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Między dżumą a cholerą

Wybory we Francji to niby nie nasza sprawa, bo to nie Polacy będą za tydzień wybierać prezydenta i pić piwo, które nawarzą. A jednak te wybory nas też dotyczą, choć za mało się o tym mówi. Po prostu po Brexicie znacząco zmienia się układ sił decyzyjnych w strukturach Unii Europejskiej i znaczenie Francji silnie wzrasta.

Jeśli weźmiemy serio słowa Emmanuela Macrona, który nie kryje, że stawia na deal francusko-niemiecki, to resztę możemy sobie tylko dośpiewać. Łatwo nie będzie, a nawet może grozić nam dyktat. Zwłaszcza, że wydmuszka banksterów i socjalistów już podczas kampanii pokazała swoje antypolskie oblicze.

To rzeczywiście obciach, że został wygwizdany przez robotników w swoim rodzinnym Amiens, gdzie właściciel zakładu Whirpool chce zwinąć firmę i przenieść ją do Polski, bo pod Łodzią skusiły go niższe koszty pracy i lepsze warunki inwestowania. Z tego powodu w Amiens trwa strajk, wykorzystywany w kampanii i przez Macrona i przez Marine Le Pen. Jednak deklarująca zamiar wyprowadzenia Francji z UE Le Pen jest w tej sprawie o niebo bardziej w deklaracjach uczciwa. Namawia Francuzów do tak wyśmiewanego nad Wisłą przez neoliberałów patriotyzmu gospodarczego i obiecuje załodze, że znajdzie dla upadającego zakładu kupca.

A Macron się sypnął. Ten wychowanek banku Rotschildów, wyszedł na cwaniaczka. Zdeklarowany liberał, zagorzały zwolennik Unii, zagrał, by się jeszcze bardziej podobać, antypolską kartą, czym dotknął nas do żywego. Pokazał przy tym jak bardzo jest obłudny, intelektualnie mizerny i w sposób cyniczny okłamuje mniej zorientowanych w funkcjonowaniu UE wyborców. Jego populistyczne wypowiedzi są objawem politycznej schizofrenii, skoro z jednej strony silnie deklaruje prounijność i respektowanie przyjętych w UE zasad – a więc w sposób oczywisty także tak fundamentalnych, jak swoboda przepływu pracowników, towarów, usług i kapitału. Z drugiej – napiętnuje Polskę – która jest gospodarczo po wyjściu z komuny jakieś 30 lat za Francją – za „dumping socjalny i podatkowy”, bo mamy niższe koszty pracy niż bogata Francja, która od siedemnastu lat pozwala sobie na 35 godzinny tydzień pracy.

To niebywałe, bo tym samym ten prounijny Macron kwestionuje zasady funkcjonowania UE i konkurencyjności. Z tych zasad wybiera sobie to, co jest mu wygodne. Napiętnuje nas więc także za opór przeciw przyjmowania nie przez nas zaproszonych imigrantów i wysiłki mające na celu porządkowanie polskiego prawa. Taka wybiórczość jest nie tylko skandalem, bo Macron grozi, że 3 miesiące po jego wyborze Polska zostanie objęta sankcjami – ale pachnie to na odległość totalitaryzmem. Jeśli uwzględnimy fakt, że po Brexicie, Paryż będzie mówił w Brukseli bardziej donośnym głosem, a zapowiadany przez Macrona deal z Niemcami może wymuszać na członkach UE totalitarne rozwiązania, o których się czasem przebąkiwało – takie jak równość podatków i płac – grozi nam, że staniemy się parobkiem Europy.

Leszek Miller uspokaja, że te nękania Polski za „dumping socjalny” to tylko słowa na użytek kampanii wyborczej i polski rząd niepotrzebnie emocjonalnie na to reaguje. Otóż nie, bardzo dobrze, że reaguje. Polska reakcja i nasz sprzeciw odnotowały francuskie media, a „Le Figaro”, nawet w większym materiale informacyjnym. Dopiero teraz nad Sekwaną usiłuje się w sposób przyspieszony wprowadzić debatę na temat dobrych i złych następstw globalizacji. Temat wprowadzony i rozgrywany w kampanii wyborczej Trumpa.

