Showing posts with label Money and Debt/Financial Developments. Show all posts
Showing posts with label Money and Debt/Financial Developments. Show all posts

Tuesday 29 July 2014

Clarkson 'must go' after racism ruling, Daily Express

Jeremy Clarkson, Clarkson, Clarkson racism, Clarkson racism ruling, Clarkson must go

Regulator Ofcom found the BBC breached the broadcasting code when Clarkson used a derogatory term for people of Asian descent in a Top Gear show filmed in Burma and screened in March.
Lawyers for complainant Somi Guha, an Asian-born actress, said Clarkson should be fired.
Lawrence Davies, of law firm Equal Justice, yesterday said: “When it comes to racism, Clarkson is a serial offender. He is already on a final written warning and must be immediately disciplined.”
Three months ago Clarkson was given a final warning by the BBC for apparently using the “n-word” in unaired Top Gear footage.
 Comment:
 Although we all know that Jeremy Clarkson and his fellow presenters, James May and Richard Hammond can say some stupid and ill-thought out  remakes, and due to unscrupulous lawyers and people who believe that they should receive compensation for “ perceived “  insults will always take advantage hoping for the big payout

Parking cowboys hit cancer victims: Now scandal of 'disgraceful' fines spreads to NHS hospitals Daily Mail


A legitimate Penalty Charge Notice: Rogue parking firms hand out cynically similar 'Parking Charge Notices' which do not have the same standing as official fines, but are followed up with letters threatening court action
A legitimate Penalty Charge Notice: Rogue parking firms hand out cynically similar 'Parking Charge Notices' which do not have the same standing as official fines, but are followed up with letters threatening court action
  Rogue wardens have allegedly been told to focus efforts on cancer wards 
  Whistleblower claims he was told to 'give tickets regardless of any illness'
  Politicians and campaigners call for crackdown on rogue parking firms

Cancer patients undergoing life-saving chemotherapy are being targeted by ‘cowboy’ parking squads at NHS hospitals, it was claimed last night.

Rogue wardens working on hospital grounds have allegedly been ordered to focus on cancer wards because patients are likely to be distracted – and therefore late returning to their cars.

Hospitals were last night accused of encouraging the ‘disgraceful’ tactic, with some trusts even taking a cut of up to 10 per cent of the parking firms’ huge profits.


Monday 28 July 2014

Menace of the new parking cowboys: Drivers 'fined' £100 for overstaying by minutes at fast food chains and shops , Daily Mail


Warning: A branch of McDonaldÂżs Drive-Thru with parking restrictions advertised at the entrance

  Tickets doled out  private firms do not have official legal status

  Many are in fact issued unfairly and without the proper legal authority

  AA president Edmund King says many use 'scare tactics and bullying' 

  Drivers cannot be compelled to pay unless a court order is granted 

‘Cowboy’ parking squads hired by High Street firms are hitting hundreds of thousands of drivers with £100 ‘fines’ and using threats to make them pay up.

The companies – employed by fast food chains, retailers and railway operators – issue what appear to be official penalty notices, similar to those used by council traffic wardens. They then extract huge sums from drivers who are sometimes just a few minutes late in returning to their cars.

However, the tickets do not have the same legal standing as official fines.

Many are being issued unfairly and – in some cases – without proper legal authority.





Sunday 27 July 2014

Dog owner to sue council because her spaniel slipped a disc in GRASS and she cannot afford to pay the £5,000 vet bill Daily Mail

A
 dog owner plans to sue a council for thousands of pounds after her pet slipped a disc in grass while chasing a cat.

Scooby, a three-year-old Cavalier King Charles Spaniel, was injured after getting his leg caught in long grass on council-owned land in Brighton, East Sussex.

His disabled owner Rebecca Richardson, 48, claims that she now faces a £5,000 veterinary bill which she cannot afford to pay as she lives on benefits.

Campaigners criticised Mrs Richardson and her husband Steven, 49, for their claim and said it was yet another example of the ‘compensation culture gone mad’.

But Mrs Richardson said Brighton and Hove City Council, which owns her house and the land outside it, was negligent and ‘completely responsible’ for what happened to her pet. 

She claimed that she and other neighbours had been asking for the long grass outside their homes to be cut for a month before the accident. 

