'Dump Trump': Tens of thousands join global march

'Dump Trump': Tens of thousands join global march
Demonstrators arrive on the National Mall in Washington, DC, for the 'Women's March on Washington' on January 21, 2017 (AFP Photo/Andrew CABALLERO-REYNOLDS)

March for Science protesters hit the streets worldwide

March for Science protesters hit the streets worldwide
Thousands of people in Australia and New Zealand on Saturday kicked off the March for Science, the first of more than 500 marches around the globe in support of scienceThousands of people in Australia and New Zealand on Saturday kicked off the March for Science, the first of more than 500 marches around the globe in support of science

Bernie Sanders and the Movement Where the People Found Their Voice

"A Summary" – Apr 2, 2011 (Kryon channelled by Lee Carroll) (Subjects: Religion, Shift of Human Consciousness, 2012, Intelligent/Benevolent Design, EU, South America, 5 Currencies, Water Cycle (Heat up, Mini Ice Ace, Oceans, Fish, Earthquakes ..), Middle East, Internet, Israel, Dictators, Palestine, US, Japan (Quake/Tsunami Disasters , People, Society ...), Nuclear Power Revealed, Hydro Power, Geothermal Power, Moon, Financial Institutes (Recession, Realign integrity values ..) , China, North Korea, Global Unity,..... etc.) -

“ … Here is another one. A change in what Human nature will allow for government. "Careful, Kryon, don't talk about politics. You'll get in trouble." I won't get in trouble. I'm going to tell you to watch for leadership that cares about you. "You mean politics is going to change?" It already has. It's beginning. Watch for it. You're going to see a total phase-out of old energy dictatorships eventually. The potential is that you're going to see that before 2013.

They're going to fall over, you know, because the energy of the population will not sustain an old energy leader ..."
"Update on Current Events" – Jul 23, 2011 (Kryon channelled by Lee Carroll) - (Subjects: The Humanization of God, Gaia, Shift of Human Consciousness, 2012, Benevolent Design, Financial Institutes (Recession, System to Change ...), Water Cycle (Heat up, Mini Ice Ace, Oceans, Fish, Earthquakes ..), Nuclear Power Revealed, Geothermal Power, Hydro Power, Drinking Water from Seawater, No need for Oil as Much, Middle East in Peace, Persia/Iran Uprising, Muhammad, Israel, DNA, Two Dictators to fall soon, Africa, China, (Old) Souls, Species to go, Whales to Humans, Global Unity,..... etc.)
(Subjects: Who/What is Kryon ?, Egypt Uprising, Iran/Persia Uprising, Peace in Middle East without Israel actively involved, Muhammad, "Conceptual" Youth Revolution, "Conceptual" Managed Business, Internet, Social Media, News Media, Google, Bankers, Global Unity,..... etc.)

A student holds a sign reading "Don't shoot, listen!!!" during a protest
on June 17, 2013 in Brasilia (AFP, Evaristo)

FIFA scandal engulfs Blatter and Platini

FIFA scandal engulfs Blatter and Platini
FIFA President Sepp Blatter (L) shakes hands with UEFA president Michel Platini after being re-elected following a vote in Zurich on May 29, 2015 (AFP Photo/Michael Buholzer)
"The Recalibration of Awareness – Apr 20/21, 2012 (Kryon channeled by Lee Carroll) (Subjects: Old Energy, Recalibration Lectures, God / Creator, Religions/Spiritual systems (Catholic Church, Priests/Nun’s, Worship, John Paul Pope, Women in the Church otherwise church will go, Current Pope won’t do it), Middle East, Jews, Governments will change (Internet, Media, Democracies, Dictators, North Korea, Nations voted at once), Integrity (Businesses, Tobacco Companies, Bankers/ Financial Institutes, Pharmaceutical company to collapse), Illuminati (Started in Greece, with Shipping, Financial markets, Stock markets, Pharmaceutical money (fund to build Africa, to develop)), Shift of Human Consciousness, (Old) Souls, Women, Masters to/already come back, Global Unity.... etc.) - (Text version)

… The Shift in Human Nature

You're starting to see integrity change. Awareness recalibrates integrity, and the Human Being who would sit there and take advantage of another Human Being in an old energy would never do it in a new energy. The reason? It will become intuitive, so this is a shift in Human Nature as well, for in the past you have assumed that people take advantage of people first and integrity comes later. That's just ordinary Human nature.

In the past, Human nature expressed within governments worked like this: If you were stronger than the other one, you simply conquered them. If you were strong, it was an invitation to conquer. If you were weak, it was an invitation to be conquered. No one even thought about it. It was the way of things. The bigger you could have your armies, the better they would do when you sent them out to conquer. That's not how you think today. Did you notice?

Any country that thinks this way today will not survive, for humanity has discovered that the world goes far better by putting things together instead of tearing them apart. The new energy puts the weak and strong together in ways that make sense and that have integrity. Take a look at what happened to some of the businesses in this great land (USA). Up to 30 years ago, when you started realizing some of them didn't have integrity, you eliminated them. What happened to the tobacco companies when you realized they were knowingly addicting your children? Today, they still sell their products to less-aware countries, but that will also change.

