I lived in a range of places as a kid, partly because my father was a bit of an itinerant who didn’t know what he wanted in life, other than that I mustn’t live with my mother. Go figure.
Eventually I got to settle down with my grandmother, but in the process I learned a lot about life as a child in different places. Where I felt safe and where I did not.
I did not feel safe in large council estates surrounding cities. I did feel safe in a caravan park. I did not feel safe in a city centre. I did feel safe in a built up part of a large city, living in an apartment block.
At 18 I was skint and got made homeless. It took a lot of graft, patience and mistakes to get out of that and into a moderate middle class lifestyle. Here’s how.
When I was 18 I found myself in a weird situation. October 1987. I’d just started my first job, straight from 6th form, and was happy with that. My favourite song the year before had been The Future’s So Bright, I Gotta Wear Shades. I was optimistic and hopefull. I’d done my A levels finally surrounded by people who actually cared about education. I was no star pupil at 6th form, except at computers, but computers were the big thing so I had confidence.
All good then. I mean it wasn’t perfect, but I just had a fresh optimism. I’d lived with my grandmother since I was about 12 (my childhood memories are imperfect and I have few witnesses to refer to. I’d been casually fostered for a number of years prior, was fed up, and had been dumped with her. She was one of the few consistent things in my life and could see I was breaking in front of her. So I in effect ‘divorced’ my father and she took custody of me. She lived in a mobile home type caravan at the time. She was poor, but stability mattered more to me. I got my education. The future felt very bright.
I got through the various stages of ICI (then one of the largest chemical firms around) to get a job in their computer centre as a trainee printer operator, with the idea being to climb into a programming job. Unfortunately, a few weeks later, my grandmother had been in a lot of pain and, within a day of being admitted to hospital (this is another story to tell) where we discovered she had terminal cancer. Very terminal. She had less than a week left.
I was so very alone. My father turned up, signed over to me to handle everything, then disappeared to South America, never to be seen again. In 1986, my mother who I had some mild relationship with, had taken her family to Spain and, for some reason, me being told and having a goodbye seemed to be forgotten… so I’d accepted they weren’t a factor in my life. That was it. Me, alone, in the world.
Things got quite bad, quite quickly. Here’s what I learned, what I did wrong, and what I think I did right.
The world is not your friend
When you grow up, generally there are adults who look after your interests and needs, until you’re old enough to do it for yourself. But often you feel this interconnectedness with everything being generally good. Often in adulthood we discover things can be quite different – especially if we have some failures. I think learning that the world isn’t your friend is important. I discovered, for example, that if you have no cash, you can’t just take over a substantial asset (a house, in this case) and expect to not pay off debts that your grandmother had. The answer should be simple – I could have borrowed from another bank or building society to buy the house off my grandmother’s estate. Except her bank refused unless my grandmother’s estate was up to date on the mortgage payments. And because my grandmother’s estate had debts and no income, it couldn’t make the mortgage payments, and I was advised that if I paid the mortgage it would potentially make me liable for everything. When you’re an eighteen year old that leaves you in a bind.
The bank took the house, and I was made homeless, briefly (I kept a spare key and let myself in at night to sleep on the floor!), and I quickly organised myself and bought a tiny flat. Good job, because the council wouldn’t help me, the bank wouldn’t help, renting privately was almost impossible for me. Thank heavens I was organised and found the right combination of people.
Finance is risky and can be expensive
Because I was young with little credit history, all finance was risky. I figured that with my job and my flat I could now live a little and went stupid, bought myself a small engined sports car – a Scimitar SS1 1300 if you’re a car geek – a tumble dryer and washing machine all on credit, and thought everything was great. But I had nobody around to advise me I was being dumb, remember? No parents, and even most of my friends had gone off to university.
What happened was that when something went wrong with the car, it really stretched my finances to fix it. Then it got stolen and damaged, and I either repaired it myself or my insurance would get really expensive. Every little bad thing that came up, made life harder. But I discovered that I couldn’t just sell the car and forget about the finance – the interest and the way they did it meant that I’d need the value of the car plus another £1k to pay it off. I was trapped.
