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pjw

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Everything posted by pjw

  1. The 1688 Bill of Rights - an Act of Parliament that restated key elements of the Common Law and which has been ruled in court as a constitutional act that cannot be "impliedly repealed" - ie a later Act that repeals some of its provisions is invalid unless it uses express language to state that the Bill of Rights or parts of it are being repealed - was meant to prevent such an expansion of executive power. This was why the Bill of Rights prevents fines without a court process (hello - parking fines! HMRC fines! etc...) and HMRC rifling your bank account is the same principle or an even worse abuse. Don't expect the judges to uphold the law thought - as they live off the taxes and want the gravy train to continue!
  2. You sound like a scrounger who seeks Legal Aid as lawyer's benefit. Legal aid should be totally abolished, forcing down lawyers' rates. We should end no win, no fee, and simplify the process for litigants in person. Why do you insist on receiving state money? You're just a glorified welfare sponger.
  3. [quote name=Oh Well ' timestamp='1393487049' post='1102474898] Police not interested. Fraud is a civil matter! Actually, no. Fraud is a criminal offence - if you can realistically argue that a lettings agency has defrauded you. Fraud is not a civil matter. But the police are unlikely to accept that the behaviour of a lettings agency does amount to fraud, rather than just being a minor dispute about money that doesn't meet the definition of fraud.
  4. I'm wondering if the Ukraine defaults on their debt, and take down the Russian banks with them, what sort of chain reaction there could be? Could this be the start of the second leg of the great slump globally? See http://www.telegraph.co.uk/finance/comment/10655777/Ukraines-economy-more-fragile-than-its-uneasy-peace.html for a discussion of the default looming.
  5. Cuba Uruguay Nicaragua and Trinidad
  6. I'm afraid you are misinformed. You believe the entirety of government spending is funded by personal taxation. You believe there is no such thing as VAT or corporation tax or excise duty. You are misinformed. Even if personal taxation was exempted for those who choose not to vote, the government would still have the half of tax revenue that doesn't derive from personal taxation to provide basic public services to the population. (See Hong Kong where public spending is just 20% of GDP for evidence that the UK could, eventually, whittle the state down to that level.) Isn't it amazing that ordinary people, such as the people in this thread, spout state propaganda without realising they heard it first on the BBC - we have people hear propagandising for personal taxation and claiming those who don't pay income tax can't walk on the road - that is covered by VAT and other income streams. This is getting silly.
  7. Well, in a way you're right. Utah is Mormon - but that is another way of saying that Utah has one of the highest white percentages of US states - and that probably is a reason why the project is a success. Suck in the African-American underclass, and you might find that handing out apartments only led to more and more drug dens...
  8. This programme just proves what a high social cost high property prices have. Crime rates and A&E visits by the homeless are a part of a whole complex of issues that would be solved by reasonable property prices.
  9. Let me add, when I say "any level of violence", I do include homicide. If you squat in someone's home, you are in my eyes an outlaw. If you get killed - you had it coming.
  10. The proof is: they are in someone else's home. No further proof is required.
  11. Yes. Let's do a deal. Those who agree never to have a vote - should be exempt from all taxation including income tax, national insurance and council tax. I'd go for it!
  12. Well, yes, Harriet Harman - the niece of the Countess of Longford - simply brazens it out and refuses to accept she had a privileged upbringing. She says she worked to ensure women in manual jobs were paid the same as men - but in my experience, in unskilled jobs, there is no distinction in pay anyway. The real distinctions come higher up - where people who are particularly skilled or particularly good at their jobs can argue for more money - and so Starkey is right to say that in nearly all cases it is middle-class and upper-class women who have benefited from Harriet Harman's egalitarian campaigns. Actually working-class women have had their lot in life considerably worsened by such campaigns. Because the way HPI worked is that when all women went out to work, house prices simply went up from 3 times a man's salary to 6 times a couple's joint salary - and the benefit to the women involved was, once again, zero. Harman is a disgraceful individual. There are millions of women on the treadmill in life whose lives have actually been destroyed by this egalitarianism and the way it has fed HPI. It all comes back to property prices in the end.
