Friday, 23 January 2015

Government owned bank UKAR LTD tries to evict man with cancer but stopped by people

How disgusting it is to discover that a bank has decided to ignore it's own banking mistake and try to evict a cancer sufferer from his house. Consider how wrong that is when the bank doing it is actually nationalised and owned by the tax payer or people. The bank is the formerly failed Bradford and Bingley  renamed UKAR Ltd.


The property owner had an endowment mortgage with the bank and when it came to paying out, to pay off the mortgage, the bank said it had lost the policy. The banking ombudsman stood bye and did nothing to help him.



Watch incredible moment 200 strangers stop bailiffs from evicting cancer patient from his home.
http://www.mirror.co.uk/news/uk-news/watch-incredible-moment-200-strangers-3905741
Tom Crawford, 63, posted a desperate video on YouTube and promised well-wishers a 'lovely cup of tea' if they joined his peaceful protest


Hundreds turned up to stop the eviction of Tom Crawford

Hundreds of Facebook users from across the UK formed a vigilante ‘flash-mob’ to stop a frail cancer patient being evicted from his bungalow.

More than 200 strangers descended on the quiet cul-de-sac after Tom Crawford, 63, issued a desperate online plea for help.

He promised well-wishers a “lovely cup of tea” if they joined his protest against being booted out of the home where he has lived for 25 years.
http://www.mirror.co.uk/news/uk-news/watch-incredible-moment-200-strangers-3905741
Tom, who posted a video on YouTube asking for help, was astonished when hundreds of Facebook users answered his ‘call to arms’.

People from as far afield as Wales and Newcastle travelled to his smart three-bedroom bungalow in Nottingham after learning of his plight.

And when bailiffs turned up yesterday afternoon they were forced to leave empty-handed - because they could not get past the crowd.

Emotional Tom said: “I can’t believe that people have come from all over the country to support me. It’s really overwhelming and I really didn’t expect it.

“This is something I feel very passionate about - I’ve been here more than 25 years and have brought three children up here. I’ve worked hard all my life.”

Tom Crawford's Youtube appeal for help to prevent being evicted from his home

Tom has been embroiled in a five-year legal battle with now-defunct building society Bradford and Bingley over a disputed mortgage.

He claims he paid off his loan but bailiffs say he still owes £43,000 in repayments and want to seize his home.

Earlier this year a judge ruled against Tom and ordered him to pay off his mortgage by 9am on Wednesday or face a forced eviction.

In a desperate bid to keep his home, the retired flooring specialist made a heartfelt video explaining his predicament and posted it on YouTube.

In the 11-minute clip, the father-of-three, who is battling prostate cancer, said: “Please come and help us, there will be a lovely cup of tea waiting for you.

“But don’t use violence, they are the ones who use violence. This is a war, for the people. It may only be a small bungalow, but it is my bungalow, my land, my home.”

Tom and his wife Susan, 54, took out an endowment mortgage with the bank to buy the bungalow for £41,800 in 1988.

They paid £300-£00 in monthly mortgage repayments and expected to own the property when the mortgage came to an end last year.

Tom Crawford appealed on You Tube for help from members of the public to prevent him being evicted from his home

But he claims the bank told him in 2007 that he would never pay off his mortgage because there was no record of him taking out the endowment mortgage.

He then says a bank manager assured him this was incorrect and even sent his wife champagne to apologise.

But soon he was embroiled in a court battle over the mortgage, which he says the bank converted into an interest only loan without his knowledge.

The grandfather-of-two added: “That endowment was like an insurance policy that would cover the lump sum at the end of the mortgage.

“Now they say they cannot find a record of the endowment, they have lost it somewhere, they won’t even let me see the deeds to the house.

“I complained to the ombudsman, but they said there was nothing they could do as my claim was date restricted.

“This has been a huge battle for me and at times I’ve felt like no one wanted to help us.

“But this shows there are people out there who feel the same way and it has been very emotional to talk to all the people who have come to show support.

“As far as I’m concerned, I have paid my mortgage and I won’t pay a penny more.

“When I was diagnosed with cancer the surgeons made mistakes and left me needing six operations to fix what they did.

“In that time I couldn’t work, my wife had to work three jobs to cover it and we got into arrears on the mortgage.

“They tried to repossess the house then, but we paid back and caught up and everything should have been ok.

“Now they are putting us through hell and something needs to be done about it, they can’t keep getting away with this.”

