Covid-19

[Grumps]

Very very debatable far far too early to call, I know a couple of people recently with threatening letters from drysdensfairfax solicitors licking their lips nothing can be done right now but amongst them & others they are ready to pounce after the 3months, 6mths 12mths down the line if things don't improve employment wise a bloodbath ensues, bailiffs & sheriff's vacancies may be listed quite regularly.

There's a very detailed post on here somewhere where it points out why houses won't be subject to repossession .
Far more detailed than just the posts with no factual content.

[thatdberight]

Very very debatable far far too early to call, I know a couple of people recently with threatening letters from drysdensfairfax solicitors licking their lips nothing can be done right now but amongst them & others they are ready to pounce after the 3months, 6mths 12mths down the line if things don't improve employment wise a bloodbath ensues, bailiffs & sheriff's vacancies may be listed quite regularly.

In this war, clearly the first casualty was punctuation.

[Jakubclaret]

There's a very detailed post on here somewhere where it points out why houses won't be subject to repossession .
Far more detailed than just the posts with no factual content.

May not be as many repossessions as predicted but more interest only with negative equity at the end of repayment term, still needs paying or the house is sold, that's the only reason, I don't think the majority will be repossessed I've never stated that's the case, but between the repossessions & the interest only & people renting with housing benefit that'll probably make paulatky prediction wrong, dismissing the factors mentioned he wouldn't be a million miles away, however you want to look at it more people will not own there own homes outright without a plan to, it's a case of let's get by & what will be will be when the houses get eventually sold when the repayment terms expire.

[paulatky]

Don’t forget that this situation will result in the majority of people losing their homes. Zero credibility.

4 or 5 of us have consistently been on the right side of what’s happened whereas the majority ,especially at the beginning/middle of February tried to play down the seriousness of this virus.

Dont know what you mean by the Cheltenham comment. The 1m deaths was without any restrictions and that is still a valid estimate.

Too early to say about people losing their homes but the housing market both owned and rental will be un a mess.

Stock market crashed, there were/shortages in shops,jobs and businesses gone under with more to come, pension funds under threat due to under funding situation. 2 weeks behind Italy I said weeks ago and got ridiculed, their family lifestyle and intimacy it was said by others was totally different to ours and the number of deaths there would never happen you all said.

Yes so overall got far more right than wrong.

[NottsClaret]

France are going to reopen schools on May 11th. Are they on a similar path to us, maybe a bit in front?

Fair do’s to Macron, just admitted they hadn’t been ready for it but will be testing every person with symptoms from 11 May.

Should we be looking at the same?

[Zlatan]

France are going to reopen schools on May 11th. Are they on a similar path to us, maybe a bit in front?

Fair do’s to Macron, just admitted they hadn’t been ready for it but will be testing every person with symptoms from 11 May.

Should we be looking at the same?

Yes I do think that, but we don’t have the infrastructure according to our health minister

[Grumps]

May not be as many repossessions as predicted but more interest only with negative equity at the end of repayment term, still needs paying or the house is sold, that's the only reason, I don't think the majority will be repossessed I've never stated that's the case, but between the repossessions & the interest only & people renting with housing benefit that'll probably make paulatky prediction wrong, dismissing the factors mentioned he wouldn't be a million miles away, however you want to look at it more people will not own there own homes outright without a plan to, it's a case of let's get by & what will be will be when the houses get eventually sold when the repayment terms expire.

I Carnt remember the exact figures, so please don't quote me as fact, but it was something like 60% of people own their own house, so won't be affected
Out of the other 40% many will be in jobs that are secure, virus or no virus.. Nurses, doctors, teachers, police, fire etc etc
I did a non scientific survey of around 30 households who I know, and I saw only one that could be under threat of losing their house if it went horribly wrong, and that's because they're self employed.

[Lowbankclaret]

I answered that yesterday, and told you exactly what I thought of you.
Can you imagine anyone basking in the glory of 10,000 deaths, oh sorry of course you can, twice now.
I've also looked back for all the posts where you've responded when people have pointed out your mistakes, and guess what, I Carnt find them
Are they still leaving people to die in Padiham, just so they don't get added to the figures?

