Who does he think he is?
Jan 15th 2003, 1:37 pm
#31
Senior member
Joined: Sep 2002
Location: Paris
Posts: 835
Originally posted by Vicky88
PB
You state the debt levels here would not be allowed in the UK , had a mate who was allowed to borrow 12 times his income for a rental after 12 months he was poorer and wiser
I think it is unlikely that any official lending source in Australia would allow that kind of borrowing, however if you are hanging out with the types who borrow from loan sharks it would be possible. Banks are quite strict with the loans they make to individuals. Of course is you are some corrupt corporation whose Chairman is mates with the Bank Manager that is ok.
As for UK debt levels, don't go thinking it is much different. Taken from the below website.
I looked up what was referred to as "the level of debt". I find myself with some serious concerns about the way that debt is accumulating in the United Kingdom. I discovered that, thanks to the Bank of England, data have now been produced to show that British households are on course for record-breaking debts of £800 billion, making them the most indebted in Europe. It may well be that lower interest rates have caused an increase in borrowing and, on average, those with mortgages now have total loans of nearly £63,000 each. I am much more concerned that on average individuals have £1,500 outstanding on credit and store cards and £3,000 on other loans
http://www.parliament.the-stationery...t/21021-22.htm
PB
You state the debt levels here would not be allowed in the UK , had a mate who was allowed to borrow 12 times his income for a rental after 12 months he was poorer and wiser
I think it is unlikely that any official lending source in Australia would allow that kind of borrowing, however if you are hanging out with the types who borrow from loan sharks it would be possible. Banks are quite strict with the loans they make to individuals. Of course is you are some corrupt corporation whose Chairman is mates with the Bank Manager that is ok.
As for UK debt levels, don't go thinking it is much different. Taken from the below website.
I looked up what was referred to as "the level of debt". I find myself with some serious concerns about the way that debt is accumulating in the United Kingdom. I discovered that, thanks to the Bank of England, data have now been produced to show that British households are on course for record-breaking debts of £800 billion, making them the most indebted in Europe. It may well be that lower interest rates have caused an increase in borrowing and, on average, those with mortgages now have total loans of nearly £63,000 each. I am much more concerned that on average individuals have £1,500 outstanding on credit and store cards and £3,000 on other loans
http://www.parliament.the-stationery...t/21021-22.htm
Jan 15th 2003, 1:51 pm
#32
Y Ddraig Goch
Joined: Aug 2002
Location: Body is in Brissie. Heart and soul has long flown home.
Posts: 3,722
Originally posted by Vicky88
PB
I think it is unlikely that any official lending source in Australia would allow that kind of borrowing, however if you are hanging out with the types who borrow from loan sharks it would be possible. Banks are quite strict with the loans they make to individuals. Of course is you are some corrupt corporation whose Chairman is mates with the Bank Manager that is ok.
http://www.parliament.the-stationery...t/21021-22.htm
PB
I think it is unlikely that any official lending source in Australia would allow that kind of borrowing, however if you are hanging out with the types who borrow from loan sharks it would be possible. Banks are quite strict with the loans they make to individuals. Of course is you are some corrupt corporation whose Chairman is mates with the Bank Manager that is ok.
http://www.parliament.the-stationery...t/21021-22.htm
The Government here has even pulled the banks up on this a few times... they are lending too much money here to people who can ill afford to make the repayments.
My mate has just bought/built a house, now he's not wealthy at all, he's in the low income bracket, has 6 kids! His mortgage is almost a hundred per cent loan (he used his 14 thou grant for the deposit as he had no money himself), he keeps adding to the loan, new car etc... it's ridiculous what he has borrowed, and this is borrowed from a major bank... they want you to borrow.
cheers
Jan 15th 2003, 2:12 pm
#33
Forum Regular
Joined: Jan 2002
Location: Sydney
Posts: 176
We were offered 5 times our joint salaries by one bank Westpac (we didn't borrow anything like that much in the end). They basically asked what CBA would lend us and said they could lend more...whatever we wanted, within (limited) reason! Personally, I think they lend too much and that when interest rates eventually rise, a lot of people will be in trouble. When they made the offer, my wife hadn't even got a job. They based their offer on the salary she made in the UK and applied the full conversion rate to it, assuming she would be able to get that in Sydney!!
