Thetownend.com

Might cause offence but on teh news this morning, these people are moaning about they cannot move in as the place has damaged wallpaper and rubbish all over floors.  Why cant they get some black bags put some effort in and clean the place, it will then be liveable.!

A flooded house takes months and months to clear and become liveable again. Imagine all you own being ruined and you have to totally rebuild your life.

Why we're on the subject why should people with no insurance expect any help?Whats the point of paying for insurance if the unisured cheapskates get paid out anyway.

I thought they all lived in slums 'oop north' anyway?

Hasn't gordon brown given local councils something silly like £14 million to help those out who are uninsured!!

 :evil:

I did see that Yeovil - surely peopel pay huge premiums to be covered in these eventualities - you don't pay you're not covered.  I think a little more could be done to help victims as a whole though.

Agree with Yeovil, think Bushey's being a little harsh.  Hardly any of the homes have electric or gas after the flooding and we are in the middle of the Australian winter (but colder).

On the other hand Yorkshire people always go on about how they're made of tougher stock so yeah.

Geoffrey Boycott would have been bragging about having the biggest swimming pool on the block if his house was flooded.

not harsh, ralph it doesnt take months to sort a house.  Yeovil hit the nail on the head.  

I just think they should start clearing their homes instead of waiting for help, help yourselves!

They'll be stuff like structual damage, Left over damp etc. That your not going to be able to just sort out for your self. I think it's more that just clearing up a bit and mopping the floor.

£14mil is fuck all in the grand scheme of governments. Don't think it's too much at all.

They haven't got the time to help themselves don't you know that (according to Monty Python) Yorkshire men go to work four hours before they get up, work 37 hours a day, for tuppence etc....

They should start the clean up operation though instead of sitting in a squash centre!

Most home owners should have buildings and contents insurance? I thought it was required by mortgage companies?

They said on the news the amount of water that some people had in their houses they would have to leave for 6 months before fully drying out so they could strip it and start the rebuild internally.  Needless to say the smell they would have to put up with and risk of bacteria/germs that the water would have brought in..................

Buildings insurance is compulsory when you take out the mortgage, you could cancel it at a later date.

What about the smell,bacteria and germs that the average Yorkshireman brings into his house??  They carry on living it in then.

Bushy = Tory Boy :D

http://i132.photobucket.com/albums/q12/herthab/_38168995_toryboy150bbc.jpg

So surely its their own fault for cancelling it?!

Who gives a fuck who's fault this is. What's with the fucking blame / punishment culture at the moment? I've got absolutely no problem with a few  1000ths of a pence of by beer tax going to help out people who have been fucked over by the floods.

Exactly Sippo.

Some twat was complaining over the lack of compensation from the government for the flooding, in the next breath he said he didn't have insurance and couldn't afford to replace things so he wanted some hand-outs.
Boo fucking hoo, your choice not to get insurance, no handouts face the consequences you dumb fuck

I don't want any of my 10000ths of a pence in beer tax going to help dirty northern bastards 8)

Fucking right! :D

So Ben at the next budget, when they put up prices of alcohol and fags to recoup costs you'll be ok with that?

Fuck em,its probably the first wash that most of them have had in months.


PS Are you pouring wine into your computer Ben as the forum keeps throwing a wobbler?

Thats the spirit ash....you tell em....

I

If you shared out the tax burden of £14 million between everybody then it works out at what 20p each? I reckon I can cope with that.

There are much worse things that governments waste money on.

Thats the spirit Ash..you tell em..

The british public have become lazy with no back bone

The point is they'll use it as an excuse to raise tax prices...

Increased Spending on Flood Defences around the country is something which needs to happen. As is discouraging developers from building houses on flood plains - which will have a cost on the economy.

There's many places that the money could be reassigned from elsewhere but if not, call it an excuse / reason to raise taxes.

As of £14mil of aid to people who've been affected. Using that as an excuse to raise taxes is absurd. It's such a nothing amount of money on the scale that the government spends.

I still think your being harsh.

If your house was completely flooded and all your belongings were trashed you wouldn't be happy would you?

Also, some people are on very low incomes and don't have the money to rebuild their lifes.

