Showing posts with label Motor Neurone Disease. Show all posts
Showing posts with label Motor Neurone Disease. Show all posts

Tuesday, 17 May 2011

Health wealth and happiness




I read recently "the true measure of a man is what he would do if he would never be caught” and having always operated with a totally different moral outlook myself, I struggle to comprehend a life code of this kind.  For me it has always been about whether or not a proposed action is beneficial for all those concerned and, for the last thirty three years, every one of my decisions has, by necessity, taken into account the impact it would have on my children.

In the early days, within the first few months of the Grand Opening, I was desperate to understand the motivating values on which my husband based the decisions which ultimately led to our family to its complete financial demise.   It was a chance meeting which gave me the first tiny insightful fragment into what may have happened to my husband’s decision making processes.

According to my source there are two completely separate elements to making every decision, namely the cerebral and the emotional. The emotional component works out the impact of a proposed actions success or failure while the cerebral component does the calculations necessary for its implementation and measures the chance of  its success. I am told neither process should rule the other but instead they should work in partnership to give a balance of risk verses return for every decision. 

It is clear to me  my husband’s withdrawal following the grief he suffered on diagnosis of his aunt, his mother and his brother from Motor Neurone disease, followed by their sad, painful and terrifying deaths only weeks apart, promoted an emotional shut down which had a catastrophic affect on my husband’s business acumen. However, whilst I can explain and understand these circumstances in a single, heart- broken man, I cannot for the life of me understand the logic of an almost identical decision making process which appears to have guided HBOS bankers down a similar path of ditruction. Surely when it comes to an corporate strategy, the chances of making responsible business decisions are improved by the numbers of those involved in rolling out these commercial initiatives. That is, of course, unless the banking industry has been brought to its knees by what the men at the top were prepared to do believing they would not be caught.

While  I can see irresponsible lending along with banking executive greed has undoubtedly brought our financial industry to its knees, sadly it is not the culprits of this crime who are destined to suffer the cost. Instead, it is my family’s health, wealth and happiness which appears to be the price they are only to happy to pay. French mathematician Blaise Pascal once said," Justice and power must be brought together so that whatever is powerful is just and whatever is just is powerful."
I live in hope.





 

Friday, 18 March 2011

Passionate beliefs


I am told to believe in something passionately is the way in which to make it a reality and conceptualising in this way has been the driving force for my continued attempts to piece our lives back together. While frequently advised to throw the bankruptcy towel into the arena by those without the constitution for tumultuous seas, I have refused to allow lending sharks to pick over the bones HBOS have already stripped bare because,
  • I believe passionately financial institutions should not lend residential mortgage   money to those with £446,000 outstanding on credit cards.
  • I believe passionately banks should not advance £3,500,000 in commercial mortgages without evidence of taxable income and assets.
  • I believe passionately it is negligent for lenders to ask wive's to sign away a family home to support a husband's business without illustrating how they have assessed payment affordability.
  • I believe passionately it is irresponsible for a bank to instruct the conveyance of a family home without giving a wife independent advice.
  • I believe passionately it is unacceptable for a creditor to lay siege to a woman and her children in her home, until such time as the police arrive, with sub machine guns, wearing riot gear, to remove them.
  • I believe passionately it is unacceptable for any family to be hounded by phone and threatened by debt collection agencies who pretend they don't know the financial position of the vulnerable despite hundreds of letters to the contrary.
  • I believe passionately it is unacceptable for any man to borrow £17,000 from the parents of his children's school friends.
  • I believe passionately it is unacceptable for any man to borrow £65,000 from his and his wife's family.
  • I believe passionately it is unacceptable for any man to secure the equity in his step daughter's and grand children's home against a business debt.
  • I believe passionately it is unacceptable for any man to sign documents which will give  unpaid tradesmen the authoriy to take away gifts made to his wife from her parents.
  • I believe passionately it is unacceptable for any man to tell anyone he can afford to  pay them when he does not know how he will achieve this.
  • I believe passionately it is unacceptable for any man under any circumstances to keep all of the above from his wife with lies.
  • I believe passionately it is unacceptable for any man to go to any lengths to avoid taking responsibilities for his actions and instead choosing to blame others.
  • I believe passionately it is unacceptable for any man to lead his whole family to the edge of a financial precipice without asking them if they wish to go there.
  • I believe passionately it is unacceptable for any man to pretend he has his difficulties in hand in order to avoid losing face.
But I also believe passionately,
  •  No man should be hounded by creditors to the point of suicide.
  • No man should lose his brother (age 44) and his mother (age 67) to Motor Neurone Disease three weeks apart. 
 And above all else I believe passionately
  • No child should be forced to grow up without a father as consequence of having financial difficulties.
It is for these reasons I am still here and for these reasons I continue to fight back.... passionately.