• I believe in Europe

    I believe in the European Union as a great positive in our lives because it is in the process of minimising two things – roaming charges for mobile phones and war in western Europe.

    And a whole lot more of course too. But that seems to encapsulate why I care about Europe. I want forms of good governance which can benefit the citizens of these countries and I also want these countries, which have historically been at war to put that behind them and live at peace.

    Now, in saying that I want good governance in Europe, I’m not of a belief that we’ve got that right yet. (Nor am I of the belief that government at Holyrood or Westminster is perfect either). It seems clear that there will, for a long time, be the need for reform of the European institutions. However, that is a process that is not merely worth being a half-hearted part of but worth making commitments to, in order to be able to shape and mould things as they change.

    I’ve been wrong about some things in Europe. I thought the Euro was a good idea and though I still like the notion of a single currency, I’ve also seen very clearly that independent nations cannot realistically share their money without having a common economic policy. Having seen it go spectacularly wrong in Europe, it seems obvious to me that the same mistakes can’t be allowed to come to pass within these islands. States which have economic independence need their own currency for their own good.

    However, I’m suspicious of the nation state itself. It seems to me to be a positive good that the nation state (The United Kingdom) that I live in, is part of a multiple set of identities in which British nationalism is compromised from both within and without. Nationalisms frighten me. I want them to be compromised by other commitments.

    So, I’ve voted in the European Election. (I had a postal vote this time). That I had some enthusiasm for voting was tempered a little by my having little enthusiasm for any of the options on the ballot paper. I did manage to cast a vote and I think that it is important to do so even if one has to hold one’s nose whilst voting, either metaphorically or physically.

    I believe in Europe and Europe needs us to believe in it. It isn’t just mobile phone charges that matter, of course. Things like global warming need much stronger action than they are currently getting and a European Parliament can and should be one focus for working to make the planet work. And our continent is far from free from conflict either. However the structures of the EU are part of a political settlement, unsure and vulnerable though it is, which have prevented the horrors of all out war that directly affected my parents and grandparents.

    Vive L´Europe! Long live the European Union!

5 responses to “On being bought and sold”

  1. Tim Avatar

    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.

  2. Pam S Avatar

    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.

  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.

  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.

    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.

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