My mother (courtesy of my address) received a letter from Aviva Insurance last week. She has a whole-of-life assurance policy still in force - this policy was issued (I think as a contribution towards funeral costs) many years ago by Sun Life, whose business was absorbed by a succession of larger dinosaurs over the years, the current incumbent being Aviva.
The letter explained that this policy was to become free (i.e. no more premiums) since she is now 95, and that the cash-in surrender value would now be equal to the value on death. This is the same procedure we recently went through with Prudential - eventually these old "industrial" policies cost more to keep in force than they are worth to the insurer, so this is pretty much standard practice - except that the shut-off age is usually 90. My mother is currently paying £5.95 a month for this policy - at a rough estimate, she has paid about two-and-a-half times the death value in premiums over the years, but no matter - she is lucky to have lived this long.
I rang the customer help desk number given in the letter, and spoke to a very helpful chap who accepted that my mother was not well enough or aware enough to be able to write, nor speak on the phone, and that I had Power of Attorney (PoA) for her affairs (though I am not registered as such with Aviva). He also suggested that surrendering the policy now would be a smart move, since my mother's potential funeral costs are trivial compared to the cost of her care while she lives - and we agreed that I would send in my PoA documentation by registered mail, so that we may proceed with the surrender.
It cost me some £4.55 for a small parcel, to be signed for on receipt, and the PoA stuff went off to them with a covering letter and photocopies of the policy and their original letter. This morning the paperwork came back, with a letter (a standard letter with customer details inserted) which explains that the PoA material is not acceptable, for a whole pile of reasons - basically that the document must be either a signed approved copy or else the original.
Naturally one has to do these things correctly, but I'm well practised in this stuff - the Certificate of Registration I sent is a signed, approved copy and the PoA documents are originals - on the official OPG embossed paper. I believe it is completely legal - it has previously been accepted by HM Revenue and Customers, the State Pensions Department, two separate private pension funds of which my mother is a member, Bank of Scotland, Royal Bank of Scotland, Trustee Savings Bank, Santander, National Savings and Investment, Prudential, East Lothian Council, and all manner of traders and utility suppliers my mother previously had accounts with. These documents have toured the UK over the last 10 years, at some expense.
What, you may ask yourself, is special about Aviva?
My irate descriptions of the company this morning may have included some potentially unusual elements - I fear I rather offended the Contesse with my views. I shall phone them on Monday, after my blood pressure medication, and see what we should do next. I am reluctant to send the documents again. The policy, I must add, is only worth some hundreds of pounds, so, since it will eventually become payable when my mother passes away I am tempted to forget about surrendering the policy. I'll try to phone them on Monday - see how it goes.
I suspect there is nothing very special about Aviva. I think it is likely that some dogsbody in Legal Life Services (so it says) saw the unmissable opportunity to get out of doing something by throwing the carrot back into the customer's court and - maybe? - to spoil someone's day while they were at it. I shall shrug this off. If Monday doesn't go well then I'll just forget the surrender offer - I'll check that the premiums stop, you bet. I'll write myself a note about what has happened, and dig the policy out when my mum dies.
If there was ever any remote chance of my ever doing business again with Aviva (after the house insurance pantomime...) then I guess it just vanished.
Napoleonic & ECW wargaming, with a load of old Hooptedoodle on this & that
Saturday, 2 November 2019
Wednesday, 30 October 2019
Join the Queue
Some new figures in the painting queue this week - well, not new, exactly - some of them haven't been owned before, but they aren't new.
Anyway, he spotted some OOP Falcata figures in Spain, and very kindly brought me back a pack. I, of course, was much less calm about the matter, and promptly lit up the Internet in my searches to see if there were any more. I am pleased to say that I seem to have managed to snaffle the world's final stocks of the Spanish cavalry.
To save a little on postage, since shipping rates from Spain are famously extravagant, I arranged with my friend Jack the Hat that he would collect the goods for me next time he visited Barcelona (he has an apartment there), and the deed was done last week. I think I have enough for 4 units of line cavalry. They can go in the Spanish box, and I'll get to them.
