Misery after 8pm announcement

[WilsonMilson]

I’m just so fed up. It feels like Groundhog Day now. Worried about business, worried about ds’s schooling. Doing dry January too - thinking about scraping that tbh. How’s everyone else doing?

Do you want to tell the posters that up thread who are telling you, they are having to sell their houses.

I am probably one of the most deprived people on this thread, living in one of the most deprived areas in Europe. I own NOTHING.

Its not just the roof over your head, its all the other things

What other things. Your car? Your holiday.I know nothing about this but you have assets. The banks had your assets. Do you seriously think they want your shared assets to depreciate?

But hey, you might, though you won't, just end up on a council estate like the rest of us. Tough shit

and unless the government change their tune on things like tax returns people are going to have to do that.

Tax returns lol

So on the plus side for some people, they will lose their home, but they can go directly to jail for not paying their council tax, tv licence and tax bill

They won't lose their home, no one will. It isn't economic sense

Flaxmeadow So on the plus side for some people, they will lose their home, but they can go directly to jail for not paying their council tax, tv licence and tax bill

They won't lose their home, no one will. It isn't economic sense

I'm pretty certain that people who can't pay their mortgages due to lockdown restrictions will lose their homes if they are repossessed by their mortgage lenders. Unless you know something about a new government policy that no-one else does?

Are mortgage payment holidays going to be a feature of this latest lockdown?

@Flaxmeadow

No car, no holiday, you and me are probably pissing in the same pot, To be honest, I could play this race to the bottom as well

I also assume, you are unaware that the self employed have to pay their taxes? Otherwise you wouldn't find that amusing.

People are losing their homes, not just those that own, those that rent as well, are you so far removed you just don't understand that

I'm pretty certain that people who can't pay their mortgages

Your mortgage is your affair. Your gamble. If interest rates go up then that will at least be controlled

If you think for one second the hardest hit won't be renters, public sector or private, then you're very much deluded. Think yourself lucky. You might come out of this , renting, with a few grand. That's more than most us will

due to lockdown restrictions will lose their homes if they are repossessed by their mortgage lenders.

Why would they repossess? It's their asset too. Why would banks cut their own nose off to spite their face?

Unless you know something about a new government policy that no-one else does?

You have been given leeway on payments. Generous leeway

Are mortgage payment holidays going to be a feature of this latest lockdown

They already are

People are losing their homes, not just those that own, those that rent as well, are you so far removed you just don't understand that

I don't know anyone who has lost their home so far

@HumphreyCobblers

I am gutted. Have a seven year old with SN and lockdown is terrible for him, absolutely awful. He needs the variation of school or of going out and about - he has little language and no sense of narrative so cannot watch tv, read books, play imaginary games, draw/paint or access online learning in any meaningful way. At least in the last one he could play outside most of the day.

I could absolutely cry. He regressed so much last time.

Would he qualify to attend school under key worker or vulnerable child criteria?

@Flaxmeadow

People are losing their homes, not just those that own, those that rent as well, are you so far removed you just don't understand that

I don't know anyone who has lost their home so far

I don't know anyone who has Covid so far, so why are we locking down?

I don't know anyone who has Covid so far, so why are we locking down

To protect our health, and other, services

I don't know anyone who has lost their home so far

Oh, because I assumed from this comment you didn't know anyone that was losing their homes, that it wasn't happening.

So I pointed out something equally stupid, but since I don't know anyone who has covid, why do we need to do this?
To protect our health, and other, services

But I am now in the mindset that you might be just fairly goady instead

I’m confused. Why is anyone on the coronavirus topic miserable? The last few days have been relentless “we need lockdown NOW, Schools must close NOW” screaming from virtually everyone. When I’ve said how awful it would be I’ve been shut down. I assumed you’d all be over the moon now.

@Bagamoyo1

I’m confused. Why is anyone on the coronavirus topic miserable? The last few days have been relentless “we need lockdown NOW, Schools must close NOW” screaming from virtually everyone. When I’ve said how awful it would be I’ve been shut down. I assumed you’d all be over the moon now.

