Top police chiefs cream off cash

“Police chiefs are enjoying a pay and pensions bonanza as council tax is hiked to give their forces an extra £1billion, a Daily Mail investigation reveals today.

Almost two thirds of chief constables from the 39 English police forces earned more than the Prime Minister’s annual pay of £150,402 last year.

They also received an additional total of at least £1.37million in pension contributions in the last two years – with some getting more than £40,000 a year.

This is despite only half receiving a contribution last year, with many of the others’ pension pots thought to have reached the maximum threshold. ”

Tens of thousands of pounds more of public money was also spent on private healthcare, housing and car allowances for senior officers – with one police chief’s package worth nearly £300,000. …..

Police pension schemes include a taxpayer-funded employer contribution of 21.3 per cent of their pay, on top of an officer’s contribution. Ian Hopkins, chief constable of Greater Manchester Police, who has received £92,000 pension contributions over the past two years – as well as a £200,000 salary – claimed the squeeze would force him to cut his officer numbers to the lowest level since 1975. …..

A Home Office spokesman said: ‘It is for the independent Police Remuneration Review Body to consider the appropriate levels of police pay and make recommendations to ministers.’”

https://www.dailymail.co.uk/news/article-6498233/Police-chiefs-enjoy-pay-pensions-bonanza-council-tax-bills-rise.html

Positive ageing

“At the Centre for Ageing Better, we often say that the UK is experiencing a social revolution. People now live much longer than their parents and grandparents did. A child born today has a one in three chance of living to the age of 100 – the advances we’ve seen in longevity are truly incredible.

The problem is, when we talk about the ‘challenges’ of an ageing population, we make it easy to fall in to the trap of focusing on just the problems – such as rising pension and health care costs – and forgetting about the immense opportunity of living longer lives.

For me, it’s important to remember that people in later life contribute massively to the economy – in the UK, there are over 10m over-50s in the workplace. The gross income of households with an individual aged 50+ amounted to 47% of total UK household income in 2014/15. Older people also contribute hugely to society; one in five people aged 50–64 in the UK are carers and around two-thirds of this age cohort make some form of contribution to their communities.

However, too many people are missing out on a good later life. Around 1.8 million households headed by someone aged 50 to State Pension Age are struggling to maintain their living standards and save for retirement. Many people would like to move to a more age-friendly home, but find there isn’t anything suitable near to where they live and are connected to their communities. And while we are living longer, the number of years we can expect to have good health as we age varies greatly depending on where in the country we live.

We need action to respond to and plan for this demographic change across public and private sectors.

Housing – We need more affordable and attractive ways of adapting and improving our homes. Every new home built should be ‘age-proof’ – adaptable and accessible, whatever people’s ages or abilities.

Work – We need to explore how new technologies can support people to manage health conditions in the workplace. Employers need to offer flexible working, training and development or older workers, and change recruitment processes to be inclusive.

Communities – We need good transport links, opportunities to get involved in civic life and places and outdoor spaces to meet people’s needs. We need more places to become Age-friendly Communities and commit to supporting residents to age well.

Health – We need to focus on preventing people from developing the health conditions and disabilities which reduce their quality of life. If we can help people to remain physically active for longer and support them to adopt healthier lifestyles, we can make great strides.

I think that the real challenge is to seize the opportunity of a good later life – and stop thinking about ageing as challenge to overcome.”

https://apolitical.co/question/how-do-we-confront-the-challenges-associated-with-ageing-populations/

“Average UK workers earning a third less than in 2008 – report”

“Research by the Trades Union Congress (TUC) found that the average worker has lost £11,800 in real earnings since 2008.

The UK has suffered the worst real wage slump among leading economies, said the union organisation.

The biggest losses have been in areas including the London borough of Redbridge, Epsom and Waverley in Surrey, Selby in North Yorkshire and Anglesey in north Wales, the studyfound.

Workers have suffered real wage losses ranging from just under £5,000 in the north-east to more than £20,000 in London, said the report.

The TUC general secretary, Frances O’Grady, said: “The government has failed to tackle Britain’s cost-of-living crisis. As a result, millions of families will be worse off this Christmas than a decade ago.

“While pay packets have recovered in most leading economies, wage growth in the UK is stuck in the slow lane.

