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    Even if it was left up to Housing Associations, Howard, at least that would still benefit both those who can't afford to buy or rent privately and also the town that is blighted by empty and run down properties.

    If more social housing isn't provided by either renovating or building then as far as I can see eventually we'll have a large homeless problem. With the credit crunch really gathering pace they'll surely be more people having their homes reposessed due to the size of the mortgages lenders lent them when everything was peachy, what are they going to do because if they can't afford a mortgage they certainly can't afford private renting so what's left.

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