Toxic parents usually remain toxic parents
My father was still in touch with me, but for some reason thought I had plenty of money. So when he got into financial trouble in South America, he started giving me hard luck stories about how dangerous things were, that he was going blind (or a bit long sighted as we call it now), and he needed £1.5k. Or £3.5k in today’s money. I was 19, skint, and instead he banged on about how I must have had money from my grandmother’s death and my good job. “Yeah, Dad, but you’re not here and you have no idea.”
However, guilt led me to do my best. I sent him all my spare cash for a couple of months, before finally arranging a loan. I used some of it to consolidate my credit card debts, and two thirds went to him. I sent him, if I remember correctly, about £800 in total. He wrote to say he was struggling and needed more and he was in a dangerous situation I didn’t understand.
So I did what I felt was the right thing – I spoke to the Foreign Office, and eventually secured a facility for him to be able to catch a flight home, where he’d at least get benefits.
I called him, told him the good news, he was furious. And that was the last time I spoke to him. Ultimately, narcissistic, self-centred and selfish people rarely understand that other people have struggles. They just don’t get it. And they stay that way.
Stability matters
One thing I did right was to stay at ICI for many years. I kept that job. My head wasn’t in the best place, so I wasn’t the best employee, but I was useful and smart enough to keep it as well, and had some reasonable progression. For a while I’d been renting rooms after financially over-extending when I lived in my flat, and that job gave me the much needed anchor to my life. Eventually I bought a house with my then girlfriend. That stability then allowed me to think about taking a risk again… But it also established a nice final salary pension plan that will still be useful even 40 years after leaving!
I went contracting
Sometimes, income really matters. I don’t think contracting is for everyone. I hated some aspects of it, and it ruined my relationship at the time because I was away from home so much. But it really helped bring in money, which then really helps you to just establish a buffer of more than a month or two of money. Suddenly I felt like I had an actual surplus and proper savings. I got rid of the rust wreck of a Peugeot and bought a three year old Rover. I started to dress more smartly. I had nearly ten years of this solid and high income and it probably made the biggest difference of all to me.
At the end of my ten years, inflation and low interest rates made my mortgage look tiny, I had asset wealth in the house, shares, and low outgoings. When you’re in that situation, as many middle classes get born into, you can start to take risks. I decided to set up a proper web development business, now called Interconnect.
I could have lost a lot with Interconnect, and we came close to giving up. It didn’t ever give me more income than contracting – not even close. But it does give me another source of stability. And that, dear readers, is worth more than you might think.
I learned about how money and how the stock market works
There’s one book I read early one which just opened my eyes to the world of money. I’ve bought it several times, lent it to people, forgot who I leant it to and lost it! Doesn’t matter, it’s worth it. Its called How The Stock Market Really Works and it goes way beyond stocks, shares, and bonds, but into planning, risks, retirement and so on. In reading it, several times, I established a baseline of understanding that stopped me falling for scams, stopped me making bad investments, and generally helped me ensure I could make best use of the spare money I had.
I no longer pushed my finances hard
Now I understood money better, I knew that, for example, if you have assets of £100k and a debt you can’t pay of £50k, you’re in a really really bad situation. If you have assets of £10k, a debt of £100k and some short term cash flow issues, then you’re in a strong position to start negotiating. Why? Because if you have no assets and a big debt, the bank can’t recoup anything much if they send in the bailiffs. Once their costs are accounted for, they lose everything. So they’re more willing to negotiate. If you have loads of assets, you’re stuffed. That was, in effect, what the bank did to take my grandmother’s home from me when I was younger. They had no motivation to negotiate with me.
So you either max out your finances, Donald Trump style, or you very carefully segregate them. Because I value stability and security above all else, I segregate them.
I learned to think like an accountant
After ICI, I spent a lot of time working in corporate finance departments on their software.
Here’s a thought experiment. You have £10,000. You go out and buy a car for £9,000. How much are you worth? The naïve answer is £1,000. You see yourself as £9,000 worse off. But if your car helps you earn more money by opening up a job you otherwise couldn’t reach where you’ll earn £5,000 a year more, then you have two things happening:
First, your balance remains at £10k, because you have a £9k car and £1k of cash.
Secondly, you have a future benefit over, say, the five years you expect to have the car, of £25k. So over the five year period, assuming the car becomes worthless, you’ll end with £26k on the balance sheet. Or you use that £26k to put into a mortgage which, again, is generally a good move because it’s a limit liability loan secured on property which, in most economies, is a pretty safe bet.
