Affected borrowers will pay substantially more than they believed they would be paying. If one lender is allowed to get away with changing mortgage terms in this way what's to stop other mortgage lenders copying them? You may not be affected by this change but stopping Bank of Ireland might prevent your mortgage lender imposing unfair terms on your mortgage in the future. No borrower with a tracker rate mortgage can afford to allow Bank of Ireland to get away with this.

As you are probably aware; Navitus Bay Wind Park (1) will be located off the Dorset and Hampshire Coasts, to the west of the Isle of Wight, and also visible from Bournemouth, Poole and Swanage. I understand this development could produce the equivalent energy to power 800,000 homes and reduce carbon emissions by up to 1,125,000 tonnes per annum. This will be a tremendous contribution to our country's energy needs and carbon reductions. It will also help towards our renewable energy target of 15% which in the past few years has been behind plan and behind the progress rates of many other EU nations (2). I am very concerned however that a small group of local activists are using information that has little to no scientific backing to discredit this development and are creating fears about the impact on tourism and jobs in the area. I would urge you to balance any of their views against the report produced by The University of Edinburgh, presented to a Committee of the Scottish Parliament (3) in which there is clear consensus that there has been no measurable economic impact, either positively or negatively, of wind farms on tourism and concludes that “while some strongly held localised and anecdotal opinion exists, the Committee has seen no empirical evidence which demonstrates that the tourism industry in Scotland will be adversely affected by the deployment of renewable energy projects, particularly onshore and offshore wind” I appreciate the turbines will be visible from the coast on a clear day but believe this to be a small and perfectly acceptable compromise for the benefits delivered. Furthermore, I personally confirm that this development will not any way restrict the frequency or manner in which I enjoy the beach and coastal areas in the effected locations. 1. www.navitusbaywindpark.co.uk 2. http://ec.europa.eu/energy/renewables/reports/doc/com_2013_0175_res_en.pdf 3. www.scottish.parliament.uk/S4_EconomyEnergyandTourismCommittee/Reports/eeR-12-07w-r.pdf

Peaceful protest is at the cornerstone of our democracy and threatening to prosecute protesters for exercising this fundamental right undermines that notion of democracy and what is a civilised society. Protesters scaled the walls of the cooling towers in a week long protest at West Burton, Nottinghamshire. They hoped to raise awareness of the continued use of fossil fuel based power stations and the damage they do to our environment. EDF Energy is trying to scare people from demonstrating against using fossil fuels for our energy needs. By making an example of the West Burton protesters they hope that they will be able to limit the damage to their public reputation and go on building new fossil fuel based power stations. The right to non-violent protest is of fundamental importance in our democracy. We cannot let corporations from silencing our democratic rights to protest. We need to demonstrate to EDF Energy that if they continue with the prosecutions they will damage their brand and cost shareholders money in lost profits. We as citizens and as consumers have the power to make EDF Energy think again and drop the charges.

Potash is a vital source of potassium which is an essential nutrient for plant growth that strengthens cell walls, increases disease resistance and aids the absorption of nitrogen and phosphorous. The York Potash Project will mine polyhalite, a unique source of potassium, magnesium, sulphur and calcium, which can play a key role in balanced fertilisation across the world. With growing world populations it is vital for food security that the UK has a long term supply of this mineral. The York Potash deposit is the largest and highest grade deposit in the world and a new, deep mine with infrastructure that is below ground or hidden behind extensive landscaping can set new benchmarks for sensitive development, whilst creating thousands of jobs and giving a major boost to local and national economies.

The BBC reported last November: “An ‘intolerable risk’ is being posed by hazardous waste stored in run-down buildings at Sellafield nuclear plant, a watchdog has found.” http://www.bbc.co.uk/news/uk-england-cumbria-20228176 The report by the National Audit Office (NAO) stated: “Some of the older facilities at Sellafield containing highly hazardous radioactive waste have deteriorated so much that their contents pose significant risks to people and the environment." http://www.nao.org.uk/publications/1213/sellafield_risk_reduction.aspx This waste has already been created, and it has to be kept safe until a proper solution is in place for dealing with it. West Cumbria urgently needs government investment to enable it to safeguard this material on behalf of us all. What's more, the problem is growing - there’s 44 tonnes more waste currently being moved down from Dounreay, with another 30 tonnes in the pipeline. The Government must immediately commit the investment to make Sellafield safe. This is one item of expenditure that simply must not be cut back. The Government must also order the NDA to stop shipping waste into Sellafield, until the facilities are given a clean bill of health by the NAO.

