Ambridge is in the doldrums. When will Pip pop? Does anybody even care? And Anisha’s off, leaving Rex in the (pig) trough? Discuss the Archers here.

[PseudoBadger]

Sorry about the title, nothing particularly inspiring in the storylines currently

No spoilers please, there’s a thread for that.

Ooh equity release... How old are Brian and Jenny?!

Brine and Jenny realising that there is such a thing as a mortgage, and raising the money that way.

I would be amazed if the partnership doesn't already have money borrowed against all or part of Home Farm - that is fairly standard in farm businesses of that size.

Going back to Brookfield, I think it is probable that the land is owned between the archer siblings (and Ruth?) But the farming partnership is Ruth, David and maybe Pip. So they derive an income from farming Brookfield but the land is not a partnership asset. If the asset is sold the siblings get a share. As they don't farm and aren't in the partnership, they don't get any income from the farm day to day. I'm sure this was discussed endlessly during the Great Move North That Never Was.

Ah sorry I thought she’d suggested selling

dairy Brian got very uppity with David when David asked why they didn't borrow rather than sell, it sounded like no debt but I suppose could have been no more debt

Brian has that house mortgaged to the hilt. Jennifer is in the dark about it.

Is my guess.

I'm with Kate.

I suspect Jenny is savvy enough to insist that the house is at least partly in her name, in which case it would be impossible to mortgage it without her knowing about it

Brian is perfectly capable of lying to Jenny. Jenny thinks she knows Brian's limits, but has been proved wrong time and again.

Going back to Brookfield, I think it is probable that the land is owned between the archer siblings (and Ruth?) But the farming partnership is Ruth, David and maybe Pip. So they derive an income from farming Brookfield but the land is not a partnership asset

If the land isn't a partnership asset the partnership should pay rent to the individual owners. In Scotland the partnership is a separate legal persona and could be the tenant of the individual owners. It is slightly different in England as a partnership is not a legal persona but the landowners who are not occupying the land and allow David to occupy whilst they get none of the farm income should be compensated for not having the use of their land. Maybe there is rent paid but it's never mentioned.

The Brookfield Inheritance background from Keri Davies. Unfortunately ends where the questions begin!

bucking but the others seemed to think the house was a partnership asset? So Brian couldn't mortgage against it surely?

I don't think Brookfield isa partnership but a company, with two types of shares.

Brian may be capable of lying to Jenny, but I question whether he would go so far as to forge her signature and get someone to impersonate her if the mortgage company insists on her receiving separate legal advice.

I question whether he would go so far as to forge her signature

Would he need to? Before the new partnership agreement wasn't Brian the sole owner/manager? In which case if the house was a farm asset would Jenny need be involved in mortgaging the house?

I don't see why downsizing is such a shocking thing to consider compared to destroying a business. For once I'm team Kate. She has built up a business there in the face of much derision from Brian and Adam and she is as entitled to protect her business as Adam protects his rotting strawberries or Brian protects his substantial home

I am a bit bemused by people complaining about characters acting in appalling ways.

That's what we all listen for, surely? If every person in TA went about their business fairly and legally, (incorrect application of the law by SWs notwithstanding) it would be incredibly boring.

I get what you are saying but it can be wearisome to hear it all the time. We've got David being horrible to Josh, Brian being horrible to his entitled brood, Alistair cracking up. Will and his custody campaign. Freddie and Lily both in trouble. Emma and her house-owning dreams shattering. Its relentless.

I'm actually quite interested in the farming storylines. I'd love to hear more about what's happening at the herbal leys and whether Ruth's new herd are working out.

I quite enjoyed listening to Jazzer express his contentment about sitting in the sunshine with his beer and ploughman's. Ok he got a bit wistful about Fallon but she's becoming annoying so he's better off without.

I came out at work this week. I mentioned my knowledge of farming issues was based on listening to the Archers!

C8H, Jenny's signature would be involved one way or another, because mortgage companies are very wary of spouses claiming prior rights and therefore tend to make it a condition of any loan that they sign something saying they consent to the mortgage and that they be separately legally advised.

Thank you for the new title Pseudo, the thought of selling the house at Homefarm is both shocking and logical - Brian & Jenny have one teen living at home, that’s all, they don’t need a big family house any more. (Reading this through before posting I remembered Kate lives there too, she’d be making herself homeless). If Adam had settled down earlier they might easily have decided to move out to give him the space, instead they could move into one of the holiday cottages. After all, Phil & Jill moved out of Brookfield.

Bibesia Does that hold for houses owned by companies? I was just thinking if the company owned the house and Brian mortgaged it before the formation of the new partnership it may be more in debt than she realisesl

Did they not mortgage up to the hilt to buy the extra land a few years back?

I get the sense that Helen and Tom aren't that bothered about the affordable housing.

www.bbc.co.uk/programmes/profiles/4wGJsYGWMNnDn1NpG8DzjwY/jennifer-aldridge

Why is Adam "Adam Macy" not "Travers-Macy" and why is Debbie an Aldridge, not the same surname as Adam?

Different fathers. Adam was illegitimate and would have been an Archer when he was little. Jennifer then married Roger Travers-Macy who (I think) adopted Adam. Debbie is Roger's child. Can't remember why Adam dropped the Travers bit. Debbie is an Aldridge because she chooses to be, I suppose. She married and divorced. She's always been exceptionally close to Brian, although he's her stepfather, not her bio father, who disappeared from her life when she was quite young. I suppose Adam never did that because he left Ambridge much sooner after Jennifer married Brian than Debbie did and was at university and then in Africa for a very long time, so that bit more detached from Brian.

I just can't be bothered with the Home Farm story - it feels like Brookfield all over again. What exactly was the point of the partnership in the first place? I can't believe Brian would be so unaware of what was involved and what it would mean. It just feels like a total nonsense which doesn't make for good drama.

As I understand it with a mortgage, from the mortgage company's point of view they don't want anyone living in the house who could claim a prior right over them if they had to repossess. Offhand I don't really see why that should change simply because the mortgagor is a company.