Tag: banking

Back to Work

This is a story about returning to normality…

One week from today I’m going to start circulating my CV and generally getting back in touch with my network to try and find some work. It’s been a surprisingly long road, getting back on my feet.

I’ve picked an arbitrary date to try and get back into the swing of the working world. I certainly don’t feel very well. I’m tired all the time. I still need help and support to deal with things, which are otherwise overwhelming to me.

However, I seem to have an on/off switch inside me. When I’m powered down in the ‘off‘ position, you would barely believe how dysfunctional I am. Just getting out of bed and getting some food is considered a highly productive day. Pathetic, I know.

Something triggers me to switch gears from neutral, to top speed. The ‘on’ switch gets thrown and then the only problem is slowing me down enough to try and stop me from burning out. Next week is going to be a blur of activity, and if things go right, then there will be at least 3 or 4 months of frenetic activity before the circuitboards melt.

There are lots of bits of data that are graphable to see these two poles in my behaviour. Whether it’s my bank balance or my activity data, collected by the movement sensors in my watch & phone, they all show the same thing: peaks and troughs.

Sadly, I would say that the peaks and troughs are getting more and more extreme though. I was certainly having some very odd thoughts and ideas when I was getting really tired last year, but I was in the middle of a highly productive phase. I had great difficulty biting my tongue, and thinking about the medium to long term benefits that would selfishly suit me best.

It’s quite possible that I’ve totally busted my brain by just asking way too much of it. I’ve tried to be really kind to it for long periods, to see what difference that makes, but it’s a bit like a tube of toothpaste that’s open at both ends… you can put the cap on one end, but the toothpaste still oozes out of the other end when you squeeze it.

There’s so much pressure in modern life. There’s no opportunity to stop and catch your breath. Just as soon as I’m physically able to drag myself into an office for 8 hours a day, and not fall asleep in every meeting, I have to get back in the saddle and earn another load of cash, knowing that my episodes of stability are increasingly rare.

It’s really strange, but I think that I used to know what was best for my health, and be really strict with employers, way before I got sick. The idea of working weekends was really offensive to me, and having to do on-call work, or late nights was something I’d only do very occasionally, and there had to be the bait of a big bonus or promotion on the table if I was going to do it.

I used to be really good at managing my long-term health. I made sure I took all my holiday allowance every year, and I made sure I always had something to look forward to. I was also really strict about maintaining a good work:life balance. I was fit and active, spending most weekends at the beach, kitesurfing. I was sociable and had all the right elements to create a fulfilling healthy life.

Nowadays, if I can work, I work. I live for work. When I’m not working, I’m just eating and sleeping. My existence is isolated, unhealthy. I dare not spend any money. I dare not take a holiday. I don’t feel like a whole, functional person… and I don’t see my friends. I feel worthless.

Frankly, when I am working, I’m way too intense at the moment. It doesn’t take me very long to get a handle on an organisation and its objectives, and to understand the team and technology. From there, I seem to fall into my old pitfalls of becoming cynical and overly outspoken. Plus, I’m always in such a rush to get everything done… there isn’t an IT project in the world that isn’t late or overbudget.

It’s hard when you’ve worked at a particularly demanding level, managing your own team or department, or even running your own company… and then you’ve got to slot into a massive corporate environment. It’s hard to get back into the mindset of the wage-slave. It’s hard to remember how to achieve the difficult balance between getting stuff done, and just terrifying the hell out of senior management, because things are happening at breakneck pace.

There was one particular piece of work that I was doing, and I knew there was a really important deadline to hit. There was a TV screen setup, which would light up green when we had succeeded and hit our deadline. I was working away in one of the meeting rooms, away from distractions on the open office floor. I knew that there was going to be a really tricky period to navigate with some of the senior management, who didn’t understand what I was doing.

My very worst fears were confirmed when the senior management came rushing into the meeting room to say that there had been cheering in the office, because I’d made the screen go green. I then had to tell them that it was only because I had done some contingency work in preparation for the proper work. The pained and stressed look on their faces was unbearable, but I knew I only had 10 or 15 minutes to wait until the real ‘green light‘ popped up, hopefully.

There then followed a very strained 10 minutes where I attempted to explain that I had done something to give us a retreat route, in case there were problems further down the line. The senior managers felt that I had done something cavalier, they felt misled, they were confused, they were disappointed, they didn’t understand… this continued for 12 or so minutes.

Then the screens went green again, much to my relief. There we go. Job done, that was the event that they should be cheering. I had just been killing time explaining what I’d done, because I had a great deal of confidence that everything was going to be OK.

Such is the way with IT. The explaining takes the time. The work is normally trivial.

It takes time to get used to working with me. I tend to work on the principle that it’s easier to ask forgiveness than ask for permission. I just put a great deal of pressure on myself to make sure that I get things right when I’m sticking my neck out.

I’m pretty unencumbered by fear, especially now I’ve been to hell and back a few times. This could be part of the general broken brain problem I’ve got. I have absolutely no fear of being reprimanded… I stick to my guns when I know I’m right, and my hunches are normally right too. There are so many times when there is enormous pressure to say or do the wrong thing, and the middle ground is to simply button your lip, say nothing, go along with some madness.

I’m not very good at going along with amateur hour.

I was working such long hours that I was staying in a hotel just minutes away from the office. I even had to take my washing to work with me

Tags: #career #banking #computing #london #bipolar

18 April 2016
Virtually Reality

This is a story about warped perceptions…

The world in which I inhabit is vastly different, depending on the state of my broken brain. Mood fluctuations cause me to interpret things very differently than a supposedly ‘normal‘ healthy individual would.

I’ve written a lot this year about drug abuse, but I’d like to talk about a time before drugs even entered the story and made the water muddy. I’d like to talk about what it was like from 2008 through to 2012, when my brain was just doing its own thing, without drugs or medication.

If you’re a person of prejudice, it won’t surprise you to learn that drugs mess you up, but you might be surprised to learn that my mental health problems predated any drug abuse. You might also be surprised to learn that people can recover too, and go back to ordinary life, with nobody any the wiser as to your dark past.

But this really isn’t about drug abuse, remember? We’re talking about a period of 4 years that predated any psychoactive substances making things all messy and confusing. We’re talking about when I first went to my doctor, because I was struggling with my mental health.

I spent just over a minute of explaining to my doctor that I felt completely exhausted, overwhelmed and unable to face friends, family, work or anything… I had drawn the curtains and switched off my phone, and retreated under the duvet, and could barely make it to the doctor’s surgery.

