Thursday, 25 May 2017

Stupidity tax?

This is largely a rant as I am the one that sorts the unreconcilable banking stuff on our system - mostly passing it on to the accounts department. But ultimately I am the only one with access to the actual bank - the company is small enough that it makes sense to work that way. So when things appear on the daily statement that cannot be automatically processed, I have to decide what to do.

Some days, rarely, there is nothing to check, but most days there is something, and it is almost always customers being a tad annoying.

We mostly collect payment by Direct Debit, which "just works" - however we allow payment by bank transfer at no extra cost (though some packages are DD only). Basically, some people do not trust Direct Debit, and I know why. We don't trust it - or to be more accurate we don't trust all of our suppliers to actually do Direct Debit in accordance with the rules. It is a sad state of affairs as the rules are actually very clear and simple, and allow claw-back if not followed. When we do Direct Debit we make damn sure we are following the rules. However, if someone wants to pay us by bank transfer they can. I really do understand. We have many people doing that correctly and on time.

The only stipulation we have is that they complete the correct beneficiary reference on the payment. Well, of course, they also have to do the right sort code and account number, but the reference is for our benefit. It is to allow us to assign the payment correctly.

I had one today and it wound me up - hence the post. The customer pays quarterly and uses normal 2 day BACS transfers, and normally pays on time.

They never send the right reference, in fact they send "0". We do not get sender sort code and account from our bank, so we have to make some guess and generally I have to make the assignment of their payment manually. We charge £5 for doing so - it is manual work we should not have to do.

So is it unfair that we insist on the correct reference on the payment?

I really do not think so - at the end of the day that is why the reference exists, and there are so many organisations you have to pay that also insist on the correct reference: Gas, Electric, Water, Telephone, Rates, VAT, PAYE, and many more. Companies have to have a way to send payments with the right beneficiary reference else they have some serious problems paying the most basic things like VAT and Rates. We are no different.

The one today was extra special. It was a company that usually pays on time but never uses the right reference. As such we charge £5, but to make it easy we include that as a line item in the next bill and not a separate invoice. If we made it a separate invoice you have an infinite loop of paying that without the correct reference and again being invoiced. We saw that happen once when we made it a separate invoice - very sad - we did not have the heart to keep it going and so changed the system.

But occasionally this organisation also pays late and so gets a late payment invoice (typically £40) and then a separate invoice when they pay, for the interest. In this case it was for 3p. This is all according to statute for late payment of commercial debts. If you don't like it, pay on time, duh!

What was especially sad is they sent a BACS payment for the 3p. BACS works for 1p to £10million. They did not send £40.03 to cover both invoices, but just 3p, leaving the £40 overdue. They will end up with a £5 charge on the next invoice for paying 3p without a reference - a £5 charge for my time and the accounts team's time handling the payment with not reference (bargain). They probably pay bank charges to send the 3p that is a lot more than 3p!

It is sad that large company bureaucracy can end up like this - just paying - not even complaining - paying for their own failings time and time again.

At the end of the day I think the £5 charge is fair. I dislike having to faff around every day (even when on the North Sea) to do bank reconciliation, and then paying accounts staff as well. It costs money and is avoidable - just use the right reference. It is even the same every time (the A...A account number) but we are flexible and can handle the I...A invoice number if preferred. This is not a way for us to make extra money at the expense of companies that are inept, honest.

Even so, this is verging on a stupidity tax, and so it is scary...

Tesco multibuy

A bit of a rant on bad user interface!

Please excuse VVS :-)



P.S. it is worth pointing out the other gripe which I have not videoed...

At the check-out, you scan the check-out barcode. From a user interface point of view I think that at that point it should transfer control to the check-out in all cases. It knows you are at the check-out, and which one. You should be done with the handset then.

There are two issues.

1. It asks a question on the handset at that point - regarding items that did not scan. Why? Why not ask that on the check-out as the first question. This annoying split of a question on handset then next question on check-out is not helpful.

