Confessions of a Shopaholic (27 page)

Any plans for the rest of my life? Not really.

In the end, I spend a pleasant, unchallenging morning helping Mum sort out a pile of clothes for a jumble sale, and at twelve-thirty we go into the kitchen to make a sandwich. As I look at the clock, the fact that I was supposed to be at Endwich Bank three hours ago flickers through my mind—but very far off, like a distant clock chiming. My whole London life seems remote and unreal now.
This
is where I belong. Away from the madding crowd; at home with Mum and Dad, having a nice relaxed uncomplicated time.

After lunch I wander out into the garden with one of Mum’s mail-order catalogues, and go and sit on the bench by the apple tree. A moment later, I hear a voice from over the garden fence, and look up. It’s Martin from next door. Hmm. I’m not feeling very well disposed toward Martin at the moment.

“Hello, Becky,” he says softly. “Are you all right?”

“I’m fine, thanks,” I say shortly.
And I don’t fancy your son
, I feel like adding.

“Becky,” says Janice, appearing beside Martin, holding a garden trowel. She gives me an awestricken look. “We heard about your . . .
stalker
,” she whispers.

“It’s criminal,” says Martin fiercely. “These people should be locked up.”

“If there’s anything we can do,” says Janice. “Anything at all. You just let us know.”

“I’m fine, really,” I say, softening. “I just want to stay here for a while. Get away from it all.”

“Of course you do,” says Martin. “Wise girl.”

“I was saying to Martin this morning,” says Janice, “you should hire a bodyguard.”

“Can’t be too careful,” says Martin. “Not these days.”

“The price of fame,” says Janice, sorrowfully shaking her head. “The price of fame.”

“Well, anyway,” I say, trying to get off the subject of my stalker. “How are you?”

“Oh, we’re both well,” says Martin. “I suppose.” To my surprise there’s a forced cheerfulness to his voice. He glances at Janice, who frowns and shakes her head slightly.

“Anyway, you must be pleased with the news,” I say brightly. “About Flagstaff Life.”

There’s silence.

“Well,” says Martin. “We would have been.”

“No one could have known,” says Janice, giving a little shrug. “It’s just one of those things. Just the luck of the draw.”

“What is?” I say, puzzled. “I thought you were getting some huge great windfall.”

“It appears . . .” Martin rubs his face. “It appears not in our case.”

“But . . . but why?”

“Martin phoned them up this morning,” says Janice. “To see how much we would be getting. They were saying in the papers that long-term investors would be getting
thousands
. But—” She glances at Martin.

“But what?” I say, feeling a twinge of alarm.

“Apparently we’re no longer eligible,” says Martin awkwardly. “Since we switched our investment. Our old fund would have qualified, but . . .” He coughs. “I mean, we will get
something
—but it’ll only be about £100.”

I stare at him blankly.

“But you only switched—”

“Two weeks ago,” he says. “That’s the irony. If we’d just held on a little bit longer . . . Still, what’s done is done. No point whining about it.” He gives a resigned shrug and smiles at Janice, who smiles back.

And I look away and bite my lip.

A nasty cold feeling is creeping over me. They took the decision to switch their money based on my advice, didn’t they? They asked me if they should switch funds, and I said go ahead. But now I come to think of it . . . hadn’t I already heard a rumor about this takeover? Oh God. Could I have stopped this?

“We could never have known these windfalls would happen,” says Janice, and puts her hand comfortingly on his arm. “They keep these things secret right up until the last minute, don’t they, Becky?”

My throat’s too tight to answer. I can remember exactly now. It was Alicia who first mentioned the takeover. The day before I came down here. And then Philip said something about it in the office. Something about with-profits holders doing well. Except . . . I wasn’t really listening. I think I was doing my nails at the time.

“Twenty thousand pounds, they reckon we would have got if we’d stayed,” says Martin gloomily. “Makes you sick to think about it. Still, Janice is right. We couldn’t have known. Nobody knew.”

Oh God. This is all my fault. It’s all my fault. If I’d just used my brain and
thought
for once . . .

“Oh, Becky, don’t look so upset!” says Janice. “This isn’t your fault! You didn’t know! Nobody knew! None of us could have—”

“I knew,” I hear myself saying miserably.

There’s a flabbergasted silence.

“What?” says Janice faintly.