But all accountants will say that cashflow is of utmost importance. You may have a pile of assets, but if you can’t service your responsibilities then you become insolvent – you can’t always easily sell assets without a big loss. So always think about cashflow – it’s best to be gently increasing your cash position as your wealth grows.
I learned to let go of status plays
When I was young I caused myself trouble by buying that sports car. It wasn’t, in itself, a bad buy on the surface – sports cars depreciate more slowly, the insurance on this one was the same as a similar powered Ford Escort, and it didn’t use any more fuel. And it’s not like a 19 year old needs to carry a family. Two seats was fine. Reliability wasn’t great either. But where it went wrong is that my boss therefore believed he paid me too much! My older superiors didn’t like that I had, on the surface of it, a fancier car than they did.
Of course, I was financed to the hilt, and they weren’t. They didn’t know that. They just assumed I had more money than I let on to.
Had I been in a humbler car, they’d have had no idea of my financial status.
It’s better to let people assume you’re a bit skint, and focus on reliability plays in order to establish your career. Took me into my thirties to work that one out.
Same with clothes. Stick to cheap clothes until buying them is easy. If you do what young me did and buy everything on credit at Top Man and Burton’s (yeah I know) then you’re setting yourself up for bad decisions and bad outcomes.
Adaptable accent and open attitudes
I’m actually quite Scouse yet a lot of people I meet and work with down South just think generic, educated Northerner with a light accent. The reality is I just adapt my accent to suit the situation. This means I don’t terrify upper middle class people, whilst I can still sit and have a chippy lunch with garage mechanics. Non-threatening to everyone, basically. I accept that most people know stuff I don’t, that they believe they’re trying their hardest (they may not be trying optimally, or coping badly, but I accept their belief), and generally try to learn from the people I meet.
Meet lots of people from different backgrounds
The more people you meet, the more lives you get to understand, the more mistakes you can avoid and the more opportunities can come up. Local politics can teach you how councils and Westminster works. Bankers can tell you how finance works. Medics can give you really good reasons why you shouldn’t smoke, drink, or eat too much sugar! Bin men can teach you that you can make a good living even if you’re not well educated (or are – there are some very well educated bin men and women out there). Truckers can tell you how their industry works.
Just avoid the cynical and the put upon – there’s little useful information there.
One good thing with the internet today is that there’s so much sharing online that you can virtually meet almost anybody, from African villagers to corporate board members. Just be kind and open and remember that they’re all humans, every one of them.
What about you?
None of the above is unique to me, or in any way makes me special. I just think they’re what helped me. Feel free to comment on what you’ve experienced. Everyone lives different lives and found different ways out of poverty traps. And of course, some people find themselves ground down by a system that can be unfriendly and downright hostile at times which means they can never escape, no matter how hard they work.
Two people meet. They decide to live together and grow old together. Let’s ignore whether they are a man and a woman, or gay, or two brothers without any other relationships. Doesn’t matter. What does matter is that they’re not married.
Together, these two people set up home back in 1970 in a house for which they paid £8000. Thing is, one was quite poor, really, so the other bought the house from his own funds and it remained his.
Both are now elderly, and the one owning the house sadly passes away.
If they’re married or in a civil partnership, everything that the deceased partner owns passes (unless otherwise willed) to the living partner. But in any other relationship this doesn’t happen. That house is now worth £500,000 – to the pair it’s still the same humble house they bought in a part of London that’s become quite trendy lately. But that doesn’t matter – everything to be inherited over £325,000 is taxed at 40%. So, you have a tax bill of £70,000. The inheritee may not have the money to pay that bill so is left with the problem of selling the house, or borrowing against it, in order to pay the bill. And that’s where the trouble starts. Imagine having to pay £450 a month to continue living in the house you lived in for the past 40 years?
Even worse, when that poor person dies, their estate will *also* be taxed at 40%. This compares to the married couple’s non-taxable estate which is effectively £650,000.
And it doesn’t end there. Pension funds often can’t be transferred to anybody other than a spouse. Family health insurance (particularly relevant in the US) often doesn’t cover anybody not in a legally recognised relationship. And so on and so forth. If there are married people’s tax allowances, they apply too.
So Why Be Against Gay Marriage?
