Cameron Hogg

love climbing, biking, anything outside that gives that rush we all look for, play the bagpipes and European pipe band grade 4B winner 2013/17 @Holly_Trick

[Led By Donkeys @ByDonkeys]

Verbatim went undercover in Reform. Nigel Farage has some very serious questions to answer 👇

[Labour Press @labourpress]

Just in case anyone needs the full pricing structure:

[ALASTAIR CAMPBELL @campbellclaret]

Another day another news blackout from most of our media on the story of a Farage ally in European Parliament and leader of his party in Wales taking bribes from Russia to spout their lies and BS … Nathan Gill should be a household name by now. But the media that gave you phone hacking and helped give you Brexit are making sure he remains under the radar in case it demands their new pal Nigel …

[Led By Donkeys @ByDonkeys]

The world’s richest man @elonmusk is promoting the far right in Europe. Don’t buy a @Tesla.
Location: Tesla Gigafactory, Berlin.
(In collaboration with @politicalbeauty)

[Led By Donkeys @ByDonkeys]

Tesla Gigafactory, Berlin

(In collaboration with @politicalbeauty)

[Graham Love @glove931]

Douglas Ross?

More like Douglas Loss …amirite!

[Dr Dan Goyal @danielgoyal]

The only way to protect the U.K. from a repeat of the last decade of corruption, sleaze and degradation is to prosecute each and every MP who abused their power to enrich themselves.

[Guinness Men's Six Nations @SixNationsRugby]

That sums it up nicely, Finn 😂

#WALvSCO #GuinnessSixNations

[Cameron Hogg @hogg_cameron]

Fuck me it's one thing after another with houses

[Guinness Men's Six Nations @SixNationsRugby]

How things stand after the @autumnnations 📈👀📉

[Captain Springbok @CaptSpringbok]

The Pacific Nations aren’t happy to say the least! @WorldRugby needs to get their act together fast and fix this! Diabolical! #OwenFarrell #RWC2023 #rfu

Credit @pacificjuice_

[Graham Love @glove931]

Honestly the way some people on this site go on about Owen Farrell you’d think he’d been making repeated dangerous tackles for the past 8 years, often avoiding any sanction at all & receiving generous reductions on the rare occasions when he actually was cited.

[The London Economic @LondonEconomic]

Well, well, well...
https://t.co/126K6viKRp

[Ben Goldsmith @BenGoldsmith]

This is the single greatest threat bearing down upon the lives and livelihoods of you, your children and all future generations. Why this isn’t the biggest political issue of today and every day is beyond me. https://t.co/cZfVllvcZN

[Martin Lewis @MartinSLewis]

The facts banks are only fully passing rate rises on to borrowers not savers is counterproductive and profiteering. Encouraging saving, takes money out of the economy to help inflation too. Govt should be pushing hard to ensure banks don't just increase margins

[Dr Dan Goyal @danielgoyal]

Partygate is triggering, I assume for most of us.

For me, it is the abandonment of the public by the Govt that causes most trauma.

So I wanted to share with you what I found to be one of the most shocking parts of the national covid response..
1/n

[Martin Lewis @MartinSLewis]

They can't say they weren't warned!
Last Autumn, I raised an alarm about a coming potential mortgage ticking time bomb with millions facing huge bill-shock as their fixes end.
So much so the Chancellor called a mortgage summit; sadly it was just a missed opportunity talking shop...

I want to briefly bash out some thoughts on this.

The summit in December was attended by the Chancellor, FCA chair, the bosses of UK's biggest banks and me (I'd asked for consumer charities & mortgage experts to attend too but that wasn't agreed - tho my team and I worked hard talking to charities and mortgage brokers before to collate ideas).

My reason for suggesting the Chancellor took action was simple. We needed to prepare in case it rates rocketed - waiting for it to happen would be too late. Yet now, the time bomb has exploded, and we're scrambling about what to do.

One of the big concerns I raised was that banks were increasing their margins - basically the gap between what lenders are charged and savers paid. That should (and still should) be tightened and political pressure needs applying to ensure either better mortgages or better savings or best, both.

Other practical suggestions were not about radical change, but easy to agree forbearance and help measures to get people over the hump while they readjusted their finances.

A range of methods such as payment holidays, payment reductions, lengthening the mortgage term were discussed, plus proactive communication with borrowers who look like they may be struggling and independent solid guidance about what people's options were if they were struggling.

There were lots of nods from the bankers and many 'we do that alreadies', and indeed some extra customer communications did come out on the back.

Yet real changes met push back - sometimes the banks both from banks and the FCA. For example

1. Any help options should be easily reversible on request. Eg if you extend your term, to reduce payments, when things improve you should have an automatic right to reduce the term.

Knowing there is a reversibility option gets rid of a barrier to action - without reversibility people are scared to be locked into a longer mortgage (which means more interest).

2. It should have no or minimal impact on people's credit scores (as it did in the pandemic). Again negative credit file impact is a big barrier to action
- as it leaves people reticent to make a decision, which can lead to snowballing problems.

None of the suggestions have seen any real fruition. The attention faded, especially when rates didn't rise as sharply as first expected.

Though we are now in exactly the situation that the whole meeting was meant to prepare for. Now I read about proposed 'forbearance' measures being looked at, it does feel as a shame the stable door is already closing...

[Andrew Hunter Murray @andrewhunterm]

FREE BOOKS! Just two weeks until my new thriller The Sanctuary is out in very handsome paperback form. RT this message before midnight Thursday 18th for a chance to win one of these six copies with a personal dedication from me! (UK only I’m afraid. Chills guaranteed. Good luck.)