2. If you are picked for a random check, you are told on the handset. The check-out transfer does not happen. At this point there is NO ALERT to staff of an issue - the status Red/Amber/Green on check-out is not set to alert staff. Nothing tells staff you are stuck and you have to find someone or wait indefinitely for someone. If the transfer was to checkout at that point, and then it says "random check" that would allow the check-out status to alert staff. The re-scan could use the handset or the check-out reader, does not really matter.

I just feel that this is not thought out well at all.

Monday, 22 May 2017

Norwegian Jade, Day 9

Day 9 is disembarkation.

Contrary to the fiasco of boarding, disembarkation is much smoother. We had breakfast in the room, and then (tracking my wife driving to come and get us) we then told the bulter (Putu) we were ready to leave. He had the lift on a key (as he says, otherwise, it is 15 minute wait!), and he helped with luggage escorting us past the queue to leave. We were then escorted by the concierge (Omar) out to the gangplank where we jumped the whole queue. We then moved quite quickly through the port and out to pick up area as my wife pulled up - perfect timing and no need for short stay car park!

I did do a bit more video of the suite, and have made a video tour...




P.S. The fluid tripod head is on order now :-)

Norwegian Jade, Day 8

The last day, a sea day.

We did not do a lot, but we did get a bridge tour, which is reserved for very few people in the top suites if you are very lucky. We met the 2nd officer, who was not Commander Data. She did however tell us how they steer the ship, and so on. Very interesting.


The captain's young daughter was also given an Ignis.

I did a lot of video editing, and we did try to get a video to you tube - sadly ship's internet was not only slow but also a tad flaky so we scrapped that idea on the basis that a hard drive in a car from the port this morning was higher bandwidth.

This is the time-lapse I did of us leaving Geiranger. 8300 separate stills done at around 1 second intervals thanks to a small shell script on my laptop and wifi to camera. Done with mirror lock up to avoid wear on the mechanism.

Final cut pro did a nice job of compiling in to a video. All I lack at this point is a nice background sound track.


Sunday, 21 May 2017

Norwegian Jade, Day 7: Bergen

Bergen is a much larger city, second largest in Norway and once capital.

Yeh, I sound like a tour guide, which is all down to spending a while on one of the sight seeing busses around the town centre. Then we took the train to the top of one hill, some nice views.

We did play cards in the suite quite a lot. We do seem to finally be getting the hang of ship life. Nice dinner in the Italian restaurant (which captain was also in).

Saturday, 20 May 2017

Norwegian Jade, Day 6: Geiranger

Today was Geiranger, another village of a few hundred people at the end of a fjord.

This was a much more impressive fjord with sides so steep we had no ship's WiFi all day!

We took a sight seeing bus ride. One of the really impressive parts was the way the driver managed to get the bus round the corners! The road zig-zags up the mountain.


Leaving the fjord, we decided to try and create a proper time lapse. It has worked well and I'll add to this blog post when I am back. We set up a small shell script to take a picture every second, remembering to set the camera in mirror lock up to avoid wearing it out. It managed 8300 shots before the battery ran out, so over two hours. The end result, composed using final cut, is quite impressive.


Friday, 19 May 2017

Norwegian Jade, Day 5: Ålesund

Another day, another fjord. Ålesund was a larger town, damp, gloomy, but they had a Burger King!

Yes, I left the cruise ship with the meals and drink all included to pay for some chilli cheese bites from Burger King. Just don't tell the butler.

With very little to say about Ålesund it may be time for a different whinge...

I appreciate the space on board is very limited, but in this cabin all 4 of the toilets are tiny little cubicles. In the main bathroom of the master room it seems so pointless - they could have just put it in the bathroom. It has a glass door (!) so not for privacy reasons. Every time I go in there I end up knocking the phone that is one the wall on one side and calling room service or something. I am not that fat, honest, but there are people that are, and would find is seriously annoying, I am sure. An inconvenient convenience...