Boycott this mean Treasury National Savings ISA account that is slashing interest rates for pensioners and the poor

treasury

HM Treasury: Slashing your savings in National Savings

CROSS POSTED ON BYLINE.COM

Over a month ago bank rate rose for only the second time in a decade – promising a bit more money for people who have savings and are seeing their money eroded by inflation.

They would probably hope to get an extra paltry 0.25 per cent interest on their already diminishing  savings – lucky to get just over one per cent on an instant access cash ISA when inflation is running at 2.7 per cent.

However the well paid top mandarins and ministers at the Treasury and National Savings ( their chief exec, ex Barclays banker Ian Ackerley is on a pittance of £185,000 a year plus an annual £69,000 payment into his pension) had other ideas. Why not use the cover of the bank rate rise to slash the interest we already pay out to people who use National Savings as a safe haven but need to access money to meet unexpected bills for a broken boiler or fridge. Everybody will think interest rates will go up, they wouldn’t think anyone would slash them now

So in July when both the Treasury and National Savings knew a bank rate rise was imminent they agreed not to put up the rate of their cash isa but CUT it by 0.25 per cent to just 0.75 per cent. It was though Mark Carney, the governor of the Bank of England was about to announce a bank rate cut not a bank rate rise.

Today the new cut came into effect – just at the point when other banks and building societies are putting their rates on equivalent cash isas UP.

You would think from the blurb on their website that National Savings would do the opposite. Their comment on interest rate changes reads:

 “Can NS&I change the interest rate?

Yes – the rate is variable so we can change it up or down from time to time, for example when the Bank of England base rate changes or when rates in the general savings market change. See the customer agreement (terms and conditions) for more details.”

So we know now  in this case when the bank interest rate goes UP,  the National Savings rate will go DOWN.

And as for other providers- Metro Bank for example, has an equivalent instant access cash isa which was paying less than National Savings at 0.75 per cent. But since the bank rate rise it is now paying more. Its new rate is 0.90 per cent -UP 0.15 per cent while National Savings are DOWN 0.25 per cent to 0.75 per cent. Which Money? has other recommended providers paying more.

So what’s their explanation?

A spokesperson said today :”The decision to reduce the interest rate on Direct ISA was taken in order to deliver positive value for taxpayers. NS&I sets its interest rates to balance the interests of its savers, taxpayers and the stability of the broader financial services sector.

“In order to take this decision, we made a proposal to HM Treasury which was approved. We review the rates on all of our products regularly and recommend changes to HM Treasury when we believe they are appropriate, to ensure that we continue to balance the interests of our savers, taxpayers and the stability of the broader financial services sector.

“We announced the change on 16 July 2018. It is NS&I policy to give customers at least two months’ notice of any detrimental variable rate change on our variable rate accounts, so the rate change will be effective from today, 24 September 2018.”

So basically National Savings are paying lower rates to small savers ( the maximum you can put in the isa is £20,000, the minimum £1) to make sure high rate taxpayers are not having to bear such a burden to fund other public services. No doubt it is linked to the Treasury regretting it has to pay people’s pensions anyway.

 My view is the National Savings Direct ISA should be boycotted because the people who run it appear to  have the Treasury’s interests than yours at heart. The decision also helps other big banks not to increase rates if the state rival is cutting rates – and will boost profits for the major banks.

I took all my money out of this particular National Savings account today. I would not blame other people doing the same – now you can get higher isa rates elsewhere. Your only restriction is that if took out an isa this financial year ( from April) you can’t take out another tax free cash account. But if you did it last year you can and should – rather than leave the Treasury to profit from you.

 

 

 

IMPRESS dismisses complaint of intimidation, malice and invasion of privacy from child sex abuse survivor named in blog on Esther Baker

justice

In my view Justice done over Impress complaint

CROSS POSTED ON BYLINE.COM

IMPRESS, the independent press regulator,  has rejected a complaint from a child abuse survivor, who was named in a story on the Byline  site and  on my personal blog.

The ruling sets a precedent  for the regulator.  It ruled that survivors who rightly normally get anonymity,  but then decide to go public in the mass media cannot subsequently decide to ban other individual journalists from referring to them if no new information is published.

The dispute arose after a blog published by me on Byline and here which was critical of the treatment of Esther Baker in a  direction made by Alexis Jay, the chair of the Independent Inquiry into Child Sexual Abuse.

As a side issue the blog pointed out that survivors who go public are rare and cited in passing another child sex survivor who “bravely” went public in the Scottish Sun about his experiences after an 82 year old paedophile priest was jailed.

