Repossessed | Only Human
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- čas přidán 14. 07. 2023
- Powerful documentary about three families battling to save their homes from repossession as the housing crisis tightens its grip and Britain slides further into a recession. (2009)
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From: Repossessed
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That one family had the opportunity to own their house clear for £40 grand but instead of throwing themselves into paying it off, they repeatedly remortgaged and dug themselves deeper and deeper into debt.
That's what I don't understand. Yes, I get that worked needed doing but slow and steady....save and do what you can yourself and then go for the cheapest cash option and not remortgage. I wish all the families well.
This is quite an old documentary apparently. I would like to add to your remark that, personally, I’ve been warned by the experiences others had to go through following the 2008 Banking Crisis. Maybe these families weren’t so lucky to have honest financial advisors, maybe school classes, or having family and friends showing them how to take financially correct decisions.
It sounds as though they borrowed repeatedly from loan sharks NOT proper lenders. He then thought the council should house them. She didn't work. They are both in denial.
And he's a general builder! Where did the £150,000 go? I understand you want a nice bathroom and kitchen. So do up one bathroom, get professionals for electricity and gas if applicable and a plumber to install the new fittings. The kitchen doesn't need to be fitted, get the necessary appliances and sone cheap bookshelves. He has a van so he could even pick up second hand ones. Put as much as you can aside until you can pay cash on the barrel for the next upgrade.
100 percent. Schools should be educating students on how to budget, the pitfalls of credit cards, hire purchase, and paying off more of your monthly mortgage on a fight nightly basis. Basic common-sense for most
Because so many people overpaid for homes even while loan rates were low, I believe there will be a housing catastrophe because these people are in debt. If housing costs continue to drop and, for whatever reason, they can no longer afford the property and it goes into foreclosure, they have no equity since, even if they try to sell, they will not make any money. I believe that many individuals will experience this, especially given the impending mass layoffs and rapidly rising living expenses.
I advise you to invest in stocks to balance out your real estate, Even the worst recessions offer wonderful buying opportunities in the markets if you're cautious. Volatility can also result in excellent short-term buy and sell opportunities. This is not financial advice, but buy now because cash is definitely not king right now!
You're correct! With the help of an investment coach, I was able to diversify my 450K portfolio across markets and produce slightly more than $830K in net profit from high dividend yield equities, ETFs, and bonds.
Would you mind providing details on the advisor who helped you? saving for a pension through a corporate program since the age of 18. I hit greater tax along the road, so I increased my company pension with a SIPP (tax benefits). I'm now 50 and would love to expand my finances more aggressively; there are a few automobiles I still want to drive and a few mega-vacations that I still want to take.
Finding financial advisors like Margaret Johnson Arndt who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
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The locksmith smiling while talking to the camera crew and bragging on how many evictions he has a day is absolutely vile ! He’s laughing looking at people getting their lifetime possessions in a damp driveway. No empathy whatsoever
@dianagibney5167 -
You are so right about "no empathy whatsoever".
His smug expressions and comments really got to me, shame on him.
What people like him don't realize is that no one is immune, given the right circumstances, often unforseen, is that one's life can shatter.
he didn't evict them or tell them to get a mortgage which is the biggest ever financial risk you can take
@@italianstallion9170
That doesn't excuse his uncouth mannerisms.
It’s their problem for taking the mortgage. He can call them human trash if he wants to. But really he just bragged about taking his business seriously.
I don’t get the entitlement of people to think you’re owed empathy after making bad decisions
@@TheVectorman82You are deluded. Bankers win because they are corrupt, lending money which they don't even have! Wake up sugarplum!
£40k council house purchase and they ran it up to almost 150k? They have no one to blame but their own stupidity. They could have lived in that house. Fixed up a kids room first. Then as they afford it, fix up another one. 40k for a house and they owe 4 times what it sold for. Unbelievable. They can't handle money or finance.
Crazy
I just got rid of all my credit cards, and no more buying anything unless its really needed. This docu really scared me, woke me up to be honest.
Good move. Credit Cards are for buying something with other peoples money as you don't have the money required yourself.
Me too, it makes such a difference to be in control of your money. Took me a while but I got the credit cards paid off. I like to pay cash for stuff now, you tend to think twice when you are handing over notes rather than a debit card.