No one is basking in anything!

I can guarantee I haven’t deleted anything as I don’t have time.

I find it strange, I try to tell people wants happening or going to happen.
When It does, you lot attack me saying I am glorifying it when it does happen . That’s you defence mechanism, I get it.

That’s a stupid statement about a Padiham, Neil’s uncle plus many more are being told to stay at home or in a care home. Having spoken to a nurse , it’s a case of take your chance at home, because the last place you want to be right now is in hospital.

One of Face shield printers was telling me today, a friend of theirs had a baby six weeks ago, premature, has had open heart surgery and now has Covid -19.

You lot want lockdown lifting, your having a laugh.

[thatdberight]

France are going to reopen schools on May 11th. Are they on a similar path to us, maybe a bit in front?

Fair do’s to Macron, just admitted they hadn’t been ready for it but will be testing every person with symptoms from 11 May.

Should we be looking at the same?

I believe schools remain closed because people are scared rather than because the science says it's particularly useful to keep them closed as far as the last reports I saw last week said.

[Lowbankclaret]

This virus is sweeping though our hospital’s and our care homes.

Our Gov is going to have some hard decisions this week.

[thatdberight]

... the number of deaths there would never happen you all said...

One person says something and it's suddenly "you all". Just another lie in a long line from you.

This is somebody who actually got more right than wrong.

octopus2_1675213a.jpg (35.88 KiB) Viewed 3410 times

[Grumps]

No one is basking in anything!

I can guarantee I haven’t deleted anything as I don’t have time.

I find it strange, I try to tell people wants happening or going to happen.
When It does, you lot attack me saying I am glorifying it when it does happen . That’s you defence mechanism, I get it.

That’s a stupid statement about a Padiham, Neil’s uncle plus many more are being told to stay at home or in a care home. Having spoken to a nurse , it’s a case of take your chance at home, because the last place you want to be right now is in hospital.

One of Face shield printers was telling me today, a friend of theirs had a baby six weeks ago, premature, has had open heart surgery and now has Covid -19.

You lot want lockdown lifting, your having a laugh.

Why the.. Where's grumps... Posts yesterday and today other than you can say you were right

You won't have deleted any, because they were never there, which is the point.

It was you who said people were being left at home to die, so it didn't get in the hospital figures, I asked you which medical professional would do that.... Iam still waiting your reply

That story is all over the news poor thing must have caught it in hospital.

[thatdberight]

Our Gov is going to have some hard decisions this week.

As long as they don't decide to lock up lying *****, you'll be alright.

[Jakubclaret]

I Carnt remember the exact figures, so please don't quote me as fact, but it was something like 60% of people own their own house, so won't be affected
Out of the other 40% many will be in jobs that are secure, virus or no virus.. Nurses, doctors, teachers, police, fire etc etc
I did a non scientific survey of around 30 households who I know, and I saw only one that could be under threat of losing their house if it went horribly wrong, and that's because they're self employed.

If you look at Paulatkys last post he/she even states it’s too early to say, but I think we can all agree it’s a mess & set to become even more of a mess either way, I won’t pick the bones with your stats or question or doubt, but 1 consideration that the people already renting or having a mortgage the 40% as you state with the job security, there’s no such thing really now as job security at all, hardly anybody employed as 100% job security. You fall poorly long term or the company loses a contract goes bust etc etc etc, job security doesn’t exist for so many reasons.

[Rileybobs]

Too early to say about people losing their homes but the housing market both owned and rental will be un a mess.

Yet, with that in mind you claimed that the great majority of people would lose their homes. So you’ve just admitted that you don’t have a clue as it’s too early to tell, yet you’re making a wild claim which we all know will definitely not come to pass. You’ve made so many ridiculous claims that it is a wonder if anyone takes you seriously.

Yet you seem desperate to constantly pat yourself on the back and tell everyone how right you were. Maybe that’s why people are pointing out the vast number of occasions when you have got things spectacularly wrong.