  Scooby the spaniel slipped a disc after getting his leg caught in long grass

  Disabled owner Rebecca Richardson, 48, says she now faces £5,000 vet bill

  Claims she cannot afford to pay it as she lives on benefits at Brighton home

  Believes city council is 'responsible' for fall because it failed to cut the grass

  But campaigners deem claim an example of 'compensation culture gone mad'

Please click here to read more:

'Devastatated': Rebecca Richardson, 48, is pictured with her pet dog Scooby, who slipped a disc in grass
Rebecca Richardson

Friday 25 April 2014

Martin Lewis : Why you can’t trust your bank - Money Dashboard

Martin Lewis : Why you can’t trust your bank - Money Dashboard



Martin Lewis - the Money Saving Expert himself - is one of the most respected names in personal finance. Over the next five weeks we’ll share his opinions on everything from juggling multiple accounts to wasting money.
Here, Martin takes on the subject of banks, and whether they’re really there to help…
This is exactly why Money Dashboard was created. Martin Lewis knows that the banks aren’t your best mate, and don’t exist to offer you independent advice. While a bank is there to sell you a product, Money Dashboard is completely independent, totally secure and free of charge, so instead of trying to push you to buy a product, we simply give you a clear view of your financial life. No strings attached.
You can track as many current, credit and savings accounts as you like, and sit back while our secure, read-only system does the hard work for you. Some say that we’re trying to disrupt and revolutionise the banking industry with our easy to use software, but Money Dashboard CEO Gavin Littlejohn sees things differently…

Saturday 11 January 2014

Think Benefits Street makes shocking TV? Try living there! A worrying dispatch from the once respectable street that's been making headlines all week, Daily Mail


  • Resident George Drummond used to be proud of the street where he lives
  • Not any more - the street features thieves, benefit cheats and child brides
George Drummond’s mid-terrace has what estate agents call ‘kerb appeal’. Neighbouring properties could do with a good lick of paint (and a lot more besides), but Mr Drummond’s home in James Turner Street, a brisk stroll from Birmingham city centre, is as neat as a pin, inside and out. 
The windows are spotless, the black and gold railings glisten in the winter sun, and his front garden, resplendent with potted plants and hanging baskets, could grace the Britain in Bloom contest.
‘I’m 83 and I have spent 53 years on this street,’ he said. ‘Always in this house.’ George Drummond is proud of his home, where he and his wife, a nurse, raised their three children. He is proud of his adopted country, having arrived here from Jamaica in the Fifties and spending the next 30-odd years as a bus driver, barely missing a day at the wheel. Once upon a time, he also used to be proud of the street where he has lived all his adult life. 
Stole ÂŁ13,000: 'White Dee' (Deirdre Kelly) presents herself as a leader of the local community
Stole £13,000: 'White Dee' (Deirdre Kelly) presents herself as a leader of the local community
Anyone who tuned in to Channel 4 at 9pm on Monday will understand why that last sentence is in the past tense. For the row of Victorian terraces is now the subject of a controversial five-part series, called Benefits Street, which began this week. 
By the time the first instalment had finished (it was repeated on Wednesday), James Turner Street in the heart of Winson Green had become possibly the most infamous residential street in the country. 
The ‘majority’ of residents in the 99 addresses are living off the state, the programme-makers told us, before introducing a motley cast of characters who could have walked straight off the set of The Jeremy Kyle Show.
Recidivist ‘Danny’ (Danny Smith) admitted being too lazy to work and was filmed demonstrating the tricks of his trade as a shoplifter. Mark and Becky (Mark Thomas and Becky Howe) brazenly told how they had all their benefits stopped because of fraudulent claims. 
‘White Dee’ (Deidre Kelly) and ‘Black Dee’ (Dee Roberts), nicknamed by their neighbours on account of their colour, presented themselves as leaders of the local community.
 