“Have you heard of Fluoxetine?” my doctor asked. I said that I had, and that I knew that the trademarked name that it was more commonly known as was Prozac. I said that I had read very bad things about emotional blunting and ruined sex lives of those people who were taking Prozac. I had read Elizabeth Wurtzel’s biography, Prozac Nation, where she didn’t exactly speak highly of the 25 year old medication.

How sad that the National Health Service (NHS) would be offering some cheap generic pills after only a minute of getting to understand a patient’s problems. It takes 6 weeks before an anti-depressant SSRI medication like Prozac takes effect, and it’s a fairly serious decision, to put somebody on long-term medication. I think it’s a little ridiculous that we don’t offer more talk therapy, as a first line of defence.

So, I was diagnosed as having Clinical Depression, within just a few minutes. Something I also knew, but didn’t have the time to discuss with my doctor, was that SSRIs can be very bad for people with Bipolar Disorder. I knew my moods fluctuated up as well as down, so I had my suspicions that I was Bipolar, and that was another reason to avoid Prozac.

When you’re depressed, everything seems hopeless. I had decided that I was useless at my job, that I hated working in offices, that I hated computers and software, and that I couldn’t handle a career in IT anymore. I also lost interest in going out, sex, food… I pretty much just slept, or lay in my bed feeling anxious about the fact that I was off work sick.

After a couple of months feeling like this, I hit upon the idea that I was going to write a computer game for the first generation iPhone, to be ready in time for the launch of the App Store.

Although I had decided that my office-based IT career was over, the idea of programming on my laptop in my garden in the sunshine didn’t sound too bad. I knew that the early limitations of the first iPhone meant that I could make a fairly basic game, and compete with other developers. I decided that if only a few people bought my game, it was still a fun experiment.

And so began a period of intense activity. I would work for 18 hours a day, 7 days a week, in order to capitalise on those precious early days of the App Store when there were hardly any apps on there. It seems incredible now, that there were only a few hundred or few thousand apps for the iPhone. There was no Android. There was no iPad. There was just one smartphone that created a billion dollar market, overnight.

When we look at that crazy period of my life, when I was churning out apps, it’s pretty clear to see that my mood had swung to another extreme. I didn’t have time to explain things to people. My thoughts were racing, speech seemed like a frustratingly slow way to communicate, eating and sleeping were an inconvenience, certainly I didn’t want to do anything other than work on my apps. I was single-minded to the point of obsession.

In economic terms, things paid off. I got a couple of my apps to number one in the charts, briefly. One of my apps was downloaded 8,000 times in a day once, and another one racked up 500,000 downloads in a month. This was clearly a brilliant gold rush.

I knew that the quality of the apps being released was increasing steadily, and the opportunity for one fast burning out dude in his garden were rapidly diminishing. I started to really hate the work anyway. I had a whirlwind affair as an indie games developer, and it happened so fast that I started to hate it, just like you start to hate any job that you’ve mastered and has become easy.

Possibly this was a sign of my mood turning again. I had managed a period of several weeks, working at a ridiculous level, and what goes up inevitably must crash down. I hadn’t been able to exert myself to such an extent since the school holidays in childhood. There’s no way you’d ever be given 6 to 8 weeks to concentrate and just get on and hammer out a project, in a corporate environment.

My mood started to alternate between depression and hypomania (as described above) and I would turn each episode of frantic activity into a period of opportunism, to make money or produce something tangible.

Getting myself back into an office environment and doing some IT contracting re-stabilised me a little bit, and getting a boat so that me and my friends could go wakeboarding was something I was passionate about, and consumed my lunchtimes, after work in the summer, and weekends. My life got back to normal, for nearly 2 years.

During that first depression, I had set certain wheels in motion, however. One particular scheme was retraining as an electrician, while I was working as a programmer still. When I had finished my training, I quickly quit my job.

Going back to an unstructured form of making money, I started working too hard again. Building a business from nothing, to breakeven and hopefully to profitability is not quick and it’s not easy. I managed to start getting good clients and increasing my turnover very quickly, through some shrewd partnerships and advertising choices. However, I was extremely inexperienced, and took on way more work than I could manage, sustainably.

I got my new business to the point where it was profitable, and had paid back the initial capital expenditure on training, van, tools etc. but I was burnt out again. I had lived and breathed my business, and only because it was hard physical work, had it lasted slightly longer before my brain was finally frazzled.

Depression reared its ugly head again in 2010, and I realised that I had made a mistake in cutting away from the easy money that a career in IT had to offer. I failed to recognise the importance of a stable working environment though: restricting your hours to 40 or 50 a week, giving yourself weekends off, having the occasional holiday, working with other people who share some of the responsibility and workload… those things are important.

My hypomania started to get a bit more extreme. After reading an enormous pile of books on Particle Physics and Quantum Mechanics and other theories & models of theoretical Physics, I started to read huge amounts of academic papers from Cornell University’s online library.

Some of the academic papers that I read were extremely interesting to me, and I emailed the authors to ask them questions. To my surprise, most of them responded, and we started to correspond via email.

Spurred on by this, I started to believe I could author my own paper and get it published, and I developed a hare-brained idea of my own, around a thought experiment that was particularly hard to test in the real world. I eagerly sent my paper off to several academic journals. A couple of the journals even responded… unsurprisingly to say that they wouldn’t publish something that hadn’t been peer reviewed.

Obviously, it’s on the border of a delusion of grandeur to imagine that you might have anything of merit to contribute to a field, after only a few months reading the literature and educating yourself about the deepest mysteries in the Universe.

These delusions are something that I’ve always been wary of, and I try to be self-aware, but it’s fairly clear that there was a progression in the difficulties that I was having with Bipolar Disorder, and the regulation of my moods. I wasn’t imagining that I was the next Einstein, but I was having to say to myself “be careful, you’re not the next Einstein” and give myself regular reality checks.

I still cringe when I think about some of the emails I sent to very important academics, and how, even though they indulged me, it must have been with slight tongue-in-cheek, to respond to a complete layman such as myself.

After yet more time lost in a pit of despair and hopelessness, where I did very little except for mow the lawn and feed the cat, the iPhone App gold rush cropped up again. This time I decided to sell picks & shovels.

Depressions are very similar to one another. You sleep a lot, you don’t do much, everything looks shitty and you hate yourself. My depressions were clearly getting worse, as I started to think about suicide more and more. I started to accumulate more and more paraphernalia with which I could kill myself: inert gas, razor blades, Barbiturates, Cyanide etc. etc.

Periods of hypomania are easier to tell apart, because I can tell you what I was obsessed about in each one: iPhone Apps, boat, megashed, electrical business, physics and then my picks and shovels for the iPhone App gold rush.

