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[sikhthetech] 21/4/2024 20:33

Affordability, anxiety, stress..Health.

The biggest problem facing the UK is health.

It's been building up since the financial crisis of 2008.


"The 2008 financial crisis had a major impact on society - we saw an economic downturn and public spending cuts. That had an impact on people's health in many different ways. The pandemic and subsequent cost of living crisis exacerbated trends, but the signs were there before Covid hit.

"Access to health care has become more difficult, while those fundamental building blocks of health - such as good housing and adequate incomes - are under strain."

[kreature] 21/4/2024 10:57

So how can the new build houses be described as FREEHOLD with the encumbrance of a management company and the deficiencies of uncapped unregulated management fees written into the title deeds ? Surely that’s like fraudulently selling a gold coin described as solid gold when it’s not even gold plated with compulsory annual uncapped fees attached to owning the coin…?

[kreature] 21/4/2024 10:51

FREEHOLD UK definition:
noun
permanent and absolute tenure of land or property with freedom to dispose of it at will

TENURE :
noun
1. the conditions under which land or buildings are held or occupied.

ABSOLUTE
‘ An absolute title to a property (also known as a perfect title) is free of any encumbrances or deficiencies. An absolute title gives an unequivocal right of ownership to the owner and cannot be disputed or challenged by anyone else. This is opposed to titles with liens, attachments, or judgments against them.’

ENCUMBRANCE:
‘ Also known as incumbrance. In a real estate context, any burden, interest, right, or claim that adversely affects a real property's use and value but does not necessarily prohibit the ability to transfer title.’

[kreature] 20/4/2024 20:55

The UK definition of fraud is :
‘ when a person dishonestly makes a false representation in order to gain for themselves or cause loss to another.‘

So I feel that definition possibly fits well with describing new build houses as freehold, when they are not really free from hold.

As a matter of public interest we should really get clarification on whether it is fraudulent or not to describe a house as freehold when it is not free from hold. Any thoughts ?

[beckers2008] 19/4/2024 09:11

P1945,

Liebor or should I say Labour are full of hypocritics with antisemitism running through it's core.
PSN is above a tenner because it is, the market has valued it so, you sad fxck, lol!
It's way above the village idiot 'Kreature' short call, lol, just lol!

[beckers2008] 14/4/2024 13:31

Angela Rayner: Police reveal investigation into council house row
Dire Keir, not giving her his 100% backing, lol!

by Property118.com News Team

11:54 AM, 12th April 2024.

Greater Manchester Police (GMP) has revealed that investigations are underway into Angela Rayner, Labour’s deputy leader, following allegations of electoral law breaches.

The police had previously dismissed the need for an inquiry into accusations that she had given false address information.

But a report in The Times yesterday revealed that police had still not spoken with neighbours over Ms Rayner’s version of events over where she was living.

The focus of the police investigation is whether Ms Rayner registered an incorrect property on the electoral roll.

This inquiry is separate from any potential tax law violations, which would fall under the jurisdiction of HMRC.

Police investigation into Ms Rayner
The reopening of the police investigation into Ms Rayner follows a complaint by James Daly, deputy chairman of the Tory party.

A GMP spokesperson said: “We’re investigating whether any offences have been committed. This follows a reassessment of the information provided to us by Mr Daly.”

Ms Rayner has denied any wrongdoing and has received support from Labour leader, Sir Keir Starmer.

A Labour spokesperson said: “Angela welcomes the chance to set out the facts with the police.

“We remain completely confident that Angela has complied with the rules at all times and it’s now appropriate to let the police do its work.”

May have avoided capital gains tax?

The initial accusation came from an unauthorised biography of Ms Rayner by Tory peer Lord Ashcroft which suggested that she may have avoided capital gains tax when selling her former council house in 2015.

That property was registered as her main address on the electoral roll.

But that raised questions about her living arrangements, particularly after the re-registration of her two youngest children’s births.

They were registered at her husband’s separate address shortly after their marriage in 2010.

Ms Rayner has stated that she consulted with tax experts to ensure she did not owe tax but has chosen not to publish the advice she received.

Mr Starmer has backed her, stating he does not need to see the tax advice and accusing the Tories of ‘chasing a smear’ against her.

Prime Minister Rishi Sunak earlier this week called for both Mr Starmer and Ms Rayner to provide ‘straight̵7; answers about her tax affairs.

He said that many people, including the deputy Labour leader, had asked him ‘lots of questions’ about his tax affairs.

Grant Shapps levels ‘double standards’ charge at Ms Rayner
The defence secretary Grant Shapps has levelled a charge of ‘double standards’ at Angela Rayner, expressing his approval of the police inquiry into the Labour deputy leader.

He pointed out that Ms Rayner has ‘spent her political career calling people out’ and insisted on transparency – yet she has not demonstrated the same level of openness in relation to the allegations against her.

Despite her previous insistence that a Tory candidate disclose their tax return, Ms Rayner has declined to make public the tax advice she obtained regarding the sale of her council house.

Speaking to the media this morning, Mr Shapps said: “I think the double standards have been extraordinary.

“Angela Rayner herself has spent her political career calling people out for exactly the thing that she seems to be doing now.

“It’s not acceptable to ignore it, and it’s not acceptable for Keir Starmer to say he won’t even read reports into it.

“This is something which is a serious matter. It’s important that it’s looked into properly and I welcome the idea that the police are doing that.”

Starmer says police investigation will bring closure
Labour leader, Sir Keir Starmer, has stated that the police investigation into Angela Rayner’s council house sale will enable closure on the issue.

He expressed his full confidence that Ms Rayner had not violated any rules.

