Hello, and welcome to this episode. I hope you're feeling splendid. You're having a good day, a good time a good morning, good afternoon, or good evening, or good middle of the night. Whenever you're listening to me. Welcome to this episode, I had an email from Susanna. And it has inspired me to do this episode. And actually, I've been made aware of some things that I didn't know previously. And I'm sure that you didn't know about maybe some of these or maybe all of these before the, the ways that that people are barred from from life. And Suzanna wrote me an email, which is just absolutely horrific, and frustrating and mind boggling. So I want to start this episode off with a trigger warning, we're gonna be talking about ways that fat people are discriminated against, that we might not have thought about, maybe not on the day to day basis that we think about, you know, in regards to accessibility, you know, in regards to seating and the doctor's office and things like that. And obviously, all of that is absolutely unacceptable. But there's other ways that we haven't spoken about before. And so if that's not feeling great for you today, then skip this episode. Cuz Yeah, it might be a little bit much. So anyway, so let me read this email from Susanna. Susanna says I am a faithful listener to listener of your podcast. Thank you. I am a super fat person trying to buy a house in Ireland. Ireland is the only European company country that requires a mortgage protection insurance. So mortgage protection insurance is this is me. So MPI is a type of insurance policy that helps your family make your monthly mortgage payments if you the policyholder, and mortgage borrower die before your mortgage is fully paid off. So basically, if you are someone who dies, and you have a mortgage, you've just taken out a mortgage, and so that mortgage protection insurance will pay off the policy from what I understand. So Ireland is the only country that requires MPI, mortgage protection insurance. Although looking into this, we've I've seen someone say the same thing has happened in Poland. So there might be a different name of insurance or there might be just standard insurance, because you might need standard life insurance. And so this there might be some differences, which also mean that other people in Europe and the world are discriminated in this way. Okay. So and it appears that people over a BMI and so by the way, I'm going to be mentioning BMI in this episode, because I thought about taking them out, but then I thought it might be helpful for those who are looking into these processes and themselves to know whether they are at the cut off or not. So heads up, I'm gonna be talking about BMI, okay. So it appears that people over BMI of 45 like myself, cannot obtain the mortgage protection and therefore cannot obtain the mortgage protection insurance and therefore, not buy a house having spoken to a lawyer, this is legal discrimination, so I cannot fight it in court. This is what they wrote me and so a quote from the insurance company, I have reviewed the file I'm sorry that the customer is not happy with our decision. When the medical details are assessed account was taken off the following with BMI of 48. We did not seek a GP report as a reason for the decline ature was based solely on the body mass index disclosed on the application form. If any of the details are incorrect, please advise and we would be happy to review same again. For this reason and by application of standard underwriting guidelines, it was necessary to decline this application for life cover. This decision is standard practice in the life insurance industry, and is based on tables of risk which has been compiled from actuarial experience by insurance companies worldwide. I'm sorry, we could not be of more help in this instance. Did you have any further queries at all? Do not hesitate to contact contact us. Go fuck Self. They refuse to obtain a doctor's report by their own words because they view fatness as a disease and excels in itself as you discussed in a previous episode, and then Suzanna links to another person who links to another article, another person who's experiencing same thing an article from The Irish Times about a bank refusing to release mortgage for a woman deemed at high COVID risk due to due to her weight. Susanna continues basically Irish banks could waive this requirement, but they don't because they believe based on my body size or fat people in general, I will die prematurely. Maybe that could be of interest to you for one of your podcast episodes. Thank you for your time. Your podcast is the only one who gives me faith that there are still decent people out there because living in a fat body means people usually show me their worst side yours respectfully, Susanna. The link that Suzanna shared goes to it says bank refuses to release mortgage for women deemed at high risk high COVID risk women says woman says she's been penalized for being fat and replacing the Oh words. By the way, being fat following the birth of her child. A bank has refused to release a mortgage loan to a woman seeking to buy a house over an issue connected to her mall mortgage protection policy. The woman told the Irish time she was refused covered by life insurance companies in the Republic. So