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CM May 2020

The CICM magazine for consumer and commercial credit professionals

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SOAPBOX<br />

Roll Up<br />

A tale of toilet rolls, the 4x4 middle classes, and<br />

words of wisdom from a senior Fellow.<br />

AUTHOR – Glen Bullivant FCI<strong>CM</strong><br />

Glen Bullivant FCI<strong>CM</strong><br />

I<br />

always read this magazine from cover<br />

to cover and there were two worthy<br />

candidates for the ‘Monthly Words of<br />

Wisdom Awards’ in the March issue.<br />

The first was the editorial by<br />

Sean Feast. (It should be said here<br />

and now, by the way, that in the grumpy old<br />

man stakes, he is at this time nowt but an<br />

apprentice, with a number of years intensive<br />

training still to undergo before graduating<br />

into the hallowed arena of yours truly and<br />

Arthur Smith.)<br />

I take exception to being told by everyone<br />

under the age of 25 that I am totally to blame<br />

for the rise in sea levels, or Storm Jorge (trust<br />

the Spanish Met Office to come up with a<br />

name that nobody outside Madrid could<br />

pronounce correctly). As the Iron Lady once<br />

said in the Parliamentary Zoo Enclosure – No!<br />

No! No! My generation had milk delivered to<br />

the doorstep in reusable glass bottles, shops<br />

used brown carrier bags with string handles,<br />

and the weekly groceries came to the door<br />

courtesy of Granville on a bicycle. Even the<br />

supermarket kept large cardboard boxes by<br />

the checkouts.<br />

Walking to school was the norm back then,<br />

and when we threw the kids out at 08:00am,<br />

we did not expect to see them back before<br />

16.30, an even more important discipline to<br />

be observed during the school holidays. The<br />

temptation to move house during the day<br />

and leave no forwarding address was almost<br />

overpowering by September, let me tell you.<br />

CARBON COPY<br />

Of course, we are all to blame and the second<br />

article in the March magazine was that by<br />

Brian Murnane, of Carbon Action. Balanced,<br />

sensible, realistic are words which spring to<br />

mind – I often think that the calm and quiet<br />

explanation of where we are and what we<br />

need to do is far more effective than climbing<br />

on top of a Tube train or blocking the doors<br />

of the bank. We ordinary folk listen carefully<br />

to the former and are inclined to dismiss the<br />

latter as unnecessary sensationalism.<br />

I am doing my bit though I will agree that<br />

getting my West Yorkshire Metro bus pass at<br />

60, together with a Senior Railcard does put<br />

me at an advantage. I do have a car – one<br />

which reflects my personality (old, rusty<br />

and with moving parts perhaps no longer<br />

as efficient as they once were), but when I<br />

filled the tank with petrol this March,<br />

I realised that the last time I filled the tank<br />

was in October, 2019. Why on earth would I<br />

want to drive to Leeds, Bradford, Manchester<br />

or Liverpool when there are perfectly good<br />

(ok, not perfect) public transport alternatives?<br />

I walk into town – please note that legs were<br />

made for walking, and not for pushing down<br />

pedals – and remain capable of carrying<br />

shopping, having two arms designed for the<br />

task.<br />

It is an irony on the carbon front, of<br />

course, that we have all been overtaken<br />

by the tragedy of Covid-19, with harmful<br />

greenhouse gas emissions plunging like the<br />

Stock Markets and the price of oil.<br />

RED PEN<br />

All of which leads me to the point where<br />

your editor will take out his red pen and cut<br />

swathes out of what I am going to say next<br />

because here comes my angry rant of the<br />

month.<br />

In order to keep myself safer by way of<br />

distancing, a couple of days ago, I used my<br />

car to go shopping (hence filling the tank).<br />

Orange juice, eggs, milk, bread and sugar<br />

– not much but I had run out. I went to<br />

Sainsbury’s and could not help but see that<br />

it looked as if it had been ram-raided by<br />

rampaging rhinos, with swarms of locusts<br />

riding shotgun. I got what I needed there, left<br />

the car in the supermarket car park, whilst<br />

I nipped into Poundland for Smokey Bacon<br />

crisps and Picnics on special offer. Their<br />

shelves were well stocked and that is when I<br />

realised something very fundamental.<br />

The 4x4 middle classes, fully paid up<br />

members of the anti-runway, anti-incinerator,<br />

ban the ‘whatever the bomb that looks most<br />

beastly’ brigade buy what they want rather<br />

than need, at the expense of the poorer who<br />

can only buy what they need rather than<br />

want. Those on fixed incomes have always<br />

shopped on pension day, or odds and ends<br />

daily, and for those needing toilet rolls to<br />

make the journey only to see double barrelled<br />

named herberts driving off in their diesel<br />

guzzlers loaded to the roof with enough toilet<br />

rolls to wipe the backsides of the entire crew<br />

of HMS Prince of Wales is disgraceful, to say<br />

the least.<br />

Simple solution – the first pack at shelf<br />

price, the second pack double, the third pack<br />

treble and so on, the excess revenue going to<br />

the local food bank charity.<br />

Glen Bullivant FCI<strong>CM</strong> is as old as he looks.<br />

(The editor wishes to remind readers that the<br />

views of contributors are entirely their own.)<br />

Advancing the credit profession / www.cicm.com / <strong>May</strong> <strong>2020</strong> / PAGE 39

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