limeyphil:
Conor:
Take my gear out and ask for a lift home.a lift off the bailiffs?
come on, they are the scum of the earth. no chance of getting anything off them.
The scum of the earth are those who donât pay what they oweâŚ
monarch of the highway:
Social unrest can be a very dangerous animal,just take the riots in London last year this was a small minority kicking off n plod cudnt cope,
Now just imagine 0ne in ten of the population rioting
Thatâs ok will use the army
Wait we canât because weâve cut it back that far we can barly manage changing of the guard at buck house
things need to change defiantly
But will we ever get a government that tell the youth of today you want money you get a job and earn it,you want a house you pay for it , you want sky tv you pay for it you want kids pets you pay for them,Iâve got a lot of time for people who come unstuck n need the states help , but this generation of free loaders I havnt!
Iâm not perfect but everything Iâve got iv worked for
Why are the poles prospering here simple there not frightened of workin for a livin
Troubled times ahead defiantly but life is what you make it
There are no jobs for the youth of today because weâve given all of our industries away to the foreign competition so that a few rich middle men can make loads of profit in the short term on imported goods sold here that we could have made for ourselves.The fact is they canât afford a decent house or sky tv etc etc on the average Chinese workerâs wages which is what it would take to get our industrial wealth creating industries back.Unless we close our borders to cheap imports and only consume what we can make for ourselves. 
If they lose there job through no fault of there own and they offer a small payment a month that firms refuse does that make them scum ?
Thereâs 2 types of people in debt
Those who are willing to pay something and are struggling
Those who donât want to pay a thing but could
Which ever type you are you will get treated the same if the payments are not enough
I would not class both types as scum
Itâs no secret most of this country is in debt and I bet most if it never gets repaid
keebs26uk:
If they lose there job through no fault of there own and they offer a small payment a month that firms refuse does that make them scum ?
If youâve got loads of housing with mortgages secured at present market values and the monthly payment reduces to less than the amount needed to pay for it the resulting shortfall gets transferred back to the bank and then the bank goes under and then has to be bailed out with taxes which no one is earning enough to pay for.So the money has to be printed to pay for it but that reduces the value of the money and doesnât help those whoâve been evicted anyway.So we actually ended up with a homeless,starving,unemployed population because weâve got the total opposite of a Fordist economy.Just like Greece. 
Conor:
limeyphil:
Conor:
Take my gear out and ask for a lift home.a lift off the bailiffs?
come on, they are the scum of the earth. no chance of getting anything off them.The scum of the earth are those who donât pay what they oweâŚ
Yes, if youâre the sort of person who borrows a lawn mower off a neighbour and deliberately âforgetsâ to give it back but thatâs a lot different to these cases. The âpay your billsâ type youâll find in force on the Daily Mail comments section are just folk lucky enough or think theyâre too clever and careful to ever get in financial distress.
You lose your job or the wages donât go in the bank and a load of direct debits fail youâll get stung for ÂŁ20+ each for each one even though itâs cost the bank nothing and thatâs how you get into a spiral of debt destruction charges on top of charges etc. All bank accounts do this for failed standing orders and DDs and there is no alternative you have to have a bank account to function now the governments made sure of that.
Itâs not until they get thrown off the plantation that a lot of folk realise what a slave they were to begin with and bailiffs are scum in my view theyâre like â â â â collaborators and the worst thing is they only pick on the easy targets if you donât believe me ring em up and see if theyâll go and enforce your court judgement on a travellers site.
I agree that truly dire times are comingâŚespecially once the fantastically low interets rates end,as they will.
Weâve seen bugger all yet.
Incidentally caught the highlights of a TV program earlier on, unless i misheard arnât we the UK net taxpayer giving Rwanda umpteen ÂŁmillion in aid next year, promised under Camerons Rwanda scheme he used as propaganda to give his party the caring voteâŚbloody easy to spend someone elseâs money like confetti.
Hope someone watched and can confirm or preferably deny this, i had to switch off or iâd have ended up bricking the bloody goggle box like Father Jack.
The more crap that happens in the beleaguered country the more i think Father Jack may have the answer DRINK ARSE GIRLS.