But we now know the former is a convicted criminal who, when employed by the city council, stole cash set aside for vulnerable tenants; and the latter is on bail in connection with a racially aggravated incident in James Turner Street last August and a drugs bust last June.
Some 4.2 million viewers saw the opening episode of Benefits Street, making it the most popular show on Channel 4 for more than a year. 
But there was instant controversy. Channel 4 itself could now face a police probe following complaints from members of the public and local politicians that the broadcaster ‘aided and abetted shoplifting in Birmingham’ by letting Danny brag about his methods. 
And there were howls of protest from those who took part in the programme. Residents claimed TV bosses bribed them with cigarettes, beer and McDonalds meals. 
Recidivist 'Danny' (Danny Smith) admits he is too lazy to work and was filmed demonstrating shoplifting
Recidivist 'Danny' (Danny Smith) admits he is too lazy to work and was filmed demonstrating shoplifting
They said they were made to look like ‘complete scum’ because the way they were portrayed was ‘unfair and unrepresentative’. 
The MP Dame Anne Begg complained that the show was a ‘misrepresentation’ of life for people on social security, as it focuses almost exclusively on people receiving unemployment benefits, which make up only a small proportion of the overall social security bill.
More than 3,000 people signed an online petition calling on Channel 4 not to screen the rest of the series. But would those same people feel the same way if they saw James Turner Street through the eyes of George Drummond and the many other decent residents we spoke to this week, many of whom were too frightened to be identified?
On Thursday morning, for example, a typical sight greeted Mr Drummond when he opened his curtains. Just a few yards from his front door, an old mattress and other rubbish had appeared in the middle of the road, surrounded by broken glass, empty cans of super-strength lager and discarded vodka bottles. Nearby gardens resembled Steptoe’s yard, with chairs, beds and junk piled high.
Lead has been stolen from the chapel roof four times in recent months. The stained glass windows, one couldn’t help but notice, were covered by metal security grilles. 
Home Office figures reveal police were contacted about some form of crime in James Turner Street every month last year, including drug abuse, criminal damage, arson and anti-social behaviour. 
One elderly couple told how, not so long ago, someone poured acid over the plants in their front garden. 
Why would anyone do such a thing? Simply because they had politely refused to allow some young children from the street to play in their back garden unsupervised. 
‘We could never prove it but we knew it was to do with that,’ said the husband. ‘That what we’re up against here.’
Insurance companies demand prohibitive premiums for vehicle cover in B18 — the Winson Green postcode. 
‘When I lived in Edgbaston, my insurance on one car was £500 a year and £400 on the other,’ said a young father, who ran a takeaway business in another part of Birmingham before being re-housed here by the council. 
‘When I called to renew my policy last month, they told me it would now be £3,000 a year for one car and £4,000 for the other. All because we live in B18.’
Benefit cheats: Parents Mark Thomas and Becky Howe were picking up ÂŁ1,500 a month in benefits
Benefit cheats: Parents Mark Thomas and Becky Howe were picking up £1,500 a month in benefits
His 12-year-old son, he said, is being singled out at school because of his address.
‘After the show went out, he got a text from a friend. It said: “Why didn’t you tell us you live on a bad street. You live on a thieves street, you are a thief. We won’t be your friend anymore. [sic]’’’
Indeed, James Turner Street has become a bizarre local attraction. Drivers have been spotted lowering their car windows to photograph the street sign on their mobile phones, just as they might with a famous landmark.
Yet perhaps the more depressing thing about the street is that in the Britain of today it is not especially unusual.
Figures for benefit claimants are not broken down street by street, so it is impossible to get an exact figure for the number of people receiving handouts in the road. 
It is worth stressing that it was ‘White Dee’, not the documentary-makers, who said: ‘Probably, five per cent of people on this road are working.’ And it was ‘Black Dee’ who was seen walking along, pointing at house after house, declaring almost triumphantly: ‘Unemployed, unemployed, unemployed.’ The narrator was more circumspect, saying only that the ‘majority’ of residents were on benefits of between £500 and £900 a month.
James Turner Street was chosen because it falls within Soho ward, part of the Ladywood parliamentary constituency. In Soho, 9.8 per cent of all residents of working age claim Jobseeker’s Allowance alone, which is more than three times the national average according to the most recent data. 
But in other wards the jobless figure is even higher: Aston (12.1 per cent), Sparkbrook (11), Handsworth (10.5), Washwood Heath (10.2). Comparable areas can be found across the country.