Funny how when something happens overseas and shit loads of money gets sent abroad, noone complains in fact spend all day on here discussing how bad it is etc. and then when something happens to our countrys own people complain about money etc.!  We wouldn't want our government to look after our own now would we.......... :-))(

Has there been an article in the Sun or Daily Mail or something today?

Yeah that's right, I'm sat here in my £400,000, 5 bedroomed, 2 bathroomed Edwardian Sheffield slum right now.

But I'm on the good side of the city that doesn't flood.

As for the rest of it:

Lady's right, some of these houses were under 3-4 feet of water for a week and a half to two weeks. You don't sort that out by having a bit of a sweep up.

Carpets and soft furnishings will need to be chucked; a lot of timbers will need to be examined to ensure they're safe; electricity, gas and other utilities are still a problem; a load of white goods will need to be replaced. All round, for some of these houses it will take months, others may have to be pulled down.

And the "tough shit if they don't have insurance" people, have you always had household insurance yourself?

Those of you that have ever rented accommodation rather than owned your own homes, were you always fully covered? I know I fucking wasn't when I was younger.

And the £14million. What the fuck! I'm a bit more pissed off about the £30billion that GB and his mates are going to piss away on a load of nuclear submarine launched dick compensators over the next ten years.

Think how much each one of those is going to add to your tax bill.

It's not as if they're going to be too effective against medical students driving Jeep Cherokees full of exploding hair dye is it.

Your back bone came from where ash?
Did you graft for what you own?

Well let's hope Sheffield City Council raise the council taxes of the people who live in their £400,000 edwardian houses so they can pay for the bad side of the city.  

And yes I've always gone for insurance, find it covers most eventualities.  I find it's well annoying with all these people who don't cover their bases and bitch and moan when they get caught out.

My car was hit by an uninsured motorist a couple of years ago, did I get anything, did I heck as like.  Get insurance and cover your asses if not pay for the damage that is caused, by mother nature or not.  Buildings and contents insurance is as cheap as nowadays, no excuses.

I feel for you.

Fancy living in Sheffield :(

Thanks for the rundown on how many bedrooms and bathrooms you've got..................................

Yeah I actually did millom, wrong argument mate.  ive worked nearly everyday since 12 years old.  Backbone from how I got brought up.

Everything I own I borrowed the money, worked hard repaid it.

All I was saying at the start of this was they could start doing work on their homes to help it get habital.  Like clean up the homes, rip out carpets, beliee me by doing that it would help.  Instead they feel sorry for themselves.

If losing everything you own is not a good enough reason to feel sorry for yourself I don't know what is.

They dont own it,the HP company own it.

Who did you borrow it from Ash?

I'm not trying to pick a fight, but loads of people work every day and don't become financial successes, due to lots of factors.

Its not going to help you is it, its like when people cry over silly things.  When you have nothing in life, you can do two things fuck all and be over or work at it and get your life back

This forum makes me laugh

not a financial success, the bank its called a loan.  Then you repay it borrow more pay back more.  Im not having a fight, I find this whole place funny.

I'm all for helping the communities affected, but not for replacing carpets and TVs of the uninsured. I just think that by not having such cover, you should be prepared to face the consequences that may arise as a result.

I dont call it silly but anyway to prevent an argument Ill let you rant on.

All I gave was my opinion - what this forum is for.

I only gave my opinions too.  Jesus this place is far to serious...im off

:Ride On Fatbury's Lovestick:   Sweet Jesus.

Everyone gives an opinion whats the problem?

There is no problem. Bob Holt

Opinions are like arseholes.

We've all got one :D

I think it was Aristotle who said that.............................

No it was you wasn't it, a couple of minutes ago.

I agree with Lumps' post.

Ash, what are you complaining about, surely you should be scanning the property market up there now looking to make a killing when it goes into depression for a few months to a year before renting them back to them at a profit????

That would be unethical, at the moment I am concentrating on the repossession market

(Note: This is a joke I am not that sick)

Repo's are on the rise, good spot, easy to bargain a good price I presume if sold direct by the mortgage company.

No mate, you want to beat the mortgage company to it.  Very nasty dealing with it tbh

My house was a repossession, didn't realise until a week before we completed.

