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The problem now is even renting will be out of the reach of many people. I have a friend who wanted to rent somewhere for £ 900 pm and she had to prove a £ 35k pa income which she could not. It is impossible to buy or rent down here if on a single income and that is why kids will be living with...

They have 12 years to try and get the debt back so it is written off by now.

The UK will become like the rest of Europe with 70% of people renting, not because they want to but because they have no other option. This will get worse from 2015 when people getting their pension pots can get the whole lot in cash and will result in landlords building portfolios of rental...