Article: Bailiff legislation – what a waste of time

I’ve had my experiences with bailiffs in the past and know how difficult it can be.  Upon hearing of new legislative changes though, I got frustrated at what I see as being “mask” conversations.  Bailiffs, gay marriage and our relationship with the EU are not the priority right now.  So I wrote this piece for the Huffington Post.  Enjoy:

4 January 2010 is a day I won’t forget any time soon. On the first working day of the year, I stepped out of my house at 6am and walked straight into an unmarked white van. The van was on my drive and the front of it no more than 3 steps from my door. The man sitting in the car seemed tiny, until his 6ft 5in, 300 million stone frame squeezed out and, almost Ray Winstone-like, snarled “Mr Patel. I’m here to collect £1,850 on behalf of (insert name of big bad bank here)”.

Flattered though I was at the generalisation that someone of my frame could possibly be a Mr Patel, it was a case of mistaken identity. “He doesn’t live here anymore”, I explained. “I bought the house from him 7 years ago”. The bailiff was convinced that I looked like a Mr Patel, so I should stop trying to pull the wool over his eyes, arrange immediate payment or he’ll be noting down the details of my car he intended to take as payment of this debt. Early morning commuters who had to walk around this van and my distressed mother in the house made for a somewhat difficult hour.

So it is welcome news that aggressive bailiff practices will be subject to legislative changes from next year. Among the changes, bailiffs will be prevented from using any physical contact, cannot enter homes where only children are present or set their own fees. Indeed, it is not their arms that have a crippling impact on debtors, it is their “visit charges”. The enforcement industry has called these changes a “small step forward”.

However, the changes being suggested, on the whole, aren’t really new at all. Enforcement law is notoriously complex, with powers differing on the debt in question and the types of creditors using enforcement officers. There is already some legislation in place that details what bailiffs are able to do. The proposed changes are still very light on what the industry itself is after – stronger regulation and a consistent complaints procedure. Although, limiting powers on fee charges is a very important and necessary step.

But critically, in the week Britain faced up to the prospect of a triple-dip recession, this announcement feels like a further admission that current economic policies are failing. Essentially reminding people of their rights when dealing with bailiffs, it is implicitly suggested that more people are expected to fall on hard times.

According to the Bank of England, over £3.4bn of lending to individuals was written off in the second quarter of 2010 – the highest since 2007 to date. With defaults lasting six years on credit files, consumer credit markets – and subsequently consumer consumption – is on a long and slow journey to recovery.

The Council of Mortgage Lenders reported an 18% fall in loans for house purchases and remortgages from August to September 2012 and a further 14% fall in first-time lending over the same period. Persistently difficult borrowing conditions coupled with increasing food, energy and travel prices are further putting the pinch on consumer wallets.

This depresses markets. Consumers need better education about the impact of the last few years on their credit files, managing their bills more effectively and making their money go further. Funding cuts to Citizens Advice Bureaux across the country don’t help. Increased financial prudence may be an unintended consequence for the short and medium-term economy, but with interest rates remaining low, consumers may be more willing to spend.

Personal finance experts, like Martin Lewis, the founder of moneysavingexpert.com whose financial education in schools petition gathered over 100,000 signatures and has led to its place in school curriculums from 2014, should join forces with banks and credit rating agencies to make a similar effort by entering communities and educating consumers.

It is in the consumer’s interest to know their rights when faced with bailiffs. It is in the national interest to ensure consumers can limit their exposure to bailiffs in the first place. I thought it was the national interest that brought this coalition together in the first place?

Article: It’s too easy to ignore the EDL

A normal Saturday afternoon turned somewhat as the EDL marched again in my area in protest against the building of a Muslim community centre in Goodmayes.  “Great article content” I thought!

You can find the original article by clicking here

Waking up later than intended on Saturday morning, I sluggishly made my way to the local barbers knowing I’d have to wait some time before getting my short back and sides. The five-minute walk took longer than usual as I walked headfirst into a carnival.

Chadwell Heath is not a place one would expect to see such a thing, but a sea of people, whistles, trumpets, England flags and chants of “I’m England till I die” made me think our football fans must be desperate if they were that enthusiastic about an U21 game due to take place that evening.

