The Labour Government

No-one wants a nanny-f**king state poking its nose in. This is why you have the banks now demnding to know why and how you're going to spend your own money when you draw out your own cash to spend as you like. It's my business how I spend my money, f**k off.
 
No-one wants a nanny-f**king state poking its nose in. This is why you have the banks now demnding to know why and how you're going to spend your own money when you draw out your own cash to spend as you like. It's my business how I spend my money, f**k off.
That's a bit out of the blue.

Most routine questions are trying to protect you from fraud. Or check that you're not a money-launderer or funding terrorists.

Why in this thread? The Regs date from 2017.
 
I can only speak from my efforts to help young people into work and what I see advertised to perhaps 15 years ago or even 40 years ago. Things have changed considerably since the Pandemic and have got much worse recently.
My role isnt to engage with employers as such, we have specific staff for that.

The retail and hospitality industries were always the short term answer for young people looking for their first job, even if it then meant still applying for something else that was their long term career aim.
Not anymore. They can't get them (in the main) because its an "employer market" and many dont want kids where time and money might be needed to invest in training. Kids being an unknown quantity puts them off and many employers prefer an applicant with at least 1-2 years experience. Not all employers by any means, but its there.

In the last 18 months I have also had to deal with something I had never experienced before in 40 years; 4 newly qualified nurses looking for nursing work and not finding any. All Asian British girls with no barriers and perfectly suitable applicants.
It took a few months and we got there in the end but I'd never seen nurses claiming before.

So, for me, there is something very wrong out there at the minute.
Thanks for the reply. It feels as if the vast majority of the media use it as a stick to beat the government when in reality it is that either the jobs that we used to get a foothold are simply not there or employers just can't be bothered, but it's then easy to blame that on things like the NI increases.

The issue with the nurses is worrying but let's hope that just down to short term funding. By "claiming" do you mean for out of work benefits?
 
Anyway, some really good news as a direct result of the Labour government: My car insurance renewal has gone down by 20% ( for those of you who follow this thread, it's not that long ago someone in South Wales blamed rising car insurance directly on Labour so as it's now come down 2 years on the bounce, that's got to be their actions too) :-))))
 
Aslum numbers aren't dropping though are they? Just workers originating from the EU.
Strange then that Andrew Nelson from the times (no friend of Labour) agreed with Andrew Marr about everything he was saying & didn't challenge him.
 
Thank you for the detailed reply.

I agree with much of it to be honest. There are multiple factors involved in the whole shitshow.
However, youth unemployment is where my job focuses on and Milburns recent report on the effect of non EU migration on the NEETs was an eye opener.
People say that Brits dont want to work. Some do, some swing the lead. Always have done. Like many other nationalities there is no "one size fits all" when it comes to who claims benefits and how they act.
Yet here we are, as a country, neglecting our young and denying them entry level jobs because of other issues. That needs to stop.

In total agreement with you about the situation with young people and I'd say Millburn's report is actually a good example of my point. It details how badly we've let young people down and too often blamed them for the situation we've created. It should be a source of national shame and debate. However, it got some news coverage around the days of it's release and a bit of hand wringing commentary but that was it and it's already been replaced on our screens with rioting in Southampton.

The plight of 1 million of our young people is already tomorrow's chip paper in the eyes of much of our media.

I've only skim read Millburn's report so far but he talks about a number of complicated and interrelated issues but tbh I didn't really get a sense that he was saying immigration was a significant material part of it. He mentions it in relation to a couple of sectors but pretty much says it's not a main underlying risk. Certainly if you look at what's going to be required by way of solutions it's going to take a lot more than 'fixing' immigration to sort it. What we are reaping now is the results of decades of under investment in the country, and in the case of these youngsters, using FE as a prop to disguise or delay fixing our problems, failing to regulate SM, ignoring the growing mental health crisis and pretending that bizarrely a generation got out of bed one day and were biologically less able to cope than previous generations. Plus as Millburn points out a host of other things.

There's been lots of words along the way with lots of partial initiatives that have been underfunded and things have just got worse. The blunt reality is that young people get the crappiest hand in a declining economy and your other comment about the nurses suggests to me that if we carry on our current trajectory ever more working age people will continue to get caught up in the same situation. So what do we do about it?

I'm going to be interested to see what Milburn recommends in part 2 but if we're being honest, the shitshow he describes is not going to get fixed by a billion here or a billion there because as he says there are multiple interconnected structural issues. Milburn does actually say it out loud but not as loud as he needs to, inequality is killing this country. I'm not saying for a minute that there aren't people gaming the immigration system and I'm not saying there aren't some people gaming the benefits systems.

