Bishop Cuthbert

Yubep · **Joined:** Wed Jan 31, 2007 6:35 pm **Posts:** 25266

Mr I should have saved that for his 10,000th post.

Yubep · **Joined:** Wed Jan 31, 2007 6:35 pm **Posts:** 25266

Mail quote...

First-time buyer Jonathan Close and partner Aimee Ridgeway have put their plans to buy a two-bedroomed apartment on hold until the issue is resolved.

The couple had planned to buy a property on the corner of Merlin Way and Silverbirch Road, but have temporarily shelved the idea.

Mr Close, 21, who works at Marks & Spencer, said: "As soon as we found out about this we put our mortgage on hold straight away.

So who is he, a simple m and s worker, what gives him the right to look down on people, who may well have a better job and earn more money than him, but just may not have the savings to purchase a house for whatever reason?

MutleyRules · **Posted:** Thu Oct 08, 2009 8:05 pm

MutleyRules · **Posted:** Thu Oct 08, 2009 8:06 pm

Yubep wrote:

Mail quote...

First-time buyer Jonathan Close and partner Aimee Ridgeway have put their plans to buy a two-bedroomed apartment on hold until the issue is resolved.

The couple had planned to buy a property on the corner of Merlin Way and Silverbirch Road, but have temporarily shelved the idea.

Mr Close, 21, who works at Marks & Spencer, said: "As soon as we found out about this we put our mortgage on hold straight away.

So who is he, a simple m and s worker, what gives him the right to look down on people, who may well have a better job and earn more money than him, but just may not have the savings to purchase a house for whatever reason?

They should be Married before living together anyway....the Mucky Bastards!!!! :evil:

Pierrepoint · **Joined:** Sat Jan 17, 2009 3:04 am **Posts:** 1723

LMFAO!! "two bedroomed apartment" they're having a fookin laugh aren't they? Surely the Male is taking the piss! These two are the exact forms of "lowlife" those snobs are protesting about!

Spender · **Posted:** Thu Oct 08, 2009 8:24 pm

Aimee Ridgeway?? :grin:

Yep.

Cornelius Atweasle · **Posted:** Thu Oct 08, 2009 9:04 pm

Spender wrote:

Aimee Ridgeway?? :grin:

Yep.

Girl with a lisp and weeping sores on her back. Used to leave a trail. Yes. I think you did, and I watched. :uhoh:

Snowy · **Joined:** Fri Aug 18, 2006 12:18 pm **Posts:** 37684

With only one eye I hope... and that way you aren't an accessory. :wink:

Kolley Kibber · **Posted:** Thu Oct 08, 2009 10:18 pm

Mr I wrote:

Theres nothing wrong with having the desire to better yourself and if that means you find a way to move to a better area like Bishop Cuthbert or West Park then great. To want an improved lifestyle for you and your family is perfectly natural and to achieve it is to be applauded. I grew up in a poor, even by Hartlepool standards, family. My overriding ambition was to have my kids have a different and yes much better lifestyle. I achieved that and I apologise to no one for it. I am not alone in this in fact a lot of the guys on here have done likewise. I know a lot of the lads on here who now live in nice houses grew up in the same raggy arsed way I did.

Now the other side of the coin is that whats good for the goose is good for the gander. If a not so well off family of today can aspire to do likewise even if it is on a buy to let basis then so what? What right does any of those/us upwardly mobile have the right to pull the ladder up after us? You can't reasonably suggest that just because someone lives in a poor area they are less important that you or I. They have exactly the same right to opportunity for betterment as we have.

To have the gall to suggest that just because a family wants to move from a poor area to a good is inherrently wrong, is hypocritism in the extreme. Those of us who have escaped the slums should be grateful we were blessed with the intelligence to achieve in terms of career and earnings, we should also have the humility to congratulate those who earn or are given the chance to do likewise.

