There's an app for that.

I find the triviality of modern life quite frustrating with television becoming unwatchable with the flood of ads that are not only irritating, but bordeline dishonest.

I'll start with the ads where they encourage you to downlonad the app and dealers will fight tooth and nail to buy your clapped out Mondeo for the best price. This is illustrated by dealers depicted dancing on big calculators until kerching, mother announces to family "We just sold the car" the prgresss of the dealer bloodbath she monitored on her app.

I've spent a few years in the motor trade both at the Arthur Daley end and at main dealership level and can guarantee you the concept outlined above is utter bollocks.

There's not a dealer on the planet who is going to pay over the odds for your car, let alone bid against other dealers to get their hands on it.

A couple of years ago, I had a Ford Ka which I paid £4k for. Out of curiosity, I typed my registration number into the app that Phillip Schofield used to promote and I got a figure of £1600. Once you get your figure, you will be pestered by text to go to a nearby centre where I can guaranteed having given your car the once over, you'll be chipped on the price the app gave you in thirty seconds.

Buying cars in the trade, carries more risks than buying from a dealer as a punter. These days with trading standards and the likes, even small operators have to offer a warranty period.

In the trade, we used to buy vehicles for stock from local traders. You gave the vehicle the once over and decide whether to buy or not. Same with buying at the block (auction house). Once bought that was it and any problems you missed such as a noisy gearbox, big end rattle or anything else that a cursory inspection didn't pick up is yours to rectify.

You'd have to budget to put that car in a saleable condition, known as reconditioning costs.

That's no different today, so that's why these guys will always chip you on price, not cut each others throats to take your car into their stock. Apps are bullshit.

Credit Scores.

Again, heavily sold on TV with the insistence you need to tap the app. Since anyone started borrowing money from someone with more then they have, there's a risk element to the lender.

Punter does a bunk, punter dies, punter just refuses to pay back on the loan. That's why lenders build in their interest, it's part of the risk factor.

In the olden days, before apps and computers, you'd fill out a form and your provider would propose you to a finance company. If you approached your bank, they would calculate your risk with how much you earn vs how much disposable income you have available, before saying yes or no. If you had county court judgements against you, this was usually the kiss of death for your hopes of finance.

TImes change, difficulty to get credit can be affected by the amount of competition out there, economic circumstances, but they will always be calclulated against risk, which is why you see ads on TV where people with bad credit are encouraged to apply but the rates will reflect based on risk and 99.9999999% will be common.

Then came the app and the credit score.

Totally made up. Sure, credit reference agencies will have a scoring system, usually their own which is why I for example could get a customer accepted by an outfit such as GMAC when Lloyds had declined.

Credit score on your phone has no value whatsoever, it is just a number, which is why my piss boils when I see that bint announce she couldn't even get a store card, but with her Clear Score app, yet she kitted out the whole house and has control over her finances.

Bold claims if you take into account her credit rating mustlve been in the shitter if store cards who charge around 40% gave her the elbow, what credit line did she use to kit out the whole house and precisely how does an app give you control? Actually, having looked at a couple fo these apps, they do no more than broker for a commission, credit cards and loan companies.

It's not just finance. Fast food apps where you're ordering a £12 meal and pay another £6 to have it delivered expecially stuff like burgers and chicken. The whole fried food sales mechanism being "fast" , having drive through etc and yet there's an app so you san sit on your fat arse and tap to get all your heart's desire.

Those ads are definitely targeted towards the Tik Tok or fuckwit generation. People who appear to have no life skills, let alone a sense of value for money. One even uses the robotic voice many Tik Tok videos employ.

Of course it's very easy to take no notice of all this going on around you, but it really is the slow rot nibbling away at the yoof market or next generation who are on course to not being able to make the simplest of decisions without an app to point them in the right direction toan outfit on the make from ignorance. They won't be able to make cheese on toast without the ingredients coming in a box costing more than its worth from a stupid fucking app.

The more I see of digital life, the more I am reminded of HG Well's Time Machine where some time in the future, the population are split into two groups, Eloi and Morlocks, the latter raising and caring for the former to later use them for food.

Which are you?