"Don't part with your dreams - when they are gone you may still exist but you will have ceased to live" - Mark Twain

"Do you know that this blog wouldn't exist if it wasn't for you being here to read it!?" - Bobby Gill

Friday, 30 April 2010

Facebook status updates -April 2010

Finished reading Millionaire Upgrade and now getting through Unlimited Power. About time I read the Tony Robbins classic.
30 April at 19:18 via Mobile Web

Bobby Gill's Blog Update: What do you make?: In the quest to earn more money in any which way that we can, moving fr... http://bit.ly/cJJykh
28 April at 10:38 via Selective Tweets (1) (1)
Siobhan Lavin Murphy likes this.

Corinne Blandin

Corinne Blandin
In this photo:
Wall Photos
27 April at 00:27

RBS, Lloyds Get $51 Billion in Second Bank Bailout (Nov 2009) - Bloomberg.com http://bit.ly/bXUWfX < The banking scam continues
25 April at 20:28 via Selective Tweets (2) (2)
Raj Ahluwalia likes this.
Raj Ahluwalia
Raj Ahluwalia
They are printing money that the economy cannot back up.
27 April at 19:43

Bobby Gill's Blog Update: Banks, Solicitors, Receivers, Ex-Tenants: What do you do when banks, government and dishon... http://bit.ly/btWZEW
25 April at 19:08 via Selective Tweets (2) (2)
Raj Ahluwalia likes this.
Raj Ahluwalia
Raj Ahluwalia
Read the post its time to hit back. David vs Goliath
27 April at 19:50

Just been for a nice Sauna and then walked out into monsoon rain. Who needs to go away to experience the tropical - come to Huddersfield! :-)
25 April at 16:00 (16) (16)
Raj Ahluwalia, Adam Shaw, Rukhsana Arifeen and 6 others like this.
Rohaida Jusoh
Rohaida Jusoh
hahahaa ;)
25 April at 16:39
Rohaida Jusoh
Rohaida Jusoh
btw i still prefer Malaysia or Thailand ;)
25 April at 16:39

Can you tell that I need a holiday... lol...
25 April at 16:56
Rohaida Jusoh
Rohaida Jusoh
hahaa.. sooo obvious that u need a proper tropically exotic holiday. go on, pack ur bag n fly to the far east :) am coming too ;)
25 April at 18:06
Marcia Gladwin
Marcia Gladwin
what kind of sauna Bobby?
25 April at 20:39

Hot and with shorts on!
25 April at 21:33
Michelle Clarke
Michelle Clarke
we missed the monsoon on the west coast, thank goodness!
26 April at 08:11

Nina Sagoo

Nina Sagoo Thanks for the wishes Bobby, i really appreciate it.. Hope alls going good for you too.. Enjoy the sunshine! Take care!
22 April at 20:12 via Facebook for iPhone

Sher Dusoruth

Sher Dusoruth thanks bobby for the birthday wishes well appreciated
22 April at 17:14

Should YOU have a say? Iceland Debt Referendum: http://bit.ly/cEykBC
Bobby Gill's Blog: Should YOU have a say? Iceland Debt Referendum
"Don't part with your dreams - when they are gone you may still exist but you will have ceased to live" - Mark Twain"Do you know that this blog wouldn't exist if it wasn't for you being here to read it!?" -
22 April at 10:55

“It was the last wish of the dying Icelandic economy that its ashes be scattered across Europe” - at least they're giving something back ;-)
22 April at 10:55 (16) (16)
Rukhsana Arifeen, Asim Naqvi, Rosemary Lamb and 11 others like this.

Iceland Debt Referendum: http://bit.ly/cEykBC
22 April at 13:58
Jotie Takhar
Jotie Takhar
22 April at 18:40

RT @deepaklodhia: "Your vision will become clear only when you look into your heart. Who looks outside, dreams. Who looks inside, awakens." – Carl Jung
22 April at 10:52 via Selective Tweets (2) (2)
Iulia Palade and Darinder Bhangoo like this.

Bobby Gill's Blog Update: Election Time again - What happens when you vote!?: While walking down the street one day... http://bit.ly/bTAkdI
21 April at 21:26 via Selective Tweets (1) (1)
Sheetal Vithlani likes this.

Couple of guys seemed to be HIGH-ly happy as they cleared out the debris from the house that had been converted into a cannabis factory! #-D
21 April at 19:07

Bank's Solicitor didn't comment when I suggested the banking system's framework that he supported might be legal but it is not right or moral, just like 1930's Nazi Germany. Do you think it's a fair statement?
21 April at 19:05 (3) (3)
Jo Kenworthy likes this.
Jams Cooper
Jams Cooper
i think it's a bloody good statement:)
21 April at 19:19

Illegal Does Not Mean Wrong; Legal Does Not Mean Right: http://bit.ly/9uY9yO
21 April at 19:32

Satnam Punglia

Satnam Punglia
In this photo:
Express Day 2010
A meeting of happy smiley people........
20 April at 13:17