For once Mr I absolutely, 100% agree with you. A day of firsts!

tREE_wiTH_hAMStER · **Joined:** Sat May 19, 2007 11:00 am **Posts:** 20758

I live in Bishops Cuthbert and couldnt give a shit. People need somewhere to live, sick of fucking toffs and snobs. You live seconds away from Throston and a stones throw from West View, you would think they think its a different friggin planet.

Yubep · **Joined:** Wed Jan 31, 2007 6:35 pm **Posts:** 25266

did you not attend the meeting at the tall ships then? :laugh:

Cornelius Atweasle · **Posted:** Thu Oct 08, 2009 10:45 pm

Tree_With_Hamster wrote:

I live in Bishops Cuthbert and couldnt give a shit. People need somewhere to live, sick of f*** toffs and snobs. You live seconds away from Throston and a stones throw from West View, you would think they think its a different friggin planet.

Tree man. You live in a builder's hut in Bishops Cuthbert. :roll:

Frodraff · **Posted:** Thu Oct 08, 2009 11:03 pm

I may have missed it in the past Mr I but where is your part of Hartlepool. I have great affection for Elwick Road and the Burny where I broke our kids nose on the rocking horse head. If it wasn't for that he'd have been a film star, as it is he's just a star in the scouse sense.

MutleyRules · **Posted:** Fri Oct 09, 2009 1:11 am

Robbie Fowler's younger brother????

MutleyRules · **Posted:** Fri Oct 09, 2009 1:12 am

MutleyRules wrote:

They should be Married before living together anyway....the Mucky Bastards!!!! :evil:

Snowy · **Joined:** Fri Aug 18, 2006 12:18 pm **Posts:** 37684

Frodraff wrote:

I have great affection for Elwick Road and the Burny where I broke our kids nose on the rocking horse head.

...that rocking horse head was solid cast iron, it could be deadly in the right hands as were most of the old swings, the so called 'american swings' were as good as any guillotine for fingers when at the top of the frame
and the chute was in the heavens, Great fun.

parmopooly · **Posted:** Fri Oct 09, 2009 9:38 am

these part-ownership houses and stuff have already been built along Hart Lane/Duke St area - and I know a few people who live in the new houses. They need to pass a criminal records check and all kinds before they are allowed to live there, no matter whether it's owned or rented. The same will happen at Bishop Cuthbert. This will ensure that the people who go there are decent folks, whether they have money or not (and having money does not equal being a good person anyways, as we all should know)

Sadly it's the rest of us who are open to the mercy of unscrupulous landlords/property management companies, such as the recent instance next door to me.
Our street fought back and has finally removed the one bad apple, and more streets need to do likewise when faced with being lumbered with shit-ehawks in their neighbourhood.

alleztfc · **Posted:** Fri Oct 09, 2009 10:09 am

Fellow BC resıdent here; Nee shıte round my bıt please. There ıs enough of ıt pourıng ın from Flint Walk etc... banghead

Mr Irrelevant · **Joined:** Thu Aug 17, 2006 8:25 pm **Posts:** 22671

Warwick Hunt · **Posted:** Fri Oct 09, 2009 10:33 am

ADG wrote:

I have read this thread with increasing depression.

Tell you what......what this county needs is for someone to tell everyone that owning your own castle isnt necssary or the the way to be.

Is it really good that millions of people get saddled with mortgages they cant, or can barely keep up repayemnts on?

We all do it, and we all will. Its a recipe for misery, and lifelong debt. Take it from one who knows.

Its a way of life to keep up with the Jone's, and strive to always have "better" than what you currently have or will ever need.

If I had my time again, I reckon I woul have rented a house........and never fell into the mortgage trap.

How many of actually own the properties we dont want lesser beings to have? Very few I bet.

Its a sad indictment of Britain in the 21st century.

Agree with everything you've said there. Very true indeed.

Compo · **Posted:** Fri Oct 09, 2009 10:59 am

ADG wrote:

I have read this thread with increasing depression.

Tell you what......what this county needs is for someone to tell everyone that owning your own castle isnt necssary or the the way to be.

Is it really good that millions of people get saddled with mortgages they cant, or can barely keep up repayemnts on?