Jan 15th 2003, 2:59 pm
#34
Banned
Joined: Aug 2002
Location: Perth Arse end of the planet
Posts: 7,037
Originally posted by madmancunian
No PB when you applied Aus was more willing to let in any old dross - now they realise Aus has filled up with nutters like you they are more discerning. Got your flight back booked yet mate?
MM
No PB when you applied Aus was more willing to let in any old dross - now they realise Aus has filled up with nutters like you they are more discerning. Got your flight back booked yet mate?
MM
Wondered why I had so many points and they where so keen to let me in ., the guy at Australia house did say they where getting tighter on who they let in looking round all I can say is what a joke.
:scared: 
Last edited by pommie bastard; Jan 15th 2003 at 3:15 pm.
Jan 15th 2003, 3:13 pm
#35
Banned
Joined: Aug 2002
Location: Perth Arse end of the planet
Posts: 7,037
Originally posted by Vicky88
PB
You state the debt levels here would not be allowed in the UK , had a mate who was allowed to borrow 12 times his income for a rental after 12 months he was poorer and wiser
I think it is unlikely that any official lending source in Australia would allow that kind of borrowing, however if you are hanging out with the types who borrow from loan sharks it would be possible. Banks are quite strict with the loans they make to individuals. Of course is you are some corrupt corporation whose Chairman is mates with the Bank Manager that is ok.
As for UK debt levels, don't go thinking it is much different. Taken from the below website.
I looked up what was referred to as "the level of debt". I find myself with some serious concerns about the way that debt is accumulating in the United Kingdom. I discovered that, thanks to the Bank of England, data have now been produced to show that British households are on course for record-breaking debts of £800 billion, making them the most indebted in Europe. It may well be that lower interest rates have caused an increase in borrowing and, on average, those with mortgages now have total loans of nearly £63,000 each. I am much more concerned that on average individuals have £1,500 outstanding on credit and store cards and £3,000 on other loans
http://www.parliament.the-stationery...t/21021-22.htm
PB
You state the debt levels here would not be allowed in the UK , had a mate who was allowed to borrow 12 times his income for a rental after 12 months he was poorer and wiser
I think it is unlikely that any official lending source in Australia would allow that kind of borrowing, however if you are hanging out with the types who borrow from loan sharks it would be possible. Banks are quite strict with the loans they make to individuals. Of course is you are some corrupt corporation whose Chairman is mates with the Bank Manager that is ok.
As for UK debt levels, don't go thinking it is much different. Taken from the below website.
I looked up what was referred to as "the level of debt". I find myself with some serious concerns about the way that debt is accumulating in the United Kingdom. I discovered that, thanks to the Bank of England, data have now been produced to show that British households are on course for record-breaking debts of £800 billion, making them the most indebted in Europe. It may well be that lower interest rates have caused an increase in borrowing and, on average, those with mortgages now have total loans of nearly £63,000 each. I am much more concerned that on average individuals have £1,500 outstanding on credit and store cards and £3,000 on other loans
http://www.parliament.the-stationery...t/21021-22.htm
Credit cards are taking over in Australia also its a live now pay never land , interest rates are always higher in Australia only 1%right now but when we came they were 5% higher.
the way house price have taken off in the UK equity for most would be better than in Australia so its not all bad there is it.
Jan 15th 2003, 3:53 pm
#36
BE Enthusiast
Joined: Sep 2002
Location: Tampa, FL
Posts: 916
..
Last edited by suebo; Jan 16th 2003 at 3:24 am.
Jan 15th 2003, 4:49 pm
#37
Banned
Joined: Aug 2002
Location: Perth Arse end of the planet
Posts: 7,037
Originally posted by suebo
OK PB, I guess you can put that whisky on the shelf, coz I have read all the ABSOLUTE CRAP that you have written about WA and have held off saying anything for the last two months. Now all I can say is that you are a bitter son of a bitch that should piss off out of Australia and never come back. We don't need some f@ck head like you there. You have done nothing but put OZ down. Why the hell are you there - yeah I know u r going home - why not 5 years ago????r u that thick that u could not work it out earlier that u were not happy....dir..... . I was nice to begin with, when you slagged my home off, but you have gone beyond a joke. BTW where do you work, so I can tell your boss how you spend your days.
I am going to the OB when I get there, but there is no chance I will be asking after you, shame - in the beginning i wanted to meet you, now I wanna kick your head in.