In other words, James Turner Street is just one of many where the ‘something for nothing culture’ — to use Work and Pensions Secretary Iain Duncan Smith’s words — has transformed the fundamental character of a once-respectable neighbourhood. Take the house where Mark Thomas and Becky Howe live. The couple, both 23, have two children and were picking up £1,500 a month in benefits from this address at one point. By their own admission, all their payments stopped after they were caught fiddling claims — but they still see themselves as victims. 
‘They [the producers] just tried to make us look like slums — everyone on the street is fuming about it,’ Miss Howe told the Birmingham Mail. ‘Half of my family and friends have already disowned me because of it. Some want me to change my name by deed poll.’
Romanian immigrants - including a child bride and one English speaker - who clash with other residents
Romanian immigrants - including a child bride and one English speaker - who clash with other residents
Controversial: The series has been attacked for its portrayal of claimants
Controversial: The series has been attacked for its portrayal of claimants
Yet isn’t there a telling contrast when you see who once lived here? 
The 1911 census tells us that Mark and Becky’s house was once home to Edwin Toole, 69, and his wife Elizabeth, 59. Edwin was a blacksmith and Elizabeth a shop manager. Their daughter Sophie, 21, was a sewing machinist and her sister, 19, worked in a warehouse. 
Hard work, not fraudulent benefit claims, paid the family’s bills.
Or take the case of 32-year-old Dee Roberts, aka ‘Black Dee’, who has not worked for six years. 
Back when the street was first built, her house was occupied by Frederick Hodges, 48, his wife Laura, 47, Mabel, 18, and Howard, 16. 
Every member of the family was in employment — Frederick as a house painter, Laura as a nurse, Mabel as a typesetter and Howard as a sewing machine mechanic.
Today, a few doors along the road, we find Deirdre Kelly, 42. Viewers were told that ‘White Dee’ was struggling to bring up two children on benefits, and there was no sign of a partner. Yet her Facebook page, until a few days ago at least, was full of photos of family holidays and pop concerts.
‘I will always look out for my friends because that is the sort of person I am,’ declared the woman who boasts of being the ‘mother of the street’ but who once stole £13,000 from the vulnerable to fund her lover’s crack habit.
In 1911, Deirdre Kelly’s residence was home to Ellen Ashforth, 41, who was a full-time mum to five children, four aged under ten. Her husband Jesse, 38, and one son, 20, were both silversmith polishers.
The traditional values espoused by working-class families like the Ashforths, Hodges and Tooles, and passed down from father to son, mother to daughter, continued down the generations until George Drummond arrived on James Turner Street in the Sixties. 
Proof decent people still live there: Long-suffering resident George Drummond
Proof decent people still live there: Long-suffering resident George Drummond
By then he was married and employed on the buses. His three children attended the school at the top of the road. Many of their neighbours worked at firms such as General Electrics and IMI.
‘We all left in the morning and came back in the evening,’ he recalled in the lounge of his three-bedroom terrace, which is covered in family photos.
‘You knew everybody. Many  owned their own homes and people took pride in them. In summer, everyone would be out the back. Maybe you might have a beer, but there was never any trouble.’
Over the years, like most industrial cities, Birmingham slid into economic decline and ‘working class’ was replaced by ‘underclass.’
The most dramatic change in James Turner Street occurred around seven years ago, coinciding with the closure of General Electrics, which provided thousands of local jobs. Owner-occupiers began to move out, and people in temporary housing began to move in. 
It was around this time that Deidre Kelly surfaced in the road.
Mr Drummond stresses that he has nothing against any of the residents on his street but adds: ‘You don’t know now who your neighbours are. You’re not able to get to know them. They might be there one day and then they’re gone. The nextdoor house has been empty for a month, and so has the one with all the rubbish out the front.’
The school at the end of the street where Mr Drummond’s children went, and where pupils now speak 20 different languages, was placed in ‘special measures’ by Ofsted in July. Inspectors found attendance and standards of reading, writing and maths to be ‘below average’.
Back on the street, we finally caught up with ‘Black Dee’, in a manner of speaking. She ‘spoke’ to us through the letter box of ‘White Dee’s’ house: ‘You lot have been harassing me and I don’t want to talk to you. If you print anything that is wrong, I will sue for libel.’
No doubt, we will be seeing more of the two Dees in future episodes of Benefits Street. Apparently, we will also be introduced to a family of Romanian immigrants — including a child bride and one solitary English speaker — who clash with other residents.
‘I cried when I saw the documentary,’ admitted one elderly women, who has lived on the street for 40 years. ‘It broke my heart. It used to be a beautiful street. It was full of families and hard-working people. It was a lovely community.’
But isn’t the story of James Turner Road also the story of the way so much of Britain is now going?


