Showing posts with label cash for crash. Show all posts
Showing posts with label cash for crash. Show all posts

Friday, July 23, 2010

A Diversity Tax ?

This blog, way back.

One of my hobby-horses is the question of culture. For some reason UK liberals believe (or claim to) that, no matter whence you hail, the moment you set foot on UK soil the mystic properties of Old Albion (or Cymru or Alba or Erin) flow up through your shoes and make you just like the natives - in terms of your propensity to evil. But in the case of your propensity to good, all the good bits of your culture magically stay, enriching the poor natives by the power of diversity.
My car insurance, which includes a 20 year old and an 18 year old, has gone up by about 25% this year.

The cost of car insurance has grown at its fastest rate, in large part due to a rise in fraudulent claims, according to data released today.

Cases of insurance fraud have been on the rise since the recession began. Figures to be published by the Association of British Insurers (ABI) later this week are expected to show that these are still on the rise. As it is, the ABI puts the total cost to the industry of undetected general insurance claims fraud at £2bn per year. This adds around £40 a year to the insurance premiums paid by all policyholders.

The most common and costly form of general insurance claims fraud is "opportunistic retail fraud". This is where individuals exaggerate or inflate genuine claims to increase the value of a payout.

But there has also been a big rise in organised fraud, where criminal gangs work to systematically defraud insurers. The most common way of doing this is via a "cash for crash" scam, where criminals stage accidents, typically at roundabouts, by slamming their brakes on suddenly causing the car behind to crash into them. The fraudsters then claim for the cost of repair or replacement of their vehicle on the innocent driver's insurance. At a high court case in February, an organised ring of "cash for crash" insurance fraudsters was ordered to pay its victims almost £400,000 after seven insurers joined together and successfully sued the fraud ring.

The Insurance Fraud Bureau estimated in 2008 (pdf) that "Such payouts are potentially costing the average policy holder an extra 5 percent on their premium every year."

I wonder if it's gone up since then ?

I've been looking at "cash for crash" since 2006.

The "cash for crash" number one hotspot was Blackburn, where there have been 1,710 incidents over the last seven years, according to figures from the recently-formed Insurance Fraud Bureau (IFB).

The next worst locations were Bradford (1,669 incidents), Birmingham (1,510), Oldham (1,034), Bolton (986) and Manchester (979). The scam was first spotted in North West of England but had now spread to London and the South East, said the IFB.
In May 2010 Direct Line released the Top Ten cfc hotspots by physical location :

  1. Centenary Way, Trafford Park, Manchester
  2. Haslingden roundabout, Junction 5, M65
  3. Scotland Road roundabout, Junction 13, M65
  4. Gannow Top roundabout, Cavalry Way, Burnley
  5. Eden Point roundabout, A34, Stockport
  6. Denham roundabout, M40
  7. Jarman Park, A414, Hemel Hempstead
  8. Parkway Uxbridge Road A312 / A4020
  9. Port Way / Strand Road junction , Preston
  10. Junction 24 roundabout, M25
Still heavily biased towards Preston/Blackburn/Burnley. I see Southall, Slough (Denham - or is that an unwarranted assumption and it's people from Gerrards Cross ?) and Luton in the mix, too.

I trust when our rulers calculate "the enormous economic benefits of immigration" (pdf) that such factors are being taken into account.

Being able to count on a basic standard of honesty is a great economic good - because it means there's no requirement for a huge compliance overhead (to be fair, honesty among the Native Brits has also declined rapidly over the last 50 years, if the crime figures are anything to go by). The same applies even more in voting, and in spades when it comes to the administration of justice :

A Crown Prosecutor and barrister has admitted dropping cases for cash.
I am not one who is easily shocked, but this is something that I would have found incredible at first sight. This man has betrayed so much that our society values that I can only expect the judge to hand down the most severe sentence when the time comes.
None so blind as those that will not see, eh ?

Monday, November 17, 2008

Cash For Crash

A few stories - Luton :

The 13-man gang was sentenced at St Albans Crown Court 4 August. It had been making dishonest claims to insurance companies for compensation totalling more than £250,000 relating to road traffic collisions that had never happened. Members of the gang were associates or relatives of two brothers, Bobby and Umear Gul. One of the gang-members was a partner at a garage in Luton, which claimed to have towed away vehicles from the staged-accident scenes. Investigations began when the Hertfordshire Constabulary officers contacted the IFB because some of the collisions hadn’t been reported to police. The IFB subsequently identified numerous interlinked car insurance claims. Officers took hundreds of statements from insurance companies, auction houses, vehicle examiners and other related agencies as part of investigations.

