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Printed from https://www.whatdotheyknow.com/user/joel_m_benjamin on January 16, 2019 01:38

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Joel M Benjamin

Joined WhatDoTheyKnow in 2015

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This person's Freedom of Information requests (approximately 568)

Choice of fixed vs floating interest rate PWLB and bank borrowing 2000-2018
Response by Merton Borough Council to Joel M Benjamin on 14 January 2019.

Awaiting classification.

Hi   I apologise in the delay in coming back to you – could you please provide additional clarification in respect of you second question:   2...
Choice of fixed vs floating interest rate PWLB and bank borrowing 2000-2018
Response by Camden Borough Council to Joel M Benjamin on 11 January 2019.

Long overdue.

Dear Mr. Benjamin   Apologies for the delay in acknowledging your Internal Review request.  The Borough Solicitor will consider your Internal Revi...
Summary of Icelandic Bank Deposits Leading up to 2008 Crash
Response by Westminster City Council to Joel M Benjamin on 9 January 2019.

Long overdue.

Information request Our reference: 8870567 --------------------------------------------------------------------------   Dear Mr Benjamin,   Fre...
Choice of fixed vs floating interest rate PWLB and bank borrowing 2000-2018
Response by City of Edinburgh Council to Joel M Benjamin on 7 January 2019.

Long overdue.

Dear Mr Benjamin   I refer to your recent request for a review of the FOI response issued to you on 12^th December 2018 about your request on Bank...
Please provide the diaries/ calendar of meetings for Matthew Style and Melanie Dawes 2015-2018
Response by Ministry of Housing, Communities and Local Government to Joel M Benjamin on 7 January 2019.

Long overdue.

                             Our reference: 3860281             Information request ----------------------------------------------------------------...
Details of LOBO loan borrowing and brokerage arrangements
Response by Ealing Borough Council to Joel M Benjamin on 4 January 2019.

Awaiting response.

Dear Joel Banjamin,   FREEDOM OF INFORMATION ACT 2000 - INFORMATION REQUEST (ACKNOWLEDGEMENT)   Thank you for your request for information. I...
Summary of Icelandic Bank Deposits Leading up to 2008 Crash
Response by Moray Council to Joel M Benjamin on 3 January 2019.

Long overdue.

Dear Mr Benjamin, Thank you for providing this clarification, I have forwarded this to the department deadline with your enquiry and we will respond...
Details of LOBO loan borrowing and brokerage arrangements
Response by Aberdeen City Council to Joel M Benjamin on 3 January 2019.

Awaiting response.

Dear Mr Benjamin,   Information enquiry reference FOI-19-0004.   Thank you for your recent request for information, which we received on 3 Jan...
Communications re: implementing 'anti-terror' laws to freeze UK Icelandic bank deposits in 2008
Response by Her Majesty’s Treasury to Joel M Benjamin on 3 January 2019.

Long overdue.

Thank you for your email.  This is an automatic acknowledgement to confirm that we have received your communication safely.  Please do not reply to t...
2008/09 Iceland Banking Collapse Evidence
Response by Ministry of Housing, Communities and Local Government to Joel M Benjamin on 3 January 2019.

Long overdue.

                             Our reference: 3881756             Information request ----------------------------------------------------------------...
Choice of fixed vs floating interest rate PWLB and bank borrowing 2000-2018
Response by Bassetlaw District Council to Joel M Benjamin on 3 January 2019.

Long overdue.

Dear Mr Benjamin   I refer to your e-mail of 29 December 2018 requesting that your FOI 539-18 is reviewed.   This will be carried out in line...
FCA decision not to investigate/ take enforcement in relation to ISDAfix manipulation by ICAP
Response by The Financial Conduct Authority to Joel M Benjamin on 2 January 2019.

Long overdue.

Our Ref: FOI6023   Dear Mr Benjamin,   Freedom of Information: Right to know request   Thank you for your email dated 31 December 2018 rega...
Choice of fixed vs floating interest rate PWLB and bank borrowing 2000-2018
Response by Tower Hamlets Borough Council to Joel M Benjamin on 2 January 2019.

Successful.

Dear Mr Benjamin,   Thank you for your email. Please accept my apologies if you did not receive a response. On our system it appears that we respond...
Choice of fixed vs floating interest rate PWLB and bank borrowing 2000-2018
Response by Redbridge Borough Council to Joel M Benjamin on 2 January 2019.

Long overdue.

Information request Our reference: 3979765 Your reference: [FOI #532113 email]
Choice of fixed vs floating interest rate PWLB and bank borrowing 2000-2018
Request to Slough Borough Council by Joel M Benjamin. Annotated by Slough Frog on 31 December 2018.

Partially successful.

> £433m of long term debt is on a fixed rate. > We have 2 Variable rate loans totalling £19m Interesting to know at what rates and when the loans wi...
Supporting documents, profitability and un-redacted report into Butlers-Sector 2010/11 merger
Response by Competition and Markets Authority to Joel M Benjamin on 31 December 2018.