There is only so much shit someone can read... Go back to UK and see how u fend there, bet we never hear from you again on here, maybe you will appreciate OZ when u have been back to "THE GOOD LIFE"...H A H A .............
Took me a long time of reading your shit to write this. I will cheers u in the OB.............
BYEBYE....
OK PB, I guess you can put that whisky on the shelf, coz I have read all the ABSOLUTE CRAP that you have written about WA and have held off saying anything for the last two months. Now all I can say is that you are a bitter son of a bitch that should piss off out of Australia and never come back. We don't need some f@ck head like you there. You have done nothing but put OZ down. Why the hell are you there - yeah I know u r going home - why not 5 years ago????r u that thick that u could not work it out earlier that u were not happy....dir..... . I was nice to begin with, when you slagged my home off, but you have gone beyond a joke. BTW where do you work, so I can tell your boss how you spend your days.
I am going to the OB when I get there, but there is no chance I will be asking after you, shame - in the beginning i wanted to meet you, now I wanna kick your head in.
There is only so much shit someone can read... Go back to UK and see how u fend there, bet we never hear from you again on here, maybe you will appreciate OZ when u have been back to "THE GOOD LIFE"...H A H A .............
Took me a long time of reading your shit to write this. I will cheers u in the OB.............
BYEBYE....
This is not the real Sue I have been a little bit hard on you , sorry but it does come easy to have a go at WA shame on me .
Bitter I hope not and I will miss the God Zone as its been called only because of some of the people I have met here , as I have tried to explain life is limited in WA , could be the reason that you are in America ?
My boss cares not a jot about his employees far too much of a class system here for that no hands on , spents the day re-inventing what the company should be without knowing what it is.
But I like your style and I shall be honoured to stand you a drink you have every right to defend WA as I have to knock it.
I did a lot better in the UK sorry to say for a good many years but have given your country more than enough of my time on this planet plus never taken any hand outs and have worked and paid my taxes unlike a lot here so I have given all I can.
Jan 15th 2003, 10:50 pm
#38
BE Enthusiast
Joined: Jul 2002
Location: was london now glenelg sa
Posts: 455
Originally posted by Vicky88
Unfortunately the various government bodies in Australia love those unfortunates who are addicted to the pokies because it gives them lots of extra taxes to waste.
Personally I believe pokies should be outlawed everywhere except in the casinos. Having them in the pubs makes it too easy.
Unfortunately the various government bodies in Australia love those unfortunates who are addicted to the pokies because it gives them lots of extra taxes to waste.
Personally I believe pokies should be outlawed everywhere except in the casinos. Having them in the pubs makes it too easy.
Jan 16th 2003, 12:19 am
#39
saoirse
Joined: Oct 2002
Posts: 6,248
Originally posted by pommie bastard
The only exaggeration I have read on this forum has been by the dreamers , I understate most of my points good or bad.
Booze is very important to your Aussies why else would they sell beer in blocks of 24-30 instead of 6 packs , and I must admit to spending more of my income on it here than the UK only because its so expensive like most other pleasures in the land of plenty.
Drinking in the UK is a social thing heres its must makes the place liveable, I enjoy Pub drinking unlike the locals who sit in their back yards and drink to be anti-social to anyone near them true piss heads.
The only exaggeration I have read on this forum has been by the dreamers , I understate most of my points good or bad.
Booze is very important to your Aussies why else would they sell beer in blocks of 24-30 instead of 6 packs , and I must admit to spending more of my income on it here than the UK only because its so expensive like most other pleasures in the land of plenty.
Drinking in the UK is a social thing heres its must makes the place liveable, I enjoy Pub drinking unlike the locals who sit in their back yards and drink to be anti-social to anyone near them true piss heads.
I'm sure you would think drinking in backyards anti social if you don't get asked ANYWHERE by ANYONE. Nearly every weekend a group of between 6 and 25 of us get together, for parties, barbeques, picnics, day trips or weekends away. We meet loads of new people, see lots of new places, in short we have a life.... compare that to sitting in the SAME seat, in the SAME pub, moaning about the state of your life to the SAME people every weekend...Who's anti social, (and bigoted and small minded) now?