Wondering whether I should put CCTV footage of suspected vandals on Youtube. Would it hurt a criminal investigation or help?
18 April at 22:07 (12) (12)
Amandeep Thind, Raj Ahluwalia and Michael James Rochester like this.
Michael James Rochester
Michael James Rochester
give the authorities the opportunity to do their work, if your dis-satisfied with their progress I would reconsider your proposed question.
18 April at 22:09
Glyn Melling
Glyn Melling
It would get you arrested, don't forget thier Uman Rites.
18 April at 22:25
Paul Salafia
Paul Salafia
If you get dis-satisfied with the result...you KNOW people!
18 April at 22:59
Robert Clark
Robert Clark
like you say Bobby 'suspected' so they're innocent until proven guilty.
19 April at 09:17
Satnam Punglia
Satnam Punglia
in that case its just home video right, and if they don't like to be on the net, they can email you etc ......
19 April at 10:23

Glyn, it would likely get them arrested and her majesty take care of their human rights, as it will be labelled 'evidence'.

Will see what the 'authorities' say. If settled out of courts will drop it, else it's likely to make it's way to public viewing, after all it is just a home video of 'suspects'.
19 April at 10:50

Robert, I meant 'suspected' as in THEY DID IT!
I should have used the term 'criminals who have not been charged yet' - so much for the justice system, I'm sure Paul would serve it better ;-)
19 April at 10:52
Robert Clark
Robert Clark
Ah well - if you KNOW they did it, I'd not hesitate to publicise.
19 April at 11:47
Paul Salafia
Paul Salafia
Just give us a bell Bobby, we'll see if we can sort something out.
19 April at 12:16

Thanks for the ice cream Satnam Punglia - great for a nice warm day. See you at the Utility Warehouse Express
Day in Telford tomorrow. (More info on
UW: http://www.facebook.com/group.php?gid=2410688518 )
The Utility Warehouse - Save Money on your bills
http://www.lowermycosts.co.uk/ Take control of your finances and swap your utilities to a cheaper supplier to earn/save some extra £££'s/cash! UTILITY WAREHOUSE provide best value in the UK - accordi...
16 April at 20:03 (1) (1)
Satnam Punglia
Satnam Punglia
Great to see you both on Saturday... glad you and your nephew liked the ice cream.....it's good to share.
19 April at 23:01

This is the life, playing football with my nephew in the sun. Then a friend dropped off ice cream... cool!
16 April at 17:00 via Selective Tweets (8) (8)
Dhriti Mehra, Mac Attram and 2 others like this.
Deepkiran Sidhu
Deepkiran Sidhu
want a delivery from Port of Subs too..
16 April at 20:12

LOL...Kiran, I remember when I emailed that order to you for a sandwich to be delivered. How long did it take you to figure out I wasn't in LV or coming to pick it up? :-)
17 April at 08:07
Deepkiran Sidhu
Deepkiran Sidhu
Sandwich was all done for delivery..Then I looked at the address to deliver it.. Then I called you some names that I shouldn't annouce to everyone..
19 April at 18:03
Deepkiran Sidhu
Deepkiran Sidhu
Miss you :(
19 April at 18:03

Bedtime or catch up on 24 with Jack Bauer? Tough choice.
16 April at 00:14 via Selective Tweets

Finally caught up on facebook and emails. Next return phone calls and voice mails after footy!
15 April at 21:34 (1) (1)
Marcia Gladwin
Marcia Gladwin
I'll look forward to it.
15 April at 22:37

Jo Kenworthy

Jo Kenworthy off to isle of avalon tomorrow Bobby so let's hook up next week? ♥
15 April at 14:33 (1) (1)

Definitely. Enjoy! xx
15 April at 14:34

Got back from London at 3.33am last night. Great couple of days in London with friends.
15 April at 13:07 (6) (6)
Raj Ahluwalia, Natalie Muscat and Heidi Amber Roberts like this.
Taran Meowage Bains
Taran Meowage Bains
glad u enjoyed we shud so it again sometimex
15 April at 14:50
Raj Ahluwalia
Raj Ahluwalia
Sorry I missed you Bobby
15 April at 16:12
Amanda Steadman
Amanda Steadman
Great to see you Bobby!
15 April at 22:27

Bobby Gill's Blog Update: Eric Daniels the CEO of the Lloyds Banking Group doesn’t answer questions: Above the law? ... http://bit.ly/baIuZP
13 April at 17:13 via Selective Tweets

Meena Desour

Meena Desour Ta v much! X
12 April at 23:45

And today the legal games begin. Why do the banks get to make unjust laws and screw people? It's time we all started asking questions!
12 April at 19:53 (13) (13)
Rosemary Lamb, Darren Marriott and Michael James Rochester like this.
Monica Larsson
Monica Larsson
I totally agree with you Bobby. I have written to the Banks many times and complaint about fees etc. Unfortunately there is 'normal' people fending for their jobs at the other end, which does not help. The system got to change though.
12 April at 19:55
Barrie McDowell
Barrie McDowell
right on! Stick it to 'em Bobby!!
12 April at 20:03
Darren Marriott
Darren Marriott
Bankers = Crooks
12 April at 20:28

That's the spirit everyone. Even my solicitor agrees for a change :)
12 April at 21:11
Movingetc JaneFinch
Movingetc JaneFinch
Yeah and how come MPs qualify for legal aid!?!? Something's definitely wrong there!