“Ministers need to wake up and get wages rising faster. This means cranking up the pressure on businesses to pay staff more, especially at a time when many companies are sitting on large profits.”

https://www.theguardian.com/business/2018/dec/14/average-uk-worker-earn-third-less-than-2008-tuc-real-wage-report

East Devon Alliance councillors spur council to decry poverty in East Devon

“The number of people using food banks in the Sid Valley has more than doubled in the last six months.

The Sid Valley Food Bank’s co-ordinator Andie Milne told East Devon councillors on Wednesday night of the alarming numbers of people and the stark rise in numbers of people they are seeing.

She said that six months ago, they were dealing with 15 families a week, but last week, more than 30 families came through their doors, with 36 children being helped.

And she added that last week they helped a family from Axminster as there was no help available in the East of the county for them, and raised concern over what would happen to the emergency food bags located at the council’s Knowle HQ, that sometimes are refilled four times a week, when the council offices move to Honiton early in 2019.

Her comments came prior to the full council unanimously supporting a motion brought forward by Cllr Cathy Gardner, of East Devon Alliance, calling for a report on the potential impacts of benefits changes and spending cuts on people in East Devon and whether there was a need for further support from the council in supporting the roll-out of Universal Credit, homelessness prevention or for local food banks.

Proposing her motion, Cllr Gardner said: “Most of us are doing okay and are comfortable, some are doing extremely well, but some are struggling, and we have a civic duty to see if we can do more. I would be horrified to learn if a child suffered as we failed to something in some way to help.

“I am not criticising the council or the hard work that our officers do to help people but simply to ask if there is anything more that we could do, as we know that people are struggling with Universal Credit.

“If the report says it is all perfect, then we can rest easy, but I want the report to come forward so we can be seen as outstanding, caring and vigilant.”

Cllr Marianne Rixson, supporting the motion, added that some people are being forced to use food banks just to make ends meet, even though they are in employment.

Cllr Eleanor Rylance said that the national picture showed there were 2.5m people living just 10 per cent above the poverty line. She added: “A small reversal of the economy could put 2.5m people below the poverty line in weeks. We all know of people who are struggling and other who could very soon be struggling.”

The motion received unanimous support from across the council chamber, with Conservative councillor Mike Allen said that he really liked the motion and thanked Cllr Gardner for bringing it forward.

He said: “If you work in a food bank, you get to understand how little accidents or small things can trip someone into a poverty – be it a divorce or splitting up with a partner, or a jobs loss, which leads to a massive hole in your income and you cannot afford what you used to take for granted.”

Cllr Jill Elson, portfolio holder for sustainable homes and communities, said that the council worked very closely with food banks across the district and that council staff were currently co-located in the job centres in Exmouth and Honiton to get the 1,013 people in East Devon claiming Universal Credit and were going the extra mile to help them, be it by helping them fill in the forms or giving them food bank credits.”

https://www.devonlive.com/news/devon-news/number-using-food-banks-part-2323249

Court case decides it is legal to re-home London homeless hundreds of miles away

“… The judge said that once London and the south east were eliminated for reasons of housing pressure, the West Midlands appeared the next available pool of supply.

The judge said: “It is, I suppose, theoretically possible that Brent might have been able to find somewhere in East Anglia or the East Midlands that was closer to Brent than Birmingham as the crow flies; but that places an onerous burden on a housing authority. Brent was not required to scour every estate agent’s window between Brent and Birmingham.”

http://localgovernmentlawyer.co.uk/index.php

“Grammar schools given £50m diversity bursary have 2 per cent of pupils from poorer backgrounds”

Colyton Grammar School will receive £490,000.
2.3% of its pupils have free school meals.
15.0% of Axe Valley Academy pupils have free school meals.
11.3% of Exmouth Community college pupils have free school meals.
The national average is 29.1%.
https://www.schoolguide.co.uk/schools/colyton-grammar-school-colyton

“The grammar schools awarded £50m of funding by the government classify just 2 per cent of their admissions as disadvantaged, according to research.

The sixteen schools, which have been given a share of a £50m investment awarded by the government to expand their institutions are said to have some of the worst diversity records in the country, according to the House of Commons library.

Altogether, the funding will create 4,000 more grammar school places from poorer backgrounds.

The pot, which the government said it would provide in May, was criticised for providing a “covert” way to annexe the schools, which were accused of limiting social mobility, reported The Independent.

In order to qualify for the fund, the institutions had to submit plans on how they would try to increase the proportion of poorer pupils, reported The Times.