I formed another company – Roam Solutions – which was later to become MePublish.com and Hubflow.com. I talked a couple of friends into joining me on my mad escapade, and generally threw everything and the kitchen sink at this particular endeavour.

My new company put on an exhibition stand at London Olympia, Learning Technologies conference, only months after I first conceived the idea for the service we sold. Delivering eLearning was something I knew nothing about, but that wasn’t going to stop me.

By the time the winter was over, I had managed to get the company involved with the TechStars network, and we relocated to Cambridge in order to do a 13-week technology accelerator program, where we would be introduced to billions of dollars worth of investors.

13 weeks is just longer than the sweet spot for one of my hypomanic periods, and I was really struggling by the end of the program. Suicidal thoughts were quite intrusive, and I was drinking like a fish. I hated myself, and what felt like lies that I was telling to potential investors. It was a struggle to keep going to the end of the program.

I feel bad that I let 2 co-founders and 11 investors down really badly, when I imploded in September 2011. I never got back on my feet, because of relationship problems and a number of things that eventually led to very bad life choices and a whole world of pain, destruction, devastation.

I don’t feel too bad because I’m clearly unwell and because nobody risks their money and a stable job unless they want to try and get rich quick. I genuinely didn’t pull the wool over anybody’s eyes. There was a big opportunity there, and I’m only partly to blame for everything going tits up. The biggest part, perhaps, but still only partly.

Writing code for iPhone, iPad, Android and BlackBerry, as well as the back-end (serverside code in PHP, Linux administration, database etc. etc.) plus rebranding, raising money and everything that goes with a startup is a hell of a lot to fit into 13 weeks. A crash was inevitable for me: I was too close to the detail, too close to the coal face, too close to the customers, too honest with the potential investors.

At the end of the day, I got my arse handed to me. I was completely spent. I’ve never experienced such hard work and stress and pressure in my life, although there was a lot of fun too, and I had an incredible time meeting some of the most inspiring people I have ever had the good fortune to cross paths with.

The main lesson I learnt though, was that I really can’t ignore my mental health. Even if I avoid clinical labels, like Bipolar Disorder, I definitely have a predisposition to mood instability if I make bad choices. I can’t ignore the number of times I’ve swung between extreme depression and extreme ‘highs’ which are characterised by massive productivity, and increasingly delusional hopes of being rich and famous.

Things are obviously still very ‘up and down‘ for me, but there is seemingly no end to things that spur on my hypomania. Most recently I ended up working on HSBC‘s number one project, and being made responsible for a really critical part of that project, by the CIO at the project townhall, in front of the entire team. The facts as they are presented to me, do little to discourage a kind of boom & bust lifestyle.

I guess I could reshape my life around working for 3 to 6 months, and then taking 3 to 6 months as a break to recover from my over-exertion, but I don’t think it’s very healthy. I’m now faced with the challenge of how to manage my own mental health in a more sustainable way, before I really run out of luck and tread on some toes that get me in super big trouble.

Wish me luck. I’m going to need it.

I really didn’t sleep very much while I was at HSBC. Naturally, this started to be detrimental to my mental health. Eventually, I was very sick indeed, and it was hard to continue… I had to go into hospital

Tags: #bipolar #depression #suicide #mentalhealth #career #banking

11 April 2016
Brain Stew

This is a story about self destruction…

This little machine has allowed me to rise to a level of mastery of a profession where I could command in excess of £200k (gross) per annum for my skills, walk out of one job and into another, and generally enjoy a period where I didn’t have to know my bank balance or save up for anything. This statement is vulgar, I hope people don’t think boastful, but it’s certainly distasteful.

I now live in an apartment with panoramic views of the Thames. I can see Heron Tower, The Gherkin, Tower 42, The Cheese-grater, The Mobile Phone, Tower Bridge, The Shard, The London Eye and a number of iconic London skyline icons.

This would be sustainable, but since the age of 19 or so, I figured out that it doesn’t matter if it’s torpedos fired from a submarine, or Credit Default Swaps, traded in the front office of an investment bank… it’s all the same fucking 1’s and 0’s.

Some pudgy, piggy-eyed, adenoidal little pricks have carved themselves out little fiefdoms where they have constructed such impenetrable balls of mud, that no sane programmer would venture in. They take pleasure in having made themselves key-person dependencies.

I like to think I’m ethical, and it’s only because I was being whipped so hard by my bossess to deliver DTCC that I didn’t think of the ethical impact of Credit Default Swaps and Collateralised Debt Obligations on the world economy. JPMorgan processed 70% of that toxic waste, and that equates to $1.16qn of money that was circulated, while the real collateralised securities and precious metals were moved into the accounts of those who knew what was really going on.

I wrote the system that confirmed those trades. I saw the data flow through. I saw live production data, and I couldn’t believe the notional values that were being traded.

I feel like I could have stopped $1.6m of ‘fake’ money, for every man woman and child on the planet, from being pumped into an economy that was only ever supposed to last as long as the ‘smart’ money moved their assets. There just isn’t enough precious metal, fiat currency, property and securities to collateralise all the derivatives that have been printed. The paper is worthless.

I can’t see how it can be propped up. As it starts to crumble, I’m going to feel more & more responsible.

I feel like ground zero.

I don’t want to wake up tomorrow.

Tags: #banking #suicide #career #london

8 March 2016
Advent Calendar (Day One)

This is a story about the doors of perception…

So I radically altered my appearance for over a month. I went from being the suit wearing IT Consultant working on the number one project in the biggest bank in Europe (HSBC) to being the crazy suicidal mental patient guy with a moustache and a tattoo. That how I roll [on the floor laughing].

Self sabotage and self mutilation are strange things to do, but then so is suicide. They are symptoms of a very sick society. It is no measure of health to be well adjusted to a broken system. There can be no pride or honour in being able to turn a blind eye to wrongdoing.

I knew what I was doing. I could have held back. I could have buried my feelings and kept my mouth shut. I could have bitten my tongue. However, things have been eating away inside of me, like acid dissolving the container it’s kept in. It was time to vent some toxic gas.

This is all a rather extreme form of bridge burning. I’m really pretty sickened by what global banking and corporate culture is doing to the world and I want to do the right thing. I want to whistleblow on all the life-wrecking and economy destroying corrupt bullshit that I have had to endure.

It’s not going to do me any favours, it’s not going to make me any friends, it’s not going to make me rich, famous or popular, but it has to be done. Somebody has to stand up, be counted, and do the damn right thing. It’s going to hurt me, a lot.

