D4D

Come near me with that umbrella again and I"ll shove it up your arse

Archive for the category “Domestic”

Anniversal

Having gone through the six years of the bankruptcy process (as I’ve written about many times in that period) today marks a year since that process completed. Time flies, and all that rot.

It’s the final real anniversary of any significance though – even though it came off my record a year ago, most of the banks work on a “Six years plus one” basis (fuck only knows why, but that’s their choice) when it comes to ‘full’ current accounts and the like.

So that’s where we are now – the full “six years plus one” is complete.

It shouldn’t affect things much – it would be nice to have a ‘full’ account with overdraft facility and so on , but only because that’s another thing that is good to have.  I’ve done fine over the last seven years with no overdraft and never needing one, and I don’t see any reason why that would change now.

However, it does mean I’ll almost certainly move away from my current bank’s offering, purely because they were lying dicks about it all the way through the process. Once I’d gone through the first year where I was officially bankrupt, I was fine to have a basic current account. When I got it, I was totally honest with the bank, and they said I could try to apply for an upgrade to a ‘full’ current account on a regular basis (every six months or so) and see how I did.

It was only after three years that anyone mentioned that they wouldn’t give me an account until the “six years plus one” – ‘but it’s not that we have a policy, sir, it’s just that’s how it works, we won’t do it before then‘ – and so had basically lied and wasted my time for all those reviews.  That did cost them money in the end – a complaint went all the way to the Financial Ombudsman, who found in my favour.  (The rule in this case is keep a record of all paperwork and appointments, so you can show a history of wasted time, and stuff that you wouldn’t have done if they’d been honest and said to not bother for seven years!)

So yes, I’ll probably change banks for the current account – I’m not yet sure who to, but we’ll see what happens.

But the most important thing really is that now, seven years on, there’s nothing else keeping me back.

Stung

Last week, I got stung by a wasp.  Nothing major (thankfully) and not something I’ve experienced often.

Indeed, looking back, it’s nearly nine years since I got stung by a hornet, and god knows when I last got stung by a wasp.  After all, it’s not like I generally provoke the bastard things.

It was a silly thing to happen – the wasp got caught in my hair after I’d been doing a workout, so I brushed it out, it landed on my arm, and stung me. Poxy buzzy twat.

Anyway, fortunately there’ve been no negative effects – it was sore for about an hour, and has then just been itchy as fuck for the last four or five days.

All seems well now, happily. And hopefully it’ll be another bloody age until it happens again.

The Last Month

It’s been awfully quiet here on D4D over the last month – and that’s primarily been because it’s not been at all quiet in reality.

Some things never change, I suppose.

However I do acknowledge that it’s been dafter than usual of late – work stuff kicked in as well as private projects and social life – but I’m hoping things will calm down again from here, so I can do a bit more writing.

In the meantime though, I’m still alive.

Wallets

Back in October, based on a recommendation (and a liking of the style) I bought a new wallet from Rains. Not the cheapest of things, but also not world-shatteringly expensive, I liked the (slightly weird) sort-of-rubberised material it’s made from, and that it wasn’t leather.

Over the last three or four years I’ve swapped wallets a few times, trying out new things and designs, most of which haven’t really worked out for how I do things.So far though, the Rains one has suited me pretty well.

However, last week I realised that the rubber holding strap was breaking – along the line of the cut-in company name, which wasn’t really a surprise.  But for a not-cheap wallet, I would still have expected it to last better than that.  So I emailed Rains to say about this problem, and attached a photo of the problem.  I could’ve lived with it – once it finally snaps I could cut the strap off completely, and it wouldn’t affect the actual functionality at all – but still, might as well let them know.

Within the day they’d come back to me, offering a replacement or refund – and either way, to not worry about returning the faulty one.  I chose a replacement, which was sent out the same day, and arrived (from the Netherlands) a couple of days later.

I’ve again offered to return the faulty one (I figure they could at least see what’d gone wrong – but maybe it’s more of a common thing, I don’t know) but they’ve insisted on me keeping that as well, so fair enough.

All told though, I’ve been really impressed with Rains and how they’ve done things. There’ve been no questions or quibbles at all, just a simple smooth process that really stands out from most places. It shouldn’t stand out just for that (ideally this should be just how things are done) but it definitely does.

Disconnecting

As part of the whole bankruptcy process (now well and truly complete, of course) I’ve been using a couple of free services to keep track of my credit score.  It’s been useful to know what’s going on, and where things stand.

