Help for people losing their homes

8 Nov 2008

Why oh why does the government not step in and help people who cant afford their mortgage and may lose their face it at the end of the day when they are evicted the government will end up a)paying for accomadation for them b)if they can rehouse them all their rent and council tax. Why not step in before it happens give them help with the understanding, if and when they can, it has to be paid back ie should the property be kick people out of their homes just to have the problem of finding them another

8 Nov 2008

Quote by Elaine_female
Why oh why does the government not step in and help people who cant afford their mortgage and may lose their face it at the end of the day when they are evicted the government will end up a)paying for accomadation for them b)if they can rehouse them all their rent and council tax. Why not step in before it happens give them help with the understanding, if and when they can, it has to be paid back ie should the property be kick people out of their homes just to have the problem of finding them another

- have you asked the question of anyone who might know the answer?

8 Nov 2008

Does this mean you are in trouble Elaine?

8 Nov 2008

Quote by Elaine_female
Why oh why does the government not step in and help people who cant afford their mortgage and may lose their face it at the end of the day when they are evicted the government will end up a)paying for accomadation for them b)if they can rehouse them all their rent and council tax. Why not step in before it happens give them help with the understanding, if and when they can, it has to be paid back ie should the property be kick people out of their homes just to have the problem of finding them another

Where's the difference in government paying a mortgage and the government paying to rehouse someone?
I'm trying to be sensitive here, but why should the taxpayer (because at the core of it that's who pays, not the govenrment) bail out everyone who is in financial trouble? Whether that's due to the credit crunch, redundancy or in some cases people borrowing more than they could ever hope to pay back. Simple fact is take on a mortgage, your selling your soul to a bank and ensuring you have to work your ass off for the next 25 years.
People must know that? Surely no one goes into a bank and borrows £150,000 without knowing it could all go wrong? Sorry, those that want to own their own home, good luck to you, I do not see why others should bail you out if it goes wrong. I'd also say loudly......
You don't own one brick until you make the last payment.

8 Nov 2008

Hi Elaine, welcome to the forums! wave

8 Nov 2008

Quote by Freckledbird
Why oh why does the government not step in and help people who cant afford their mortgage and may lose their face it at the end of the day when they are evicted the government will end up a)paying for accomadation for them b)if they can rehouse them all their rent and council tax. Why not step in before it happens give them help with the understanding, if and when they can, it has to be paid back ie should the property be kick people out of their homes just to have the problem of finding them another

- have you asked the question of anyone who might know the answer?
lol

well she might have, now!

8 Nov 2008

If someone is in trouble, the last thing they need is a lecture on what they shouldn't have done.. rolleyes

what they do need is help and support which comes in many forms before it comes to the point at which their home is taken from them.
There but for the grace etc.. have a bit of compassion!

8 Nov 2008

Thanks for the advice,
It has been ignored.
Where does the OP state she is in trouble?
And here was me thinking it may have been a subject for discussion.

8 Nov 2008

Quote by staffcple
Thanks for the advice,
It has been ignored.
Where does the OP state she is in trouble?
And here was me thinking it may have been a subject for discussion.

if the cap fits, wear it rolleyes

8 Nov 2008

I will.
You don't agree with what I think or type? I have but one word for you......
Meh dunno

8 Nov 2008

Quote by staffcple
Thanks for the advice,
It has been ignored.
Where does the OP state she is in trouble?
And here was me thinking it may have been a subject for discussion.

Well said.
Why bail out people that have taken risks? Dear Thatcher encouraged rampant consumerism, removed exchange controls and caused nearly two decades of misery. T
he benefits system will help eventually, but a person should seek independent advice in this, the CAB or similar and not run to one of the leech-like fee paying services frequently advertised on channel 4 and the like.

8 Nov 2008

Quote by capricornten
Thanks for the advice,
It has been ignored.
Where does the OP state she is in trouble?
And here was me thinking it may have been a subject for discussion.

Well said.
Why bail out people that have taken risks? Dear Thatcher encouraged rampant consumerism, removed exchange controls and caused nearly two decades of misery. T
he benefits system will help eventually, but a person should seek independent advice in this, the CAB or similar and not run to one of the leech-like fee paying services frequently advertised on channel 4 and the like.
But, isn't that what Commissar Brown has just done with the Banks? They took risks with other peoples money, it didn't pay off so the Government has bailed them out...
Where's the difference? dunno

8 Nov 2008

Quote by GnV
If someone is in trouble, the last thing they need is a lecture on what they shouldn't have done..
what they do need is help and support which comes in many forms before it comes to the point at which their home is taken from them.
There but for the grace etc.. have a bit of compassion!

Presumption is naff. There's no indication that the OP is talking about themselves and even if it were then people are entitled to give their views as views are being asked for. In any event, personally speaking if I were about to lose my home I wouldn't be posting about it in here.
The way I see it, if the Government stepped in and made it known that they would 'save' people from losing their homes, wouldn't that give the green light to people missing the odd payment here and there? dunno

It's a terrible situation for anyone to be in, believe me we've nearly been there ourselves but in all honesty I cannot see the Government stepping in with assistance at this stage when everything's a flippin mess.

