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  1. Just when you thought the banking industry was at least starting to have its wild speculation to make personal profit at everyone else' expense curbed ... 'FRAID NOT ... Finance minister George Osborne signaled in a speech in June that he wanted a "new settlement" with the financial sector, taken to mean a softening of approach and an end to so-called "banker bashing". A few weeks later, he ousted FCA chief executive Martin Wheatley, who had warned he would "shoot first" and ask questions later as he faced fresh scandals in the sector such as the attempted rigging of Libor benchmark interest rates and currency benchmarks and the mis-selling of loan insurance. http://www.reuters.com/article/britain-banks-idUSL8N12F0O820151015 and you thought new laws were being introduced to address the simple fact that no bankers are being prosecuted for bankrupting the world?? Britain Doesn’t Need New Laws To Tackle Corporate Corruption, Government Decides The business minister has scrapped proposals for new corporate crime laws – because no one is being prosecuted under existing ones. http://www.buzzfeed.com/jamesball/britain-doesnt-need-new-laws-to-tackle-corporate-corruption#.dyAyvB8jk
  2. I have used these forums over the years and always found CAG to be a brilliant support. Debt can really get you down.. . it can cause one to hide their head in the sand.. . it can cause families to fall apart. All of these apply to me, but I am happy to say that I always feel I can step up to the challenge when I come on here. CAG is a life saver!! I am finally dealing with my debt. I'm making the first step, which is to stop paying out money to non-priority creditors and request they accept a token payment. I've lived with debt for many years and have gone through many stages of coping and not coping with it. In the old days I claimed my bank charges back and managed to get on top of things for a while. But alas... life is tough.. . especially right now. I work full time as a teacher and am a mother of 4. My husband was made redundant a few years ago and since then we've been slowly falling back into the debt pit. We just don't have enough income to keep ourselves going properly. I try to make all my payments on time.. . and live on what's left, but there is never enough money left for the general necessities in life. It's getting to the point where I have no fuel in my car on a Monday and I have to use the kids dinner money to get petrol, then write a cheque for the dinner money instead... then the cheques bounces... yada yadda... and lots more other stupid money juggling antics that are just getting us into a HUGE mess. My husband has not been able to get another job as yet, and although he is still looking... he has returned into education in the hope of improving his chances. So although he is trying to do something about it, i t causes more stress and worry. More travel expenses, parking expenses.. . Some days are just so depressing where we are counting 2ps to try and get enough for milk... SO BAD!! BUT.. . coming on here tonight has made me feel better. I was kick started into action after a dream I had in the early hours of Monday morning. I dreamed I was using my on-line baking, trying to make payments. .. but all the passwords were wrong and nothing would work.. . in my dream I was struggling on the lap top with a massive pile of bills to pay.. . trying over and over to pay them. There was money in the bank to pay them and the feeling of being able to pay them was great. .. but I just couldn't make anything work. .. it was all so confusing.. . then I woke up!! And thought.. . This is silly ... these debts are even eating me alive in my sleep!!! I HAVE GOT to do something.. . So I am... And this is the start of my thread. Fingers crossed I make a positive change.
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