0.4 per cent of pupils receiving free school meals

The schools applying for the cash had to submit plans on how they would try to increase the proportion of poorer pupils.

One of the schools receiving funds from the government has 0.4 per cent of its pupils receive free school meals.

At Kendrick School, a girls’ grammar in Reading, the figure was in comparison to 9.8 per cent of secondary school pupils receiving school meals across the local authority.

Just 1 per cent of pupils qualified for free school meals at Chelmsford County High School for Girls, in comparison to an Essex-wide figure of 9 per cent, reported The Times. …”

https://inews.co.uk/news/education/grammar-school-funding-diversity-50m/amp/

Tory MP blocks BBC journalist who quoted his exact words about food banks to expose his hypocrisy

“Conservative MP Dominic Raab has blocked a BBC journalist on social media after she repeated his comments about food banks.

The former Brexit Secretary posted a photo in which he posed with food bank volunteers in his Esher and Walton constituency. He wrote: “Thank you to Tesco in Molesey and the Trussell Trust for partnering to encourage customers to generously provide food collections for families in our community, who are struggling at this time of year.”

In response, Victoria Derbyshire quoted verbatim previous remarks made by Mr Raab in the run-up to the 2017 general election. She reminded him he had previously blamed the rising reliance on food banks on those who had a “cash flow problem”, insisting they were not “languishing in poverty”.

The journalist soon found herself blocked from following Mr Raab’s Twitter account. Ms Derbyshire tweeted: “I repeated verbatim what Mr Raab said about people who use food banks..”

On Victoria Derbyshire’s 2017 debate show, Mr Raab had said: “I’ve studied the Trussell Trust data. “What they tend to find is the typical user of a food bank is not someone that’s languishing in poverty, it’s someone who has a cash flow problem episodically.”

Food bank charity the Trussell Trust handed out a record 1.3million emergency parcels in 2017, with 41 per cent of recipients putting their need down to delays and changes in their benefits.”

https://inews.co.uk/news/dominic-raab-blocks-victoria-derbyshire-twitter-food-banks/

Pub chain owner denies tweet that Universal Credit allows him to push zero-hours contracts

Probably not the best PR for a wealthy businessman to be seen publicly boasting about how he is happily using taxpayers’ money to subsidise his staff wages.

So it’s a bit strange to see this tweet from the DWP quoting the MD and owner of pub chain Whiting and Hammond bragging about how so very little he pays his staff that his workers have to rely on Universal Credit to get by. …”

https://tompride.wordpress.com/2018/12/09/pub-chain-owner-denies-using-taxpayer-money-to-subsidise-wages-in-public-row-with-dwp-over-universal-credit/

“Pensioner poverty rises as benefits freeze bites”

“Declining home-ownership and rising rents mean that one in six may have to choose between food and heat, warns Joseph Rowntree Foundation.

One in six pensioners is now living in poverty as a result of declining home ownership, soaring rents and the benefits freeze, the Joseph Rowntree Foundation has warned. Pensioner poverty is rising, having fallen steadily for nearly two decades, the charity said. The figures prompt fears that many pensioners will be forced to choose between paying for heating and buying food this winter, as benefits remain frozen below inflation for the third year in a row.

The foundation’s chief executive, Campbell Robb, said: “Pensioner poverty is a problem that we thought had gone away.”

The incidence had halved over 20 years, but began rising again in 2012-13. By 2016-17, 16% of pensioners were living in poverty, rising to 31% among those in social housing and 36% among private renters. Poverty here is “relative poverty” – an income of less than 60% of the median among pensioners, after housing costs.

Robb said: “For middle-aged people who have been struggling over the past few years, who don’t have many savings and don’t own their own home, the prospect of being a pensioner is very challenging.” The “golden age” when people enjoyed rising home-ownership and well-paid work was coming to an end, he added. About 20% of all pensioners rent their home, and the proportion is growing.

The problem is compounded by the benefits freeze, in place since 2016. “As rent goes up faster than housing benefit, pensioners have a huge gap to fill,” Robb said. “This tips people into poverty, and forces them to choose between food and heating.”

Figures published by the Institute for Fiscal Studies this year reveal that relative poverty among pensioners has risen in the past five years, while “absolute poverty” – an income of less than 60% of what the median of the general population was in 2010-11 – has fallen by just 1%. By comparison, absolute pensioner poverty fell by 12% between 2002-03 and 2007-08, and by 3% between 2007-08 and 2011-12.