Read more: http://www.dailymail.co.uk/news/article-2537414/Think-Benefits-Street-makes-shocking-TV-Try-living-A-worrying-dispatch-respectable-street-thats-making-headlines-week.html#ixzz2q4bk8uLy
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Wednesday 8 January 2014

We dropped the ball on gambling, says Labour MP: Tom Watson believes party 'should never have licenced' fixed-odds machines, Daily Mail Story


  • Former Minister said body of evidence shows terminals fuel addiction
  • Lib Dems challenged to back Labour in motion to let councils undo Act
  • Punters lose up to £300 a minute on computer roulette on high streets

Attack: Former Minister Tom Watson has blasted Tony Blair's Labour administration for giving rise to the betting crisis across the UK today
Attack: Former Minister Tom Watson has blasted Tony Blair's Labour administration for giving rise to the betting crisis across the UK today
New Labour ‘dropped the ball’ by giving the green light to fixed odds betting terminals dubbed the ‘crack cocaine’ of the High Street, a leading Labour MP said last night.
Former Minister Tom Watson said Labour ‘should never have licensed these machines’ as his party prepares today to force a Commons vote on the issue.
Liberal Democrats - who want a crackdown on the betting machines - will be challenged to back a Labour motion calling for councils to get the right to ban the terminals if they cause problem gambling and anti-social behaviour.
But Mr Watson said fixed odds terminals, which allow punters to lose up to £300 a minute on computer roulette, should never have been licensed in the Gambling of Act of 2005.
He told the BBC’s Daily Politics show: ‘There’s a body of evidence that these particular kind of machines create in gambling addicts, and that’s something that Parliament should act on.
'Frankly we [Labour] should never really have licensed these machines in the way we did in 2005 and we should put the matter right as quickly as possible.
‘At the time all MPs let this category of machines go through almost on the nod. Our concern was supercasinos and the machines that go into supercasinos.
‘We basically dropped the ball on this one. We didn’t understand the impact this technology would have on the High Street. Now’s the time to put it right.’ 
Campaigners say there is academic evidence that the fixed odds machines are more addictive than other forms of gambling and say they are used by criminals to launder their money.
 
But ministers have refused to act until a review into betting machines is completed this autumn - a review that critics complain has been funded by the gambling industry.
Mr Watson said waiting for the review is ‘like waiting for the polar ice caps to melt -- we’ve been waiting years for this’.
Punters lose up to ÂŁ300 a minute on computer roulette games in high street betting shops like Coral
Punters lose up to £300 a minute on computer roulette games in high street betting shops like Coral
There are more than 33,000 FOBTs in Britain, with up to four in each high street betting shop. The so-called B2 machines made bookmakers £1.55billion last year - around half their annual profits -- with up to £1.2 billion of that coming from the fixed odds games.
Ed Miliband has announced that a future Labour government would give councils the power to ban high-stakes roulette machines from bookmakers’ shops if they pose problems in their communities.
Labour also plan to change the law so the time between plays is doubled from 20 to 40 seconds and put betting shops in a separate planning class so that councils can use planning powers to control the number opening in their area.
That last idea was endorsed by the Liberal Democrats at their party conference last September.
Shadow Sports Minister Clive Efford challenged the Lib Dems to back Labour’s motion in the Commons today: ‘Across the country, traditional bookies are being turned into mini-casinos, where people can gamble up to £300-a-minute.
Saturday's Mail: We went to get a first-hand view of the crippling effects of fixed-odds betting terminals
Saturday's Mail: We went to get a first-hand view of the crippling effects of fixed-odds betting terminals
The next Labour government will give powers to local communities to ban high stakes gambling machines from high streets.
‘Over recent months, we’ve seen the Tories and Lib Dems posturing on fixed odds betting machines, but totally failing to act.
‘If the Tories and Lib Dems refuse to back Labour’s proposals they’ll have to answer why they are standing up for the large betting companies rather than communities across the country.’
But former Lib Dem leader Charles Kennedy made clear that his party would not back Labour’s motion because they are waiting for the review to conclude.
Charles Kennedy: ‘I just think this is pre-emptive and premature. I have every sympathy with Tom’s argument and I hope the review will endorse it up this is putting the cart before the horse. It’s procedural not principled.’
Peter Craske, of the Association of British Bookmakers, said: ‘Gaming machines in betting shops are not new, they have been enjoyed by our customers for over 12 years.
‘This motion is just playing politics with the livelihoods of 40,000 staff and the enjoyment of eight million people.
‘Our new code for responsible gambling introduces new measures that will reduce harm, letting players set their own limits on the time they play or the amount they spend.
‘Banning a product for a political punch line does nothing to help problem gambler.’


