WHENEVER KARL TEMPERLEY felt that he couldn’t endure another moment he would imagine that he had just run over and killed a child. The shock of the impact, the screech of his too-late emergency stop, the tiny body in the gutter, a parent – sometimes the mother, sometimes the father – running towards him as he stood by the bloodied bonnet of his wife’s Fiat Punto. This imagined, he returned to his real world and its trivial sorrows with relief and gratitude.
‘… your marital status notwithstanding …’ the notary public was saying.
Lately though, facing fifteen months in jail for fraud and a tax infraction he still couldn’t quite fathom – neither what he had done or neglected to do, nor how exactly he had accomplished or overlooked it – he found himself spending longer and longer at his inner roadside.
Karl Temperley wrote consumer reviews of products he had never used and bespoke school and undergraduate essays as ‘study aids’ for ten pence a word. It was a lowly portfolio career, but such was his determination to do something literary with his education: he had read English and taken a Master’s degree in the Metaphysical Poets. It had cost him £78,000, an amount which seemed impossible and therefore easy to ignore.
His employers were email addresses who signed off with different names, but their tone was warm and jovial enough and he was well thought of – of this they assured him – for his ability to write essentially the same thing as if it were being said by ten different people. Where some saw a carbon-fibre laptop case, Karl saw a Russian novel.
His wife, Genevieve, taught at a local primary school. An enviable demographic once known as Double Income No Kids and yet, once the rent and bills were paid, their debts serviced, Karl found that he had to think twice about buying a pair of shoes when his old ones wore through at the sole. The rent kept going up. He was aware they brought some of this on themselves; they had expectations. Every day they drank flavoured coffees the size of poster tubes, which cost as much as the baristas serving them would earn in an hour. They loaded supermarket trolleys with snacks and treats which could largely be consumed on the way home. In the last week of every month they were inevitably down to the wire, so he would put a week’s shopping on his credit card. Then a return train fare. The pair of shoes he needed. A birthday present for Genevieve. Dinner. The bank was happy to increase his credit limit, increase it again and, instead of increasing it a third time, to offer him a temporary loan to consolidate his debt, so that the double-capacity credit card went back to a tantalising £0.00. Karl decided he might start taking advantage of the daily invitations to take out more credit cards, credit cards with banks he hadn’t even heard of, cards in every colour of the spectrum, cards with limits of £300 which he could use for small purchases, cards with limits of £5,000 with which he could chivalrously pay for a new head gasket when Genevieve’s car got into trouble and, the following week, take her on a five-star mini-break to Paris when she turned thirty-two (her thirtieth had been marred by a minor psychotic episode, and her thirty-first was not much better, so he felt the need to compensate). Finally, there was one beautiful, transparent credit card which shimmered like a puddle of petrol and had a limit of £11,000. He used it to pay off some of the smaller credit cards and make the minimum monthly payment on the middle-sized ones. Whenever this one needed servicing he would take out another bantamweight card or a short-term advance.
Genevieve knew nothing of his seventeen-card private Ponzi scheme. As far as she could see, both she and Karl worked damn hard all week then collapsed, exhausted, and spent all weekend either asleep or streaming complete seasons of American dramas to get back to full strength. Whenever they had some time off they both came down with head colds. It never occurred to her that they might be living beyond their means and it took three years for Karl to finally max out his most copious line of credit, the rat queen of his nest of cards. After that, letters printed in red ink started to arrive. Statements with lateness penalties, interest on the lateness penalties, penalties for exceeding the credit limit and lateness penalties on those penalties, punitive rates of interest and demands for final settlement. The double dose of sleeping pills he was taking with a tumbler of mid-priced brandy to silence the grinding gears of his incipient ruination stopped working. He was getting crotchety with Genevieve and it was upsetting her. His very raison d’être was to not upset Genevieve; it was, so he told himself, the reason he’d got into so much debt in the first place and yet it had led to him upsetting her anyway.
Maybe I should kill myself? he thought, looking at his face in the communal bathroom mirror one winter morning, his cheeks covered in shaving foam. He pressed the five-blade Ultra Smooth Advanced Wet Shave System safety razor to his left wrist and shaved a Parmesan-thin centimetre of flesh. Blood appeared like a watermark. It really, really stung. Maybe not. He put his watch on over the top of it.
The tiny abrasion tingled and throbbed sporadically throughout the day. It made him laugh. Karl thought of a story he’d once heard about a would-be martyr in the third century who was on his way to the capital with every intention of being tortured and killed for his faith. He had to break his journey and a monk put him up in an old barn and, in the morning, asked him how his night had been. He complained about the draught and the flea bites, and the monk told him that he probably wasn’t ready to face martyrdom.
Karl knew what to do. He wrote to his anonymous employers. Anyone he had ever worked for, all eighty-two email addresses. He needed more work, better work, urgently, whatever it was. He got only one reply, from someone called Sot Barnslig, offering to make him supervisor for two click-farms, enlisting people from around the world to generate fake traffic for websites, paying them out of the same reserve from which he would draw his own fee. The work was menial and morally dubious, but the pay was better than his fake copywriting and he started to make a dent in the most pressing credit cards.
Actually, said Sot Barnslig – after Karl had been successfully paying down his seventeen debts for a fortnight and was starting to get some rest again – actually, the click-farms were a front for an enormous skimming operation. Sot Barnslig confessed that he was stealing tiny amounts from thousands of different accounts and credit cards, amounts too small to be noticed by their owners, and Karl was unwittingly assisting him.
Karl emailed Sot Barnslig: Why did you tell me that? and carried on.
Unfortunately Sot Barnslig had either been compromised by investigators or had been an undercover agent all along. Karl was required to