What did you do a few years ago when you realized that your bankers were actually selling you homes that they knew you couldn't pay for later? They were walking away, smiling greedily, not thinking about the heartbreak that was to follow when a life's dream would be lost. Dear American, you are in a recession. However, this is like when you prune a tree and cut back the branches. When the tree grows back, you've got control and the branches will grow bigger and stronger than they were before, without the greed factor. Then, if you don't like the way it grows back, you'll prune it again! I tell you this because awareness is now in control of big money. It's right before your eyes, what you're doing. But fear often rules. …

Wall Street's 'Fearless Girl' statue to stay until 2018

Wall Street's 'Fearless Girl' statue to stay until 2018
The " Fearless Girl " statue on Wall Street is seen by many as a defiant symbol of women's rights under the new administration of President Donald Trump (AFP Photo/ TIMOTHY A. CLARY)

“… The Fall of Many - Seen It Yet?

You are going to see more and more personal secrets being revealed about persons in high places of popularity or government. It will seem like an epidemic of non-integrity! But what is happening is exactly what we have been teaching. The new energy has light that will expose the darkness of things that are not commensurate with integrity. They have always been there, and they were kept from being seen by many who keep secrets in the dark. Seen the change yet?

In order to get to a more stable future, you will have to go through gyrations of dark and light. What this means is that the dark is going to be revealed and push back at you. It will eventually lose. We told you this. That's what you're here for is to help those around you who don't see an escape from the past. They didn't get their nuclear war, but everything else is going into the dumper anyway. … “

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Thursday, November 15, 2012

Banks braced for exposure to CPP mis-selling investigation

High street banks in discussion with the FSA over sale of credit card protection products

guardian.co.uk, Lisa Bachelor and Jill Treanor, Thursday 15 November 2012

Many of the high street banks had working relationships with CPP and
sold its insurance products. Photograph: Network Photographers/Alamy

Britain's major high-street banks, already reeling from the PPI scandal, could be forced to pay out millions more pounds in compensation to customers for a widely mis-sold card protection product.

The banks are in discussion with the Financial Services Authority about how this could be paid after the watchdog announced it had hit identity theft and credit cardinsurance company CPP for £33.4m in fines and compensation to customers.

Of the £33.4m, CPP is provisionally putting aside £14.5m to be paid to customers mis-sold its card protection and identity protection products between January 2005 and March 2011. However, this only covers direct sales made by CPP; the vast majority of sales were made via high street banks including Santander and HSBC.

A number of the banks "introduced" their customers to CPP by affixing a sticker to new credit or debit cards sent to customers. The sticker prompted the customer to call a number, which was CPP's, either to activate the card or to confirm receipt of it. When the customer did ring, CPP also used the opportunity to offer card protection and/or identity protection to the customer.

The CPP card protection product would offer to cancel all a cardholder's cards if they went missing or were stolen. It also offered key cover and an emergency cash advance. But the element of the product the FSA objected to was the £100,000 of insurance card protection – this was not needed because customers are already covered by their banks in almost all cases if their cards are stolen.

The FSA also said identity protection was mis-sold because CPP overstated the risks and consequences of identity theft during sales of the product.

"While CPP's products were relatively inexpensive, they were sold widely and CPP encouraged its sales agents to be overly persistent," Tracey McDermott, the FSA's director of enforcement and financial crime said. "This exposed a very large number of customers to the unacceptable risk of buying products they did not want or need."

CPP will be writing to customers it believes have been affected, but not until discussions between itself, the FSA and the banks about how the banks will pay for their part in the mis-selling process have concluded. Indications are that a fund will be set up into which CPP and the banks will contribute, which will be distributed to affected customers.

Customers are being urged to contact CPP or their bank to claim, even if they are not contacted directly by either party but think they might have been affected. Customers can only claim for policies taken out between January 2005 when the FSA started regulating general insurance, and March 2011 when the FSA first started dealing with CPP over the issue.

During this period CPP sold 4.4m card protection and identity protection policies and received £188.3m in customer payments, a proportion of which it paid to the banks for an introduction fee. CPP also renewed 18.7m policies for which it received £656.5m in customer payments, a proportion of which it again paid to the banks for an introduction fee.

Santander announced in its recent third quarter results that it has already set out £232m for future mis-selling issues. It is widely believed part of this is to cover the mis-sale of CPP products, although Santander would not confirm that.

Santander said it still uses CPP for its card activation process but no longer sells the company's insurance products. It said when it did sell the insurance via card activation it was made clear to the caller that the company the customer was dealing with was CPP, not Santander.

HSBC said it did not use the card activation process to sell CPP's products, but confirmed it did sell the company's card protection product to customers. It is believed Barclays sold the insurance via its card activation process and that the caller thought they were buying from Barclays not CPP.

Neither Lloyds TSB or Halifax had a relationship with CPP. Bank of Scotland did many years ago – currently, about 19,000 customers on older products have CPP cover. However, all of these products were sold prior to 2003.

The Guardian is still awaiting comment from Barclays and RBS.

One industry source suggested claims management companies that have made millions from dealing with people's PPI claims could "be all over CPP claims" in the near future.

The CPP website still lists the company's card protection policy but anyone clicking on the "buy now" button is taken to a message reading: "Unfortunately this product is no longer available." The company is no longer selling identity protection but is selling a product called identity theft, which is similar but does not contain the insurance element of the previous product.

Paul Stobart, chief executive officer of CPP, said in a statement: "Today marks the end of the long running investigation into historic practices at CPP in the UK. We are deeply sorry for the errors and wrongdoings of the past and are paying a heavy penalty through what is a large fine."

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