The gang's sentences. Not exactly hefty deterrent sentences, to put it mildly :

Umear GUL (30)
Rickmansworth Rd, Watford
Sentenced to two and a half years' imprisonment.

Ummar HUSSAIN (29)
Leagrave Rd, Luton, Beds
Sentenced to 15 months' imprisonment.

John DAVIES (43)
Rickmansworth Rd, Watford
Six-month suspended sentence.

Nichola DAVIES (38)
Rickmansworth Rd, Watford
Four-month suspended sentence.

Charlotte BATES (26)
Courtlands Close, Watford
Sixteen-week suspended sentence.

Umbreen RAHMAN (33)
Busch Close, Isleworth, London
Sixteen-week suspended sentence.

Nabeel SARWAR (25)
HMP - Serving a sentence for a previous fraud
Sentenced to four months' imprisonment.

Nadeem BUTT (38)
Charlock Way, Watford
Twenty-week suspended sentence.

Stephen CARVER (37)
Lark Rise, Hatfield
Twenty-week suspended sentence

Shuaib SIDDIQY (30)
Denbigh Rd, Luton
Four-month suspended sentence

Allan ELTON (41)
Ackworth Crescent, Luton
Twenty-week suspended sentence

Khaleeq UR-EHMAN (30)
Milford Close, St Albans
Six-month suspended sentence



Bolton :

A MOTORIST admitted deliberately causing car crashes so he could make bogus insurance claims. Mohammed Patel, aged 23, tried to make people crash into him by braking suddenly and swerving, then used false witness statements to back up insurance claims, a court heard. Patel, of Nottingham Drive, Bolton, admitted to 17 charges, including conspiracy to commit fraud, dangerous driving and driving whilst disqualified when he appeared at Minshull Street Crown Court in Manchester. He is one of the first to be charged with this kind of crime in an ongoing investigation by the police and the Insurance Fraud Bureau.

Figures released by the IFB show that Bolton is the fifth worst town in the country for “crash for cash” fraud. The IFB estimates that there have been 986 staged accidents in Bolton since 1999, placing the town above Manchester, Leeds, Liverpool, Sheffield and Newcastle in the hotspot rankings. Only Blackburn, Bradford, Birmingham and Oldham have worse records.

Hmm. Blackburn, Bradford, Birmingham, Oldham and Bolton. What could be the common factor here ? It must be that they all vote Labour or Lib Dem !

This sounds a little more sophisticated :

The director of a multi million pound accident management company was arrested for conspiracy to scam UK motor insurers.

The 23 year-old director has possibly made millions by submitting fraudulent accident claims to insurers and has covered this activity by engaging in other business activities, including involvement in numerous London-based accident management companies.

Officers from the Traffic Operational Command Unit began their investigation, codenamed Operation Scarp, eight months ago when insurance companies identified irregularities in the claims being made and the IFB contacted the police.

So-called 'cash for crash' scams have typically involved staged crashes, where fictitious paper-based claims were submitted to insurance companies. They have usually involved a low and high value car, where the low value car was 'at fault'. The party was able to reap maximum pay-out from the claim, including cost of repair, vehicle storage and significant sums for often phony courtesy cars.

In the case of the arrested man, detectives estimated that the director was making an average of £40,000 per dishonest claim by engaging in this type of activity. Part of this sum was generated by his company’s leasing business, which specialised in hiring out high value vehicles such as Mercedes, BMWs and Jaguars costing insurance companies several hundred pounds a day.

Some muddy boots from the curate's hall

OK, so we've known for ages that France's youth of North African heritage aren't integrating tebbily well.

More straws in the wind :

They are born in France and called Louis, Laurent or Marie but they want to become Abdel, Said or Rachida. Such requests from immigrants’ children for name changes are mounting in the French courts and worrying a state that lays store on melding a single national culture.

In a sign of a new assertiveness, children with families from Algeria, Tunisia and Morocco are reversing the old custom in which immigrants from the old colonies gave French names to their children.

Driven by a feeling that they do not belong to their Gallic Christian names, the applicants are meeting resistance from judges who are reluctant to endorse what they see as a rejection of France.

