Returning to UK after 20 years away = no credit rating...help!

Kiwired

Thrugelmir wrote: »

Ask a family member to be your guarantor.

Yep, that's an option which we'll probably have to take. Just need to get ourselves a positive credit rating as quickly as possible; buying our own property is a priority.

Kiwired

usefulmale wrote: »

I will throw in season ticket for Man U no problem. Seriously, read the UK papers. Whilst the details may be sensationalised, its not the UK that you knew 20 years ago. Bring your parents out to NZ and save yourself hassle and expense. In reality, I'm too old now to emigrate (unless my numbers come up) but I am constantly drumming into my kids to get the qualifications and skills necessary to get out of the UK as soon as possible.

I appreciate what you are saying as we've been back to the UK several times since emigrating out here. Moving the parents over here is not an option; both sides of the family are happy and settled where they are - Cornwall and Anglesey.

Concur with the kids and qualifications as it will give them options and open doors in the future.

There are issues wherever you live to be honest - NZ isn't the same as when I emigrated in the 90s and our Aussie neighbours have their own problems too...very high tax rates over there! Admittedly the weather is generally better here than the UK but that isn't everything. We've just got to the stage where we want to be around our respective families and want our younger two to grow up with grandparents, aunties, uncles, cousins, etc. My eldest two (now left home) missed out on all that.

So at the end of the day we have made the decision to come back even though we are being realistic and know that we may not have quite the same lifestyle back there. Funny to say on this forum but money isn't everything...leaving myself open there!

We are fortunate that we could always come back over here if we want to but it can't be that bad over there surely...

usefulmale

If it wasn't that bad I wouldn't be encouraging my kids to leave. If you think taxes are high in Australia, you are in for a shock here in the UK. House prices sky high for a shoebox with a garden so small you could cut the grass with nail scissors in less than half an hour. I assume that you would consider yourself middle class. Most of the middle class want to leave.

http://rt.com/news/britain-families-emigrate-survey-872/

That is just one report. The same thing is reported time and time again. As a white englishman, you will be a stranger in a strange land due to the alien peoples and cultures that are recklessly imported and then elevated above our own. The police are your enemy and a whole host of spy cameras and networks are just waiting for you to make a slight error so they can pop an extortionate fine in the post. Anti-social behaviour is rife and if you are daft enough to remonstrate with them, you have a good chance of being kicked to death in front of your family.

There is no community spirit and, as a man you will be suspected of being a child molester, so I would strongly advise that you avoid any form of contact with a child if you are alone.

If you work, you will be taxed until the pips squeak and the petrol prices are just about the most expensive in the world. Rip-offs, scams and crime are high, and at the end of the year, we will be importing a new wave of pickpockets, pimps and prostitutes from Bulgaria and Romania, so placing an even greater burden on scarce social housing, school places and other local services.

The good news is that a family on benefits has had yet another kid for all us taxpayers to feed, house and clothe. But that doesn't matter as the childs first name is Prince.

Good luck if and when you do move back to the UK

sabretoothtigger

I know a family who switch between UK and NZ. They had these beautiful placemats with all the terrain types NZ has, somehow rainy Britain appeals still. The NHS thing would be a big motivator in that profession I suppose

A mortgage is possible if a nice employer helped secure it. I know the NHS sometimes have accommodation but that is something else, not sure they ever help with private housing

System

I take it your conflating England with the UK?

usefulmale wrote: »

If it wasn't that bad I wouldn't be encouraging my kids to leave. If you think taxes are high in Australia, you are in for a shock here in the UK. House prices sky high for a shoebox with a garden so small you could cut the grass with nail scissors in less than half an hour. I assume that you would consider yourself middle class. Most of the middle class want to leave.

http://rt.com/news/britain-families-emigrate-survey-872/

That is just one report. The same thing is reported time and time again. As a white englishman, you will be a stranger in a strange land due to the alien peoples and cultures that are recklessly imported and then elevated above our own. The police are your enemy and a whole host of spy cameras and networks are just waiting for you to make a slight error so they can pop an extortionate fine in the post. Anti-social behaviour is rife and if you are daft enough to remonstrate with them, you have a good chance of being kicked to death in front of your family.

There is no community spirit and, as a man you will be suspected of being a child molester, so I would strongly advise that you avoid any form of contact with a child if you are alone.

If you work, you will be taxed until the pips squeak and the petrol prices are just about the most expensive in the world. Rip-offs, scams and crime are high, and at the end of the year, we will be importing a new wave of pickpockets, pimps and prostitutes from Bulgaria and Romania, so placing an even greater burden on scarce social housing, school places and other local services.

The good news is that a family on benefits has had yet another kid for all us taxpayers to feed, house and clothe. But that doesn't matter as the childs first name is Prince.

Good luck if and when you do move back to the UK

InsideInsurance

Some banks, particularly for their higher products, allow you to "transfer" your status between countries when you move. HSBC Premier offers this and operates in NZ as does American Express Platinum etc

John1993_2

usefulmale wrote: »

I will throw in season ticket for Man U no problem. Seriously, read the UK papers. Whilst the details may be sensationalised, its not the UK that you knew 20 years ago.

It is what you make of it, and many of us still find it to be an absolutely wonderful country to call home.

If you are struggling to make a good life here, please don't blame it on teh rest of us, look closer to home, and start asking yourself why it is that you can't live a wonderful life in this beautiful land.

John1993_2

usefulmale wrote: »

As a white englishman, you will be a stranger in a strange land due to the alien peoples and cultures that are recklessly imported and then elevated above our own.

Ah, oops, you're one of those, are you?

Please ignore what I said above, don't let the door hit you on the way out.

usefulmale

I am one of those. Obviously you are one of THOSE.

Kiwired

InsideInsurance wrote: »

Some banks, particularly for their higher products, allow you to "transfer" your status between countries when you move. HSBC Premier offers this and operates in NZ as does American Express Platinum etc

Thanks, will look into this option.