Supporters who went to help Mr Crawford are pictured in the street

Supporter Andrew Southard said he had been so touched by Tom’s plight that he drove nearly 100 miles from him home in Bedford to help.

The 51-year-old said: “I watched the video and the way Tom talked about the story just touched me. Personally, I think this is an injustice.

“When something moves people to actually take days off and travel a long distance to try and help, it’s incredible. It just shows the strength of feeling.”

Peter Smith felt the same, and made a 230-mile round trip from Newtown, in Wales, to join the protest.

The 72-year-old said: “When I heard about Tom’s case, I knew straight away I wanted to help. The family have been living in a constant state of worry.

“Anyone could be a victim of this type of thing; it’s important to fight the system.”

Tom’s daughter Amanda Pike, who helped spread the word on Facebook, said: “It’s been heartbreaking and it’s taken years off my family.

“But it’s been amazing to see the support from people all over the country. We thought we might get 20 or so coming along but to see all these people gas been phenomenal.

“This was a last-ditch attempt and we have no idea what will happen now but we had to try something.”

Bradford and Bingley was nationalised in 2008 during the financial crisis.

The main banking section was sold to Abbey National while existing mortgages remained in public control.

Mortgages are now collected by UK Asset Resolution Limited, which was set up by the Government.

UK Asset Resolution Limited, on behalf of Bradford and Bingley, today confirmed the eviction did not take place due to safety concerns.

Who then are ukar Ltd


Northern Rock

Government-owned bad bank UK Asset Resolution repays £8bn of funding

UKAR – which united parts of Northern Rock and Bradford & Bingley – channels payments made by mortgage customers


 Richard Banks, chief executive of UKAR. Photograph: Christopher Thomond for the Guardian Christopher Thomond/Guardian

The government-owned "bad bank" that unites the nationalised parts of Northern Rockand Bradford & Bingley has now repaid £8.3bn of government funding since it was formed in October 2010. It owed £48.7bn when it was created.

The sum includes the £1.7bn repaid in the three months to the end of September by UK Asset Resolution (UKAR), which makes payments to the government as customers of the two bailed-out banks repay their mortgages.

Richard Banks, chief executive of UKAR, said some customers were facing financial difficulty and that it had contacted more than 20,000 customers with interest-only mortgages to establish if they have strategies to repay their home loans.

Banks is also contacting customers to ensure they are prepared for any potential rises in interest rates from their historic low levels.

Banks does not expect UKAR to make a profit from running the government's Help to Buy mortgage guarantee scheme and expects to deploy about 20 staff to review applications by potential borrowers.

UKAR employs about 2,000 and reported a 15% rise in nine-month profits to £856m as the number of customers in arrears fell and the bad debt charge reduced. Mortgage customers three or more months in arrears fell by 11%




 



 

Thursday, 22 January 2015

Art exhibition coming soon on Saturday morning 31/01/2015

Saturday morning in Lymington on 31/01/2015 coincident with Lymington market day marks the return of the Art exhibition. The event  is coincident with the SVP cooked lunch in Joseph' s place at Our Lady and St Joseph hospitality centre.
If you have an interest in fine art come along and meet local artists from as far as Waterside Art group. Art pieces are for sale and artists are willing to accept commissions for original art.
If you have a photo of a favourite pet or loved one, what could be better than to see them depicted in paint, pastel and water colour.
Entry is free and event open from 10am to 2pm

below are examples of art work and previous event...




















Monday, 19 January 2015

post office scandal mp's show lack of confidence to post office managers

To be accused of dishonesty is quite a shocking thing especially when you believe you are innocent. In the recent past, the post office subpostmasters had to use a software system known as Horizon for accountancy. The accountancy system has been admitted to have a glitch. That is computerese for a mistake. The subpostmasters accused maintain that the discrepancies discovered  some amounting to around £20,000, are due to software faults. Postmasters were then prosecuted for fraud and forced to plead guilty to avoid a bigger sentence.
Putting the accusation to oneside one must question the method adopted by the post office management. EACH accused postmater was told they were the only person who had the problem with the horizon software However that was found to be a lie since several hundred post masters were accused and prosecuted of the same crime. Most of those accused now have a criminal record and fine or prison sentence. This as voiced by a group of mp's has to be a massive injustice and national disgrace. Some mp's are asking for the management of the post office to be replaced. If you feel strongly about this issue write to your m p at
writetothem.Co.uk

see article below for details...