Thats a bite  :D

I agree with Lumps though, a broom and abit of elbow grease won't sort these houses out. Most of them are so badly damaged the decent thing would be to knock them down!

It's easy to sit here in our nice houses down south, in front of our pc monitors and put the world to rights but how would you cope if it was you with your house under 4 feet of water and raw sewage?

Lets all just pick on ash for being short.

I just broke into his house and left all hit taps running. That'll teach him.

Ben you probably couldnt even get on a bus and find where I live, as for getting in good luck!

Miss Angry - im gonna take lawro out on sat and get him drunk and dance with women! That will teach you  :D

Which one is Bushey?? :P

I think you'll find that wont happen ever. We are going to reading to eat chicken. When we come back we can all dance together!

Hang on... have you guys arranged to go out Saturday cos earlier im sure he was trying to change our year date to friday cos he claimed it was a better idea.

ohhh the bastard!

Id say a mixture!

ha ha, nah not spoke to him today.  Im not dancing with you anymore after your rant last night on msn.  I best warn you a fair few including Olly are heading to Reading on saturday and I am not joking

If you can afford a car,flat screen tv,the latest games console,£100 for a night out,designer clothes,etc ,etc you can afford to pay to insure it.

And sky (probably)...

I saw this woman on telly giving it ' The government are quick to send aid when foreigners get flooded.' Yeah, I'm quite sure we don't send anything because they've spent their insurance money on fags and online bingo. There's probably a slight difference in the scale of tragedy. Some poor bloke the other side of world's house is upside down and 6 miles away from where it use to be....Your carpets a bit damp.

I think Sharon Osbourne should pay out. The fucking greedy cow!

stupid northern bastards will moan about anything

Agreed.

House insurance and contents costs hardly anything.

Seconded! I have no time for people who aren't insured, and then bitch about  things when something happens.

You have to be insured now days, home, life, critical illness, car the lot

Critical illness is a bit of a swizz though isnt it?

not if you get 100k if critically ill, imagion the party and drugs! might as well go out with a bang yeovil

If i became critically ill i'd sell my flat and move back in with my parents.

I'd then buy a Ferrari, smoke 100 fags a day and drink and eat all day.

Wouldn't matter what happened so enjoy it.

I get the impression that they always try and get out of paying you,ive got the insurance,how ill does one have to be to get paid out?

i would imagine you are quite close  :D

I think there's a list of illnesses that it covers. It doesn't have to be terminal. So if you have a heart attack but you survive you still get the pay out. It has to one of the illnesses on the list though. You just need to be diagnosed and it's party time!

Ace time to break out the Butter,Fags and Burgers 8)

Surely most heart attacks are non fatal.

Dunno, give it a whirl and see how you get on. Obviously I'd check with your insurer before rolling around in pies and lard.

What illness's are on that list just out of interest?

You'd have top check the Policy Ralph

my fucking illness isnt
kidney disease is never covered.

It depends on how old the policy is.  If you bought a critical illness plan a few years ago chances are if you have a specified illness, a heart attack for example, you would receive the benefit, i.e. the sum assured, if you suffered that illness.

If you purchase one nowadays to receive your payment you have to suffer a "critical" illness.  So if you suffer a mild heart attack or a non life threatening cancer (caught at a very early stage) you would not receive your benefit.  

If you take out cover I wouldn't suggest taking out one from say Tesco's as they may not have a great claim history, underwriting process, or general servicing etc.  Price is not always the best way to decide which company you purchase your cover through.

Sorry for rambling on.

Would depend from insurer to insurer, BUPA for example have over 140 conditions listed, but a lot of them are connected.  Most companies in the market place have from 30 to 37 conditions.

Always check the terms and conditions before buying as for an extra few pence a month you'll have more conditions covered.

Some policies will also have "survival period" ranging from 7 to over 28 days.  So if you get diagnosed on the first of the month and die on the 20, you may not get your benefit if your survival rate is 28 days.

Kidney "failure" is a covered illness with the company I work for at least, however as I'm not an underwriter I would not have a clue if what you personally have suffered is classed as failure.

 :fishing:

Good on ya big bollox....