Getting on the property ladder

[Seeker]

I suggest you leave your dying, post-industrial hell-hole and become a travelling English teacher like me.

[Flubber]

Re: Re: Re: Re: Re: Re: Getting on the property ladder

Originally posted by Kidicious


Report her to who? About the only thing you can do is take her to court for reimbursement if you are going threw the divorce. In my case my ex is a drug addict, and I'll never get a dime. She used my identity during the divorce proceedings to obtain credit, and the creditors don't care. Maybe they won't be able to collect from me, but they won't stop trying, and they won't take it off my credit.

She's also used my identity since the divorce, and I can take that off, but it's an on going problem.

I would report it to the credit card company. I don't expect you to get anything from your ex . .. the key is to stop being responsible for her folly.

If it were a real problem , I would cancel all my cards and get new ones. If she used my identity to obtain additional credit I would report the identity theft to the police. If I had a big blot on my credit history that shouldn't be there, I would get it removed . . . But I do have a few advantages here in that I have great credit and as a lawyer I don't mind dragging a credit agency into court. But its never come to that . They deal in massive numbers so its rarely worth their time to fight someone that has the resources and inclination to fight.

Note also that I am careful to check my credit card (I only have one) online about every 3 days so I would have early notice of any improper charges. reporting such things immediately helps a LOT

This doesn't stop somone from getting a new card/credit by stealing my identity but that is clearly a crime for which I am in no way responsible. Put simply the credit companies should be more careful.

[Flubber]

Re: Re: Re: Re: Re: Re: Getting on the property ladder

Originally posted by Kidicious


She used my identity during the divorce proceedings to obtain credit, and the creditors don't care. Maybe they won't be able to collect from me, but they won't stop trying, and they won't take it off my credit.

I find it odd that

1. they don't care they won't get paid
2. they think sonehow YOU should be responsible when clearly a victim of identity theft-- this should be no different than if I got credit in your name-- its sloppiness and a failure to have any proper identification procedures by the credit-granting agencies

[Kidlicious]

Re: Re: Re: Re: Re: Re: Re: Getting on the property ladder

Originally posted by Flubber


I find it odd that

1. they don't care they won't get paid
2. they think sonehow YOU should be responsible when clearly a victim of identity theft-- this should be no different than if I got credit in your name-- its sloppiness and a failure to have any proper identification procedures by the credit-granting agencies

I think they have a different view than you do about spousal liability. Maybe it's different in Canada.

Anyway, identity theft is not an easy thing to prevent once someone has your information, is intent on using it, and you don't have any idea where they are. You have to keep cleaning it up.

[Flubber]

Re: Re: Re: Re: Re: Re: Re: Re: Getting on the property ladder

Originally posted by Kidicious


I think they have a different view than you do about spousal liability. Maybe it's different in Canada.

Perhaps it is. If my wife goes out tomorrow and racks up her credit card, I have no legal responsibility for that. If it were a joint card, I would be responsible.

Originally posted by Kidicious

Anyway, identity theft is not an easy thing to prevent once someone has your information, is intent on using it, and you don't have any idea where they are. You have to keep cleaning it up.

I have no doubt it would be a total mess to clean it up . .. you have to keep proving its identity theft. But in the end result, you shouldn't have to pay.

Oh are the police involved in this? While some police might tend to consider this a "domestic or family matter" I would try to get them involved. This is criminal and its messing up your life.

[Provost Harrison]

Re: Re: Getting on the property ladder

Originally posted by MikeH


You've got no chance. Don't worry about it, everyone's in the same boat.

I'm 30, earn a lot more than you, have a working girlfriend with a well paid job and we're just about getting to the stage where we can buy.

It's a bit annoying because the only way I could easily afford a house is if I was married off...but that isn't the case and I don't see why it should be the case for me to be able to get a property...it just means a lot of saving otherwise, could take many, many years...

[Dinner]

Re: Re: Getting on the property ladder

Originally posted by MikeH
You've got no chance. Don't worry about it, everyone's in the same boat.

I'm 30, earn a lot more than you, have a working girlfriend with a well paid job and we're just about getting to the stage where we can buy.

Yes, it is hard. I didn't manage it until 28 and even then I had to recieve help from my family. I have to admit having a girlfriend/wife would have helped a lot though.

[JohnT]

Originally posted by Oerdin
Ahh, if the rules are different then all bets are off. In the US you can get a HUD first time buyer loan with just 1% down or at least you used to be able to back when Clinton was President. I have no clue if Bush and the Republican Congress have killed this Clinton era program but they typically hate anything Clinton did so this might not be available any more.

However, when people start losing their houses because their ARM's went up on their oversized, no-down-payment balloon mortgages, you'll be blaming that on Bush too.

[Kontiki]

Re: Re: Re: Getting on the property ladder

Originally posted by Provost Harrison


It's a bit annoying because the only way I could easily afford a house is if I was married off...but that isn't the case and I don't see why it should be the case for me to be able to get a property...it just means a lot of saving otherwise, could take many, many years...

That's quite the sense of entitlement you have there. Is it terribly unfair that you don't have your own private jet too?

[JohnT]

Why is affordable housing an "entitlement"?

[Provost Harrison]

Re: Re: Re: Re: Getting on the property ladder

Originally posted by Kontiki


That's quite the sense of entitlement you have there. Is it terribly unfair that you don't have your own private jet too?

Actually how is that anything to do with sense of entitlement...my parents managed it because they weren't priced out of the market, yet I am...that is hardly anything like it...

[Kidlicious]

Re: Re: Re: Re: Re: Re: Re: Re: Re: Getting on the property ladder

Originally posted by Flubber
Oh are the police involved in this? While some police might tend to consider this a "domestic or family matter" I would try to get them involved. This is criminal and its messing up your life.

They wouldn't do anything when we were married. Now we're divorced and she's still doing it. So if I can prove it's her now she'll definitely be in trouble.

[Provost Harrison]

Forget it, I think I misread.

The fact is though, they are just going to have to build more properties...the point is though, I am one of the better equipped people in terms of income. The majority of people who own property only seem to do so because they happened to buy many years ago before this "boom".

[Kontiki]

Re: Re: Re: Re: Re: Getting on the property ladder

Originally posted by Provost Harrison


Actually how is that anything to do with sense of entitlement...my parents managed it because they weren't priced out of the market, yet I am...that is hardly anything like it...

Seems to me you're moaning about not being able to afford to buy a place unless you made more money or were married. "I don't see why it should be the case" and all that. Your parents had a much easier time with it because it was cheaper back then. Now it's not. I don't see where "should" comes into it at all.

[Provost Harrison]

Because there should be more property available, rather than creating a situation where most of my age group are shafted...it's about time they sorted out building more places...