As reported by ComputerWeekly.com

MPs debated subpostmaster IT injustice claims

Karl FlindersTuesday 16 December 2014 15:23

A debate about the Post Office scheme to redress the grievances of subpostmasters, who have been fined and even imprisoned as a result of alleged problems with the accounting system they use, will be held on 17 December in Westminster Hall.

A 90-minute adjournment debate at 2.30pm will be held after James Arbuthnot, MP for Hampshire North East, applied successfully for a debate on the subject to be held in Parliament.

Last week, 140 MPs, led by Arbuthnot,removed their support for the Post Office investigation and mediation process for subpostmasters. This followed a loss of faith in the process.

In 2009, Computer Weekly revealed the stories of subpostmasters who had received heavy fines and even jail termsfor alleged false accounting, which they blamed on the Horizon accounting system provided by the Post Office.

Arbuthnot told Computer Weekly he hopes the debate will give his campaign the opportunity to “stop the Post Office acting as its own prosecutor” by bringing the cases to the government’s attention.

He also hopes the debate will ensure he can prevent any evidence collected in the investigation from being destroyed in the future and try to prevent the Post Office using the time passed since claims were made as a reason for not hearing them under the statute of limitations.

He will also call for a government review. Arbuthnot said: “I have been leading a group of over 140 MPs all of whom have constituents who have been subpostmasters affected by shortfalls which have mysteriously appeared during the course of their business and for which they have been made liable by the Post Office.

"This has led to enormous distress for the subpostmasters, who have lost their businesses and often their houses and had their reputations tarnished. I have been the coordinator of MPs who have for years been fighting for some form of redress to be available to those who have not committed any wrongdoing.”

“In recent months MPs have discovered that the Post Office was using the procedures of Mediation Scheme to argue that most of the cases giving rise to concern should not, despite what was agreed with MPs, be permitted to go through mediation.  This was done without the Post Office’s telling MPs they were doing it,” he added.

Last week Arbuthnot announced he no longer supported the Post Office investigation.

“I will be continuing my campaign for justice in other ways.”

Although a fault has never been found with the Horizon software, there are questions over the processes that surround its use, including systems that interface with it and training.

Watch the debate live here at 2.30pm on Wednesday 17 December.

 Bankruptcy, prosecution and disrupted livelihoods – postmasters tell their story

 Postmasters form action group after accounts shortfall

 Post Office theft case deferred over IT questions

 Post Office faces legal action over alleged accounting system failures

 85 subpostmasters seek legal support in claims against Post Office computer system

 Post Office launches external review of system at centre of legal disputes

 Post Office admits that Horizon system needs more investigation

 Post Office announces amnesty for Horizon evidence

 Post Office wants to get to bottom of IT system allegations

 Investigation into Post Office accounting system to drill down on strongest cases

 Post Office Horizon system investigation reveals concerns

 End in sight for subpostmaster claims against Post Office's Horizon accounting system

 Former Lord Justice of Appeal Hooper joins Post Office Horizon investigation

 150 subpostmasters file claims over 'faulty' Horizon accounting system

 Fresh questions raised over Post Office IT system's role in fraud cases

 MPs blast Post Office over IT system investigation and remove backing

 Why MPs lost faith in the Post Office's IT investigation, but vowed to fight on

Related Topics: IT suppliers, Business applications, Financial applications, IT for government and public sector, VIEW ALL TOPICS


Read More

RELATED CONTENT FROM COMPUTERWEEKLY.COM
MP accuses Post Office of acting "duplicitously" in IT investigationWhy MPs lost faith in the Post Office's IT investigation, but vowed to fight onPost Office Horizon system investigation reveals concernsMPs blast Post Office over IT system investigation and remove backingInvestigation into Post Office accounting system to drill down on strongest cases

Sunday, 18 January 2015

public flogging blogger victim should be released

The wife of imprisoned blogger Raif Badawi has called on the international community to pressure the Saudi Arabian authorities to release her husband, after his public flogging was postponed this weekend.



Ensaf Haidar was told that the second part of her husband’s punishment, due to take place on Friday after prayers, had been delayed because a doctor had judged that the injuries he had suffered from being lashed the previous week had still not healed and he would not be able to withstand more.

