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	<title>Comments on: Shared Appreciation Mortgages</title>
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		<title>By: Steven L</title>
		<link>http://www.boris-johnson.com/2006/03/16/shared-appreciation-mortgages/comment-page-1/#comment-9166</link>
		<dc:creator>Steven L</dc:creator>
		<pubDate>Wed, 05 Apr 2006 17:21:51 +0000</pubDate>
		<guid isPermaLink="false">http://80.82.117.242/?p=254#comment-9166</guid>
		<description>Looks like the OFT have started to pull their finger out after all, I take it all back.  Read this everyone and lets get litigious!

&lt;a href=&quot;http://www.oft.gov.uk/News/Press+releases/2006/68-06.htm&quot; rel=&quot;nofollow&quot;&gt;http://www.oft.gov.uk/News/Press+releases/2006/68-06.htm&lt;/a&gt;
</description>
		<content:encoded><![CDATA[<p>Looks like the OFT have started to pull their finger out after all, I take it all back.  Read this everyone and lets get litigious!</p>
<p><a href="http://www.oft.gov.uk/News/Press+releases/2006/68-06.htm" rel="nofollow">http://www.oft.gov.uk/News/Press+releases/2006/68-06.htm</a></p>
<p>Rate This: <img style="padding: 0px; border: none; cursor: pointer;" onmouseover="this.width=this.width*1.3" onmouseout="this.width=this.width/1.2" id="up-9166" src="http://www.boris-johnson.com/wp-content/plugins/comment-rating/images/1_14_up.png" alt="Thumb up" onclick="javascript:ckratingKarma('9166', 'add', 'www.boris-johnson.com/wp-content/plugins/comment-rating/', '1_14_');" title="Thumb up" /> <span id="karma-9166-up" style="font-size:12px; color:#009933;">0</span>&nbsp;<img style="padding: 0px; border: none; cursor: pointer;" onmouseover="this.width=this.width*1.3" onmouseout="this.width=this.width/1.2" id="down-9166" src="http://www.boris-johnson.com/wp-content/plugins/comment-rating/images/1_14_down.png" alt="Thumb down" onclick="javascript:ckratingKarma('9166', 'subtract', 'www.boris-johnson.com/wp-content/plugins/comment-rating/', '1_14_')" title="Thumb down" /> <span id="karma-9166-down" style="font-size:12px; color:#990033;">0</span></p>]]></content:encoded>
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		<title>By: Steven L</title>
		<link>http://www.boris-johnson.com/2006/03/16/shared-appreciation-mortgages/comment-page-1/#comment-9165</link>
		<dc:creator>Steven L</dc:creator>
		<pubDate>Fri, 24 Mar 2006 18:47:18 +0000</pubDate>
		<guid isPermaLink="false">http://80.82.117.242/?p=254#comment-9165</guid>
		<description>I thought this debate was about the morale standards of banking in the UK and how it relates to the morale standards of government?

You&#039;ve all made the point that they both could treat the homeless better.

Lets get back on topic, this is a good one!