The foundation called on the government to end the benefits freeze and to build genuinely affordable housing. “These figures are part of a wider increase in poverty across all age-groups,” said Robb. “If we don’t tackle the causes now, we fear that we are going to see poverty – particularly among pensioners – rise even more.”

https://www.theguardian.com/society/2018/dec/09/pensioner-poverty-rises-bnefites-freeze

“The Government Thinks No-one Will Notice Their Devastation Of Local Government – We Won’t Let That Happen”

“Unless this Government changes tune, elderly people will be lonelier, disabled people will get sicker, vulnerable children will fall through the net.

Despite unprecedented pressure and growing warnings, Councils are bracing themselves for the biggest cuts they’ve had to face since 2010. That is the prospect of the Tories’ local government settlement set to be announced.

The past eight years have seen councils forced to make cuts – but they’ve reached the end of the line, with so-called “non-essential services” being cut to the bone, leading to even deeper reductions to the services that we all rely on like street cleaning, libraries, and children’s centres, and to many of the preventative services that previously reduced the pressure on the NHS and police.

So severe and urgent is the crisis facing our councils, that the UN’s special Rapporteur on extreme poverty and human rights mentioned it in the opening paragraph of his recent report, saying that local authorities had been “gutted by a series of government policies”.

Despite all the warnings, the Government will announce a further 36 per cent cut to local government funding, the largest annual deduction in almost a decade.

Councils of all parties are facing a funding crisis with devastating effects on key public services – children at risk, disabled adults and vulnerable older people – and the services we all rely on, like clean streets, libraries, and children’s centres.

In one of the wealthiest countries in the world, this is an unacceptable position to be in. It is a national scandal that 1.4 million older people are now not getting the necessary help to carry out essential tasks such as washing themselves and dressing – up 20% over the last two years. The deterioration of social care alone will fundamentally damage the fabric of society as we know it. Huge amounts of money have been taken out of the system, despite obvious rising demand.

This is a crisis of the Tories’ creation, but as ever they are pushing the blame on to councils, communities, carers and families. Our councils were the first target when the coalition government came into power, losing 60p out of every £1 that the last Labour Government was spending on local government in 2010.

As a result of these cuts, the Tory-led Local Government Association is predicting that next year, councils will be facing a funding gap of £3.9 billion just to maintain current services, including £1.5 billion gap in adult social care funding.

Instead of showing the leadership that is needed in this crisis, the Government continues to put sticking plaster after sticking plaster, on what is now, an open wound.

Previous local government settlements under this Tory government have been unacceptable, unfair and unhelpful. Unless this Government changes tune, elderly people will be lonelier, disabled people will get sicker, vulnerable children will fall through the net, and our communities will become more unpleasant, unsafe and unattractive places to live. All councils are now reaching breaking point and short term sticking plasters will not keep the wolves from the door for much longer.

Andrew Gwynne is the Shadow Secretary of State, Communities & Local Government and Labour MP for Denton & Reddish”

https://www.huffingtonpost.co.uk/entry/local-council-cuts_uk_5c07d022e4b0a6e4ebda854a

Grants to facilitate people with disabilities to put themselves forward for office

“People with disabilities are to be offered thousands of pounds to help them run for elected office in next year’s council elections as part of an effort to tackle under-representation in town halls.

Grants averaging £4,000 will be made available to some to cover costs of campaign expenses including specialist transport, screen reader software, sign language interpretation and braille transcription.

Only 10% of councillors have a disability, compared with about 20% of the UK population. The government is offering £250,000, which is expected to fund around 60 candidates. [The Guardian]

The Access to Elected Office fund provided such grants since its launch as a pilot in 2012 under the Coalition government, but after the 2015 general election the Conservatives put it into limbo.”

https://www.markpack.org.uk/156796/access-to-elected-office-fund-returns/

Tory grandee says Tories should take blame for increase in poverty and he wants no part in it

“Lord Michael Heseltine has warned MPs against voting to “make this country poorer” in the looming House of Commons vote on Theresa May’s Brexit deal.

In a rousing speech on Wednesday afternoon, the Tory former deputy prime minister told the House of Lords that if it votes for slower economic growth, lower tax revenues and lower public spending “those who will suffer most are those least able to bear the strain”.

“I tell you there are no solutions that help the fortunes of the least privileged in the most stressful circumstances,” said the famously pro-Europe politician.