The survivor subsequently complained to Impress. The grounds of his complaint were :

“The publisher failed to preserve the Complainant’s anonymity as a vulnerable
witness;
“Publishing of the Complainant’s name was an act of malice and intimidation
and unacceptable conduct by a journalist; and
“Publishing of intimidatory reference to the Complainant was done in an
invasive manner.”

The publication, the complainant said had caused him  significant distress.

Byline and myself vigorously contested this.

The report says: “The publisher believes that victims of sexual offences and their
privacy should be protected, but, does not believe that this means that such victims
can selectively waive their rights of anonymity with respect to specific
journalists or publishers.
“The Author argued that the Complainant had made public, multiple times,
that they are a survivor of sexual abuse. The Complainant had been named
in the UK national press, the Washington Post, TV, YouTube, social media
and on numerous national websites.
” The publisher argues that, in these circumstances, a requirement to request
specific permission from the Claimant to publish material in the public domain
would amount to a form of targeted prior restraint and censorship, in breach
of its Article 10 rights.

“The Author refuted that the naming of the Complainant was in any way
malicious or any part of a campaign of intimidation made against the
Complainant.
“The Author believes that ‘it would be egregious if it is held that no one could
link to the article [already in the public domain] and discuss it without their
permission’. Therefore, the Author disagrees with the Complainant’s point
that publication had caused enormous distress.”

Impress called in lawyers to advise them on the naming and dismissed all the complaints made by the child sex abuse survivor.

“The Committee considered that merely referring to the Complainant in this
article did not constitute an act of intimidation in the course of journalistic
activities, particularly so in light of the fact the Complainant had identified
themselves to the media as a victim of sex offending.”

It went on :”The fact the Author had been copied into various emails from a third party to the Complainant,was not in and of itself evidence of intimidation in the course of journalistic activities.”

“The Committee noted that the article only cited information that had been
reported in other publications. Therefore, there could be no reasonable
expectation of privacy on the part of the Complainant in the published
information. The Committee considered that it had been reasonable for the
publisher to believe that the citation of this information (given its recent
widespread dissemination at the date of publication) would not significantly
exacerbate the Complainant’s grief or distress. Furthermore, the Committee
considered that in this case there had not been ‘intrusive newsgathering or
reporting’.”

Impress say no further action is necessary so the blog stays on both Byline and my own blog in its entirety. The full report is here.

 

Why there should be no Cliff’s Law following the chilling judgement by Mr Justice Mann

royal-courts-justice-passes-misuse-602677

High Court decision on Sir Cliff Richard should not mean a new law

CROSS POSTED ON BYLINE.COM

The scathing judgement by Mr Justice Mann condemning the BBC for the invasion of  Sir Cliff Richard’s privacy has profound implications for crime reporting.

The BBC is condemned  for reporting the raid on his home following allegations of child sexual abuse which did not stand up- not just for the sensational way they did it – but for reporting it at all.

This is a double edged judgement. True the freedom of the press to do this has led to innocent people like  DJ Paul Gambaccini and Sir Cliff suffering enormous traumatic stress and having their reputations trashed over unproven child sex abuse allegations.

But in other cases noticeably broadcaster Stuart Hall, the entertainer Rolf Harris ( both child sexual abuse allegations) and for that matter ( on perverting the course of justice)  ex Liberal  Democrat  Cabinet minister and former colleague on the Guardian, Chris Huhne, press publicity helped the police to pursue the cases to a successful conclusion. The publicity before anybody was charged led to more people coming forward or to new evidence being discovered.

That is why I would like to see the decision challenged  because of its profound implications for reporting and would certainly not want a new law giving anonymity to suspects in criminal cases.

Thankfully Theresa May seems to have ruled out the latter and so have ministers and  some MPs.

  On BBC Radio 5 Live last week  Treasury minister Robert  Jenrick said that he didn’t believe that the law should be changed to give anonymity to people accused of certain offences.

He said:“There’s been a long debate, as you know, about whether that should be the case for particular types of crime – crimes which have such a serious effect on individuals’ personal reputations, like sexual offences for example.  And at the moment we’ve chosen not to proceed on that basis.  We don’t think we should discriminate between different offences.  And I think that that’s probably the right approach.  But I do feel that both the police and the media need to proceed with great caution when they’re reporting.”

His point is where you draw the line. A limited law saying only those accused of child sex abuse should be protected could be seen  by victims and survivors as ” a protect paedos” law. And if there is discrimination between offences it won’t be long before some famous personality brings a case – saying their reputation was damaged by a police raid on their home in say, a fraud case.