Awaiting internal review.

Dear Mr Benjamin   Please find attached the CMA’s acknowledgement of your request for an Internal Review of the CMA’s response to your request for...
Choice of fixed vs floating interest rate PWLB and bank borrowing 2000-2018
Internal review request sent to Croydon Borough Council by Joel M Benjamin on 28 December 2018.

Awaiting internal review.

Please pass this on to the person who conducts Freedom of Information reviews. I am writing to request an internal review of Croydon Borough Counc...
Choice of fixed vs floating interest rate PWLB and bank borrowing 2000-2018
Request to Birmingham City Council by Joel M Benjamin. Annotated by Joel M Benjamin on 28 December 2018.

Partially successful.

Birmingham = 22.5% variable rate borrowing and 77.5% fixed rate
Choice of fixed vs floating interest rate PWLB and bank borrowing 2000-2018
Response by Hackney Borough Council to Joel M Benjamin on 28 December 2018.

Partially successful.

Dear Mr Benjamin   Re: Freedom of Information Request. Thank you for your request for information under the Freedom of Information Act 2000. We...
Choice of fixed vs floating interest rate PWLB and bank borrowing 2000-2018
Request to Sandwell Metropolitan Borough Council by Joel M Benjamin. Annotated by Joel M Benjamin on 28 December 2018.

Partially successful.

Sandwell BC = 100% fixed rate + discusses 'internal borrowing' - "essentially at variable rate"
Choice of fixed vs floating interest rate PWLB and bank borrowing 2000-2018
Request to Ealing Borough Council by Joel M Benjamin. Annotated by Joel M Benjamin on 28 December 2018.

Partially successful.

Fixed rate borrowing = 98.5%; variable rate = 1.5%
Choice of fixed vs floating interest rate PWLB and bank borrowing 2000-2018
Request to Middlesbrough Council by Joel M Benjamin. Annotated by Joel M Benjamin on 28 December 2018.

Successful.

Variable rate borrowing = 8.9% vs 91.1% fixed rate loans
Choice of fixed vs floating interest rate PWLB and bank borrowing 2000-2018
Request to Westminster City Council by Joel M Benjamin. Annotated by Joel M Benjamin on 21 December 2018.

Partially successful.

Westminster Council = 100% fixed rate loans
Choice of fixed vs floating interest rate PWLB and bank borrowing 2000-2018
Request to Dundee City Council by Joel M Benjamin. Annotated by Joel M Benjamin on 20 December 2018.

Partially successful.

Fixed rate borrowing = 99% of total
Choice of fixed vs floating interest rate PWLB and bank borrowing 2000-2018
Request to Wirral Metropolitan Borough Council by Joel M Benjamin. Annotated by Joel M Benjamin on 19 December 2018.

Partially successful.

33% Fixed rate debt, 67% 'variable' rate debt (note variable includes loans were interest is fixed, but callable)
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This person's 110 annotations

Summary of Icelandic Bank Deposits Leading up to 2008 Crash
Request to Westminster City Council by Joel M Benjamin. Annotated by Joel M Benjamin on 2 January 2019.

Long overdue.

Referred to ICO 02/01/19
Choice of fixed vs floating interest rate PWLB and bank borrowing 2000-2018
Request to Birmingham City Council by Joel M Benjamin. Annotated by Joel M Benjamin on 28 December 2018.

Partially successful.

Birmingham = 22.5% variable rate borrowing and 77.5% fixed rate
Choice of fixed vs floating interest rate PWLB and bank borrowing 2000-2018
Request to Sandwell Metropolitan Borough Council by Joel M Benjamin. Annotated by Joel M Benjamin on 28 December 2018.

Partially successful.

Sandwell BC = 100% fixed rate + discusses 'internal borrowing' - "essentially at variable rate"
Choice of fixed vs floating interest rate PWLB and bank borrowing 2000-2018
Request to Ealing Borough Council by Joel M Benjamin. Annotated by Joel M Benjamin on 28 December 2018.

Partially successful.

Fixed rate borrowing = 98.5%; variable rate = 1.5%
Choice of fixed vs floating interest rate PWLB and bank borrowing 2000-2018
Request to Middlesbrough Council by Joel M Benjamin. Annotated by Joel M Benjamin on 28 December 2018.

Successful.

Variable rate borrowing = 8.9% vs 91.1% fixed rate loans
Choice of fixed vs floating interest rate PWLB and bank borrowing 2000-2018
Request to Westminster City Council by Joel M Benjamin. Annotated by Joel M Benjamin on 21 December 2018.

Partially successful.

Westminster Council = 100% fixed rate loans
Choice of fixed vs floating interest rate PWLB and bank borrowing 2000-2018
Request to Dundee City Council by Joel M Benjamin. Annotated by Joel M Benjamin on 20 December 2018.

Partially successful.

