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Post by bayernoatcake on May 24, 2022 23:17:45 GMT
It’s not really debt though is it. There is another factor here that's not been brought in not only is there student loan debt but if I remember right banks let students build up high overdrafts too They do. And that will hurt. But there’s usually good deals and most people I know manage to keep on top of that. The actual loans though are more a tax. And a tax you only pay when you’re earning a decent amount. They imo represent good value for the people getting them. The number is big though and that puts people off. I don’t agree with the interest on it before you can pay it back either. Seems self defeating to me.
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Post by essexstokey on May 24, 2022 23:33:56 GMT
On housing we have a few things that have driven the price up firstly double income families with more disposable income hence simple supply and demand shooting up house prices and making it harder for single people to afford And property investors setting high rents as we don't have the housing stock this being a greed option of richer people which effect the lower paid greatly
If you scrap tuition fees and loans and put in an education Levi into ni for those attending university for repayment and replace with grants while at university it would be alot better Cost less and bring in more in long term If every student had fixed living grant housing plus food etc and tuition funding all the same
Then as they reach certain milestones in pay the ni increases at each level by say .5 then it allows for a better fairer system
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Post by Huddysleftfoot on May 25, 2022 7:06:22 GMT
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Post by Gob Bluth on May 25, 2022 7:45:35 GMT
Is this not a case for reducing tuition fees? Do you think if your tuition fees were less you would have been able to buy somewhere? I don’t want to end all tuition fees but I’m definitely in the camp of people who want to buy a home and have a stable job should be able to. Again I know I might be mixing issues up. Re your comment all debts are taken into consideration. Student loans aren’t. I know Foster said he took loans out but doesn’t the fact a student loan isn’t taken into account make it almost null and void when it comes to buying a home? I’m up for a remortgage and last month they asked me. I obviously have no proof it was taken into consideration but they did ask me.
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Post by bayernoatcake on May 25, 2022 7:57:55 GMT
Re your comment all debts are taken into consideration. Student loans aren’t. I know Foster said he took loans out but doesn’t the fact a student loan isn’t taken into account make it almost null and void when it comes to buying a home? I’m up for a remortgage and last month they asked me. I obviously have no proof it was taken into consideration but they did ask me. For your loan from the SLC? They really shouldn't. If it was a loan from the bank that you took out then yeah that makes sense. But they shouldn't do it for the normal student loan.
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Post by PotteringThrough on May 25, 2022 8:20:15 GMT
I’m up for a remortgage and last month they asked me. I obviously have no proof it was taken into consideration but they did ask me. For your loan from the SLC? They really shouldn't. If it was a loan from the bank that you took out then yeah that makes sense. But they shouldn't do it for the normal student loan. It doesn’t impact your credit score but it does impact your affordability profile. It is treated differently to a normal loan but it is something considered & is probably more prevalent now due to the increase in fees and the larger debt a lot have to carry with them. www.onlinemortgageadvisor.co.uk/mortgage-affordability/student-loans-and-mortgages/Can you get a mortgage with student loans? Having student loans shouldn’t prevent you from being able to get a mortgage, although lenders will take the debt into account. Unlike other debt, student loans don’t appear on your credit report but, depending on the level of debt you have to repay each month, have a student loan could impact affordability checks every lender carries out.
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Post by bayernoatcake on May 25, 2022 8:23:15 GMT
For your loan from the SLC? They really shouldn't. If it was a loan from the bank that you took out then yeah that makes sense. But they shouldn't do it for the normal student loan. It doesn’t impact your credit score but it does impact your affordability profile. It is treated differently to a normal loan but it is something considered & is probably more prevalent now due to the increase in fees and the larger debt a lot have to carry with them. www.onlinemortgageadvisor.co.uk/mortgage-affordability/student-loans-and-mortgages/Can you get a mortgage with student loans? Having student loans shouldn’t prevent you from being able to get a mortgage, although lenders will take the debt into account. Unlike other debt, student loans don’t appear on your credit report but, depending on the level of debt you have to repay each month, have a student loan could impact affordability checks every lender carries out. Genuinely never knew that! I can't imagine it has that much impact because the more you're repaying, the more you're earning.