I primarily use ClearScore (who use data from Equifax) and CreditKarma – who used to be Noddle – and use data from Transunion (which used to be Legatio)

Part of the reports from both of those (and from Experian, whose ‘free’ service is an absolute dumpster fire, and absolutely refuses to allow me to view my own data) involves past addresses, and people with whom one has had a credit connection – things like a shared mortgage, or whatever.

Looking through the CreditKarma stuff in particular, I noticed that they still have a record of my old addresses going right back to Bracknell – bearing in mind, I moved there back in early 2005…   It also still had me linked to Herself for the mortgage we had back on the Norfolk place (which must’ve been 2007/8, if not earlier)

So, I asked them about why this stuff was still on there – bearing in mind, credit stuff is supposed to stay on one’s record for six years and then go – and got a response back that was… less than encouraging.  (Note, I’m going to edit some of this so it’s comprehensible without being comprehensive)

There are several reasons why TransUnion UK hold historic address information [including] something called asset reunification, which is when TransUnion UK helps clients trace the holders of lost or forgotten financial accounts, such as pensions or bank accounts.  So, if you have an account associated with an old address that you don’t know about, financial institutions will be able to find you.

Another reason [we hold] old historic address information is to help organisations trace individuals who have moved without telling their creditors where their new home is (this is known as debt tracing).

For now, let me confirm that TransUnion UK holds address information indefinitely. However, they are reviewing their policy to see if a fixed upper limit can be set on how long they will keep address data for.

The “Indefinite holding” of that data is definitely a no-no. So far as I know, it’s still the case that if a company doesn’t get in touch with a debtor at all for six years, that debt is no longer viable, and is effectively written off.  So historic data could be stored for (I’ll be charitable) seven years, and then get erased. I’d be OK (ish) with that, at least.

But this is information going back more than twice that time.  I’ve now filed requests to lose all of that data – I’ve now been at this one address for longer than the six years usually required – and also to take away the connection to Herself. (I can’t imagine she’d be overly happy to still have that connection either)  We’ll see what happens on those things.

I’m also going to refer this to the Information Commissioner, because I’m pretty sure they’ll be interested in anyone who claims to be storing personal data indefinitely…

Halfway

Today, we’re halfway through 2019. The first half has been pretty good, but also has had its downsides and irritations.

So in the second half, I’m aiming to get rid of some of those irritations, and to get some stuff done that’s been hanging around for a while.  I’m not saying it’ll definitely happen, but I’m going to try, at least.

One irritation for me – as I’ve said before – is how much the noise of flies (and other buzzy bugs) annoy me. It’s something that I just can’t tune out, for whatever reason. When the weather’s warm, the food I have for the cats attracts flies, so it gets deeply annoying after a while. In previous years I’ve bought small bug-killers and so on, but they’ve never proved to be overly effective.  So this year, I’ve finally bitten the bullet, and bought one of the classic ‘kitchen’ big blue bug zappers.

So far (and it only arrived today) it’s seeming pretty decent – although the zap is pretty noisy! Hopefully it’ll prove more effective than the previous ones, and any flies this year won’t annoy me as much.

After that, well, we’ll see what other stuff I can get done and what other irritations I can get rid of.

Chaotic and Packed

The last couple of weeks have been quiet on D4D™ because life got in the way – and life was just stupidly busy.

Over the last two weeks, I have

  • Attended the 2019 Lead Developer conference at the Barbican in London (involving driving to London late on Monday, two days of conference and hotel, coming home mid-evening on Wednesday)
  • Late-night ferrying of friends after their wedding anniversary meal (and padded out that time by going to the cinema)
  • Done a day on a sponsored walk thing with friends at a fitness group I attend – my own contribution was 32 laps of the 600m track set out for the event, adding up to 19.2km (just under 12 miles) which pleased me
  • Seeing the parents
  • Attending the “Chefs Reunited” one-off meal at Monica Galetti’s “Mere” restaurant – all courses cooked/created by either Monica Galetti or Rachel Humphrey, who worked together at La Gavroche
  • Attending “Conversations with Nick Cave” at the Barbican
  • Been on-site on two separate days in Chesham
  • Done all the usual work schedule stuff as well
    and
  • Before the end of this week, I’ll have also attended two food events this weekend.

I must be utterly, utterly barmy.

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