The people are uprising :o)

Personally I love cake, but when the power goes to their egos, the little people fight back. And the rich and powerful get their heads "chopped" off!
12 April at 23:42
Nana Ciira
Nana Ciira
The time is coming when there will be no banks. .....the credit crunch was the first sign of the changes that are on their way.
13 April at 01:14
Jo Kenworthy
Jo Kenworthy
it is the age of aquarius - people are taking responsibility and changing their co-dependant relationships - some may say bondage relationships :-)
13 April at 08:37
Monica Larsson
Monica Larsson
Jo you are so right and if everyone were taking the road of respons-ablity this world would change over night. Bliss. It is all about changing an old outworn pattern/beliefs/limitaions and even family DNA/software, towards the 'new'. Not everyone will be open to that chane though, shame but let's pray that enough of us choose to be apart of something bigger than themselves, LIFE, and the celebration of all living, may it be animals, plants or humans.
14 April at 21:53

I like a good debate :) http://bit.ly/9uY9yO
15 April at 21:27
Monica Larsson
Monica Larsson
I think we should all become walk innovators and learn how to walk our talk too. Now that would be amazing!
15 April at 23:08

Remember - Wednesday night in London is Social Internet Business Mastermind with Dwayne Kerr and co. Get registered now: http://www.facebook.com/group.php?gid=297521791105
12 April at 19:20

Satnam Punglia

Satnam Punglia
In this photo:
Northern Property Network
11 April at 22:34 View Photos

Bobby Gill's Blog Update: Illegal Does Not Mean Wrong; Legal Does Not Mean Right: I'm sat here looking through some ... http://bit.ly/9uY9yO
11 April at 16:22 via Selective Tweets

John Gray (Men are from Mars, Women from Venus) in London - Tuesday 13th April. Grab your tickets now: http://www.johngray.networkbillionaire.com/ Also check out LoveTalk Movie featuring John Gray, Lillian Glass, Helen Fisher and more relationship experts! http://www.lovetalk.networkbillionaire.com/
11 April at 12:23


Bobby wrote on The Utility Warehouse - Save Money on your bills's Wall.

Lovely day at Scammonden Dam today. Great weather and even better company ;-)
10 April at 22:31 (1) (1)
Michelle Whaite likes this.

Lovely day at Scammonden Dam today
10 April at 22:13 via Facebook Mobile Friends of Friends (1) (1)

This picture doesn't capture the weather, warmth or atmosphere or show me running down the side of the hill! Hottest day of the year so far... yippee... Summer's nearly here ;-)
10 April at 22:24

Interesting how Halifax (Bank of Scotland / HBOS / Lloyds Banking Group) employees don't know CEO of their company or are not willing to tell you when asked!
09 April at 23:07 (8) (8)
Mac Attram, Michael James Rochester and 2 others like this.
Raj Ahluwalia
Raj Ahluwalia
The Games have just started my Brother, enjoy the ride, time to hit the big boys back, where it hurts. Is that Raj saying that, I wonder where that came from.
10 April at 01:16
Emmy Yeadon
Emmy Yeadon
Some people just go to work to make money an get thro the day. B nice to them if you can... ;-). -x-
10 April at 12:24

The clerk handled it best. Although management leave a lot to be desired. What do you mean? I'm always nice! ;-)
10 April at 13:16
Alex Mitchell
Alex Mitchell
yeah they think he will get the Slir fred Goodwin treatment!
10 April at 13:25

Anybody had experience with 'Bank of Scotland' or dishonest LPA Receivers that don't act in the best interests of the individual that they are supposed to represent? If you know anyone with legal advice in this area, it would be much appreciated so that the knowledge can be shared, so please ask your solicitor / legal friends.
08 April at 13:33 (1) (1)
Mica May
Mica May
Talk to Matthew Newnham. He has been left for several years but used to work for RBS so understands the business.
Otherwise I'd say contact Anne Quinn, she knows about everything financial, and if she doesn't know, she knows someone who does!
08 April at 20:24

Robert Grant

Robert Grant Thanks for connecting Bobby. I would love to know more about you and what you do
08 April at 11:57