8 Nov 2008

Quote by GnV
But, isn't that what Commissar Brown has just done with the Banks? They took risks with other peoples money, it didn't pay off so the Government has bailed them out...
Where's the difference?

Simple, although again, it's the taxpayer who has bailed them out.....
Banks go to the wall, potentially hundreds of thousands if not millions of people suffer and lose money, knock on effects of bigger banks sharking little ones leads to no competition in the market, driving up mortgage rates and lowering saving interest, outside investment loses faith in the country, millions of share owners take massive hits when the stock market crash happens, recession, inflation through the roof and so on and so on.
If one mortgage fails? Not a huge problem for anybody apart from that person.
The needs of the many always outweigh the needs of the one.

8 Nov 2008

You should change your nic to stuffcpl :shock: :shock:

8 Nov 2008

ffs here we go again, another thread getting personal. mad

8 Nov 2008

Quote by GnV
You should change your nic to stuffcpl :shock: :shock:

Perhaps you'd like to take my post to pieces then with an insightful, reasonable and sensible response, you know, rather than trying to score worthless points by presuming to know something about me?
Just so you know, you really won't get an argument out of me.

8 Nov 2008

Quote by staffcple
The needs of the many always outweigh the needs of the one.

Live long and prosper

Ok.....It wasnt quite the Vulcan proverb but it was close enough for me :lol2:

8 Nov 2008

:lol: :lol: :lol:
I never thought of that!
Heh heh heh.....
Thanks for that!
wink

8 Nov 2008

Quote by staffcple
You should change your nic to stuffcpl :shock: :shock:

Perhaps you'd like to take my post to pieces then with an insightful, reasonable and sensible response, you know, rather than trying to score worthless points by presuming to know something about me?
Just so you know, you really won't get an argument out of me.
why bother when you clearly don't want me too rolleyes

:roll: :roll:

8 Nov 2008

Quote by jaymar
ffs here we go again, another thread getting personal.

:thumbup:
I'm off for a coffee...

8 Nov 2008

My point was not that tax payer should bail out everyone who gets into trouble just the fact that we are anyway so why delay the inevitable. And no im one of the lucky ones at the moment my finances are fine.

8 Nov 2008

My point was not that tax payer should bail out everyone who gets into trouble just the fact that we are anyway so why delay the inevitable. And no im one of the lucky ones at the moment my finances are fine.

8 Nov 2008

Elaine, please don't let any banter put you off posting again - it was definitely a thought-provoking subject, and it's great to see new posters coming in! :thumbup:

8 Nov 2008

Quote by Cherrytree
Elaine, please don't let any banter put you off posting again - it was definitely a thought-provoking subject, keep 'em coming!

Seconded :thumbup:
BTW.....Nice bum Cherry :rascal:

8 Nov 2008

Quote by Steve
BTW.....Nice bum Cherry :rascal:

cheers!

8 Nov 2008

Hi Elaine,
Thanks for clearing that up! wink

I'm not sure what your advocating though, would it be state ownership of every home in the country, turning it all back into rented accomodation? Or simply a bail out clause if people cannot keep up with a mortgage?
I have to agree with Jaymar here, that imho will act as an excuse for people to skip payments.
I've been there, did'nt get any help apart from what I could do myself, which was working another job to ensure i could pay the bills.
I simply don't think that supporting the mortgage's of people en masse will lead to anything except a higher tax burden on everyone, more expenditure for people surely will lead to more financial problems?
It's a sticky one, that's for sure, I do think self reliance should be the first thing people think of, rather than relying on some form of safety net.
BTW, welcome!

8 Nov 2008

At some point people are going to have to take responsibility for their own shortcomings. Many people have taken on huge morgages that they can not afford to pay back. As a tax payer I would rather my hard earned cash was spent on education and hospitals etc rather than digging people out of a mess that they got themselves into.
If people loose their homes the council may have a duty to rehouse them, but they may not. It would depend on indevidual circumstances. Even if the council rehoused them it doesn't mean to say they would get their rent and council tax paid either, again that would depend on their personal circumstances.

8 Nov 2008

Quote by lyns
At some point people are going to have to take responsibility for their own shortcomings. Many people have taken on huge morgages that they can not afford to pay back. As a tax payer I would rather my hard earned cash was spent on education and hospitals etc rather than digging people out of a mess that they got themselves into.
If people loose their homes the council may have a duty to rehouse them, but they may not. It would depend on indevidual circumstances. Even if the council rehoused them it doesn't mean to say they would get their rent and council tax paid either, again that would depend on their personal circumstances.

i agree ... i just couldnt put it in words aswell as you smile

8 Nov 2008

Quote by danne-gary
At some point people are going to have to take responsibility for their own shortcomings. Many people have taken on huge morgages that they can not afford to pay back. As a tax payer I would rather my hard earned cash was spent on education and hospitals etc rather than digging people out of a mess that they got themselves into.
If people loose their homes the council may have a duty to rehouse them, but they may not. It would depend on indevidual circumstances. Even if the council rehoused them it doesn't mean to say they would get their rent and council tax paid either, again that would depend on their personal circumstances.

i agree ... i just couldnt put it in words aswell as you smile

Ah but... people's circumstances change. Wage earners lose jobs, split up, die...