I’ve never had a credit card in my life. I’m 60 this year. I always thought it was insane. I don’t spend what I don’t have. If I want something I save up.
Madness that in 15 years nothing has really changed.
The young daughter should not even know about mortgages and bills. She should be protected from this worry 😖
that's what bums do - fk things up..
That was my first thought.
That guy threatening the council and demanding someone support him and his family is the epitome of English entitlement.
Bit ironic, the family in Lincoln, he works in finance yet he himself is in debt, you cant exactly advise customers with their finances when you're down the pan.
Thought the same thing.
@karenbatastini9165 good to know it wasn't just me
If you work i financial services, and your employer checks credit reference agencies periodically. Its mostly to check bankruptcy/ccjs as far as I can recall. And, of course, this program is quite old
It doesn't work like you think it should the bank's can ask for you to repay the full amount at any time especially when they owe you money and refuse to pay it's a very dark business this documentary is only showing one side and the government would not want the other side shown on national tv it's a big big racket, remember that the bank's had to be bailed out so that should tell you something and not all interest rates are the same for everyone the more you look into this the more it looks like drug dealers that is the truth of banking industry
Exactly! Really makes no sense
Unfortunately it’s not your home until you have the deed in your hand.
I hope these families are in a good place today.
Well there will be other families in the same situation now…
It's really sad to see a grown man, with a wife and three kids, demanding that someone else "should have" found he and his family somewhere to live because he couldn't pay his mortgage. In almost every country in the world they would simply be chucked out on the street. The reason somewhere wasn't found earlier was no doubt because people *already on the street* needed the accommodation. The sheer entitlement in the way he talks to them disgusts me. Does he think he and his family are the only ones in need of assistance?
Crossed my mind to. He should be embarrassed but humble and grateful his wife is STILL supporting him and trusting his decisions. She loves him dearly yet it is clear he don’t deserve her. He is very lucky for his wife and children. 😌
And being rude to the council worker , the entitlement is shocking
I agree that he's not the only one suffering but it is an awful situation to be in.
If I was in need of the council to help me I would be very nice to them indeed. And so very grateful for them.
“I know he’ll look after me” why is it all on him?!
Thank you, I thought the same thing !
The couple losing their house in a week look at all the stuff those two kids are packing up was all that necessary maybe paying the mortgage would have been a better idea.
They bought the house at 40,000 and kept remortgaging till now oweing150,000. Such an irresponsible couple
Debbie: I thought the same. Sadly, hindsight is 20/20. I’m sure they wish they had made different decisions.
And he had the nerve to say he will never get another mortgage again because he doesn't trust mortgage companies. The mortgage company didn't break the terms, he did. The mortgage company clearly cannot trust him.
I feel very sorry for them . I wish these people all the best . So sad for the children involved .
Very much so. Very sad
Wow, so sad there is no extended family to help. My Grandma Hilda always took in family in situations. She would say you may sleep on the floor and we may have more potatoes than meat in the pot but we will take care of each other.
😢😢😢. That’s a fact. @KS
When I see all the toys and household goods in these homes I can see that spending on goods is a contributing factor for these families
What the heck did you see? Diamond incrusted cell phones? You are an a..hole!
Don't forget that losing a rented, much appreciated place can be traumatic, as well.
I never found renting traumatic until I moved to London . Last landlord was amazing and made up for the others but glad I've left London, no other option.
Our family disintegrated after they lost their home. It took many years to reach a normal existence. The family was never the same. I feel for these people. Many of us have lived thru this. This was Well before even the last debacle. So Many have NO idea what is going to happen to many:( so many people will break down mentally:/
I know I can feel it coming. We are doomed. I don’t have a mortgage and I can hardly afford to live with my wage. I don’t know how families are coping
Don't give in! 😮
a specialised lawyer reading any contract and especially real estate property. Dont re-mortgage to do up the bathroom etc if you really cant afford it. Save up for things instead.
That has to be told to school children!! Make teenagers watch these documentaries, read the stories of those who lost their houses and the annual balance sheets that brought them from having a house with a (x)% down-payment and paying the mortgage every month to eating from food banks, to losing the house. Especially repossessed where the bank gets back their money but doesn't worry about market value.
