There are two bad ideas in the offing from the government. The first is the proposal that people should be allowed to add extensions without planning permission. Can you imagine the disaster of next door being sold to aspirational know-alls who want everything they can legally get without a thought for the effect on their neighbours? These permissions were put in place for good reason and work well. Local authorities know their patch. Why in the big society with the accent on localism, is central government intending to issue this directive to change the law? If they seriously think that this absurd proposal will kick start economic growth, they are both desperate and deluded.
The second is the idea of granny and grandpa pledging their pension fund as security for the younger generation to borrow to buy a house. What happens when they lose their jobs, the house is repossessed and the bank call in the guarantee? Who pays for the old folk when the bank have helped themselves to the pension fund? The financial crisis has its root in borrowing to buy more than we could afford. Yet this government is obsessed with schemes to facilitate borrowing. Cameron says you cannot borrow your way out of a debt crisis. Why is he constantly supporting ministers who think up new ways to borrow? He sounds like the alcoholic who promises to go on the wagon after one more drink.
Once the party conference season is over and the reality bell rings again, there is work to be done before it is too late.
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