</description>
		<content:encoded><![CDATA[<p>I thought this debate was about the morale standards of banking in the UK and how it relates to the morale standards of government?</p>
<p>You&#8217;ve all made the point that they both could treat the homeless better.</p>
<p>Lets get back on topic, this is a good one!</p>
<p>Rate This: <img style="padding: 0px; border: none; cursor: pointer;" onmouseover="this.width=this.width*1.3" onmouseout="this.width=this.width/1.2" id="up-9165" src="http://www.boris-johnson.com/wp-content/plugins/comment-rating/images/1_14_up.png" alt="Thumb up" onclick="javascript:ckratingKarma('9165', 'add', 'www.boris-johnson.com/wp-content/plugins/comment-rating/', '1_14_');" title="Thumb up" /> <span id="karma-9165-up" style="font-size:12px; color:#009933;">0</span>&nbsp;<img style="padding: 0px; border: none; cursor: pointer;" onmouseover="this.width=this.width*1.3" onmouseout="this.width=this.width/1.2" id="down-9165" src="http://www.boris-johnson.com/wp-content/plugins/comment-rating/images/1_14_down.png" alt="Thumb down" onclick="javascript:ckratingKarma('9165', 'subtract', 'www.boris-johnson.com/wp-content/plugins/comment-rating/', '1_14_')" title="Thumb down" /> <span id="karma-9165-down" style="font-size:12px; color:#990033;">0</span></p>]]></content:encoded>
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		<title>By: raincoaster</title>
		<link>http://www.boris-johnson.com/2006/03/16/shared-appreciation-mortgages/comment-page-1/#comment-9164</link>
		<dc:creator>raincoaster</dc:creator>
		<pubDate>Thu, 23 Mar 2006 08:40:15 +0000</pubDate>
		<guid isPermaLink="false">http://80.82.117.242/?p=254#comment-9164</guid>
		<description>Don&#039;t be so down on yourselves. In the Vancouver neighborhood I live in, in 1996, the average age at death was 32.

I&#039;m 42. Boris is, I believe, 41. And according to the document I was reading, during the Black Plague, life expectancy in London was 46. Progress, my friends; the hamster on the wheel really thinks he&#039;s going somewhere.
</description>
		<content:encoded><![CDATA[<p>Don&#8217;t be so down on yourselves. In the Vancouver neighborhood I live in, in 1996, the average age at death was 32.</p>
<p>I&#8217;m 42. Boris is, I believe, 41. And according to the document I was reading, during the Black Plague, life expectancy in London was 46. Progress, my friends; the hamster on the wheel really thinks he&#8217;s going somewhere.</p>
<p>Rate This: <img style="padding: 0px; border: none; cursor: pointer;" onmouseover="this.width=this.width*1.3" onmouseout="this.width=this.width/1.2" id="up-9164" src="http://www.boris-johnson.com/wp-content/plugins/comment-rating/images/1_14_up.png" alt="Thumb up" onclick="javascript:ckratingKarma('9164', 'add', 'www.boris-johnson.com/wp-content/plugins/comment-rating/', '1_14_');" title="Thumb up" /> <span id="karma-9164-up" style="font-size:12px; color:#009933;">0</span>&nbsp;<img style="padding: 0px; border: none; cursor: pointer;" onmouseover="this.width=this.width*1.3" onmouseout="this.width=this.width/1.2" id="down-9164" src="http://www.boris-johnson.com/wp-content/plugins/comment-rating/images/1_14_down.png" alt="Thumb down" onclick="javascript:ckratingKarma('9164', 'subtract', 'www.boris-johnson.com/wp-content/plugins/comment-rating/', '1_14_')" title="Thumb down" /> <span id="karma-9164-down" style="font-size:12px; color:#990033;">0</span></p>]]></content:encoded>
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		<title>By: Psimon</title>
		<link>http://www.boris-johnson.com/2006/03/16/shared-appreciation-mortgages/comment-page-1/#comment-9163</link>
		<dc:creator>Psimon</dc:creator>
		<pubDate>Thu, 23 Mar 2006 08:31:36 +0000</pubDate>
		<guid isPermaLink="false">http://80.82.117.242/?p=254#comment-9163</guid>
		<description>42.

Amazing, isn&#039;t it.

We live in such a civilised country.

We spend billions killing innocent men, women and children in foreign countries - but we can&#039;t find a few million to help our own.

Such a lovely country i live in.