  13. This is just a judge trying to overturn the will of Parliament and substitute his own opinion. Personally, I think people should attack squatters in their own homes with anything they have. If I were on a jury, I would not convict a homeowner for any level of violence against a squatter.
  14. I agree that "no taxes without representation" - the principle behind the US war of independence - should also mean "no representation without paying taxes" - so he is right. Just as long as we introduce a land value tax first and ensure that people's wealth is not garnered by the land fraud game. You could refine it to say: representation only for those who pay taxes on income/capital (and not for those who just earn money from rentierism). That way Parliament would be biased against the rentiers.
  15. I voted NO to keep Sunday special. It is already not special enough - and I would force Tesco and the others to close to recreate a family day. We seem determined to destroy family life in this country.
  16. Is it OK to chuckle at the plight of people in expensive homes in Somerset? I bet few of these people made as much money from hard work as they did from playing the land appreciation game. What's wrong with them organising themselves to do the dredging? Why should they always be calling on the state to "do something"? These people generally lead rather comfortable lives - welcome to real life, folks!
  17. Yes, I noticed that - but not for further borrowing. I don't know what UNISYS means on the page either. I can phone and ask.
  18. Number 3 on that list - the LTV doesn't make any difference - with BoS you still have to take 6%+ next time you remortgage whatever the LTV (the bank is frankly bankrupt and on UK plc life support) - but obviously if it were not for #3 I would just remortgage elsewhere. BoS is never mentioned in the UK press - it's all RBS this and that - but BoS never gets a look in - they specialise in self-cert and self-employed mortgage-holders, which tells you what you need to know. The 6.19% applies to all LTV ranges (they'll lend up to 90%) - as long as you need further borrowing when you move and port the product. LTV has nothing to do with this. The latest "bargain" rates for existing BoS customers are all in http://www.bosmortgages.co.uk/pdf/product-range-and-current-rates.pdf
  19. I am one of the unfortunates on a Bank of Scotland mortgage. Now on the Standard Variable rate - itself an extortionate 4.95%, I noticed today that the Homemover mortgage for existing BoS mortgage customers for further advances when porting an existing product is a mortgage with an initial tracker rate of 6.19% for 2 years (5.69 percentage points above the Bank Rate) and then the SVR thereafter, with a fee of £995! Despite "years of low interest rates" criticised in the papers - I don't seem to be able to get low rates myself.
  20. Do you have a 2% mortgage? I don't. I don't know anyone who could get one.
  21. You could also make a rule that only people of British descent (as in descended from the native stock who have been here for centuries) got the Citizen's Income. We're constantly told immigrants are here to finance our pensions and benefits - although I think it works the other way round in most cases. But in any case, if they're here to support us - let's run with that concept - and only give ourselves the CI. That would be cheaper.
  22. The numbers jump around a bit - we've been in a slump, then out of it, then in a double dip, then not in a double dip after all, and now in a "boomlet" - so are out of the woods? I keep thinking there's another piece of footwear to fall. Interest rates have to go up sometime. QE has to be either reversed, or the money allowed to feed into higher inflation. What about the fact that this boomlet is largely mortgage-credit based, and there is little business investment? Will further news from the eurozone change things? What about continuing austerity? I can't quite believe that in a few months we've gone from looking at a triple drip to a boom - all on the back of Help to Buy. Are we through the worst, or is the best (HPC) yet to come?
  23. I saw that horrible gypsy video - and the worse thing is that once they're here the authorities will describe them as "British" - part of the new multicultural population who lord it over us here.
  24. Yes. I'm hoping the taxpayer will be equally generous when it comes to floating LLOY shares - taking a huge loss so as to offer the shares cheaply - or even as some investment banks have suggested giving free shares to all people in the UK.
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