“When the election comes, it will have been a Tory that led the referendum campaign,” Heseltine continued.

“It will have been a Tory government that perpetuated the frozen living standards.

“It will be a Tory government that is blamed for what we are talking about today.”

“I will have no part of it,” he added. …”

https://www.huffingtonpost.co.uk/entry/michael-heseltine-breixt-theresa-may_uk_5c08293ee4b069028dc61a1e

“School standards dip across the South West – but nurseries and childminders impress Ofsted”

“An annual report published by schools watchdog Ofsted showed, as of August 31 2018, 87 per cent of primary schools in Devon were judged as good or outstanding – a drop of four per cent compared to August 31 2017.

Seventy-six per cent of secondary schools in Devon were judged good or outstanding, a drop of six per cent.

The report said: “By the end of August 2018, 83 per cent of schools in the South West were judged good or outstanding at their most recent inspection, compared with 86 per cent nationally.

“This was a four percentage points decline for the region compared with August 2017.

“For primary schools, 84 per cent in the region were judged to be good or outstanding, a four percentage points decline compared with August 2017 figures. For secondary schools, 73 per cent were judged to be good or outstanding – below the national figure and a six percentage points decline compared with August 2017.” …

https://www.exmouthjournal.co.uk/news/school-standards-dip-across-the-south-west-but-nurseries-and-childminders-impress-ofsted-1-5806946

“130,000 homeless children to be in temporary lodgings over Christmas”

More than 130,000 homeless children will be living in temporary accommodation over the festive period in Britain, the equivalent of five youngsters in every school, according to estimates by the homelessness charity Shelter.

Nearly 10,000 of those will wake up on Christmas Day in bed and breakfasts, hotels or hostels where in many cases their family will have been put up in a single room, sharing bathrooms and kitchens with other residents.

Overall, 50,000 more children in England, Wales and Scotland are homeless compared with five years ago, a rise of 59%, Shelter says. There have been particularly sharp increases in some affluent, high housing cost Tory heartlands in south-east England. …

https://www.theguardian.com/society/2018/dec/05/130000-homeless-children-to-be-in-temporary-lodgings-over-christmas

“HMRC & DWP figures show they cause more money to be lost than benefit fraud does”

“Her Majesty’s Revenue and Customs – HMRC and the Department for work and Pensions – DWP released their estimates of benefit fraud and payments made in error for the 2016/17 financial year.

The figures on benefit fraud AND their errors are somewhat smaller than we are usually led to believe.

HMRC said the total “level of error and fraud favouring the claimant” was £1.32bn which although this sounds high it is in-fact just 4.9% of the total tax credits bill.

More is lost because of their incompetence than fraud

Look at the figures in detail and they debunk the benefit scrounger claim even more.

Errors favouring the claimant was £1.05bn; 3.9% of the total tax credits bill.
Fraud favouring the claimant was £280m; 1% of the total tax credits bill. …”

https://universalcreditsuffer.com/2018/06/22/hmrc-dwp-figures-show-they-are-responsible-for-the-majority-of-lost-money-not-benefit-fraud/

Too poor to flush the toilet

“A disabled mother from Yorkshire says she is so worried about the cost of water that she sometimes has to miss out on washing or flushing the toilet.

Shirley Widdop, from Keighley, whose bill, based on a water meter, has risen by 35%, says: “It’s outrageous and like something from the 1930s.”
“We shouldn’t have to ration water.”

A report on poverty from the Joseph Rowntree Foundation shows that arrears for water bills are now the most common form of debt for the poorest families.

“I am on a water meter and because I’m on a low income I constantly worry about the bill being too high,” says the 51-year-old, who lives with two of her children.

She says it’s embarrassing but wants to raise awareness for many other people in a similar situation “who can’t speak up for themselves”.
The Consumer Council for Water, the watchdog for water consumers, says the number of people being put on to reduced rates for water bills, because they are struggling to pay, has risen by 50% in a year, to almost 400,000. …”

https://www.bbc.co.uk/news/education-46431480

“Nine children in typical class of 30 now living in poverty as levels soar to worst seen in decades, report says”

“A “relentless rise” in the number of working families struggling to make ends meet means more than half a million children in Britain are now trapped in poverty, a damning report has revealed.

In-work poverty is the highest it has been in 20 years and in a typical classroom of 30 children, nine are living in poverty, the Joseph Rowntree Foundation’s state of the nation report says.