Badawi, 31, was found guilty of offences related to his blog, the Saudi Free Liberals Forum, as well as accusations that he insulted Islam. He was sentenced to 10  years in jail, a heavy fine and 600 lashes – raised on appeal to 1,000 – to be administered at a rate of 50 a week.

http://www.theguardian.com/world/2015/jan/16/saudi-arabia-postpones-flogging-blogger-raif-badawi

children's liturgy 18/01/2015 lamb of God

Today the children explored the concept of sacrifice as in the ancient religions dating back to the first testament.  It seems abhor ant to us now but in the past the ancients would offer human sacrifice to the gods in thanks for life itself. In the time of Jesus this was altered to sacrificing  young animals such as Lambs.
It is ironic that Christ was crucified on the cross and  offered to god as a sacrificial lamb.

see below for pictures





















Friday, 16 January 2015

Charlie Hebdo-Do two wrongs make a right ?

The recent Muslim extremist attack on the satirical magazine in France was a complete abomination and evil act as was the attack and murder of Lee Rigby the soldier who was beheaded in the name of God.
Recently Pope Francis spoke out on his visit to  phillipines. He warned that respect for religions should be a matter of course and to mock religion in any format was abusing the right to free speech. No one of sane mind would support the murderous attack on the staff of Charlie hebdo but at the same time one cannot stand back and accept full scale insults and disrespect against religious beliefs of all religions. The magazine has indeed previously insulted the Christian and Catholic church and Pope Francis has indicted this in his recent speech.
He who has not sinned cast the first stone but let's just stop throwing stones around glass buildings ...

Pope Francis

 Pope Francis: 'one cannot make fun of faith' -

Pope Francis tells journalists there are limits to freedom of expression and that following the Charlie Hebdo attack in Paris 'one cannot make fun of faith'. On a plane from Sri Lanka to the Philippines, the largest Catholic majority country in Asia, the pope says freedom of speech is a fundamental human right but 'every religion has its dignity'

Source: Reuters

Thursday 15 January 2015 16.52 GMT

Pope Francis Religion Charlie Hebdo attack
 Muslims and the UK media: 'It's not just the Charlie Hebdo cartoons'

Pope Francis: freedom of expression has limits

Pope Francis greeted by Catholic devotees in Philippines -

Jewish schools in Belgium shut after terror warning

Queues in UK as Charlie Hebdo goes on sale –



http://www.macleans.ca/authors/martin-patriquin/charlie-hebdo-harsher-christianity-islam/

Should the Nigerian government save the school girls ?






http://www.telegraph.co.uk/news/worldnews/africaandindianocean/nigeria/10947211/Missing-Nigerian-girls-whatever-happened-to-Bringbackourgirls.html

Missing Nigerian girls: 11 parents of abducted girls die from stress and attacks

In just three months, seven fathers have been killed by insurgents and at least four more parents have died of heart failure

In the three months since Islamic extremists kidnapped more than 200 Nigerian schoolgirls, 11 of their parents have died, town residents say.

http://en.m.wikipedia.org/wiki/Chibok_schoolgirls_kidnapping

The town where the girls were kidnapped, Chibok, is cut off by militants, who have been attacking villages in the region.

Seven fathers of kidnapped girls were among 51 bodies brought to the Chibok hospital after an attack on the nearby village of Kautakari this month, said a health worker who insisted on anonymity for fear of reprisals by the extremists.

At least four more parents have died of heart failure, high blood pressure and other illnesses that the community blames on trauma due to the mass abduction 100 days ago, said community leader Pogu Bitrus, who provided their names.

"One father of two of the girls kidnapped just went into a kind of coma and kept repeating the names of his daughters."

President Goodluck Jonathan met Tuesday with parents of the 219 kidnapped Nigerian schoolgirls and some classmates who managed to escape from Islamic extremists. Jonathan pledged to continue working to see the girls "are brought out alive," said his spokesman of the meeting which press were not permitted to attend.

Chibok, the town where the girls were kidnapped, is cut off because of frequent attacks on the roads that are studded with burned out vehicles. Commercial flights no longer go into the troubled area and the government has halted charter flights

Boko Haram is closing in on Chibok, attacking villages ever closer to the town. Villagers who survive the assaults are swarming into the town, swelling its population and straining resources. A food crisis looms, along with shortages of money and fuel, said community leader Bitrus.

On the bright side, some of the young women who escaped are recovering, said a health worker, who insisted on anonymity because he feared reprisals from Boko Haram. Girls who had first refused to discuss their experience, now are talking about it and taking part in therapeutic singing and drawing - a few drew homes, some painted flowers and one young woman drew a picture of a soldier with a gun last week.