Under France’s strict administrative laws, an official change of first name requires court consent. Until 1992 parents could only register their babies with names from an approved list.

“The way I look is out of sync with my name,” said Jacques, 25, who wants to adopt a name from his parents’ native Algeria. He rejected the standard view that a French name overcomes the persisting reluctance of French employers to recruit nonwhite minorities.

“There is a double-take when I send a job application and then turn up for the interview. They hesitate, as if the person they have summoned could not be me,” he said.

There is abundant evidence that, despite antidiscrimination laws, French employers discriminate against job-seekers with foreign names. Nadine, who is in her forties, failed to convince a Paris court to let her go back to Zoubida, the name she had before naturalisation. “I want to return to my roots,” she told Judge Anne-Marie Lemarinier, according to Le Monde newspaper.

“My name change makes me feel guilt towards my family.” The judge replied: “Madame, I can understand that you want to identify with your community but the law does not have to bend to people’s moods.”

Frédéric Grilli, a Melun lawyer who acts for applicants, said that there was a connection between the desire to claim Maghebrin (North African) identity and France’s three-year-old ban against girls wearing Muslim headscarves in state schools.

Dominique Sopo, president of SOS Racism, a campaign group, said that France’s policy of integration was failing. “It rejects, stigmatises and consigns to the ghetto. This incites a retreat into community identity,” he told The Times.

“There is an enormous gap between political speeches on integration and the reality. But who can believe that changing a name can change something? It is sad to have got to that point.”



Another immigration scam. Damn clever these Chinese. You'd think such clever people could just read up to pass the 'citizenship tests', but no :

A criminal gang used elaborate James Bond-style spy gear to help Chinese immigrants cheat on citizenship tests. Two men have been jailed after using hi-tech hidden cameras, transmitters and surveillance gadgets to tell candidates sitting the exams the right answers. The Life in the UK test is the last step towards earning citizenship and those who pass are then entitled to apply for a British passport.

But there are fears unsuitable candidates may have earned the right to settle here thanks to a highly sophisticated scam to cheat the questions. Participants, who did not understand English, went in to a test centre in Wimbledon library, south west London, armed with a hidden shirt buttonhole camera, microphone and earpiece.

In a scam akin to a scene in a James Bond movie, two fraudsters sat outside in BMW car packed with hi-tech equipment and a laptop and directed them to tick the right answers via the secret link. When police first came across the pair they thought they were running a cashpoint fraud, skimming the cards of unsuspecting users. But it emerged they were helping Chinese nationals undertake the multiple choice immigration tests in the nearby building. Police fear the gang were earning thousands of pounds and a sophisticated network that could be spread across the UK.

In the Life in the UK test, applicants are asked a series of multiple choice questions about day to day life and traditions in the country. It is supposed to allow them to demonstrate they have a basic command of English and knowledge of the country they are hoping to settle in. But it has been open to abuse. Last year four men were quizzed over claims of a nationwide scam at a centre in South Yorkshire to help immigrants achieve British citizenship status.

In the latest case, Sergeant Dominic Washington, of Merton Borough police, said those behind the elaborate scam made thousands of pounds profit. He said: "When we first arrived at the scene it was very confusing as to what exactly was going on. However, working with colleagues from across the borough and the Met we believe that we have uncovered an established criminal enterprise that may be in operation in other parts of the country. We will now be educating colleagues about this type of crime, and hopefully its raised profile and extra vigilance from police will deter others from getting involved."

Steven Lee, 36, and Rong Yang, 28, of Redhill, Surrey, were jailed for eight months at Kingston Crown court earlier this week after they were found guilty of facilitating a breach of immigration law. Two Chinese men who took the test, Ka Hung Pang, 52, of Horsham, and En Zhuang, 38, of Deptford High Street, were sentenced to 180 hours community work for deception.



Remember the new phenomenon (strangely prevalent in certain towns) of 'cash for crash" fraudsters ? The guys who brake sharply in front of you, supply witnesses to the accident, and who all turn out to have been injured in the bump ?

It looks as if a toxic mix of cash-for-crashers and ambulance-chasing persoanl injury solicitors (those "if you've been involved in an accident - and it wasn't your fault - call us" adverts in local radio and Classic FM), plus the happy fact that whiplash injuries are self-reported, is spurring a boom in personal injury claims for whiplash.