“I didn’t
know
, exactly,” I say, staring at the ground. “But I heard a sort of rumor about it a while ago. I should have said something when you asked me. I should have warned you to wait. But I just . . . didn’t think. I didn’t remember.” I force myself to look up and meet Martin’s astonished gaze. “I . . . I’m really sorry. It’s all my fault.”

There’s silence, during which Janice and Martin glance at each other and I hunch my shoulders, loathing myself. Inside, I can hear the phone ringing, and footsteps as someone goes to answer it.

“I see,” says Martin eventually. “Well . . . not to worry. These things happen.”

“Don’t blame yourself, Becky,” says Janice kindly. “It was our decision to switch funds, not yours.”

“And remember, you’ve been under a lot of pressure yourself recently,” adds Martin, putting a sympathetic hand on my arm. “What with this dreadful stalking business.”

Now I really feel like dirt. I don’t deserve these people’s kindness. I’ve just lost them £20,000, through being too bloody lazy to keep up with events I’m supposed to know about. I’m a financial journalist, for God’s sake.

And suddenly, standing there in my parents’ garden on a Monday afternoon, I’m plunged to the lowest ebb of my life. What have I got going for me? Nothing. Not one thing. I can’t control my money, I can’t do my job, and I haven’t got a boyfriend. I’ve hurt my best friend, I’ve lied to my parents—and now I’ve ruined my neighbors.

“Becky?”

My father’s voice interrupts us all, and I look up in surprise. He’s striding across the lawn toward us, a perturbed look on his face.

“Becky, don’t be alarmed,” he says, “but I’ve just had that Derek Smeath chap on the phone.”

“What?” I say, feeling my face drain in horror.

“The stalker?” exclaims Janice, and Dad gives a sober nod.

“Quite an unpleasant fellow, I would say. He was really quite aggressive toward me.”

“But how does he know Becky’s here?” says Janice.

“Obviously just taking potluck,” says Dad. “I was very civil, simply told him you weren’t here and that I had no idea where you were.”

“And . . . and what did he say?” I say in a strangled voice.

“Came out with some nonsense about a meeting you’d set up with him.” Dad shakes his head. “The chap’s obviously deluded.”

“You should change your number,” advises Martin. “Go ex-directory.”

“But where was he phoning from?” says Janice, her voice rising in alarm. “He could be anywhere!” She starts looking agitatedly around the garden as though expecting him to jump out from behind a bush.

“Exactly,” says Dad. “So, Becky, I think maybe you should come inside now. You never know with these characters.”

“OK,” I say numbly. I can’t quite believe this is happening. I look at Dad’s kind, concerned face and suddenly I can barely meet his eye. Oh,
why
didn’t I tell him and Mum the truth? Why did I let myself get into this situation?

“You look quite shaken up, dear,” says Janice, and pats me on the shoulder. “You go and have a nice sit down.”

“Yes,” I say. “Yes, I think I will.”

And Dad leads me off gently toward the house, as though I were some kind of invalid.

This is all getting out of hand. Now not only do I feel like an utter failure, I don’t feel safe anymore, either. I feel exposed and edgy. I sit on the sofa next to Mum, drinking tea and watching
Countdown
, and every time there’s a sound outside, I jump.

What if Derek Smeath’s on his way here? How long would it take him to drive here from London? An hour and a half? Two, if the traffic’s bad?

He wouldn’t do that. He’s a busy man.

But he
might
.

Or send the bailiffs round. Oh God. Threatening men in leather jackets. My stomach is squeezed tight with fear. In fact, I’m beginning to feel as though I genuinely am being stalked.

As the commercial break begins, Mum reaches for a catalogue full of gardening things. “Look at this lovely birdbath,” she says. “I’m going to get one for the garden.”

“Great,” I mutter, unable to concentrate.

“They’ve got some super window boxes, too,” she says. “You could do with some nice window boxes in your flat.”

“Yes,” I say. “Maybe.”

“Shall I put you down for a couple? They’re not expensive.”

“No, it’s OK.”

“You can pay by check, or VISA . . .” she says, flipping over the page.

“No, really, Mum,” I say, my voice sharpening slightly.

“You could just phone up with your VISA card, and have them delivered—”

“Mum, stop it!” I cry. “I don’t want them, OK?”

Mum gives me a surprised, slightly reproving look and turns to the next page of her catalogue. And I gaze back at her, full of a choking panic. My VISA card doesn’t work. My debit card doesn’t work. Nothing works. And she has no idea.