Francja znalazła się w potrzasku. Przeciw Le Pen zmobilizowano wszystkie polityczne siły i media. Nie tylko rzucił się jej do gardła establishment. Legenda francuskiego futbolu Zinedine Zidane, ukochany nad Sekwaną Zizou, apeluje o unikanie Frontu Narodowego jak ognia. Prezydenta Hollande`a, politycznego ojca Macrona, odwiedził nawet „Terminator” Arnold Schwarzenegger. Aparatczycy z Brukseli i Berlina popierają Macrona gorącym sercem, nawet przyklaskuje mu król Europy. Wmawia się ludziom, że Macron zdobędzie 60 procent głosów, a Le Pen nieco ponad 30.

Wczoraj jednak niektórym zrzedły miny, bo za głosowaniem za Marine opowiedział się lider „Francji Wstań”- Nicolas Dupont- Aignan, który był szósty z jedenastki kandydatów, zdobywając w pierwszej turze 4,7% głosów. Z kolei lewak Jean – Luc Melanchon wyczynia szpagaty, nie chcąc wskazać wprost swoim wyborcom, kogo powinni wybierać, choć sam deklaruje, że „nie zagłosuje na Le Pen”. Dziś od rana francuskie media donoszą, że Le Pen i Macron idą łeb w łeb.

Spora część Francuzów mówi, że wybór jest niemożliwy, bo to wybór miedzy dżumą i cholerą. Głosowanie na Macrona to jak wysłanie czeku in blanco, głosowanie na powierniczy produkt handlowy. Francję oplotły nie tylko afisze z podobiznami dwójki kandydatów, ale i transparenty:„Ani Le Pen, ani Macron”. „Ni banquier. Ni Raciste”. „Dosyć szantażu wobec głosowania”. Wiele osób zapowiada, że pójdzie do wyborów na znak sprzeciwu oddać „pusty głos”. Socjolodzy i politolodzy przewidują, że zwycięstwo Le Pen jest gwarancją „wariantu ulicznego”.

Francja pękła na pół. Wielkie miasta głosują na Macrona, konserwatywna z natury rzeczy prowincja – na Le Pen. Nie ma nikogo, kto by scalił obie części. Skąd my to znamy?

Alicja Dołowska

Jeżeli podobają Ci się materiały publicystów portalu Prawy.pl wesprzyj budowę Europejskiego Centrum Pomocy Rodzinie im. św. Jana Pawła II poprzez dokonanie wpłaty na konto Fundacji SOS Obrony Poczętego Życia: 32 1140 1010 0000 4777 8600 1001. Pomóż leczyć ciężko chore dzieci.