We all do it, and we all will. Its a recipe for misery, and lifelong debt. Take it from one who knows.

Its a way of life to keep up with the Jone's, and strive to always have "better" than what you currently have or will ever need.

If I had my time again, I reckon I woul have rented a house........and never fell into the mortgage trap.

How many of actually own the properties we dont want lesser beings to have? Very few I bet.

Its a sad indictment of Britain in the 21st century.

Very true I am getting to that age now were looking for my own place but really think whats the point in buying a house I dont really want I may as well just rent a place. I currently rent a house with flatmates and that suits me fine and I get to save a bit of money.

My folks were lucky in the early 90's to design and build there own house so it fits everything they need or could ever want. My dad has even said if he won the lottery he wouldnt move he built it (well most of it being a chippy with the rest of his family who are in trades) and its all he wants. I think they got it for a steal with cheap fittings and kitchen etc as dad knew people "in the know" and got a discount. I know that the only way my dad will leave that house is carried out in a box, and I dont think I would ever sell it either.

Most people are trapped in a house they dont want or cant afford with negitive equity I would hate to be in that position thats why I am staying as I am and counting my pennies.

Gibsons Beard · **Posted:** Fri Oct 09, 2009 11:03 am

Mr I wrote:

test

tube

Snowy · **Joined:** Fri Aug 18, 2006 12:18 pm **Posts:** 37684

On the continent, most people rent. We as a nation are obsessed with home ownership, pumping money into something that we can't even access money from, ... and miss a payment and you'll soon find out that YOUR castle isn't your castle after all.
As a country we seem to have exchanged worshipping at churches for worshipping at the retail cathedrals, we're becoming a nation obsessed with acquiring staus for the past thirty years.
I remeber as an apprentice, one of the gaffers was obsessed with getting the latest in everything, he was boasting how he'd bought a new 'music centre'.. I asked him about his taste in music...he thought, then said the classic phrase..."Oh, I never thought about that ...better buy some, what's popular?" :roll:

Yubep · **Joined:** Wed Jan 31, 2007 6:35 pm **Posts:** 25266

Good points snowy and compo i totally agree with everything you put.

there are people at my work and friends who talk 24/7 about there house, owning it, renting it out one day, selling it on for money, this and that.

Pierrepoint · **Joined:** Sat Jan 17, 2009 3:04 am **Posts:** 1723

and when all these people finally pay for it they'll be told to sell it to pay for care in the old peoples home.. Like adg's correctly said the trap was set back in Thatchers Britain and we all to man fell in it .. Just think how much happier we could be if hadn't spent all that money chasing something you might never own and even if you do you'll be too old to enjoy it..

I fret for my kids..like I say they'll never be able to do what we've done.. Salaries now are so far away from what you need to even buy the most modest house..

Like eveyone saying maybe renting wouldn't have been such a bad idea after all (If i could put up with all sofa's in the front garden , needles lying around and empty white lightening / ace lager bottle.. bbolt

)

Editied due to shit spacebar

poolie bri · **Posted:** Fri Oct 09, 2009 12:43 pm

i own my house outright best thing i ever did bought 3 years ago and when im gone kids can sell it and have a nice lumper each

Mr Ripper · **Posted:** Fri Oct 09, 2009 12:47 pm

Mr I makes some valid points.

Personally I'm not against people wanting to better themselves through hard work or am I against "social housing".

My point is that I think it's wrong to move the goalposts when people have already bought houses in that area. They knew that they were buying them on the doorstep of Throston, West View and Clavering and decided that they could cope with those downsides, they didn't factor into the equation what they're now being faced with and I reckon that's wrong.

Yubep · **Joined:** Wed Jan 31, 2007 6:35 pm **Posts:** 25266

Ripper what is the downside of living close to throston, west view and clavering might i ask?

Why don't you and all these people just buy a plot of land a million miles away from everyone and just sit there and live on your own in this eutopia?

Compo · **Posted:** Fri Oct 09, 2009 12:55 pm

Mr Ripper wrote:

Mr I makes some valid points.

