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Ideas to fight debt counselling fund closing?
Comments
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The government should provide constructive advice to citizens on issues when they are in hardship. It should NOT enable and passively encourage financial imprudence, debt and bankruptcy.
A family being kicked out of their house because they cannot pay their debts is not hardship?'Just think for a moment what a prospect that is. A single market without barriers visible or invisible giving you direct and unhindered access to the purchasing power of over 300 million of the worlds wealthiest and most prosperous people' Margaret Thatcher0 -
I responded on the thread that Sir Paul McCartney and other Saints with a vast overshare of wealth need to grow up and give away 90% of thier overshare to sort these problems. They would still be very rich indeed after such a distribution.
Next time you hear Sting banging on about a cause just keep in your head he does not need £200m in ensnared personal wealth.
Even left wing Tony Benn and Billy Bragg have millions in property and assets, yet they claim to believe in equality and redistribution.
Sickening in fact.
The hypocracy of these champagne socialist do-gooders is breathtaking.
True charity is not about PR strategies.0 -
Irrelevant.
What is being scrapped, please? The CAB or the £25m FIF? Answers on a postcard please.
In some cases, both.
See LJ's link.
Now bendix, it's really great you've done well for yourself but please accept there are some of us (the majority I dare say) who do care about their fellow citizens.
Sure, plenty got into trouble because of their own fault, irresponsible behavior and plain stupidity. Still they deserve assistance.
You'll probably call it champagne socialism, but I believe in giving people a second chance.
But surely you never ever needed help in your life. It must be great to be perfect.0 -
What do you think funds the way that organisations like the CAB work? What funds the leases on the buildings in which their volunteers (as well as the paid staff) work? What pays the phone bills for the debt advisers writing to creditors? What pays for the heating & other utilitities costs? What pays for the computers & similar used to carry out the work? What pays the public liability insurance that they must have, given the public go onto their premises?Once again, the usual bleedin' heart suspects such as StevieJ and lemonjelly let hyperbole get in the way of facts. This is NOTHING to do with scrapping the CABs, an idea I would not support.
The proposal is to scrap the Financial Inclusion Fund which provides money to the CAB to assist with debt counselling. There is nothing to stop CABs continue to do the other good work they do, including free legal representation as StevieJ suggest
But, hey, why let facts stand in the way of hyperbole?
The government should provide constructive advice to citizens on issues when they are in hardship. It should NOT enable and passively encourage financial imprudence, debt and bankruptcy.
CABx are being scrapped because many LA's see it as an easy way to deal with the budget cuts from central government.
CABx are charities, & they put in bids for funding from sources like PCTs (being disbanded), central government funds like FIF (er, gone - & lest we forget, the decision was supposed to be given in november, but was delayed until this moth - nice one) and local government.
If this funding is removed (which is happening nationwide) they will not be able to offer their services to the public.
Get off your high horse !!!!!! bendix.It's getting harder & harder to keep the government in the manner to which they have become accustomed.0 -
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lemonjelly wrote: »What do you think funds the way that organisations like the CAB work? What funds the leases on the buildings in which their volunteers (as well as the paid staff) work? What pays the phone bills for the debt advisers writing to creditors? What pays for the heating & other utilitities costs? What pays for the computers & similar used to carry out the work? What pays the public liability insurance that they must have, given the public go onto their premises?
CABx are being scrapped because many LA's see it as an easy way to deal with the budget cuts from central government.
CABx are charities, & they put in bids for funding from sources like PCTs (being disbanded), central government funds like FIF (er, gone - & lest we forget, the decision was supposed to be given in november, but was delayed until this moth - nice one) and local government.
If this funding is removed (which is happening nationwide) they will not be able to offer their services to the public.
Get off your high horse !!!!!! bendix.
How ironic. Wasn't it you in another thread today, remarking that Manchester CABs (just one city) had received £8m to open new centres?
CAB funding is NOT being scrapped. FIF funding is.
And quite right too.