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Post by PotteringThrough on May 25, 2022 8:42:31 GMT
It doesn’t impact your credit score but it does impact your affordability profile. It is treated differently to a normal loan but it is something considered & is probably more prevalent now due to the increase in fees and the larger debt a lot have to carry with them. www.onlinemortgageadvisor.co.uk/mortgage-affordability/student-loans-and-mortgages/Can you get a mortgage with student loans? Having student loans shouldn’t prevent you from being able to get a mortgage, although lenders will take the debt into account. Unlike other debt, student loans don’t appear on your credit report but, depending on the level of debt you have to repay each month, have a student loan could impact affordability checks every lender carries out. Genuinely never knew that! I can't imagine it has that much impact because the more you're repaying, the more you're earning. You’re probably right - I think the impact will be more linked to how long you’ll be paying it back for in comparison to the actual costs & how long your mortgage is.
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Post by essexstokey on May 25, 2022 9:27:21 GMT
sue gray report delivered
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Post by essexstokey on May 25, 2022 9:30:10 GMT
Former head of Civil Service accuses Boris Johnson of ‘intentionally’ misleading Parliament over partygate: ‘It is pretty clear’ link
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Post by essexstokey on May 25, 2022 9:33:36 GMT
even tory councils at it Northumberland Labour blast council leader after 'unlawful expenditure' uncovered in damning report link
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Post by essexstokey on May 25, 2022 9:37:37 GMT
Home Office staff worry they may be asked to act illegally in ‘culture of fear’ link
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Post by followyoudown on May 25, 2022 10:09:37 GMT
So civil servants and spads again...... From the Panorama feature on the Beeb: But all three point to the culture set by the prime minister himself, suggesting he "wanted to be liked" and for staff to be able to "let their hair down". One suggests they felt like they had the prime minister's permission to socialise even it meant breaking the rules because "he was there." "He may have just been popping through on the way to his flat because that's what would happen," they add. "You know, he wasn't there saying this shouldn't be happening. "He wasn't saying, 'Can everyone break up and go home? Can everyone socially distance? Can everyone put masks on?' "No, he wasn't telling anybody that. He was grabbing a glass for himself."Johnson made the rules . Johnson broke the rules. Johnson did nothing to stop blatant rule breaking in Downing St and people felt that he was at least condoning, if not even encouraging it, thereby increasing the chances of covid spreading - covid that people were dying from. Covid that required the 'rules' that millions were following in good faith, with the loneliness or mental health issues that brought for many. Rules that have meant record waiting lists for other health issues and threw the economy into such imbalance that we now have the cost of living crisis. Boris Johnson, a person who earlier that year had needed oxygen for covid treatment. If Johnson had a shred of decency he would resign, but then some people still think he is fit to be PM. It's a strange world . Anonymous people blaming someone else for themselves not following the rules, the police investigated and found nothing to fine the PM for.
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Post by RipRoaringPotter on May 25, 2022 10:26:59 GMT
From the Panorama feature on the Beeb: But all three point to the culture set by the prime minister himself, suggesting he "wanted to be liked" and for staff to be able to "let their hair down". One suggests they felt like they had the prime minister's permission to socialise even it meant breaking the rules because "he was there." "He may have just been popping through on the way to his flat because that's what would happen," they add. "You know, he wasn't there saying this shouldn't be happening. "He wasn't saying, 'Can everyone break up and go home? Can everyone socially distance? Can everyone put masks on?' "No, he wasn't telling anybody that. He was grabbing a glass for himself."Johnson made the rules . Johnson broke the rules. Johnson did nothing to stop blatant rule breaking in Downing St and people felt that he was at least condoning, if not even encouraging it, thereby increasing the chances of covid spreading - covid that people were dying from. Covid that required the 'rules' that millions were following in good faith, with the loneliness or mental health issues that brought for many. Rules that have meant record waiting lists for other health issues and threw the economy into such imbalance that we now have the cost of living crisis. Boris Johnson, a person who earlier that year had needed oxygen for covid treatment. If Johnson had a shred of decency he would resign, but then some people still think he is fit to be PM. It's a strange world . Anonymous people blaming someone else for themselves not following the rules, the police investigated and found nothing to fine the PM for. They found one thing to fine him for, didn't they?