Personally I'm not against people wanting to better themselves through hard work or am I against "social housing".

My point is that I think it's wrong to move the goalposts when people have already bought houses in that area. They knew that they were buying them on the doorstep of Throston, West View and Clavering and decided that they could cope with those downsides, they didn't factor into the equation what they're now being faced with and I reckon that's wrong.

Who does factor into the equation new developments of the town when buying a house for the future. They town is growing I mena look at the fens area that was in the middle of a field about 25+ or so years ago. Right so in the Cuthbert clubs mind all the rest of the town can grow but its not allowed to around them. Its just tuff and a fact of life. You can say that people are moving the goal posts but would the people on the estate be annoyed if they were going to build another load of £500k plus houses near them for rich people to live in, I think not.

Mr Ripper · **Posted:** Fri Oct 09, 2009 1:02 pm

Compo wrote:

You can say that people are moving the goal posts but would the people on the estate be annoyed if they were going to build another load of £500k plus houses near them for rich people to live in, I think not.

You mean if they'd stuck to the plans that were on the table when they got these people to hand their money over?

Is you a bit fick? stpid

Pierrepoint · **Joined:** Sat Jan 17, 2009 3:04 am **Posts:** 1723

poolie bri wrote:

i own my house outright best thing i ever did bought 3 years ago and when im gone kids can sell it and have a nice lumper each

All well and good if you live happy life then all of a sudden drop down dead at say 80- 85 (if you're lucky) but there's the catch... After all these years and paying your house off .If you and your lass (assuming you have a lass) end up in an old peoples home through no fault of your own your house could be sold from under you to pay for the home looking after you... Something to look forward to isn't...

Snowy · **Joined:** Fri Aug 18, 2006 12:18 pm **Posts:** 37684

poolie bri wrote:

i own my house outright best thing i ever did bought 3 years ago and when im gone kids can sell it and have a nice lumper each

No Bri it works likw this, you go into home and the government make you sell your house to [pay for your care, When the old girl died, despite the fact she worked full time and paid her stamp and taxes, we still had to sell her house, when she died, we got a break down of where her money had went.

Compo · **Posted:** Fri Oct 09, 2009 2:21 pm

Snowy wrote:

poolie bri wrote:

i own my house outright best thing i ever did bought 3 years ago and when im gone kids can sell it and have a nice lumper each

No Bri it works likw this, you go into home and the government make you sell your house to [pay for your care, When the old girl died, despite the fact she worked full time and paid her stamp and taxes, we still had to sell her house, when she died, we got a break down of where her money had went.

I maybe wrong here but cant you get round this and inheritance tax by placing your house in the name of your next of kin. My folks and aunty did this with me about 6 years ago.

Snowy · **Joined:** Fri Aug 18, 2006 12:18 pm **Posts:** 37684

Trouble is, should you have to make plans like this, it's like guessing when your parents are gonna die, which is not very nice to put it mildly.

verbalkint · **Joined:** Thu Dec 20, 2007 9:08 pm **Posts:** 3135

I think pople are missing the point here it is not a class thing its the fact that when people bought there plot they are shown drawings and a scale model of how there close or road is going to look and you have a bit think about which house you would like to live in. Some might not want to be overlooked in there back garden they might like the privacy or others might not want a house directly in front of them so when they decide and hand over £300,000 for there dream house why should they be happy when they decide to change it. I wouldnt and a i think deep down a lot of you's wouldnt.

Compo · **Posted:** Fri Oct 09, 2009 2:32 pm

Snowy wrote:

Trouble is, should you have to make plans like this, it's like guessing when your parents are gonna die, which is not very nice to put it mildly.

not like that at all, my folks and aunt are leaving the house to me anyway so why not just change the name over and not let your dependants take a massive hit by the tax man.