Carryfast:
B1 GGK:
Harry Monk:
Something that has slipped under the radar somewhat is that the Bank of England appointed a new Governor this afternoon to take over from Mervyn King next year, Mark Carney. Although heâs generally considered to be in the same mould as King, it is possible that there could be a shift in economic policy either before or after he takes over, particularly with regard to interest rates, which would be a game-changer for a lot of people, particularly the indebted.Its said he led Canada successfully through the global turmoil, and whilst Britain is a different machine than Canada a different body rather than 1 of Kingâs understudyâs is a great move IMO.
Comparing us with Canada is like comparing chalk and cheese.His hands are tied by the trade deficit built up here by the loss of our coal mining and manufacturing industries,and the massive trade deficit and national debt caused by it,just like anyone elseâs would be.The only way that anyone could pay for higher interest rates is with more borrowed and printed money which they wonât get anyway because the employers would prefer to shed yet more labour in the few jobs weâve got left than pay more wages anyway.
Sorry, let me highlight something for you 
Own account ^^^^ +1
If you borrow money, you have to pay it back. Itâs not a new idea.
B1 GGK:
Carryfast:
B1 GGK:
Harry Monk:
Something that has slipped under the radar somewhat is that the Bank of England appointed a new Governor this afternoon to take over from Mervyn King next year, Mark Carney. Although heâs generally considered to be in the same mould as King, it is possible that there could be a shift in economic policy either before or after he takes over, particularly with regard to interest rates, which would be a game-changer for a lot of people, particularly the indebted.Its said he led Canada successfully through the global turmoil, and whilst Britain is a different machine than Canada a different body rather than 1 of Kingâs understudyâs is a great move IMO.
Comparing us with Canada is like comparing chalk and cheese.His hands are tied by the trade deficit built up here by the loss of our coal mining and manufacturing industries,and the massive trade deficit and national debt caused by it,just like anyone elseâs would be.The only way that anyone could pay for higher interest rates is with more borrowed and printed money which they wonât get anyway because the employers would prefer to shed yet more labour in the few jobs weâve got left than pay more wages anyway.
Sorry, let me highlight something for you
So it makes absolutely no difference whatsoever who the team manager is because the team can no longer afford to pay itâs players to live anywhere near the ground and to eat the food needed for the energy needed to play football.Thatâs even assuming the fans had even got the money to watch them play anyway. 
Carryfast:
monarch of the highway:
Social unrest can be a very dangerous animal,just take the riots in London last year this was a small minority kicking off n plod cudnt cope,
Now just imagine 0ne in ten of the population rioting
Thatâs ok will use the army
Wait we canât because weâve cut it back that far we can barly manage changing of the guard at buck house
things need to change defiantly
But will we ever get a government that tell the youth of today you want money you get a job and earn it,you want a house you pay for it , you want sky tv you pay for it you want kids pets you pay for them,Iâve got a lot of time for people who come unstuck n need the states help , but this generation of free loaders I havnt!
Iâm not perfect but everything Iâve got iv worked for
Why are the poles prospering here simple there not frightened of workin for a livin
Troubled times ahead defiantly but life is what you make itThere are no jobs for the youth of today because weâve given all of our industries away to the foreign competition so that a few rich middle men can make loads of profit in the short term on imported goods sold here that we could have made for ourselves.The fact is they canât afford a decent house or sky tv etc etc on the average Chinese workerâs wages which is what it would take to get our industrial wealth creating industries back.Unless we close our borders to cheap imports and only consume what we can make for ourselves.
I wouldnât say there are no jobs, what I would say is the jobs that are there arnt great paying , but surley itâs better to do a low paid job than none at all?
Or is it? When A thing called state handouts are available we all moan n groan about this industry but we are all here earning a living out of it
If you asked your average social Waller to do what we do they wouldnât want to
This is where itâs all going wrong theyâd rather sit on there â â â all day livin off state handouts
Things happen to people that can not be helped that dosnt make them scum
The scum are the ones who borrow on purpose with no intentions of paying it back.
I know someone whoâs debt is ÂŁ30,000 mark, its all going to get written off or must of it. This to me is wrong as he has a full time job earns good money and refuses to pay a thing. Drives a BMW has 2 motorbikes and various other things including a plasma in his girlfriends house
To me that is scum, not the poor person who loses there job willing to pay something small until they get sorted again
keebs26uk:
Things happen to people that can not be helped that dosnt make them scumThe scum are the ones who borrow on purpose with no intentions of paying it back.