[Grumps]

This virus is sweeping though our hospital’s and our care homes.

Our Gov is going to have some hard decisions this week.

Some care homes that have hit the news, the vast majority are fine, so hardly sweeping through our care homes is it?
Doubt it'll be a hard decision, just keep the lockdown in place for a while longer.

[Rileybobs]

One person says something and it's suddenly "you all". Just another lie in a long line from you.

This is somebody who actually got more right than wrong. octopus2_1675213a.jpg

Also named Paul, rather aptly, if I’m not mistaken.

[Grumps]

If you look at Paulatkys last post he/she even states it’s too early to say, but I think we can all agree it’s a mess & set to become even more of a mess either way, I won’t pick the bones with your stats or question or doubt, but 1 consideration that the people already renting or having a mortgage the 40% as you state with the job security, there’s no such thing really now as job security at all, hardly anybody employed as 100% job security. You fall poorly long term or the company loses a contract goes bust etc etc etc, job security doesn’t exist for so many reasons.

Which bit of, I don't remember the exact figures, so don't quote as fact, did you struggle to grasp. The original post is on here somewhere

[Jakubclaret]

Which bit of, I don't remember the exact figures, so don't quote as fact, did you struggle to grasp. The original post is on here somewhere

That’s why I never bothered questioning as I knew you wasn’t sure, to be honest I don’t really believe in stats anyway I go with my gut instinct it’s far more reliable it hasn’t let me down yet first time for everything I guess!

[thatdberight]

Also named Paul, rather aptly, if I’m not mistaken.

Paulokty, I think.

[TVC15]

Wow - this thread has so lost the plot.

[TheFamilyCat]

Wow - this thread has so lost the plot.

I can't imagine these words have ever been typed before, but here goes: we need Ringo back to bring a bit of sense.

[TVC15]

I can't imagine these words have ever been typed before, but here goes: we need Ringo back to bring a bit of sense.

Put down the bottle please.
It’s not worth it

[Lowbankclaret]

I have to give you all 10 out of 10 for the tactics.

You lot can post lots of stuff but not actually say anything.

Anyone who points to what’s really happening and where we will be in time.

If its correct, then attack them stating they are basking in it, etc.

1st page of this thread I said this was serious and you lot are still playing childish games.

[Devils_Advocate]

[ksrclaret]

I have to give you all 10 out of 10 for the tactics.

You lot can post lots of stuff but not actually say anything.

Anyone who points to what’s really happening and where we will be in time.

If its correct, then attack them stating they are basking in it, etc.

1st page of this thread I said this was serious and you lot are still playing childish games.

Get over yourself. It's a football message board.

[paulatky]

I believe schools remain closed because people are scared rather than because the science says it's particularly useful to keep them closed as far as the last reports I saw last week said.

That happened here. A lot of parents had taken there children out of school a few days before schools were closed.

[paulatky]

4 or 5 of us have consistently been on the right side of what’s happened whereas the majority ,especially at the beginning/middle of February tried to play down the seriousness of this virus.

Dont know what you mean by the Cheltenham comment. The 1m deaths was without any restrictions and that is still a valid estimate.

Too early to say about people losing their homes but the housing market both owned and rental will be un a mess.

Stock market crashed, there were/shortages in shops,jobs and businesses gone under with more to come, pension funds under threat due to under funding situation. 2 weeks behind Italy I said weeks ago and got ridiculed, their family lifestyle and intimacy it was said by others was totally different to ours and the number of deaths there would never happen you all said.

Yes so overall got far more right than wrong.

As its still basically a football message , I also said PL football with a crowd would not return until March next year. Again the majority on here were saying June was still a possibility when I said that.

A more realistic date for crowds to return to football would now be Sept 2021.

[ksrclaret]

As its still basically a football message , I also said PL football with a crowd would not return until March next year. Again the majority on here were saying June was still a possibility when I said that.

A more realistic date for crowds to return to football would now be Sept 2021.

What else was said at the cobra meeting your chaired today?