What I'm saying is that their impact is minimal compared to the people who are really destroying the UK economy. And that would be our super rich (and the super rich of some other countries too).

Gradually over the last three decades, the super rich have changed from being an active part of the economy who generated productive growth and value, to being predominantly extractors and hoarders of unproductive wealth. This means increasingly few help the economy grow by investing in industry or services, in fact they inhibit the growth. In the absence of that proactive investment for growth there are only two ways to fix things (1) the country gets itself further into debt borrowing yet more to invest in solutions and hoping the value of those solutions outstrip our debt or (2) improve the distribution of current wealth and that means taxing the wealth of the super rich.

If Milburn's part 2 glosses over this then he is just ducking the issue in the same way that the current Labour government has ducked the issue since day one. At this point pretending that sufficient growth will cyclically reappear is at best burying your head in the sand in the hope that an economic miracle comes along or worse indulging in fairy tale economics.

The national conversations we should be having are for example (and I'm not in the construction industry so this could be complete bollocks, I use it only as an example of the 'scale' of the conversations we should be having)...

What would it take to credibly invest in boosting the MMC sector in order to simultaneously:

1. Help solve our housing crisis
2. offer real and useful skills developments and meaningful jobs to a material proportion of the young people Milburn talks about
3. create a sector that could also provide exports to aid the wider economy

How many hundreds of billions is that going to take and how many tens of billions is it going to take to get it kick started ? What sources is that going to come from? What if a progressive wealth tax on the top 0.5% of wealthiest people in this country could generate somewhere between £35 to £45 billion pa - how much of a dent could it make in this problem? What tax breaks could we give the top 0.5% in this space if they actively invested in the country instead of simply taking money out of it and how might that boost the investment pot further?

There's a million other questions like how much preparatory work would be required e.g capability and legislation in order to stop us pissing the money down the drain? How many years is it going to take and what can we do in the early stages of the programme to give young people hope that this is real and not bullshit and what are we going to do to convince the markets we know what we're doing? But they are all predicated on getting the money from somewhere.

You could have a 'similar but different' conversation about AI. Or social care for that matter.

But instead we have a government too timid to do anything other than tinker in the margins and as a population we distract ourselves by arguing about immigration. I get why we do that because it's a lot easier than facing into the realities of where we are. But that's why we need some bolder vision from some proper leaders both in politics and in industry. Sure many of the super rich would have to be dragged kicking and screaming into being net contributors rather than a huge economic drain, and sure wealth mobility makes it harder to do than it would have been 30 years ago; but if not this and not now then what exactly are we going to do ? because a billion here or a billion there is going to have bugger all impact.

Sorry if I sound like I'm hectoring but I've had a fair bit of involvement with the FE sector and had a fair few young people through the doors of my small business to try and help in a small way with the crisis and it's just incredibly frustrating where we've got to as a country.
 
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Any fall in any immigration is good & small boat figures are also down compared to previous year. Also deportations are up compared to when Tories were in.
Ah - changing the tune now I see.
But yes I agree - but even that fall is clearly due to the economy tanking.
I see Rachel from Accounts is now championing her tax destruction policies for small businesses as a rise in productivity for the fact that the economy is flattlining rather than shinking.
And youth unemployment continues to rise as a result.
 
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Anyway, some really good news as a direct result of the Labour government: My car insurance renewal has gone down by 20% ( for those of you who follow this thread, it's not that long ago someone in South Wales blamed rising car insurance directly on Labour so as it's now come down 2 years on the bounce, that's got to be their actions too) :-))))
Thanks to Labour, I got a refund on my van insurance when I sold it.

Thanks Labour ;-)
 
In total agreement with you about the situation with young people and I'd say Millburn's report is actually a good example of my point. It details how badly we've let young people down and too often blamed them for the situation we've created. It should be a source of national shame and debate. However, it got some news coverage around the days of it's release and a bit of hand wringing commentary but that was it and it's already been replaced on our screens with rioting in Southampton.

The plight of 1 million of our young people is already tomorrow's chip paper in the eyes of much of our media.

