The People’s Vote

The People’s Vote

“Good deal or bad deal, it’s definitely a big deal – and that’s why it should be put to a People’s Vote.”

 

The People’s Vote campaign seeks to ensure that the government’s Brexit deal is put before the country in a public vote so that we can decide if a decision that will affect our lives for generations makes the country better or worse off.

A People’s Vote isn’t about reversing Brexit, it’s about a final say on a final deal with Europe.

  • Brexit’s a process, not a single event. It started with a vote, it should end with a vote, too.
  • You don’t sign away the house with one signature. Why shouldn’t the British public have the same right to change their mind?
  • It’s time to unite the country behind what happens next. However you vote the first time, a second vote is about granting consent to a new relationship with Europe.
  • A lot has changed in two years. It’s time to formalise how we proceed and to unite the country after a long, divisive period.

Bremain in Spain Go to the People’s Vote march 23rd June 2018!

Celebrities, politicians from all parties and academics support the #People’s Vote. Here’s just a few!

https://youtu.be/NeSoi0Phi6s

https://youtu.be/fv_oP-fFDcA

https://youtu.be/iGlGgoxHdZU

https://youtu.be/cS4fyjugxi8

https://youtu.be/l9it35lUo4Q

https://youtu.be/iQhUghvME8o

https://youtu.be/SYPcdUm6uho

https://youtu.be/JlXWc6t8bSU

https://youtu.be/ZopWaabOPwk

https://youtu.be/ROY9V_KKVlA

https://youtu.be/7yIZAEAH-yo

https://youtu.be/JUMhDYlnvFg

Can I Brexit-Proof Our Savings, Investments & Pensions?

Can I Brexit-Proof Our Savings, Investments & Pensions?

Paul Burgin – Financial Journalist

This is not financial advice. My story is not the same as yours …..

Recently, I started asking a simple question: Can I Brexit-proof our family savings, investments and pensions? For millions of EU27 nationals in the UK and the British in the EU, this is about the freedom of movement: the freedom of movement of our money. Unfortunately, there is no simple answer. Personal finance unicorns do not exist.   NATIONAL SAVINGS & INVESTMENTS 185,000 savers NS&I savers live in the EU27 – and that’s just those who have registered their non-UK addresses. Between us, we have £780 million in Premium Bonds, other bonds and various accounts. No problems if I want any payments made to an account in the EU or European Economic Area, says NS&I. It does not charge a cross-border fee, but does take a cut from the exchange rate. The bigger the overseas payment, the more NS&I deducts. How much? That changes day by day. NS&I said £1 was worth €1.1169 on 30th May. Transferwise’s exchange rate was £1/€1.140. So I’ll stick with my winnings paid out in the UK, then transfer them myself. On a £1 million Premium Bond win, that’s over €23,000 saved.

