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Originally posted by Wisbech Eagle
I thought about exactly that as a comparison before making the comment and wondered if someone like you would try to use it. There is though a fundamental difference between the two events. In one someone is being asked to make something for someone else, but objected to words they were contracted to use as decoration. The cake was not the property of the baker. Only the ingredients were. They were not endorsing views. They were piping icing. In this case, the bank account itself is the property of the bank. They are not touching the money in it. That remains the property of Farage and will be returned to him. The bank offers a standard product with set terms and conditions. Fail to comply and they can refuse your business. The baker offers a service for a fee and should not be free to discriminate on matters that conflict with equality legislation. If they refused to put any wording on cakes they would be OK. Selectively refusing wording and they aren't. They are discriminating. In my opinion. The Supreme Court disagreed, but I continue to believe they are wrong. Perhaps Farage believes that the scope of anti-discrimination protective legislation ought to be extended to include self-righteous presenters on GB News. I won't insult you intelligence by suggesting that you actually believe in what you have said here.
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Originally posted by Wisbech Eagle
I thought about exactly that as a comparison before making the comment and wondered if someone like you would try to use it. There is though a fundamental difference between the two events. In one someone is being asked to make something for someone else, but objected to words they were contracted to use as decoration. The cake was not the property of the baker. Only the ingredients were. They were not endorsing views. They were piping icing. In this case, the bank account itself is the property of the bank. They are not touching the money in it. That remains the property of Farage and will be returned to him. The bank offers a standard product with set terms and conditions. Fail to comply and they can refuse your business. The baker offers a service for a fee and should not be free to discriminate on matters that conflict with equality legislation. If they refused to put any wording on cakes they would be OK. Selectively refusing wording and they aren't. They are discriminating. In my opinion. The Supreme Court disagreed, but I continue to believe they are wrong. Perhaps Farage believes that the scope of anti-discrimination protective legislation ought to be extended to include self-righteous presenters on GB News. This is tosh. Both are discriminatory or neither are. That he’s a presenter on GB News is not relevant. He has been discriminated against because of his political beliefs. That’s OK according to your post. So you’d be happy if the bank had turfed Jeremy Corbyn out for his left wing beliefs? You’d also, I assume, not back, say, a Halal Cake Maker if they refused a message on a cake that fundamentally went against their religious beliefs? Just trying to understand if you’re consistent. If you are then fair play. I personally believe they are both in the wrong. Edited by Helmet46 (21 Jul 2023 8.03pm)
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Originally posted by Behind Enemy Lines
I’m not sure that skin colour is relevant in today’s world relating to bank accounts. I didn’t come across it in four decades of working in banking. I can only guess that Coutts may have had pressure from customers who don’t hold the same views as Farage and they gambled that losing one customer was better than upsetting more than one. I agree that any form of discrimination relating to banking is undesirable and should be illegal but different banks have different target audiences, so there is a degree of acceptance by some for a particular person and not by others. You came across your 2nd line on employment priorities though right !?
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Originally posted by Helmet46
This is tosh. Both are discriminatory or neither are. That he’s a presenter on GB News is not relevant. He has been discriminated against because of his political beliefs. That’s OK according to your post. So you’d be happy if the bank had turfed Jeremy Corbyn out for his left wing beliefs? You’d also, I assume, not back, say, a Halal Cake Maker if they refused a message on a cake that fundamentally went against their religious beliefs? Just trying to understand if you’re consistent. If you are then fair play. I personally believe they are both in the wrong. Edited by Helmet46 (21 Jul 2023 8.03pm) They might both be regarded as discriminatory by some but one is definitely legally discriminatory whilst the other ought not to be, in my opinion, despite the Supreme Court holding that it was on a point of law. Farage wasn’t discriminated against because of his political beliefs. His account was closed by the bank for failing to meet their requirements. That this was probably used as a smokescreen to cover their fear of reputational damage is beside the point. It wasn’t illegal discrimination. I would doubt whether Corbyn would aspire to having an account with Coutts, let alone admitting he is wealthy enough to get one, but in the unlikely circumstance that he did then the bank closing it for whatever reason they decide is fine by me. Their bank. Their account. Any baker, Halal or anything else, has no right to refuse work because of what a client asks to be iced, so long as it’s legal. It’s not their cake. If they offer to bake cakes to order for reward then they cannot discriminate. If they cannot accept that then they must stop offering the service.