I’m always fascinated by motives. It’s quite clear why a government would be against gay marriage, or even against making it really easy to marry or divorce – in doing so they get more tax. That’s simple then. From a purely fiscal point of view, governments get more tax from two single people than two married people.
And we have the religious lot – right now we have a dolt like Cardinal Keith O’Brien calling plans for gay marriage something that would “shame the United Kingdom in the eyes of the world”. I mean really? Why would that be? OK, there are states in this world where gay people are killed for it. I guess we would look pretty shameful to them. Do I care? Not really – we’re strong enough to let people live their lives how they wish to.
So the religious folk are worried. In part I know why – right there in Genesis (so believed by many Christians, Jews and Muslims as being important) is an instruction “And you, be you fruitful, and multiply; bring forth abundantly in the earth, and multiply therein.” It’s translated in lots of other ways too. But the key message there is that you should go out and reproduce.
Which makes sense. If your religion can outbreed another, it can do very well. And you know something I’ve noticed about gay folk? They don’t have many children! Of course, many do. And it would seem that their children may even fare better than their peers.
So Are Anti-Gay Marriage Campaigners Being Rational?
Nope, it’s unlikely that rationality comes into it. So let’s simply say this – they’re doing what most people do – look after their own interests first, then worry about the next level down because that can affect them too.
The joyous thing right now is that in the UK the mainstream political parties are pretty liberal about all this. They know that happy people work harder and make more money, which means more tax money, which means more power for them. The churches are no longer so relevant.
But in the US it’s a more dangerous situation – the significant Christian right can be an illiberal bunch, and the leading Republican candidates to run for president have come out with some deeply concerning statements.
In the UK we’re setting an example to the world. Let’s mock Cardinal Keith O’Brien and his antiquated beliefs – he’s not relevant any more, and let’s keep it that way. And if you hear somebody repeating anti-gay-marriage rhetoric then point out to them why somebody would object and why it’s so hard on gay couples.
And so it came. In a way it’s weird… I always felt there were only two likely things to happen.
First, I would find my father (or he would find me) and a period of reconciliation may take place. Closeness, perhaps never, but reconciliation would be fine.
Second, I would never find him, and that would be that. Finito.
I’d actually come to the conclusion a few years ago that maybe he’d died some time ago. In some ways it was an easier conclusion… it stopped me feeling guilty for not continuing a search or trying harder.
I don’t think I was ever ready for this. And this morning I woke up very early at around 5am. Partly because I went to bed very early, but also because my mind was spinning. I decided to put some music on. And this piece came up:
And I took a moment to try and remember what was really good about my father. I’ve told the story that shows the negative in him. The curious thing is that our negative moments in life tend to be far fewer in occassion than our positives, yet they often define us.
So I remembered:
Football in the garden when I was very young.
Him teaching me pinball – and his pride when I started to beat him, and most people, from the age of about five. I still love pinball and if I ever have the space, I’ll have one!
Going to watch Liverpool play at Anfield on several occassions.
Learning about different cultures through him, that there was more to the world than the area(s) I was growing up in.
When I was 16 I met a girl in Oostende and, late in the evening, him quietly handing me enough money to take her clubbing. He then made his excuses and dragged away others to give us space. He continued in this vein all week. It was just a holiday romance, but hey…
There was more… but those are what sprung to mind. And I had my first ‘moment’ there in bed at about 6am this morning.
The next came during the funeral. But first, a little about Chilean funerals…
Culture Shift
Chile doesn’t feel wildly different to Spain, in so many ways. The climate, the landscape even… at least, when I compare it to Alicante where my family lives. Culturally it’s similar enough that you expect things to be reasonably similar. And I suppose they are. But that’s still quite different to Britain.
First things first, you arrive at the hospital with all your paperwork a little before the funeral directors come to collect the body. In our case we then had an hour or so of waiting before heading to the cemetary. I’ve already mentioned that instead of burial plots, niches are used.
And in our case, as there were only two of us at the undertakers we could ride in the hearse, up front. I was disappointed, in a way, as the hearse was simply a silver Ford Taurus Estate. With BMW hubcaps. As a car geek I was disappointed! But then in the UK we use Fords for hearses as well, so I can’t complain… but I’d still prefer to head off in a Daimler, if anyone’s listening….
In the back was the coffin, wrapped in the skin of Bungle.