It felt like to some of us so not all screaming for lockdown. I know what you mean though

@Bagamoyo1

I’m confused. Why is anyone on the coronavirus topic miserable? The last few days have been relentless “we need lockdown NOW, Schools must close NOW” screaming from virtually everyone. When I’ve said how awful it would be I’ve been shut down. I assumed you’d all be over the moon now.

I didn’t want schools to close, I felt there was no choice.

@FatGirlShrinking

Trying to hold myself back from the chocolate tin.

Nah - first thing I did on hearing the news was to go to Tesco's for a shedload of chocolate. I did however pick up some strawberry laces which might possibly count as one of my five a day?

@JaceLancs dont assume the housing association wont evict. They absolutely WOULD/WILL.

oh god, so many things wrong here....

1. "I'm pretty certain that people who can't pay their mortgages

Your mortgage is your affair. Your gamble. If interest rates go up then that will at least be controlled"

You "gamble" on taking out a mortgage when you assess your risk. someone loosing their house because they massively overstretched IS HUGELY DIFFERENT than loosing it because of a pandemic and a gov who can't organize a pissup in a brewery.
Let's not equate the 2. Not comparable.

1. "If you think for one second the hardest hit won't be renters, public sector or private, then you're very much deluded. Think yourself lucky. You might come out of this , renting, with a few grand. That's more than most us will due to lockdown restrictions will lose their homes if they are repossessed by their mortgage lenders.

Why would they repossess? It's their asset too. Why would banks cut their own nose off to spite their face?"

Because the system works in the following way - very dumbed down:
bank gives money, has ownership of the house > you don't pay > bank forecloses and takes away the house > bank has your 10yr mortgage payments+the house -> bank auctions it off at house value-5-7yrs of mortgage amount minimum. Do you now get why it's in the bank's best interest to actually take the house? It's nowhere near nose/face analogy.

1. mortgage payment holidays

Imagine this.... There is Joan who runs a small store/shop. She owns a house, has kids, whatever. Joan has to close her shop. She has been paying herself through dividends, so she can go on furlough for min. wage which is appr. £500 pm + her company (which has no income) has to pay her about £170

Her mortgage is about £700 a month, because in normal times her shop makes enough so that she can afford it.

The following will happen to Joan atm, afaik, if Joan doesn't have hidden stash and lived up all her savings already

1. Joan will not be able to pay house --> bank takes it
2. Joan will not be able to pay shop's rent ---> so has to close it. She is left with debt and stock that she now either has to store or just throw out. Maybe try sell it on ebay.
3. Joan will not get furlough as her company cannot pay the £170pm.
4. Joan still has to pay some company related taxes that have accumulated potentially (furlough costs, previous business loan, etc)

Joan may opt to take out a business loan, but it will only go so far. And any loan is just that: some money you have to pay back later. And if Joan is cautious then she won't do it.

As a conclusion:

lower middle class has all to loose mostly.

Total bottom of the pile: they are actually the safest probably as I don't really think any council will start evicting people and they are already on benefits which didn't change during the pandemic (if they did, sorry)

upper middle class has enough savings to scrape by.
wealthy: come on, draw your conclusion.

And I'm not being racist/classist/whatever will be thrown at me, it's a rational quick analysis after looking around

And all of this because some people thought that having masks on kids will hurt them. This is hurting them, not masks.

It really felt like Groundhog day, but this time it's different, because the vaccines are being rolled out.

It's a horrid time of year to be in lockdown, especially for those with small children, but the case numbers are so high that lockdown had to happen to prevent a total collapse of the NHS. 4 to 6 weeks of lockdown, to slow transmission, while rolling out vaccines to the NHS, carers and elderly, sounds like a good combination to get over the worst of this crisis.

It's not the government's fault that the virus mutated, and no matter what they did they would be criticised. Boris tried to compromise, by opening primary schools and delaying/staggering the opening of secondary schools, but people criticised him for that. Now he's closed all the schools he's being condemned for not doing it sooner by some, and for ruining childrens' education by others. He could find the cure for cancer and there'd be someone shouting "But why didn't you cure our diabetes/obesity/heart problems...? You just don't care about us!"

Boris is not in control of this pandemic - because nobody can control it. All governments around the world are doing their best to mitigate its effects and protect their populations, and ours has done better than many others. If you want to play the blame game, try thinking about the source of this pandemic, and the vile, cruel and unsanitary practices concerning live meat markets that led to the original virus outbreak. Then think back to the doctors in that country who spoke out, early on, in spite of their government trying to hush things up. Someone has blood on their hands, but it's not Boris, or our government.