I know someone whoâs debt is ÂŁ30,000 mark, its all going to get written off or must of it. This to me is wrong as he has a full time job earns good money and refuses to pay a thing. Drives a BMW has 2 motorbikes and various other things including a plasma in his girlfriends house
To me that is scum, not the poor person who loses there job willing to pay something small until they get sorted again
I know a similar person. And he also is a blatant tax dodger! 
If only⌠
monarch of the highway:
Carryfast:
monarch of the highway:
Social unrest can be a very dangerous animal,just take the riots in London last year this was a small minority kicking off n plod cudnt cope,
Now just imagine 0ne in ten of the population rioting
Thatâs ok will use the army
Wait we canât because weâve cut it back that far we can barly manage changing of the guard at buck house
things need to change defiantly
But will we ever get a government that tell the youth of today you want money you get a job and earn it,you want a house you pay for it , you want sky tv you pay for it you want kids pets you pay for them,Iâve got a lot of time for people who come unstuck n need the states help , but this generation of free loaders I havnt!
Iâm not perfect but everything Iâve got iv worked for
Why are the poles prospering here simple there not frightened of workin for a livin
Troubled times ahead defiantly but life is what you make itThere are no jobs for the youth of today because weâve given all of our industries away to the foreign competition so that a few rich middle men can make loads of profit in the short term on imported goods sold here that we could have made for ourselves.The fact is they canât afford a decent house or sky tv etc etc on the average Chinese workerâs wages which is what it would take to get our industrial wealth creating industries back.Unless we close our borders to cheap imports and only consume what we can make for ourselves.
I wouldnât say there are no jobs, what I would say is the jobs that are there arnt great paying , but surley itâs better to do a low paid job than none at all?
Or is it? When A thing called state handouts are available we all moan n groan about this industry but we are all here earning a living out of it
If you asked your average social Waller to do what we do they wouldnât want to
This is where itâs all going wrong theyâd rather sit on there â â â all day livin off state handouts
Simple just get rid of all social security benefits.But I donât think youâve thought through all of the implications of that on the economy and the job market as a whole in an economy that has thrown away all of itâs wealth creation industrial sectors in favour of the service sector.
Some of this has been plagurised from the Late Bob Beckmanâs books.
Bob got it wrong on property (DIdnât permenantly crash in the early 90âs, had a strong recovery in the late 90âs) but he was right on things like Iceland going bust, toxic debts, and thereâs even a spooky quote or two from a âshadow treasury spokesman for labourâ a one Anthony Blair from the late 1980âsâŚ
The wrong call on property was because Labour didnât win in 1992, and didnât introduce ârent controlsâ even when they DID get elected in 1997.
Even now, ârent controlsâ are no harder to implement than a future government deciding that âlandlords should be sacrificed for the public goodâ. Alas, this is unlikely to occur until SAVERS have âbeen sacrificedâ first. 
If anyone has read the books âInto the Upwaveâ and âThe Downwaveâ, then this kinda flies out at you.
Debt liquidation (as opposed to unaffordable debt repayment) is a great concept that surprisingly few members of the public bother to achieve.
The entire concept of âUsing a downturn in your life to become more prosperousâ also seems an alien concept to the vast majority who donât know how to do âbeneficial downward mobilityâ.
Positioned oneself to best profit from this recession (supposed to be over, but isnât!) turning into a depression, and no proper recovery until 2018 at the earliest just to get started. There doesnât seem to be many around here positioning themselves for anything but total disaster however - because of all the complacent assumtpions about things taken for granted!
Recommendations include:
(1) Use the loss of a full time job as an excuse to get all unsecured debts liquidated
(2) Use low interest rates for a prolonged period as an excuse to live easily within oneâs means
(3) Donât compromise on the basis of outmoded values
(4) Do not leave idle cash lying around in savings accounts, especially at banks.
(5) Give up expensive pastimes
(6) Give up expensive âaccessoriesâ
(7) Only take on new lifestyle choices that will actually improve yourself, rather than to merely "keep up with the Jonesâs
(8) Donât run two jobs and two vehicles (or more!) per household just because itâs the way youâve always done it in the past. Consider your family options.
(9) Donât trust the law to protect you and your assets. Laws change, assets might not be safe under new laws.
