Rachel Gooden

346 posts

Rachel Gooden

Rachel Gooden

@rachgooden

Mum to one. .. loves all reality shows...xx

Katılım Nisan 2009
224 Takip Edilen30 Takipçiler
Rachel Gooden
Rachel Gooden@rachgooden·
@Tesco no correspondence about my on line order this morning, can’t get through to anyone… what is going on???
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Rachel Gooden
Rachel Gooden@rachgooden·
@LordOrk This is insane! Both my parents, ages 78 and 84 don’t have smart phones. They couldn’t work them and wouldn’t want to!!
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JELLY HEAD
JELLY HEAD@LordOrk·
Gran fined £160 ticket because she didn't have parking app - refuses to pay Despite explaining machine was broken, was told she should’ve downloaded the app “I'm making a stand for older generation who are being excluded because they don't have an app" dailyrecord.co.uk/news/uk-world-…
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Arsenal
Arsenal@Arsenal·
Our captain ❤️ 🏆 Odegaard joins Saka among the nominees for the Men’s Ballon d’Or
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Arsenal
Arsenal@Arsenal·
We're so proud of you, Bukayo ❤️ 🏆 Saka has been nominated for the Men's Ballon d'Or
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Rachel Gooden
Rachel Gooden@rachgooden·
@MartinSLewis This is really worrying for us… we’re on a fixed 1.15% until end august 23. Really don’t know the best thing to do at this time. Either way, we’re going to have to find money we just don’t have!
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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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Luton Town FC
Luton Town FC@LutonTown·
Yes, Rob did sing Bon Jovi yesterday 😂 #COYH
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Rachel Gooden
Rachel Gooden@rachgooden·
@SubwayUK why can’t I just get a chicken salad anymore? I don’t want the version you have made up… I want my own version?!! Why limit your menu like this now??
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talkSPORT
talkSPORT@talkSPORT·
Describe this Arsenal performance in one word
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MAFS Hysteria
MAFS Hysteria@MAFShysteria·
‘I won’t spend another moment of my life restricted. Not by my illness … and certainly not by you. To put it plainly, stay in your lane and I’ll stay in mine.’ GO LYNDALL!!!🔥🔥🔥#MAFSAU🤵🏾
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British Gymnastics
British Gymnastics@BritGymnastics·
Rebecca Downie is your 2023 Artistic Senior British Uneven Bars Champion 🏆 She scored 14.350 with this huge routine! Huge congratulations, Becky! Follow live streams & scores from the competition on the BG Score App & our event webpage 👉 bit.ly/3K9KVsQ #2023British
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