Girls who said they would never go back to school now are thinking about how to continue their education, he said.

Counseling is being offered to families of those abducted and to some of the 57 students who managed to escape in the first few days, said the health worker. He is among 36 newly trained in grief and rape counseling, under a program funded by USAID.

All the escapees remain deeply concerned about their schoolmates who did not get away.

A presidential committee investigating the kidnappings said 219 girls still are missing. But the community says there are more because some parents refused to give the committee their daughters' names, fearing the stigma involved.

Boko Haram filmed a video in which they threatened to sell the students into slavery and as child brides. It also showed a couple of the girls describing their "conversion" from Christianity to Islam.

At least two have died of snake bites, a mediator who was liaising with Boko Haram told AP two months ago. At that time he said at least 20 of the girls were ill - not surprising given that they are probably being held in an area infested with malarial mosquitoes, poisonous snakes and spiders, and relying on unclean water from rivers.

Most of the schoolgirls are still believed to be held in the Sambisa Forest - a wildlife reserve that includes almost impenetrably thick jungle as well as more open savannah. The forest borders on sand dunes marking the edge of the Sahara Desert. Sightings of the girls and their captors have been reported in neighboring Cameroon and Chad.

In Chibok, the town's population is under stress.

"There are families that are putting up four and five other families," local leader Bitrus said, adding that food stocks are depleted. Livestock has been looted by Boko Haram so villagers are arriving empty handed. Worst of all, no one is planting though it is the rainy season, he said.

"There is a famine looming," he warned.

Chibok and nearby villages are targets because they are enclaves of staunch Christians in predominantly Muslim north Nigeria.

The number of soldiers guarding Chibok has increased from 15 to about 200 since the kidnapping but they have done little to increase security in Chibok, said Bitrus. The soldiers often refuse to deploy to villages under attack though there is advance warning 90 percent of the time, he said.

Last month the extremists took control and raised their black flags over two villages within 30 kilometers (18 miles) of Chibok. Last week they ordered residents of another village just 10 miles away to clear out, Bitrus said. Every village in the neighboring Damboa area has been attacked and sacked, and all the villages bordering Cameroon have been burned and are deserted, Bitrus said, quoting residents who fle

The attacks continue despite the fact the military placed the area under a state of emergency in May 2013.

Residents feel so abandoned that they appealed this month for the United Nations to send troops to protect them. The U.N. has repeatedly urged Nigeria's government to live up to its international responsibility to protect citizens.

President Goodluck Jonathan insists his government and military are doing everything possible to ensure the girls' release. The Defense Ministry says it knows where they are but fears any military campaign could lead to their deaths.

Boko Haram leader Abubakar Shekau in a new video released this week repeated his demands that Jonathan release detained extremists in exchange for the girls - an offer Jonathan has so far refused.

After three months, few Chibok residents believe all the schoolgirls will ever return home.

Nigeria: is it the next Rwanda?

The Christian school girls captured by the Muslim extremists for some 100 days now are still being abused and slaughtered by Muslim extremists who believe all Christians are not fit to live and should be murdered.
It appears the predominantly muslim northern Nigeria have small enclaves of devoted Christians who are persecuted for following Christ. The Nigeria government claims they are aware of were the school girls are being held but believes they do not want to rescue the girls for fear the captors will slaughter them. The local population effected feel abandoned by the Nigerian government and have asked the UN to send troops to rescue the girls and stop the growing violence that their own government appear unwilling to stop even when notified in advance.
This act of terror of murdering people in the name of the profit is on a level with the recent Charlie Hebdo slaughter of 12

http://www.nbcnews.com/storyline/missing-nigeria-schoolgirls/boko-haram-appears-be-using-abducted-girls-suicide-bombers-experts-n284456

http://www.telegraph.co.uk/news/worldnews/africaandindianocean/nigeria/10984769/Missing-Nigerian-girls-11-parents-of-abducted-girls-die-from-stress-and-attacks.html


Wednesday, 14 January 2015

Peggy - a life in the day

It's been a short while now since we last heard Peggy's exalted tones in Our Ladies Lymington Sunday mass along with her distinctive hats she was indeed quite a character and much loved.She will be remembered for her high soprano voice and her exotic pink hat complete with feathers.
on a sunny day her funeral took place and she went to her final resting place in Lyndhurst.
God rest Peggy x