Ian B

been spending a lot of time with my camera

[jamiemcintyre @jamiemcintyre21]

2mins 1sec

...and still the people didn't see...

This video has absolutely blown up on twitter and I am being told it might be removed from YouTube so here it is.

You'll want to share this one.
.

[Alyn Wallace 🌌 @alynwallace]

Please feel free to share the funeral arrangements. Thanks, the Wallace Family x

[Ian B @Dalejake]

Absolutely gutted , I’ve been putting this off now for while , just starting the last #ryandrake novel , it’s been a fantastic journey. Well at least I have the time to look forward to thank you @TheCriticalDri2

[Ian B @Dalejake]

@neathtog @pdmurphyphotos I know you guys follow Alyn such a loss , he was an inspirational photographer and sorely missed

[Fototripper @Fototripper]

I just heard the tragic news that Alyn Wallace passed away. I didn't know him personally, but we'd both chatted about one day collaborating, and I was excited about that. As far as I'm concerned, Alyn was an institution when it came to night photography, and he was more than generous about sharing his passion and his knowledge.

I'm shocked and saddened to see someone so young and vibrant pass away. I always felt that he seemed like such a nice bloke when I watched his videos. It's sobering to think that we always take the presence of the people we admire for granted, like they'll always be there, and so will we. This news has made me take stock of that.

The world has been made a better place because of Alyn's creations and I'm grateful for what he brought to all of us both in terms of his artistic talent and his relentless work in the field of night photography education. I expect there are many people feeling the loss of his presence at this time, and my heart goes out to his loved ones and those closest to him.

Thanks for the inspiration, Alyn. I'll think of you when I look up at the stars.

RIP

Gavin Hardcastle

[Ian B @Dalejake]

5m of bell wire £7.25 @BandQ same wire 50m @Screwfix £5.89

[Ian B @Dalejake]

Bye bye @ring that’s one increase to many

[Martin Lewis @MartinSLewis]

IMPORTANT SHOW TONIGHT 8PM ITV @itvMLshow Live.
If you bought a car, van, motorbike, campervan on finance before 28 Jan 21, you may well be due £1,000s back. Millions may be due £billions in this new mis-selling scandal. I'll take you through it step-by-step. Pls spread word

[Martin Lewis @MartinSLewis]

New. Please report "sorry we are experiencing unusually high call volumes" messages. I want to test if some firms have this for EVERY call. If you call a bank, broadband, mobile, credit card, energy, water, sewerage firm, pls take 30s to report it via https://t.co/iwHdA6L0NL

In some cases it may be a breach of the consumer duty.

[Ian B @Dalejake]

https://t.co/CeK89sQ87w

[Ian B @Dalejake]

@DaleBurgess may be for Jess?

[Martin Lewis @MartinSLewis]

Pls share. The new PPI?

HUGE announcement from @theFCA this morning that has gone totally under the radar. It may mean a pay-out for millions who bought a car/van on Motor Finance before 2021.

I’ve done back of the envelope numbers and at the top end this could be PPI type scale (that was £40bn), big enough to be a form of Quantitative easing (so real consequences for the next govt as it’ll likely take a year).

It is to look at the handling of complaints about commissions when people got motor finance (pre 2021). Two big Ombudsman cases revealed today indicate that firms are falsely rejecting complaints and the FCA is now to do a full review of complaint handling.

The FCA wouldn’t do this unless it was likely to find they were doing it wrong. So my suspicion is when it finishes its investigation it will (in order of likelihood) set up either

a) A redress scheme where it orders all the firms to pay redress to every effected customer even if they've not complained.
b) Redress rules where it orders them to pay out redress based on a set formula, to those that complain

The pay out would be either the interest on loans (which is big), the commission (which is big), or the whole loan (which is huge). We're possibly talking thousands back for many.

Clearly this means getting complaints in if you were mis-sold is going to be crucial especially if they choose scheme b) and there is a cut off involved.

It should be noted part of the announcement is the FCA has put a freeze on firms handling complaints for now, so if you complain now they don’t have to do anything, but my provisional thoughts are it is worth people who think they’ve been mis-sold getting in a complaint now as a marker.

So my team and I will be working on a full guide on how to do that which we’ll have out in the next couple of weeks to talk you through this step-by-step. Please watch this space and share with people who may have been impacted.

[Ian B @Dalejake]

@JacobJBurgess

[Martin Lewis @MartinSLewis]

Pls share. The new PPI?

HUGE announcement from @theFCA this morning that has gone totally under the radar. It may mean a pay-out for millions who bought a car/van on Motor Finance before 2021.

I’ve done back of the envelope numbers and at the top end this could be PPI type scale (that was £40bn), big enough to be a form of Quantitative easing (so real consequences for the next govt as it’ll likely take a year).

It is to look at the handling of complaints about commissions when people got motor finance (pre 2021). Two big Ombudsman cases revealed today indicate that firms are falsely rejecting complaints and the FCA is now to do a full review of complaint handling.

The FCA wouldn’t do this unless it was likely to find they were doing it wrong. So my suspicion is when it finishes its investigation it will (in order of likelihood) set up either

a) A redress scheme where it orders all the firms to pay redress to every effected customer even if they've not complained.
b) Redress rules where it orders them to pay out redress based on a set formula, to those that complain

The pay out would be either the interest on loans (which is big), the commission (which is big), or the whole loan (which is huge). We're possibly talking thousands back for many.

Clearly this means getting complaints in if you were mis-sold is going to be crucial especially if they choose scheme b) and there is a cut off involved.

It should be noted part of the announcement is the FCA has put a freeze on firms handling complaints for now, so if you complain now they don’t have to do anything, but my provisional thoughts are it is worth people who think they’ve been mis-sold getting in a complaint now as a marker.

So my team and I will be working on a full guide on how to do that which we’ll have out in the next couple of weeks to talk you through this step-by-step. Please watch this space and share with people who may have been impacted.

[Ian B @Dalejake]

@TheCriticalDri2

[Ian B @Dalejake]

Here’s my 2023 on @Spotify, all wrapped up. Get yours now. #SpotifyWrapped https://t.co/g9ByA4d486

[Wales Coast Path UK @WalesCoastUK]

What a wonderful view 😍

"Sunrise at The Monkey Tump - The Bendricks, Barry."
📷 pdmurphyphotography on IG

#WalesCoastPath #LlwybrArfordirCymru #Cymru #Wales #CroesoCymru #VisitWales #LoveWales #CaruCymru #DiscoverWales #MyWales #CoastalWalk #CoastalWalks #Sunrise

[Ian B @Dalejake]

Petition: We want the Welsh Government to rescind and remove the disastrous 20mph law https://t.co/zjoLytWHsQ

[Ian B @Dalejake]

@hibberthometech Absolutely brilliant!!!!

[Ian B @Dalejake]

Best into ever ! https://t.co/fPQG5HUJ53

[Ian B @Dalejake]

@mhdksafa Hello 👋

[Ian B @Dalejake]

@piesportsbooze @JacobJBurgess

[Paul Murphy @pdmurphyphotos]

The beach at Southerndown looking beautiful at night!
@Benro_UK @UKNikon @tamracphoto @visitwales @VOGCouncil @visitthevale @ItsYourWales @skyatnightmag @DerekTheWeather