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    • Hi With the Section 21 Notice I do hope the Landlord issued you with: Energy Performance Certificate (EPC) for the Property How to Rent Guide A current Gas Safety Certificate (if gas in the Property) If above have not been provided to the Tenant by the Landlord then they can't use a Section 21 Notice until the above have been provided (note you don't warn the Landlord of this until but put it in your defence) Have a good read of this link: Evicting tenants in England: Section 21 and Section 8 notices - GOV.UK WWW.GOV.UK Information for landlords in England on tenant eviction: assured shorthold tenancies, including eviction notices, Section 21, Section 8, accelerated possession, possession orders, bailiffs  
    • good idea take some pix and put them in a PDF read UPLOAD dx
    • thread title updated moved to overseas debt forum. sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers. make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date???  simply write to the BANK informing them of your correct and current address ALWAYS!!. if you want to arrange payment or not TO THE BANK ONLY thats upto you. never ever ignore a Statutory Demand a Letter Of Claim a Court Claimform. if if if any of those ever happen. till then ignore and rewash. dx    
    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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The great interest rate rip off part 10


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If DEBT is the problem REPAYMENT is the solution

 

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If DEBT is the problem REPAYMENT is the solution

 

Debt revenue doesn't equal tax revenue

 

I will pay for my own stupidity but not for the stupidity of others.

 

Remember, profits are privatised, losses are socialised.

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Irving Kahn, the world's oldest investor, dies at 109

 

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If DEBT is the problem REPAYMENT is the solution

 

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26 February 2015 Last updated at 19:44

 

 

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If DEBT is the problem REPAYMENT is the solution

 

Debt revenue doesn't equal tax revenue

 

I will pay for my own stupidity but not for the stupidity of others.

 

Remember, profits are privatised, losses are socialised.

That's the 21-century Free Market.

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If DEBT is the problem REPAYMENT is the solution

 

Debt revenue doesn't equal tax revenue

 

I will pay for my own stupidity but not for the stupidity of others.

 

Remember, profits are privatised, losses are socialised.

That's the 21-century Free Market.

Link to post
Share on other sites

If DEBT is the problem REPAYMENT is the solution

 

Debt revenue doesn't equal tax revenue

 

I will pay for my own stupidity but not for the stupidity of others.

 

Remember, profits are privatised, losses are socialised.

That's the 21-century Free Market.

Link to post
Share on other sites

If DEBT is the problem REPAYMENT is the solution

 

Debt revenue doesn't equal tax revenue

 

I will pay for my own stupidity but not for the stupidity of others.

 

Remember, profits are privatised, losses are socialised.

That's the 21-century Free Market.

Link to post
Share on other sites

28 February 2015 Last updated at 05:11

 

 

MPs call for energy switch 'refunds'_81304048_466959701.jpg

 

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If DEBT is the problem REPAYMENT is the solution

 

Debt revenue doesn't equal tax revenue

 

I will pay for my own stupidity but not for the stupidity of others.

 

Remember, profits are privatised, losses are socialised.

That's the 21-century Free Market.

Link to post
Share on other sites

If DEBT is the problem REPAYMENT is the solution

 

Debt revenue doesn't equal tax revenue

 

I will pay for my own stupidity but not for the stupidity of others.

 

Remember, profits are privatised, losses are socialised.

That's the 21-century Free Market.

Link to post
Share on other sites

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UK consumer confidence holds at high level in February

If DEBT is the problem REPAYMENT is the solution

 

Debt revenue doesn't equal tax revenue

 

I will pay for my own stupidity but not for the stupidity of others.

 

Remember, profits are privatised, losses are socialised.

That's the 21-century Free Market.

Link to post
Share on other sites

 

 

If DEBT is the problem REPAYMENT is the solution

 

Debt revenue doesn't equal tax revenue

 

I will pay for my own stupidity but not for the stupidity of others.

 

Remember, profits are privatised, losses are socialised.

That's the 21-century Free Market.