Anyway, he spotted some OOP Falcata figures in Spain, and very kindly brought me back a pack. I, of course, was much less calm about the matter, and promptly lit up the Internet in my searches to see if there were any more. I am pleased to say that I seem to have managed to snaffle the world's final stocks of the Spanish cavalry.
To save a little on postage, since shipping rates from Spain are famously extravagant, I arranged with my friend Jack the Hat that he would collect the goods for me next time he visited Barcelona (he has an apartment there), and the deed was done last week. I think I have enough for 4 units of line cavalry. They can go in the Spanish box, and I'll get to them.
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| Jack the Hat, cunningly disguised (without hat), does the messages |
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| To give an idea of Count Goya's exotic lifestyle, he even has his own food manufactured and supplied when he is on his travels |
Tuesday, 22 October 2019
Hooptedoodle #348 - ...you know, maybe it is funny, after all...
This morning the plan was to visit my old mum, in the care home in the village. Sometimes this can be kind of heavy going, but the visits mean a lot to her (though she forgets about them almost immediately), and I do feel better afterwards.
This is not a great time, for a lot of reasons - I drove off to the home in my van, trying to find something on the radio which was not about the latest political excitement here in the UK - not easy. Apparently Adrian Mole and his football hooligan sidekick have pulled a brilliant fast one by sending some foreign chaps a letter written in disappearing ink (or something). Wow - what a corker. I can feel patriotic pride flooding though my old veins. What a bunch of self-serving tossers.
When everything turns to rat droppings, Schadenfreude is probably all we have left. Ultimately, I'm past caring what happens - bring it on, but I do have a list of key individuals who I hope get their just desserts after the public enquiry. In such a context, trying to engage my mother in conversation is something of a light relief.
She can only stand my visits for about 30 to 40 minutes (people who know me may understand this), then she starts to get anxious, so when the time appeared to be right I said cheerio and see-you-soon, and left, to get some groceries at Tesco's on the way home. There's a strict regime at the home, whereby visitors have to sign in and out. This all makes good sense, and I was told that, if there's a serious fire, the signatures in the visitors' book will make it easier to reconcile the body count. That's probably more security information than I had thought I needed, but it also bothers me a little - what happens if the book is consumed in the flames? Never mind - if I'm dead, I won't care.
I signed out (11:45, if it matters), and as I opened the front door to leave there were two fellows standing outside - plumbers, come to service the heating. I held the door open for them, exchanged "good morning"s, and the older of the two said:
"Does someone on the staff know you're going out?"
"It's OK," I told him, "I've signed the book".
So that was all right, then, but I was a bit shaken. As I went to retrieve my van, I was actually laughing out loud. Hysteria? - quite probably, but there is a certain black humour in the thought that one day I may be trapped in the home forever because the plumbers aren't convinced I'm a visitor. Not even Adrian Mole is above such judgements, eventually, I guess. Thank you, God.
Maybe I should take a break from watching my Twilight Zone box set.
Here's a trailer from one of my favourite movies, which is getting more poignant every day.
This is not a great time, for a lot of reasons - I drove off to the home in my van, trying to find something on the radio which was not about the latest political excitement here in the UK - not easy. Apparently Adrian Mole and his football hooligan sidekick have pulled a brilliant fast one by sending some foreign chaps a letter written in disappearing ink (or something). Wow - what a corker. I can feel patriotic pride flooding though my old veins. What a bunch of self-serving tossers.
When everything turns to rat droppings, Schadenfreude is probably all we have left. Ultimately, I'm past caring what happens - bring it on, but I do have a list of key individuals who I hope get their just desserts after the public enquiry. In such a context, trying to engage my mother in conversation is something of a light relief.