I realised that if we had an accident (not entirely unlikely) the coffin was unrestrained. It would be… messy, to say the least. Still, we made it to the cemetary where I met the kindly David Hucker from the Anglican Church, his wife, a singer he’d brought along, my father’s landlady, and several of his friends.
Given that funerals tend to be arranged very quickly here, and that he had no family at all here, it was a good turnout.
We then slowly walked behind the car to the tomb, where two rows of plastic garden chairs were laid out. The Bungle-Coffin was then placed on a support, and the car left. Nearby a bell tolled.
Rev. Hucker gave a simple ceremony in both English and Spanish with accompaniment and song from the delightful guitarist. And then the moment I was completely unprepared for. Everyone who knew my father stood up to say a few words of remembrance. When it came to my turn, I fell apart. I didn’t even start talking, just sobbed.
It’s so unlike me. A few tears, sure. But sobbing? Proper, wobbly belly, heaving chest sobbing? Nope, not since I was a little kid.
Every time I remembered the good parts of my father, I went again. More than in the morning which was a single burst of tears.
After a few minutes and a few tissues I managed to compose myself to string together a barely articulate sentence. It would have to do, or I’d just be off again. I patted the Bungle-Coffin, sat down, and the ceremony was then brought to a close.
Of course, the English bits didn’t make sense, entirely, in the context, but they were familiar, which helped, I think.
Then the next new part – the coffin was then pushed into the tomb, and we got to watch the workers carefully seal it up. The flowers were then placed in front of the stone, and we took turns to quietly pay our last respects.
My thoughts have also drifted to my brother and half-sister back in Europe. The five grandchildren my father never even knew about, and the joy he missed out on with all of them.
One day I’ll explain this whole story to my new born son (and any others) and maybe I’ll be back in Arica once more.
And when we come back, I’ll give Joaquin Alvarez, the British Honorary Consul, a call. He has been amazing, taking a lot of time and trouble to help me with arrangements. He came to the funeral with us as a friend of my father’s, and has touched me with his kindness and generosity of spirit. A true giant amongst men.
Phew… so what a day. It started off with a cold shower and a blandly unsatisfying breakfast of a cheese sandwich, juice and tea. But whilst eating a man came up to me and introduced himself as Joaquin Alvarez… the Honorary British Consul in Arica! It was an unexpected surprise… I thought I was meeting him later in the day.
Sadly it was just a few minutes as he teaches English in the mornings. But one thing I have to remark upon is that he immediately expressed astonishment at how similar I looked, sounded and behaved like my father. He had been a friend of my father’s for years, not knowing of any family, and to see a similar, younger version standing in front of him. It was a shock to him.
Later, we met properly, and we talked. I’d brought him some union jacks and tea as a thank you for his help so far. I didn’t expect the help he was about to give.
First the formalities… he showed me the paperwork he had, and my father’s passport. This was the moment when I’d see what my father looked like recently. In the picture was a tired man looking older than his 60 years. But it was definitely him. I will take a picture and add it to this post later.
Joaquin then took me to the hospital to discuss the matter of the hospital fees. My father had been in the intensive care unit, and these had added up. The positions were argued as so:
From the perspective of the hospital, a fee would be necessary in order to secure my father’s body and to help pay their costs.
From the perspective of the consul, many Bolivians and other illegal immigrants die in the hospital and there is never any money to pay for their care.
From the perspective of the social worker, if I was rich enough, and cared enough, to travel halfway round the world then I could surely afford to pay the fees.
The discussion went on. As you may have seen in my earlier post, I had a particular position I planned on setting out. In the end, we came to an agreement… I would pay half, and there would be an unofficial agreement that should I have more money in the future I could make a donation to the hospital.
This seemed to satisfy everyone enough to make progress.
The next stage was finding an undertaker, and to choose the coffin. Now that was odd. I discovered a few cultural things:
Hearses here are white, and often just large American estate cars.
In the UK a basic coffin is a pine wood thing in what we consider to be a classic coffin shape. In Chile it’s the same shape as typical US coffins… but covered in fake fur. I’m still trying to work out how that’s cheaper than a layer of varnish, but it is.
There isn’t necessarily a church service… it’s just straight from hospital to cemetary.
Most funerals tend to take place within 24hrs of death. Over a month is extremely unusual.