the Republic of Ireland so if you think about Ireland, if you're not familiar, there is an island. There's a republic, which is in the three fourths of Ireland is Republic of Ireland. And then in the top right hand northeast corner is Northern Ireland, which is classed as the UK because that's that area is still colonized by the UK. So the companies in the Republic Republic of Ireland, she was refused coverage because they said that her BMI placed her at greater greater risk for COVID 19 complications. By the way, a study has just come out to look at all the studies that said that fat people are higher risk from COVID. What do you think it found? We're not a surprise, fuckin surprise. We don't have that information to show that fat people. If we look at this study what it showed I'll talk about it in more detail later. But this study what it showed is that because there we needed quick information that in the times of COVID, the studies that showed a link between COVID outcomes and risks and all that type of stuff that said that fatness was a risk factor, they were of poor quality, and they didn't control for certain things. Same with the h1 N one. Bird Flu wasn't a bad flu. Yeah. They said during that when that epidemic was happening, that fat people were a higher risk, fatness caused increased deaths, etc. Afterwards, when they had the time they looked at the studies again, they controlled for weight bias. And so they controlled for time when people got treatment. And so if fat people were treated the same as sin people, the outcomes were identical. So anyway, this is not based on science continuing, however, despite the woman's subsequently sourcing cover, with a UK based insurer, her bank is still refusing to release the mortgage. She said, Yeah, so she probably went to the north of Ireland, she might have gone to England and got a policy from the north. And so this is literally the difference between walking 10 minutes somewhere else and you're in a different country. But you're you know, it's ridiculous. Basically, if you've got a UK based insurer saying, we'll cover you. The bank is saying no, it needs to be someone from the Republic. Every bank in the republic is saying we do not cover fat people. So the woman in the early in her early 30s had a baby early last year and said her BMI had been high since the birth. She pointed out that she'd been medically assessed by a nurse working on behalf of a UK based insurance company. Somebody subsequently offered her offered cover for 10 year period. Despite this, her bank said this cover was insufficient. The bank's refusal to let her drawdown for mortgage was putting the purchase of the home she is under contract by at serious risk. She says I'm at the end of my tether, but I'm not giving up without a fight. I had a baby in 2020 and I haven't lost the baby weight. I know that but the insurance companies and now the bank are penalizing me for that. The woman who asked not to be named said the woman said she had permanent pensionable job with death in service benefits substantially higher than the value of the mortgage of 116,000 euros that she applied for. She also said that she has separate financial safety net in place and now had mortgage protection cover for over 10 years. She has also re restructured the term of the Post morgase reducing by it to 16 years as somewhat. So the mortgage is only over 16 years and they're so worried that she's about to die because she has a BMI of a certain amount. There will still refuse it doesn't make sense. She's also she says I'm also putting down a huge chunk of savings, and the loan to value ratio is less than 80%. However, the bank has refused to budge. The woman said the she went, woman said she went sail agreed on what would be her first home last December, and was set to move out of her rented accommodation at the end of March. I have literally nowhere else to go. And the vendor is extremely frustrated and wants to put it back on the market. I went off to sleep on my parents couch from Saturday. absolutely outrageous. I replied to Susanna, I don't know if this is this is going to help anyone but I'm I just want to let you know of a resource. So I said to Susanna, thanks so much for reaching out. I'm furious for you. This is absolutely unacceptable and vile. I'm so so sorry that you're experiencing this. The latest episode of the podcast comes out this week. And it's about legal stuff being fat in the workplace. The only way around this is that your lawyer may not be familiar with is suing on the grounds of their definition of fatness, as a disease, this would fall under disability discrimination. There is an organization that may be able to help or not but it's in the US is called flare. So flare project.org, flare prod project are the people who are working with Dove. And he's asked her or Nafa to work on laws to protect fat people in the US. So that's the thing. I said some of the things to to Susanna and asked if she would like me to use this in in the podcast episode. And she said yes, I absolutely would like it. And that she had reached out to flair and had booked a chat with them. So thing is though, I don't know, I really hope that this can get resolved. Because not being able to buy a home in your country is wicked. It's wickedly awful.