Member Info for Richard365054

Yes, Sam Woods is another on a non contributory pension who doesn't reply to emails, along with the Governor of the B of E.

Whilst I'm still awaiting replies to all my letters going back two months ago, with the exception of a standard template reply from our CEO, it's worth reiterating that Lloyds are still sitting on a dividend payment of over £600 million from the 2018 tax year. This was a share buy back they had initiated, but it wouldn't take an ounce of nous from someone to tell the Board to bloody well get it paid to shareholders since it certainly doesn't come under the PRA's remit. It's worth about 0.9p per share.

Theosus, why are you going on about the x type. That's almost 20 years ago and most Jaguar drivers and owners, including myself, never accepted that it was a proper Jaguar. It was during the time of Ford ownership when they thought they could rebadge a Mondeo and pass it off as a Jaguar. Ian Callum began the renaissance for Jaguar from 2007 with the XF.

Theosus, I suggest you read your first line.
By the way, I said British made. I prefer to spend my money benefitting our country's manufacturers and producers.

Theosus, you quite obviously look down your nose at Jaguars, but I've run one for over 5 years and can honestly say I love it and it gives me pride to drive a vehicle built in this country, irrespective of who owns the brand. It has never let me down and moreover, I have never wished to drive a German saloon and similarly have not bought any French produce for years. I will always support my country and it's producers wherever I can.

mrJimV, over 3p per share is what Lloyds have already held back from 2018 and 2019. Plus what isn't used for PPI. They know the shareholders will be watching very closely and if the capital is there and they don't pay it out then the shareholders revolt over Director rewards will get even bigger.

It is, sadly as you say. The one thing I'm keeping my eye on is the shareholder dividend/buyback/PPI capital that the company has not used and belongs to the shareholders. I estimate, allowing for Lloyds stating that 90% of remaining PPI claims were bogus that there is around £3 Billion in the pot, ignoring the 2020 financial year. That equates to around 4.25p dividend per share. Now let's see what actually comes back to us.

Great to hear local shops are showing some benefit and long may it continue. As consumers we generally turned our backs on these decades ago because of the appeal of being able to buy everything under one roof. I think this pandemic has helped to show how communities are better for having local outlets for produce and it will also hopefully help farmers get better prices than being worn down to the bone by the large chains.

I think with the number of people working from home it will be an opportunity to find how many can continue doing so and reducing the amount of travel that was previously needed. A chance also for businesses to reduce overheads.
It's the small businesses I feel sorry for as they need footfall to thrive. I suspect a lot will not reopen and I just hope that small villages are not impacted unduly. One thing I think will happen once the lockdown is eased will be the numbers of people that want to experience someone else's cooking. That might be more difficult because of space implications but by now lots of people will dearly enjoy a meal placed in front of them.

I reckon the stasi have removed 28 posts, but I think they knock off around 5.00pm.

About 27 posts deleted. I look at the posts on other shares and the language and abuse is disgraceful, but they're not deleted. Seems Lloyds gets very special attention, from time to time.

Walkersworld, people may well ignore the consequences of a payment break, but the pain once adjusted payments recommence may lead to some anguish and sleepless nights. The payment holiday rather sounds like the debt is wiped but nothing could be further than the truth. The one God send people have is the lowest interest rate they'll ever experience. I keep reflecting on the 15% I was once paying.

I am curious how many companies with supply chains to China will review their operations as they begin to reopen. A lot of concerning news about but we can't keep living off mounting borrowings.
I was listening to the online AGM and noted how 90% of Lloyd's mortgage business have LTVs less than 80%. I wondered what the spread of LTVs were for those people who had taken payment breaks, plus indeed the additional breaks that some were asking for a further three months. A six month break on a repayment mortgage with ten years to run would have a rather large hike once contributions restarted.

Seems as if we don't live and breathe Lloyds, we can't post on here. Bit like China?

I see the stasi are out in force this morning.

When I first read the year end accounts for AML two comments struck me - one from Marek Reichman and the other from Andy Palmer. Mr Reichman said AML were not body stylists but Design Engineers whereas Mr Palmer referred to the beauty of the new Vantage model. I find Mr Reichman's comments certainly closer to the mark, but sadly also one of the main reasons the Vantage has not been selling and those that have have needed to be discounted.

Since the early 60s Astons have been extremely handsome, veering on beautiful, with a couple of exceptions. The new Vantage misses the mark from the A pillar forward and the beauty of the new Roma is stylistically uncannily close to the DB10 from the front. What a shame Aston didn't apply some design nous to the model before it was released and look at how Ferrari apply passion to the design of their cars. The Roma, whilst being a clone of the DB10 from the front does exhibit style in abundance to it's headlights, something Aston has missed on the Vantage, Valkyrie and Valhallah. It's a small feature but people paying large sums expect uniqueness as well as emotion in the execution of a high premium car.

It's also relevant to point out that the success of the Lambo SUV has been based on the underpinnings of an Audi Q7, Bentayga and also, I believe, the Cayenne. It's a very cost effective and profitable exercise, particularly since the Lambo price is twice that of the Q7. Sadly, Aston cannot do the same as they are a stand alone company.

I hope Aston succeed with the DBX. It is a very pretty car compared to the ugliness of the Bentayga and Cullinan. But they need to apply some design common sense and passion in the execution of their core vehicles. People buy premium cars with a considerable degree of emotion. Aston need to show the same.

RoxburyHouse, that comment is extremely distasteful and significant in showing that a proportion of people on here don't like to hear an alternative view. There's a lot of fantasy and blind faith in this brand and an appraisal of why the brand isn't selling is fully justified. Not liking some of the facts may hurt but I think it's self evident where the Board have gone wrong.

The thing about having a debate about Aston is that many of the problems are self evident and haven't been addressed. Thus the sales have been terrible and the share price accordingly. They have needed to wake up.

Just out of interest and many will choose not to believe, I've never shorted Aston or any other share that I hold.

It's always useful to have a reasoned debate. Without doubt the Vantage has had poor sales and there are very obvious reasons why this is the case. Instead of rudeness and insulting put downs, the rhetoric would be much more useful if counter views were given and justified. So far, it's just bile that's thrown on here if you aren't praising the brand to the rafters.