Over 430,000 people claimed for whiplash in 2007, up by a quarter in the last five years. These claims cost nearly £2 billion a year in compensation.

Treating whiplash injuries now costs the NHS approximately £8 million a year in consultation fees.

The UK is the whiplash capital of Europe: 75% of motor personal injury claims are for whiplash, compared to an average of 40% throughout the rest of Europe.

Many drivers and passengers are at risk: 75% of drivers are unaware how head restraints should be correctly positioned.
They have to say that last bit. After all, some of these claims might even be kosher. The ABI report (pdf) reflects this ambivalence - outrage at the ripoff tempered by the knowledge that you can't start calling all the punters crooks. There's lots of stuff in it about getting the headrest set up properly. But the key bits are :

"Over 432,000 people make a whiplash claim every year – equivalent to one in every 140 people in the UK. This is six times more than the total number of people who make workplace injury claims every year. And the problem is getting worse – the number of people with cause to make a whiplash claim has increased by 25% over the last five years, so it is no surprise that whiplash now leads to nearly £2bn per year in compensation payments – accounting for 20% of the typical car insurance premium."
That means my family's stumping up about £200 pa in whiplash claims. Admittedly our premiums are high because our eldest is a driver.

At the same time that whiplash claims are rising, the Government’s road casualty statistics suggest that our roads are getting safer ... We must also consider why, though, we seem to have such a greater tendency to get whiplash than the rest of Europe. Do we really have weaker necks? Part of the answer must lie in our failing personal injury compensation system and our no-questions-asked approach to whiplash ... it is important that it is not always assumed that everyone in a car collision is likely to get whiplash, and that GPs take this into account in their more rigorous approach to handing out sick notes.
Translation - "these ******** are ripping us off - or more precisely, ripping the non-claiming motorist off - after all, we just raise the premiums. The personal injury firms and the 'injured' are conning us - and the GPs are turning a blind eye"

This increase in whiplash claims contrasts with the Government’s road casualty statistics, which indicate that the number of ‘slight’ injuries from road traffic collisions is falling ... Whiplash claims form a much higher proportion of personal injury claims in the UK than elsewhere in the EU.
Translation - "therefore it's likely that most of the claims are fraudulent"

"The diagnosis of whiplash injuries is dependant on self-reported symptoms .."

Translation - "So if you say your neck hurts you'll get the money ... the solicitors are coaching the claimants - not that they need much encouragement .."

The current level of legal costs is completely disproportionate. For every £1 paid by insurers in personal injury compensation, an additional 88p is paid to claimant representatives in motor claims under £5000. The majority of whiplash claims fall in this bracket;

It (the current system - LT) encourages the practice of solicitors paying for details of those involved in road collisions. Once the solicitor has paid a ‘referral’ fee to organisations that collect such information, the solicitor has a vested interest in ensuring a claim materialises.
Translation - "Like a large number of claimants, the solicitors are crooks who are in it for the money. They're making nearly as much as the claimants"

Insurance Fraud Bureau (IFB) estimates that those detected fraudulent claims based on ‘staged’ accidents represent 5% of whiplash claims, costing the insurance industry between £75 - £110 million per annum.
So the 'cash-for-crash' industry is a £100 million pa industry. And we're paying them through our premiums.

In addition there are opportunistic fraudulent claims, which are less easily detected and therefore difficult to measure.
If whiplash is diagnosed on self-reported symptoms, once word gets round you're dependent on the general level of honesty in a society. Oh dear.

Wednesday, March 26, 2008

A Few Primroses From The Curate's Coppice

In one postcode area of Bradford, nearly 60% of vehicles are uninsured.

The Motor Insurers' Bureau, which compiled the figures, estimates there are 30,500 uninsured vehicles across the Bradford district.The BD3 area, comprising Barkerend, Bradford Moor and Thornbury, tops West York-shire's league of shame, with 4,403 uninsured vehicles, which equates to 57.3 per cent of all vehicles in that postcode area.The BD8 area, which covers Girlington, Manningham and Lower Grange, is the second worst in West Yorkshire, with 42.7 per cent of vehicles uninsured.The BD5 area, which takes in Little Horton and West Bowling, and BD7, including Great Horton and Lidget Green, are the third and fourth worst.

Not all vehicles in that fair city are uninsured though, or Bradford wouldn't also be near the top of the table for the 'cash-for-crash' insurance scam.