@Defenbaker

Apart from the States which countries are doing better than our government?

He is being condemned about closing Primary Schools late, because rather than going on TV and saying schools are safe and allowing thousands of children up and down the country to mix, he could have said, lets put a hold on schools for Monday, so that we can have a look at the figures tomorrow, because teachers and headteachers are saying it might not be safe. He could have done his whole speech that he did tonight, yesterday and parents up and down the country would still be in the same position, with the knowledge that their child hadn't mixed with another 30 bubbles

And Boris does have blood on his hands, as does governments of the last god knows how many years for stripping the NHS of their resources. I just wish there was a suitable option for someone to take over the government

@Defenbaker

It really felt like Groundhog day, but this time it's different, because the vaccines are being rolled out.

It's a horrid time of year to be in lockdown, especially for those with small children, but the case numbers are so high that lockdown had to happen to prevent a total collapse of the NHS. 4 to 6 weeks of lockdown, to slow transmission, while rolling out vaccines to the NHS, carers and elderly, sounds like a good combination to get over the worst of this crisis.

It's not the government's fault that the virus mutated, and no matter what they did they would be criticised. Boris tried to compromise, by opening primary schools and delaying/staggering the opening of secondary schools, but people criticised him for that. Now he's closed all the schools he's being condemned for not doing it sooner by some, and for ruining childrens' education by others. He could find the cure for cancer and there'd be someone shouting "But why didn't you cure our diabetes/obesity/heart problems...? You just don't care about us!"

Boris is not in control of this pandemic - because nobody can control it. All governments around the world are doing their best to mitigate its effects and protect their populations, and ours has done better than many others. If you want to play the blame game, try thinking about the source of this pandemic, and the vile, cruel and unsanitary practices concerning live meat markets that led to the original virus outbreak. Then think back to the doctors in that country who spoke out, early on, in spite of their government trying to hush things up. Someone has blood on their hands, but it's not Boris, or our government.

There is a scientific argument that the way schools were open (with little to prevent spread of infection) encouraged mutations.

It is the government's fault that this part of it was such a shitshow.

[quote Sobeyondthehills]@Defenbaker

Apart from the States which countries are doing better than our government?

He is being condemned about closing Primary Schools late, because rather than going on TV and saying schools are safe and allowing thousands of children up and down the country to mix, he could have said, lets put a hold on schools for Monday, so that we can have a look at the figures tomorrow, because teachers and headteachers are saying it might not be safe. He could have done his whole speech that he did tonight, yesterday and parents up and down the country would still be in the same position, with the knowledge that their child hadn't mixed with another 30 bubbles

And Boris does have blood on his hands, as does governments of the last god knows how many years for stripping the NHS of their resources. I just wish there was a suitable option for someone to take over the government[/quote]
What do you mean apart from the states who is doing better than the UK? From where I'm looking the States are in an awful mess too!

And some countries are doing a lot better, Australia for one. I'm in Western Australia where we have had zero community transmission since April. Our Premier Mark McGowan shut the WA border very quickly back in March, the International border is still shut. NZ have also done very well. Decent leadership can make a great difference, and Boris has been the opposite of a good leader. I really hope things get better for you all soon.

But hey, you might, though you won't, just end up on a council estate like the rest of us. Tough shit

Oh yes, because it’s so easy just to “get a council flat” isn’t it?

People calling repeatedly for lockdown and to not send dc to school / schools to shut have been overruling all else. Then you get this total lockdown people clamoured for and you see the real impact. So bad.

@Flaxmeadow

I don't know anyone who has Covid so far, so why are we locking down

To protect our health, and other, services

Are you including the school staff in that? You know, the ones who you think it's acceptable to have dying from covid?

We don’t have a lockdown because some people wanted one, we have one because hospital capacity has been almost reached across the country. The rates have risen faster than expected.

Yes aware of that. I didn’t say it did bring it about why would it

Still didn’t stop people going on and on about wanting on with on about proper lockdown with thought to damage.

Typo yes they went on and on but typo