Read more: http://www.dailymail.co.uk/news/article-2535591/We-dropped-ball-gambling-says-Labour-MP-Tom-Watson-believes-party-never-licenced-fixed-odds-machines.html#ixzz2pmeF73wZ
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Sunday 5 January 2014

Exposed: Bulgarian fixers tell new arrivals to UK... We will fake documents so you can claim benefits


  • MoS reporter posing as newly arrived Bulgarian offered illegal papers
  • Follows relax of benefit restrictions on New Year's Day for migrants

Eastern European migrants are being offered expert help to fraudulently milk the benefits system by an accountants agency run by a Bulgarian businessman, a Mail on Sunday undercover investigation has revealed.
Our reporter, posing as a newly arrived Bulgarian migrant seeking to claim benefits, was filmed being illegally offered bogus documents to support her application by an ‘advice’ agency in North London yesterday.
The news comes as work and benefit restrictions were relaxed by the Government on New Year’s Day for migrants from the EU’s two poorest nations, Bulgaria and Romania.
Galia, left, and Nina at Premium Advice 4 U Ltd in Wood Green, North London speaking to our undercover reporter
Galia, left, and Nina at Premium Advice 4 U Ltd in Wood Green, North London speaking to our undercover reporter
Our investigator, Maria, a 25-year-old Bulgarian graduate living in London, told the company – Premium Advice 4 U (PA4U) in Wood Green – that she had been in this country for two months, working cash-in-hand as a cleaner without paying tax or National Insurance, but now wanted to see what benefits she could claim.
Two women employees, Galia and Nina, spoke to her for around 45 minutes and much of their advice was legal and correct. 
But they also told her they could draw up bogus paperwork, falsely stating she had cleaned both their houses to back up a housing benefit claim.
 