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In truth, most homeowners will be able to obtain a remortgage deal, even with a number of credit issues on their record, such as: Missed or Late Payment Debt Management Plan Discharged Bankruptcy Defaults (a series of missed payments) County Court Judgments (CCJs) Individual Voluntary Arrangement (IVA) Every case is judged upon its own individual merits, which means we can’t guarantee remortgaging with bad credit will be possible. However, having said that, while each adverse credit event represents a black mark on a person’s credit record and has an impact on their credit score, none of them should be considered an immovable barrier to obtaining a remortgage deal. Can I get a bad credit mortgage? We Can Help Today How does a credit score work? Your credit score is the result of an assessment of financial and other information gathered about you by Experian, Equifax and Callcredit – the three main credit reference agencies that operate in the UK. They get their information from two main sources: other lending companies that have agreed to share data about their customers, and public records. Lending companies share information including how much a customer is in debt to them, how promptly they pay their bills, and if they pay in full, and whether their credit cards are maxed out. The information gathered from public records includes details of adverse credit events such as CCJs, bankruptcies and IVAs, plus information held on the electoral roll. High street lenders interpret this data in line with their own criteria and arrive at a credit score, based on which they will say ‘yes’ or ‘no’ to a remortgage application. If the decision isn’t clear cut, they might say ‘yes’, but charge higher fees and/or a higher rate of interest. They do this for two reasons; to offset what they see as an additional risk and because they know they can, as borrowers with a poor credit rating have fewer options than those with an exemplary record. What is my credit rating? Finding our your credit rating is easy. Find out your credit report Adverse credit events stay on a person’s record for six years, after which they are removed. In the majority of cases, even if the six year period isn’t up yet, the further in the past something is, the less impact it will have on your credit score and therefore on a lender’s decision. However, even after they have ‘dropped off’ the record, if you are asked about certain types of adverse credit event – such as a previous bankruptcy or property repossession – you must declare it. While there are options available to those with an adverse credit score looking to remortgage a property, it is always recommended that you look to improve your credit score wherever possible. How does a credit score work? There are some positive steps you can take that will improve your situation and encourage lenders to look more favourably upon your application. Arguably the most important thing you can do is to improve your credit score. Improving your credit score is a continuous process, not something that can be achieved overnight – you must persevere with it to get results. However, if you are taking the right steps, you will soon begin to see some small improvements. Having a healthy credit score will make a huge difference to your future financial dealings. We always recommend speaking to a qualified adviser with regard to putting together a plan to improve your credit score; however, there are some immediate actions you can take to put your credit rating back on track. These include: Get a copy of your credit report from each of the UK’s three credit reference agencies – Experian, Equifax and Callcredit – and check that the details they hold are correct (they may hold different details, so do get your report from all three, not just one) Regularly update the personal details held on your credit report Make sure you are registered on the electoral roll Keep track of your credit card balances; ideally try to always pay more than the minimum to drive the balance down, and take care not to go over your agreed credit limit Use your calendar to make sure you pay your bills on time and manage your monthly income Cancel all lines of credit that are not in use, such as store cards or ‘just in case’ credit cards (but see below for an alternative option) Build up a positive credit history; for example, if you have a credit card that you don’t use, rather than cancelling it, use it at least once a month, perhaps for buying petrol or groceries – but make sure you pay it off in full every time, don’t build up additional debt Resist the temptation to take out payday loans, as they are considered to be a red flag showing that you cannot manage your finances month to month Moving forward, leave any good debt on your report For more suggestions as to how you can repair your credit rating, check out our page of simple tips. Additional actions to take Something else to bear in mind if any missed payments show on your credit record is whether they were due to events outside of your control. If, for example, your employer went out of business, leaving you financially stranded, then you should contact each credit reference agency and explain what happened. They have the ability to add a note of correction to your credit file explaining the circumstances, which may well mitigate the effect of the default on future credit decisions. There are other things you can do that, while they do not in themselves boost your credit rating, will help you to avoid falling into future difficulties, and perhaps to pay things off faster. For example, take on some freelance work or a second job, or look for a job that pays more or is closer to home (so you save money on commuting). Make sure you aren’t paying more than you need to for things like your mobile phone, cable TV, fuel and broadband, and if you have a gym membership but can’t remember the last time you were there, cancel it. The more you have left after paying your bills, the better your chances of passing the affordability test. What is the affordability test? Every application for a mortgage or a remortgage is subject to an affordability assessment, and this is the case no matter what the credit status of the applicant might be. Potential lenders will look at income versus expenditure, taking everything into account, to arrive at a debt-to-income ratio. Since June 2014 the Financial Conduct Authority’s recommendation is that the debt-to-income ratio should be no higher than 45 for an offer of a mortgage or remortgage to be made. If you want to do a quick, rough calculation to see where you stand, then: make a list of all income you will receive over the year and divide by 12 (if all your income comes in monthly, just add it up) add up all your monthly bills – mortgage, credit card, etc. – then list all your other bills, whether quarterly, annual or whatever; add the monthly cost of these additional bills to your original total divide your monthly expenses by your monthly income and multiply the answer by 100, which will give you your debt-to-income ratio, expressed as a percentage The lower the number, the better. You can lower your debt-to-income ratio by either reducing your debt or increasing your income. What if you can’t wait for your credit score to improve over time? For those in need of a more immediate remortgaging solution, there are specialist lenders who work with applicants with low credit scores, offering deals that cannot be obtained from high street lenders. So if your need is urgent and you are asking yourself, ‘Can I remortgage with bad credit?’ the answer is ‘yes’. Get in touch today for free initial advice and no-obligation quotes from our team of experienced bad credit brokers. How can we help? Just Mortgage Brokers have experience of working with property owners at all levels, from those who are relatively new homeowners to highly experienced landlords with extensive property portfolios. We also have unlimited access to the UK mortgage market and many years of experience of working with a network of bad credit lenders across the country. That means we are not restricted to products from any one particular lender but can work with a diverse range of specialist lenders to secure the remortgage deal you require. This combination of impartiality and unlimited market access gives us the very best chance of obtaining a competitively priced bad credit remortgage. We know exactly where to turn to find a mortgage to suit the particular needs of each and every client, regardless of their credit history. If you have a history of bad credit and are looking to remortgage a property, speak to Just Mortgage Brokers today to get the right deal for you.

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