BREXIT PROOF: NS&I    Register NS&I accounts online with your non-UK address and apply for the international payment service . NS&I helpline +44 1253 832007. Better exchange rates may be available.
BANK ACCOUNTS I still use my UK bank account, debit and credit cards for those cheap Amazon UK purchases.  But can I still keep the account and cards while resident overseas? Yes say Bank of Scotland, Barclays, Cahoot, Cater Allen, Halifax, HSBC, Lloyds, Nationwide, NatWest, Royal Bank of Scotland, Santander and Ulster Bank. Changing my address to my EU permanent residence is a necessity, they say. Some even let customers make the change online. A bank may want to change the type of account held, however. ‘Packaged’ accounts with fancy benefits typically only apply to UK residents, for example. What’s less clear is whether any current account will still be as useful if I want to transfer money to the eurozone in future. 82 UK payment service providers may have to reapply to join the Single Euro Payment Area if there is no Brexit deal on financial services. Outside SEPA, bank-to-bank transfers to and from the UK may get more expensive.
BREXIT PROOF: BASIC BANK ACCOUNTS No UK account? UK Basic Bank Accounts are open to all EU resident (for now), from the age of 16. No fees, no overdrafts and only a debit card. The Money Advice Service lists the accounts available. Check if you can post or scan in ID documents!
BREXIT PROOF: LOST ACCOUNTS Lost track of an old bank, building society or NS&I account? No worries! The free My Lost Account service can help.
SHARES, EXCHANGE TRADED FUNDS (ETFs) AND INVESTMENT TRUSTS If they’re listed on the London Stock Exchange, shareholders still get their dividends wherever they are located, says the Association of Investment Companies. ETFs and investment trusts like F&C Investment Trust, the world’s oldest, might be trickier, depending how they were bought. F&C says I would need to notify them of my new address. But there is no issue with continuing to hold an Individual Savings Account or other tax-efficient plan, even though non-UK residents cannot contribute more to their tax-free savings. Other ETF providers, fund platforms and brokers may take a stricter approach. Vanguard, a big ETF and low-cost fund provider, would allow ISAs and Junior ISAs to continue. But non-ISA holdings brought direct from Vanguard may be closed if investors have moved overseas.
BREXIT PROOF: SHARES AND INVESTMENT TRUSTS Shares, ETFs and investment trusts are usually bought via a broker, financial adviser or platform. The Financial Conduct Authority has told these UK firms with EEA clients ‘to prepare for a range of scenarios’. So ask your provider about those preparations.
INVESTMENT FUNDS Investment funds like unit trusts are not the same as investment trusts. Asset managers are based and regulated in one country, but their funds and clients may be elsewhere. They rely on a EU ‘passport’ to care for those cross-border investors. The smart guys, like M&G or Franklin Templeton, are shifting non-UK customers to their operations in Dublin or Luxembourg. Funds domiciled in the UK have an ISIN code ‘GB’. Those from Ireland are ‘IE’ and from Luxembourg ‘LU’. I couldn’t find details on my last statements, so I looked up each fund on Morningstar for free. Every single fund is ‘GB’. My fund supermarket says I can transfer my funds, held in an ISA, to Irish or Luxembourg versions.
BREXIT PROOF: INVESTMENT FUNDS All advisers, fund platforms and investment funds must ensure continuity of service for their non-UK investors. So ask! Point them here, here and here. Don’t accept any waffle.
BREXIT PROOF: INDIVIDUAL SAVINGS ACCOUNTS (ISAs) Never close an ISA, because you lose your tax-free benefits. But you can switch investments within the ISA or transfer to a new ISA provider. The new provider will do the work for you.
STATE PENSIONS State pensions and benefits were included in the Withdrawal Agreement. That should provide some comfort that the ‘Triple Lock’ pension increases should continue for today’s retirees and those who retire in the future. But I’m not counting on that. The Withdrawal Agreement has not been signed yet. In the meantime, I’m getting my National Insurance and State pension details updated.