Although successive governments have argued work is the fastest route out of poverty, the figures show 8 million people are living in poverty in households where at least one person is already in work.

The alarming figures come after the chancellor Philip Hammond revealed Brexit will make the UK worse off under any scenario.

The government estimates the UK economy could shrink by 3.9 per cent after 15 years under Theresa May’s Brexit plan, compared with staying in the EU.

But a no-deal Brexit could deliver a 9.3 per cent hit, the figures say.

Overall one in five of the UK population (22 per cent) are already in poverty – a total of 14.3 million people, and 56.5 per cent of those in poverty are living in household where someone is in work.

Campbell Robb, chief executive of the Joseph Rowntree Foundation, warned families could be “pushed over the brink”.

He said: “We are seeing a rising tide of child poverty as more parents are unable to make ends meet, despite working. This is unacceptable.

“It means more families are trapped in impossible situations: struggling to pay the bills, put food on the table and dealing with the terrible stresses and strains poverty places on family life.

“It’s time for us to decide what kind of country we want to be. As we leave the EU, we must tackle the burning injustice of poverty and make Britain a country that works for everyone.

“We can do this by taking action on housing, social security and work to loosen the constraints poverty places on people’s lives. No one wants to see more families being pushed over the brink.

“We have an opportunity to fix this and ensure everyone can reach a decent standard of living – it is one we must seize to make the country work for everyone after Brexit.”

In-work poverty has been rising even faster than employment, the report says, and has been exacerbated by many parents working in low paid service industry jobs with little chance of career progression “especially in hotels, bars, restaurants and shops”.

Any gains from the national living wage and tax cuts are often outweighed by changes to tax credits and benefits that top up low wages, while the cost of housing has risen.

To stem the rise in poverty, the report calls for major government investments in affordable housing, ending the freeze on benefits and tax credits, and for employers to help people progress in the workplace.”

https://www.independent.co.uk/news/uk/home-news/child-poverty-in-work-family-joseph-rowntree-foundation-state-of-the-nation-report-a8664891.html

University accommodation providers screwing students

“… Our investigation found that the cost of the cheapest halls at Russell Group universities jumped by an average of 41% between 2008 and 2018, despite maintenance loans rising by as little as 13%. Freedom of Information requests revealed that some of the UK’s brightest students are being priced out of university accommodation all together.”

Source: Waugh Zone, Huffington Post

Thousands of disabled people shafted by “hostile environment ” benefit cuts

“The government has been accused of creating a “hostile environment” for disabled people after it was revealed almost 50,000 have been hit by benefit cuts in the past year.

Analysis by the Labour Party revealed the government’s decision to cut the Employment and Support Allowance (ESA) by almost £30 per week for some new claimants in a bid to encourage more people into work had affected 46,000 sick and disabled people.

The controversial welfare policy – which was introduced in April 2017 – saw ESA payments for those judged fit to work dropped to the same level as the Jobseeker’s Allowance, despite charities including Disability Rights UK warning it would have a “devastating” impact on disabled people and actually make it harder for them to find employment.

Labour’s research found 29,000 of the disabled people hit by the cuts in the past year – around two-thirds of the entire group – suffer from mental or behavioural disorders.

Meanwhile, the party estimated that approximately half a million people will be hit when the cut takes full effect. …”

https://www.huffingtonpost.co.uk/entry/nearly-50000-disabled-people-hit-by-appalling-cut-to-benefits-in-last-year-alone-analysis-reveals_uk_5c0504ede4b0606a15b70525

“Want to shop online? Best have a mobile signal” (so that locks out many rural areas)

“As millions start their Christmas shopping online, there’s a warning that consumers may need to have a mobile phone, and a decent signal, to make sure their transactions go through.

UK banks are starting to introduce a new layer of security, involving passwords sent to your mobile phone.

That could be a problem for hundreds of thousands of householders without a mobile, or no proper signal.

Now banks are being urged to find other ways to check a customer’s identity.
The new rules are part of an EU directive – already adopted by the UK – which is due to come into force by September 2019.

But critics say many people are likely to be inconvenienced.

“Banks are not yet great at looking after people at the margins – because they’re disabled, or because they live with no mobile coverage,” said James Daley, the managing director of Fairer Finance.

“These systems are designed for the 95% – while the remaining 5% are hung out to dry.” …

https://www.bbc.co.uk/news/business-46399707