PA4U, wedged between a shop with a hand-painted sign reading ‘Houses cleared’ and an accountancy firm, charges £20 for an hour-long consultation and its quarter-page advert  in London-based Bulgarian-language newspaper, BG Ben, claims that it can help with ‘any type  of benefits’.
The sole director of the company, which was registered in October last year, is 37-year-old Bulgarian Hristo Trifonov. He also runs a firm called Right Cleaners Limited, which changed its name from Safetrans Logistic Ltd in June last year and lists its activities as ‘freight transport by road’.
Change: Romanian migrants arriving at Luton Airport on the first day since the lifting of travel restrictions
Change: Romanian migrants arriving at Luton Airport on the first day since the lifting of travel restrictions
When The Mail on Sunday contacted the company, a man who called himself Ilian said he offered face-to-face consultations on benefits for £20, plus additional charges for extra services.
These include a £50 ‘registration fee’, £20 for help applying for a National Insurance number, £60 to register as self-employed, and £60 to prepare a tax return. 
PA4U also claims to provide help and advice with bank accounts, opening a limited company, arranging car insurance, MoTs, and exchanging a Bulgarian driving licence for a UK version. 
There is no suggestion that any of these activities involve any improper activity.
At yesterday’s consultation, the first woman, Galia, advised Maria that if she wanted to claim housing benefit she would need a National Insurance number. 
But, as a self-employed person, she would have to submit work records and references along with her application to prove her past income. 
Galia even suggested she and her colleague Nina would be prepared to lie in writing to benefits officers, stating that their own homes had been cleaned by our reporter.
The true cost of our open borders: The Mail on Sunday story last week
The true cost of our open borders: The Mail on Sunday story last week
Galia explained that Maria would need ‘contracts with clients, references from clients. If you do not have them, we can help you.
‘We can give you references and if they [the authorities] call, they will call us to confirm.’
When Maria asked whether the arrangement was legal, Galia assured her it was.
To apply for housing benefit from a local authority, claimants must fill in a 40-page form giving details of their income and outgoings, including rent. 
Crucially, for self-employed people who have not been in business long, they must provide a ‘summary of their trading records’ plus copies of invoices and payments.
When approached by The Mail on Sunday last night, Mr Trifonov said: ‘We did not offer to prepare bogus documents to support a housing benefit application.
‘We suggested that if she needed help with references to apply for National insurance number, she could clean our houses and we can confirm that she has done so.’
Another firm in Wood Green, called Alex Developments Ltd, also gives advice about benefits, tax and National Insurance, but its staff did not suggest anything improper or illegal. 
When Maria asked Bulgarian-born director Stroumen Paounov, 48, about claiming the Jobseeker’s Allowance while working, he replied: ‘I wouldn’t advise it because you will get caught.’
He charged £40 for an hour’s consultation in which he explained how to claim housing benefit, register for National Insurance, and he also offered help filling out the forms at the same hourly rate.
Immigration pressure group Migration Watch UK has warned that a total of 250,000 migrants from the two countries are likely to travel to Britain in the next five years, increasing pressure on the Health Service and schools.
The Government has banned Romanians and Bulgarians from claiming out-of-work benefits for the next three months, but Migration Watch forecasts that in-work benefits such as housing benefit and tax credits for low-paid workers will lure many of Romanians and Bulgarians currently working in Spain and Italy, as British handouts are significantly more generous.
Migration Watch’s figures claim that single migrants from Romania and Bulgaria can earn five times more in the UK than at home, a wage topped up by the UK’s generous tax credits system.
  • Additional reporting: Nick Craven


Read more: http://www.dailymail.co.uk/news/article-2533889/Exposed-Bulgarian-fixers-tell-new-arrivals-UK-We-fake-documents-claim-benefits.html#ixzz2pVVPbVHN
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Friday 3 January 2014

Scottish independence would be economic disaster, finance experts warn just as the SNP say the economy is key battleground , Daily Mail


  • Businesses and academics warn country would be plunged into turmoil
  • Scotland would join the list of impoverished European countries
  • Another says there would be 'utter panic' if voters back independence 

Finance experts, academics and business leaders have raised fears that independence would destroy the economy, hit investment and force companies to migrate to England.
In an unprecedented survey that will prove devastating for the SNP, analysts believe a Yes vote in the referendum could lead to the loss of thousands of jobs and plunge the country into turmoil.
One finance insider suggested Scotland would be added to the list of impoverished European countries left on their knees. Another said there would be 'utter panic' among finance firms and several warned of a 'disaster' for Scotland.
Setback: The vision of independence set out by Alex Salmond and Nicola Sturgeon risks the Scottish economy and would see businesses flee to England, experts warn
Setback: The vision of independence set out by Alex Salmond and Nicola Sturgeon risks the Scottish economy and would see businesses flee to England, experts warn
Alex Salmond's separatist vision was dismissed as 'economically incoherent'; there were warnings that 'skilled labour' would leave; and creating a new border would cut gross domestic product (GDP) by as much as 3 per cent. 
The findings are particularly humiliating for Deputy First Minister Nicola Sturgeon, who yesterday predicted the economy would be the key battleground in the referendum campaign.
The Financial Times asked a number of high-profile economists and eminent university professors to examine the impact of a Nationalist victory in September. 
 