Is this some personal grievance? Well I wouldn’t be so passionate if it wasn’t personal, but it’s not personal in the way that you probably assume that it is. I was a Griffin Saver with Midland Bank since I was a little boy, and I’ve always loved HSBC and I was so proud to start work for them, age 21. Later, in 2003, I was amongst the first 8,000 people to work in the prestigious 8 Canada Square… headquarters of the HSBC Group Plc, which employs 245,000 people worldwide.

If you look after me, I will look after you. Actually I tend to do things the other way around. I will look after you on the assumption that once I have proven to you – beyond all reasonable doubt – that I am adding value to your organisation, you will look after me, to some extent. Sadly, the way the system works is to try and get blood out of the proverbial stone.

Yes, the employees of global banks are driven very hard indeed, but they share so little of the reward, in terms of the wealth that they generate for their masters. The customers of global banking pay huge sums of money for financial services, but it’s them who still toil all hours to service their debts, rather than being enriched by the products they are sold.

Consumers are being sold a lie. They are being told that products and services will make them happier, richer, more attractive, more successful. The truth is that the only people who will get rich are those who own and operate the pyramid schemes. There simply aren’t enough pay rises and promotions for you to be able to reach the rungs on the ladder where you will be able to see your kids and sleep at night… you’re going to be stuck on that treadmill for the rest of your life, sorry.

It’s not market economics that is broken. The markets really are efficient. However, they are not free from political influence. They are also not immune from manipulation by exceedingly wealthy individuals and institutions. Here’s how it works…

Imagine if I were to buy all the insulin producing factories. Building a factory takes quite a long time. During the time that I own and operate a monopoly on insulin production, and the time that a competitor could enter the market that I have monopolised, the demand for insulin is going to remain constant, because diabetics don’t want to die. So, if I am in control of the supply, and I know that demand is constant, then I can demand practically whatever price I want. That’s market economics.

We see artificial scarcity created through cartels in many industries. Diamonds are only worth as much as they are on the markets because the De Beers family has such a large monopoly that they can control the amount of diamonds supplied to the market. Oil is only worth as much as it is because the Organization of the Petroleum Exporting Countries (OPEC) can artificially control supply in order to maintain high prices. They are quite open about their monopoly, their cartel.

So you can’t eat diamonds or money, but we do need energy. Money is the way that energy is swapped for goods and services, like food. It’s easier to grow more food or make more goods, using energy that has been generated from a power station, rather than by manpower. Welcome to the industrial revolution.

Technology has made vast efficiency gains in terms of being able to move money around to get it to where it can work most effectively, but it doesn’t mean that the system can’t be gamed. In fact the whole financial system is a giant game. We need to remember that it’s simply a way of keeping score and deciding who – as a person – is somehow ‘worth’ more than another, using some arbitrary measure.

That’s right isn’t it? The people in the West are ‘worth’ a lot more than the people in the developing world. Because they have more zeros on the end of a computer system that is keeping score, they get to have all the food, shelter, medicine, education, transport etc. and everybody else is a worthless slave. The human lives in the developing world are clearly not worth anything because their electronic bank balance is as good as zero, if not negative.

You can quite clearly see from the image above, who the superior being is. Yes, it’s the one with the biggest bank balance in the global casino. They’re the winner. Gold medal for them, hurrah!

Actually, huge numbers of people in the developing world have been saddled with debt that they didn’t even agree to. Their nation’s leaders signed away their natural resources, signed huge loan agreements to pay for some multinational to come and bleed the wealth, and then mortgaged every man, woman and child to pay for it all. That’s really not acceptable.

When the people inside that country get a bit p1ssed off that their leaders have sold them down the river, then the developed nations can sell a bunch of guns, tanks, artillery and warplanes to keep their people in check. It’s the gift that keeps on giving.

Oh, and when the people have really had enough, then it’s time to bomb all the roads, bridges, schools, hospitals, power stations, sewerage plants, factories etc. etc. so that they have to have the developed nations come and rebuild it all again using yet more lovely lovely loans.

Yes, economic slavery is the New World Order. Yes, you might not see people in physical chains toiling in the plantations in your actual country, but somebody still has to grow your sugar, wheat, cotton, coffee etc. etc. Did you grow it yourself? Did you see where it was grown? Do you know anything about the life of the people who grew your food?

We’re all rather busy in our wanky make-work jobs, feeling all high powered in a suit in a swanky glass & steel office, pressing buttons in the lift and doing the photocopying… great, but how many meals does it put on the table? Has it stopped war and human suffering? Has it stopped the spread of preventable disease? Has it saved the life of sick people?

I’m fed up of being shouted down by people with vested interests. I just wanted to do the right thing at HSBC and I got muscled out for escalating my concerns in line with my moral duty and legal responsibility to the shareholders and customers. I actually wanted to try and save jobs too.

So this is a call to action that is not some viral marketing, psychologically A-B tested, clickbait horseshit spam scam. This is not some pump and dump. This is not me grinding an axe because of a personal grievance. This is about the big picture and a sickness on all our souls, if you are part of the perpetration of the economic enslavement of the developing world.

In actual fact, the wrongdoing extends to your own doorstep. Somebody you know is in distress because of consumer lending. Their life and livelihood is under threat because they were told to borrow, borrow, borrow! Buy now, pay later! 12 months interest free credit! Low rates! Consume consume consume!

The whole ponzi scheme is set up to get people paid out by suckering other people in. Sure, my life looks fantastic with my riverside apartment, and of course I’ve had cars and boats and luxury holidays and hot tubs and flat screen TVs and Macbooks and iPhones and gadgets and technology galore. It doesn’t make you happy, and eventually you realise the human cost. You wake up and smell the coffee.

So, as Nicholas “Mr Ethical” Wilson (@nw_nicholas) says:

I have been radicalised by HSBC/Tory fraud & corruption

Yup, I woke up one day and realised I couldn’t carry on being part of something I knew was wrong, from the depths of my experience in my 19 year career as an IT consultant to global banks. It made me very sick to be living with such internal conflict. It made me upset to see talented professionals being completely ignored.

You can’t buy me. You can pay for my opinion, but you don’t get to choose what my opinion is. I will give you my opinion based on my experience and an objective analysis of all the evidence that I can gather. If you don’t like that opinion, it’s not up for debate, unless you are qualified to contest what I’m saying.

So my approach is very unorthodox, but the orthodoxy led us to the brink of economic armageddon, so why should I conduct myself in a manner which is clearly misconduct? Only an idiot expects to see different results each time they do the same thing. The only reason to play by the old rules is to protect the old system, but that system has failed.

