D4D

No, no, mister, not the rubber suit! I'm sweating!

Archive for the category “Getting Organised”

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.

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…

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.

Repeat Locations

In the last eight days, I’ve been at the Barbican centre for three of them.  I don’t mind – I like the Barbican – but it does make for an interesting feeling of deja vu.

Last week, I spent two days there attending the Lead Developer conference (again) – it’s been running for five years now, and I’ve been to four of them.

Then last night, I was back there to see “Conversations with Nick Cave” – a different type of concert, with Cave performing songs solo with just a piano, interspersed with lots of questions from members of the audience.

I’ll aim to write more about both things (and a couple of other things that have been keeping me busy and/or a dirty stop-out) but right now I’m absolutely knackered. So those bits of writing will come later. Probably.

History Plays

As I said last week, this year’s Shakespeare intake has somehow ended up being all about the history plays.  It’s not  been an intentional set of decisions, just the way things have worked out.

I’ve already seen two productions of Richard II, Richard III, Henry IV parts 1 and 2, and Henry V this year.  (And of course I also saw “Queen Margaret” late last year, which takes all of Margaret’s lines from Henry VI – all three parts – and Richard III and builds a play/story around that)

And now I’ve also booked to see the RSC’s production of King John later in the year.

All told, that means that of the histories, by the end of the year I’ll have seen …

  1. King John
  2. Richard II
  3. Henry IV, Part 1
  4. Henry IV, Part 2
  5. Henry V
  6. Henry VI, Part 1
  7. Henry VI, Part 2
  8. Henry VI, Part 3
  9. Richard III
  10. Henry VIII
  11. Edward III

So, I’m more than halfway through the histories.  Not bad, in less than a year.

Small Wins – Backup

Way, way back in the day – Nov 2006, to be precise – I bought a backup drive for all my music, photos and work. It wasn’t anything hugely special – a now laughable 320Gb drive – but it did what I wanted, and made sure I’d got everything preserved.  (Amusingly, I just took a look, and the roughly-similar drives now done by WD start at 3Tb!)

And then I moved a few times, and the drive got separated from its power brick, and I sort of gave up on it a bit.  Over the last few years I’ve mainly been using online backups instead (which mean that as soon as I save a file, it’s backed up, and synchronises to my other machines) and the drive became even less of an issue.

I always knew where the drive itself was, even though I was fairly sure I’d lost (or thrown away) the power lead/brick.  The drive has been on one of my bookcases, doing nothing except attracting dust.

Last weekend, though, I found a random power cable that looked like it might fit the drive.  So I took them both into my office this week, and gave it a go.

At the end of the day, I’d pretty much given up on it – it’s been sat there doing sod-all for a number of years, and has been carelessly moved, shoved in boxes and so on. So I expected nothing.

And yet, when I plugged the cables in and connected it to the laptop, it all worked. Straight away, with no issues, clanks, grinds, or other Warning Noises Of Doom.  Needless to say, I’m actually pretty impressed.

Of course, I’ll also now be working to ensure that a lot of it is backed up somewhere else as well, as that drive is distinctly venerable, but all the same, it’s a bit of a win for it all to have come back in the way it has.

 

Small Wins – Suited

As part of the “generally busy” of the last few weeks, I was asked to attend a funeral/cremation for the father of a friend of mine.  As the dresscode was described as “formal” I opted for my much-loved three-piece suit that I got made in Cambridge. Turns out, that suit is exactly 12 years old (I took delivery of it at the start of April 2007)

Anyway, when I tried it on, I was really pleased to find that it still fits just fine – the most I had to do was brush the dust off it, as I haven’t worn it that much in the last few years.

So basically, I’m taking it as a small win that actually I haven’t changed size/weight/dimensions over that 12 year period.  I know I’m still overweight and blah blah blah, but it’s been utterly consistent for over a decade, which I’m pretty happy with.  I know there have been fluctuations over that time, but this current state certainly appears to be my default.

And I’m OK with that.

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