I've only skim read Millburn's report so far but he talks about a number of complicated and interrelated issues but tbh I didn't really get a sense that he was saying immigration was a significant material part of it. He mentions it in relation to a couple of sectors but pretty much says it's not a main underlying risk. Certainly if you look at what's going to be required by way of solutions it's going to take a lot more than 'fixing' immigration to sort it. What we are reaping now is the results of decades of under investment in the country, and in the case of these youngsters, using FE as a prop to disguise or delay fixing our problems, failing to regulate SM, ignoring the growing mental health crisis and pretending that bizarrely a generation got out of bed one day and were biologically less able to cope than previous generations. Plus as Millburn points out a host of other things.

There's been lots of words along the way with lots of partial initiatives that have been underfunded and things have just got worse. The blunt reality is that young people get the crappiest hand in a declining economy and your other comment about the nurses suggests to me that if we carry on our current trajectory ever more working age people will continue to get caught up in the same situation. So what do we do about it?

I'm going to be interested to see what Milburn recommends in part 2 but if we're being honest, the shitshow he describes is not going to get fixed by a billion here or a billion there because as he says there are multiple interconnected structural issues. Milburn does actually say it out loud but not as loud as he needs to, inequality is killing this country. I'm not saying for a minute that there aren't people gaming the immigration system and I'm not saying there aren't some people gaming the benefits systems.

What I'm saying is that their impact is minimal compared to the people who are really destroying the UK economy. And that would be our super rich (and the super rich of some other countries too).

Gradually over the last three decades, the super rich have changed from being an active part of the economy who generated productive growth and value, to being predominantly extractors and hoarders of unproductive wealth. This means increasingly few help the economy grow by investing in industry or services, in fact they inhibit the growth. In the absence of that proactive investment for growth there are only two ways to fix things (1) the country gets itself further into debt borrowing yet more to invest in solutions and hoping the value of those solutions outstrip our debt or (2) improve the distribution of current wealth and that means taxing the wealth of the super rich.

If Milburn's part 2 glosses over this then he is just ducking the issue in the same way that the current Labour government has ducked the issue since day one. At this point pretending that sufficient growth will cyclically reappear is at best burying your head in the sand in the hope that an economic miracle comes along or worse indulging in fairy tale economics.

The national conversations we should be having are for example (and I'm not in the construction industry so this could be complete bollocks, I use it only as an example of the 'scale' of the conversations we should be having)...

What would it take to credibly invest in boosting the MMC sector in order to simultaneously:

1. Help solve our housing crisis
2. offer real and useful skills developments and meaningful jobs to a material proportion of the young people Milburn talks about
3. create a sector that could also provide exports to aid the wider economy

How many hundreds of billions is that going to take and how many tens of billions is it going to take to get it kick started ? What sources is that going to come from? What if a progressive wealth tax on the top 0.5% of wealthiest people in this country could generate somewhere between £35 to £45 billion pa - how much of a dent could it make in this problem? What tax breaks could we give the top 0.5% in this space if they actively invested in the country instead of simply taking money out of it and how might that boost the investment pot further?

There's a million other questions like how much preparatory work would be required e.g capability and legislation in order to stop us pissing the money down the drain? How many years is it going to take and what can we do in the early stages of the programme to give young people hope that this is real and not bullshit and what are we going to do to convince the markets we know what we're doing? But they are all predicated on getting the money from somewhere.

You could have a 'similar but different' conversation about AI. Or social care for that matter.

But instead we have a government too timid to do anything other than tinker in the margins and as a population we distract ourselves by arguing about immigration. I get why we do that because it's a lot easier than facing into the realities of where we are. But that's why we need some bolder vision from some proper leaders both in politics and in industry. Sure many of the super rich would have to be dragged kicking and screaming into being net contributors rather than a huge economic drain, and sure wealth mobility makes it harder to do than it would have been 30 years ago; but if not this and not now then what exactly are we going to do ? because a billion here or a billion there is going to have bugger all impact.

Sorry if I sound like I'm hectoring but I've had a fair bit of involvement with the FE sector and had a fair few young people through the doors of my small business to try and help in a small way with the crisis and it's just incredibly frustrating where we've got to as a country.
Great post, it honestly frustrates the hell out of me when I see how government money is spent. Large multinationals that are working on UK funded projects should not be allowed to offshore 40% or more of their work. It happens all the time with engineering design work and its always the type of work that an early careers person would have traditionally done. If you want skilled individuals you need to ensure that the junior roles are protected and kept within the UK so that they have a chance to learn.

People say ah but thats international trade, funny how countries like Canada has a policy of strictly limiting how much work can be done overseas. Even India who we signed a trade deal with has a policy of "Make in India" with complex rules mandating the vast majority of any work to be done using Indian businesses.