Thing is, if you have to take out a loan, you can't afford it
I have been thru the same situation twice and all i can say is , things always will be ok , ur health is ur wealth
Hang in there! 😮
Gosh I just pray for the mental health of everyone going through these things..stay strong ❤
Unless you have lived thru being kicked out of your home, you never truly understand:/ It sucks. But , you can persevere.
I've watched this documentary 3 or 4 times over the last decade through different periods of my life and everytime I watch it I feel different things and similar things. This documentary is raw and well done.
I will be rewatching this 3 years from now.
What on earth for? What a pointless waste of life
@@Mark-jb1fjdon't be mean about it. Financial security is a very interesting topic. And still very relevant still
I've seen it twice before too.
I older I get the more insight I get.
This stuff is so relevant now.
Motivation to pay down our mortgage as fast as we can.
@@janebaker4912 facts
This is exactly why they should teach budgeting skills in school, when your a nipper.
There’s no such thing as a housewife when there are bills to be paid..
Exactly, who has had that luxury in the last 20 years. Get night work and save on child care. Don’t sit there waiting for the storm to come, get to higher ground!
It beggars belief that the two women relied solely on their husband’s and didn’t think to assist. In 2008 most of my fellow nurses worked two jobs to keep things afloat. No way would we have lost our houses!!!!
I agree !
Do with less and never over stretch your income
Very true, people see shiny new stuff on the TV and they have to have it. I dont think they teach anything about financial responsibility at school anymore, possibly gender reassignment and suchlike takes precedence these days.
Most of them could afford the homes when they bought them, didn't you watch the bloody thing
@@maxbacon4828 Parents need to teach those things. They set an example. If you are stupid with your money the kids learn nothing.
Hope their lives have changed for the better.
Theresa has had to go out to earn money. Staying home is a luxury. Why would a couple with increasing financial needs indulge ‘staying home’?
Called trying to keep up with the joneses. And lazy eye tess 😂
she should have..
We need to keep on praying for families
Oh yes, prayers will really help..What absolute superstitious nonsense.
Going into the court, unprepared, without any sort of plan to show the court is as ridiculous as taking out a fixed rate and not researching what will happen when the fix rate expires. I'm afraid that this guy is not the sharpest tool in the box.
Also, it's not the Councils fault, and how does he expect to get any help if he's swearing down the phone at them?
Yes. He has really poor life skills, but doesn't seem willing to learn. He's like a baby expecting other people to take care of him.
He's blaming the council but it's not their fault
For the lady who was going out with Alan - I would say never shack up with someone who has bad money management, poor credit, high debt. It’s a disaster waiting to happen, been there worn the t-shirt. Let them get themselves straight first, them make the move, not before.
For sure!!! Once I paid my ex out, I knew I wasn’t about to do that again.
AMEN😢
Sadly true but she can't decide who she falls in love with!
So sorry for these people - "You shall own nothing and be happy" - Santa Klaus Schlobb.
Own nothing and be happy? Try telling that to the millions of slum dwellers around the World.
She's got the PERFECT Princess Diana hair !! Absolutely stunning !
I pray that each family learn and grow from the errors and teach their children what not do.
Perhaps the school system,, instead of spending time exposing children to various sexual practices, might spend some time at each age appropriate stage, to teach children something about money management. Just a thought….
2023: Have your property repossessed and then find yourself in the private rental market where the monthly rent is even higher than the mortgage you were unable to pay.
@Lee-on6jxyour inability to read is really sad.
The women not working is surprising for those that didn’t and the one large, combined family had kids that looked old enough to mow yards, etc.
It’s very sad to see people going through this
I don't understand the 2 women who didnt go out and get jobs themselves. Even just part time when the kids are in school. Why is it only on the man?
There are NO jobs for unskilled.
@@monipoli1371well they need to upskill then
@@monipoli1371. I was a stay at home mom and then cleaned houses and worked part time. Unless in a deli. Wasn’t their a straight rate…pretty dangerous variable rate is risky
@@monipoli1371 there are.
@@dianestevens2659lazy 😊
If they had kept on renting from the Council, rather than buying their Council home, they'd of been safe.