BREXIT PROOF: STATE PENSIONS Registering on the Government Gateway unlocks online access to tax, National Insurance and pension records. If you previously worked in the UK, the Future Pension Centre calculates what your future State pension might be–online or by phone +44 191 218 3600.
OCCUPATIONAL PENSIONS Big trustee-based schemes like the Civil Service Pension, NHS Pension and certain company pensions come under domestic law, not EU law. So no problem on overseas payments, confirms the team manager at Civil Service Pensions. That’s a relief for my mum. She relies on her Home Office pension and the survivors’ benefits from the Army and MOD Police pensions of her much-missed husband. There are no specific Brexit issues for other workplace schemes, says the Pension Regulator. That’s true, providing the trustees fulfil their fiduciary duties to communicate with scheme members and ensure payments get through, no matter what.
BREXIT PROOF: OCCUPATIONAL PENSIONS Pensions are complicated stuff. It’s best to ask your scheme directly – telephone numbers on their websites or your recent statements. The Pensions Advisory Service is a good place to start for general questions +44 207 932 5780.
PRIVATE PENSIONS Some private, Stakeholder, auto-enrolment and company pensions are different again. They’re a contract between you (or me) and an insurance company. When the scheme is in one country and the member in another, then passporting issues arise–just like for investment funds. 38 million EEA-based policyholders could be affected by the loss of passporting rights, says the Bank of England. It won’t tell me how many of those are pensions. The Association of British Insurers is really worried about this. Its Brexit chief Jonathan Beer says insurers face the “the unacceptable choice between breaking their promise to customers or risk breaking the law”. But what are Mr Beer’s members doing about it? My pension provider has taken the sensible route by using existing EU laws. Aviva, the UK’s largest insurer, will shift all its non-UK policyholders to its base in Ireland. That’s good, yet complex and long-winded. Aviva needs to apply for High Court approval and demonstrate that no customer will be ‘materially affected’. Explanatory letters should be in the post soon, so I have absolutely made sure that Aviva has the right address for me. And I’ll be keeping hold of all the paperwork. I don’t want the Spanish authorities hitting me with a capital gains tax bill for Brexit-proofing my pension.
BREXIT-PROOF: PRIVATE PENSIONS Check with your provider or administrator, hotline numbers are on your last statement. Lost your pension? Try the pension tracing service. +44 191 215 4491
INVESTOR PROTECTION SCHEMES Protection schemes are there for when financial services providers go bust. The UK Financial Services Compensation Scheme has different levels of compensation for bank and savings accounts, and for investments. Most insurance, including some insurance-based pensions, are covered 100%, but not all. That depends on where you live now, when the policy was issued and how. If in doubt, ask your product provider. Defined Benefit pension schemes that have already been rescued by the Pension Protection Fund should be safe, however. A FINAL WORD I repeat: your circumstances will be different from mine. As a minimum, get paperwork up to date and track down lost investments. Ensure your current address is registered, even for the smallest investment or account. If things change, your provider will tell you, but only if it knows where you live. If in doubt, take advice. Check the adviser is authorised to deal with your situation. UK advisers are registered here, but British compensation schemes may not cover you if you are not a UK-resident. Advisers in Spain should be here and Spanish insurance brokers here. I’m deeply suspicious of schemes that promise to unlock or move pensions from one country to another, like Qualifying Recognised Overseas Pension Schemes (QROPs). Benefits may be lost and charges can be high. Tax authorities may not like them much either. HM Revenue and Customs already slaps a 25% tax on certain QROP transfers. And finally, finally…. everything above may apply in reverse too. EU/EEA residents in the UK may want to check on the savings, investments and pensions they hold outside the UK.
Harry Shindler MBE letter to Fellow Brits Abroad