The other side of this is unlike most other countries, privatisation seriously screwed up the work based skills training that was provided by public owned companies. The training courses offered by British Telecom, British Gas, CEGB, British Rail etc were second to none and produced a stream of fully trained individuals who could support private industry. Now its how cheap can we do it.

The main issue with FE as it stands is that its about profit over providing high quality training and skills. Too much focus on margin not enough on providing a service. When I was at Uni doing my undergrad (many years ago), for anything remotely scientific you had around 3 days of your week taken up by lectures and lab work, now its about 1.5 days, then you wonder why people come out of Uni without a grasp of the fundamentals of the subjects or how to practically apply them. Its not the fault of the youngsters its the education system that's failed them. The one that they are paying a fortune to access.
 
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Great post, it honestly frustrates the hell out of me when I see how government money is spent. Large multinationals that are working on UK funded projects should not be allowed to offshore 40% or more of their work. It happens all the time with engineering design work and its always the type of work that an early careers person would have traditionally done. If you want skilled individuals you need to ensure that the junior roles are protected and kept within the UK so that they have a chance to learn.

People say ah but thats international trade, funny how countries like Canada has a policy of strictly limiting how much work can be done overseas. Even India who we signed a trade deal with has a policy of "Make in India" with complex rules mandating the vast majority of any work to be done using Indian businesses.

The other side of this is unlike most other countries, privatisation seriously screwed up the work based skills training that was provided by public owned companies. The training courses offered by British Telecom, British Gas, CEGB, British Rail etc were second to none and produced a stream of fully trained individuals who could support private industry. Now its how cheap can we do it.

The main issue with FE as it stands is that its about profit over providing high quality training and skills. Too much focus on margin not enough on providing a service. When I was at Uni doing my undergrad (many years ago), for anything remotely scientific you had around 3 days of your week taken up by lectures and lab work, now its about 1.5 days, then you wonder why people come out of Uni without a grasp of the fundamentals of the subjects or how to practically apply them. Its not the fault of the youngsters its the education system that's failed them. The one that they are paying a fortune to access.

Yeah though FE and HE have their own distinct funding models, both are highly dysfunctional in their own ways! I think FE is much more closely related to the NEETS issues but as an increasing number of grads find it impossible to get jobs the HE sector will become more and more dragged into it.

A few years back I was tapped up by a local college to provide the industrial placement experience required for their first wave of digital T-Level students. We did it but it was more disruptive than ideal and when I looked into it in a bit more depth it was obvious that the way the qualification had been rolled out hadn't set the colleges up for success and they were going to run into all sorts of problems finding the, not insignificant, industry placements as they tried to scale up the numbers. So rather than offer to just take a few more the next year we suggested an alternative model which I thought might help with scale - we had some IP that we were only planning to exploit in particular sectors and so offered it to them free so they could create an entity that would address some other low stakes sectors. They wouldn't be getting rich off the back of it but the idea was rather than simply scratch around for employers, they could create a vehicle that they had more control over and that they could pass larger numbers of learners through to gain real life skills. It would obviously need some resources put into its operation and support of the students but there was a number of ways that could be done and we put together a conservative plan to show that it should easily be able to wipe its face once it was up and running. Can't remember the exact estimate but I suggested they'd need to find about £50K for them to do a proof of concept and get it up and running and we even knocked out a plan for the PoC and offered to help out FoC. I might as well have been suggesting they build a rocket out of spam and fly to the moon in it. I'm not blaming the college staff here, their funding model and the number of barriers and obstacles in their way to doing something like this and the lack of real incentive for them to even try meant it was never going to go anywhere and so we backed off. Now it might ultimately have been a stupid idea but we'll never know and the reality was doing the same old same old really wasn't going to work. I think the mindset was, we've been fannied around so much in FE that we'll just try and muddle on until the whole T-Level qualification dies on its arse like most government initiatives do. Despite lots of great kids eager to get some experience it was a pretty dispiriting experience.
 
No mention anywhere in the National Media that increasing the retirement age to 67 is impacting on youngsters trying to find employment (its all the immigrants fault obviously )

Which is strange 'cos they can't be stealing all the jobs whilst simultaneously claiming all the benefits.
I agree about the rising of state retirement age; I can certainly see the logic behind it (the difference in the ratio of those working and those they are supporting compared to what it was when retirement age was first introduced). Yet, as you say, it brings a new and different problem.

