Why are we in so much misery?

I view the news with trepidation because everywhere there is bad news. We have huge problems with our economy courtesy of the incompetent banks and the incompetent Labour party but it goes much further than that. Our social structure is under threat. Education has badly let our kids down. The schools are an alien authority. We really have no idea what is being poured into the ears of our kids and grandkids.

What I know for sure is that my well brought up grandchildren are being exposed to a culture and a behaviour which normally they would have no access to.  My grandchildren are 9 and 7 and routinely at school they hear the 'F' word and the 'C' word from kids who have little family discipline.

Elsewhere we have prices rising out of control for the Paying Class. I spent £40 today on diesel and the needle barely rose above halfway. That means that the Paying Class will soon be reduced to essential journeys only.

The Tax authorities have broken down... and I know personally that they cannot write a decent letter or explain their calculations. They take two months to reply to a query and then expect us to be compliant but if we are compliant then we lose money that we can't afford to lose. They are useless.

The banks routinely make errors. Try complaining, try asking for an investigation, even try to speak to someone who has an iota of common sense and you are rebuffed. My wife was recently told by a Customer Service operator at Santander that he could not access 'that screen'! The very screen which apparently could solve the problem!

Even the AA have developed a new marketing strategy. Last year I swopped my car insurance to the AA and as a reward I got automatic membership. I didn't need it because I was already with Green Flag but to my regret I didn't reject it. Last week I got my membership renewed but this time it  cost me almost fifty quid! What a con guys! A nice honest marketing ploy from a really honest company... I don't think!

What is happening to this country? We are under attack from all sides and yet we never consider a revolution, we never consider a public protest, we are so complacent that we cannot be bothered to protect our grandchildren. I only hope that when they are old enough they will take to the streets and cry 'We have had enough' but then don't expect them to look after you in your old age...because you don't deserve it!

You have created this culture because you are indolent, complacent and arrogant. We deserve what we get. Years ago we had the 'Tolpuddle Martyrs', the 'Jarrow Marchers', and the 'Suffragettes' today we have drunken kids, drug addicts, corrupt politicians, useless Civil Servants, absent police, non existant social workers, greedy bankers, corrupt Trade Unions, dirty hospitals, overpriced trains, high taxes, poor welfare, terrible education and a European Union which is probably responsible for all of this...do I need to go on?

If you deserve the support of your kids in your old age and... you will need them...then get your arse into gear and start challenging the Political Class and the Bonus Class!

Abbey National

It is disconcerting, to say the least, to see major financial institutions like Lehmans in the USA collapsing like a pack of cards. This was the fourth largest bank in America and yet they had fouled up so badly that they are now bankrupt. Who could possibly be that incompetent? Who could make such poor decisions that they could lose their employer billions of dollars? How can a bank's internal checks be so poor that nobody picks up on the danger?

Remember that guy Nick Leason who brought down his bank because he was not monitored properly? Remember Northern Rock who are costing the public millions? What the hell is going on with our High St banks and building societies?

I ask the question because I received a statement this morning in the post from good old Abbey National! Remember my posts months ago when I recorded that I had opened a current account with them but after their blatant lies my wife and I decided to close the account and revert to the NatWest! Remember when I blogged that the first thing they do is 'lend' you £1000 so that they can charge you interest because they do not inform give your income providers that you have changed accounts?

Well I have written to them, I have telephoned them and I have physically visited the branch with my wife so that we can close this account. We stood at the counter and signed all the forms and were assured that this account had now been closed. Today we received a statement telling us that we are still being charged on an account that is now defunct! It is incomprehensible that we cannot close this account. These banks are so criminally inefficient that it is hardly surprising thaT that they are collapsing all over the place.

Greed has replaced good business practice. Two years ago they were throwing money at anyone who would sign for a credit card and now they won't support the most honest of applicants for financial assistance. Consequently the Housing Market is on the point of collapse because very few people can negotiate a mortgage.

Now this is why most of the electorate have lost faith in government. They have allowed nonsense to supercede prudence. They have allowed the financial institutions to cheat the public at every opportunity. They promise us everything and when they gamble our money away on the Stock Exchange they respond with a shoulder shrug! Whoops! Sorry folks we can't fulfill our promises but tough shit because nobody can make us pay you what we owe you! It is happening everywhere and there is no legislation which will force them to be accountable for their folly.

If Good old Gordon had any balls at all he would bring them into line now but hell that is why we all loathe him. He is a coward who could not face anyone down. He built his reputation on allowing the Bank of England to control interest rates and look what is happening. The rates are rising almost uncontrollably.

Until we get some common sense at national levels I wonder what I personally can do? Do I take out legal action against a multinational corporation (licensed to cheat the public) over a couple of quid that I do not owe them or do I let it build until it is a serious amount? Can anyone advise me?

There is only one message - DO NOT TRUST ANY OF THE HIGH STREET BANKS!