Mr Starmer said: “We welcome this investigation because it will allow a line to be drawn in relation to this matter.

“I am fully confident that Angela Rayner has not broken the rules.

“She will cooperate with the investigation as you would expect, and it is really a matter for the police.”

Sadiq Khan and Ed Miliband rally behind Angela Rayner
London mayor Sadiq Khan has expressed his full confidence in 0Angela Rayner, whom he refers to as his ‘best friend’, and that she will be exonerated in a police investigation.

Mr Khan said: “I’m fully confident in Angela, she’s one of my best friends and I’m sure she’ll be cleared.”

Echoing this sentiment, Ed Miliband, the shadow energy minister, said: “We are absolutely 100% behind Angela.

“We are absolutely confident that she has complied with the rules.”

What are the consequences of breaking electoral law?
If an individual declines to provide information to an Electoral Registration Officer, or provides incorrect information, specific penalties may be enforced.

The rules specify that any individual who does not comply or provides incorrect information may be subject to a summary conviction and a fine not exceeding £1,000.

In cases where the offence is not considered severe enough for a criminal conviction, civil penalties may also be levied.

[beckers2008] 12/4/2024 09:37

Especially for 'Sikhthetech' just in case it missed it over on it's beloved dog, TLY, lol!

Beckers200811 Apr '24 - 10:40 - 1198 of 1198
Not to mention the messy impairments and the cash bleeding WIP!
When will this company come clean?
No wonder the FD resigned!

[kreature] 11/4/2024 12:32

Today:

‘Interest Rates need to stay higher for longer, says Bank of England policymaker’

[beckers2008] 11/4/2024 09:48

""Beckers2008 - 26 Oct 2022 - 12:33:16 - 10891 of 17651

Jugs,

The idiot sT, posts words and numbers before it thinks, lol!

BOE base rate at 6%, no chance.

We won't mention bank to bank lending rates as the village idiot 'Sikhthetech' won't want you to rip him a new one again, lol, just lol!"" END.

Times haven't changed, lol!
sT still talks BS, lol!
Sikhthetech, apart from being the village idiot, is now on it's 6th year of being wrong, lol!

Remember my statement...
BoE Base Rate at 6%
Absolutely no chance.

Imo, BoE to cut base rate from currently 5.25%,(not 6%). Starting in Q3 2024.

You heard it first trolls, watch and learn, lol, just lol!""

[sikhthetech] 07/4/2024 20:51

Don’t be fooled by falling house prices – Labour will make them more unaffordable than ever
Starmer’s policies will fail without immigration controls and housebuilding

[kreature] 07/4/2024 14:13

Should I buy one one these ? :

‘New-build owners told to sign NDAs to see details of soaring estate charges
EXCLUSIVEHomeowners tell i they don't know where their money is going as they face soaring mandatory charges for services such as grass cutting’

[kreature] 03/4/2024 17:33

From now on, no mentioning unregulated uncapped management estate charges in the deeds. Agreed?

[kreature] 03/4/2024 09:39

Anyway, sorry for annoying you. Will take a look at the positives in new builds

[kreature] 02/4/2024 22:43

Perhaps the Home Owners Alliance summarises it best here:

[pander45] 02/4/2024 22:09

Better than dealing with one dimensional monosylabic morons such as you. You have no class, or intelligence to back up your assertions which are clearly biased and arranged on the group daily for your personal gain. You are just a keyboard weasel, ferreting around, not unlike an unpleasant disease, to perpetually advertise your warped narrative on the housing market.

[kreature] 02/4/2024 17:55

Management companies ‘appended to the deeds’ is absolutely how it is typically with new build. Typically that being Unregulated and Uncapped estate charges, and other such onerous covenants in the deeds. Therefore the freehold is possibly not free from hold. Hence why many MPs are call them ‘Fake Freeholds’ or fleeceholds. The issue is that management companies could choose to act with impunity and harm the capital value of the house by increasing the annual estate charges. And there is no right to redress unless via the courts.

Estate home owners taking over the estate management is not a great solution imv because the residents are still responsible for the public spaces, and still have to pay the full council tax, and probably worst of all, the residents would be forced to deal with each other, rather than the local authority.

[pander45] 02/4/2024 17:02

Incorrect and ill informed again. Residents can form a majority co-operative in many cases and remove and replace the management service provider. Do you actually know what you are talking about, or are you just mindlessly guessing? This route has been adopted by many estate dwellers across the country, including mine.

[kreature] 02/4/2024 10:03

“ appended to the deeds “

ie, horrific

Imo

[kreature] 01/4/2024 01:36

‘ Inadequate solicitors advice possibly leading to homeowners trapped by ‘fleeceholds’ ‘

‘ The contract in place appears to be appended to the deeds or form part of the contract of purchase. Therefore, could conveyancing solicitors be answerable for their clients’ suffering?’

[kreature] 31/3/2024 20:44

‘ The Competition and Markets Authority (CMA) has also recommended ending the private estates model, which has been used by for 40% of all new builds across Britain in the last five years ‘

I thought is was 80% so called ‘fake freehold’ , not 40% ?

[kreature] 31/3/2024 19:35

You can fix poor quality workmanship
But looks like nothing you can do about a management company inside your deeds.
Other than perhaps sell up and hope to find someone as naive to buy with an equally negligent lawyer ?

[sikhthetech] 31/3/2024 15:48

New homes poor build quality.

Others have raised concerns over poor quality new builds for a while.
Also concerns mentioned by CMA



"A Competition and Markets Authority (CMA) report, published last month, has raised concerns about the build quality of some new homes, and a petition has been set up calling for government accountability for substandard housing and infrastructure."