Harry Shindler MBE letter to Fellow Brits Abroad

FROM…. Harry Shindler MBE

TO ….. All Fellow Brits Abroad

 

We are one step nearer winning the return of our RIGHT TO VOTE.

Friday February 23rd 2018…. 21  years after the start of the campaign…. The House of Commons agreed to send on its way a Private Members Bill, moved by Glyn Davies MP.

The Bill would give us back our right to vote. But this is not the end of the road, not yet; there will still be hurdles on the way.

So whilst a gallant band of MPs are battling for us in Parliament we can help them……

A short note to the MP in your last Constituency asking him/her to support Glyn Davies’ Bill and reminding your MP that your family, in his Constituency, hopes he will support the Bill.

We have come this far because of the support and activity of Ex-Pats everywhere the call now is WRITE A NOTE TO YOUR MP

 

Our MP supporters in the House….

  • Sir Roger Gale MP
  • Mike Gapes MP
  • Sir Geoffrey Clifton-Brown MP
  • Glyn Davies MP
  • Dunne Philip MP

…. a real Role of Honour

If you don’t know who your MP is, then a note to Glyn Davies MP telling him you support his Bill.

If this is the final assault, then let’s all get involved….

As the Leader of Votes for Women said many years ago
WE SHALL WIN BECAUSE WE ARE RIGHT

 

To find out more details on Bremain’s Votes for Life Campaign you can link to the page by clicking the image below.

Votes for Life

Update June 26 2018 – here’s the link to a Bloomberg article about Harry’s case:

Brexit likened to Dunkirk

Update July 04 2018 – here’s the link to a Guardian article about the case due to be heard tomorrow:

Court to hear Brexit Challenge

It Matters To Me ….

It Matters To Me ….

In February, we were thrilled that Best for Britain sent Kyle Taylor to host a joint Barnstorm event in Alicante, attended by around fifty members of Bremain in Spain. To date, we have held Bremain Barnstorms in Girona, Torrox, La Herradura and La Linea.

‘What’s a Barnstorm?’ let me tell you – it’s an event where we talk you through practical steps to fight Brexit and the actions you can take.

One of the fundamentals of the Barnstorm is to understand the issues that affect us and to share those with others. We all have our own reasons to fight Brexit, some will be the same and some totally different. We do an exercise called ‘ It matters to me …..’ where, in a short statement, you describe why fighting  Brexit is important to you and on Saturday, April 28, Bremain in Spain members were invited to submit their own statements which we’re happy to share with you below:

 

“It matters to me because I am European. I live in Europe, I work in Europe, I’ll retire in Europe. I want to keep that freedom and I want others to benefit from it too.”

 

“It matters to me because I am European. Freedom of Movement allowed us and our pets to move to Spain 17 years ago. It allows us to work, live and love anywhere in the EU. We love it here in Spain.”

 

 

“It matters to me because my human rights are being removed against my wishes.”

“It matters to me because I AM EUROPEAN. My parents were European immigrants. I was born in the UK, but I have loved having my EU citizenship, giving us all the freedom to travel, work and live within Europe, as I do now.”

 

“It matters to me because I am European, I live in Spain and have French family as well as grandchildren in UK. I would like all my family to be able to live and work in Europe and have the opportunities I have had.”

 

“It matters to me because I have a daughter born in Spain, I have lived here with my Swiss partner 11 years and built a life for myself. No-one should have the right to take that away, including governments!”

“It matters to me because I’ve lived, worked and studied in peace and happiness in various EU countries and only by remaining full EU members can those same freedoms and privileges be preserved for my children and grandchildren.”

“It matters to me because….it matters to so many of YOU…believe me we at Bremain in Spain will continue with all we can to #StopBrexit…… and I know I speak for all my colleagues/friends here.”

 

“It matters to me because …
I AM EUROPEAN”

Votes for Life must only be the beginning: Alastair Stewart

Votes for Life must only be the beginning: Alastair Stewart

When proposing better voting rights for expats abroad one of the most common
questions is ‘why?’

The argument follows that if someone has left the UK, there’s absolutely nothing the British government could do to affect them. From the signing of the Schengen Agreement in 1985 to the Brexit vote in 2016, this argument held water. The interim years saw the end of the Cold War, the emergence of globalisation and the advent of cheap flights. The world, they said, was your oyster and UK political happenings were low down the list of expatriate priorities.

The figures back this up. According to the Office for National Statistics the number of registered overseas voters had never risen above 35,000 before 2015. In the run-up to the general election of the same year – which placed an EU referendum front and centre – the number jumped to 285,000. The introduction of online voting registration in 2014 dramatically eased the process of registration, and overseas voting numbers remained consistent ahead of the snap 2017 general election as well.

The 15-year limit on expatriate voting rights was never a dramatic political point until the Brexit vote. Out of 5 million British citizens living abroad, including the 1.2 million in Europe, the UK Cabinet Office confirmed that up to 3 million people would be denied a vote because they’d lived away for longer than 15 years.