Cremation is rare and therefore a very expensive option.
Once a coffin of suitable size for a six footer (people here are short) had been found we were off to the cemetary. I had to settle for a sort of beige fur, incidentally, so my father looks like he’s being interred in a poorly cut Bungle costume.
Chilean cemetery by rob-sinclair, flickr, cc-sa
And the cemetary was a real eye-opener. You can’t bury people when your town is built on rock. So instead, it’s simpler to build what look a little like mini concrete apartment blocks into which the coffins are inserted. See the picture above right. The cemetary is also surprisingly brightly coloured. In due course I will take pictures… it’s a fascinating difference in the way death is treated here.
And you know what amazed me most today? The effort put in by Joaquin, the consul. He spent six hours with me, going backwards and forwards between the hospital, banks and funeral parlours. He made a string of phone calls, and helped me way beyond the call of duty. Truly, a great man. I’m lucky, really.
I’ve started writing this post in Amsterdam airport…I’m on my way to Arica in Chile where I’ll be (hopefully) burying my father, Chris, who died on the 19th of July. I say hopefully not because this is something I’m looking forward to but because I face a number of legal and monetary issues with the hospital where he died.
So, the backstory….
Chris Coveney in 1986
My father was born in 1944in Liverpool. He had a childhood disrupted by his father’s death while he and his mother were travelling to join him in post-war Frankfurt. At the age of 4 (I believe – this needs checking) it seems that this had a somewhat traumatic effect on his life. Whether it would have worked out any differently if his father hadn’t died so young is hard to know. It seems he never really bonded with his rather quiet and gentle stepfather, John.
John was one of those people that sadly get little praise in life…he didn’t have a rapier wit, good looks or intense charm. His predecessor, it seems, did. But he did do his best to provide a stable and comfortable environment for my father and grandmother (I later lived with them at different times of my life.)
Yet it seems that my father inherited his father’s flaws (a taste for women, good times and risk taking) without some key strengths (a disciplined and intellectually rigorous upgringing in particular) that would have helped my father excel. He was certainly charming, good looking and intelligent.
Family Life
My father, to the best of my knowledge, had three children… myself first, David, in 1969, Miguel two years later, to his first wife Ruth, and Maria in 1981 to his second wife Ann.
It’s fair to say that neither marriage went well. To paraphrase my mother:
He was a drinker with a vicious temper and a long arm. He couldn’t understand the word no.
There are other things I’ve learned recently which I won’t share…but the picture was of a man who couldn’t take his responsibilities seriously and, when confronted, would lash out at anyone around.
The Consequences
I’m going to skip forward now to 1985… by this point my father had been divorced twice and no longer had custody of any of his children. He’d kept me close for years, but even I tired of his temper, his constantly failing relationships and the occassional humiliation of a beating. It’s a curious thing about being smacked around by your father…the physical pain is nothing. It’s the betrayal of trust that hurts and damages you. No parent should resort to violence when faced with the annoyances of raising a child. Nor, of course, should a child ever survey a trashed kitchen following violence between their parents. Ever. I could go into the reasons why violence breaks out in domestic settings, but that subject deserves better than I can give right here.
Since 1971 my father had been working his summers as a tour guide in Oostende, Belgium. This suited him fine…a steady stream of giddy girls on holiday, few responsibilities, and plenty of nights out left him, it seems, relatively contented.
South America
By this point my father, always a keen lover of all things Spanish, had started to spend his winters in South America where he could travel around enjoying himself whilst maximising the money he earned in his Belgian summers.
This was actually a fairly calm period… I lived with my grandmother and rarely saw him. Generally I did enjoy his company, but there was always a nervousness over when he might kick off but, in general, he seemed to have mellowed.
Unfortunately, in 1987, everything changed again. I was living with my grandmother and had done reasonably well in my A levels. I’d gained a job at ICI on a trainee developer program. For me, at least the future looked good. However, like all good things in my life there always seemed to be trouble waiting for me.
Loss
Just a couple of weeks into my new job, my grandmother was diagnosed with lung cancer. Her decline hadn’t been pleasant to experience and before she was diagnosed she’d been struggling with shoulder pain that left her crying until the doctor could come and give her a shot of painkillers. Eventually it became too much for both of us. She was booked into hospital in a few weeks time… but that was too far away. I learned then a painful but valuable lesson.