Such a lovely race i belong to.
</description>
		<content:encoded><![CDATA[<p>42.</p>
<p>Amazing, isn&#8217;t it.</p>
<p>We live in such a civilised country.</p>
<p>We spend billions killing innocent men, women and children in foreign countries &#8211; but we can&#8217;t find a few million to help our own.</p>
<p>Such a lovely country i live in.</p>
<p>Such a lovely race i belong to.</p>
<p>Rate This: <img style="padding: 0px; border: none; cursor: pointer;" onmouseover="this.width=this.width*1.3" onmouseout="this.width=this.width/1.2" id="up-9163" src="http://www.boris-johnson.com/wp-content/plugins/comment-rating/images/1_14_up.png" alt="Thumb up" onclick="javascript:ckratingKarma('9163', 'add', 'www.boris-johnson.com/wp-content/plugins/comment-rating/', '1_14_');" title="Thumb up" /> <span id="karma-9163-up" style="font-size:12px; color:#009933;">0</span>&nbsp;<img style="padding: 0px; border: none; cursor: pointer;" onmouseover="this.width=this.width*1.3" onmouseout="this.width=this.width/1.2" id="down-9163" src="http://www.boris-johnson.com/wp-content/plugins/comment-rating/images/1_14_down.png" alt="Thumb down" onclick="javascript:ckratingKarma('9163', 'subtract', 'www.boris-johnson.com/wp-content/plugins/comment-rating/', '1_14_')" title="Thumb down" /> <span id="karma-9163-down" style="font-size:12px; color:#990033;">0</span></p>]]></content:encoded>
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		<title>By: raincoaster</title>
		<link>http://www.boris-johnson.com/2006/03/16/shared-appreciation-mortgages/comment-page-1/#comment-9162</link>
		<dc:creator>raincoaster</dc:creator>
		<pubDate>Thu, 23 Mar 2006 07:41:49 +0000</pubDate>
		<guid isPermaLink="false">http://80.82.117.242/?p=254#comment-9162</guid>
		<description>Going back to the homeless for a moment: Today I was doing some research for work and I found out an interesting fact.

The average life expectancy for a homeless person in London is...

Can you guess?

42.
</description>
		<content:encoded><![CDATA[<p>Going back to the homeless for a moment: Today I was doing some research for work and I found out an interesting fact.</p>
<p>The average life expectancy for a homeless person in London is&#8230;</p>
<p>Can you guess?</p>
<p>42.</p>
<p>Rate This: <img style="padding: 0px; border: none; cursor: pointer;" onmouseover="this.width=this.width*1.3" onmouseout="this.width=this.width/1.2" id="up-9162" src="http://www.boris-johnson.com/wp-content/plugins/comment-rating/images/1_14_up.png" alt="Thumb up" onclick="javascript:ckratingKarma('9162', 'add', 'www.boris-johnson.com/wp-content/plugins/comment-rating/', '1_14_');" title="Thumb up" /> <span id="karma-9162-up" style="font-size:12px; color:#009933;">0</span>&nbsp;<img style="padding: 0px; border: none; cursor: pointer;" onmouseover="this.width=this.width*1.3" onmouseout="this.width=this.width/1.2" id="down-9162" src="http://www.boris-johnson.com/wp-content/plugins/comment-rating/images/1_14_down.png" alt="Thumb down" onclick="javascript:ckratingKarma('9162', 'subtract', 'www.boris-johnson.com/wp-content/plugins/comment-rating/', '1_14_')" title="Thumb down" /> <span id="karma-9162-down" style="font-size:12px; color:#990033;">0</span></p>]]></content:encoded>
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		<title>By: Steven L</title>
		<link>http://www.boris-johnson.com/2006/03/16/shared-appreciation-mortgages/comment-page-1/#comment-9161</link>
		<dc:creator>Steven L</dc:creator>
		<pubDate>Wed, 22 Mar 2006 00:47:54 +0000</pubDate>
		<guid isPermaLink="false">http://80.82.117.242/?p=254#comment-9161</guid>
		<description>Nice one Psimon, looks like sterling advice to me.

It&#039;s a shame government departments that give consumer advice don&#039;t have the conviction to say this more proactively.  What is it with this government and the banks? Anyone any ideas?