Almost 2,000 immigrants are being granted the right to live and work in Britain every day, official figures have disclosed. More than 710,000 foreigners received National Insurance numbers last year, an increase of eight per cent from 2005-06, according to figures published yesterday.



Some useful and illuminating figures at the National Literacy Trust on literacy and education levels by ethnic group.




The increasing influence of Islam on British culture is disclosed in research today that shows the number of Muslims worshipping at mosques in England and Wales will outstrip the numbers of Roman Catholics going to church in little more than a decade.

Projections to be published next month estimate that, if trends continue, the number of Catholic worshippers at Sunday Mass will fall to 679,000 by 2020. By that time, statisticians predict, the number of Muslims praying in mosques on Fridays will have increased to 683,000.





Children with English as their first language are now in the minority in more than 1,300 schools, according to official figures. The Daily Telegraph (19/12/07)has obtained data from the Department for Children, Schools and Families illustrating the impact of high levels of immigration on the education system.

The figures show that in a total of 1,338 primary and secondary schools - more than one in 20 of all schools in England - children with English as their first language are in the minority. In 600 of these schools, fewer than a third of pupils speak English as their first language.

Top 30 councils, percentage of schools where English speaking children are in the minority :

Newham - 87.65432
Tower Hamlets - 76.19048
Westminster - 72.34043
Brent - 68.05556
Ealing - 61.84211
Hackney - 61.29032
Haringey - 60.27397
Kensington and Chelsea - 60
Harrow - 54.6875
Camden - 52
Waltham Forest - 43.83562
Redbridge - 43.28358
Lambeth - 42.85714
Hounslow - 41.89189
Hammersmith and Fulham - 39.53488
Slough - 36.84211
Enfield - 31.3253
Leicester - 31
Blackburn with Darwen - 30.30303
Barnet - 30.18868
Bradford - 30.10753
Islington - 29.62963
Southwark - 29.62963
Birmingham - 26.66667
Luton - 25.75758
Wandsworth - 22.72727
Oldham - 21.10092
Manchester - 18.70968
Greenwich - 18.18182
Rochdale - 17.64706


Interesting to compare this with the top 10 local authorities for births.



A possible Scottish back-door immigration route :

Sir Trevor Phillips said the Government's new points-based immigration system should be weighted to encourage skilled foreigners to move north of the Border rather than settle in London or the south-east. Critics warned last night that less strict rules north of the Border would lead to Scotland becoming the "back door" for migrants to enter the rest of the United Kingdom.

The number of migrant workers entering Britain annually to find skilled employment will reach a record 212,000 this year, business experts have predicted. An in-depth study found the influx of people seeking well-paid jobs in 2008 will be more than double that of 1997, the year Labour came to power. The report, by the Centre for Economics and Business Research, forecast there will be a total of 812,000 skilled migrants living here by 2012. A decade ago there were 400,000.




A whole slew of Telegraph links on the economy. Commentators seem to think either

a) we're reaping what Alan Greenspan sowed - by pumping in money every time a market crisis threatened he introduced moral hazard and dodgy practices of all kinds.

b) given the magnitude of the market crisis, his successor is quite right to do it again.

Some of them, like Ambrose Evans-Pritchard, seem to think both.



Across the water in what was once ould, Catholic Ireland, Ulsterman Seamus Heaney bemoans the cultural collapse which enables the Irish Government to whack a motorway through the Hill of Tara.

Mr Heaney, who is a fixture of the national secondary school curriculum, said that Tara represented “an ideal of the spirit” that was fundamental to what Ireland meant. “Tara means something equivalent to what Delphi means to the Greeks, or maybe Stonehenge to an English person, or Nara in Japan, which is one of the most famous sites in the world,” he said.

“It’s a word that conjures an aura — it conjures up what they call in Irish dúchas, a sense of belonging, a sense of patrimony, a sense of an ideal, an ideal of the spirit if you like, that belongs in the place. And if anywhere in Ireland conjures that up, it’s Tara."

The 1995 Nobel prizewinner, who is believed to account for two thirds of poetry volumes sold in Britain, said that Tara appeared to have enjoyed more protection while under British rule. He said: “I discovered that W. B. Yeats and George Moore, two writers at the turn of the century, and Arthur Griffith [the founder of Sinn Fein], wrote a letter to The Irish Times some time at the beginning of the last century because a society called the British Israelites had thought that the Ark of the Covenant was buried in Tara, and they had started to dig on Tara Hill.