I was welcomed to the carnival with wails of “You fat Paki! Fuck off!” and was grateful for their concern for my health, what with diabetic parents and all, but this seemed to start off a brand new chant – “E-E-EDL! E-E-EDL!”. Of course it is! A nice Saturday morning in Chadwell Heath and the EDL are out in force, waving their flags and chanting their way through to Dagenham. I pinballed my way through, got my haircut and asked my hairdresser about the local gym.

I later heard that a bearded Muslim man was assaulted amid the chanting and the Metropolitan police reported some Asian youths were given the once over further down the road. Why wasn’t I assaulted? Well, I can only assume that when I’ve just woken up and am en route to get a haircut, I probably look like I’ve suffered enough – their compassion is welcome. This is the second march in my local area in the last three months – the previous march congregated at a local restaurant where I saw a little girl who looked under 10 years old leading the EDL chant. This time the crowd was bigger and, with no police liaison, the dangers greater.

The debates and explanations surrounding the EDL and BNP are well rehearsed and repetitive – ranging from “they are racists, pure and simple” to “they are disenfranchised”. All true, but to an extent. The issue in Dagenham is the opening of a mosque in the autumn and much wrangling has taken place over the buyers, the impact on local economic wellbeing and – the buzzword of the last decade – community cohesion.

It is all too easy for local councillors, Hope Not Hate campaigners and national policymakers to pass off a large group of racist thugs as just that. But the seeming frequency of these marches is cause for concern and requires some radical thinking on the part of those that can effect change. The need to engage and address the concerns of the white working classes has been repeated so often, it has taken the feel of a new year’s resolution – there to be said, but never to be met.

Yes, a lot of them are vile and negotiating with fanatics (left or right) is not the easiest of tasks. But, someone needs to take responsibility. The worsening local economic conditions, not just in Dagenham but across the country as a result of “policies nobody voted for” will only exacerbate the sense of injustice and failure this community feels. Granted, the issue with the mosque might have prevailed even in times of economic prosperity, but that should not surprise anyone – local communities will always be fearful of change.

It is a sad indictment of the progress our society has made 10 years on from the Oldham riots that issues such as this are still on the national agenda. Why can’t there be work programmes targeted directly at this community? Why does the Prevent strategy not recognise that a “hard power” approach to terrorism (Islamist or otherwise) or rightwing extremism both misses the point of participants’ concerns and serves to fuel their aggression?

No government can force people to get on with each other, the seeming underpinning of our community cohesion efforts over the last decade. But we can reasonably expect both that people will exercise their right to hold their own values and that they can learn to respect, if not agree with, someone else’s values. Nationally, we should not be afraid to speak up for the kinds of people that are within the EDL’s reach – those genuinely disenfranchised, frustrated souls who bear the brunt of the proposed economic and social policies of the coalition government.

Local engagement is one thing, but a stubborn refusal to enter the debate on the basis of a preconceived stereotype – whether EDL or government – gives no one any bargaining power. Perhaps David Cameron and Theresa May would accept my invitation to set up a stall in the middle of the next EDL march?

Article: Target apathy to stop the BNP

In February 2009, I was given the heave-ho from Barclays Wealth.  It was very hard to take indeed.  I was given 3 months gardening leave and in that time I did three things:

  • I interned for a couple of weeks at Rushanara Ali’s campaign office (who went on to become MP for Bethnal Green and Bow in the 2010 elections).  (To this day, I have no idea what possessed me to do this but it definitely led on to the next thing which was one of the most fruitful decisions of my life to date…)
  • I joined a programme called UpRising, a project of The Young Foundation and;
  • I found a job as a Policy Officer at Redbridge Council

It was through the UpRising programme that I wrote my first article for The Guardian.  We went for a visit to their offices and I followed up with a conversation with the Editor of Comment is Free.  She was fantastic and agreed to read my article.  Luckily for me, she liked it enough to want to publish it and sure enough, 553 comments later, my first proper foray into writing was a definite success and gave me the writing bug.

I’ve posted it below for your reading pleasure – let me know what you think!