There&#039;s another web link worth reading if you&#039;re interested.  It&#039;s a press release from the OFT about their investigations into penalty charges.  There was a big Treasury Select Committee meeting (is meeting the right word?) about it where the banks basically refused to give them any details about the charges because it was &#039;sensitive&#039;.  The problem with the OFT is that although they have good intentions, they come under the DTI, and like I say there seems to be something about this government and the banks.

The link is &lt;a href=&quot;http://www.oft.gov.uk/News/Press+releases/2005/135-05.htm&quot; rel=&quot;nofollow&quot;&gt;http://www.oft.gov.uk/News/Press+releases/2005/135-05.htm&lt;/a&gt;

</description>
		<content:encoded><![CDATA[<p>Nice one Psimon, looks like sterling advice to me.</p>
<p>It&#8217;s a shame government departments that give consumer advice don&#8217;t have the conviction to say this more proactively.  What is it with this government and the banks? Anyone any ideas?</p>
<p>There&#8217;s another web link worth reading if you&#8217;re interested.  It&#8217;s a press release from the OFT about their investigations into penalty charges.  There was a big Treasury Select Committee meeting (is meeting the right word?) about it where the banks basically refused to give them any details about the charges because it was &#8216;sensitive&#8217;.  The problem with the OFT is that although they have good intentions, they come under the DTI, and like I say there seems to be something about this government and the banks.</p>
<p>The link is <a href="http://www.oft.gov.uk/News/Press+releases/2005/135-05.htm" rel="nofollow">http://www.oft.gov.uk/News/Press+releases/2005/135-05.htm</a></p>
<p>Rate This: <img style="padding: 0px; border: none; cursor: pointer;" onmouseover="this.width=this.width*1.3" onmouseout="this.width=this.width/1.2" id="up-9161" src="http://www.boris-johnson.com/wp-content/plugins/comment-rating/images/1_14_up.png" alt="Thumb up" onclick="javascript:ckratingKarma('9161', 'add', 'www.boris-johnson.com/wp-content/plugins/comment-rating/', '1_14_');" title="Thumb up" /> <span id="karma-9161-up" style="font-size:12px; color:#009933;">0</span>&nbsp;<img style="padding: 0px; border: none; cursor: pointer;" onmouseover="this.width=this.width*1.3" onmouseout="this.width=this.width/1.2" id="down-9161" src="http://www.boris-johnson.com/wp-content/plugins/comment-rating/images/1_14_down.png" alt="Thumb down" onclick="javascript:ckratingKarma('9161', 'subtract', 'www.boris-johnson.com/wp-content/plugins/comment-rating/', '1_14_')" title="Thumb down" /> <span id="karma-9161-down" style="font-size:12px; color:#990033;">0</span></p>]]></content:encoded>
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		<title>By: Psimon</title>
		<link>http://www.boris-johnson.com/2006/03/16/shared-appreciation-mortgages/comment-page-1/#comment-9160</link>
		<dc:creator>Psimon</dc:creator>
		<pubDate>Tue, 21 Mar 2006 23:10:49 +0000</pubDate>
		<guid isPermaLink="false">http://80.82.117.242/?p=254#comment-9160</guid>
		<description>I found this site &lt;a href=&quot;http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1141050760,24632&quot; rel=&quot;nofollow&quot;&gt;http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1141050760,24632&lt;/a&gt; very handy for reclaiming money from banks.


