The Finale – part two.
As it happens, Duncroft was the last of the plates to come to rest – over the last five weeks, I also had to move house, move country – and move hospitals. Anybody who has had to do any of those will appreciate the dramas that unavoidably pop up.
We bought the little cottage where we have now come to rest a year ago. I was ‘in remission’ – and we thought we might do it up over, ooh, maybe the next ten years or so, and then retire here…
Famous last words. Within three weeks of buying it – it was announced that ‘whoops!’ I wasn’t ‘in remission’ any longer. Although we had the money available to do the necessary work to this damp little pile previously inhabited by a very elderly lady – it seemed madness to go ahead and spend it when we had no idea what treatment lay ahead of me second time round with this bluddy cancer, how long it would take, nor when we would be able to leave France. You don’t leave yourself bereft of money in France; no welfare state to call on, you have to be self supporting – so the cottage went on hold.
A year later, two lots of surgery, and a month’s worth of incarceration in a radioactive metal tube (I am hopelessly claustrophobic – so spent the entire times imagining I was in this cottage, gazing out the window at a bucolic English scene, and counting imaginary sheep in the water meadows opposite!) and Voila! Vous êtes encore en rémission.
Well, that’s a relief. A somewhat battered Raccoon announced that she would very much like to sell the house in France and move into the cottage – I’d spent that much time thinking about it, and was monumentally fed up with trying to remember my verb declinations when full of morphine and anaesthetic! We put the house on the market, and quickly found a buyer. He turned out to be a total tosser. We put the house back on the market – and found another buyer.
Now in France, you can expect three months between ‘exchange of contract’ and ‘completion’ of a sale. That meant sometime beginning of November – slightly complicated by the fact that if your buyer is borrowing even 1% of the price, he has to be given two months to work his way through French bureaucracy and find out whether they will actually lend him the money – without penalty. Or in other words, you don’t know whether you have a secure sale until two months down the line. Or to put it even another way – you end up with something like three and a half weeks in order to arrange your entire move – not so bad within France – but an international move? Bluddy nightmare.
That same three week period now applied to getting the damp little cottage, that had now been empty for a year, habitable. Mr G started roaring up and down the 1,500km distance between ‘a’ and ‘b’, several times, moving his entire workshop. I started the delicate task of prising all my notes and scans out of the French hospital and getting everything transferred to England. And finding removers who could do the job in three weeks. And packing everything up. And keeping the blog going. Just call me wonder-woman – if you truly want to drive yourself scatty, I do recommend alternate phone calls in French to Eon, arranging to get your electric cut off, and in English to Eon arranging to get your electric put on…you might think the English bit would be the easy one. Huh!
Mr G took up residence in England and starting ripping out ceilings, and the odd wall that annoyed him…I came with him on one trip – nipped to the nearest main hospital, had my ‘October scan’ and flew back to France the next day. It was all go folks – if you didn’t get a reply to your e-mail, or thought the day’s post was a bit off-colour, now you know why.
David Rose of the Mail on Sunday thought this was the perfect time to start picking my brains with a view to writing his series of articles on the Savile fiasco – I met him in a near derelict cottage in England, where I couldn’t even make him a cup of tea – we sat on camping stools in the garden so he could ‘leach’ wi-fi from the pub next door, that’s how mad it got. God knows what he must have thought – I hadn’t had a bath for three days at that point!
Back to France again, everything now in boxes, sleeping on the sofa I had fortunately had the wit to sell to the new owners (and I do love people who know you are moving and gaily say things like ‘well, if you just scan such and such, and send it to us’ when the scanner is in one of 35 identical boxes and most of your paperwork is now in another country…)
A recorded letter arrived. Now ten days before the sale date. From HSBC France. Two pages of legalise in French. They were pleased to tell me that they had closed my account and I would be able to take possession of the balance in two months time when they could be assured that there would not be any further ‘call’ on my account.
Whaaat? I had only asked them to change the address to send statements to, surely they couldn’t have misunderstood that? I phoned them – as in England, you can only phone a central number. Well, it seemed that the writer of that letter had taken off on ten days holiday and no, no one else could discuss the matter with me. What followed was a three week fiasco of daily phone calls that is still not resolved.
I had only ever heard of the French closing a bank account like that if you had bounced a cheque – my first thought was that maybe I had been the victim of fraud and someone had managed to drain the account. Three weeks of speaking to just about everyone in HSBC international, UK, Jersey, in fact everywhere other than my branch in Bordeaux, I have finally gleaned that I haven’t done anything wrong – HSBC are doing this to thousands of customers world-wide – anyone who falls foul of a tick box ‘risk assessment’ as a result of draconian fines in the US regarding money laundering. If you move money in or out of HSBC accounts in different countries – it is liable to happen to you. Pretty curious considering their core business is supposed to be dealing between different currencies in different countries….