And today I had the Police come round and break into one of my rented houses that had been turned into a Marijuana factory!
06 April at 22:16 via Selective Tweets (19) (19) follow @bobbygill
Rosemary Lamb, Taran Meowage Bains and Neil Hewitt like this.
Christina Nicolaides
Christina Nicolaides
OMG.... really?!
06 April at 22:40
Sukhdev Nazran
Sukhdev Nazran
New sideline, Bobby?! ;)
06 April at 22:48
Ali Pottinger
Ali Pottinger
They had to pay you somehow... ;)
06 April at 22:58
Deepkiran Sidhu
Deepkiran Sidhu
Make sure to give the renters another house to rent..
06 April at 23:54
Raj Ahluwalia
Raj Ahluwalia
Did the Police smoke out the evidence, I hope you don't have to pay the electric bill.
07 April at 09:45
Vesna Flo
Vesna Flo
Nice one :)
07 April at 09:46
Raj Ahluwalia
Raj Ahluwalia
The worst thing about being a Landlord is having Tennents to deal with
07 April at 09:47
Slwan Fayyad
Slwan Fayyad
was it a good joint venture ;)
07 April at 12:59

House has been stripped and police and insurance company aren't being helpful! Don't think the bank manager is going to appreciate the call either :-/
07 April at 14:38
Simon Zutshi
Simon Zutshi
Sorry to hear that Bobby.
07 April at 17:40
Nana Ciira
Nana Ciira
Aww no Bobby!....keep your head up :-)
07 April at 18:10
Michelle Clarke
Michelle Clarke
uh oh...
07 April at 20:24
Raj Ahluwalia
Raj Ahluwalia
Hi Bobby hope this helps its the police compensation scheme http://www.cjsonline.gov.uk/victim/compensation/
07 April at 20:35
Marcia Gladwin
Marcia Gladwin
is shaping up to be a great soap. what would you call it?. the misadventures of a Huddersfield landlord..
07 April at 21:13
Barrie McDowell
Barrie McDowell
happened to me as well had a police drugs raid kick in door turned place upside down and I had to pay for the damage!
Tenant now at HM pleasure!
12 April at 20:01

Hmmm... coffee with chocolate soya (out of milk and regular soya) - interesting combo!
06 April at 11:28 via Selective Tweets (13) (13) follow @bobbygill
Melanie Drury likes this.
Melanie Drury
Melanie Drury
I have it like that a lot...mocha mmmmm
06 April at 11:30

I prefer the chocolate soya on cereal. Lovely! :-p
06 April at 11:33
Melanie Drury
Melanie Drury
Yummy! :D
06 April at 11:35
Melanie Drury
Melanie Drury
Do you have Chocolate Vitasoy? That is the BEST!!! OMG so addicted!
06 April at 11:36
Davaa Dorj
Davaa Dorj
would u recommend it? :)
06 April at 11:36
Davaa Dorj
Davaa Dorj
happy easter btw
06 April at 11:36
Melanie Drury
Melanie Drury
Oh...and hot with peppermint tea...mmmmm
06 April at 11:37

Always recommend new experiences if you think you can handle it.
06 April at 12:06
Manj K Jootle
Manj K Jootle
Wierdo!! :P
06 April at 12:09
Melanie Drury
Melanie Drury
Weird is good! :D
06 April at 12:30
Manj K Jootle
Manj K Jootle
Yep totally :)))
06 April at 12:33
Marcia Gladwin
Marcia Gladwin
home made healthy mocha ???
06 April at 13:14

Wall Photos
04 April at 15:32

Happy Easter to all my wonderful friends. Spring is the time for new beginnings and I wish you all the best for the rest of 2010!
04 April at 14:27 (2) (2)
Heidi Amber Roberts and Gus Castellanos like this.

Mica May

Mica May Was good catching up with you last night Bobby.
I'm certain the lovely Iulia will help you exercise your right brain
04 April at 11:15

Michael James Rochester

Michael James Rochester Hi Bobby, hope you are well!
I am hoping we may get to speak after the Easter holidays, I would love to get your advice on a few items if possible?
I do hope your well and your really enjoying Easter time. Very best of wishes.

Michale James
03 April at 21:57 (1) (1)

Have a great Easter and we'll speak soon :-)
04 April at 14:26

Hattie Hasan

Hattie Hasan Looking forward to meeting you later my dear. xxx Don't forget to text me the location. ;)
03 April at 15:16

Raj Ahluwalia

Raj Ahluwalia Hey Bobby are you sure you are not turning into one of us woo woo people as you call us. lol
03 April at 01:31 (2) (2)
Raj Ahluwalia likes this.
Mica May
Mica May
of course he is!!
04 April at 11:15

Reading about and practicing Dowsing. Right brain needs a work out more often!
02 April at 22:01 via Selective Tweets (2) (2) follow @bobbygill
Mica May and Diane Hughes like this.

Had two ex-tenants put a counter-claim in against rent they owed. They did their libelous best but we'll see what happens at court as they forgot one important thing...
02 April at 20:23 (4) (4)
Jams Cooper
Jams Cooper
...don't fuck with the ;)
02 April at 20:26

there's nothing more dangerous than a man left with nothing to lose (and a couple of loose screws) ... lol...
02 April at 20:32
Jams Cooper
Jams Cooper
well, i'd imagine a man left with absolutely everything to lose and some loose screws? either that or a woman without chocolate?!
02 April at 20:33
Jo Kenworthy
Jo Kenworthy
it is paradoxically a fab place to be :-) ♥
02 April at 22:20

Michelle Cairns

Michelle Cairns Thanks for my birthday wishes Bobby! I had a great time & birthday away! xxx
02 April at 17:43

Bobby Gill's Blog Update: Funeral processions and speed cameras: I was driving up the dual carriageway behind a ver... http://bit.ly/9IvloQ
02 April at 13:28 via Selective Tweets (1) (1) follow @bobbygill
Robert Clark likes this.

