Proposal for Parental Education and Tunneling as an Alternative to the Online Safety Act 2025 Introduction Parents are legally responsible for their children’s welfare, including online safety. Rather than imposing blanket regulations that risk infringing rights, freedoms, and privacy, this proposal recommends: Making parents responsible for their children’s browsing habits and the content they access.…
How NewDay Ltd Weaponises the PayDown Plan Against Responsible Borrowers — Justice-Focused Advocate for Financial Accountability This week, I received a letter from NewDay Ltd informing me without consent that I had been placed on their PayDown repayment plan for the maximum term of 48 months. No discussion, no transparency, no terms and conditions…
NewDay Ltd and Persistent Debt: Over the past few years, UK credit card customers have received waves of letters warning them that they’re in “persistent debt.” The Financial Conduct Authority (FCA) introduced rules requiring lenders to step in when a customer pays more in interest than toward their actual balance for over 18 months. In…
In today’s challenging financial landscape, many responsible borrowers are alarmed by how forced repayment plans can actually prolong your debt. NewDay Ltd, a major credit provider in the UK, has recently come under fire for imposing repayment plans that seem designed to favour their own financial interests—at the expense of consumers. In this post,…
Are NewDay Ltd’s Persistent Debt Policies Unfair to Borrowers? Managing debt responsibly requires careful planning—strategic payments, credit score optimization, and balancing multiple financial obligations. However, NewDay Ltd is imposing forced repayment plans on borrowers, disrupting their financial strategies and prioritizing their own interests over consumer autonomy. I recently received a letter stating that NewDay…
Is Running a Mysterium VPN Node Still Worth It? A Veteran Operator’s Perspective For years, running a Mysterium VPN node promised a chance to join a decentralized movement, contributing your internet connection to a global bandwidth marketplace while earning rewards. Yet for many of us—a growing group of seasoned operators—the evolving landscape has raised troubling…
The BBC Licence Fee: An Unenforceable System in Decline? Introduction The BBC licence fee has long been a controversial topic in the UK, with critics arguing that it is outdated, unfair, and unenforceable. Recent statements from Culture Secretary Lisa Nandy highlight growing concerns about the declining number of people paying the fee, the difficulty…
The Reality of Reform UK’s Immigration Policy: Why Mass Deportations Won’t Happen Introduction Illegal immigration has become a key issue in UK politics, with many voters turning to the Reform Party, believing its tough stance on border control will lead to mass deportations and an end to migrant arrivals. However, this expectation is based…
Reforms potential Damage to the UKResearch your facts before voting Introduction Under the leadership of Nigel Farage, the Reform Party has positioned itself as a champion of change, advocating for smaller government, tax cuts, and stricter immigration controls. While these policies may appeal to some, a closer examination reveals significant risks that could undermine…
Your Right to Reject a Forced Repayment Plan: FCA Regulations Explained Understanding Persistent Debt & Your Legal Protections If you’ve had a credit balance for over 36 months, your lender may classify your account as persistent debt under Financial Conduct Authority (FCA) guidelines. They might pressure you to increase payments or place you on…