CM May 2020
The CICM magazine for consumer and commercial credit professionals
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