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FINANCIAL PRODUCT MIS-SELLING (CONSUMER KINGS) AND CANADIAN CURLERS DYSONS

THE CLYDESDALE BANK.

National Australia Bank the owners of the Clydesdale Bank has set aside further funds to meet the costs and compensation payments for the mis-selling of financial products.Along with all the other product mis-selling the Clydesdale Bank were particularly guilty when it came to Credit Card Protection. On receipt of a new or replacement card albeit current account card, debit credit card Clydedale’s customer could only have the card activated by contacting a call centre which specialised in activating the card while mis-selling CCP to customers at the same time.

Many, many people believed the sales pitch which involved scare stories about how without CCP their accounts could be cleared out but failing to mention that CCP was a bit of a scam because the cards were covered anyway under basic banking rules.

Just how much compensation the National Australia Bank ended up having to pay out after the purchase of Clydesdale came as a bit of a shock to the Aussies.

But they were warned prior to purchase, I say warned but it was really a case of “tut tut tut.....tut.....tut, tut,tut” and “What’s that Skippy, the Clydesdale Bank has been mis-selling financial products, and Timmy has fallen down a well”.

Seems they got so involved in getting Timmy out of the well that they completely forgot to do any due diligence before shelling out for the Clydesdale Bank. Either that or they were too drunk to care.

NAB is refusing to reveal how much funds they have put aside. In cash terms at least, but they did admit that the amount is approximately the equivalent of what an average Australian spends annually on lager. Therefore the amount is thought to be in the tens of millions.

www.consumerkings.co.uk

SOCHI.

Meanwhile at the Sochi winter Olympics the organisers didn’t sell very many tickets for the Biathalon. The reason being that they refused to advertise the event because it has Bi in the title. And for that reason they also didn’t advertise the Gayathalon either, but ticket sales for the Heteroathalon were brisk. Team GB curlers managed to win a bronze. The Canadians won the gold because unlike Team GB Canada moved with the times. The Canadian team were using Dysons whereas Team GB stayed old school with brushes.

Team GB’s skip Eve Muirhead said she was delighted with the bronze and she and the team are looking forward to coming home and begin their hunt for husbands. Eve said “Now that we’ve proven that we can keep floors clean, all we need to do is now prove our dusting and cooking skills and we’ll be up that aisle quicker than you can say Bronze is the new Gold”.

If Team GB can win two more medals today this will make it Britain’s most successful Winter Olympics ever. The total currently stands at 3, one gold and two bronze,which given how much the UK sports bodies have spent on training Winter Olympians for Sochi works out at £33m per medal. A £100m that could have been saved by telling British Winter Olympians “Stop being so bloody awkward and away and do a sport that doesn’t involve snow and ice that the UK doesn’t really have”

Even if we do win 5 medals it’s a hardly an open decked bus going through London celebration is it. It’ll be more of squeezing the winners into the back of a Volkswagen Golf convertible. Sochi hasn’t been that much of a success for the BBC either as viewing figures are very low. In fact it if it wasn’t for the BBC doing daily compilation clips of people falling over and badly hurting themselves they’d have no viewers at all. All that’s missing from the clips is a Harry “You’ve Been Framed” Hill voiceover.

PPI SPENDING CONSUMER KINGS, AND THE SCOTLAND UK CURRENCY UNION?

PPI SPENDING

Thousands of people receiving compensation for Payment Protection Insurance (PPI) mis-selling have spent the cash on holidays and cars, according to a survey.

The research suggests that only 12% of those receiving the cash have saved any of it.

It appears that most people have spent it - on consumer goods or travel.

The total paid out so far, £13.3bn, has therefore been a huge economic boost.

Experts have said that is the equivalent of a 1% fillip to UK GDP, making it a more effective "spend" signal than any other government incentive.

Booming car sales in the UK have also been put down to PPI payments.

Banks were forced to compensate customers who bought the insurance policies, but often did not need them.

New Shoes

The survey suggests that the average payout was about £2,810 and that people spent the money quickly.

On average, they took less than three weeks to buy something.

The most popular purchase was a holiday, with 24% of respondents saying they had spent some or all of the cash on travel.

Buying a car was also a popular choice, with 22% saying their windfall was spent on a new or second-hand vehicle.

Others spent the money on household goods and furnishings.

A significant minority - 10% - reported that they spent the money on clothes, with 5% buying new shoes.

WHERE THE MONEY IS GOING.

· 24% Holidays

· 22% New car

· 19% Home appliances

· 17% Bills

· 13% Home furnishings

· 12% Savings

· 10% Clothes

· 8% Gadgets

· 5% Shoes

· 3% Groceries

· .0001% Camel

· Source:The BBC



To get what you are owed visit

www.consumerkings.co.uk

CURRENCY DISUNION.

The Scottish independence currency debate continues with George Osborne, Ed Balls and Danny Alexander stating categorically that the UK government will not enter into a currency union with an independent Scotland.

This has been poo pooeed by the Scottish First Minister Alex Salmond and his deputy Nicola Sturgeon who both state categorically that there will be a currency union and they have already printed pro independence T shirts with “THERE WILL BE A CURRENCY UNION” on them and accusing George Osborne, Ed Balls and Danny Alexander of calling the T shirts liars.

Miss Sturgeon said “T shirts always tell the truth”.

What?, even the ones that she and Alex Salmond wear when they are out and about and read “I’M WITH STUPID”.

The Scottish SNP Government are reluctant to reveal if they have a plan B, which they do, but they think that the plan B which is to have a Scottish currency called the Salmond with 100 Sturgeons to the Salmond might be seen as just a tad egotistical to the undecided voters.

The President of the European Union Manuel Barosso also stated categorically that Scotland will find it difficult if not impossible to join the European Union. This too was poo pooed by Mr Salmond and Miss Sturgeon who said “What does he know, he’s only the President of the European Union, and we know that Scotland can join the European Union easily because a man we met in the pub told us that, and he wasn’t that drunk”

The SNP Governments argument for the ease with which Scotland will become a part of the European Union is they’ve talked to the organisers of the Eurovision Song Contest and they’ve told them that because Lulu was once an entrant this guarantees Scotland entry into the European Union. 

It’s all there in the European Union admission rules in black and white on page 458 of the agreement. Well it is now after Alex Salmond took a black ink marker and wrote it into the margins.

The nationalists fanatics who’ll vote yes despite the consequences of independence actually believe this. But the no voters think Alex and Nicola are talking poo poo, whereas the undecided are starting to realise the latter.