Foreign Perspectives

Archive for the ‘UK’ Category

I see that the Information Commissioner would like breaches of the magnitude seen this week made a criminal offense.

But if it were so right now, who would be the person being arrested by the police? Would it be the “junior official” who appears to have made an error in using a courier firm rather than the Royal Mail. Yet, at the time he would have been told NOT to use the Royal Mail as they were planning to go on strike that week.

In such instances, the instructions are to use courier services instead and that’s just what he did.

Many people have said that such a junior official should never have been responsible for so many records yet that’s the reality of day to day operations in large government departments. Quite junior people need to be able to work with all the records in that way. Surely no-one is expecting the head of HMRC to run the programs that process the various benefits himself?

Short of getting in the car and driving down to London with the CDs, just how could he have gotten the information to London? Yes, there is encrypted e-mail between government departments but it’s just not up to e-mailing two CDs full of information. After all, normal e-mail systems usually can’t even e-mail a single digital photograph these days.

It looks like the UK government is shaping up to provide yet another unconditional guarantee with an open-ended cost for the taxpayers.

Last time it was Northern Rock for which they have kindly guaranteed that everyone in the UK will pay £1300 to support a bank that should simply have been allowed to fail. This time, it’s potentially even more than that as they appear to be about to guarantee that they will cover any losses incurred by any of the 25 million people who are not potentially at risk to identity fraud thanks to action by the government.

Still, at least they are directly responsible for that this time around.

Every time that the issue of ID cards comes up in the UK, there are questions asked about how securely the information collected will be held and every time the government says “trust us”.

Well, today we’ve seen just how much we could trust the government with our information. Not that far at all as it happens as they’ve just managed to lose the complete ID records of just about everyone in the UK. Had it been anyone other than the government that had lost it, those places providing ID theft solutions would be advising everyone to change their bank accounts. When you’re talking millions of people, that’s not really a runner of course.

Still, there are encouraging signs in this fiasco. For one thing, it’s a great example to refer the government to when they say that the ID card information will be perfectly safe. And, of course, it’ll be a brilliant excuse to use when your bank claims that you’ve overspent on your credit card as you’ll be able to say that your identity was stolen.

Perhaps TNT aren’t the best company to use if you’re sending really valuable items in the post!

One thing that really amazes me is how few people even think about what using their credit card abroad is costing them. For that matter, there is still quite a significant number of people who buy all their foreign currency in the Post Office assuming that “commission free” is exactly the same as “free” when, of course, it isn’t.

Taking a nice round amount of £100 for simplicity, that “commission free” purchase actually costs around £6.50. In fact, in some cases it can be cheaper to get the money from a place that charges commission as the exchange rate they use may be better. The cost to spend that amount abroad on most cards? Well, that’s just £2.75 (£7 if you lift cash out of an ATM with a credit card).

What about that nice prepaid card that the travel agent sold you? The £100 will cost around £30!!

But surely you have to pay no matter what you do? Well, no, you don’t. Get a Nationwide Building Society flexaccount and both cash withdrawals and purchases don’t have any foreign exchange charge.

More on this at our article on getting money abroad.

Most of the time you just assume that the Internet runs 24/7 and that it doesn’t have a timezone as such.

That works fine for most people except that obviously many of the new “live chat” support services are generally only online during the business hours of the company providing them which, at the moment, usually means either the east or west coast of America which ain’t too handy for us folk in Europe. In fact, I’ve only once seen one of those services online when I was looking for it.

However, for me the bigger problem is that the paid posting outfits are generally on the east coast of America which is five hours off for us. Although in theory the opportunities are there 24/7 in practice the folk in the office put them on during their business hours of something like 9am to 6pm which, for us, means 2pm to 11pm although it looks like at least some of their staff work later than that as some opportunities come on after our bedtime. Net effect of this is that naturally the folk to the west of them get the majority of the high paying ones and in the morning we see all the great payouts that we missed during the night.

Sadly we’re a long way from it being economic for us to relocate to America or at least somewhere in their timezones so we can just gripe about it for now.