Exactly, mortgages are the biggest financial risk we will ever take and we need to be prepared if /when we can't pay them.
Wait - you added £110k to the mortgage but only have £17k in your ‘pocket’ I thought it was to do the house up? And as a builder that should have been done pretty cheaply??
There’s more to this story…..
i felt sorry for people in 2007, 8 2008 but mortgages are the biggest financial risk we will ever take and we need to be prepared if we can't pay them.
Abusing the council on the phone will hardly help
The council do absolutely everything to get rid of you. Everyone. I was been evicted and pregnant. The landlady was threatening me and the council done everything to foff me off. Even ignoring me with urgency calls. They failed me. On reflection I was naive and vulnerable. Thats why they won.
people deal with stress differently
How do you go into a court date with no repayment plan and expect them to give you more time
You better find me somewhere to go???? Hold on, that’s your responsibility as an adult!
And stop your windy threats
That was a pretty arrogant thing for that man to say! I would be sucking up and begging. 😊
My heart breaks for these families.
Heart breaking for those families. I disagree with the Father of one family telling his young children what is happening to them. Children should be protected and not made to worry about adult money worries and possibility of losing their home, that was very wrong. Let the parents do the worrying not little children.
Not having money , and Losing your homel is stressful. I'm retired in Danbury, CT, and have gone through my stock money in 8 years. Now, I'm on a fixed income and living on peanuts.
I know this is an old video but have you ever considered working part time instead of taking money out of your stock or downsizing some of your bills
Sell and move to a cheaper country.
Bet you are healthier.
I begged borrowed and stole to pay my large mortgage off 10 years early. I owned the property at 40 yrs old. Best thing I ever did.
One of the problems is that when people take out a low start mortgage, they either don't research them, or ignore the fact that the payments will go up by a large amount when the low start ends. It was pretty much the same with endowment mortgages, and other mortgages which appeared to be offering a 'good deal'.
Fixed rates shouldn't expire. That's so unfair for the average family. Only benefits the bank or lender.
You can't have a fixed rate over a 20-30 year period. Nobody can see that far ahead to decide what that rate should be.
People should look more closely at the mortgage they are taking out. Institutions aren't in the business of giving money away.
In many countries they do not expire!
Actually if you are smart you do read all the fine print in a mortgage or remortgage contract. I would also have an attorney there. They borrowed too much. Also the two women who dont work look like their children are school age and can work during school hours.
Exactly. Who reads the fine print? You're stupid and irresponsible to not read an entire contract in detail and understand it and ask questions if you don't- and carefully consider what you're doing and if you can manage it.
The children should not have to bear the burden of the parents. This should not be the children's problem. Of course they are affected, but let them be children.
They are older parents. What bad choices have they made?
They all seem to have missed the memo about the value of property and loans may go up as well as down! One can't read and write very well! Good god he was old enough to have learnt by then. The other remortgaged several times without a clue what he was doing. They could have owned that place outright and then done it up slowly. But everyone want's things perfect at the start. No sense. And just look, they keep money for bills in mugs and jars! It is a terrible shame for all of them. But they don't help themselves until it's too late. Our education system has been terrible at teaching people vital life management skills.
This was 14 years ago, how much has changed since then? Other than we’ve now imported millions more people (and that’s just the legal ones), the banks have got worse, if you can find one that is, and house prices have gone up. I despair for people these days.
Russel you are a wonderful man and I thank you 🙏
The true crime here is how old mates PC is 😮. But my heart goes out to these folks 😢 I pray God for all ❤
It was filmed in 2009. Maybe not old then.
Talking to the council like that as if it’s their fault
Good luck to all of them. Best wishes. xx
I’ve bought several homes in my life and been tempted to use ARM loan but those loans always scared me
The very same scam happened to lots and lots of Americans too...ajusted rate loans.. at subsidised rates... clearly a mistake on the lenders and borrowers ..but shameful of the lenders to sell people Subprime mortgages to them.. home loans accessible to borrowers who had low credit scores and a higher risk of defaulting on loans..These "subprime borrowers" were allowed to take out adjustable-rate mortgages with low starting rates that would increase after a few years..Financial firms sold these subprime loans to large commercial investors in pools of mortgages known as mortgage-backed securities..& then..By the fall of 2008, borrowers were defaulting on subprime mortgages in high numbers; the collapse of the financial markets and the global Great Recession ensued... Banks got bailed out while the deed holders got kicked out
I remember thinking that all the bankers who told people they could afford the house mortgage should be put on trial. It was quite criminal on the banks’ part.