Jan 16th 2003, 12:36 am
#40
Magnetic Member
Joined: Dec 2002
Location: Brisbane
Posts: 90
Originally posted by Call me AL
PB
I'm sure you would think drinking in backyards anti social if you don't get asked ANYWHERE by ANYONE. Nearly every weekend a group of between 6 and 25 of us get together, for parties, barbeques, picnics, day trips or weekends away. We meet loads of new people, see lots of new places, in short we have a life.... compare that to sitting in the SAME seat, in the SAME pub, moaning about the state of your life to the SAME people every weekend...Who's anti social, (and bigoted and small minded) now?
PB
I'm sure you would think drinking in backyards anti social if you don't get asked ANYWHERE by ANYONE. Nearly every weekend a group of between 6 and 25 of us get together, for parties, barbeques, picnics, day trips or weekends away. We meet loads of new people, see lots of new places, in short we have a life.... compare that to sitting in the SAME seat, in the SAME pub, moaning about the state of your life to the SAME people every weekend...Who's anti social, (and bigoted and small minded) now?
No, I suppose not
Jan 16th 2003, 12:55 am
#41
Gone Senile Member
Joined: Sep 2001
Location: Sydney
Posts: 3,014
Originally posted by magnetman
Hey Al, you're from Perth, why don't you invite PBto your weekends?!
No, I suppose not
Hey Al, you're from Perth, why don't you invite PBto your weekends?!
No, I suppose not
Jan 16th 2003, 3:22 am
#42
BE Enthusiast
Joined: Sep 2002
Location: Tampa, FL
Posts: 916
PB
I would rather be in Perth than in the US any day. The reason I am here is for the experience and that is all. We were a lot better off in Australia than here. And we can move back any time we want, but while we are over this side of the world, we are travelling and seeing as much as we can. That is one (and there are not many) of the advantages of being on this side of the world. I think you are going to be in for a shock when you move back to UK.
I would rather be in Perth than in the US any day. The reason I am here is for the experience and that is all. We were a lot better off in Australia than here. And we can move back any time we want, but while we are over this side of the world, we are travelling and seeing as much as we can. That is one (and there are not many) of the advantages of being on this side of the world. I think you are going to be in for a shock when you move back to UK.
Jan 16th 2003, 4:08 am
#43
huge,throbbing member
Joined: Jul 2002
Location: Maaaaanjerra WA
Posts: 833
Re: Who does he think he is?
Originally posted by Grub
PB quotes:
Her UK wage sounds very low none of my family would get out of bed for less 30K in pounds per year , then again shes hardley well paid here either nearly 40k in dollars which could mean nearly 35k is hardley big money.
PB quotes:
Her UK wage sounds very low none of my family would get out of bed for less 30K in pounds per year , then again shes hardley well paid here either nearly 40k in dollars which could mean nearly 35k is hardley big money.
BB-didn't wanna get involved but...
Jan 16th 2003, 8:17 am
#44
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Thread Starter
Joined: Aug 2002
Location: Mansion in Padbury
Posts: 804
Originally posted by Call me AL
PB
I'm sure you would think drinking in backyards anti social if you don't get asked ANYWHERE by ANYONE. Nearly every weekend a group of between 6 and 25 of us get together, for parties, barbeques, picnics, day trips or weekends away. We meet loads of new people, see lots of new places, in short we have a life.... compare that to sitting in the SAME seat, in the SAME pub, moaning about the state of your life to the SAME people every weekend...Who's anti social, (and bigoted and small minded) now?
PB
I'm sure you would think drinking in backyards anti social if you don't get asked ANYWHERE by ANYONE. Nearly every weekend a group of between 6 and 25 of us get together, for parties, barbeques, picnics, day trips or weekends away. We meet loads of new people, see lots of new places, in short we have a life.... compare that to sitting in the SAME seat, in the SAME pub, moaning about the state of your life to the SAME people every weekend...Who's anti social, (and bigoted and small minded) now?
Jan 16th 2003, 9:13 am
#45
BE Enthusiast
Joined: Sep 2002
Location: Tampa, FL
Posts: 916
I do apologise to anyone that read my post. There should be better sensorship on here, it should not have been allowed through. I deleted it, but PB has got it on there, so remove it please PB.
Afterall what can you expect from a p#sshead anti-social Aussie!!!!
Afterall what can you expect from a p#sshead anti-social Aussie!!!!