With regards to unemployment and the younger jobseekers; the number of unemployed rose by just over 190000 in the last 12 months. With the youngsters being negatively impacted in a much bigger way than most.
New steps are in place to try and address this, and not before time.
I'll try and dig out the reference to non eu migration impacting entry level jobs (I definitely read it, I didnt dream it).

Edit to add;
Recent reporting in The Telegraph highlights a stark divide in the UK youth labour market, noting that the employment of young foreign nationals has vastly outpaced the hiring of young British workers. [1]
Data and commentary in the publication reveal the following key dynamics:
  • Disproportionate Job Growth: Analysis from the Centre for Social Justice (CSJ) indicates that for every one young British worker hired since 2020, 27 young non-EU migrants have been hired. [1]
  • Payroll Statistics: Between 2020 and 2026, the number of under-25s in work rose by over 125,000. Young foreign nationals accounted for 114,400 of this increase, whereas employment for British nationals in this age group rose by just 10,800. [1]
  • Employers' Preferences: Government worklessness tsar Alan Milburn and think tanks argue that many firms have developed a growing preference for hiring migrant workers over training up local, home-grown youth, particularly in entry-level and lower-skilled sectors like hospitality and retail. [1, 2, 3]
  • Rising Youth Inactivity: As migrant employment has surged, nearly 1 million young Britons are classified as "Neet" (not in education, employment, or training), a crisis driven by shrinking entry-level opportunities, rocketing claims for mental ill-health, and increased employer National Insurance costs. [1, 2]
You can read more about the CSJ’s full findings in the 1780503725252.png⁠Telegraph report on young migrants or explore opinion coverage on the issue via the 1780503725264.png⁠Telegraph's article on mass migration. [1]
 
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Doesn't that put to bed this (and other) Government's aim to get disabled people back into work rhetoric?
I think its an incredibly difficult situation to address at the minute. At least until the labour market starts to recover and/or employers are more receptive to the idea about employing someone who hasn't worked in a while due to health conditions.
However, again, I certainly understand the need to address it; years ago people on "long term sick" were just left. In some cases they got worse (much worse. Particularly those with depression etc).
So I see the desire to help some people get back on track with support. However long it might take.
 
Thanks for the reply. It feels as if the vast majority of the media use it as a stick to beat the government when in reality it is that either the jobs that we used to get a foothold are simply not there or employers just can't be bothered, but it's then easy to blame that on things like the NI increases.

The issue with the nurses is worrying but let's hope that just down to short term funding. By "claiming" do you mean for out of work benefits?
Yeah, claiming out of work benefits.
Like I said earlier though some new initiatives are creeping in to help the Youth in these circumstances. Long overdue, considering it was supposed to be one of Labour's priorities 2 years ago.
Blair did similar, and that came into effect within (literally) a couple of months of his Premiership. Different times though, with a better economy.
 
In total agreement with you about the situation with young people and I'd say Millburn's report is actually a good example of my point. It details how badly we've let young people down and too often blamed them for the situation we've created. It should be a source of national shame and debate. However, it got some news coverage around the days of it's release and a bit of hand wringing commentary but that was it and it's already been replaced on our screens with rioting in Southampton.

The plight of 1 million of our young people is already tomorrow's chip paper in the eyes of much of our media.

I've only skim read Millburn's report so far but he talks about a number of complicated and interrelated issues but tbh I didn't really get a sense that he was saying immigration was a significant material part of it. He mentions it in relation to a couple of sectors but pretty much says it's not a main underlying risk. Certainly if you look at what's going to be required by way of solutions it's going to take a lot more than 'fixing' immigration to sort it. What we are reaping now is the results of decades of under investment in the country, and in the case of these youngsters, using FE as a prop to disguise or delay fixing our problems, failing to regulate SM, ignoring the growing mental health crisis and pretending that bizarrely a generation got out of bed one day and were biologically less able to cope than previous generations. Plus as Millburn points out a host of other things.

There's been lots of words along the way with lots of partial initiatives that have been underfunded and things have just got worse. The blunt reality is that young people get the crappiest hand in a declining economy and your other comment about the nurses suggests to me that if we carry on our current trajectory ever more working age people will continue to get caught up in the same situation. So what do we do about it?

I'm going to be interested to see what Milburn recommends in part 2 but if we're being honest, the shitshow he describes is not going to get fixed by a billion here or a billion there because as he says there are multiple interconnected structural issues. Milburn does actually say it out loud but not as loud as he needs to, inequality is killing this country. I'm not saying for a minute that there aren't people gaming the immigration system and I'm not saying there aren't some people gaming the benefits systems.