Fixed rate borrowing = 99% of total
Choice of fixed vs floating interest rate PWLB and bank borrowing 2000-2018
Request to Redbridge Borough Council by Joel M Benjamin. Annotated by Joel M Benjamin on 20 December 2018.

Long overdue.

Request internal review
Choice of fixed vs floating interest rate PWLB and bank borrowing 2000-2018
Request to City of Edinburgh Council by Joel M Benjamin. Annotated by Joel M Benjamin on 19 December 2018.

Long overdue.

Internal review - provides borrowing source not % of fixed and floating rate borrowing
Choice of fixed vs floating interest rate PWLB and bank borrowing 2000-2018
Request to Croydon Borough Council by Joel M Benjamin. Annotated by Joel M Benjamin on 19 December 2018.

Awaiting internal review.

Request internal review
Choice of fixed vs floating interest rate PWLB and bank borrowing 2000-2018
Request to Wirral Metropolitan Borough Council by Joel M Benjamin. Annotated by Joel M Benjamin on 19 December 2018.

Partially successful.

33% Fixed rate debt, 67% 'variable' rate debt (note variable includes loans were interest is fixed, but callable)
Choice of fixed vs floating interest rate PWLB and bank borrowing 2000-2018
Request to Manchester City Council by Joel M Benjamin. Annotated by Joel M Benjamin on 19 December 2018.

Partially successful.

As at the end of September 2018, c. 40.7% of the Council’s external debt was fixed.
Choice of fixed vs floating interest rate PWLB and bank borrowing 2000-2018
Request to Leeds City Council by Joel M Benjamin. Annotated by Joel M Benjamin on 19 December 2018.

Partially successful.

100% fixed rate borrowing
Choice of fixed vs floating interest rate PWLB and bank borrowing 2000-2018
Request to Camden Borough Council by Joel M Benjamin. Annotated by Joel M Benjamin on 19 December 2018.

Long overdue.

Request internal review
Choice of fixed vs floating interest rate PWLB and bank borrowing 2000-2018
Request to Islington Borough Council by Joel M Benjamin. Annotated by Joel M Benjamin on 19 December 2018.

Partially successful.

The Councils debt is 100% fixed rate borrowing
Choice of fixed vs floating interest rate PWLB and bank borrowing 2000-2018
Request to Royal Borough of Windsor and Maidenhead by Joel M Benjamin. Annotated by Joel M Benjamin on 19 December 2018.

Partially successful.

100% fixed rate borrowing
Choice of fixed vs floating interest rate PWLB and bank borrowing 2000-2018
Request to Kent County Council by Joel M Benjamin. Annotated by Joel M Benjamin on 19 December 2018.

Partially successful.

At the current time 90% is fixed and 10% of the Council’s debt is variable rate debt
Choice of fixed vs floating interest rate PWLB and bank borrowing 2000-2018
Request to Glasgow City Council by Joel M Benjamin. Annotated by Joel M Benjamin on 19 December 2018.

Partially successful.

Over the time period from 2000/01 to 2018/19, the average ratio of fixed to variable debt has been 61% to 39%
Choice of fixed vs floating interest rate PWLB and bank borrowing 2000-2018
Request to Greater London Authority by Joel M Benjamin. Annotated by Joel M Benjamin on 19 December 2018.

Partially successful.

The GLA has no floating interest rate debt, the 'elimination of uncertainty' being the primary 'advantage' of fixed rate instruments.
Choice of fixed vs floating interest rate PWLB and bank borrowing 2000-2018
Request to Bridgend County Borough Council by Joel M Benjamin. Annotated by Joel M Benjamin on 19 December 2018.

Partially successful.

Bridgend CBC external borrowing at 14-11-18 – 80% is fixed rate and 20% is variable rate.
Choice of fixed vs floating interest rate PWLB and bank borrowing 2000-2018
Request to Northamptonshire County Council by Joel M Benjamin. Annotated by Joel M Benjamin on 19 December 2018.

Partially successful.

Request internal review (fixed v floating Q)
Choice of fixed vs floating interest rate PWLB and bank borrowing 2000-2018
Request to Cornwall Council by Joel M Benjamin. Annotated by Joel M Benjamin on 19 December 2018.

Successful.

As per the published statement of accounts for 2017/18 we had 80% of our borrowing fixed and 20% variable.
Choice of fixed vs floating interest rate PWLB and bank borrowing 2000-2018
Request to Worcester City Council by Joel M Benjamin. Annotated by Joel M Benjamin on 19 December 2018.

Partially successful.

The Council has 100% fixed borrowing
Choice of fixed vs floating interest rate PWLB and bank borrowing 2000-2018
Request to Dumfries and Galloway Council by Joel M Benjamin. Annotated by Joel M Benjamin on 19 December 2018.

Partially successful.

Fixed rate loans = 99.39% of external debt
Choice of fixed vs floating interest rate PWLB and bank borrowing 2000-2018
Request to Dover District Council by Joel M Benjamin. Annotated by Joel M Benjamin on 19 December 2018.

Partially successful.

100% Fixed Rate debt
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