The doctor could do nothing to have her admitted more quickly. I visited the hospital. No, they could do nothing either…it was a non urgent case of painful arthritis. Yet it was all too much to bear…I was in tears when a male nurse took me to one side and explained something…
They’re letting you look after her. She’s dependent on you. You want to know how to get her into hospital quickly? Refuse. Just tell the doctor you’ve had too much and you’re moving out.
Basically, I was going to have to play poker with my granny. But I went straight from the hospital to the doctor’s surgery and insisted I saw him. Three hours later, an ambulance arrived.
The next day they discovered the pain was caused by secondary metastasis (I think that’s the correct term, I’m writing this on a plane). She had advanced lung cancer that had spread through her body. She had less than a week left.
There was a dull, hollow ache inside me. I wasn’t close to my mother since I’d not lived with her for 14 years and besides, her and her new family had moved to Spain two years earlier – something that at the time had left me less than impressed.
I had my friends, Linda and Peter especially who were wonderfully understanding. And that weekend, my father’s summer job finished and he was able to arrive.
So he signed over everything. It was down to me to deal with the estate. There wasn’t much there, to be honest, and a lot of debt.
My father had his tickets for South America booked a long time earlier…in this time air travel was still relatively expensive and inflexible. I later learned that airlines usually aren’t so bad in cases of bereavement. I think he could have changed flights.
But he didn’t and just a few days later he was gone. Two days after that I buried my grandmother.
What’s crazy is that in all this I even managed to redecorate the lounge in time for the funeral, thanks to my friend Linda. It was important that in death everyone saw the best in my grandmother…
Losing Trust in Everyone
Soon after the vultures were circling…I couldn’t take over the mortgage or I’d have to pay off all debts, and I couldn’t get a new mortgage at such a young age and such little credit history…especially on a shared ownership house like this.
You see, what happens with a debt secured on property is that you hand over all rights to the lender. If you fail to keep up repayments the lender can take possession. The lender will then sell it. If a profit happens to be made then that’s great for the lender. They keep the money.
In fact, some even have a policy of quick repossessions during a buoyant market.
In retrospect I believe I was badly advised. But lacking support just trying to hold down a job and simply live right was enough to occupy me. When I was evicted from the house I lost my faith in society, my parents (sorry Mum…but you later won it back, so that’s ok, trust me) and everyone except my friends.
The council couldn’t help – I was told a single male would be at the bottom of the waiting list for social housing.
I didn’t want my fathers’s help and, by the dubious measure of taking out a loan to pay the deposit on a tiny studio flat, I had a place to live. While this was happening my father was made redundant from his summer job and announced he was going to stay in South America.
Having discovered financial wizardry I even managed to buy myself a niceish car I couldn’t afford on credit. Life had been hard, but now, I felt, it was improving.
Two months later I received a letter from my father asking for help – he said he’d been robbed of all his money and needed the money I owed him (I think he believed there was money in his mother’s estate) and could I send £1500 as soon as possible.
I had about £30 in the bank.
The next six months were hell as I sent over dribs and drabs in response to his increasingly strident letters, but I remember one triumphant moment. I’d been caught at work calling the Chilean embassy. I was in trouble until the reasons were explained to a senior manager. He put me in touch with the right people and before I knew it the Foreign Office offered a loan to help repatriate my father.
I’d done it. He was going to be ok. I’d sent as much as possible to him, borrowing money, trying to sell what I could legitimately sell… but it amounted to no more than around £600 over the months.
I went out and bought a £15 phone card to give the good news.
Son… I thought you had a good job? I need the money why don’t you have any?!
I told him it was no problem… I could get him home! I explained the loan.
What use is that? I’d be in the same situation, but in England…it’s much cheaper to live here
He was angry. And I remembered all those times he’d been angry before. The card ran out cutting him off mid-sentence. It was over. I was never going to speak to him again. I realised he hadn’t been asking me for help…he’d been asking me for money, that’s all.
Since then I stopped responding to his letters. I’d been struggling with the flat so I sold up and moved into a room. We lost contact.
Update 29-08-2010: I was reading through his letters yesterday and realised that I’d found the solution of a loan for repatriation earlier than I thought I had. I’d simply brought it up again during that last phone call and he essentially repeated what I’d said. I also think I’d continued to send him money for a while, but remained mute.