Also do you protect alleged murderers or low life drug dealers from the press reporting raids on their homes until they are charged. After all until a drug dealer is charged  reporting a police raid on his or her home is breaching their privacy. It could also have implications for some of the popular reality  TV crime programmes.

Why I also don’t want the law to change is that it is a matter of judgement for the police and the press to come to a conclusion. The police need to be able to judge whether publicity is necessary – even Mr Justice Mann admits in his judgement that if people’s lives are at risk there is a case for naming a suspect.

The media also need to show some judgement on how they report the issue as well – and sometimes investigations can be published without naming the suspect  or giving too much of  the suspect’s identity away. In other cases the suspect’s name is part of the story.

Finally I see that the  BBC reporter Dan Johnson  who broke the story gets some criticism from the judge. He is described as honest and over enthusiastic. The judge says:

“I do not believe that he is a fundamentally dishonest man, but he was capable of letting his enthusiasm get the better of him in pursuit of what he thought was a good story so that he could twist matters in a way that could be described as dishonest in order to pursue his story.”

Some ten years ago Dan Johnson was our principal researcher for a book I wrote jointly with author and journalist Francis Beckett, on the miner’s strike of 1984. Called Marching to the Fault Line.

This is what we said about Dan in the book:

” A talented young journalist, Dan Johnson, was our principal researcher, conducting some of our most important interviews. Because of his deep knowledge of mining communities, and because he was brought up in Arthur Scargill’s village of Worsbrough, he turned into a great deal more than our researcher: he was also also a thoughtful and knowledgeable guide to what it all meant.”

In my view enthusiasm is vital if you are to be a good journalist. Journalists who are not enthusiastic about their job aren’t real journalists.

 

Exaro News back from the dead

exaro

The old Exaro News is dead but not buried

4f102817f3cd081105c6facbb4f1b405_360_360

The new Exaro logo

EXARO NEWS

The British companies, Exaronews Ltd and Exaro Holdings Ltd were both dissolved by June 21 this year ending the existence of Exaro News as an entity in the UK.

However the website was put up for auction and is now owned by a Brit living in North America.

As a result the news site has been relaunched under new management outside UK jurisdiction. The current site is running with a standard newsfeed.

The good news for readers of this blog is that almost the entire archive of Exaro from 2011 to 2016 has been put back on the internet by the new owner. If you want to find any of the articles written by me go to https://www.exaronews.com/  and look under UK News. Scroll down to  news archive, click on it and then click on my name to retrieve any story  I have written in the past five years.

This is the only place you can find the archive of Exaro News as the site has been excluded from the Wayback Machine and is no longer available.

At the same time my blogs which are normally cross posted on https://www.byline.com/  are now  -using new machine technology –  automatically appearing on the exaronews site. Those wanting to read the full blog rather than excepts  from exaro are redirected back to byline.com  or to my site.

The first blog covered by this  ( and put up yesterday) is the Crown Prosecution Service  statement which says without comment that ” Nick” is now facing  multiple charges of perverting the course of justice for all the allegations he made against prominent politicians and senior military officers in an alleged Westminster paedophile ring. So until the trial is over the old  archived stories should be treated with caution.

The new arrangement  should enhance the capacity of this blog to reach many more readers particularly in North America . Since some of the issues raised – such as the raising of the pension age particularly for women , child sexual abuse, politics,  Whitehall waste and various health and social security scandals- are international.

In the case of the 50s women  who have to wait up to six years for a pension this is  an issue across Europe and is also to be raised at the United Nations.

 

50s women injustice doubles site hits

The appalling injustice 3.9 million  50s women have had in facing up to seven years in not getting a pension is reflected in the doubling of hits I have had on my small site.

So far this year I have had more hits on the site than the whole of last year with  the top ten blogs all on the campaign for justice for the 50s women. The most popular blog with now over 28,000 hits is how angry 50s women deprived of a pension can boot out their MP. And the link to the House of Commons library on the  constituency breakdown of where the  50s women are has had over 4,200 hits.

The second most popular blog is The Downing Street state pension robbery with over 12,000 – which shows how the national insurance fund was underfunded and raided by successive governments of all political hues.

The rest of the blogs vary between over 2,600 and 7,600.

Thank you for all this interest and it shows how angry you are about the way successive governments have treated you.

Other blogs which have attracted  a lot of interest include Whitehall investigations into universal credit, the national citizen service and the continuing saga over the treatment of child sex abuser survivor Esther Baker.