Thankfully, there are all these motivational posters around HSBC telling you what to do if your manager isn’t listening and the number one project is going down the shitter. If you’re a consultant, you’re specifically paid for your expert opinion… and very highly paid too. Lots and lots of shareholder money is being spent on the number one project in the biggest bank in Europe (HSBC) unsurprisingly.

So, what happens if you do speak up? Well, I’m not giving out any prizes for correct guesses.

But maybe my contribution just wasn’t valued? Maybe I wasn’t pulling my weight in the team? Maybe I have too much of a high opinion of my expertise?

The email from the HSBC CIO in charge of the number one project in the biggest bank in Europe reads as follows:

“I cannot thank you enough for the work you have put into this and for your commitment”

So, I’m a little bit confused. The Programme Director also told me, in front of loads of people, that he was really happy with my work… shortly before I was sacked. Curious, oh so very curious.

Anyway, I’ve got no mandate, no authority to communicate these things, so I’m just going to wait and see what happens. Let’s see what happens with the Deferred Prosecution Agreement (DPA) and whether the US Department of Justice is satisfied with the naughty banks who have managed to allegedly commit crimes but not been prosecuted for them.

Good luck, I say to them. Like I say, I’ve been a Griffin Saver with Midland Bank/HSBC since I was a little boy. I’m very loyal.

Merry Christmas!

Tags: #banking #career #london #it #capitalism #politics #hsbc

1 December 2015
Reputational Damage

This is a story about loyalty…

Midland Bank was taken over by HSBC (Hong Kong & Shanghai Banking Corporation) in 1992 and in June this year, HSBC announced that they were going to bury the Midland brand. I think that’s a real shame.

I have family connections with both Sheffield, UK and Hong Kong, SAR, China. I have a very personal connection with The Bank as it’s affectionately known in Hong Kong. I even learnt to speak Chinese, with the intention of furthering my career with HSBC, in the Far East.

HSBC had the ‘prime‘ years of my life, and they taught me a hell of a lot. Not just how to drink like a fish, and prop yourself up with vast quantities of strong coffee. It might not have come across with a few of my previous blog posts, but I really do love Midland Bank and HSBC.

That’s a snippet of an email I personally got from the CIO who is in charge of the #1 project in the biggest bank in Europe, which did $6bn of profit in the last quarter… I’m talking about HSBC of course.

So, I rather burnt myself out trying to get the #1 project back on track. Of course, heroics are never good. Projects are a team effort, and my actions were just as one tiny member of a very talented and dedicated team.

Did I make a difference? Did I make a noteworthy contribution? Emails like the one above remind me that I was pulling my weight in a big team, helping to get the #1 project over the line in time for the timetable imposed by the Department of Justice, to avoid the Deferred Prosecution Agreement (DPA) which could mean a fine of $5bn, or worse.

So, I’m sure if the project was going wrong, was running late or there were any concerns, that things would be escalated. It’s really important that public companies are very careful to tell their shareholders how things are going, and be honest. Those shareholders own that company, and they need the facts in order to make their decisions about how their company should be run.

If you’re a HSBC shareholder, you do attend the AGM don’t you? You do ask the board some really hard, cutting questions, and demand that your company is run to the very highest standards, don’t you? You do demand that your C-suite executives – the CEO etc – are all doing their job effectively and are keeping you, the owner (limited by shares) informed of everything that you need to know.

It’s actually a legal requirement, and part of the role of the Financial Conduct Authority (FCA) to keep public companies honest. If a group of people knew that there was a problem in a company before the public did, they would be able to sell their shares before that news became general knowledge, and as such they would be able to profit at the public’s expense.

Insider dealing is a serious crime, as is knowingly withholding information from shareholders, when issues are being escalated.

For me, a clear desk is not a clear conscience. If I know that some wrongdoing is being perpetrated, the fact that it is a well guarded secret does not make it OK, for me. If you’ve taken the public’s money, when you floated a company on the stock exchange, then you have duties to those shareholders. It’s an issue of morality.

Very few white-collar criminals go to jail and I’m really not OK with that. Many people’s life savings and pensions have been obliterated by white-collar criminals, who think that the law doesn’t apply to them.

Cases brought against companies are incredibly hard to fight. Big companies have big legal teams, and the cases are so hard to prosecute. Plus white-collar criminals are extremely adept at covering their arses. They will make sure they have a fabricated paper-trail that supposedly exonerates them from any personal responsibility. They will make sure that the water is sufficiently muddy that they are really hard to prosecute.

Technology is helping. We can now mine millions of emails and use data visualisation to understand the connection between keywords and people and start to build up a picture of what really went on during the run-up to the eventual downfall of an organisation.

At HSBC on the #1 project in the bank, we started to use a hashtag in our email subject line. That hashtag was #RED. Yes, I saw a lot of that hashtag during my time working on the #1 project in the biggest bank in Europe. I didn’t see a lot of #AMBER, and I’m not sure if I saw any #GREEN at all, but that’s just from memory. I’m sure hoping that somebody tells the shareholders if there’s a problem with the #1 project.

It’s not my job to communicate to the shareholders. It’s somebody else’s. The guy in charge of communication left shortly before me. Not sure who’s in charge now. I wouldn’t really want that job. Jeeps! That’d be a lot of pressure to do the right thing.

I like doing the right thing though. It means I can sleep at night, when there are 245,000 jobs, 220,000 shareholders and a bank that’s too big to fail on the line.

Do the right thing.

That is all.

I lied on my timesheets. I was actually working every hour that I was awake. I didn’t sleep very much, but not because of a guilty conscience, but because of the importance of the project (September 2015)

Tags: #banking #career #hsbc

25 November 2015
Hipster Flu

This is a story about chronic fatigue…

Smart bosses have figured out that happy employees are more productive. If you don’t have the right culture in your organisation, you will make people very sick. You will be burning people out in order to achieve your unrealistic targets.

Forward thinking organisations are letting people have dogs at work. They are promoting more flexible working arrangements. They are seeing their employees as people and not just numbers in a spreadsheet.

I wrote an IT Roadmap for a company which had just been spun off by its parent company, and sold. I took one look around the little company, and I knew immediately that they had got the culture spot on. I wrote my roadmap with this culture as the guiding principle.

I urged the new CEO of the spin-off company to preserve the culture, in order to maintain the high productivity and excellent morale of the staff. I tried my best to pursuade him of the benefits of investing in technology that would support the staff, that would preserve the brilliant working environment. He ignored my advice.

I quit that job, because my opinion wasn’t valued. You can’t pay me enough to rubberstamp the wrong decisions. If you’re looking for a “yes” man, a sycophant, then you’ve got the wrong guy.