Just my bad luck that it happened to me ten days before a house sale, with Mr G in England, sitting on a sofa in an empty house. HSBC in Jersey where I have a sterling account were fantastic. Turns out that France is the one country where even they can’t get any answers on the phone – but what they could do was open a Euro account for me so the sale proceeds could be paid in there – all I had to do was change the ‘instructions’ to the Notaire – who wanted everything counter signed by G, naturally, this is France we are talking about. More cross-country gymnastics.
Phew! With one bound, spring-heeled Raccoon was free. Just in time to take a phone call from the hospital in England. Not so fast Raccoon – they could see the tumour in my lung, could they possibly have sight of my last scan in France to compare it?
Er, what tumour in my lung? Oh, the little tiddly one bottom right. You mean the one I didn’t know anything about until you mentioned it? Yep, that one….oh, for crying out loud…! Could I come in and see the surgeon tomorrow – no I bloody well can’t! I’m sitting on a sofa in an empty house in the middle of rural France and I can’t leave here for another five days…
Somehow the 12th November came and went, and I appeared at the Notaires looking as though I didn’t have a care in the world, signed everything in sight, climbed into the little Fiat 500, now loaded with everything the removers had left behind and started driving Hell for leather for England. I was under strict instructions from Mr G to ‘make it a pleasant journey, meander through France, take three or four days’ – yeah, like I was going to do that when I had a few things to tell him when we were finally face to face that couldn’t be talked about on the phone – like that ‘tiddly little tumour’ for a start….I made it to the cottage in 23 hours – that included 6 hours sleep in a Fiat 500. That car is amazing.
Mr G has been fantastic; he always is. The cottage is a complete wreck; emergency electric supply, one cold water tap, and we live in one room accessed through the back of the wardrobe in another room, we call it ‘Narnia’. What I can say is that everyday is a 100% improvement on the day before…not many people can say that about their lives. We realise now that I am going to get sick again, so he has completely changed all his plans for the house and set in place an emergency plan that is going ahead at the speed of light. Builders are crawling all over the place – I even have a hot water tank to look at, as of this afternoon – not actually connected to the electricity supply, but its a start.
I think Ms Smudd thought I might have been pulling her leg when I told her what was happening – but she turned up on Saturday morning, little darling that she is, along with a ‘house warming present’ of two of the finest thermal vests in existence – that’s what you call a good friend. Without giving away that good lady’s household management secrets, it is fair to say she has seen chaos before – and even her jaw dropped. Avalanche cupboards Ms Smudd? I’ll raise you a complete avalanche household!
Usually G makes everything himself – but there is no time to do that, so every hour brings more people, more deliveries…and we have the money to pay for it. Or do we? The money in Bordeaux is irretrievably trapped until the end of December. But the house sale money, which is substantial? Where was it? It had left the Notaire, but wasn’t in the new Jersey account.
Noooo! I can’t take any more folks. The Notaire’s bank had decided that the account number wasn’t reflected in the IBAN details and were declining to send it to those details….they wanted confirmation from HSBC ‘of the correct numbers’ (in French naturally). Numerous phone calls to HSBC over the next three days couldn’t sort this out – they weren’t allowed to send account details to a ‘third party’, which the Notaire was. No statement had yet been issued (the account was only ten days old!) and there seemed no way of resolving this impasse.
I sat here with my head in my hands, close to tears. ‘If this was someone else, I would be crawling all over this story on their behalf’, I thought. ‘They can’t do this to me’.
Hmmn, why wasn’t I? Or at least why wasn’t Ms Raccoon?
So I sat and wrote the story of this lady with cancer who was now trapped in a derelict house in England, unable to pay the builders – thanks to HSBC – in Ms Raccoon’s usual style. I included spaces for ‘graphic(s) to be added’ and made reference to the Mail on Sunday without actually telling any lies – and sent it off to HSBCs press office….giving them the opportunity to comment before publication in time honoured style.
Bingo! Ms Raccoon to the rescue. Less than two hours later the lovely man in Jersey told me he had been given authorisation ‘from on high, in fact as high as it gets’ to do whatever necessary to sort the situation out. Letters were couriered overnight to France, phone calls were made, it seemed that all the things that couldn’t be done, suddenly could. By 5pm Friday night I had an e-mail to check my account – the money had arrived…
I think I just joined the list of people who have every reason to be grateful to Ms Raccoon.
Of course the hospital plate is still spinning, but that tomorrow’s problem. I’m cream crackered.