She can only stand my visits for about 30 to 40 minutes (people who know me may understand this), then she starts to get anxious, so when the time appeared to be right I said cheerio and see-you-soon, and left, to get some groceries at Tesco's on the way home. There's a strict regime at the home, whereby visitors have to sign in and out. This all makes good sense, and I was told that, if there's a serious fire, the signatures in the visitors' book will make it easier to reconcile the body count. That's probably more security information than I had thought I needed, but it also bothers me a little - what happens if the book is consumed in the flames? Never mind - if I'm dead, I won't care.
I signed out (11:45, if it matters), and as I opened the front door to leave there were two fellows standing outside - plumbers, come to service the heating. I held the door open for them, exchanged "good morning"s, and the older of the two said:
"Does someone on the staff know you're going out?"
"It's OK," I told him, "I've signed the book".
So that was all right, then, but I was a bit shaken. As I went to retrieve my van, I was actually laughing out loud. Hysteria? - quite probably, but there is a certain black humour in the thought that one day I may be trapped in the home forever because the plumbers aren't convinced I'm a visitor. Not even Adrian Mole is above such judgements, eventually, I guess. Thank you, God.
Maybe I should take a break from watching my Twilight Zone box set.
Here's a trailer from one of my favourite movies, which is getting more poignant every day.
Saturday, 19 October 2019
Change of Scene
On Thursday I travelled down to visit
Graham - he of Crann Tara Miniatures,
and the very fine Scotia Albion blog - a
real celebrity by my standards!
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| Crann Tara - '45 Rebellion - British Line Command, Marching |
I had a splendid day - again, I must express
my appreciation of Graham's kindness and his resilience and patience in
answering my stupid questions so well and so openly. I learned a great deal, I
have to say, and he very kindly printed me some samples of Vauban-type
fortifications, and provided me with links to some of the more promising sites
which provide files for printing (including some, such as Thingiverse, which provide the files free of charge, subject to the
usual courtesy rules about non-commercial use and giving credit where it's
due).
I accept that the 3D printing machines are
probably pretty familiar now, if not to me, but I hadn't realised that they
come in various types. Graham has a Prusa machine, which prints using a plastic
filament (FDM - Fused Deposition Modelling), and he also has one which is physically smaller (I have forgotten
it's maker, but you can find all this on Graham's blog) - this second one
produces the printed models in a resin bath rather than on a flatbed in the
open air (which is what the FDM one does). Both produce
astonishing results - the resin models show fine detail rather better (for figures), while
the filament machine is better for buildings and similar pieces. I saw figures
of various types, in all sorts of sizes, and am very impressed that the muskets
and bayonets appear, faithfully and beautiful, right down to the smallest size. The afternoon was filled with tiny tanks, bren-gun careers, triremes, the hulls and sails of sailing ships, soldiers of every known size and all manner of bits and pieces for fortifications - even furniture for dolls' houses...
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| Prusa FDM 3D Printer - probably not the same model! |
The cost of production of the pieces is very low, though the machines themselves are obviously a serious investment if you are looking for quality and reliability. Printing is slow, which is not a problem, though it requires some commonsense in scoping projects and realistic production times. I was interested to learn that with the resin machine you can group several soldiers (for example) and produce them as a single job, with the same elapsed time as a solitary figure - on the other hand, the FDM printer will do the figures as a single batch, but the times will be additive. I was about to add a note here about why this is so, but I suddenly remember that I am out of my depth.
I also saw a lot of beautiful and interesting painted soldiers, of course, which is inspirational and humbling at the same time, and we talked a lot about wargaming - no-one expected that! I had an excellent day all round.
It's a part of the country I really don't know at all. I was favourably impressed - it was a fine, sunny day and, maybe apart from Hartlepool [!], the area is more attractive than I expected and, of course, the people are lovely. In the evening Graham took me along to the Redcar Raiders Wargaming Club, which meets in a pub (yeah!). The members were very friendly and welcoming - that's a thriving club. I wandered about, looking at the activities, trying not to do my usual Banquo's Ghost impersonation. Amongst other things, there were a number of Warhammer-style games, and Blood Bowl (which is new to me), and an interesting looking naval game called Blood and Plunder. All great fun.