In 2001 I managed to find out that he’d renewed his passport in Quito in 1997, but that was all I had. In 2006 I was invited to a wedding in Lima, Peru, and took that as an opportunity to try and find him. I got close…searching the town of Arica in the far north of Chile. But if he saw the notices he didn’t respond. If he’d even searched Google he’d have found me for years and years. I even put a page up about him which was good enough for my estranged sister to find me with this year. In the end I reached the conclusion that he no longer wanted to find me.
And then the knock on the door in the early morning. I don’t know why the police do it that way. The officer was perfect…knew exactly how to break the news. Quickly, succintly, followed by the detail. He’d died on the 19th of July in a hospital in Arica, Chile.
I’m going to wrap this up now…it’s an awfully long piece to type entirely by phone and my fingers are aching. Hopefully I’ll be able to post it up on arrival to Lima. More soon… my plan is to document this trip, my feelings and my need to find reconciliation wherever possible. Sharing helps.
Given that I’m selling my motorbike at the moment as well, you may well wonder if I’ve had some kind of financial crisis of my own.
But thankfully, no. I just don’t need such a large and fast car any more. When I was doing a lot of sprinting I needed something capable of towing a car trailer comfortably and reliably. But I also wanted something I could enjoy driving as my daily transport.
City Commuting Doesn’t Suit Big Cars
And that’s what happened, basically – for the past 18mths or so I’ve driven 12 miles to Liverpool city centre, and 12 miles back – congested roads, with a lot of stop-start action. In the end I bought a Golf TDI which makes much more sense for that kind of driving. Although I’m tempted to keep the Saab, which I will if I can’t get the right price, I know that in reality it’ll get far too little use in the coming year or two. The sensible decision, then, is to sell it.
So, here goes…
Specification
This is a 2004 (04 plate) 9-5 Aero HOT Estate with 250bhp. The full specification items worth listing are as follows:
Bi-Xenon headlights, headlight washers, factory alloy wheels, factory CD/Radio, Nokia Bluetooth Hands-Free (works with most phones), electric windows all round, electric mirrors, heated mirrors, split climate control, dual-colour leather seats, leather steering wheel, lots of airbags (5* NCAP Rating), ABS, Electronic Stability Program, new Vredestein Giugiaro front tyres and lots of life on the identical rears, detachable tow bar, FSH (main dealer or specialist only), two owners (first owner the dealership as it’s an ex-demo car), 58,000 miles, 10 months MOT, Tax until 10/09.
The car is in a gorgeous Capuccino Black. In other words, most of the time the car looks black or very dark grey, but when the sun shines on it you realise that there’s a pearlescent bronze finish. The photos below really capture this, which took some effort as it’s not easy to show in pictures – normally it just looks black.
Damage Worth Noting
I’m nothing if not thorough and feel it’s worth noting everything even if it’s minor so that you’re not disappointed if you travel – the car has a couple of tiny dings from the careless door opening of others. It has a small ding that’s almost but not quite invisible under the nearside rearmost window with a matching scrape on the bumper – that was a van in Paris that did it, and no, he didn’t leave details. But I’d say very few people can spot these marks – I’ve taken close-ups, however, to try and show marks. Also, one of the alloys has a barely visible kerb scrape on it. Picture shown. There’s a few minor and normal stone chips that could do with being dealt with by chipsaway or similar, but one left a tiny ding on the bonnet. Another tiny ding was caused by the biggest hailstorm I’ve ever seen, over in Italy. I expected worse….
Get in Touch – Price to be around £6200
If you’re interested, you can contact me through the contact form on this site, or simply call me, during office hours or in the evening on 0151 709 7977.
If you’re wondering whether someone with the word ‘mental’ in his website address and a history of motorsport will have taken care of his car… well, in racing if you don’t take care of your car you often end up with an accident at some point. Or losing. I apply the same philosophy to my road cars – look after them and they look after you.
Enjoy the gallery – simply click on a thumbnail to get the big version, and you can then move between images by clicking on the arrows that come up.
And a Deep Zoom Seadragon view of the under-bonnet area
And now, PhotoSynth
Yes, I may have been playing – I’d be interested to know what you think of this use of technology…
