Welcome to my Blog.
I doubt I will get many followers but sometimes its worth the trouble to just get it all out.
I know by far that there are places in the world and people out there who are far worse off than me, and I am in no way saying that my life in anyway is worse than thiers, but when nothing EVER goes right i have to write.
all I ask for a simple life, im saving for my wedding to my wonderful fiance in March next year, thought id sell a few bits we no longer needed on the worlds biggest auction site, who will remain nameless but im sure you all know who i mean, to raise some funds for the big day, sold quite a lot, checked/tested and well packaged every one of the 12 items we sent...1 buyer decieded to push his luck, cloaimed id sent him a faulty item, started a case in the resolution centre, i offered to obtain the postal insurance money as thats what i paid the insurance for, only to be told no and to be sworn at, threatened, called names and told i am an insurance scammer, when i asked ebay to look at the case they refunded the idiot buyer fully (infact double due to return postage) hes refused to return the item and on his account i've just seen a very familiar item sold for more than he paid for.......fair??? i think not!!
i just rang a useless credit card company, i've had an account with them for over 4 years, my card went missing so i rang to block it and obtain another one, with a balance well below half the credit rating never did i think that i'd hear what they said today, they've refused to re-issue a card to me, i've NEVER missed a payment, i have always been quick to respond to any letters and the account has only ever been in arrears once for £3.20 which was cleared the same day, reason - "your card was expired and you didn't request a new one"....why would i? when its supposed to be all automated and they should automatically send through a replacment card at the expiry date, which has left me totally screwed this month....i never rely on credit but this month was the only exception due to the useless tax credits office stopping any payments to me becasue i moved house and my hours have had to go down in work......make sense??
they stopped my weekly money (which i hate relying on but sometimes its the only money i've got) because i need to reapply with my new working hours, its takes between 4-6weeks to reapply and get your award agreement through the post, that upto 6 weeks with NO MONEY from them to support my 2 children, i worked full time my entire life until 4weeks ago when me and my fiance agreed it wasn't feasable for me to return to work full time due to my pay being less than it would cost us to put the children in to nursery, therfore rendering it completely pointless that i even go to work in the first place!
another bank issue now, a worldwide well known bank decided that it was a good idea to bounce my mortgage for the 4th month in a row, because the account was over by £1.16 for little over an hour, their excuse "we refused the payment that will allow your account to stay in credit for the remainder of the month" but when i phoned them to point out that money gets paid in every week on the same day at the same time and each month i have moved my mortage payment to suit their dates, all of this clearly visabole o nteh account information they have access to, they fobbed me off with nothing more than a "well its not our fault" and sufficiently hung up...how rude!
a few months back, when i was 8months pregnant with the youngest of my two children, our local council decided to hit me with a "attachment of earnings order" typically i got this letter on a friday evening (as i wasn't living at the address they sent the letter to i popped in to pick up the mail during the renovations) and had to wait through an entire bank holday weekend before i could find out what it was for, when i told that it was for anunpaid council tax bill from 2008 (conected to my useless ex partnew who didn't pay it for almost a year) i asked why then have i been willingly paying double council tax for the past year to cover it am i still having money taken against my will direct from my earnings....luckily it was a mistake on thier part, but it took them over 6months to aggree to return the funds to me, onyl then to be told that i had to pay the following years council tax in advance by the end of the month....what the hell is that about???
over the past 6 years my life has taken a massive downhill in the financial area, which i know a lot of people have expereinced but seriously to this magnitude??
none of the above being my fault yeat im left to cover other peoples mistakes, my ex, walked out 6 weeks prior to our wedding, leaving mountains of debt, a mortgage and a child, leaving me with it all, he now drives around in the 5th car he's purchased since the breakup, all new and all expensive, spends his money of football season tickets, various different girlfriends and stuff he generally doesnt need and im left picking up the shit after him, even after 3 years im still struggling to get into a financial position when im not left crying myself to sleep.
my Fiance, is the most amazing guy, he'd do anything and will help me in any way that he possibly can, he helps me keep my accounts in check but sometimes theres nothing we can do, the accounts mounts up and up and up and keep getting more and more and more debt letter from years gone by, in my name for things i've never asked for or bought, when am i ever going to get a break!?
im not asking to win the lottery, or for millions of pounds in my pocket i just want something to go right and to be able to live comfortably with our joint wages, not have to worry myself ragged at where my daughters next packet of formula is going to come from.