Link to post
Share on other sites

Babcock to demand more state money for nuclear clean-up

 

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US Outlook

 

 

Music industry requires perfect pitch if it is to survive these key changes

 

 

 

 

Fellow top bankers won't thank Ross McEwan for shunning his bonus

 

 

 

 

James Moore: TSB is getting twitchy over switching

 

 

 

 

James Moore: Costa brews up a sweet shot for Whitbread

 

 

 

 

James Moore: The US Department of Justice is gunning for HSBC. Why aren't we?

 

 

 

 

James Moore: The need for lessons to deal with payday lenders

 

 

 

 

James Moore: Why fund managers are no better than bankers

 

 

 

 

James Moore: Are local banks really the answer - or are they just a utopian fantasy?

 

 

 

 

Mark Leftly: We owe it to Sierra Leone, and ourselves, to re-establish links

If DEBT is the problem REPAYMENT is the solution

 

Debt revenue doesn't equal tax revenue

 

I will pay for my own stupidity but not for the stupidity of others.

 

Remember, profits are privatised, losses are socialised.

That's the 21-century Free Market.

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Ken Clarke: 'unsustainable' debt and deficit will suck UK into low growth trap

 

bank_1898816d.jpg

Former Chancellor says deviating from Conservative plans to slash public spending will be disastrous for UK, as he warns against repeating the "folly" of Gordon Brown

2 Comments Sports Direct boss Mike Ashley in new row with shareholders

 

ashley_3173972g.jpg

Mike Ashley and Sports Direct face shareholder unrest over lack of finance director at FTSE 100 sportswear retailer

Comment

Archie Norman urges business leaders to show political bravery

 

miliband_2532603g.jpg

Archie Norman, who chairs broadcaster ITV, criticised politicians for discouraging outside interference from figures from business and other circles

Comment

Humiliated Greece eyes Byzantine pivot as crisis deepens

 

oddyseus_3215558d.jpg

Neither side holds the upper hand in the strategic game of chicken which could still see Greece forced out of the euro

743 Comments

Europe in fresh assault on bankers' pay

 

canarywharf_3077154g.jpg

European Banking Authority expected to widen scope of bonus cap and crack down on allowances

2 Comments

Car sales on track for three years of growth

 

BMW_i8_3214873g.jpg

Benign economic enviroment and auto makers targeting UK means car registrations set to record 36 months of increases

1 Comment

Tungsten's short-sellers make millions after share slump

 

Edmund_Truell_2333830g.jpg

Six funds have made large bets against the invoicing firm's Aim-listed stock

Comment

Warren Buffett: 'We have the right person to succeed me'

 

buffett2_2196265d.jpg

The so-called "Sage of Omaha" has said that Berkshire Hathaway has "a successor ready to assume the job the day after I die or step down"

2 Comments

Candy Kittens to be sold in Sainsbury's, as founder Jamie Laing expands range

 

candykittens_3214711g.jpg

Jamie Laing, star of Made in Chelsea, has landed a deal with the grocer to sell his sweets in convenience stores nationwide

Comment

Former LDC boss sets up biggest British buyout firm since crisis

 

fever-tree_2507124g.jpg

Daniel Sasaki, the former London head of Lloyds's private equity arm, is starting a new £35m buyout vehicle - the biggest the UK has seen since the financial crisis

 

Colombia: from failed state to Latin American powerhouse

 

Time for housebuilding action to match the talk

 

Don’t bother to save - there’s no point any more

 

Humiliated Greece banks on debt relief as crisis deepens

 

Social catastrophe looms amid threat of economy defaulting, reports Ambrose Evans-Pritchard

If DEBT is the problem REPAYMENT is the solution

 

Debt revenue doesn't equal tax revenue

 

I will pay for my own stupidity but not for the stupidity of others.

 

Remember, profits are privatised, losses are socialised.

That's the 21-century Free Market.

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In Annual Letter, More Hints, but Still No Confirmation, of a Buffett Successor

 

By DAVID GELLES 12:32 PM ET

 

 

Warren E. Buffett repeated statements that the board of Berkshire Hathaway had identified his successor, but again he did not reveal that person’s identity.

 

 

 

 

db-buffett-web1-sfSpan.jpg

Rick Wilking/Reuters

 

Warren Buffett, chief executive of Berkshire Hathaway, at a company meeting in Omaha, Neb., last year.