So, after I left, the culture was destroyed, money was burnt on stupid vanity projects, all the good people left. The profits dropped 90% and naturally, the CEO was fired. I take no pride, only sadness, in saying “I told you so“.

But one cool thing happened. At a conference a little over a year later, the CEO of the parent company presented my ideas. They had implemented them. Ideas are worthless, and the implementation must have been very hard – although I had done a proof of concept with my team – so I can take no credit. But it was so nice to be vindicated that I had to pinch myself to see if I was dreaming.

I’ve been bumping along like this for quite a few years now. The problem is, that I’m exhausted. I’ve got enough energy to do the job, but not enough energy to endure the idiots. I tend to get the important stuff done, and then I have to bow out and allow the sacking of the egotistical dead wood to happen.

Fundamentally, I burnt out in 2008, working on JPMorgan‘s #1 project. Instead of going off work sick, I decided that I needed to change jobs and as soon as I did the wall of exhaustion that I had been holding back hit me like a steamroller.

I was so flattened by it, that my doctors thought I might have AIDS. We tried every test under the sun, but fundamentally, I now believe that I was simply overworked. I had worked hard and played hard for far too long. My body & brain just couldn’t cope anymore.

I was a bit of ‘swan‘… looked very serene and calm on the surface, but my legs were going like crazy beneath the surface of the water. During some ‘time out’ I remember playing golf, trying to putt with my phone jammed to my ear while I attempted to resolve some issue a team member was having.

I am so passionate about my work that I tend to dream about it. I even have ‘eureka‘ moments sometimes and wake up and start writing code or an email. There is no switching off when I’m in the ‘on‘ position.

My commute to the office (September 2007)

It’s not very healthy, but my parents, school, partners, lazy friends, bosses, society and the surrounding culture has driven me to this unsustainable level. People say ‘take it easy, slow down‘ but as soon as I do back off the gas, they soon start complaining. People get used to a certain level of contribution. They start taking you for granted.

What am I living for, if it’s not for work? Nothing is ever good enough for my parents. I haven’t had a nice caring kind girlfriend for far too long. I haven’t got any kids. What’s the point of life if it’s not to make some kind of epic contribution?

It’s not about heroics, and I really don’t expect anybody to get the violins out and say “ooh, poor you“. It’s literally that work fills an otherwise empty void in my existence. Without work to dedicate myself to, do I really exist? My day to experiences would suggest not.

Yes, I know that work is a dangerous addiction that is damaging my health, but it’s the only place that I ever hear “well done” or “thank you“. My parents and ex-girlfriend/ex-wife would never sink so low as to actually show me any respect. It’s expensive, apparently, to show somebody some appreciation.

During seemingly interminable periods of fatigue, depression, you can obviously reflect and see that you are repeating the same vicious cycle. It doesn’t mean that you can beat it though. Nobody stops the world so that you can get off the rollercoaster.

So, everybody will be very relieved when I’m ‘recovered‘ from a crash, but the fact of the matter is that recovery actually only starts when the exhaustion and depression have passed. All that time in bed is not recovery… it’s staying alive. It’s surviving, not thriving.

Yes, I’m surviving, but I’m not thriving. Nobody will let me get that far. When I have an opportunity to thrive, everybody says “Oh, you’re fine now. We don’t need to help you, we can go back to taking from you” not that I really receive help anyway.

My friend Klaus brought me a bag of stuff in hospital. That was one of the kindest things that anybody has ever done for me in a couple of years. Does that mean I owe him a favour? Well, he was already living rent free on my couch so I guess we can call it quits!

I do keep a very careful eye on my karma balance. I have paid it forward big time, and I always want to run a net karma surplus. If you do your accounting with some surpluses, with contingency, then you don’t have to sweat the small stuff.

There are some people who feel hard done by at my hands. My friend John who thought it was OK to use me for free rent, spending money and as a personal life coach to help him over his gambling addiction and general idleness, for example. When life became unmanageable, I chucked him off my back to save myself. Am I supposed to be sorry about that? Why was I carrying him in the first place?

I don’t really understand why I attract klingons. I guess it’s because I’m a kind and generous person who gives off an aura of success and I make what I do look quite easy, so other people think there’s not much effort required to achieve the same things. That’s the thing about being good at what you do. You make it look easy.

I certainly have suffered from the “I could do your job” mistake. When CxOs and managers have been fired because they didn’t listen to my expert advice, I certainly wouldn’t want to take their place. I’m not trying to steal anybody’s job. When I was younger, for sure I thought I could do my manager’s job, and do it better. The fact that I have proved it, does not actually mean anything… I hated doing those managerial jobs!

Yes, management really is not for me. Somebody else can have the pressure and stress and responsibility. I think it’s a vocation, not a job title. I think it’s a demotion not a promotion. Those who can, do. Those who can’t, must depend on others to do for them, and must be more organised themselves to compensate for the fact that they can’t both be both organised and productive.

So, I’m exhausted by having to design, build, lead, argue with idiots who don’t know what they’re talking about and make dead wood losers look good.

I’m laid low with depression, fatigue.

Sorry about that, klingons.

That is all.

Frankie loves being tucked up warm in bed. We all do during winter. Fatigue and depression are much more serious. I’m suicidal and I can barely get out of bed (November 2007)

Tags: #career #banking #depression #suicide #mentalhealth #frankie

23 November 2015
Occupy Canary Wharf

This is a story about being an activist…

The streets of London are home to a huge population of runaways, refugees and other homeless people who have been marginalised by society. We tend to ignore them and their struggles. There are so many, we can’t help them all, right?

I’m not OK with people freezing to death on the streets, right under the noses of the wealthy. I’m not OK with just walking past human suffering on a daily basis, on the commute to the office. There are people huddling in shop doorways for a little shelter from the elements. It’s brutal out there, and things are getting worse.

There are no words to describe just how cold it is, sleeping rough. I have slept on a glacier. Millions of tonnes of creaking ice. That’s cold, even with a decent sleeping bag, sleeping mat, and a tent. Sleeping out on the streets is just as tough – most homeless people don’t have equipment that cost hundreds of pounds. The most vulnerable people in our society don’t even have enough money for food, clothes and other basics that they depend upon.

Normally charities will expect you to reach for your wallet. Normally charities will expect you to donate money. The whole fundraise & spend model of charity has failed, sadly. People and corporations are just not giving enough. People and corporations are treating charitable giving as a way to absolve themselves of personal responsibility for the wrongdoing in a society that they belong to.

Let’s start with some empathy, instead.