In a daunting verdict, 27 respondents said it would hurt the Scottish economy and the rest of the UK.
Only four people who took part in the survey said a Yes vote could have a positive impact.
Former Chancellor Alistair Darling, who is leading the pro-Union Better Together campaign, said the findings prove that the 'risks involved in leaving the UK are massive'.
But a spokesman for the Yes Scotland campaign insisted separation would 'encourage growth and increase employment'.
Referendum: Voters in Scotland will have their saying on leaving the UK this autumn
Referendum: Voters in Scotland will have their saying on leaving the UK this autumn

FARMERS WANT TO STAY IN UK

Farmers in Scotland are set to reject independence, a survey suggests
Farmers are overwhelmingly set to reject independence, according to a survey. 
Scots Lib Dem MEP George Lyon received 2,000 replies to a study he conducted, with 72 per cent of respondents supporting the Union.
Three-quarters of farmers expressed concern about the impact separation could have on EU agricultural subsidies.
Four-fifths said uncertainty over currency would harm their businesses, while 72 per cent feared separation would make it difficult to sell produce in the rest of the UK.
Mr Lyon said: 'Everyone wants to see a thriving Scottish rural economy, but if you look at the real positives we get from the UK market, from our place in Europe and our trade links overseas, our farmers can achieve more as part of the UK family.
'Scotland's place in the EU is not only vital for farmers, but also for jobs and growth.' But Rural Affairs Secretary Richard Lochhead has claimed farmers would have been handed an extra £1billion in European subsidies if Scotland were separate.
Philip Rush of Japanese finance giant Nomura launched a stinging attack on the SNP vision. 'Higher taxes on income would push many wealthy individuals and some companies they work for south of the Border, harming Scotland's economy,' he said. 'A fate similar to the secular stagnation in productivity seen in parts of Europe's socialist south may await.' 
Ruth Porter of the Policy Exchange think-tank was similarly dismissive, saying: 'The raft of economically incoherent policies being proposed by Alex Salmond would be disastrous for Scotland.' Gavyn Davies of Fulcrum Asset Management described a Yes vote as an 'unmitigated disaster for Scotland' as did Stephen King, chief economist at HSBC bank.
One of the main results of an SNP victory in the referendum would be the loss of companies - and jobs - to England, several experts said.
Keith Wade, chief economist of asset management firm Schroders, commented: 'When combined with the considerable uncertainty over whether Scotland can remain in the EU, Scottish business would start to head south.' 
David Owen, chief European financial economist with investment firm Jeffries, said: 'Scotland is likely to see an ongoing loss of business as it migrates south of the Border.' 
Andrew Hilton of the Centre for the Study of Financial Innovation warned: 'If there were a Yes vote there would be utter panic - with the Scottish fund managers heading for the Border in droves.' 
Neville Hill of Credit Suisse bank said: 'The flow of direct and portfolio investment, as well as some bank deposits, south of the Border would provide Scotland with a nasty negative monetary shock.' 
Many of those taking part in the survey said uncertainty would devastate the economy.
James Knightley of banking giant ING said: 'I think the uncertainty will be damaging for everyone ... it is going to make a lot of foreign companies think twice about investing in the UK.' 
Melanie Baker of Morgan Stanley warned of 'increased uncertainty for businesses and markets'.
Brian Hilliard of French banker SociĂ©tĂ© GĂ©nĂ©rale said: 'It would create major uncertainty about the viability of the country as an economic unit. Growth would be hurt.' 
Ray Barrell of Brunel University in London warned that independence 'is the introduction of a new border. That is likely to reduce Scottish GDP by 3 per cent, and English GDP by 1 per cent'.
Alistair Darling, leading the Better Together campaign against independence, said the findings prove that the 'risks involved in leaving the UK are massive'
Alistair Darling, leading the Better Together campaign against independence, said the findings prove that the 'risks involved in leaving the UK are massive'
An independent Scotland's reliance on oil was also highlighted, with Philip Shaw of financier Investec predicting 'overall it will be on a slow growth path'.
But despite the strong warnings Miss Sturgeon said yesterday: ‘I firmly believe who wins the economic argument will win the referendum.
‘Scotland can more than afford to be independent, something that even the No campaign agrees with. We need the powers over the economy to get faster and more sustainable growth into the economy for the long term.’
A spokesman for Yes Scotland added: ‘The greatest uncertainty for business as well as the country as a whole stems from a ‘No’ vote. With ‘Yes’, we can tailor policies to suit our own needs and priorities, thereby encouraging growth and increasing employment.’


Read more: http://www.dailymail.co.uk/news/article-2533222/Scottish-independence-economic-disaster-finance-experts-warn-just-SNP-say-economy-key-battleground.html#ixzz2pMyug9zO
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