 

 

 

 

 

 

 

 

 

 

1-CRIMINAL-JP1-thumbStandard.jpg

Out of Trouble, but Criminal Records Keep Men Out of Work

 

By BINYAMIN APPELBAUM 10:08 AM ET

 

Men with even one past conviction on their résumés are having trouble finding jobs, and that is taking a toll on the overall labor market.

 

 

Bits Blog

 

Shuttle2-thumbStandard.jpg

Silicon Valley Shuttle Drivers Vote to Join Union

 

By VINDU GOEL 46 minutes ago

 

The bus drivers who transport workers to the campuses of six Silicon Valley employers voted to join the Teamsters to negotiate better working conditions and wages.

 

01recall-thumbStandard.jpg

Hyundai Recalls Vehicles Over Power Steering Loss

 

By CHRISTOPHER JENSEN 32 minutes ago

 

The automaker said that the power steering could suddenly stop working in 2008-10 Elantras and 2009-10 Elantra Tourings but did not mention any related accidents or injuries.

 

The Upshot

 

01UP-Beschloss-thumbStandard.jpg

L.B.J. and Truman: The Bond That Helped Forge Medicare

 

By MICHAEL BESCHLOSS 10:00 AM ET

 

Lyndon Johnson admired Harry Truman and identified with his political career, his treatment by historians and his relationship with the public.

 

 

Strategies

 

1-STRA1SUB-thumbStandard.jpg

Plenty of Noise, but Not Much Guidance From Fed or Company Reports

 

By JEFF SOMMER

 

Guidance from the Federal Reserve and corporations could help investors who are concerned with what will happen to their money, but there is little evidence it has been useful.

 

The Haggler

 

1-HAGGLER-thumbStandard.jpg

Zapped by the Hidden Costs of Laser Treatments

 

By DAVID SEGAL

 

At many Ideal Image centers, the price consumers paid for laser treatments increased when skin products they did not request were included.

 

28dress1-web-thumbStandard-v2.jpg

The White and Gold (No, Blue and Black!) Dress That Melted the Internet

 

By JONATHAN MAHLER

 

White and gold, or blue and black? The debate over the colors of a dress set off a social media conflagration that few were able to resist.

 

 

27chinatech-web-thumbStandard.jpg

Mutual Suspicion Mars Tech Trade With China

 

By JANE PERLEZ and PAUL MOZUR

 

With China and the United States wary of the other’s digital espionage, American tech companies are caught in the middle.

 

 

 

If DEBT is the problem REPAYMENT is the solution

 

Debt revenue doesn't equal tax revenue

 

I will pay for my own stupidity but not for the stupidity of others.

 

Remember, profits are privatised, losses are socialised.

That's the 21-century Free Market.

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Share on other sites

If DEBT is the problem REPAYMENT is the solution

 

Debt revenue doesn't equal tax revenue

 

I will pay for my own stupidity but not for the stupidity of others.

 

Remember, profits are privatised, losses are socialised.

That's the 21-century Free Market.

Link to post
Share on other sites

Link to post
Share on other sites

India's economy 'about to take off' as Finance Minister unveils budget that puts boosting growth before painful reforms

 

PM Narendra Modi tweeted that the plans would 'further reignite our growth engine'

 

Barbara Woodward: Britain's first female ambassador to China intends to forge strong links with the growing economic superpower

 

 

 

 

Battered Quindell set to cut back to the core

 

 

 

 

Pugachev's fight suffers setbacks

 

 

 

 

Lloyds pays first dividend since crisis and Horta-Osorio gets £11m

 

 

 

 

MySale promises steadier journey after float chaos

 

 

 

 

Profits in steep ascent at owner of BA

 

 

 

 

Babcock to demand more state money for nuclear clean-up

 

 

 

 

Price comparison sites should pay fines if they 'dupe' customers, MPs say

 

 

 

 

Russian banker Sergei Pugachev suffers setbacks in London legal battle

 

 

 

The head of the Fed says it should be apolitical. Good luck with that

 

US Outlook

 

 

Music industry requires perfect pitch if it is to survive these key changes

 

 

 

 

Fellow top bankers won't thank Ross McEwan for shunning his bonus

 

 

 

 

James Moore: TSB is getting twitchy over switching

 

 

 

 

James Moore: Costa brews up a sweet shot for Whitbread

 

 

 

 

James Moore: The US Department of Justice is gunning for HSBC. Why aren't we?