If you haven’t roughed it ever in your life, or it’s been a very long time since you were truly soaked to the skin, freezing cold, shivering, and with chattering teeth… then you have lost touch with what some of your fellow human beings are going through. There are people freezing to death, here, in a supposedly civilised advanced Western econonmy. I’m not OK with that.

Please, try and make it to West India Quay with some warm clothes and a good sleeping bag, and sleep out with us. 7pm to 7am on Thursday 12th November 2015. It’s incredible that this can take place when Canary Wharf Estate don’t really want a whole tent army right under the noses of rich bankers!

The Centrepoint charity has worked incredibly hard to make this possible, and only by agreeing to do things in the most unbelievably controlled way. There is private security for the event, as well as Canary Wharf’s own private security force, making sure that the wrong sort of people are not protesting about the abhorrent situation of young people being left freezing to death on the streets of London.

Sadly, in the 3 years that this event has been happening in Canary Wharf, my ex-employer JPMorgan Chase & Co has donated a paltry £70,000. That’s a disgustingly small amount of money considering how this bank has wrecked lives. One of my colleagues was driven to #suicide by the insanity of what Global Banking is doing to the world.

I absolutely do not want to see this event lose credibility, so please sign up for an official ticket and donate whatever you can afford: https://www.centrepoint.org.uk/news-events/events/sleep-out/west-india-quay

Whatever happens, please please please tell everyone you know about the plight of the homeless and support this event.

7pm to 7am, Thursday 12th November, 2015.

So, last week, I was working for HSBC on their number one project. The biggest bank in Europe at the moment is HSBC. They just declared quarterly profits have risen 33% to $6bn. That’s a substantial amount of cash that they have extracted from the world’s pockets!

So, how much do HSBC care about the homeless? Well they employed a homeless person (me) but their due diligence should have prevented me from getting that job and working my way out of poverty and debt. I should have been trapped into living on the streets.

We can’t have the wrong sort of people getting ahead in life, can we? It’s all about the rich getting richer, at the expense of the destruction of society by people who already have more than they need.

I made sure I got this email from the HSBC Group so that nobody is going to get sued! Hurrah!

I’ve got a bunch of other emails that prove that Corporate and Social Responsibility is a joke. These companies pay a pittance in order to try and cover up wrongdoing on an unimaginable scale. The institutional corruption is disgusting.

I’m being warned by journalist friends to flee for my life for whistleblowing. You’ll be able to find me… sleeping rough somewhere in London. If the Safer Streets teams can’t find people, then good luck to the banks with their teams of lawyers out to gag me!

Come and sleep rough with us!

That is all.

Tags: #homeless #frankie #london #banking #capitalism #notanonymous

10 November 2015
Eyes Passim

This is a story about turning a blind eye…

I have a moral dilemma. Do I whistle blow or go public with the things I know, tomorrow, when I lose my contract at HSBC.

How do I know I’m going to lose my contract? Well, I’ve rattled the cage pretty hard. The problem is that I care more about the shareholders, customers and employees, plus the stability of the global financial system, than I do about some idiots playing silly political games.

Fundamentally, I do believe that markets are efficient if they are free from political influence. Also, markets only really work if there is free trade and a single currency. Trade tarriffs, sanctions and so-called ‘hard‘ currencies are the new way that wars are waged and nations enslaved, and I’m not OK with that.

It’s pretty clear that a crash is inevitable now, but I don’t want to see the baby thrown out with the bath water. The laws, financial instruments, systems and infrastructure that allow capital to flow, should not be swept away.

Anti-capitalism is wrong. It’s the perversion of capitalism by ‘rigging the system‘ like Bretton Woods, that is wrong. It’s the insanity of having financial instruments that are not underwritten with collatteral, like Credit Default Swaps, that is wrong. It’s the institutional investors who buy every company of a certain market cap, thus creating a market for junk stock, provided its valuation can be pumped up unrealistically with ridiculous Profit:Equity (P:E) ratios (a.k.a Price:Earnings).

If we expel the money lenders from their temples, we only set back our civilisation. There will be chaos and greater inequality as a result. Just look at how the oligarchs monopolised everything after the fall of the USSR.

I’m really cut up right now by the strong desire to do the right thing, and I know that it will probably hurt me most of all. However, I’m not out to hurt anybody. I just couldn’t live with myself knowing I stood by and didn’t do anything when evil deeds are afoot.

Even if they’re not totally evil deeds. People are still sleepwalking right into another major crisis. This one doesn’t even seem to have an elegant central system designed to help things unwind with at least a little preplanning. It’s all about that lack of joined-up-thinking that will cause an unpredictable domino-effect.

So, wish me luck in the morning.

I wish I was a cat and I didn’t know any better. Ignorance is bliss (October 2014)

Tags: #banking #career #london #frankie #politics #capitalism #hsbc

5 November 2015
Due Diligence

This is a story about social engineering…

The first rule of bus stop club is: you don’t talk about bus stop club. The second rule of bus stop club is: you don’t talk about bus stop club. The third rule of bus stop club is: don’t jump off the bus stop… it’s quite high.

I work on the Customer Due Diligence project for HSBC. We are expected to do due diligence on 48 million customers in 61 countries worldwide. HSBC is not very good at due diligence, mainly because they won’t listen to the experts.

When I was employed – as a disguised employee – by HSBC to work on the project, I was no fixed abode (homeless) and I was at the limit of my overdraft and credit cards. I had no income. I guess that technically made me bankrupt… except that it took me 4 days to get the job. That’s a record… it normally takes me less.

When you are honest, hard working, dedicated, an expert, passionate and have integrity, you don’t tend to have a lot of problems finding work. My main problem is finding anything that I’m interested in doing. Making the lives of 48 million customers a little better, and trying to save 245,000 jobs and create 13,000 new jobs is interesting to me. That’s why I got up and went to the interview with HSBC.

So, this sounds super arrogant. Yes, sorry. There’s absolutely no doubt that I’m only a very small cog in a very big machine. However, try buying a Rolex watch and removing one of the little cogs and see if it still works.

Teamwork is what gets stuff done, but every member of the team needs to be valued equally. Equality is important. Valuing people is important. Everything is awesome when we are part of a team. Everything is better when we stick together.

Here’s me going to my interview… just opposite the bus stop where me and my other homeless friends hung out. I actually wasn’t going to go… there were far more interesting projects at Meganews Corporation, Mega Credit Card, Mega TV Station, Mega Investment Bank(s), Mega Petroleum Company… London is not short of roles for software engineers. The agent convinced me to get up, have a shower, get dressed and go to the damn interview. I was glad that I did.

