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[ExpertInAField]

I am such an idiot. How could I forget such a monumental occasion.

[ExpertInAField]

The statistics don't seem to show what you suggest.

There was a population boom (of germans) in the 1980's to 1990's with barely a blip shown on the average house prices. There was an increase in immigration from the early 2010's to 2016, but has dropped off considerably for the past 5...

[ExpertInAField]

It's an interesting one for sure. Your mention about our european neighbours being renters as opposed to homeowners intrigued me and made me do a little research.

Germany is an interesting one, as it would appear that the price of houses was dropping for a number of years from 1980 to...

[ExpertInAField]

You cannot be obliged to pay for professional cleaning at the end of a tenancy, but you do need to put the premises back to the cleanliness state to which it was originally provided.

If the premises was untidy and unclean, then the landlord is well within their rights to charge you the...

[ExpertInAField]

I was slightly out. I was recalling information from the English Housing Survey. The most up to date report states 45% of households have no savings. I believe the report from the year before gave that percentage as a little higher.

https://assets.publishing.service.go...ine_Report.pdf...

[ExpertInAField]

More than 50% of the people in the country have less than £100 in savings....

[ExpertInAField]

From the timeline, I expect that the CCJs are part of the IVA and because of this the applicant did not believe them to be separate issue any more.

On a separate note, I've always found it amusing that you can only go bankrupt or get an IVA if you have the money to do so....

[ExpertInAField]

If money gets put into the hands of the people lower down the ladder, they will spend it. It will used for purchases in shops which increases the VAT intake, etc. This goes partially to paying for the scheme in the first place. There is plenty of research to show that money given to people at the bottom...