For the avoidance of doubt any comments in response to a previous post are directed to its ideas and not at any, or all, posters personally. |
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Originally posted by Wisbech Eagle
The only apology I saw was for the use of some terminology in their internal documents. The government now proposes stricter requirements on how such matters are communicated, with a right for anyone impacted to be able to challenge and request a review. None of which, so far as I can see, changes the fundamental right of a bank to decide their own rules on the size of deposits or how they determine who are their target customers and who aren’t. This wasn’t clever PR by the bank and doubtless there has been some red faces internally but their right to do it remains intact. Whether it actually benefits Farage is another question. It is red meat to those who think like him, but to everyone else it only goes to confirm what they think of him. That he is an insufferable prick. I doubt whether he will have gained any support as a result of this publicity stunt. So why did they allow him to open the account in the first place? As far as I know he has not changed his views. I wonder how many Saudis, Qatari’s, Russians, despots have accounts with Coutts.
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Originally posted by georgenorman
I won't insult you intelligence by suggesting that you actually believe in what you have said here. I most certainly do believe it. Don’t worry though about insulting me. Insults from you, or from any of the others who enjoy hearing echoes of their own out of sync views here, are all treated as solid confirmation that a sore point has been touched. If I had a £1000 for every ad hominem I have received here I could buy Palace a new striker.
For the avoidance of doubt any comments in response to a previous post are directed to its ideas and not at any, or all, posters personally. |
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Originally posted by Wisbech Eagle
They might both be regarded as discriminatory by some but one is definitely legally discriminatory whilst the other ought not to be, in my opinion, despite the Supreme Court holding that it was on a point of law. Farage wasn’t discriminated against because of his political beliefs. His account was closed by the bank for failing to meet their requirements. That this was probably used as a smokescreen to cover their fear of reputational damage is beside the point. It wasn’t illegal discrimination. I would doubt whether Corbyn would aspire to having an account with Coutts, let alone admitting he is wealthy enough to get one, but in the unlikely circumstance that he did then the bank closing it for whatever reason they decide is fine by me. Their bank. Their account. Any baker, Halal or anything else, has no right to refuse work because of what a client asks to be iced, so long as it’s legal. It’s not their cake. If they offer to bake cakes to order for reward then they cannot discriminate. If they cannot accept that then they must stop offering the service. I honestly believe your last paragraph is totally wrong. Any person running a business has the right to refuse work from / to serve a potential customer . My father ran a shop for many years, he was entitled to refuse to serve anyone, if he so wished. Of course, these were in the days before Woke took over
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Originally posted by Spiderman
So why did they allow him to open the account in the first place? As far as I know he has not changed his views. I wonder how many Saudis, Qatari’s, Russians, despots have accounts with Coutts. I don’t know any more than you do but guess account opening doesn’t hit the desk of senior management but periodic reviews will throw up potential problems. I would hope this incident has caused a very thorough review of who holds accounts and whether any are held by nominees to disguise the real beneficial owner. Edited by Wisbech Eagle (21 Jul 2023 11.01pm)
For the avoidance of doubt any comments in response to a previous post are directed to its ideas and not at any, or all, posters personally. |
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Originally posted by Spiderman
I honestly believe your last paragraph is totally wrong. Any person running a business has the right to refuse work from / to serve a potential customer . My father ran a shop for many years, he was entitled to refuse to serve anyone, if he so wished. Of course, these were in the days before Woke took over You are, of course, as entitled to your opinion as I am to mine. Times have changed. To use the right’s popular dismissive, “woke”, is always an excuse not to face that fact. We now recognise that discrimination is real and are trying to reduce it. Something that ought to be welcomed and not ridiculed. Shopkeepers can still legally refuse to serve people, if they have good reasons not to. What they cannot do is discriminate. They could refuse to serve a gay man with a skin tone unlike their own, who is in a wheel chair and has obvious learning disabilities, if he threatens them or acts in a way which disturbs other customers. It’s not if they can refuse, but why.
For the avoidance of doubt any comments in response to a previous post are directed to its ideas and not at any, or all, posters personally. |
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Originally posted by Wisbech Eagle
They might both be regarded as discriminatory by some but one is definitely legally discriminatory whilst the other ought not to be, in my opinion, despite the Supreme Court holding that it was on a point of law. Farage wasn’t discriminated against because of his political beliefs. His account was closed by the bank for failing to meet their requirements. That this was probably used as a smokescreen to cover their fear of reputational damage is beside the point. It wasn’t illegal discrimination. I would doubt whether Corbyn would aspire to having an account with Coutts, let alone admitting he is wealthy enough to get one, but in the unlikely circumstance that he did then the bank closing it for whatever reason they decide is fine by me. Their bank. Their account. Any baker, Halal or anything else, has no right to refuse work because of what a client asks to be iced, so long as it’s legal. It’s not their cake. If they offer to bake cakes to order for reward then they cannot discriminate. If they cannot accept that then they must stop offering the service. Not on a point of law. Ashers were accused of discriminating against the agitator Lee because he was a homosexual. They court judged that Ashers did not discriminate against Lee. The double standards that you are applying to Ashers and Coutts is plain to see. All this nonsense about ownership of the cake and the account is just that, squid-ink nonsense. Edited by georgenorman (22 Jul 2023 6.31am)
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Originally posted by Wisbech Eagle
I most certainly do believe it. Don’t worry though about insulting me. Insults from you, or from any of the others who enjoy hearing echoes of their own out of sync views here, are all treated as solid confirmation that a sore point has been touched. If I had a £1000 for every ad hominem I have received here I could buy Palace a new striker. Said the raven to the crow.
