Letter to the Editor:- "Dog
Dogs Trust is becoming increasingly concerned with the rise of ‘Dog
Control Orders’ being brought in by a number of local
authorities and would like to urge all dog owners to be aware that
there may be significant changes to where their dogs may be
Under the Clean Neighbourhoods and Environment Act 2005, Dog Control
Orders can be made in relation to 5 dog control issues including;
dog fouling, dog ban areas, dogs on leads and multiple dog walking
restrictions. All of which would mean that if a person fails to
uphold any of the above in a designated area it would be classed as
illegal and punishable by a fixed penalty or prosecution.
While Dogs Trust strongly supports the concept of responsible dog
ownership and undertakes significant effort to encourage dog owners
to be responsible, we are concerned that many responsible dog owners
are going to be penalised and suffer for the sins of the
A consultation period will take place before any order is introduced
and will be advertised in the local newspaper. If your readers feel
it is too restrictive then we would advise them to voice their
concerns to the local authority and also Dogs Trust, so that we can
also address the relevant local authorities." Yours sincerely,
Head of Communications,
Fake ID Cards...
Above is a fake ID
confiscated by a local club.
PUBS and night
clubs across the Merseyside area have been reporting to us a rise in
fake ID cards being carried by underage drinkers. One pub showed us
a realistic looking photo driver’s licence. It is only when you look
extremely closely that some of the text looks wrong.
"In low light these ID cards look authentic. It is shocking that the
driver’s licence can be copied, complete with the marked laminate
found on real ID cards. What gave this one away was the lad’s
appearance, which was backed up by the way he spoke. How can we stop
underage drinking when these types of ID are ready available?"
One local club asked us. Another said:- "We get underage
drinkers trying to use fake ID all the time. Sadly they are getting
the ID cards and it worries me that they look so genuine, especially
the photo divers ID cards. What will the new ID cards the government
are bringing in be like, if the drivers licence ones can so easily
Let us know what you think about this topic and how we can tackle
this problem as a region and email us your views today at:-
let us know what you think about this topic and how we can tackle
this problem as a region.
RISE OF THE HALF MILLION POUND MORTGAGE
homeowners who take advantage of lenders’ very high income multiple
offers must take a long hard look into the future to avoid risking
it all, advises broker My Mortgage Direct.
“A young professional couple earning a joint income of
£100,000 could certainly borrow enough; 500k is not unusual these
days, to buy a very desirable property, but should their income
drop for any reason things could fall apart very quickly,”
“Some couples starting a family may take a career break or
have to fund child care which could take a large slice of income.
The relentless rise of property values has led to lenders upping the
amount they are prepared to offer to well-off borrowers who can
prove they can manage the repayments,” said My Mortgage
Direct joint director Cath Hearnden. “But people’s lives
change and they need to fully appreciate the level of financial risk
these deals carry.”
As average borrowing for new homeowners reaches a record level of
3.31 times annual income, according to the Council of Mortgage
Lenders, lenders face increasing levels of criticism for allowing
borrowers to overstretch themselves. In some cases lenders are
prepared to advance up to 6 times annual income.
Northern Rock will lend up to 5.9 times joint income and Abbey, the
UK’s 2nd largest lender, is currently offering a 5 times income
deal. Both Halifax and Nationwide have mortgage packages for 4.5
times and 4.25 income respectively.
guidelines in place for high income multiple mortgage applicants who
are tested for affordability, credit score, borrowing behaviour and
even their parents’ incomes. But whilst these checks ensure
that applicants meet the lender’s repayment criteria, they may not
take into account the possibility of changes of personal
circumstances in the future which make a 6 times salary mortgage
“Lenders’ checks have become far more sophisticated and
thorough but as not all systems are the same it is important to seek
the objective overview of an independent broker.” added
Abbey offers up to 5 times single or joint income to borrowers who
can pay a deposit of 25% or more, or who have a household income of
at least £60,000. Another big-money deal comes from Darlington
Building Society which is offering a 6 times income fixed rate loan
to professional and older borrowers only.
“These deals can be very useful for certain people, but not
for all. Just because someone will lend you the money, it doesn’t
mean that it’s right for you.” said Hearnden.
My Mortgage Direct urges borrowers to take all eventualities into
account when contemplating a high income multiple mortgage and
advises them to seek the help of a professional adviser before
committing to a deal that could lead to financial meltdown.
“We take a very measured approach and are pragmatic as to the
income multiples available. As brokers wanting to secure the best
and most competitive deal for our clients, we talk to a wide
spectrum of lenders. Very high
income multiple deals are useful vehicles for certain borrowers but
for others they can lead down a financial cul-de-sac. The right
advice can help better off borrowers to use their wealth wisely.” said Hearnden.