Approved Food

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Approved Food

Approved Food

@ApprovedFood

UK’s largest online selection of #PerfectlyGood groceries - over 5500 products. Better for your wallet and the environment! for help: [email protected]

Barnsley, England Katılım Ağustos 2009
2K Takip Edilen7.5K Takipçiler
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Approved Food
Approved Food@ApprovedFood·
New Delivery Charges have arrived for a limited time! 🥳 England, Wales and parts of Scotland: 1 box up to 25kg: £3 2 box up to 50kg: £6 3 box up to 75kg: £9 Highland Scotland delivery charges now ONLY £9.00. Costs may vary depending on your location*
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Pam Thornes
Pam Thornes@PamThornes·
Sending love and thanks for continued support of @projectyouthcan to @andyneedham01 and all at @ApprovedFood. Best wishes for a happy and successful 2024 xx
Project Youth Cancer@projectyouthcan

A little elf tells us that the door of Day Eight of our #ProjectChristmas Advent Calendar got jammed stuck! And so we have opened it today with a big thank you to Approved Food for donating the festive staple of any Christmas Gift Box, the chocolate coins! approvedfood.co.uk twitter.com/projectyouthca…

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Martin Lewis
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...
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