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| Redcar Raiders - photo borrowed from their Facebook page |
Thanks again, Graham, for your time and generosity - a fascinating day, and very educational. I'm going to do some more reading online about 3D printers, to see what possibilities there are for adding the missing bits to my existing Vauban fort.
Topic Two
One result of what I have learned is that I now realise that 3D printing is the way to progress my fort and my siege gaming, whatever my timescale, and however ambitious the intentions of the project might become. One immediate casualty is that one of my interim "diversification projects" has now become defunct, which means I have a spare fort to dispose of.
I planned to put this on eBay in a few weeks. Here are some photos - if anyone is interested, please email me at the address in my profile, or else send a comment to this post (stating that it is not for publication) with your email details, so I can contact you. What I have on offer is anyscalemodels.com's Vauban fort set, with some extra pieces. I regret that it would be a bad idea to mail it outside the UK, since the postage costs will be more than the price of the item - apologies for this, but UK only, please.
Some measurements - it is, as you see, a square fort. It's nominally 15mm scale, and it's cast in hard resin (the larger pieces are hollowed out, to keep the weight down). There are 4 walls, 4 bastions, 2 gatehouses and 4 staircases.
Overall size is 515mm square; the walls are 55mm to the top, and the straight wall sections are 180mm long, the roadway behind the rampart is 42mm wide. It is as new - I bought it about a year ago, and it has been stored, unpainted, in the original packaging - it just needs to be washed and painted. I'll try to get a painted view from Anyscale Models' website.
If you're interested, please get in touch. If there's no interest, I'll put it on eBay in a few weeks, but the price is likely to go up a bit to cover overheads.
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| Photo of painted Vauban Fort borrowed from Anyscale Models' website - I am offering a few additional bits |
Thursday, 10 October 2019
Hooptedoodle #347 - Amazon Prime Telephone Scam
Armed with our whizzo anti-nuisance phone, we have got rather used to not being hassled by morons, but the use of randomised fake caller numbers seems to have brought the problem back.
No damage done here, but just a general heads-up. This scam was going the rounds last year, based on fake emails. It's now moved to the telephone. This last week we have been averaging 3 or 4 scam phone calls a day, sent to both our landline and my wife's mobile. The sender number appears to be randomly generated - none of the numbers is listed on Who Called Me and similar sites, and a call to any of them is rejected as invalid - no such number. Thus we can block each individual number as it is used, but it doesn't help much.
On the 3 occasions we've answered the call, there is a recorded voice message (English, with an Indian-subcontinent accent) which tells us that our Amazon Prime account will now renew itself by billing us $39.99 each month. If we do not wish to renew, press "1" to speak to an account advisor.
We did not press "1", of course, though some nervous people might. None of us has an Amazon Prime account (I can't imagine why we would want one), though both of the telephones in question were used in connection with chasing up recent non-delivery problems (and promised but imaginary refunds) associated with the Amazon Marketplace. Coincidence?
I don't think changing passwords or anything is going to help - we could change our contact numbers for our Amazon accounts, I guess. For the moment we'll just try not to answer, not play along and hope they get fed up with us soon.
Anyway - keep an eye open. I have already ditched my eBay account because of the security risks. I'd hate to lose access to Amazon, but I am starting to think about not buying anything more from Amazon's "marketplace" sellers. I'm sure they are mostly bona fide, but we've come across some lulus.
No damage done here, but just a general heads-up. This scam was going the rounds last year, based on fake emails. It's now moved to the telephone. This last week we have been averaging 3 or 4 scam phone calls a day, sent to both our landline and my wife's mobile. The sender number appears to be randomly generated - none of the numbers is listed on Who Called Me and similar sites, and a call to any of them is rejected as invalid - no such number. Thus we can block each individual number as it is used, but it doesn't help much.