 

Esther Baker case: How the child sex abuse inquiry itself abused survivors’ trust and privacy

Alexis Jay at the Rotherham inquiry Pic credit BBC

CROSS POSTED ON BYLINE.COM

UPDATE: Since the publication of this blog the Crown Prosecution Service have responded to my questions. A spokesman said the CPS does not investigate allegations of a crime, including perverting the course of justice. Any allegations coming to them would be referred back to the relevant police force. In this case this would appear  to be Staffordshire police.

 Esther Baker is one of the few child sex abuse survivors who went public  about her allegations that she was abused by her father and other people.

The only other case I can think of recently is  46 year  old Andi Lavery who went public to the Scottish Sun but that followed a trial in Glasgow which led to the conviction of  paedophile Father Francis Moore after Lavery gave evidence anonymously.

Therefore it is rather surprising that independent child sex abuse inquiry should publish  considerable detail naming Esther Baker  in an adjudication in a case they themselves decided was ” highly contentious”. Even more given she had not asked them to re-investigate the case which has already been investigated by Staffordshire Police and could lead to separate civil proceedings. And then they published a false statement against her that they had to retract.

The ruling by Alexis Jay is worth quoting in some detail: This is what she said :”On behalf of Esther Baker, it was submitted that the allegations which she has made
should form part of the Westminster investigation.

Ms Baker alleges that she was sexually assaulted by her father and by persons of public prominence associated with Westminster and that there were institutional failings in connection with that alleged abuse by police and law enforcement services.

She says that her father introduced her to a paedophile ring which included persons of public prominence associated with Westminster. She also says that she was abused from the age of 8 to around age 12 and that the abuse was organised and sometimes ritualistic, that it was filmed, and that the police acted in a security role.

She says that at various times she tried to report the authorities, and as such there were institutional failings.”  I have decided that the Inquiry will not investigate the issues that Ms Baker has raised that relate to her own alleged experiences of child sexual abuse…

“Ms Baker’s allegations are highly contentious.They are the subject of both contested civil proceedings and an ongoing police investigation. I am also aware that Mr Hemming ( former Liberal Democrat MP for Birmingham, Yardley) is reported to have made a complaint to the CPS that the allegations that MsBaker has made about him amount to perverting the course of justice.

“The fact that both the police investigation and the civil proceedings are ongoing is a factor that weighs strongly against the Inquiry attempting to investigate these matters. Even if it were appropriate for the Inquiry to investigate these matters before the conclusion of the other proceedings, such an investigation would be extremely resource intensive and would be likely to distract the Inquiry’s attention from the six core issues set out above.”

Now this statement has led Graham Wilmer, himself a former member of the first child sex abuse inquiry, to lodge a complaint which is now being investigated.

He wrote to them”Your decision to publish incorrect information about Esther Baker requires a robust independent investigation. The very idea that the IICSA would publish such incorrect information about a vulnerable victim of child sexual abuse is incomprehensible, and I am now asking you to investigate how this can about under your policies to protect vulnerable witnesses who come forward to the IICSA, regardless of the route.

“The below article in the Daily Mail is yet another example of why vulnerable victims of CSA/CSE should NOT come forward to the IICSA, without absolute assurance that they will be protected at all costs, which in the case of Esther Baker, you have failed completely so to do. As you are well aware, there are ongoing proceedings involving Esther, myself and others, and we will endeavour to expose the truth behind the lies, smears and malicious campaigns that have been waged against us, simply because we spoke out and disclosed what we had suffered. ”

An inquiry spokesperson did not want to comment.””The Inquiry does not comment on private correspondence it receives, nor on ongoing investigations.”

Now apart from releasing this information involving a named person – in other cases the person would have been anonymous -there is a serious flaw in the information that has been released. It implies that she could be investigated for perverting the course of justice for being as the Daily Mail put it ” a fantasist”. Worse their original public statement which was put up without Esther Baker’s knowledge  stated ” I understand that the police inquiries are now focused on whether Ms Baker should be charged with  perverting the course of justice.” 

I am told this was withdrawn after Staffordshire Police contacted them to tell them it was untrue and defamatory and it is now deleted from the website. The inquiry confirmed they had deleted it. Instead there is a reference to a complaint by Mr Hemming to the CPS.

There is NO investigation into Esther Baker about her perverting the course of justice. It is itself a fantasy. Staffordshire Police in a carefully crafted statement said she was a ” victim of crime ” and they are still supporting her. When I asked the police force whether there were further investigations into Esther Baker – after Mr Hemming is said to have complained  about the ” false accusations” against him – they made it clear there are none.