[Spijed]

A more realistic date for crowds to return to football would now be Sept 2021.

Based on what?

[ksrclaret]

Based on what?

Based on the contents of his bowel, at a guess.

[Zlatan]

I have to give you all 10 out of 10 for the tactics.

You lot can post lots of stuff but not actually say anything.

Anyone who points to what’s really happening and where we will be in time.

If its correct, then attack them stating they are basking in it, etc.

1st page of this thread I said this was serious and you lot are still playing childish games.

I’ve told you before, any credibility you had (which wasn’t much to be fair as you stated a death rate of 26%) went when you openly admitted going out of your way to wind people up on this thread.

[Paul Waine]

I Carnt remember the exact figures, so please don't quote me as fact, but it was something like 60% of people own their own house, so won't be affected

Hi Grumps,

English Housing Survey, published July 2019:

https://assets.publishing.service.gov.u ... report.pdf

Owner occupation is the most prevalent tenure in England. Among owner occupiers, there are more households who own their home outright than who own with a mortgage.  In 2017-18, there were an estimated 14.8 million households who either owned their home outright or were buying with a mortgage. This represents 64% of all households. More than half (53%) of owner occupiers (and 34% of all households) own their home outright.

*****************
Owner occupiers with no mortgage (own home outright): 53% of 14.8 million = 7,844,000
Owner occupiers with mortgages: 47% of 14.8 million = 6,956,000

Owner occupiers are 64% of all households. Thus total households = 23,125,000. And, owner occupiers owning the home outright (just under) 34%.

These, of course, are just the figures for England.

Lot's of other interesting facts.

For example: Outright owners tend to be older than mortgagors. The average age of outright owners was 68 years, with 64% of outright owners aged 65 or over. Among mortgagors, the average age was 46, with 62% aged 35-54.

[paulatky]

Based on what?

Common sense , knowing the importance of social distancing.

[paulatky]

What else was said at the cobra meeting your chaired today?

Instead of just attacking what I say put forward a suggested date yourself.

[Blackrod]

Could be and was a good thread without all the point scoring.

[paulatky]

Hi Grumps,

English Housing Survey, published July 2019:

https://assets.publishing.service.gov.u ... report.pdf

Owner occupation is the most prevalent tenure in England. Among owner occupiers, there are more households who own their home outright than who own with a mortgage.  In 2017-18, there were an estimated 14.8 million households who either owned their home outright or were buying with a mortgage. This represents 64% of all households. More than half (53%) of owner occupiers (and 34% of all households) own their home outright.

*****************
Owner occupiers with no mortgage (own home outright): 53% of 14.8 million = 7,844,000
Owner occupiers with mortgages: 47% of 14.8 million = 6,956,000

Owner occupiers are 64% of all households. Thus total households = 23,125,000. And, owner occupiers owning the home outright (just under) 34%.

These, of course, are just the figures for England.

Lot's of other interesting facts.

For example: Outright owners tend to be older than mortgagors. The average age of outright owners was 68 years, with 64% of outright owners aged 65 or over. Among mortgagors, the average age was 46, with 62% aged 35-54.

And in my opinion a large proportion of that 62% will be very worried about their job security at the moment and their ability to service their mortgages.

[dsr]

As its still basically a football message , I also said PL football with a crowd would not return until March next year. Again the majority on here were saying June was still a possibility when I said that.

A more realistic date for crowds to return to football would now be Sept 2021.

What would be the point of delaying until September 2021? Is it so you can tell old people "you will not die of coronavirus, you will stay in your house just breathing in and out until you stop." I suppose it would cut the number of coronavirus deaths, which is the only thing that matters, it seems.

By the way - clever boy. It's good of you to point out how clever you are. Perhaps you should do it more often.

[ksrclaret]

Instead of just attacking what I say put forward a suggested date yourself.

This thread is not titled 'suggest a date for when crowds will return to football'. As such, I have no interest in pulling figures out of my behind on future issues I have no idea about in order to quote myself back later and tell everybody about how right I was.

I suggest you do the same. It's really not helpful to anyone.