You can find the original article by clicking here

I’m normally quite quick-witted. It’s the only way I can deal with the trials and tribulations of being overweight and overenthusiastic about the most mundane things (like writing with a mechanical pencil, because it’s cool). But last year, I was disappointed with my response of “Good observation!” to a group of white youths who took it upon themselves to identify me with their middle finger and wails of “Paki!” At first, I looked round to see who they were talking to. Realising it was me (because the only other person on the road was another young white lad who seemed as shocked as I was surprised), I retorted with the aforementioned comment, and later found myself wondering why people complain about the burka being detrimental to integration when these boys had their heads wrapped in hoodies so tight it’s a wonder their brains ever get any oxygen. Then I parked the incident in the “not so fun” part of my brain.

A few months later, I received a call from my mother that would change my perspective on that particular event. After dropping my brother off to school in Dagenham, four boys confronted her, informed her that she was a “Paki” and advised her to leave the country. Mum had some advice of her own: “Go to school or get a job and leave me alone.” Cue pushing (“I felt like a pinball”), until two strapping black men stepped out of a car and chased the boys away.

It was the first time in over 30 years that my mum was racially abused and, for me, the first time ever.

I moved to Chadwell Heath in Barking and Dagenham – where 12 of the 51 councillors are from the BNP – 10 years ago, only a mile away from the West Ham Utd training ground, and my brother attends one of the most improved schools in the country. My local amenities include a newsagent owned by a Sri Lankan, a Bangladeshi restaurant, a cafe and “chippy” owned by a Turkish family, Pakistani dry cleaners and a closed-down Woolworths. Despite this, Nick Griffin, leader of the BNP, will be standing for election in a ward in the south of the borough at the general election.

Incidents such as those above are few and far between where I live, but they are reportedly steadily increasing across BNP strongholds. And it is this steady increase that is worrying me.

I don’t think it’s a case of people’s eyesight improving and suddenly realising that there are people in this country who are “different” to them. Nor do I think that the BNP are gaining more power among the people (they earned fewer votes in June 2009 than last time round). In fact, speaking to local government colleagues, BNP councillors seem to have very little influence in the committee rooms of local authorities.

Rather, the BNP have been tactically astute in striking when the iron is hot and have invented a new game – politics by immigrant numbers. Your odds of getting a job, that council house, hospital treatment or your children getting a fair amount of attention from their teachers are better if there are fewer people going for that job or council house and fewer children for the teachers to contend with. It’s a simple argument, but an effective one, playing on the concerns of some residents. So long as these key issues – around employment, social housing, and education – remain unaddressed by those in power who can effect change, particularly at the local level, the BNP will have a bouncy castle of a platform. Unplug the castle and the whole thing just deflates.

That’s not to say there are no racist people out there. Of course there are – but in modern Britain where everyone has a voice, there is little space for overt racism. I would argue that it is their political apathy, rather than their racism, that should be the focus of our concerns. For these youths, however racist, are voters of the future. Their political apathy is of no use to anyone – the few discontented who do vote will only push the share of the BNP vote up, as was the case last year.

Local councils have an important role to play in working with local partners and central government to identify ways in which to encourage disaffected communities to engage with society. But its most important role is transparency and communication. Central government has stepped into the domain of transparency with their recent launch ofdata.gov.uk, but at the local level this means very little, especially in a borough where residents are unlikely to use the internet to interrogate government data. Residents want simple questions answered: Will I get a house? Will I have a job? Will my child do alright in school? Is my situation the fault of immigrants? What separates the BNP from other parties is that they seem happy to do the groundwork to answer those questions – no matter how fabricated their answers may be – and, in the absence of an alternative, residents accept what they are presented with.

Fascism has its roots in movements where members feel like they and “their people” are victims. Right now, in Barking and Dagenham, there are a lot of people who are being told they are victims.

After the article was published, I received a call from someone purporting to be a member of staff from The Guardian wanting my bank account details to arrange payment.  I’d watched enough Fonejacker to know that this was clearly illegal.  So I called the Editor reporting the incident who patiently advised me that I was in fact getting paid.  Cue embarrassment but also joy – I’d been paid to write some words!!! I suppose, by definition, this made me a writer…