On the 3 occasions we've answered the call, there is a recorded voice message (English, with an Indian-subcontinent accent) which tells us that our Amazon Prime account will now renew itself by billing us $39.99 each month. If we do not wish to renew, press "1" to speak to an account advisor.
We did not press "1", of course, though some nervous people might. None of us has an Amazon Prime account (I can't imagine why we would want one), though both of the telephones in question were used in connection with chasing up recent non-delivery problems (and promised but imaginary refunds) associated with the Amazon Marketplace. Coincidence?
I don't think changing passwords or anything is going to help - we could change our contact numbers for our Amazon accounts, I guess. For the moment we'll just try not to answer, not play along and hope they get fed up with us soon.
Anyway - keep an eye open. I have already ditched my eBay account because of the security risks. I'd hate to lose access to Amazon, but I am starting to think about not buying anything more from Amazon's "marketplace" sellers. I'm sure they are mostly bona fide, but we've come across some lulus.
Tuesday, 8 October 2019
Hooptedoodle #346 - Pauly, the Iron Man
Yet another off-topic story of no
consequence, about some odd-ball I used to know. This one is not only
off-topic, but also definitely off-colour, so if you don't fancy the idea, or
are easily offended, please skip it and go and read something else. I quite
understand. Enjoy the rest of your day.
This recollection was sparked by a recent conversation
with a mate of mine, in which we revisited some treasured tales of Pauly, a
mutual friend, whom neither of us has seen for some years.
I first met Pauly when he was about 30. He's
a native of Portstewart, in County Londonderry, though subsequently a
Glaswegian, and I came to know him when I moved to this area because he was a spare-time musician (such lost
souls tend to attract each other in the void, like asteroids). He was also
renowned as a volunteer fireman in a local village.
He played the uillean bagpipes, and pretty
well, too, I believe, though I never heard him. He was also a drummer (of
sorts). As a self-taught drummer he was passable, but had a very narrow range
of styles and was completely unable to play quietly, which is definitely a
career limitation for a drummer. He and I were once involved in a wedding band
in a local village hall, and the event was so loud and so unruly that the police
eventually stopped it - that village hall has never been allowed to put on
music since that occasion. Not even for children's tea-parties. This is fame of
a sort, I guess.
That brings us to the underlying theme of
this story - wherever Pauly went, if there was drink involved there was
frequently trouble. He was a lovely man, amusing, and generous to a fault, but
he stands out in my personal annals as one of the very few genuine desperadoes
I ever met.
When I first met him he had just recovered
from an "accident", in which he had dived into the sea from a cliff,
and been lucky to escape with only a damaged vertebra in his neck. When pressed
on the matter, he claimed that he had done this "for a laugh", to
entertain some friends. He also claimed that he was unlucky in that he had been
assured that it was safe to dive from this cliff, though he chose the wrong
cliff (the assurance being in respect of a nearby, but totally different
cliff), and he accepted that he was probably fortunate to survive.
Pauly was ex-army. After he left the army he
appears to have taken "a few years out" - his main interest (apart
from wild bouts of heavy drinking) was in keeping supremely fit. He was a
regular, and very successful, competitor in various extreme competitions such
as the Iron Man triathlon events - he
was a hill runner extraordinaire, a mountain biker, swimmer, wind-surfer, diver
and general madman. Whatever he did, it was invariably over the top. My mother
would certainly not have allowed me to play with him, I think.
He told many hilarious tales - almost
always self-deprecating, with himself as the butt of the humour. After his
part-time spell as a volunteer fireman, he took a permanent job with the fire
brigade in a nearby town (Musselburgh), and he got married and had a couple of
kids and showed definite signs of settling down, though the fire service is
probably never very calm. Obviously he did his share of cutting people out of
motor wrecks and searching buildings for bodies - none of which he talked about.