Mr Ripper · **Posted:** Fri Oct 09, 2009 4:20 pm

Compo wrote:

Snowy wrote:

poolie bri wrote:

i own my house outright best thing i ever did bought 3 years ago and when im gone kids can sell it and have a nice lumper each

No Bri it works likw this, you go into home and the government make you sell your house to [pay for your care, When the old girl died, despite the fact she worked full time and paid her stamp and taxes, we still had to sell her house, when she died, we got a break down of where her money had went.

I maybe wrong here but cant you get round this and inheritance tax by placing your house in the name of your next of kin. My folks and aunty did this with me about 6 years ago.

There are numerous ways around it perfectly legally if you know a good solicitor.

I happened to be married to one who does that sort of thing for a living. :grin:

Tax Paying Poolie · **Joined:** Sat Aug 19, 2006 8:18 am **Posts:** 9053

Once you get the initial payments out of the way the difference between renting and paying a mortgage aren't that great anyway. I rent at the moment but hope to have someone of my own in the next few years. Renting is just paying someone else's mortgage, I'd like to have mine paid off by the time I'm retired so I can relax for my final years instead of working till I'm 96.

Yubep · **Joined:** Wed Jan 31, 2007 6:35 pm **Posts:** 25266

Tax Paying Poolie wrote:

I rent at the moment but hope to have someone of my own in the next few years.

I'll be your someone seggers.

wanna rent a room at mine?

Tax Paying Poolie · **Joined:** Sat Aug 19, 2006 8:18 am **Posts:** 9053

Yubep wrote:

Tax Paying Poolie wrote:

I rent at the moment but hope to have someone of my own in the next few years.

I'll be your someone seggers.

wanna rent a room at mine?

oops, meant somewhere.

I'd rather put my cock in the oven on Gas Mark 6 than have you as my landlord, but thanks.

verbalkint · **Joined:** Thu Dec 20, 2007 9:08 pm **Posts:** 3135

Mine is paid off and im 38 and its great not to have the worry of paying a mortgage, just over a year ago i was paying 1000 a month on 2 properties and work was looking bad with the credit crunch, i had a few sleepless nights. Ive got my house up for sale now i could really do with a 4 bed house but im in two minds now about moving im enjoying been debt free

parmopooly · **Posted:** Sun Oct 11, 2009 10:14 am

if there's no real need to move, then don't move is my advice. Especially if you don't owe a shilling on it.

The Lightning Tree · **Joined:** Thu Nov 30, 2006 5:30 pm **Posts:** 5804

If you live in a half decent area whether renting or bought then really whats the difference. You cant take your half a million pound house with you when you pop your clogs.
By the time most of us pop off our kids will be grown up and have places of their own.

If I owned my own property outright i'd sell it, rent somewhere in a decent area and have a whale of a time until its all spent.
Its all about look what i've got these days. Its pathetic.

Warwick Hunt · **Posted:** Sun Oct 11, 2009 11:14 am

At the moment interest rates are so low that it is lulling a lot of people into a false sense of security. They may be ok now but when the rates shoot up again they are going to be struggling.

Frodraff · **Posted:** Sun Oct 11, 2009 12:40 pm

Warwick Hunt wrote:

At the moment interest rates are so low that it is lulling a lot of people into a false sense of security. They may be ok now but when the rates shoot up again they are going to be struggling.

There's a lot of low interest deals around at the moment where you can fix your interest rate for two years. You're right though that might just delay the agony.

parmopooly · **Posted:** Sun Oct 11, 2009 12:56 pm

but it seems those deals are only for new customers and not existing mortgagees!!!! rage

Frodraff · **Posted:** Sun Oct 11, 2009 1:02 pm

parmopooly wrote:

but it seems those deals are only for new customers and not existing mortgagees!!!! rage

No, In the last two months I've fixed a two year deal with Abbey on an existing mortgage and it was at a lower rate than for new mortgages. It seems they're trying to hang on to prime business. It was all done by phone as well which made it really easy.

parmopooly · **Posted:** Sun Oct 11, 2009 1:07 pm

I'll have to check it out - sadly I think I tied myself in for 5 years at the high rate about 18 months ago!!! banghead

Bishop Cuthbert

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