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Originally posted by georgenorman
Not on a point of law. Ashers were accused of discriminating against the agitator Lee because he was a homosexual. They court judged that Ashers did not discriminate against Lee. The double standards that you are applying to Ashers and Coutts is plain to see. All this nonsense about ownership of the cake and the account is just that, squid-ink nonsense. Edited by georgenorman (22 Jul 2023 6.31am) There you go! I had no expectation that you would understand the differences, let alone accept them, so your dismissal is of even less surprise than it is of value. Of course the Supreme Court case was decided on a point of law. That’s what it does. It was highly complicated and extremely controversial, involving human rights issues, NI and EU law. The judgements of both the County and Appeal courts had gone the other way but the SC disagreed which now means the only way to rectify this is via new legislation. That is unlikely to be done by this government nor high on the list of priorities of the next. Want to read the actual judgement?
For the avoidance of doubt any comments in response to a previous post are directed to its ideas and not at any, or all, posters personally. |
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Originally posted by Wisbech Eagle
They might both be regarded as discriminatory by some but one is definitely legally discriminatory whilst the other ought not to be, in my opinion, despite the Supreme Court holding that it was on a point of law. Farage wasn’t discriminated against because of his political beliefs. His account was closed by the bank for failing to meet their requirements. That this was probably used as a smokescreen to cover their fear of reputational damage is beside the point. It wasn’t illegal discrimination. I would doubt whether Corbyn would aspire to having an account with Coutts, let alone admitting he is wealthy enough to get one, but in the unlikely circumstance that he did then Any baker, Halal or anything else, has no right to refuse work because of what a client asks to be iced, so long as it’s legal. It’s not their cake. If they offer to bake cakes to order for reward then they cannot discriminate. If they cannot accept that then they must stop offering the service.
Wonder how you would feel about that person wanting to rent a house from you? if they fulfilled every legal criteria. You’re offering a place to stay in exchange for reward, so couldn’t refuse them.
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Originally posted by Wisbech Eagle
There you go! I had no expectation that you would understand the differences, let alone accept them, so your dismissal is of even less surprise than it is of value. Of course the Supreme Court case was decided on a point of law. That’s what it does. It was highly complicated and extremely controversial, involving human rights issues, NI and EU law. The judgements of both the County and Appeal courts had gone the other way but the SC disagreed which now means the only way to rectify this is via new legislation. That is unlikely to be done by this government nor high on the list of priorities of the next. Want to read the actual judgement? It was not highly complicated at all. What is controversial is that the original judgement was in favour of the agitator Lee. Ashers were charged with discriminating against the agitator Lee because he is a homosexual. It was blindingly obvious that Ashers objected to the propaganda that Lee wanted on the cake and would have objected had the customer been heterosexual or any sort of person. But of course you are just trying to deflect from the main point of you applying double standards, for political reasons, in this case and the Coutts case.
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Originally posted by robdave2k
Wonder how you would feel about that person wanting to rent a house from you? if they fulfilled every legal criteria. You’re offering a place to stay in exchange for reward, so couldn’t refuse them. In your first case I think it would depend on your reasons for refusing. If solely because he was on a register and what he was asking you for posed no threat to you, or anyone else, because of that registration, then you should have no right to refuse. If you refused because you felt a risk was involved then you probably would be ok. I have an ex offender, who served 15 years and is out on licence, as a tenant. He was thoroughly checked by my agent and I interviewed him too. He needed a fresh start and I helped. I wish all my tenants were as responsible. He is never late with his rent. He is extremely helpful both to me and the other tenants. He is a reformed man, determined to rebuild his life and never see inside again. He isn’t a sex offender, but the same principles apply. In fact refusing is much easier with rental properties where demand exceeds supply.