What I'm saying is that their impact is minimal compared to the people who are really destroying the UK economy. And that would be our super rich (and the super rich of some other countries too).

Gradually over the last three decades, the super rich have changed from being an active part of the economy who generated productive growth and value, to being predominantly extractors and hoarders of unproductive wealth. This means increasingly few help the economy grow by investing in industry or services, in fact they inhibit the growth. In the absence of that proactive investment for growth there are only two ways to fix things (1) the country gets itself further into debt borrowing yet more to invest in solutions and hoping the value of those solutions outstrip our debt or (2) improve the distribution of current wealth and that means taxing the wealth of the super rich.

If Milburn's part 2 glosses over this then he is just ducking the issue in the same way that the current Labour government has ducked the issue since day one. At this point pretending that sufficient growth will cyclically reappear is at best burying your head in the sand in the hope that an economic miracle comes along or worse indulging in fairy tale economics.

The national conversations we should be having are for example (and I'm not in the construction industry so this could be complete bollocks, I use it only as an example of the 'scale' of the conversations we should be having)...

What would it take to credibly invest in boosting the MMC sector in order to simultaneously:

1. Help solve our housing crisis
2. offer real and useful skills developments and meaningful jobs to a material proportion of the young people Milburn talks about
3. create a sector that could also provide exports to aid the wider economy

How many hundreds of billions is that going to take and how many tens of billions is it going to take to get it kick started ? What sources is that going to come from? What if a progressive wealth tax on the top 0.5% of wealthiest people in this country could generate somewhere between £35 to £45 billion pa - how much of a dent could it make in this problem? What tax breaks could we give the top 0.5% in this space if they actively invested in the country instead of simply taking money out of it and how might that boost the investment pot further?

There's a million other questions like how much preparatory work would be required e.g capability and legislation in order to stop us pissing the money down the drain? How many years is it going to take and what can we do in the early stages of the programme to give young people hope that this is real and not bullshit and what are we going to do to convince the markets we know what we're doing? But they are all predicated on getting the money from somewhere.

You could have a 'similar but different' conversation about AI. Or social care for that matter.

But instead we have a government too timid to do anything other than tinker in the margins and as a population we distract ourselves by arguing about immigration. I get why we do that because it's a lot easier than facing into the realities of where we are. But that's why we need some bolder vision from some proper leaders both in politics and in industry. Sure many of the super rich would have to be dragged kicking and screaming into being net contributors rather than a huge economic drain, and sure wealth mobility makes it harder to do than it would have been 30 years ago; but if not this and not now then what exactly are we going to do ? because a billion here or a billion there is going to have bugger all impact.

Sorry if I sound like I'm hectoring but I've had a fair bit of involvement with the FE sector and had a fair few young people through the doors of my small business to try and help in a small way with the crisis and it's just incredibly frustrating where we've got to as a country.
I'm really sorry to reply with such a meagre response to a great post, just got in from work, bit knackered and a bottle of wine awaits ;-)
However, I wholeheartedly agree. ;-)

The problems are deep seated, multi faceted and about 50 years in the making.
I think most of the problem at a government level in recent years has been compounded by politicians who try to please everyone whilst not really pleasing anyone. Too scared to upset anyone from voting for them. The usual "class" divide when it came to votes has fractured. Maybe that's a good thing? I dont know. Doesn't really feel like it to be honest.

The asylum seekers and immigration issue is just one particular bug bear for me. When you work in the public sector and see the strain services are under, AND also work in the getting young people into work bit then its hard to see. I work and deal with lots of people from different ethnicities and cultures. Yet its this insidious social media online narrative that all white Britons (particularly the "Wetherspoon Gammon" and the like) are somehow bad and everyone from overseas is good. It reminds me of a book I once read ;-)
Coupled with accusations of prejudice and I can go off on one.

I'm not stupid, I know there are other issues playing into it.
It just winds me up when people are seemingly relaxed about it.

One final edit (promise!)
We need a PM who isnt afraid to do the stuff needed to try and "fix" things and be unpopular.
I was wanting Starmer to do well, but I dont know if he has the gumption to address those issues that really do need fixing.
And his own party are seemingly not willing to give him the time either.
 
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That's a bit out of the blue.

Most routine questions are trying to protect you from fraud. Or check that you're not a money-launderer or funding terrorists.

Why in this thread? The Regs date from 2017.

They aren’t trying to protect you or I, they are protecting the banks from having to give you the money back.
 

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