False Registration

A few weeks ago, I got a weird piece of post – a V5 registration document for a vehicle I’ve never owned, to a name I’d never heard of, but with my address on it.

Having asked around a bit (in case the person was just a cretin who put in the wrong address) it turns out that this is a semi-common scam, registering a vehicle to a different address in order to avoid parking and speeding tickets etc.

As such, some people suggest that it should be registered as SORN (Statutory Off-Road Notification) but that still connects the vehicle to the address, and leaves you open to receiving documents, fines etc.

Instead, I decided to instead return the document to DVLA, along with a cover note explaining that I didn’t know the car and didn’t know the person, and had been at current address long enough to know that the person hadn’t lived there any time in the last decade. I scanned in both documents so I’ve also got a record of it, should it be needed.

Yesterday, I got a response from DVLA, which confirms that what I did is the best thing to do. They’ve removed the connection of my address to the vehicle, although it’s still possible that some fines etc. may come to me – but in that case, to send the issuing authority a copy of the letter received, and confirm that It’s Not Mine.

So, interesting to see how things work. Hopefully I won’t get any further issues with it, but I’m as protected as possible if anything does happen.

 


50

Fucking hell, I’m 50.


Credit Clusterfuckery

Over the last few years (well, really since the bankruptcy) I’ve kept a fairly close eye on my credit score – mainly using ClearScore (who use Equifax data) and CreditKarma (which used to be Noddle, and use TransUnion’s data). Both services are free in perpetuity, and have done a pretty good job so far.

Anyway, back in 2019 I’d put a few things on credit (intentionally) and then merged it all onto one interest-free balance-transfer card which gave me a longer term to pay things off.  And my credit score went super-high, and has stayed there since.

In the last couple of months, I’ve completely paid that off, and all my cards now have a zero balance – which is a pretty good feeling, I can’t deny.  It’s always been well within my means, but still, it’s nice to be completely clear.

However, that’s had a significant knock-on effect on my score – because I owe nothing, my credit score has dropped by about 10% this month.  I know it kind-of sort-of makes sense, that they ‘can’t gauge my indebtedness’ if that figure is zero, but it also means that I could utilise 100% of my income to go into credit, yet somehow that’s less valuable. As is, of course, the perfect record for borrowing and paying back.  (Albeit without paying any bloody interest whatsoever)

All of which goes to show, yet again, that credit-scoring really is a monumental load of old bollocks.


December Already

Bah HumbugSomehow we’re already in December. How time flies when you’re having fun locked down for half the sodding year.

It’s been weird this year already, in that I’ve seen a number of people who’ve already put up their Christmas trees and so on, even more prematurely than usual. There seems to be a school of thought that says it’s OK because “we need something to look forward to“, but that rings with the dull plop of bullshit. Maybe it’s just me, but I’m more of the viewpoint that even if I started today, I’d be sick of the bloody event by the time it comes round. Adding another two weeks to that is surely just a way to be even more jaded about it all.

But then, as we know, I’m a grouch.

I’ve also been gobsmacked about the hysteria around “We’ve got to have our Christmas“, and the mindset that people would’ve broken all the rules in order to have “a proper normal family Christmas“. We’ll get past the horrific racism of the government being quite happy to cancel the festivals of other religions (The first Lockdown was announced less than 24 hours before Eid, and the second one blocked Diwali – and I’m fairly sure there’s been at least one more festivity that’s taken a kicking) while Christmas is apparently the be-all and end-all of UK Civilisation.

Honestly, I’ll be glad when this year’s over and done with. I don’t think 2021 is going to be any easier, although there’s some hope on the horizon with Covid vaccines etc. But it’s still looking like it’ll be another ongoing hellscape – just possibly slightly less of one than this year has been.

Again, I can’t deny, I’ve been lucky throughout the whole Covid thing this year, and I’ve been affected far less than a lot of people have. I know that, and I accept it.  But I’ll still be happy to be through this year.

 


Lockdown Weekend

This weekend was remarkably unproductive, and yet I’m actually OK with it for once.

I’d had a lot planned – initially I was going to be going to a restaurant in London, but I moved that forward by a couple of weeks – nothing about Lockdown, just that I saw the menu two weeks ago had some things I really wanted, and they couldn’t be certain they’d still be on by now, so I moved things around.

Once that had changed, I’d then lined up an archery coaching session on the Saturday, and we were due to have a competition shoot on Sunday.  However, with the new Lockdown, archery is (for some fuckforsaken reason) specifically included in the “thou shalt not operate” lists, so all of that got cancelled too.  I’ve no idea why outdoor archery isn’t allowed – even in competitions, no-one’s even close to each other, and certainly when I’ve been using the range on a Friday it’s just me using it. There’s certainly no issue with any of it being crowded!

So yes, I had lots of plans, and none of them happened – which is frustrating, to say the least.

However, it’s been good to have the downtime. I meant to do some stuff from home, and failed entirely to do so, but instead caught up on some reading, and did stuff that was exceptionally quiet and relaxed.  It was pretty good, all things considered.


100 To Go

Today is day 266 of 2020.  There’s only another 100 to go.

I’m not going to tempt fate (or give it ideas) by saying things couldn’t get worse. They could.  Knowing the way this year’s gone so far, they probably will.

In the meantime, I’m going to be slightly altering the restaurant plans and bookings I’d already made for the rest of this year, following on from today’s (frankly bizarre) “everywhere’s got to close by 10pm” dictat.

I’m not sure what makes things safer by closing pubs, restaurants and food places by 10pm – as other restaurateurs have said, they’ve worked hard on making sure entry/exit times were staggered, whereas now it’s going to be a big exodus at one time.

It’s all just weird.


A Quiet Life

In an ideal world, I’d actually like a quiet life.  Not in terms of being (and/or keeping) busy, but in terms of once I get home. Once I’m there, I’d quite happily have a place with no noise.

Yes, there’d be a TV and so on, but that’s all noise that I control.  I’m thinking more at the moment about other stuff, the noise I can’t control, and that sometimes drives me crackers.

The Bengal is one of the main culprits on this, if I’m honest – as soon as I get home, I’m being shouted at. It’s not like she’s hungry or anything – she’s just shouty.  Sometimes it’s even before I get through the door – if it’s late evening (even if I’ve popped home in the day to make sure she’s fed etc.) it’s not unknown for the sodding cat to be sat outside waiting for me, and shouting the moment she sees me, like a mum going “And what time do you call this!”  And it doesn’t let up for bloody ages. It’s exhausting.

Alongside that, I have the joys of neighbours. Throughout the lockdown/shutdown/slowdown, they’ve both seemed determined to be out in their yards, playing music loudly, and having loudspeaker/hands-free conversations on their phones – and it’s even seemed like they’re in direct competition sometimes. So it’s not been unusual for me to come home and not even be able to open the back door, because of the noise war going on.

All I want is for things to be quieter. I’m generally super-tired at the moment, which also makes me more sensitive to it all, and far far grumpier about the entire thing.

Recently I’ve even been thinking about moving – some of which is because of those neighbours – although with the looming of Brexit etc., I’ve made the decision to not jump things just yet. But there’s still the potential for the same to happen again.

In some ways – hell, in most ways – I’d be happy to be a hermit, to be out in the middle of nowhere with zero human contact on a day-to-day basis.  The only problem with that concept is that the really out-of-the-way places then don’t have the other thing I want/need in life – a decent speedy broadband connection.

I’m sure there’s a balance to be found somewhere, and I’m sure I’ll figure it all out. For now though it’s just a bit bloody annoying. </grouch>