In the 2015 and 2017 general elections, abolishing the arbitrary 15-year cap was a manifesto pledge of both major political parties excluding Labour which emphasised lowering the voting age to 16 instead.

After the Conservative Party win in 2015, the pledge was featured in the Queen’s Speech but was never implemented before the EU referendum the following year or before the general election the year after.

The Cabinet Office stated that there was not enough time to change existing legislation before Parliament was dissolved and the situation remains unchanged. ‘Votes for Life’ was again featured in Theresa May’s 207 manifestoes but was not included in the Queen’s Speech of that year. Conservative MP Glyn Davies instead tabled a Private Member’s Bill – the Overseas Voters Bill –  on 19 July of the same year. While the Bill had its second reading in the House of Commons on 23 February 2018 with government support, it still has to go into Committee Stage, but the date has not been set.

While the passing of the Bill will likely meet the government’s pledge of legislating on the issue before the 2022 general election, it will most likely not be in place before Brexit on March 29, 2019. On the off chance there was to be another referendum on any final deal, the most populous territories of expats – 308,000 British citizens in Spain, 254,000 in Ireland and 185,000 in France – would again be denied a say on their future.

The situation is not new. Before 1985, British citizens living abroad couldn’t vote in UK Parliamentary elections. From the 1970s there was political pressure to extend the voting franchise to citizens living and working abroad. The debate culminated in the Home Affairs Select Committee recommending in 1983 that all UK citizens resident in the then European Economic Community (EEC) be given voting rights in parliamentary elections.

Margaret Thatcher’s Government introduced a Bill proposing a seven-year limitation to British residents overseas. However the final legislation – the Representation of the People Act (1985) – limited the cap to five years. After the 1987 general election, the Thatcher government reaffirmed its commitment and extended the period of eligibility for overseas electors to 20 years with the 1989 Representation of the People Act (the government had initially recommended a 25-year cap).

By 1998, the Home Affairs Select Committee published a report calling for the reduction in eligibility to five years arguing that UK residents away for so long lose a legitimate connection to home. The Political Parties, Elections and Referendums Bill (1999-2000) introduced by Tony Blair’s government included a provision to reduce the limit to 10 years, albeit an amendment for 15 years was passed and remains in place to this day.

Brexit has demonstrated that it’s not enough for expatriates to exclusively rely on their host nation or one of the 80 British embassies and 49 consulates across the world for representation. Votes for Life are part of the solution, but not the concluding reform needed. Although the Overseas Electors Bill (2017-19) has received formal government backing and broad cross-party support, it’s subject to easy politicisation and is by no means a shoe-in.

Support from the government, to the cynic, might be considered assuaging wounds ahead of the as-yet-unknown Brexit terms. As a Private Members’ Bill, as opposed to formal government legislation, the Conservatives are in the position to support with lip service without promoting in practice. The Second Reading was barely attended in Parliament, and Labour MP Sandy Martin made the case that, much like with Scotland, it’s wrong for people not resident and affected by political issues to determine the results of those issues.

Martin’s argued that those who do not pay taxes in the UK should not be entitled to vote after a period of time, and this view will undoubtedly be shared on the government benches. Additionally, Martin’s disagreement with Labour International president and MP Mike Grapes on the proposal is telling and questions the effectiveness of the Labour Opposition to see the legislation through.

This view is not wrong, and will likely gain traction with the public. The solution is the introduction of a package of reforms including Votes for Life, and the establishment of MPs exclusively elected by overseas citizens for global constituencies. The model exists in France, Italy and Macedonia and must, and should, be part of a serious conversation to fix democratic disenfranchisement to restore voting rights.

Until then, there will always be the spectre of the gun over the democratic rights of five million people who have exercised their other right to move, work and settle where they please. Such decisions are not a zero-sum game with British citizenship and shouldn’t be treated as such.

 

Alastair Stewart is a freelance writer and teacher between Scotland and Spain. You can learn more and support his petition here for the introduction of MPs to represent British citizens abroad.