Listening to Phil Martin at Northern Property Network, discussing Law Of Attraction and building your future
01 April at 20:18 via Selective Tweets follow @bobbygill

Bobby Gill's Blog Update: All parts of the UK to have Mandatory Landlord Licensing: Below is an article I was emaile... http://bit.ly/c1PXmK
01 April at 14:33 via Selective Tweets follow @bobbygill

Sunny day in Hudds but the wind chill factor is c.. c.. cold!
01 April at 13:04 via Selective Tweets (2) (2) follow @bobbygill
Jane Hurd
Jane Hurd
you missing sunny London? lol
01 April at 20:02

Maybe ;-) It is 2 degrees warmer.
02 April at 12:56

Wednesday, 28 April 2010

What do you make?

In the quest to earn more money in any which way that we can, moving from one get-rich scheme to another - have we forgotten what we are supposed to be making?



While visiting a Swiss town, an American businessman watched a man painstakingly carving the casing for one of the fine cuckoo clocks made in that region.

Noting the slow rate of progress, the businessman said, “My good man, you’ll never make much money that way.”

“Sir,” the clock-maker replied.

“I’m not making money, I’m making cuckoo clocks.”

Sunday, 25 April 2010

Banks, Solicitors, Receivers, Ex-Tenants

What do you do when banks, government and dishonest people are busy trying to bend you over and screw you in the ass? Take a stand and say NO!

Then see what happens when the hunters become the hunted as I think it's time to declare that Fair Hunting season is now Open!

It has been an interesting year so far. I've had challenges with tyrannical banks (as they are technically bankrupt!) their Nazi solicitors who don't stand for justice or what is right, only doing as the 'system' says - and Receivers claiming to represent individuals on false pretenses and with a lack of loyalty to the person they owe the care and duty.
  • If you have issues with the Bank of Scotland, Bank Receivers, Bank Solicitors and want to share your experiences and information - then contact me now. Experience and knowledge shared will show who is acting honourably and what you can do in such circumstances when the system judges you guilty before being given a fair trial. You are also welcome to repost this information on any other forum with a link back to here.
Let's not forget the two ex-tenants with outstanding rent; when asked to confirm how much they had paid and to settle the difference, they decided to make a spurious counter-claim instead. Why provide the info and claim fault when you can lie and see how much you can make - blame those where there's blame (sic), there's a claim ads and lawyers. The crazy thing is that the individuals in question are the prime suspects in a criminal investigation for vandalism, upset with the Court Summons they smashed a window where they thought my office was - the CCTV and new cameras came in handy eventually. There is such a thing as justice, no matter how or when it is delivered.

Then to finish off, a property that had been turned into a drug den that was then trashed by the police as well and is now being cleaned up (I've never seen guys that happy as they cleared rubbish, must be something in the spring air). So at least someone has been happy this month.

  • Should any of the cases not be dealt with satisfactorily, then All documents and communication with banks, courts, tenants etc. will be made available public record along with names of individuals, addresses and proven facts to prevent this happening to other people. 
 If you're prepared to say or do anything then be prepared to stand by it - as your future depends on your reputation and the world is getting smaller (and some of you reading will be getting worried if I'm talking about you!)  You don't mess with someone with nothing to lose, so what's your loss/gain risk ratio?

With Banks not being sympathetic to customers or wanting to help, whilst milking every penny that they can. Having received the taxpayers money from the government they want even more back from the people as well - how many times over do they want us to pay money on fake debts?  Whilst those in Government are fighting over who gets to take and spend more of our money in the future (maybe we should give the Liberal Democrats a try, as they don't have a track record in screwing citizens and people over, yet!)

Who stands a chance to win against fictional corporations, legal systems and liars? Well the honest souls who do what is right and tell the truth of course. After all, words are powerful and the truth rings true, as opposed to the hollow sound that a fraudulent story makes. Bring it on... 

[Rant over]

Wednesday, 21 April 2010

Election Time again - What happens when you vote!?

 While walking down the street one day on a Smear Campaign, a "Member of Parliament" is tragically hit by a bus (running on 'green' fuel) and dies.

His soul arrives in heaven and is met by St. Peter at the entrance.

'Welcome to heaven,' says St. Peter. 'Before you settle in, it seems there is a problem. We seldom see a high official around these parts, you see, so we're not sure what to do with you.'

'No problem, just let me in,' says the man.

'Well, I'd like to, but I have orders from higher up. What we'll do is have you spend one day in hell and one in heaven. Then you can choose where to spend eternity.'