Let's not pretend that the borrowers aren't in on it - more than happy to take a larger mortgage than they can afford to pay if interest rates move. People also regularly lie about their income in order to take out larger loans and buy bigger properties, all hoping that today's interest rates will somehow last forever or just long enough.
@@Sinsteel You're correct of course, many people just look at the figures in front of them without researching what's going to happen several years down the line. The simple fact is, institutions aren't in the business of giving money away, if the initial deal is very good, one has to research what will happen when the deal ends.
So so sad for all involved 😔 "altho the locksmith who on average does 30-40 convictions every day didn't seem 2 have any compassion at all, a smirky smiley face" shocking
When you witness that many evictions or anything tragic, even deaths, you just become inured to them. It's a psychological defense against breaking down yourself.
@@ampa4989not every one has that mental ability to fight and go on.
Adjustable rate mortgages are the absolute devil. I don't know why anyone would agree to one!
In many countries, that's all that is available for the long term.
I feel for these people
where are the parents? I'm a firm believer in doing things for oneself and not being reliant on your parents, but if my kids called up and said "we're gonna be homeless within a month" I'd help and give them a bailout - the first time
Their family of origin are probably just as poor, hopeless and uneducated, or else are fed up with bailing them out.
My family have been through this several times but my parents have said it’s only bricks and mortar. They mostly acted fast and sold the house before it got to repossession. Because of that attitude I have been able to get through tough times and move on a house is only a home when you own it out right no one can take it off you always account for the interest going up and if you cannot comfortably get more money to pay that increase don’t struggle. Just move on.
I agree, the healthy way is to act quickly and move on, so much less traumatic. Wishing you well for the future.
I moved into a one bedroom duplex with my teenager. I gave him the bedroom.
I'm so happy. Everything is ours.
This is our own space.
If i wanted to get a two bedroom, the rent would be a lot more. Its a lot more now. But the area is so much better, safer,etc.
I'm not getting into debt. I have a handle on my budget. And savings.
We had to move in a two weeks time.
Our landlord was a pos.
Good for you! Fight back. 😮
When your stuff is tossed by the sheriffs, it is just thrown out on the curb. Some will steal things much will just be left because it simply can’t be dragged with them:(
You’d think the Mortgage lenders would find some solution to this rather than eviction! All the costs that go in , they need to look at how they can help these people.
You'd think that the borrowers would find some solution to this rather than not paying their debts that they voluntarily incurred.
Mortgage companies are not charities. Money lent is usually money borrowed from bank account savings of many ordinary folk.
They'd have done all they reasonably could over a lengthy period of time before eviction happens. They're a business and if they let people not pay for the services they bought, they'd not be able to lend money to anyone, even more responsible people.
i would want to stay in the caravan, i love it
How much of their vast wealth has the 'ROYAL FAMILY' given to the struggling poor in the UK? Nothing
Mortgage means Death Grip. Mort = Death, Gage = Grip. One needs to think deeply B4 taking on a death grip.
It's never your house until the mortgage is paid, then it's still not yours bc you gotta pay property taxes if you don't then the municipality will take it. The only place you dont pay property taxes is slab city in CA. Or if your a religious institution.
18:17 Oh Tim, you kept taking equity, had to get the free money out eh. Well...
Can't Tim sell his Yamaha motor cross bike to stave off the pending disaster thats got to be worth at least three grand any day of the week ?
Your only a priority if your actually homeless (e.g. evicted). He thinks system works proactively which isn’t how it’s works.
He's extremely lucky to live somewhere that they actually help you like that at all in such s timely fashion. Hecame across as so entitled & rude with poor life skills.
Where is the famous "help" the government claims is available? Some mortgage companies will switch to an interest-only rate for 6-12 months for breathing space. I feel very sorry for these families as it is not only the house they lose but all their possessions.Quite sickening when there are such a high number of super-rich and non-doms living luxurious lives in the UK.11% interest is shocking.
