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  1. Just looking for a home that was built in two days.A house not part of a skyscraper.And 90% more energy friendly and green.Affordable and if so slap them clean on the Brownfield sites now. There is urgent need,that is clear. I will find it.And add it later.90K and can be rented out or sold within weeks. Also will find out about Brownfield sites. Building more homes on brownfield land Consultation proposals https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/398745/Brownfield_Consultation_Paper.pdf And how many empty homes there are,not in use. And who will benefit from those jails George Osborne has his eyes on for selling for housing Speech with video,about 2 minutes that is all for those that may be slightly allergic to George Osborne. http://www.msn.com/en-gb/news/video/george-osborne-nine-new-prisons-to-replace-victorian-jails/vi-CC8zE3 So perhaps some in the steel industry would be interested in this. I know,those damn Chinese,but fine entrepreneurs as well.Despite having many of our ideas away.And copying them. We should now return the favour perhaps with our steel.They use a lot,like meccano sets. Connect the steel plant to the production area,give no chance for cheap chinese steel to appear. Perfectly legal to do.A small loophole in European Law that is all. And it is time to look after our workers. Chairman Zhang's flatpack skyscrapers A Chinese entrepreneur who took just 19 days to build a 57-storey tower says he has triggered a construction revolution. And his dreams soar far, far higher. http://www.bbc.co.uk/news/resources/idt-3cca82c0-af80-4c3a-8a79-84fda5015115 And the video. China builds complete 57 story skyscraper in record 19 days https://www.youtube.com/watch?v=93HVG3j1phs Even better. In April a company in China claimed to have built 10 detached, single-storey houses within 24 hours, using waste material which was pumped out into layers - and the properties were said to have been created for less than $5,000 (£2,974) each. Four huge printers measuring 105ft (32 metres) long, 33ft (10 metres) wide and 22ft (6.6 metres) tall were used to make the bungalows, China’s Xinhua news agency reported at the time. Read more: http://www.dailymail.co.uk/news/article-2753200/Company-launches-two-bedroom-home-DOWNLOAD-internet-build-yourself.html#ixzz3rZ4YJiwB The answers are here friends,nip off to the council and enlighten them. For those that would consider this idea. Would be in the house and set up for Christmas.I can see you sat by the fire.Christmas tree in the corner,turkey on the table. Will find much more info in the next week.This is just for starters. A lighter look at the problem we know is here. I have run out of time today. Please post how you feel about things. Any info,any additional thoughts and links.From you knowledgeable ones out there.
  2. Hi, I don't know really what I can expect to achieve however the basic gist is that my mother and myself are currently on the council waiting list for a more suitable property for her needs without going into detail this would be a single story 1st floor property preferably a Bungalow or House with a downstairs loo which could be converted into a bathroom. Having spent months eagerly awaiting new properties to be added to the list of available housing each week (and then registering an interest in the ones which appear to be suitable) we have observed a worrying number of the most suitable properties are not available to for us to register an interest as they are being let under a new government scheme which allows the housing association to charge up to 80% of the retail market value, because of this they also implement other caveats such as employment & minimum earnings etc. Now our feeling is that the housing association should not be letting Bungalow's or smaller property under this scheme, surely these types of property should be set aside for the elderly or tenants who have long term medical conditions making other property unsuitable? My understanding is that this scheme was devised to allow housing associations to garner more revenue to then pump back into building new homes, however surely they should then be focusing on large family homes to rent under this scheme? As then their is a higher likelihood that those types of tenants will be able to meet the higher rents and minimum earning stipulations written into the tenancy agreement... Can anyone suggest a course of action to take regarding complaints etc. and who we might make traction with on this matter? Many thanks,
  3. http://nearlylegal.co.uk/blog/2014/09/affordable-homes-bill-bedroom-tax/ Explanation of a bill that may change the regs regarding bedroom tax if it is approved.
  4. Hi All, I have been reviewing a number of threads on this site to come up with a strategy to deal with the debt problem we have. To summarise my wife has run up a number of unsecured debts without my knowledge which is now out of control (see below): Sygma Bank £3670 Sygma bank (different account) £2379 Barclaycard (previously egg) £3314 Barclaycard £2802 Tesco £1871 TOTAL £14k We have written to all creditors (recorded delivery) to ask for 28 days grace whilst we try to find a solution to our debt problem. We followed this letter with a CCA request (also recorded delivery) and we have received responses from all. We are going to post today our income and expenditure which details the nominal amount we can afford to pay monthly to each creditor (worked out on a pro rata basis). Whilst sending all of the above letters my wife is still receiving constant phone calls (which we are ignoring) and demand letters. I n most cases we are incurring additional late payment charges and default notice charges (all of the accounts now have a default). I have a number of questions and I would appreciate advice on this forum to make sure we are dealing with the situation in the best way? 1. We have some equity in our house, therefore can the creditors make a claim on this even though the debts are unsecured, only in my wife's name (mortgage is in both our names), and we are offering to pay what we can afford? THIS IS A BIG CONCERN FOR ME. 2. We can afford to pay less than £3 per month to each creditor (I am sure this will not be accepted) and as read on other forums it is likely that the debts will be sold. At what point will interest stop accruing? 3. Since my first letter asking for time whilst we try to resolve the problem, can I ask the creditors to remove the charges which I deem to be unfair and unhelpful considering my situation? 4. My wife's credit rating will be damaged now because of recent defaults, will this also affect me even though I am not on any of the agreements? Not that we are in a position to get credit in the foreseeable future, I may need to re-mortgage at some point and want to know if this will impact? 5. I have already had a doorstop visit, how can I stop this and ensure correspondence is only in writing? 6. Is it worth uploading the credit agreements for advice. I have read on some threads that some agreements are not enforceable? This point really annoys me because the debt my wife has accumulated should not have been approved because she clearly could not afford it. Some of the agreements do not have her signature, is this normal? 7. Even though the debts are in my wife's name only I have done a joint income and expenditure (for our benefit only not to be sent to creditors) and the situation is the same, we cannot afford the repayments. I am therefore confident if challenged on a joint basis in the courts I could show that we cannot afford the repayments. Ultimately, I need the creditors to accept the lower token payments as this all we can afford. I also need for charges to be removed and interest to stop, which I am assuming will happen shortly. In the meantime I will try to find as much overtime as possible to save enough money to eventually pay the debts off completely - if this is even possible? If anyone could answer the questions/concerns I have raised I would be extremely grateful. We are both very worried about the impact on our house as this is the only money/equity we have for our futures and potentially for our children when we go - I want to protect this at all costs. Thanks!
  5. £582m to Scottish Councils for affordable homes As well as providing this funding, the Scottish Government has also published a new Affordable Housing Supply Programme guidance below. http://www.scotland.gov.uk/Topics/Built-Environment/Housing/investment/guidancenotes/GuidanceNotes2012/HSGN201206 With thanks to SG Landscope
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