What is in Kelvin's Head?

  • Politics Just Became More Interesting

    There’s a lot of soul searching going on in the UK over the European Election results. Here’s my take on it all…

    • Those complaining most about the low turnout need to think about what they want to do in order to stop low turnout. The best thing to do is to join a political party and work to get people to the ballot box to vote for what you believe in.
    • Trouble is, I don’t find a party I want to belong to.
    • The above 2 points are the problem.  (Or at least, they are my problem with politics at the moment).
    • The media coverage from the BBC seemed particularly biased. I don’t like criticising the Beeb because I love it but it really did seem to have become the UKIP Broadcasting Corperation and I still can’t quite fathom why.
    • I don’t think I know a single person who has told me they were supporting UKIP. Now – is that because I’m in a little bubble and I genuinely don’t know anyone who votes that way or is it because voting that way is not socially acceptable?
    • Nick Clegg made a number of strategic errors in taking on Nigel Farrage in TV debates. Firstly it got Farrage even more coverage and allowed him to appear to be an equal when he wasn’t. Secondly Clegg failed to merge the UKIP and Tory brand. (People like me wonder whether he is opposed to the Tories at all – he just doesn’t come across as disliking what they stand for and someone in his position needs to be able to convey something a little stronger than dislike). Thirdly, he didn’t really do it well enough – die-hard party members were impressed by him but that’s not what the exercise is all about. Keep it Simple is still effective. (One of the posts that I had up recently which got lots of traction was about why I’m supportive of the EU because of mobile phone roaming, oh yes, and because we don’t tend to go to war in Western Europe with one another as once we did).
    • Policywise I hope that political parties concentrate on those who didn’t vote rather than those who voted UKIP.
    • I fear they won’t.
    • I was surprised that the SNP did not increase their share of the vote.
    • I wasn’t surprised that the Lib Dem vote collapsed.
    • I feel for the Greens who were struggling to get a word in edgeways. I kind of wish that I could vote Green but the trouble is, they’ve got their policies.
    • The Liberal Democrats are not going to do better until they have a change in leader and until there is obvious contrition. It is going to get worse before it gets better.
    • I can’t speak for the rest of the country, but I can’t take the leadership of the Labour Party in Scotland seriously.
    • Thank God there was no “Christian” party on the ballot paper.
    • Politics just got more interesting because people don’t know what it all means and don’t know what comes next.
    • That’s the best politics in the world.

    You got your own take? Share it in the comments below.

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5 responses to “On being bought and sold”

  1. Tim Avatar
    Tim

    I’m contemplating it – too much instability coming up in the next couple of months though.

    You might find http://www.ethicalconsumer.org/buyersguides/money/bankingcurrentaccounts.aspx interesting – the CoOp don’t seem to score all that highly, although obviously better than established big names.

    Reply
  2. Pam S Avatar
    Pam S

    I did move my account and our joint account about 18 months ago – from Lloyds to the Co-op!

    My reason was what appeared to be a policy to get as much money out of me as possible, culminating in imposing an accumulating daily penalty for a going a very small amount overdrawn on one account by accident when I was ill. The charge amounted to much more than the original overdraft. They didn’t inform me of this for several days and the basic attitude was ‘well that’s your lookout’. They knew that there was enough money in other accounts to cover it.

    I knew about ethical banking before that – our son is a great advocate of ethical banking and had suggested we moved to the Co-op several times – but it was only a personal experience of what I considered unethical behaviour which damaged me personally that gave me the impetus to do it.

    Many years ago when my father was struggling financially, his branch of Barclays called him in to tell him off about his overdraft. He went straight across the road to another small local bank called Martin’s, asked if he could transfer his overdraft there and they lent him the money to close down the account at Barclays. He always said that Barclays had to eventually take over Martin’s to get his custom back!

    One thing I did find with moving banks though – it was actually not quite as straightforward as I was told it would be – there were several standing orders and direct debits that didn’t get automatically transferred so there were a couple of months of companies contacting us to tell us we owed them money! However it was all fairly easy to sort out on the phone. Also we were on a lower overdraft limit for the first six months so if you need to use the whole of your current overdraft limit every month it’s best to be clear about what you’re being allowed.

    Reply
  3. Tracey Avatar
    Tracey

    I bank with the Clydesdale because I work for them, and they require you to have your salary paid into a Clydesdale account.

    I wonder if Howard’s branch of Lloyds is being sold to the Co… I really hope so, for hunners of different reasons.

    Reply
  4. Helen Avatar
    Helen

    I wonder how ethical the co-op bank actually is. I have had a preference for shopping at co-op supermarkets because of their ethical stance,until the recent revelations that they are among the worst offenders for driving down the price of milk below the cost of production. Fair trade and ethical have to apply to the uk too.

    Reply
    1. Jo Avatar
      Jo

      The Cooperative have just increased the price they pay to milk producers, in response to concerns raised. As to the bank, “more ethical than any of the other high street banks” is about as good as it gets right now.

      Reply

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