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Post by essexstokey on May 25, 2022 10:29:30 GMT
report published wow
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Post by followyoudown on May 25, 2022 10:31:03 GMT
Anonymous people blaming someone else for themselves not following the rules, the police investigated and found nothing to fine the PM for. They found one thing to fine him for, didn't they? Yes over a birthday cake but nothing in relation to these civil servant and spad parties.
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Post by essexstokey on May 25, 2022 10:31:43 GMT
Four main areas stand out:
A nation in pandemic
Some behaviour at the gatherings is "difficult to justify" given the public was being asked to "accept far-reaching restrictions on their lives" Some of the events represent a "serious failure to observe" standards for government and those expected of the public at the time At times it seems there was "too little thought" given to what was going on in the country, the risk to public health, and how the events might appear to the public Failures of leadership
There were "failures of leadership and judgement" by different parts of No 10 and the Cabinet Office at different times Some of the events "should not have been allowed to take place". Other events "should not have been allowed to develop as they did" There should be "easier ways for staff to raise... concerns informally, outside of the line-management chain" A drinking culture
The "excessive consumption of alcohol is not appropriate in a professional workplace at any time" Every government department should have a "clear and robust policy in place covering the consumption of alcohol"
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Post by essexstokey on May 25, 2022 10:35:08 GMT
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Post by theonlooker on May 25, 2022 10:36:13 GMT
Surely to god he can't survive this?
If he does the bastard is absolutely bullet proof.
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Post by thewonderstuff on May 25, 2022 10:38:25 GMT
This is the bit that struck me the most, '“I was made aware of multiple examples of a lack of respect and poor treatment of security and cleaning staff,”
And that is actually the crux of the whole thing. They think themselves different to you, they think themselve better than you. Rules are for you not them
The Bullingdon Club mentality writ large.
Disgusting people the lot of them and none more so than the despicable Johnson at the head of it all.
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Post by Huddysleftfoot on May 25, 2022 10:38:44 GMT
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Post by Huddysleftfoot on May 25, 2022 10:39:26 GMT
They found one thing to fine him for, didn't they? Yes over a birthday cake but nothing in relation to these civil servant and spad parties. LOL
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Post by oggyoggy on May 25, 2022 10:51:34 GMT
Did you pay 12% interest on the loans? Was the debt £50k? That’s what students face today. It’s not really debt though is it. It has to be repaid monthly. Paying perhaps an average of £200 a month for 30 years is £72,000. And with 12% interest, you will never repay the lot, and the remaining sums then have to be repaid by the tax payer. Why not get the rich to subsidise this more? They can afford it, and have the privilege of choosing for their kids to not have to take on this debt for themselves.
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Post by Huddysleftfoot on May 25, 2022 10:53:16 GMT
They found one thing to fine him for, didn't they? Yes over a birthday cake but nothing in relation to these civil servant and spad parties. You will eventually die on this hill mate.
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Post by oggyoggy on May 25, 2022 10:54:30 GMT
Paying a debt for 30 years from your monthly net salary is not irrelevant. The fact it then gets written off highlights the ridiculousness of the current system. Who pays for that written off debt? The tax payer! www.dailymail.co.uk/news/article-9753557/amp/Almost-10-billion-paid-student-loans-2020-written-off.htmlSo that completely undermines Partick’s argument that poor tax payers should contribute towards student debts. They already do! In my system, the richest people would contribute more. Changing the interest rate and means testing to subsidise poorer students would be good for society. It would benefit me in my situation because then any student debt my children have would incur less interest and could be repaid. It should be irrelevant otherwise you have made a bad choice on your course..... Yes lots of people never pay back completely or at all, plot twist the previous system no one paid back so the taxpayer paid it all. Yes, so why not pay less to the student loans company charging students 12% interest, and instead subsidise the tuition fees for the poorer students via richer tax payers. It will save the revenue millions, and help social mobility and to level up.