This documentary is over a decade old.
He chose to take the 11% rate. No one explained why he had a poor credit score. Probably a chronic poor money manager or worse.
They've probably already exhausted every "help" available, but just isn't up to managing their own life and finances well enough to deal with big life responsibilities like a mortgage.
As to the help, I was pretty surprised that a govt agency actually found that other family a place to live on the spot like that. In most countries, you'd be on the streets and having to work it out for yourself. Yet that guy seemed to think it was the government's responsibility to save him from his inability to be a mature adult.
Some people are poor and have no choice but both my parents worked full-time all their lives and they were both spending addicts. It's unfair in my adult life that my husband and I have to pay my parents bills so they don't lose their home. Parents need to be useful and teach their kids about money. I know another person who has all these degrees and not a pound to their name because rather than buying a used car for 1/4 of the price they had to buy new cars on finance.
Surely, you and your husband do not have to pay your parents' bills. If they choose to spend their money, that is their problem; they should suffer the consequences.
Why would you pay your parents bills? They will never change their ways keep on spending as long as they know they can depend on you
I hope it all worked out for them.
The chap called Norman why if they had a purchaser for the house did they not sell it and rent somewhere until back on their feet?
Why is she not working?
One thing I notice with a lot of these families is they can afford to smoke. Am I missing something? Surely the cigs are the first things to go and if struggling get to the GP and get nicotine patches.I don't mean to sound heartless but even just a habit of ten daily is over a fiver daily which is over £35 a week! £140 a month-at least.
Plus over eat, go out for McDonald's and have heaps of toys and home renovations.
I've only just realised that this must be over a decade old!!
Yup.....15 years ago
Don’t people read their contract before signing about their escalating mortgage rate!! Not a surprise
They were using that re-mortgage money to go on holidays and buy expensive treats. Some people made hundreds of thousands when they bought their council house.
I am 72
No matter what I have never missed a payment
I would starve before I missed a payment
To day. I own my home
Same here. 😮
So much financial illiteracy being demonstrated by these borrowers.
Are these families who are in this documentary compensated by Only Human? I hope they are.
No - this was filmed 15 years ago. If the producers paid anything to those families shown in the documentary, I am willing to bet it wasn’t much.
Sounds like they got an adjustable mortgage. Always, always get a fixed rate mortgage. If you can't get a fixed rate, then you probably can't afford it. Also, only buy a home if you can afford it on one income. As the video continues, you can see the bad choices they have made, yet they expect to be like wealthier people.
In many countries, the fixed rate is for a limited time, then reverts to a variable. Heaps of people find this difficult once it switches over. They are supposed to understand what they are doing and know for themselves they can manage it before the choose the fixed rate.
4 bedrooms. Put two children in one room in the bunk beds and get lodgers in the two other rooms at £100 per week. £800 a month minimum.
That's a big risk having strangers around 2 young children even if it does help with the bills.
In 2023. an 11% mortgage sounds mind blowing, crippling & astronomical all rolled into one.
These couples must have been under tremendous stress 24/7.
For regular, everyday people, modern finances don't really add up to easy home ownership anymore, I don't know how anyone affords everyday life anymore, whilst trying to pay for a house as well.
Re the first couple -- My daughter and her husband ended up having this happen - but she went to the bank and got a new deal. They didn't just accept the new deal with high mortgage. He must have known there was an end date to his good deal surely?
If 1000 people gave the family who needed $1200 to save them home $1 what a difference it would make to so many people
Nice idea, however they would be in the same situation in a few months.
It's usually due to poor life skills and inability or unwillingness to learn ans change.
Keeping your meager savings in a jar on a shelf.
Yeah…that makes sense. 🙄
Alan seems to be terrible at financial stuff
The Banking and Financial system in the UK is rotten to the core.
A mortgage broker with poor money management skills….😬
The sad thing is that if these families hadn't done the right thing by working and trying to buy their own property they would not be in this situation. They would be getting benefits including housing benefit so even if they were under the threat of eviction their local councils would be duty bound to find them somewhere to live. It must be particularly galling for the first family knowing that their neighbours in the surrounding social housing are more secure than they are.