 

 

 

 

James Moore: The need for lessons to deal with payday lenders

 

 

 

 

James Moore: Why fund managers are no better than bankers

 

 

 

 

James Moore: Are local banks really the answer - or are they just a utopian fantasy?

 

 

 

 

Mark Leftly: We owe it to Sierra Leone, and ourselves, to re-establish links

If DEBT is the problem REPAYMENT is the solution

 

Debt revenue doesn't equal tax revenue

 

I will pay for my own stupidity but not for the stupidity of others.

 

Remember, profits are privatised, losses are socialised.

That's the 21-century Free Market.

Link to post
Share on other sites

 

British Airways owner upgrades profits forecast by 20%

 

 

 

If DEBT is the problem REPAYMENT is the solution

 

Debt revenue doesn't equal tax revenue

 

I will pay for my own stupidity but not for the stupidity of others.

 

Remember, profits are privatised, losses are socialised.

That's the 21-century Free Market.

Link to post
Share on other sites

1 March 2015 Last updated at 18:30

 

 

East Coast rail back in private hands_81318422_81318392.jpg

 

Services on the East Coast rail route between London and Scotland return to private hands after more than five years in the public sector.

 

 

_81324522_81324261.jpgMH370 teams trial long-haul tracking

 

Three countries are to trial a new method of tracking planes, which could help avoid incidents like the disappearance of flight MH370.

 

 

 

_81322969_81257763.jpgSturgeon calls for wind power boost

 

UK government budgets for offshore wind are unlikely to support Scotland's future ambitions to develop the industry, the first minister says.

 

 

 

Other Top Stories

 

 

If DEBT is the problem REPAYMENT is the solution

 

Debt revenue doesn't equal tax revenue

 

I will pay for my own stupidity but not for the stupidity of others.

 

Remember, profits are privatised, losses are socialised.

That's the 21-century Free Market.

Link to post
Share on other sites

Link to post
Share on other sites

Apple’s New Job: Selling a Smartwatch to an Uninterested Public

 

By BRIAN X. CHEN

 

 

The Apple Watch is scheduled to debut in April, a bit later than the company had hoped, because of technology challenges.

 

 

 

02applewatch-sfSpan.jpg

Jim Wilson/The New York Times

 

Timothy D. Cook, the chief executive of Apple, introduced the Apple Watch last September. Other smartwatches, from companies like Samsung Electronics, Motorola and LG, did not sell well.

 

 

 

 

 

 

 

 

 

 

1-CRIMINAL-JP1-thumbStandard.jpg

Out of Trouble, but Criminal Records Keep Men Out of Work

 

By BINYAMIN APPELBAUM

 

Men with even one past conviction on their résumés are having trouble finding jobs, and that is taking a toll on the overall labor market.

 

 

1-Aetna-thumbStandard.jpg

At Aetna, a C.E.O.’s Management by Mantra

 

By DAVID GELLES

 

Mark Bertolini, the chief executive of Aetna, is betting that bringing yoga, meditation and higher wages to his employees will be good business.

 

db-buffett-web1-thumbStandard.jpg

In Warren Buffett’s Annual Letter, More Hints, but Still No Confirmation, of a Successor

 

By DAVID GELLES

 

Charlie Munger, Berkshire’s vice chairman, indicates that Ajit Jain or Greg Abel is the likely heir.

 

 

 

G.O.P. Race Starts in Lavish Haunts of Rich Donors

 

By NICHOLAS CONFESSORE and JONATHAN MARTIN

 

In one resort town after another, the Republican presidential hopefuls are making their case to exclusive gatherings of donors whose wealth was unleashed by the Supreme Court’s Citizens United decision.

 

 

Strategies

 

1-STRA1SUB-thumbStandard-v2.jpg

Plenty of Noise, but Not Much Guidance From Fed or Company Reports

 

By JEFF SOMMER

 

Guidance from the Federal Reserve and corporations could help investors who are concerned with what will happen to their money, but there is little evidence it has been useful.