</description>
		<content:encoded><![CDATA[<p>I found this site <a href="http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1141050760,24632" rel="nofollow">http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1141050760,24632</a> very handy for reclaiming money from banks.</p>
<p>Rate This: <img style="padding: 0px; border: none; cursor: pointer;" onmouseover="this.width=this.width*1.3" onmouseout="this.width=this.width/1.2" id="up-9160" src="http://www.boris-johnson.com/wp-content/plugins/comment-rating/images/1_14_up.png" alt="Thumb up" onclick="javascript:ckratingKarma('9160', 'add', 'www.boris-johnson.com/wp-content/plugins/comment-rating/', '1_14_');" title="Thumb up" /> <span id="karma-9160-up" style="font-size:12px; color:#009933;">0</span>&nbsp;<img style="padding: 0px; border: none; cursor: pointer;" onmouseover="this.width=this.width*1.3" onmouseout="this.width=this.width/1.2" id="down-9160" src="http://www.boris-johnson.com/wp-content/plugins/comment-rating/images/1_14_down.png" alt="Thumb down" onclick="javascript:ckratingKarma('9160', 'subtract', 'www.boris-johnson.com/wp-content/plugins/comment-rating/', '1_14_')" title="Thumb down" /> <span id="karma-9160-down" style="font-size:12px; color:#990033;">0</span></p>]]></content:encoded>
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		<title>By: Steven L</title>
		<link>http://www.boris-johnson.com/2006/03/16/shared-appreciation-mortgages/comment-page-1/#comment-9159</link>
		<dc:creator>Steven L</dc:creator>
		<pubDate>Tue, 21 Mar 2006 23:04:21 +0000</pubDate>
		<guid isPermaLink="false">http://80.82.117.242/?p=254#comment-9159</guid>
		<description>Here&#039;s an idea.

Sue the banks for your penalty charges.  When they try to sting you for going a couple of quid over your limit, or paying your bill two days late, whack county court claim in for it.  Many people think the contract terms they use are unfair.

Okay, the small claims court can be a lottery but if everyone tried to claim they&#039;d soon stop.  They have to pay their solicitors £100 per hour preparation and attendance, they can&#039;t usually claim it all back, even if they win.  What do you think they will do when every Tom, Dick and Harry starts threatening to sue them?

Maybe people should start sticking up for themselves a bit more and not relying on everyone else to do everything for them all the time; and then complaining when nothing happens.  Another symptom of the nanny state methinks.

</description>
		<content:encoded><![CDATA[<p>Here&#8217;s an idea.</p>
<p>Sue the banks for your penalty charges.  When they try to sting you for going a couple of quid over your limit, or paying your bill two days late, whack county court claim in for it.  Many people think the contract terms they use are unfair.</p>
<p>Okay, the small claims court can be a lottery but if everyone tried to claim they&#8217;d soon stop.  They have to pay their solicitors £100 per hour preparation and attendance, they can&#8217;t usually claim it all back, even if they win.  What do you think they will do when every Tom, Dick and Harry starts threatening to sue them?</p>
<p>Maybe people should start sticking up for themselves a bit more and not relying on everyone else to do everything for them all the time; and then complaining when nothing happens.  Another symptom of the nanny state methinks.</p>
<p>Rate This: <img style="padding: 0px; border: none; cursor: pointer;" onmouseover="this.width=this.width*1.3" onmouseout="this.width=this.width/1.2" id="up-9159" src="http://www.boris-johnson.com/wp-content/plugins/comment-rating/images/1_14_up.png" alt="Thumb up" onclick="javascript:ckratingKarma('9159', 'add', 'www.boris-johnson.com/wp-content/plugins/comment-rating/', '1_14_');" title="Thumb up" /> <span id="karma-9159-up" style="font-size:12px; color:#009933;">0</span>&nbsp;<img style="padding: 0px; border: none; cursor: pointer;" onmouseover="this.width=this.width*1.3" onmouseout="this.width=this.width/1.2" id="down-9159" src="http://www.boris-johnson.com/wp-content/plugins/comment-rating/images/1_14_down.png" alt="Thumb down" onclick="javascript:ckratingKarma('9159', 'subtract', 'www.boris-johnson.com/wp-content/plugins/comment-rating/', '1_14_')" title="Thumb down" /> <span id="karma-9159-down" style="font-size:12px; color:#990033;">0</span></p>]]></content:encoded>
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		<title>By: Mark Gamon</title>
		<link>http://www.boris-johnson.com/2006/03/16/shared-appreciation-mortgages/comment-page-1/#comment-9158</link>
		<dc:creator>Mark Gamon</dc:creator>
		<pubDate>Tue, 21 Mar 2006 17:56:10 +0000</pubDate>
		<guid isPermaLink="false">http://80.82.117.242/?p=254#comment-9158</guid>
		<description>Raincoaster...