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Post by oggyoggy on May 25, 2022 10:57:34 GMT
Surely to god he can't survive this? If he does the bastard is absolutely bullet proof. It’s not hard to survive as PM. You either have to resign or your own party turn on you. There is no other way for him to lose his job. He will never resign. So it is down to his party. But so many are complicit with him that they know if he goes, they go. Also Starmer doesn’t want him to go as he is now toxic to the public. The tory party needs a bigger clean out of dross than we did after relegation.
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Post by oggyoggy on May 25, 2022 11:02:34 GMT
Strange that the party in the No10 flat was not investigated. That was considered the event of most concern as it was a party hosted by Carrie (so obviously not a work event) that the PM attended along with Carrie’s mates, and they played Abba loudly.
Why wasn’t that even looked into?
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Post by essexstokey on May 25, 2022 11:03:33 GMT
Conclusions 1. The general findings set out in my update of 31st January 2022 still stand. 2. Whatever the initial intent, what took place at many of these gatherings and the way in which they developed was not in line with Covid guidance at the time. Even allowing for the extraordinary pressures officials and advisers were under, the factual findings of this report illustrate some attitudes and behaviours inconsistent with that guidance. It is also clear, from the outcome of the police investigation, that a large number of individuals (83) who attended these events breached Covid regulations and therefore Covid guidance. 3. I have already commented in my update on what I found to be failures of leadership and judgment in No 10 and the Cabinet Office. The events that I investigated were attended by leaders in government. Many of these events should not have been allowed to happen. It is also the case that some of the more junior civil servants believed that their involvement in some of these events was permitted given the attendance of senior leaders. The senior leadership at the centre, both political and official, must bear responsibility for this culture. 4. In my update I made a number of general limited findings, I am pleased progress is being made in addressing the issues I raised. I commented on the fragmentary and complicated leadership structures in No 10. Since my update there have been changes to the organisation and management of Downing Street and the Cabinet Office with the aim of creating clearer lines of leadership and accountability and now these need the chance and time to bed in. 5. I found that some staff had witnessed or been subjected to behaviours at work which they had felt concerned about but at times felt unable to raise properly. I was made aware of multiple examples of a lack of respect and poor treatment of security and cleaning staff. This was unacceptable. I am reassured to see that steps have since been taken to introduce more easily accessible means by which to raise concerns electronically, in person or online, including directly with the Permanent Secretary in No 10. I hope that this will truly embed a culture that welcomes and creates opportunities for challenge and speaking up at all levels. 6. I also made a recommendation that steps should be taken to ensure that every Government Department has a clear and robust policy in place covering the consumption of alcohol in the workplace. Since then guidance has been issued to all Government Departments. 37 7. The matter of what disciplinary action should now take place is outside of the scope of this report and is for others to consider. Nothing set out in this report can be taken as constituting a disciplinary investigation or findings of fact appropriate for such a purpose. However, I do offer a reflection: while there is no excuse for some of the behaviour set out here it is important to acknowledge that those in the most junior positions attended gatherings at which their seniors were present, or indeed organised. I have no doubt that they will have taken the learning from this experience and, while this is not a matter for me, I hope this will be taken into account in considering any disciplinary action. 8. Many will be dismayed that behaviour of this kind took place on this scale at the heart of Government. The public have a right to expect the very highest standards of behaviour in such places and clearly what happened fell well short of this. It is my firm belief, however, that these events did not reflect the prevailing culture in Government and the Civil Service at the time. Many thousands of people up and down the country worked tirelessly to deliver in unprecedented times. I remain immensely proud to be a civil servant and of the work of the service and the wider public sector during the pandemic.
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Post by Huddysleftfoot on May 25, 2022 11:11:18 GMT
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Post by Huddysleftfoot on May 25, 2022 11:13:38 GMT
Strange that the party in the No10 flat was not investigated. That was considered the event of most concern as it was a party hosted by Carrie (so obviously not a work event) that the PM attended along with Carrie’s mates, and they played Abba loudly. Why wasn’t that even looked into? The "Abba" party yes? Interesting how the Met began to investigate, therefore preventing Sue Gray from digging any deeper. Probably the one event that was the most illegal at the time also. Bizarre.
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