Even the first item on the list can double the effective redundancy package, assuming that the average âhousehold unsecured debtâ to âredundancy payoutâ ratio is about 1:1
(2) means you wonât be forced to run bent (excessive hours at low pay) because you can pay the bills with part time hours
(3) means working the systems in place to your best advantage. Claim everything against earnings possible whilst it remains legal etc.
(4) Returns of net less than 4%pa are costing the saver hard cash whilst inflation is where it is.
(5) Do you really need to pay gate prices, shop prices, or asking prices for anything at all?
(6) What was wrong with your old device? Make do with the car/phone/gadget youâve already got. It ainât broke yet after all!
(7) Ditto. Brand new - Waste of money in a recession.
(8) Chances are, the second job is increasing the household net income by very little, because of excess taxation/clawbacks from such a second income.
(9) The law wonât protect you, because it wonât be able to once the entire masses all claim against âguaranteesâ at once. Savings will be destroyed. Bank bailout was to save them. Savers bailouts are easier to sidestep by comparison.
I know some people say I am pessimistic, I just see it as realistic. For the sake of 20 years of buying 99p plastic tat we have turned China from being a rural backwater of peasants on bicycles into a World superpower who are just itching to start nuclear war with us.
keebs26uk:
Things happen to people that can not be helped that dosnt make them scumThe scum are the ones who borrow on purpose with no intentions of paying it back.
I know someone whoâs debt is ÂŁ30,000 mark, its all going to get written off or must of it. This to me is wrong as he has a full time job earns good money and refuses to pay a thing. Drives a BMW has 2 motorbikes and various other things including a plasma in his girlfriends house
To me that is scum, not the poor person who loses there job willing to pay something small until they get sorted again
If you owe ÂŁ30k and you still have a well-paid job, then you ainât getting out of much thanks to the good-old attachment of earnings order.
If you are on the chat, and attempting to borrow ÂŁ30k with the intention of defaulting on it, my guess is it will be quite hard to borrow it in such a way that doesnât make it look like a deliberate act of fraud. Eg. max out 10 ÂŁ3k credit cards because you canât get 3xÂŁ10k credit cards because your limit just ainât upto it!
âDebt write off specialistsâ seem to insist upon punters having â3+ creditorsâ a lot for a reason I suspect is related to a personâs creditworthiness BEFORE they fell flat on their face. Their market is the âdebt denialâ member of the public, rather than the genuinely sudden-skint of someone with ÂŁ30k of debt who suddenly loses a well paid job, and cannot replace that income. If someone uncreditworthy from the very beginning is allowed to run up a ÂŁ30k tab on the other hand, then savers at that lender should withdraw their cash, since the lender are blatent greedy idiots shooting for the âsub-primeâ market that is already supposed to be out of vogue as of 2008âŚ
Harry Monk:
I know some people say I am pessimistic, I just see it as realistic. For the sake of 20 years of buying 99p plastic tat we have turned China from being a rural backwater of peasants on bicycles into a World superpower who are just itching to start nuclear war with us.
I think their designs are more along the lines of putting the west into economic debt to them for stuff we didnât even need that we could have made for ourselves.Theyâll be happy to accept payment in terms of real estate (land) and food supplies and raw materials so they can turn out more stuff to put us into yet more debt to them.Until such time as the debt exceeds the amount which,in their opinion,they are getting payment for.
At which time theyâll then take control of (what they see as) their âforeign investmentsâ and interests in the west directly themselves.So expect to see increasing Chinese control of western farming interests and raw materials production for âexportâ to China to sustain the ever increasing living standards of itâs population.While we find oureselves in the situation of wondering why food supplies in our shops are becoming in ever increasingly short supply and at ever increasing cost relative to wages being paid in worthless printed mickey mouse money.
As for nuclear war I think when push comes to shove the richest,top (controlling) sectors of the western populations would rather settle for a deal which sells out the westâs population in exchange for them keeping their lifestyles reasonably intact.Who knows it may already have happened. 
The worst thing we ever did was to put a woman in charge of the country, it was her that started all of this.
Harry Monk:
The worst thing we ever did was to put a woman in charge of the country, it was her that started all of this.
Put it this way if you had loads a money and the Chinese and Russians threatened to end the world unless they get a deal which makes them a lot richer,but you can keep all your own money and existing lifestyle and maybe even make a bit more from the deal,would you rather deal or press the button.