Those who cannot afford £75,000 can defer payment until after their death, and nobody would be forced to sell their home in their lifetime. But once the bill is settled by disposal of the property, many ordinary families will be left with little to show for what their relative has worked for all their life. In Liverpool, where the average home is worth around £132,000, there would be just £57,000 left over after settling the contribution to care costs. Stephen Burke, head of charity United for All Ages, called it “the dampest of damp squibs”. He added: “It is a con of the worst sort. There are fairer and better alternatives. The Government could have raised the capital threshold of paying for care to £200,000.” Labour peer Lord Warner, who sat on the Dilnot Commission, said members thought the cost cap should have been £50,000 at most. He added: “At that level, it would mean on average no-one would have to dispose of more than about a third of the value of their housing assets.” Shadow Care Minister Liz Kendall said the package was a “small step forward” as the assets people could own and still qualify for help had increased five-fold from just £23,250. But she added: “It won’t be fair for people with modest homes.”

We are local people, determined to prevent the environmentally disastrous white-elephant that is the “Bexhill-Hastings Link Road” from devastating one of Hastings’ and Bexhill’s most amazing natural treasures.We demand an affordable, sustainable transport system for our area, that improves the quality of all our lives without costing the earth.

Carers usually carry on looking after other(s) until they drop. Carers services help stave off this for very modest sums. If they cannot care as they are doing, the financial costs fall on the NHS, Derby council etc. Carers are twice as likely to go to their GP's as the general population. Carers are adults as well as children and it's estimated there are 5,000 of them just in Derby. We need your help to demonstrate the community supports this campaign by 4th January when the Derby City Consultation closes.

The 'big four' supermarkets: Asda, Morrisons, Tesco and Sainsburys do not pay the Living Wage. These companies employ around 900,000 people meaning that together they employ the second largest number of people in the UK after the NHS. The Living Wage is “the threshold at which people can live above the poverty level with a sufficient safety net to provide for quality of life”. We need to ask these supermarkets to pay their staff the living wage. Big companies don’t like bad publicity. 38 Degrees members put pressure on the Olympic sponsors who were dodging their tax in the summer, and they caved to public pressure. We need to shame them into paying their staff a wage which affords them dignity and shows that they’re worth more than the legal minimum. Sign this petition to show the CEOs that you think they should pay their staff a wage they can live on! Together we can work together to lift people out of poverty. These supermarkets can afford it! The salaries paid to their CEOs are evidence of this. Justin King, the CEO of Sainsburys, receives £3.2 million a year; Philip Clarke of Tesco, £6.9 million; Dalton Philips of Morrisons, £4 million; Andy Clarke of Asda's pay is not in the public domain. If they can afford to pay their bosses this much, they can afford to pay their staff a few pounds more an hour. Tesco announced sales of more than £1 billion a week and annual profits of more than £3 billion despite the impact of the global downturn. Sainsburys opened five supermarkets, 28 convenience stores and two extensions, adding 267,000 square feet to its estate over the last three months. If they can afford to expand to at this rate, they can afford to pay their staff more. The Living Wage is beneficial to employees, employers and taxpayers. It prevents working poverty and the exploitation of low-paid workers. Taxpayers top up the low wages of supermarket workers by £50 a week in tax credits. If all low paid workers earned the living wage, the government could save £823 million a year by decreasing welfare benefits. It’s not just those who are unemployed who are in poverty, it’s also those in work who just don’t earn enough money to pay for the basics. One-fifth of women and one-seventh of men earn less than £7 per hour. More than six million working adults in Britain are living in poverty. Since the beginning of the Living Wage campaign in 2001 led by Citizens UK, they have lifted 45,000 people out of poverty and put over £210 million into the pockets of some of the lowest paid workers in the UK. *UPDATE* I have made a short link if you'd like to share the petition on Twitter: It is http://bit.ly/Big4LW745

This would bring down the cost of living across the board, but more importantly for people who can't afford rent or house prices.

Year after year gas and electricity prices have risen, to the point that millions of us can't afford to TURN THE HEAT ON, and thousands freeze to death every winter. Yet, the Big Six energy companies are so profitable that they pay billions of pounds in dividends to shareholders and millions of pounds in pay and bonuses to their executives. And no wonder they make so much money - in just over 8 years, from October 2004 until February 2013, my gas charges increased by a whopping 279.36%* and electricity charges by 69.89%.** Poverty is destroying the lives of millions of people in the UK, and if the misery and deaths caused by fuel poverty are ever to be eliminated, energy must be affordable by all. This will never happen while our energy sector is in the hands of private profiteers. We must TURN THE HEAT ON Government to get rid of The Big Six and restore the UK energy sector to public ownership. * from 1.439p to 4.02p per kWh ** from 7.328p to 12.45p per kWh

We're broke. Times are hard and, I'm reliably informed, we're all in it togeather...? I don't work and pay huge amounts of tax so that it can be wasted on frippery like this. Our Police force DO NOT need fancy cars. If the government is serious about saving money, then this would be saving straight off the bat - no job losses - no changes of conditions - no issues. We'd also be building transits in Southhampton and keeping UK workers in a jobs. It's a no-brainer.