Government has many functions in a modern society. Defending the country, providing a police force. Providing an economic infrastructure. Providing a health service, even. Providing a basic level of subistence and support to the most ill, downtrodden and those incapable of supporting themselves.
It is NOT a function of government to provide debt counselling services to people who have been seduced by consumerism and got themselves into a financial pickle.0 -
In some cases, both.
See LJ's link.
Now bendix, it's really great you've done well for yourself but please accept there are some of us (the majority I dare say) who do care about their fellow citizens.
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How dare you suggest i don't care about my fellow citizens?
In my eyes, caring about fellow citizens is NOT about providing mollycoddling services which enable and almost reward irresponsible behaviour.
Caring about people is about teaching tough love.
Which children do better? Those who are pandered to and spoilt and become dependent on their mum's support, or those who are taught respect, responsibility and patience and prudence?0 -
How ironic. Wasn't it you in another thread today, remarking that Manchester CABs (just one city) had received £8m to open new centres?
CAB funding is NOT being scrapped. FIF funding is.
And quite right too.
Government has many functions in a modern society. Defending the country, providing a police force. Providing an economic infrastructure. Providing a health service, even. Providing a basic level of subistence and support to the most ill, downtrodden and those incapable of supporting themselves.
It is NOT a function of government to provide debt counselling services to people who have been seduced by consumerism and got themselves into a financial pickle.
If you re-read my post without your blinkers on, you'll see that I was criticising the way in which organisational funding is done.
Manchester CAB was given £8million, ring fenced for buildings to provide services.
They have to submit seperate bids for funding for posts, IT, staffing overheads etc. Because the funding isn't linked, you can end up with disparities like this.
CAB funding is being cut. Clearly you have no idea how it happens. Every local CAB is an independent charity. It is not a national organisation. Each local charity will apply to the LA, FIF central government, & also to charitable trusts for funding to do their project. Funding is invariably fixed term.
In addition to the FIF funding, LA's are withdrawing funding to CABx. This means they cannot continue to operate. Ergo, they will close.
& by the way, my understanding is statute dictates that LA's must ensure that locals have access to advice & information on issues such as consumer law, money & debt, employment, housing and so on.
Further, by the tone of your post, perhaps government should act to prevent people being seduced by consumerism and getting themselves into a financial pickle. Prevention is better than a cure. Your arguement draws you towards protectionism.It's getting harder & harder to keep the government in the manner to which they have become accustomed.0 -
How dare you suggest i don't care about my fellow citizens?
In my eyes, caring about fellow citizens is NOT about providing mollycoddling services which enable and almost reward irresponsible behaviour.
Caring about people is about teaching tough love.
Which children do better? Those who are pandered to and spoilt and become dependent on their mum's support, or those who are taught respect, responsibility and patience and prudence?
Your posting history indicates that you do not give a fig about other people. Clearly it isn't just wheezy, stevieJ or myself who think that way.
How you have a self image of yourself as a kind loving person is up to you. Unfortunately, it isn't the image others have of you via this message board given your postings.
There are no great universal theories. Tough love will not work in every case. Yes, it is a necessary tool. But not in every case. And there are, and will be people less fortunate, less lucky, and with less life chances than you who suffer through no fault of their own.
It's ok though, cos you don't care.It's getting harder & harder to keep the government in the manner to which they have become accustomed.0 -
Now bendix, it's really great you've done well for yourself but please accept there are some of us (the majority I dare say) who do care about their fellow citizens.
"Socialism, like the ancient ideas from which it springs, confuses the distinction between government and society. As a result of this, every time we object to a thing being done by government, the socialists conclude that we object to its being done at all. We disapprove of state education. Then the socialists say that we are opposed to any education. We object to a state religion. Then the socialists say that we want no religion at all. We object to a state-enforced equality. Then they say that we are against equality. And so on, and so on. It is as if the socialists were to accuse us of not wanting persons to eat because we do not want the state to raise grain." Frederic Bastiat, 1850, The Law, par. L. 102"The state is the great fiction by which everybody seeks to live at the expense of everybody else." -- Frederic Bastiat, 1848.0
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