- Helen
December 1, 2014 at 5:31 pm -
You are a formidable bluddy woman and I take inspiration from you.
Helen x
- ivan
December 1, 2014 at 6:18 pm -
Anna, we all knew the Raccoon had power but it seems it should be Super Raccoon!
- Carl
December 1, 2014 at 6:21 pm -
I do hope that the result of the scan taken in England is due to a glitch in the machine and that you remain well.
- carol42
December 1, 2014 at 6:22 pm -
You are one amazing lady Anna and your resilience never ceases to astonish me. I had a thoracotomy four years ago for a tumour in the lower right lobe which was removed and I have been NED since. That was all I had though and nothing to compare with what you have been through. My very best wishes that it all goes well, maybe scar tissue or infection. Good luck.
Carol x
- Wigner’s Friend
December 1, 2014 at 6:33 pm -
Applause. If ever I am in trouble, I won’t call Ghostbusters, I’ll have Ms Raccoon on speed dial.
- Ed P
December 1, 2014 at 8:10 pm -
Well done – HSBC have implemented these stringent measures to try to disassociate themselves from their previous banking habits. It’s alleged, though of course not by me, that most of the world’s drug money was laundered by them until recently. Now they’ve turned a whiter shade of pale, perish the thought there could be any skeletons hidden away.
Good luck with the latest setback – like Carl I hope it’s a glitch, quite normal these days in the NHS. But if not I trust you will be off to France again – there are few competent staff left in the UK’s NHS.
- wiggia
December 2, 2014 at 11:40 am -
Having recently had to go through the “inquisition with HSBC regarding my own money I fully appreciate where Anna is coming from, frustrating doesn’t do it justice
As to alleged, I think not…………………….http://uk.reuters.com/article/2012/12/11/us-hsbc-probe-idUSBRE8BA05M20121211
- wiggia
- Joe Public
December 1, 2014 at 8:22 pm -
You’re surely getting value-for-money from your subscription to Masochists Anonymous.
- DtP
December 1, 2014 at 9:13 pm -
Geez – a slight outbreak of tears rolling down face. Good luck love xxx
- Hadleigh Fan
December 1, 2014 at 9:47 pm -
I love your thermal vest story. Some three decades ago, my father wrote to Mrs Thatcher with the idea that to save money on the winter heating allowance, elderly folk could be issued with two sets of thermal underwear, thus at a stroke allowing them to feel warm in any room of their houses, and solving problems of mills in Lancashire looking for work. He did it in all seriousness. He got a very polite answer from a flunky saying that Mrs T was fascinated by the proposal, which Dad brandished with glee and would show to anyone who expressed the slightest interest. The two sets were to allow said oldies to have one set to wear while one was in the wash.
Your account demonstrates just how right he was.
My very best wishes and hope for your recovery.
- Michael
December 1, 2014 at 9:59 pm -
I was almost in tears reading that aloud to my lady wife. Fantastic, engaging and beautifully written, as always.
Curiously enough, I’m in the middle of selling a house in France myself. Well, more like one sixth of a house. Stranger than that, it’s a sixth of a house I had no idea I owned. It’s a place my parents bought with the intention of retiring out there about six years ago. A month or so before they were due to move, my dad – a fit, healthy 55 year old – died suddenly.
My mum kept the house for a while, and my brother lived there for a year or two. When she came to sell it, I started getting emails from the estate agent requesting my signature and copies of birth and marriage certificates.
“Odd”, I thought, in the style of Obe Wan when presented with a wayward R2D2. “I don’t recall owning a house in France before”.
Apparently – in the absence of a will, there is a mandatory split – 50% to the widow, and 50% between the surviving children. Who knew?
Next step is to figure out the best way of getting the money back to the UK. I’m not even sure we will be permitted to pay it into a single account. (Please, no offers from Nigerian Princes in the replies below )
- Cascadian
December 1, 2014 at 11:49 pm -
I doubt we shall ever hear the landlady complain about the Daily Mail.
Strange how a bank press office can magically remove all previous unmovable obstructions to the owners money.
Well done landlady, good luck with the NHS.
- Mudplugger
December 2, 2014 at 8:46 am -
Nothing changes – decades ago I was involved in developing a customer service computer system for a very large company. All the screens and documents featured a covert code-letter which silently highlighted to staff that this customer had previously complained to the press, an MP or the company’s chairman.
Any customer whose record featured that code was thus entitled to miracles, whatever was needed and at whatever cost, just to stop them complaining that way again. Chances are that’s still working now in lots of similar systems.
- Mudplugger
- FrankH
December 2, 2014 at 12:58 am -
All those words and all I saw was “…the pub next door…”.