For the avoidance of doubt any comments in response to a previous post are directed to its ideas and not at any, or all, posters personally. |
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Originally posted by georgenorman
It was not highly complicated at all. What is controversial is that the original judgement was in favour of the agitator Lee. Ashers were charged with discriminating against the agitator Lee because he is a homosexual. It was blindingly obvious that Ashers objected to the propaganda that Lee wanted on the cake and would have objected had the customer been heterosexual or any sort of person. But of course you are just trying to deflect from the main point of you applying double standards, for political reasons, in this case and the Coutts case. You haven’t read the judgement have you? The SC held that the Ashers did not discriminate, whilst the County and Appeal courts disagreed. The difference was the application of very specific laws and nothing “blindingly obvious”. That’s just your prejudice speaking. My contention all along is that the cake was never the property of Ashers, but of their client. Therefore their only interest was in the ingredients and not in any wording. I don’t think this was really tested by the SC who looked only at whether they possessed the judiciary power to rule on the case. This though is a settled, for now, issue and not directed related to Farage. If it did you would be arguing against yourself. Edited by Wisbech Eagle (22 Jul 2023 9.40am)
For the avoidance of doubt any comments in response to a previous post are directed to its ideas and not at any, or all, posters personally. |
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Originally posted by Badger11
I find it laughable that banks are banning customers because they don't like their views. Considering the number of serious criminals, dictators, money launderers etc. who have accounts with UK banks I am amazed at how fussy they are over hurty words. The bank I worked at allowed the brother of the President of Mexico to open an account with one billion or 100 million dollars (I can't remember). It never occurred to anyone to ask where the money came from as the guy was basically broke and unemployed before his brother became President but hey ho. Edited by Badger11 (21 Jul 2023 7.24am) Edited by Badger11 (21 Jul 2023 7.25am) Badger, was that an American bank that had the whistle
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Originally posted by Wisbech Eagle
In your first case I think it would depend on your reasons for refusing. If solely because he was on a register and what he was asking you for posed no threat to you, or anyone else, because of that registration, then you should have no right to refuse. If you refused because you felt a risk was involved then you probably would be ok. I have an ex offender, who served 15 years and is out on licence, as a tenant. He was thoroughly checked by my agent and I interviewed him too. He needed a fresh start and I helped. I wish all my tenants were as responsible. He is never late with his rent. He is extremely helpful both to me and the other tenants. He is a reformed man, determined to rebuild his life and never see inside again. He isn’t a sex offender, but the same principles apply. In fact refusing is much easier with rental properties where demand exceeds supply. But therein is the point. You checked him out and interviewed him. In your words he “needed a fresh start - and you helped” That’s very benevolent of you, but under your terms you wouldn’t have been able to say no if you established he was no threat, and secondly had the money. You wouldn’t have been able to choose to help, you would have had no choice.
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Originally posted by Wisbech Eagle
You haven’t read the judgement have you? The SC held that the Ashers did not discriminate, whilst the County and Appeal courts disagreed. The difference was the application of very specific laws and nothing “blindingly obvious”. That’s just your prejudice speaking. My contention all along is that the cake was never the property of Ashers, but of their client. Therefore their only interest was in the ingredients and not in any wording. I don’t think this was really tested by the SC who looked only at whether they possessed the judiciary power to rule on the case. This though is a settled, for now, issue and not directed related to Farage. If it did you would be arguing against yourself. Edited by Wisbech Eagle (22 Jul 2023 9.40am) It wasn't 'tested' because it is absolute nonsesne. I'm not arguing against myself, my position on both cases is that businesses and organisations and individuals should be able to do or not do business with whoever they like.
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Originally posted by Wisbech Eagle
I don’t know any more than you do but guess account opening doesn’t hit the desk of senior management but periodic reviews will throw up potential problems. I would hope this incident has caused a very thorough review of who holds accounts and whether any are held by nominees to disguise the real beneficial owner.
One of the roles I held in my career was COO of Wealth Management / Private Clients for a global bank. Beneficial ownership was always one of the biggest issue for banks when onboarding new clients, particularly where Trust funds are involved. As regulation and governance has increased so has the need for KYC refresh / periodic reviews. The Farage issue has no bearing on that at all. It's now become part of ongoing Compliance activity - or at least it should. Banks continue to be penalised for lax AML controls. When it comes to Farage v Coutts, Farage was correct in his assumption that he was being debanked for his political views. So Coutts were happy enough to take his money in the first place and have painted themselves into a corner by their actions. They are in the wrong and they know it. The wider picture is this ; Coutts, owned by Nat West - the renamed RBS Group. It's difficult to offer much positive comment on this organisation given its unsavoury recent history. I know there was a view in the City that promoting Alison Rose to CEO was part of a charm offensive to demonstrate what an inclusive, diverse institution they now are. But something at the core remains rotten, and Rose may well not survive this and a number of other issues that have surfaced.
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