Thank you. I will check him out.
</description>
		<content:encoded><![CDATA[<p>Raincoaster&#8230;</p>
<p>Thank you. I will check him out.</p>
<p>Rate This: <img style="padding: 0px; border: none; cursor: pointer;" onmouseover="this.width=this.width*1.3" onmouseout="this.width=this.width/1.2" id="up-9158" src="http://www.boris-johnson.com/wp-content/plugins/comment-rating/images/1_14_up.png" alt="Thumb up" onclick="javascript:ckratingKarma('9158', 'add', 'www.boris-johnson.com/wp-content/plugins/comment-rating/', '1_14_');" title="Thumb up" /> <span id="karma-9158-up" style="font-size:12px; color:#009933;">0</span>&nbsp;<img style="padding: 0px; border: none; cursor: pointer;" onmouseover="this.width=this.width*1.3" onmouseout="this.width=this.width/1.2" id="down-9158" src="http://www.boris-johnson.com/wp-content/plugins/comment-rating/images/1_14_down.png" alt="Thumb down" onclick="javascript:ckratingKarma('9158', 'subtract', 'www.boris-johnson.com/wp-content/plugins/comment-rating/', '1_14_')" title="Thumb down" /> <span id="karma-9158-down" style="font-size:12px; color:#990033;">0</span></p>]]></content:encoded>
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		<title>By: raincoaster</title>
		<link>http://www.boris-johnson.com/2006/03/16/shared-appreciation-mortgages/comment-page-1/#comment-9157</link>
		<dc:creator>raincoaster</dc:creator>
		<pubDate>Tue, 21 Mar 2006 16:45:37 +0000</pubDate>
		<guid isPermaLink="false">http://80.82.117.242/?p=254#comment-9157</guid>
		<description>Oh, I think people used to just go off and starve; at least now they can email their MPs!

Have you heard that the New York Library system has made it mandatory to have a library card to use their computers? Sounds perfectly reasonable, except that you need a HOME address, proven by receipts (ie shelters, etc do not qualify) to get a library card. Now the homeless cannot even email their representatives, never mind conduct a jobhunt or research shelter options.

There are some very articulate people living without shelter at the moment. For an example, you may want to take a look through the archives of &lt;a href=&quot;http://thehomelessguy.blogspot.com/&quot; rel=&quot;nofollow&quot;&gt;The Homeless Guy&lt;/a&gt;, who, although no longer homeless, spoke for many and continues to speak out against the vicious cycle of marginalization of the already disadvantaged. He wrote most of that in public libraries, and it&#039;s a valuable resource.
</description>
		<content:encoded><![CDATA[<p>Oh, I think people used to just go off and starve; at least now they can email their MPs!</p>
<p>Have you heard that the New York Library system has made it mandatory to have a library card to use their computers? Sounds perfectly reasonable, except that you need a HOME address, proven by receipts (ie shelters, etc do not qualify) to get a library card. Now the homeless cannot even email their representatives, never mind conduct a jobhunt or research shelter options.</p>
<p>There are some very articulate people living without shelter at the moment. For an example, you may want to take a look through the archives of <a href="http://thehomelessguy.blogspot.com/" rel="nofollow">The Homeless Guy</a>, who, although no longer homeless, spoke for many and continues to speak out against the vicious cycle of marginalization of the already disadvantaged. He wrote most of that in public libraries, and it&#8217;s a valuable resource.</p>
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