You’ve got a pub next door! When can I visit?
Oh yes. Get well soon.
- sally stevens
December 2, 2014 at 1:09 am -
All the best, Ms. Raccoon. Glad it all got sorted. Somebody up there likes you!
- Moor Larkin
December 2, 2014 at 8:22 am -
I remember many moons ago needing a bridging loan for buying my first house. The solicitor said he’d exchange contracts once I’d got the bank to advise him that they’d agreed the bridging loan facility. The bank manager said he’d approve the loan once the solicitor had advised him of the exchange of contracts… You can perhaps guess the rest… No Raccoon Agencies available in those days.
- Chris
December 2, 2014 at 8:41 am -
Exhausted reading that, never mind having to go through it all! At least, so far, we haven’t been put through a ‘Daily Express Winter’ so the thermals don’t have to be doubled-up
And to think, I’ll have to make the move over there soon – not that I want to leave my England per se, but with society in freefall and everyone 10-15 years younger than myself abject cretins it’s a case of having to if I want any kind of future at all. Asylum from the asylum.
- The Blocked Dwarf
December 2, 2014 at 8:53 am -
Anna, you are amazing. Simply bloody amazing and an inspiration.
- Alex
December 2, 2014 at 9:09 am -
I also want send you my very best wishes for a happy outcome to all the tribulations life is throwing your way. There are many people who owe you a great deal of thanks for the huge effort you’ve expended in trying to put right some very serious wrongs. You really do deserve some sore of reward or recognition for what you’ve done – I sincerely hope you’re not of the Sherlock Holmes persuasion in that ” your work is its own reward”. Once again I wish you all the very best.
- Ms Mildred
December 2, 2014 at 9:21 am -
An amazing account of courage and persistence in the face of banking officials’ stupidity over a money tranfere. I went to to Dunelm Mill yesterday, an easy walk, and purchased a ‘Teddy Bear’ knee throw yesterday for OH, as his old one is getting a bit worn. Hanging up in all shapes and sizes were ‘onesies’ in all colours and in the fabric a la Teddy Bear. I can just visualize Lady Racoon keeping cosy in a onesie in that damp and dreary old cottage. This fabric is so soothing to snuggle under, on the couch in front of the tele for a well earned rest. Better fortunes await you Anna, I sincerely hope.
- Engineer
December 2, 2014 at 9:40 am -
Blimey. You really don’t do things by halves, do you! My very best wishes on the health front – like others, I hope it’s either a mistake or a minor blip.
Hats off to Mr G too. I’ve found in the past that it’s truly amazing what you can do if you’re suddenly under REAL pressure, but in all honesty it’s not always fun at the time. The poor bloke must be going flat out from before dawn to well after dark – “somewhere to retire to” eh? Ha!
- Cloudberry
December 2, 2014 at 9:42 am -
Wow, those plates are certainly spinning! Good luck, Anna.
- Don Cox
December 2, 2014 at 12:23 pm -
Just to say Best Wishes and Take Care.
- Rob J
December 2, 2014 at 12:45 pm -
I’m sure you don’t need me to tell you Anna but you need to put your feet up for a while. Your tribulations would test a healthy person. Stress has an enormous effect on physical well-being. Look after yourself.
- mike fowle
December 2, 2014 at 4:46 pm -
“God knows what he (David Rose) must have thought”. The same as the rest of us, I expect: that you are one amazing woman, in a league of your own.
- Ancient+Tattered Airman
December 2, 2014 at 7:04 pm -
The Germans have a phrase that describes you rather well. It translates as ‘The finest steel is that which is subjected to the fiercest flame’.
- GildasTheMonk
December 3, 2014 at 8:16 am -
Best wishes Boss. If I can help, just drop me a line
- Fat Steve
December 3, 2014 at 11:03 am -
Only two plates really really matter Anna ….and that is You and Mr G ….long may you both continue to spin with each others help
- Cornish Lark
December 3, 2014 at 11:10 am -
Anna – what a role model you are – a woman of substance. Keeping my fingers crossed for you.
- Frankie
December 5, 2014 at 6:38 pm -
Bloody hell Anna!!
Clearly, you are one of those people who infinitely prefer the rocky dangerous sheep track meandering randomly over the forbidding snow covered mountain in a known avalanche area to the beautifully appointed, tarmac covered and clearly signposted level footpath which gently meanders past the beautiful waterfall with its award winning coffee shop…
I cannot concieve of any reason why one would move out of a perfectly serviceable house, move to another country when one had just had some potentially very bad health news, let alone undertake such a mad D.I.Y. project in the middle of winter, but I is not a Raccoon!!
I send
{ 31 comments… read them below or add one }