'Really, I've made up my mind. I want to be in heaven,' says the MP.

'I'm sorry, but we have our rules.'

And with that, St. Peter escorts him to the lift and he goes down, down, down to hell. The doors open and he finds himself in the middle of a green golf course. In the distance is a clubhouse and standing in front of it are all his friends and other politicians who had worked with him.

Everyone is very happy and in evening dress. They run to greet him, shake his hand, and reminisce about the good times they had while getting rich at the expense of the people.

They play a friendly game of golf and then dine on lobster, caviar and champagne.

Also present is the devil, who really is a very friendly & nice guy who has a good time dancing and telling jokes. They are having such a good time that before he realizes it, is time to go.

Everyone gives him a hearty farewell and waves while the lift rises....

The lift goes up, up, up and the door reopens on heaven where St. Peter is waiting for him.

'Now it's time to visit heaven.'

So, 24 hours pass with the MP joining a group of contented souls moving from cloud to cloud, playing the harp and singing. They have a good time and, before he realizes it, the 24 hours have gone by and St. Peter returns.

'Well, then, you've spent a day in hell and another in heaven. Now choose your eternity.'

The MP reflects for a minute, then he answers: 'Well, I would never have said it before, I think heaven has been delightful, but I think I would be better off in hell.'

So St. Peter escorts him to the lift and he goes down, down, down to hell.

Now the doors of the lift open and he's in the middle of a barren land covered with waste and rubbish.

He sees all his friends, dressed in rags, picking up the rubbish and putting it in black bags as more rubbish falls from above.

The devil comes over to him and puts his arm around his shoulder. 'I don't understand,' stammers the MP. 'Yesterday I was here and there was a golf course and clubhouse, and we ate lobster and caviar, drank champagne, and danced and had a great time. Now there's just a wasteland full of garbage and my friends look miserable.

What happened?'

The devil looks at him, smiles and says, 'Yesterday we were campaigning.. ...

Today you voted!

Image source: http://hackcartoonsdiary.com/2010/02/20/drawing-uk-general-election-2010/

Tuesday, 13 April 2010

Eric Daniels the CEO of the Lloyds Banking Group doesn’t answer questions

Above the law? An article about CEO Eric Daniels and buying a bankrupt HBOS for more than the pound t was worth. Share the info, find out where and how they're spending the country's money and screwing the nation for it.


Author: Andrew Withers, January 14th, 2010

Don’t take this the wrong way, but I actually settled down to watch BBC Parliament yesterday. It was the Finance Select Committee asking questions of Eric Daniels the CEO of the Lloyds Banking Group. With a cup of black coffee and a sandwich, I listened with opened mouthed incredulity at what was being said.

Now Mr Daniels I have to say deserves his job. Not for his business acumen (that is in severe doubt) but for a sphinx like demeanour and general coolness under fire that was quite impressive.

However let’s get down to brass tacks. HBOS was a basket case when the Treasury approached Lloyds, which was in relatively fine fettle. It was clear from the questioning from a Labour MP, whose name currently escapes me, that the Government and Treasury had got to the stage were HBOS was getting to the point where a decision had to be made not to accept any further business. That would have precipitated another catastrophic run like Northern Rock.

Daniels was constantly pressed on whether he was told this information directly by the Treasury. He did not give a straight answer. He repeated a mantra that ‘he was made aware of the serious nature of the situation’. Being a simple sort of lad, this seemed to me to require an answer- yes or no. The Treasury appears not to have passed this information on and Daniels did not ask the question.

We appear to have two sides not applying the KISS principle (Keep It Simple Stupid), everybody being too busy being very clever and urbane whilst playing with other peoples’ money. The Treasury with ours, Daniels with Lloyds shareholders.

Then came the point of due diligence. Despite there being ‘a serious situation’, this is where HBOS was about to close is doors to new business (bankrupt) Daniels and his team did ‘ the appropriate amount’ of due diligence (prior legal briefing) this was admitted as being around 25%-50% of what was required in the ‘time allowed’. Lloyds then ‘valued’ the shares of HBOS at £2.38 a share and Daniels admitted in making this valuation to shareholders. He omitted though to mention the small fact that HBOS was being propped up with a Treasury loan of £25.4 bn.

The Banking Act 2009 made it possible for the Treasury and Bank of England to keep secret funding assistance in cases where financial stability may be put at risk – introduced in the wake of the run on Northern Rock.

As I said I am a very simple sort of person. It appears to me that HBOS was bust, and Lloyds could have picked up the whole caboodle for £1, as did ING buying Barings after Nick Leeson and the Directors had finished it off.

Who hood-winked who here? Daniels was adamant that nobody from the Treasury had hoodwinked him, and he had not hoodwinked his shareholders.

It is clear what Brown, Darling and the Treasury were getting out of this deal, a get out of jail free card that staved off the collapse of the Labour Government and possibly the end of the Labour Movement. However, what did Daniels hope to get out of this ? That is the question I would have asked. His reputation is tainted, and why he has not been removed by the shareholders is a mystery to me.