Don’t think about it. Don’t think about it. I grab for an ancient copy of the
Radio Times
on the coffee table and begin to leaf through it blindly.

“It’s a shame about poor Martin and Janice, isn’t it?” says Mum, looking up. “Fancy switching funds two weeks before the takeover! Such bad luck!”

“I know,” I mumble, staring down at a page of listings. I don’t want to be reminded about Martin and Janice.

“It seems a terrible coincidence,” says Mum, shaking her head. “That the company should launch this new fund just before the takeover. You know, there must be a lot of people who did exactly what Martin and Janice did, who have lost out. Dreadful, really.” She looks at the television. “Oh look, it’s starting again.”

The cheery
Countdown
music begins to play, and a round of applause rattles noisily from the television. But I’m not listening to it, or even paying any attention to the vowels and consonants. I’m thinking about what Mum has just said. A terrible coincidence—but it wasn’t exactly a coincidence, was it? The bank actually wrote to Janice and Martin, suggesting that they switch funds. They even offered an incentive, didn’t they? A carriage clock.

Suddenly I feel alert. I want to see the letter from Flagstaff Life—and find out exactly how long before the takeover they sent it.

“ ‘ending,’ ” says Mum, staring at the screen. “That’s six. Ooh, there’s an S. Can you have ‘endings’?”

“I’m just . . . popping next door,” I say, getting to my feet. “I won’t be a minute.”

As Martin opens the front door, I see that he and Janice have also been sitting in front of the telly, watching
Countdown
.

“Hi,” I say sheepishly. “I was just wondering—could I have a quick chat?”

“Of course!” says Martin. “Come on in! Would you like a sherry?”

“Oh,” I say, a little taken aback. I mean, not that I’m against drinking, obviously—but it isn’t even five o’clock yet. “Well—OK then.”

“Never too early for a sherry!” says Martin.

“I’ll have another one, thanks, Martin,” comes Janice’s voice from the sitting room.

Blow me down. They’re a pair of alcoholics!

Oh God, perhaps this is my fault too. Perhaps their financial mishap has driven them to seek solace in alcohol and daytime television.

“I was just wondering,” I say nervously as Martin pours dark brown sherry into a schooner. “Just out of interest, could I have a look at that letter you got from Flagstaff Life, asking you to switch funds? I was wondering when they sent it.”

“It arrived the very day we saw you,” says Martin. “Why do you want to see it?” He raises his glass. “Your good health.”

“Cheers,” I say, and take a sip. “I’m just wondering—”

“Come into the living room,” he interrupts, and ushers me through from the hall. “Here you are, my love,” he adds, and gives Janice her sherry. “Bottoms up!”

“Sssh,” she replies. “It’s the numbers game! I need to concentrate.”

“I thought I might do a little investigation into this,” I whisper to Martin as the
Countdown
clock ticks round. “I feel so bad about it.”

“Fifty times 4 is 200,” says Janice suddenly. “Six minus 3 is 3, times 7 is 21 and add it on.”

“Well done, love!” says Martin, and roots about in a carved oak sideboard. “Here’s the letter,” he says. “So—do you want to write an article or something?”

“Possibly,” I say. “You wouldn’t mind, would you?”

“Mind?” He gives a little shrug. “No, I wouldn’t think so.”

“Sssh!” says Janice. “It’s the Countdown Conundrum.”

“Right,” I whisper. “Well, I’ll just . . . I’ll just take this, shall I?”

“Explicate!” yells Janice. “No, exploited!”

“And . . . thanks for the sherry.” I take a huge gulp, shuddering slightly at its sticky sweetness, then put my glass down and tiptoe out of the room.

Half an hour later, sitting in my bedroom, I’ve read the letter from Flagstaff Life six times and I’m sure there’s something fishy about it. How many investors must have switched funds after receiving this crappy carriage clock offer—and missed out on their windfall? More to the point, how much money must Flagstaff Life have saved? Suddenly I really want to know. There’s a growing indignation in me; a growing determination to find out exactly what’s been going on and, if it’s what I suspect, to expose it. To print the truth and warn others. For the first time in my life, I’m actually
interested
in a financial story.

And I don’t just want to write it up for
Successful Saving
, either. This deserves the widest audience possible. Eric Foreman’s card is still in my purse, with his direct telephone number printed at the top, and I take it out. I go to the phone and quickly punch in the number before I can change my mind.