Stand Up

It's time to stand up...

A few weeks ago I posted an entry about not marching, not loudly protesting.

Well something just changed that.

This story about a woman who left a suicide note stating "I don't [blame] anyone for me death expect [sic] the government."

It can be argued that she may have been severely depressed before she received the letter confirming she would lose £80.00 per month as an "Under Occupancy Penalty". She may have had other struggles and mental health is not black and white. But on the other hand, even if the difficulties she was facing under the new Welfare Reform Act were merely a catalyst, isn't it possible to see the correlation between her finding out she was going to lose £80.00 per month of her benefits, that she would need to find or lose her home and her ultimately stepping out onto the M6?

It's time to act.

I have no idea how, although I suspect there will be a slew of protest marches across the country. I think it's time for me to start a slightly louder protest.

Now, the facts of the case are that she was offered an alternative home - but it was unsuitable, isolating her from her family and without good transport links. The Council were unable to offer her a property in the same area she had lived for over a decade, close to her family. How is this moral? And let's be clear, the way the legislation is written, this is a moral rather than a legal issue.

Will you join me? Will you stand up? 

Will you get angry with me? Will you shout?

Because I'm furious, and I KNOW I'm not the only one.

No Middle Class Anarchy

I am no middle class anarchist. I don't have the energy. I don't have that wilful disposition. Frankly, I don't have the time. I can't afford to get arrested at a peaceful protest gone wrong. I'm 28, I have a lot of life to live in front of me. When the anarchists start their revolution, I'll support their cause, but I won't risk my liberty or my future employment prospects by becoming embroiled in a loud demo. I'm not often meek, but I'll be the one silently protesting in my living room, spreading the word. Writing, talking and hoping for a better future.

Because all I can do is write and talk about the anger and deep seated despair at the status quo. It is an anger which causes my hiatus hernia to throb daily at the moment, an anger which stops me falling asleep. I just can't stop thinking.

I should probably just quit reading the paper. It's making me bitter. But I cannot be without news, whether good or bad. I can't live without knowing what is going on in the world.

I have never felt so impotent, so weak. Sometimes I get so mad that I pull out my dusty old soapbox and rant at my wife for an hour. She is very patient. How can I move forward?

I sense that this recession and this austerity will last well into my middle age. We will be hard pressed to afford the two kids, two cars and three bedrooms of our parents generation, hell we'll be lucky if we can afford to have any children at all.

I could weep.

I would love to become an MP. I feel like I could do a better job. I feel like I would use my expenses fairly and that I could live on £60,000/year without needing to charge the taxpayer for my lunch. I feel like I could create laws which force companies to pay their way. I feel like I would be able to make work pay without hurting our oldest, youngest, poorest... our most vulnerable.

Sometimes I feel so frustrated that my brain starts to leak out of my ears.

It's easy to look back with rose tinted glasses, but I remember my childhood in intimate detail. I remember walking down high streets with independent shops taking up every window, not boarded up buildings. I remember the sense of community following the Manchester Bomb, not discord, scowls and divide and rule splitting society. I remember spending Saturday nights watching family friendly television shows, not lowest common denominator titillation.

We're now a country which feeds its children chocolate for breakfast and then wonders why they weigh as many stones as their age. A first world country which throws away tonnes of food every year and yet needs a growing network of food banks to feed its children. A country where the only shops thriving on the high street are pawn brokers, payday lenders and bookies.

Can anybody give me any ideas about how we can fix things? Is it even possible? We can't go backwards. I can't go backwards. How would I cope without my dozens of channels with nothing on, without my unrestricted internet access and my 24 hour mobile connectivity? I never leave the flat without my mobile. I even watch television on my Kindle in the bath. Is it any wonder I spend my evenings with my shiny distractions? I am newly Civil Partnered and incredibly happy with my life and my wife, but I can't help looking around me at the shattered remains of a once beautiful, active, healthy, community driven country.

How can we stand up for ourselves when our leaders are happily watching the country fall to pieces?

Answers on a postcard...

Libor Libor Pants on Fire

Mac's take on Barclays (From The Daily Mail)

Credit is like a drug. In fact, it's like a few drugs.

You start with something soft, like an overdraft, interest free for the duration of your student years. Then you move onto a credit card, the thrill of spending money that isn't yours on the never-never too tempting to pass up. Then a consolidation loan, just enough to free up some cash month to month. Next you get a Mortgage, it's worth it, you've got a house and one day it might make you a profit! Finally there's equity release, not a loan so much as a way to decimate the lovely profit that your house has just made.

You might as well be sat in a gutter, belt around your forearm trying to find a vein - please, just one more hit, one more grand, one more loan. And that's when the real pushers come in. Wonga.com and their ilk have become the loan sharks of the 2010s. There was a time when anything more than 30%APR was considered extortionate, now when you look at those ads, you see upwards of 1000%APR justified by the fact that "these loans are not a long term solution". Try telling that to the single Mum who is now paying half her weekly wage to one of these companies trying to play catch up.