“They talked about the desecration of a consecrated landscape. So I thought to myself, ‘If a few holes in the ground made by amateur archaeologists was a desecration, what is happening to that whole countryside being ripped up is certainly a much more ruthless piece of work’.”

Mr Heaney said that the country’s present rulers had made “a savage choice, they have made a secular choice. The Government is acting under pressure from secular motives”.




And finally - Matthew Parris has a funny kind of feeling :

When weather, wind and currents are on the turn, say yachtsmen, a curious, choppy and deceptive water (they call it “an uncertain sea”) can be the result. Such a sight is troublesome not only to the sailor's calculations, but to his spirit.

I think we in Britain are on such a sea in March 2008. The economic wind seems to be gusting one way, while the optimistic language of politicians gusts another. Most of my countrymen, in the backs of their minds, harbour doubts and worries about the future; yet few are sure enough to let it spoil their Bank Holiday plans.


Just as some animals can detect the approach of a storm, a tsunami, or even an earthquake, Mr Parris' sensitive antennae tell him something's amiss. He doesn't quite ask, like Churchill, 'who is in charge of the clattering train ?', but you get the idea :

Who knows what's happening? Perhaps nothing, after all. Perhaps this will all blow over. But what unsettles me goes deeper than a sense of mystery about the future. At most junctures in history there arises the feeling of a lull before a possible storm. Heck, we were in a worse state in 1945, or 1979. Danger was more imminent in the Cuban missile crisis in 1962. The fall of the Berlin Wall in 1989 posited bigger unknowns for the future. But at these crossroads the air was full of ideas: strong ideas, competing ideas, confident philosophies, angry dissent. People had policies. Ideologies clashed. Politicians and thinkers jostled to present their plans. Leaders led.

But what distinguishes this hiatus in 2008 from those earlier forks in the road is the impassivity of our politics, and the idleness of political debate, as we wait. There is a sense of vacuum.

There was not in 1979, as there is now, this curious hollowness in the air. Where today is the bold advocacy, the impatience to persuade, the urgency of argument? Where are the shouts of “Here's how!”? It is as though the stage were set for some kind of theatrical climax, but peopled only with stage hands and the rattle and murmur of the scene-shift. Where are the leading actors, the big voices, the great thoughts?


I have a feeling that before he's an old man, some answers to his questions will present themselves. I'm not at all sure he'll like them.

Sunday, December 10, 2006

Mysterious New Crime Outbreak

As reported by Norwich Union and a number of other insurers.

'Cash for crash' insurance scam hotspots revealed

More than 22,000 fraudulently-staged and induced motor accidents have taken place on UK roads since 1999 and the practice is spreading, it was revealed today.


Insurance fraud, eh ? How does it work ?

Typically in such cases, fraudsters drive to busy road junctions and perform unexpected, unnecessary and dangerous emergency stops designed to cause innocent members of the public to crash into them.

Claims are made to the innocent motorist's insurer, often including several accounts of fictitious injuries from members of the criminal gang.

For each successful scam, the criminals can net up to £30,000 and the IFB said there was growing evidence to show that the proceeds from this type of fraud were used to fund other forms of serious crime, including drugs trafficking and gun running.

Fraudulent insurance claims meanwhile were adding 5% to the premiums paid by the honest public.


Where's this happening then ?

The "cash for crash" number one hotspot was Blackburn, where there have been 1,710 incidents over the last seven years, according to figures from the recently-formed Insurance Fraud Bureau (IFB).

The next worst locations were Bradford (1,669 incidents), Birmingham (1,510), Oldham (1,034), Bolton (986) and Manchester (979). The scam was first spotted in North West of England but had now spread to London and the South East, said the IFB.


Blackburn, Bradford, Birmingham, Oldham, Bolton, Manchester. How very strange. I'm sure those places share something in common. Let's take a look at the detailed data (pdf).

After Manchester, the scallies of Liverpool - then Preston, East London, Luton. Still seeing the pattern. Twickenham, Harrow, Leeds, Southall. It's still there.

What have these places all got in common ? Obvious, isn't it. They all elect Labour or Lib Dem MPs !

UPDATE - the commenters at the Manchester Evening News have noticed too.