The way the whole system is set up with economic incentives, meant that rules were probably bent in terms of background checks. Nobody cared that my credit score was probably terrible – living on your credit card because society has abandoned you, is not great for your computer credit score. Nobody cared that I was no fixed abode (homeless) because the whole thing was arranged via email and mobile phone.

I guess this was an experiment in social mobility. I can tell you where all the ‘gates‘ are that will prevent the ‘wrong sort‘ of people from getting ahead. I did nothing illegal or fraudulent. I was just trying to get myself off the streets. I was just trying to move from surviving to thriving. I was barely surviving. I had countless hospital admissions in 2014 and 2015. Living on the streets and in hostels is hard.

Imagine being in a 14-bed dormitory with your one suit. Imagine how many people there are snoring in that room. Imagine how many people want to use the one bathroom in the morning. Imagine people knocking your ironed shirt off the bunk bed where it was hanging up, onto the dirty floor. Just put it in the washing machine, right? Oh… you share that washing machine with 120 people? Oh dear.

I used to go and sleep in Royal Kensington Park Gardens or on Hampstead Heath just to get some damn peaceful sleep. The sound of snoring and smell of sweaty bodies just gets too much to bear at times. Yes, sleeping under the stars and waking up to beautiful views like the one above is kinda sh1ts and giggles… when the weather permits.

Yes, you have to be very in tune with nature, with the weather and the seasons, if you want to survive. You also need some really high quality gear. The only reason why I was able to cope through a pretty rough patch is that I’m well trained and disciplined. I have the Dorset Expeditionary Society to thank for that.

I can live small and neat. Take only photographs, leave only footprints. Park rangers used to leave me alone because I would be camping out with nothing but respect for my environment and mindful of the fact that I’m just one of millions of Londoners using the incredible green spaces.

Fundamentally, we are animals. We are animals that need to sleep and eat. We need to be warm and feel comforted by the presence of each other… we are social animals after all. We were not supposed to be isolated in a concrete jungle, surrounded by glass and steel and right-angles that would never appear in a natural setting.

I am also seasonally affected. I think it’s bad enough to say that it qualifies as Seasonal Affective Disorder (SAD). When the clocks go back and the days get shorter, I feel the need to hibernate. I get tired & depressed. Especially if my employer is not particularly supportive about me taking time out to top up the sunshine that I need to live. I’m literally solar powered… we all are.

Frankie the cat in his natural habitat. He loved his garden. So did I (June 2007)

Tags: #homeless #frankie #banking #career #london #computing #mentalhealth #hsbc

3 November 2015
Stress Test

This is a story about reaching the limits…

We are about to enter a consumer debt crisis. Credit Crunch 2.0. How do I know this? Well, I don’t see any joined-up-thinking in retail banking, but I do see all the signs of a bubble about to burst.

In Germany, there is a central system that tracks what money is owed between every company. When you raise an invoice, you enter it in the system, and that way, you can see who owes who, and how much. You can do something called netting where all the balances are totalled up and you can then see exactly who’s in debt and who’s in credit.

The Germans have got that spot on. We need to know where the bad debt is, so we can contain toxic companies that are trading recklessly.

We don’t have anything similar for consumer debt.

The credit-scoring system is only useful when people are applying for more debt. When they get into a debt crisis, they only show up when they start defaulting on their loan repayments, get to the limit of their overdraft, can’t make their credit card minimum payments, default on their mortgage etc. etc.

I worked in Debt Management in 2012 and I listened to many phonecalls with ordinary individuals who didn’t do anything reckless, but got caught in a debt trap. They were encouraged by consumer lenders to take out more loans to cover the last loans, and then payday loans to cover the interest, and before you knew it BOOM they were as good as bankrupt.

Personally, I hadn’t been in debt since the age of 19 or so. This is unusual. I paid the deposit on my house. I paid for my wedding. I paid for my cars. I paid for our holidays… all with cash I had personally saved. The only way that was possible for me to do this was with way above-average earnings. This would have been impossible for anybody who was earning average wages.

I didn’t really know what it was like for an ordinary person, living on an ordinary wage, in an ordinary way.

There was a huge amount of interest in my Debt Management startup, when I tried to found it in 2013. People still email me about it today. People still remember. I only worked on it for a short amount of time before I was consumed by my own ordinary life event – a divorce – which tore my stable world apart.

I wanted to let out our house, so that we had steady rental income, and I was able to defer the stress of financially settling the divorce until I had re-established myself back in London. I begged my wife to allow me to secure my life before she rained fire and brimstone on my head. She undermined everything I tried to do to protect myself.

By the time 2014 started, I had managed to keep my finances ticking over with Bitcoin trading, but she had wrecked me. When the house sale money eventually came in, I was in no fit state to work. She had destroyed me. I could have sold the house in 6 weeks. She managed to drag it out to 6 months. It was fine for her, she was staying in Bournemouth and she had a job. I had to rebuild my entire life.

I had a huge cash pile, but I had been stress tested to the limit and beyond. I couldn’t work. I had to go to hospital. I was a wreck.

So, I ended up spiralling downwards. I didn’t borrow money, but you sure rip through it if you’re unwell, living in London and trying to support yourself getting better. Especially if you can’t afford to sit and wait for state support. It was a Catch 22. London is where friends and my work network are, but it’s certainly not easy to get any help from over-stretched boroughs. I had to turn to the private sector. That cost me a lot of cash.

So, I don’t really qualify for state support… that’s right. Why should I take something which I could afford to pay for privately? Only I couldn’t really afford it… I got well, but then I had no personal safety net any more.

I spent all my money keeping myself alive. I had yet to thrive.

Other people are very good at spending my money. My ex totally forgot that I paid for everything. She felt entitled. My ex flatmate, John, went overbudget on a flat that he didn’t pay a penny towards, and even took some of my furniture with him when he left. He felt entitled.

Why do people feel entitled to come and pick my pocket? I’ve got nothing left.

The banks have done very well out of me and I’ve defended them. I’ve not claimed my PPI that I’m entitled to. I’ve not frozen the interest on my loans and had unfair credit charges refunded to me. I could – in fact – just throw down my tools, and say sod this for a game of soldiers. I’m trying to prevent a domino-effect of systemic failure in the banking system, which would see bank runs and total carnage as the whole system deleverages in an extremely inelegant way.

I’m trying to help my masters avoid such a crisis, but I feel like ground zero at the moment.

I need to go to work tomorrow, but I can’t. I’m not well. I have been stress tested to the limit, and it’s broken me.

Poor Frankie lost his home, which was his castle. Look how relaxed and happy he was there in his lovely big bed (June 2008)

Tags: #divorce #mentalhealth #frankie #banking #career

1 November 2015