So finding out that Barclays traders had been fixing interest rates didn't surprise me. It annoyed me, but it didn't surprise me. It made me feel physically sick with rage, but it didn't surprise me. Essentially it's like finding out your drug dealer has been in cahoots with the other drug dealers in the area and has kept the price of your crack artificially high. Yes, I just compared bankers to drug dealers, which is frankly offensive to drug dealers - at least they're honest about the work they do!

I feel so angry and helpless, and it has left me asking the question, how the hell did this happen? It started in 2005 when traders from several banks began fixing the LIBOR rates (London Interbanking Offer Rate) artificially high. This meant that when the banks loaned each other money, they could rake in huge profits. This went on throughout 2006, 2007 and 2008 and during the global recession when the purpose of fixing the rates was to deceive the world at large that they were doing better than they were.

Now obviously, I've been writing a lot about this, but there is a reason. I feel personally aggrieved by the behaviour of one particular bank - Barclays. At the same time as Barclays were raking in the profits through lying and scheming, they were also telephoning me between 3 and 4 times every day demanding that I paid them £300.00/month to repay my overdraft in the shortest possible time. I couldn't afford to do this, it was a large overdraft accrued during my time at University and in the end my father took out a loan that I repaid in order to get them off my back. It makes me feel physically sick that at a time when I was financially vulnerable, they were threatening me with court action and bailiffs requesting more than a 3rd of my monthly earnings, whilst defrauding the Bank of England, the British Tax Payers and of course their customers.

So is it time to say NO to the banks?

We are all so blinded by this perceived need to put our money in the hands of the banks that we can't imagine there is another option. My reason for staying with Barclays is simple, like an unfortunate divorcee, there's a lot of debt, all in my name, which has to be cleared before I can be rid of them. I've got an overdraft and a loan and so for the next 5 years (or less with a lotto win), I'll be tied to the bank.

I keep having this fantasy, a daydream of sorts in which I win the lottery - a big win. For most people they'd be dreaming about telling their boss where to stick their job... Not me! My fantasy has my bank manager calling me up personally to discuss my options and me uttering a string of expletives and then putting the money into my local credit union.

So what to do? I feel as though I'm in limbo. A curious mixture of abject fury and helplessness, I am just one person. How can I take on the banks? The reality is, I can't. My fury will remain, quietly poking me stomach lining until I get an ulcer and tapping away at my brain tissue. I am so angry I'm struggling to sleep and although that seems ridiculous, my righteous indignation has suffered a hit (if you don't know that's a Captain Bucky O'Hare reference, you're either too old or too young!). I worry so much for my entire generation, and the next, as it will be us who clean up after today's leaders. We're unlikely to get on the property ladder, we can't afford to insure our cars or have children or take holidays without almost impossible savings.

I'll let you in on a little secret. I have SUCH a desire to protest, march, make my voice heard. But there is that fear that my participation would lead to my arrest and ruin a possible future as a teacher. So how about a peaceful protest to begin with? How about joining a Facebook Group... may I suggest Topple The Banks? A civil forum for organised discussion. Somebody needs to fix this, and we can't rely on Cameron, Clegg or Milliband. They are more interested squabbling amongst themselves (Seriously, have you every watched Prime Ministers Question Time? It's like a school yard!) Could we be the first serious political party created on Facebook? Why not? We can't do much worse than the current lot...

What Seriously?

UK Citizens to Cameron & Clegg... "That's ANOTHER fine mess you've gotten us into!"

The story of the week has to be the cap on tax relief for Charitable Donations...

Feeling genuinely sick at the prospect of cancer charities and children's charities and LGBT charities losing out on money because these pricks are so determined to avoid a return to the 50p tax!

The people this will hurt are LITERALLY (and I really mean that), the most vulnerable in society. The Manchester Children's Hospital, Age UK, The British Heart Foundation, Cancer Research - will ALL miss out (not to mention the rest), because of this bungled, muddled together legislation. In my opinion (and this is only my opinion), if celebrities and rich people want to give large amounts of money to charity as a way of LEGALLY avoiding paying tax, that's absolutely fine. I'm happy for them to keep their tax as long as they are saving children, protecting the most vulnerable and assisting in finding cures for diseases (plus all that other amazing work that charities do!)

In the paper this morning, I've seen some of our richest citizens threaten to stop giving to charity in protest of this new legislation. It would be easy to vilify them for their actions. I mean, how dare they try to avoid paying tax! But it's not about the tax. It's about the charity.

My fab Dad and I were chatting again about this foolish and hasty statute. We talked about who is really to blame and who thought up this ridiculous legislation and we both agreed that it doesn't matter who came up with the idea that a cap on charity tax relief was efficacious to society. Those steering the country (i.e. Cameron and to a lesser extent, nodding dog Clegg) had the final say. Do not let the headlines blind you to the fact that this is a direct attack on the most vulnerable in society and don't forget to focus your blame in the right direction.

Lydia