 

The Haggler

 

1-HAGGLER-thumbStandard.jpg

Zapped by the Hidden Costs of Laser Treatments

 

By DAVID SEGAL

 

At many Ideal Image centers, the price consumers paid for laser treatments increased when skin products they did not request were included.

 

The Upshot

 

01UP-Beschloss-thumbStandard.jpg

L.B.J. and Truman: The Bond That Helped Forge Medicare

 

By MICHAEL BESCHLOSS

 

Lyndon Johnson admired Harry Truman and identified with his political career, his treatment by historians and his relationship with the public.

 

 

01transit-02-thumbStandard-v2.jpg

Targeting Inequality, This Time on Public Transit

 

By KIRK JOHNSON

 

A new project in Seattle, closely watched around the nation, gives discounts on public transit to people whose household income is no more than two times the federal poverty level.

 

TUPPERWARE1-thumbStandard-v3.jpg

Tupperware’s Sweet Spot Shifts to Indonesia

 

By JOE COCHRANE

 

As in 1960s America, many Indonesian women stay at home, creating an audience for parties run by women who have begun to sidle past conservative mores and into the work force.

 

 

 

If DEBT is the problem REPAYMENT is the solution

 

Debt revenue doesn't equal tax revenue

 

I will pay for my own stupidity but not for the stupidity of others.

 

Remember, profits are privatised, losses are socialised.

That's the 21-century Free Market.

Link to post
Share on other sites

German finance chief softens tough tone against Greece

 

wolfgang_2096193d.jpg

In a marked change in tone, Wolfgang Schaeuble has said he is confident Greece's new government will meet the conditions neccessary to resolve its debt crisis

92 Comments ashley_3173972g.jpg

Sports Direct boss Mike Ashley in new row with shareholders

 

Mike Ashley and Sports Direct face shareholder unrest over lack of finance director at FTSE 100 sportswear retailer

9 Comments

miliband_2532603g.jpg

Archie Norman urges business leaders to show political bravery

 

Archie Norman, who chairs broadcaster ITV, criticised politicians for discouraging outside interference from figures from business and other circles

11 Comments

 

Humiliated Greece eyes Byzantine pivot

 

oddyseus_3215558d.jpg

Neither side holds the upper hand in the strategic game of chicken which could still see Greece forced out of the euro

1850 Comments

canarywharf_3077154g.jpg

Europe in fresh assault on bankers' pay

 

European Banking Authority expected to widen scope of bonus cap and crack down on allowances

159 Comments

BMW_i8_3214873g.jpg

Car sales on track for three years of growth

 

Benign economic enviroment and auto makers targeting UK means car registrations set to record 36 months of increases

4 Comments

Edmund_Truell_2333830g.jpg

Tungsten's short-sellers make millions after share slump

 

Six funds have made large bets against the invoicing firm's Aim-listed stock

1 Comment

Warren Buffett: 'We have the right person to succeed me'

 

buffett2_2196265d.jpg

The so-called "Sage of Omaha" has said that Berkshire Hathaway has "a successor ready to assume the job the day after I die or step down"

5 Comments

fever-tree_2507124g.jpg

Former LDC boss sets up biggest British buyout firm since crisis

 

Daniel Sasaki, the former London head of Lloyds's private equity arm, is starting a new £35m buyout vehicle - the biggest the UK has seen since the financial crisis

2 Comments

Candy Kittens to be sold in Sainsbury's, as founder Jamie Laing expands range

 

candykittens_3214711d.jpg

Jamie Laing, star of Made in Chelsea, has landed a deal with the grocer to sell his sweets in convenience stores nationwide

 

Ken Clarke: 'unsustainable' debt and deficit will suck UK into low growth trap

 

bank_1898816f.jpg

Former Chancellor says deviating from Conservative plans to slash public spending will be disastrous for UK, as he warns against repeating the "folly" of Gordon Brown

If DEBT is the problem REPAYMENT is the solution

 

Debt revenue doesn't equal tax revenue

 

I will pay for my own stupidity but not for the stupidity of others.

 

Remember, profits are privatised, losses are socialised.

That's the 21-century Free Market.

Link to post
Share on other sites

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