[thatdberight]

I also said PL football with a crowd would not return until March next year.

A more realistic date for crowds to return to football would now be Sept 2021.

I thought you were always right about everything?

[Paul Waine]

And in my opinion a large proportion of that 62% will be very worried about their job security at the moment and their ability to service their mortgages.

Hi Paul, really? Can I suggest you read the extract I posted again. Yes, 62% are aged 35-54 - and the average age of home owners with mortgages is 46.
Don't you think that some of the remaining 38% will be younger than 35? I'd expect that there is more exposure to mortgage default when you have only limited equity in your home. I'd make a guess that this will be often be in the early years of home ownership rather than when people are older. Of course, I'm sure there will be other factors.

[thatdberight]

And in my opinion a large proportion of that 62% will be very worried about their job security at the moment and their ability to service their mortgages.

And what the actual **** are banks going to do with hundreds of thousands of repossessed houses when everybody's in the same ******* boat?

[paulatky]

Early days? How do you know that, how do you know it hasn't peaked? Nobody knows,so let's just report the facts...if you haven't been to Italy, stuck safely in a 4 star Tenerife hotel, or been in contact with someone who has, the known facts say you won't catch it, but just in case let's empty the supermarket and burden the NHS

Grumps posted this on 3rd March when the UK had 51 confirmed cases and no deaths.

He asked me how did I know cases hadnt already peaked in the UK at the time and said nobody knows if they. Thats the silliest statement I have seen anywhere in my life.

[paulatky]

Early days? How do you know that, how do you know it hasn't peaked? Nobody knows,so let's just report the facts...if you haven't been to Italy, stuck safely in a 4 star Tenerife hotel, or been in contact with someone who has, the known facts say you won't catch it, but just in case let's empty the supermarket and burden the NHS

Grumps posted this on 3rd March when the UK had 51 confirmed cases and no deaths.

He asked me how did I know cases hadnt already peaked in the UK at the time and said nobody knows if they have. Thats the silliest statement I have seen anywhere in my life.

[TVC15]

Can’t believe some of the rubbish people make up.
If you have no understanding about the housing / mortgage market or how banking works what possesses a person to come up with a daft statement and then try and defend that point for the next week ?
Having “an opinion” is not a get out for sheer stupidity.

[paulatky]

And what the actual **** are banks going to do with hundreds of thousands of repossessed houses when everybody's in the same ******* boat?

Repoesse as quickly as possible to cut their losses as early as possible.

[ksrclaret]

Grumps posted this on 3rd March when the UK had 51 confirmed cases and no deaths.

He asked me how did I know cases hadnt already peaked in the UK at the time and said nobody knows if they have. Thats the silliest statement I have seen anywhere in my life.

Thanks for bringing this to our attention. So the essence of that post was to tell you to stop making things up because you really haven't the first clue about anything that hasn't happened yet. There was also a handy reminder to stick to posting about the facts.

I'm so glad you listened to that post. It could have been embarrassing for you. Oh, wait.

[thatdberight]

Repoesse as quickly as possible to cut their losses as early as possible.

Just when I think you've hit peak ignorance, you prove me wrong.

[paulatky]

Can’t believe some of the rubbish people make up.
If you have no understanding about the housing / mortgage market or how banking works what possesses a person to come up with a daft statement and then try and defend that point for the next week ?
Having “an opinion” is not a get out for sheer stupidity.

What do you think banks will do if someone cant pay their mortgage. Unless the government intervenes with an off the wall scheme many people will be in difficulty.

It had in the financial crisis 12 years ago and this is worst. Since that crisis the banks have required more equity to be put in so they will to action sales quicker before prices fall even further.
I can see the government having to come up with a scheme

[dsr]

Grumps posted this on 3rd March when the UK had 51 confirmed cases and no deaths.

He asked me how did I know cases hadnt already peaked in the UK at the time and said nobody knows if they. Thats the silliest statement I have seen anywhere in my life.

Statements can be accurate and still be silly. For example, I know of someone who goes back 41 days just to make a pointless point on a message board.