Later he was promoted to be a fire officer in a market town in the Borders, he
moved away from these parts and bought a lovely old house in the grounds of a
private school. His wife was a psychiatrist - a super lady - I guess she calmed
him down. I visited him one weekend in the Borders, on an off-day. He was very
happy, his new home was splendid, his family was everything to him, and I
realised that he was no longer the crazy man I used to know. I guess this is in
itself a happy ending, so I wished him well, and apart from occasional Xmas
emails I haven't been in touch since.
My favourite of his fire service stories concerned
the rescue of a very large lady in Musselburgh who decided to take a bath one
Saturday night, when she was drunk. Alas, the plastic bathtub cracked under the
weight, and she was trapped in the wreckage. The alarm was raised when the
bath-water brought down the bathroom ceiling in the apartment below. We should
draw a veil over the details of this episode, but it does give an interesting
insight into the hazards and the delicacy necessary in the work.
Pauly was at his most entertaining
recounting his adventures hitch-hiking around the USA and South America. His
post-army drop-out period started off in the States - he managed to support
himself by playing the bagpipes in malls and doing odd jobs. He was arrested on
a number of occasions for possessing weed, though this only became nasty when
he was jailed in El Paso - the police picked him up for vagrancy, confiscating
all his money and papers to make the point. He was in serious trouble since his
visa had expired. They kept all his stuff (including the bagpipes) and did a
deal by which they dumped him and another hitch-hiking pot-head in Mexico, on
the understanding that they did not wish to see him again.
He had a pretty wild and very confused time
in South America. He was there for
almost a year. He made long trips on lorries, and in railway trucks. He mixed
with some of the most iconic dead-beats of history. He made a little pocket
money doing labouring jobs, cleaning jobs, washing dishes - whatever came up. It was never
legal - he never had valid papers for being anywhere - he still had his British
passport, but that was it. He deliberately kept a low profile at all times.
At one stage he arrived after a long ride
in a truck at some coastal city (it might have been Valparaiso - it doesn't
matter). He headed off to an apartment for which he had been given the address,
dropped his bag off and was dragged down to a beach for a party. He spent the
night drinking with a bunch of layabouts. At some point money was put into a
hat, and someone went off and brought back some food. Pauly subsequently became
very ill, and passed out on the beach. He was awakened by the tide coming in...
He was really not feeling good at all, and
was disappointed to realise that he had (to put it in a straightforward manner)
soiled himself during the night. He made an attempt to clean himself in the
sea, with limited success. He still had a small amount of cash, so he set off
to put matters right. He went to a street market in a poor area near the
harbour, where he just had enough to buy a very cheap pair of jeans (men's -
medium) and some underclothes. With commendable initiative, he walked into a
shopping area, entered a supermarket and locked himself in a customer toilet.
He cleaned himself up, took the plastic bag off his new jeans, wrapped up his
soiled old jeans in the bag, and got rid of the evidence by throwing it out of
the window into an alley-way. Only then, when he unfolded them, did he realise
that his new jeans from the market stall were actually a denim jacket.
He did magnificently. He put the jacket on
as a kind of loin cloth - upside down, back to front - tied the sleeves around
his thighs and pulled his tee-shirt down as far as it would go. He said that he
looked unbelievable, but he walked out of the crowded store - no-one gave him a
second look, apparently - and made his way to the apartment. Every day, in some
dubious part of the world, people must be performing acts of improvisational
heroism like this which put us all to shame. In his way, Pauly was a legend. Certainly,
his adventures are still told in hushed whispers.
Friday, 4 October 2019
I May Be Busy for a While
On a daft whim I ordered this - Blu-Ray box set of the "complete" Twilight Zone, available on a special deal - though opinions vary as to how complete it is. It's OK with me - I didn't see many of the original UK telecasts - we didn't have a TV for much of that period.
Box arrived safely today. 156 shows on 32 discs, I believe. I'm sure there will be some disappointments in there, but there's plenty of scope - whenever there's a risk of my getting around to doing something useful, I have no shortage of things to distract myself...
Another example of transplanted nostalgia - a wish to revisit something I never experienced in the first place!
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