WELLINGTON Isaiah Wynn Color Rush Jersey , Oct. 29 (Xinhua) -- The drive to build badly-needed homes has helped drive up the number of businesses in New Zealand past the half million mark for the first time, the government statistics agency said on Thursday.


New Zealand had 502,000 businesses as of February 2015, up almost 2 percent year on year and up 14 percent from 2005, according to Statistics New Zealand.


The number of paid employees passed 2 million Patriots Jordan Matthews Jersey , up 2.3 percent year on year.


The construction industry continued to lead the increase, with 3.7 percent more businesses and 6.4 percent more employees in 2015 than in the previous year.


"The increase in the construction industry was mainly due to residential building," business register manager Stuart Pitts said in a statement.


"There were 22,000 employees working in the residential building industry in February 2015, an increase of 11 percent and in line with continued GDP (gross domestic product) growth in this sector since 2013."


The largest increase was in Auckland - home to a third of New Zealand's population - where soaring house prices have been described as a risk to financial stability by the Reserve Bank of New Zealand.


The earthquake-battered Canterbury region came second.


For the fourth year in a row Patriots Jeremy Hill Jersey , the number of new businesses was greater than the number that closed.


"Of all the businesses that started up in 2005, 27 percent were still operating in 2015," Pitts said.


"This 10-year survival rate varied across industries, with 36 percent of financial and insurance services businesses carrying on into their 10th year, compared with only 18 percent of information media and telecommunications businesses."


The figures were released the same day as a report ranking New Zealand second - after Singapore - in the best places in the world to do business.


The World Bank's Doing Business report is an annual study measuring government regulations and their effect on business across 189 economies.


"New Zealand has been ranked second for ease of doing business for the second year in a row Patriots Cyrus Jones Jersey ," Regulatory Reform Minister Steven Joyce said in a statement welcoming the report.


New Zealand ranked first in four of the 10 categories measured, including starting a business, registering property, getting credit and protecting minority investors.

Banks in the United Kingdom are under increased pressure to pay back the thousands of customers who they have been overcharging. And this means six years worth of refunds. All this comes from a case last year when a bank was taken to court by a customer who wanted those charges refunded. With the bank failing to show up, the court had no option but to uphold the claim Patriots Danny Etling Jersey , and refund the gentleman. This story has caused a sensational media storm, and raised awareness to just how much the banks have been allowed to get away with.

The media coverage seems to have also forced the hand of The Office of Fair Trading (OFT), who has launched an investigation into bank charge levels. It was The OFT who imposed a ?12 restriction on credit card companies, stating customers could be charged no more than this for late payment s and over limit fees.

The court case that started the ball rolling, was initiated by a solicitor. His claim was that the money his bank had charged him Patriots Jordan Richards Jersey , was in breach of a law, which states that financial penalties cannot be accrued on a non-negotiated contract. A law drawn up in 1915, it states that a bank account?s terms and conditions, make it a non-negotiated contract. Under this law, banks are only authorised to reclaim their actual financial loss in relation to any breach of contract. So if they have a customer that goes over his or her overdraft limit Patriots Malcom Brown Jersey , and they have to generate a letter, they should only be chargimg the customer for how much it cost them to actually make the letter and send it. The cost of this, according to the banks, is ?28-?40. And this cost is applicable for every day after that, that is spent overdrawn Patriots Joe Thuney Jersey , and also for any direct debits or cheques unpaid. These charges are widely thought unfair, and not comparative with how much the management of an overdraft actually costs the bank. It is therefore deemed unlawful.

So for a period that is inclusive of the previous 6 years, the U.K. law states that people can claim back the money that is owed to them. The banks have only been capable of defending their shamefully bloated charges to the media. In a court of law, where it matters, they fail to even show. This is because they will be incapable of showing that their loss is anywhere near the amount that customers have been charged. If they were to loose just one case in court Patriots Deatrich Wise Jr. Jersey , they would be liable to pay back every single customer. Their money spinning fee structure would have to be scrapped. A ?4.5bn profit last year from penalty charges means that the banks don?t want to go to court. They will just refund anyone who claims against them.

It isn?t just a case of sending the bank a letter though. What the banks are doing is waiting until they are summoned to court. They then play with their valued customers, to see who will pull out first. All very moralistic. This does not seem likely to stop. The only thing that is likely to stop it is if the banks go to court, which they will not, or if The OFC bring in restrictions to stop the banks from being able to charge people so much. So the needy people who are experiencing financial difficulty will just have to carry on suffering.

Author's Resource Box

This article is written by Jonathan L Walker, on behalf of Claims Management UK Patriots Antonio Garcia Jersey , specialising in helping people with their Reclaim Bank Charges

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