Unfortunately Daniels was saved by the inane twitterings of Sally Keeble MP, who asked a sixth form question about why small businesses cannot get loans from Lloyds. Watching her ask a question was like watching teenager who wanted to be taken seriously in a room full of adults.

She must have been asleep when it was being explained that her Government had induced a solvent bank, to take on a bankrupt bank, propped up by a £25.4bn of tax payers’ money at £2.38 a share and that deal had rendered Lloyds insolvent. With us as the taxpayer owning a large chunk of the combined group.

The only thing saved here was the Governments neck. The rest of us have been hood-winked, as have our children and grandchildren who have to pay to sort this out in higher taxes and reduced standard of living.

‘Too big to fail’ is a corrupt way to view ‘protected’ industry such as banking. HBOS should have been placed into administration and broken up into viable smaller regional banks. Each with a remit to indulge in retail and commercial finance. Brown and Darling sought to protect a collapsed monopoly to save face. Hence the chicanery of the Banking Act 2009

This Rotten Parliament has only months to run, it should be consigned to the dustbin of History.
Source: www.economicvoice.com

Sunday, 11 April 2010

Illegal Does Not Mean Wrong; Legal Does Not Mean Right

I'm sat here looking through some banking contracts on a Sunday afternoon, traditionally a day of rest, as I need to get back to them on a couple of queries that they have not adequately answered. The solicitors keep quoting legal B.S. - allowing them to do pretty much what they want and do not care what is RIGHT.

Morally the banks are as bankrupt as they were before they took YOUR money from the Government. Why is it yours - because you and your future generation will have to pay it back from your pockets! Did you consent to this and do you think it is right? Well the banks and their lawyers will continue to do what they want, as long as people don't stand up for their rights!

Antisemitism and the persecution of Jews represented a central tenet of Nazi ideology. In their 25-point Party Program, published in 1920, Nazi party members publicly declared their intention to segregate Jews from "Aryan" society and to abrogate Jews' political, legal, and civil rights. After their assumption of power, Jews felt the effects of more than 400 decrees and regulations that restricted all aspects of their public and private lives. (Source: www.ushmm.org)

You know what a 'solicitor/lawyer' would argue, as they represented the country's laws and not the human RIGHTS of a human being (that happened to be of a particular background or circumstances). If the latter was true, they would turn down unjust cases and act on the side of justice - without consideration of who was signing their paycheck. Does legalese define justice or that which is morally right?

Below is the definition of legalese and an article I found on "Illegal Does Not Mean Wrong; Legal Does Not Mean Right"

What are your views?


Legalese is an English term first used in 1914[1] for legal writing that is designed to be difficult for laymen to read and understand, the implication being that this abstruseness is deliberate for excluding the legally untrained and to justify high fees. Legalese, as a term, has been adopted in other languages.[2][3] Legalese is characterized by long sentences, many modifying clauses, complex vocabulary, high abstraction, and insensitivity to the layman's need to understand the document's gist.

Source: http://en.wikipedia.org/wiki/Legal_writing#Legalese

The law states what we can and can’t do. Many people say that something is illegal because it is wrong. This is not always the case and it can sometimes become very subjective on what is right and what is wrong.

I think most Americans are very well-programmed to think in only black-and-white terms. What’s wrong is wrong and what’s right is right. It is usually accepted that what’s illegal is wrong, but that is not the case sometimes. This article lists and discusses some issues and activities that are illegal but may not be wrong. This article does not endorse illegal activity of any kind, it aims to simply challenge the reasoning behind what’s illegal.

For many people, the issue of abortion is either right or wrong. If a woman did not want kids and got pregnant, should she be allowed to have an abortion? Some would say, “If you’re ready to have sex, you should be ready to accept the fact that you may become a parent.” What do you think? What if a woman is raped, could she be allowed then? She had no control in that situation and will have to face the consequences. Roe v. Wade was the landmark case that made it legal for women to have an abortion from the 1st trimester up until certain points in the 2nd trimester, depending on the specific state. Since some states have outlawed it completely and others allow it, the moral statement of whether it’s right or wrong is skewed. We cannot rely on legality to determine whether something is right or wrong. This would be a case when someone’s beliefs would play a major role in determining whether it is wrong or right.

The California State Assembly had laid out estimates this past February (2009) that the legalization of marijuana would raise $1 billion dollars through taxes and creating thousands of green jobs. It is currently illegal in many states to smoke or have marijuana in your possession. Does that make it wrong? For years, people have claimed the medical benefits of marijuana, such as reducing nausea and vomiting as well as helping glaucoma patients. If California ends up legalizing marijuana, where would to take the argument of the “correctness” of its use for other states. If one state legalizes it, it would mean that someone has to be wrong. But they can’t have it both ways. Alcohol and tobacco kills more people a year than marijuana. Of course, many people do not use marijuana because they do not want to break the law, so the numbers are a little skewed. The point is that if other harmful products are available to American consumers, for what reason if marijuana illegal? Comedian Chris rock said that it is illegal because “it comes from brown countries and because the best marijuana is not made in America.” He goes on to say that since white people created cigarettes, they are legal, but since colored people produce marijuana, they do not want brown people to become wealthy. I do not endorse any of these opinions, but simply want to stir up people’s minds and get them thinking and talking. But more importantly, knowing their opinions and being consistent with their beliefs.

