCTAVISH wrote: »

What a sad, sad story.

Delayed purchase since 2004..... What a massive, and irreversible mistake. This poor fellow will never be able to undo the damage he has done to himself and his families future.

He sounds genuinely depressed, so I do hope they've checked up on him.

http://www.housepricecrash.co.uk/forum/index.php?showtopic=159727&st=15

A cautionary tale on the very real dangers of trying to speculate on timing the markets... And listening to bad advice on the internet.

That's dreadfully sad. Unfortunately, you'll always get people giving 'advice' when they're actually clueless, or worse, deliberatley trying to harm. Had the poor chap bought back in 2004 his whole life would have been different now.

The people who run that website (home-owner wannabees) should hand their heads in shame.