The reason why this is important is that the inquiry is already not trusted by a number of survivors who don’t believe they will get justice. Part of the reason is that survivors think the inquiry will  provide definite proof of sexual abuse against them. But that  is not the purpose of the inquiry – which is instead concentrating on the institutional failures of people not acting when they were told about sexual abuse. The inquiry in the Rochdale case was not afraid to pin people down for not doing their duty but they did not list or name fresh perpetrators.

In these circumstances you would expect the inquiry to be very sensitive about handling vulnerable survivors. Alexis Jay has already – rightly in my view – asked both survivors and those  representing people   who have been accused – to tone down their language.

Her previous ruling ends: ” I would …make a final plea that all those who report on the issues with which this Inquiry is concerned, and all those who comment on those issues using social media, should do so exercising a level of restraint and respect that is commensurate with the sensitivity of those issues, and the vulnerability of many of the individuals involved.”

Sound advice. She needs to take it herself.

: ”

 

 

Take time to smell the roses: Bulgarians love bomb London to counter British hate media

Bulgarians Soho square

Bulgarians after completing the planting of the damascene roses in Golden Square Soho in London Pic credits: Boyko Boev

CROSS POSTED ON BYLINE.COM

The Bulgarians have not had a good press -particularly in the  Sun, Daily Mail and the Daily Telegraph.

The Sun sent a reporter to Sofia to portray them as rushing to  hand out Britain just to claim benefits. The Daily Mail quoted a survey by a gambling company saying Bulgarians were the laziest people in Europe. The Daily Mail and The Telegraph have repeatedly highlighted that Britain is being flooded with them under EU rules.

Yet very little is known about the Bulgarians in Britain..until now. Bulgarian academics at Warwick University and the University of Florida  have carried out a detailed survey of  151 Bulgarians living and working in London for a report which has gone to Sadiq Khan, the London mayor. It is not a representative survey but it is full of insights.

And it coincided with a remarkable gesture by the Bulgarians – who have planted their national floral pride – the Rosa Damascena –  the perfumed rose grown for centuries in Bulgaria -in Golden Square, Soho – re-enacting  a gift to London  from Sofia 95 years ago-in 1923.

The report says: “After 2013, this community was caught unwittingly in the crossfire of an especially heated immigration debate around Brexit, feeding off of public discontent and strong activity of the opposition. Bulgarians and Romanians have been collectively sneered with reference to perceived combination of cultural and social traits. This form of bias is still highly discriminatory, even if not directly versed in common understandings of racism (of quasi-biological labels and insult).”

Bulgarians planting roses

Bulgarians planting the roses

What the survey did was examine groups of Bulgarians living in London from their 20s to their 50s and 60s. One fact that shows the media coverage suggesting Bulgarians are here to claim benefits is completely refuted. Just four were out of work.

The second suggestion that Bulgarians are lazy gets equal short shift – it turns out one of the favourite pastimes of Bulgarians in the capital – whether 20 or 50 – is going to the gym. Hardly couch potatoes then.

And a lot are highly educated with university degrees or high school diplomas – they are not always able to get jobs suitable to their qualifications.

Highly educated women were most affected  “Many work as housekeepers, babysitters, care providers and “personal assistants”, says the report.

But younger Bulgarians were getting jobs suitable for their qualifications. These included marketing or public relations coordinator, accountant, sales representative, teacher, programmer, as well as jobs requiring manual labour, such as a cook, car-mechanic, construction worker, barman, and stage worker in the theatre.

Living in London also changed the attitude of some Bulgarians Those in their 30s said  that their new life in London has changed them for the better, and that they have become more ‘tolerant towards diversity,’ ‘patient,’ ‘more open’, ‘exposed to more travel,’ ‘walking more often than earlier in Bulgaria’ and visiting more cultural events,

The report added: “there are also statements indicative of closing socially, due to extremely busy schedules: ‘I am becoming more productive due to the quick pace of life, but also more mindful of my private time, which is a limited resource.’

The report does pick up damage done by right wing media coverage which meant that many were reluctant to work outside London because they thought the rest of Britain would be more intolerant about them being there.

The report also says the majority were happy living London despite it being more stressful than their native country.  One recommendation  to the London  mayor is that London helps ,particularly older Bulgarians, to become more fluent in English by laying on language courses. This would help the older generation of Bulgarians here become more integrated than they are.

There is a 11 minute video from Warwick University academic Maria Koinova which gives the background to the study.