Now, of course, there are many things that are illegal and happen to be wrong, such as murder and stealing. But to declare that all things that are illegal were outlawed simply because they were wrong is not correct, although it may have been a reason. For example, drunk driving is illegal and very wrong, in my opinion. It shows very poor judgment on behalf of the drunk driver. Even worse, the other person might lose their life because of the drunk’s fault.

Something that strikes me as odd and terribly inconsistent is that people in general, including the government, believe that killing is wrong. Yet, the death penalty exists in 34 of the 50 U.S. states. If death is wrong, why is the government allowed to kill people? It sends the message that, “you can’t kill people, only we can decide who gets killed.” This helps me prove my point that the legality of an issue cannot be depended on to rule on its morality. Also, soldiers are trained to kill people. I think that the idea of death in today’s world is that only the dangerous and punished should be killed. Where I stand on that, I’m not sure.

Some things that are legal can still be considered wrong, such as prostitution in Las Vegas, pornography, gambling, alcohol, and tobacco. These things are legal, but many people would have an issue in engaging in these activities. Just because something is legal does not mean that it is right.

The purpose of this article is not to encourage illegal activity or behavior. Rather, it is simply to show the average person how we are responsible for our own actions and we are still responsible to think for ourselves. Never believe anything that you have not personally experienced or have reasoned for. When there is any evidence that challenges your beliefs, consider that evidence from neutral standpoint and really try to entertain that evidence for a while and it may change your original standpoint for the better.
Source: by TheDragon319 in Issues for www.socyberty.com September 28, 2009

Friday, 2 April 2010

Funeral processions and speed cameras

 I was driving up the dual carriageway behind a very slow funeral procession as the hearse and family followed to the cemetery. I graciously slowed down and let them proceed without the temptation to undertake like the Kirklee Council vehicle drivers did.

As I got further up, I saw a police officer parked by a speed camera as he was probably maintaining it or changing the film. At the annoyance of getting flashed in the past, I beeped at him three times but did not salute him.

It was then that my sister pointed out the parade of cars in front all slowly moving out of the way... oops... I'd forgotten I was following them.  She asked me if I felt bad about it but why should I? I didn't blow the horn at them but it was nice of them to be considerate and let me pass.

Carlsberg don't do definitions - but if they did, this would be the Definition of 'every cloud has a silver lining'.

Toot! Toot!

I may have behaved like a donkey but the Law is a real ASS!

Driving ban for 'look, no hands' policeman who raced past speed camera at 73mph with thumbs up

Police officers pulling up a motorcycle hearse

"What's the problem? There's two of us in the car, isn't there?"

Thursday, 1 April 2010

All parts of the UK to have Mandatory Landlord Licensing

Below is an article I was emailed by Netrent, updating the latest news on the new Mandatory Licensing of landlords and properties. Yet more red tape to provide accommodation to people who want it and are willing to pay what they think is a fair price in terms of market rent.  Once again, the bad/rogue landlords will just ignore it and good landlords 'taxed' even more.


"On 24 March the Northern Ireland Executive announced it's intention to implement mandatory landlord licencing. Scotland already has a mandatory licencing scheme and on 3rd February the Government announced it's intentions to bring in mandatory licencing for England and Wales. This means that the whole of the UK will adopt mandatory licencing of landlords in the future.

The response of the Conservative Party, if elected, is to have another review of the Private Rented Sector "to examine how the sector can play an enhanced role in the housing market".

The Private Rented Sector accounts for 13% of the total housing market in the UK, over 2.5 millions homes are privately rented. In the past couple of years we have seen the collapse of Buy-to-Let lending, yet more regulation and the promise of more to come. Most landlords we have spoken to see mandatory licencing as just another stealth tax and they are deeply concerned that the Private Rented Sector is not sufficiently valued by our politicians.

We share those concerns.

There has been a succession of reviews over recent years, surely by now a sensible consensus should have been reached? Whilst the Government and Opposition have made it clear that they want to support British business neither seems to truly value the Private Rented Sector. The Banks that we have bailed out still refuse to offer decent Buy-to-Let mortgages and many have pulled out of the market completely.

The Government wants to start a website to allow tenants to make statements and comments about their landlords. There are no plans for a similar website for landlords to share their experiences about tenants.

The vast majority of landlords try to offer decent, affordable housing. Standards have risen considerably over recent years. The next Government must work with and not against landlords. Regulation must be simplified and applied to all equally. Banks should be made to lend on reasonable terms. Most of all we must learn to value the Private Rented Sector and the one million plus landlords in the UK."
Source: www.netrent.co.uk

Click here to view the Government's consulatation on the Private Rented Sector

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