The material presented
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I am just feeling flustrated today for some reason. One thing that happened was that I realized that I paid one of my credit cards the other day using the wrong checking acct. DUH what a dumb mistake. I do on-line bill pay and both of my checking accts come up on it. Unfortunately, the joint acct w/my AH is the default and I can't change it for some reason. So I always have to remember to change the acct that I am paying out of. Well I was in too big a hurry paying this bill and forgot to change it. Needless to say the bank returned the bill payment to the credit card company for insufficient funds and charged me $32 for bouncing the acct. Luckily my bank is very understanding and that I haven't been charged any fees for anything for a really long time so they are waiving the insufficient funds fee. However, the credit card company was not as understanding. I told them that I immediately reprocessed a new payment and it will arrive BEFORE my due date. (I pay my bills early so that I don't get side tracked w/life and forget to do it.) She said there was nothing they could do, that they just had to wait for the 1st payment to bounce. I said I just wanted her to make a note on my acct that I knew the payment didn't go through and that a new one has already been made. BLAH BLAH BLAH. What a pain.
Also today I called the phone company to get a new Private Phone Number. This is going to cost me $35 but is something I realize I MUST do now. That collection agency left me 2 nasty messages yesterday and I just don't need that added stress in my life. So I took control of the situation and practiced prevention.....by getting a new number. No one will have access to this number unless I give it to them.
My AH had told my daughter on Wed that he would come see her on Thurs. Well, not only did he NOT come over, he didn't even bother to call. Why? Hmm, well b/c he was off "playing chess" until 3:00 AM. At least that was the bogus excuse he gave his mom. And she of course knows better but accepts it b/c "relapses are going to happen". Load of dung in my book. You can only relapse if you are clean in the 1st place. If you are still doing drugs and go and do it again, it is not a relapse. It is simply just still doing drugs. At least that is the way I look at it. And I told her that too. I don't think she much appreciated it or agreed with it. But oh well. She is his enabler now, not me.
One positive for today - it is Friday!! And my kids are doing a 4 hour camp at karate from 8-midnight tonight. So I get to have an evening all to myself tonight. I am renting a movie, eating a pint of Ben & Jerry's Chocolate Fudge Brownie Ice Cream and vegging on the couch for a while. I cannot wait.
Ben & Jerry's NY super fudge chunk...ummmmm give me one big spoon and the remote LOL
I hate crappy days, that was my Wed. only after losing my Cell phone and driving 30 miles to an appointment only to have them say they needed to reschedule because their equipment was down I said I needed a Star Buck's coffee ASAP -- their machines better not be down LOL
Thank HP they weren't, so I sat in the AC drinking my coffee and the kids with their Icee's and said I'm not going to keep "trying" today. I'm just going to live this day. And all of a sudden it got so much better -- the kids were funnier, the weather didn't get any cooler but it did get more bearable and ya know what ? I actually laughed.
I do believe there are days where what we need to do really must wait -- where taking a break from the "have to's" is the kindest thing we can do for ourselves. I hope your evening is perfect.... don't answer that phone
I have bills up the gazoo so I sympathise. I am so so so grateful to be at a place where I am going to be able to pay something next month.
I appreciate how frustrating this all is. The A has no idea how shamed and upset I am over some of the debts. He thinks in terms of fantasy. The reality for me is at least 5 years of debt and that is really contingent on getting the A out of my life. If I continue to deal with him I'll certainly be bankrupt.
Hang in there, it will get better. As far as the collection agency calling, I saw the Susie Orman show the other day and she said that the collection agency has no right to call you and to tell them you will sue them if you call again. Worth a try,,good luck.
Yes, collection agencies are treading on thin ice when they do this, no one has the right to leave nasty messages on your machine. A friend of mine had a situation like this and the collection agency got into big trouble. In Ireland there is a protection of data consumer act and no one can abuse that. Let them call but you leave a message too, calmly tell them you are contacting the relevant government agency to seek further advice on this type of harrassment and that indeed they can be shut down and put out of business. Personally I think the calls might lessen. Also if you feel unsafe log a complaint with the police, my friend got a letter telling her they were going to call to see her if you know what I mean and was freaking out over it. Take care of yourself.
Man, QOD, I'll tell you what, if I ever need to collect money from someone, I'm hiring that agency to do it for me. Damn, they just don't quit, do they? Is this the only debt they're trying to collect, or what? I would really think about looking into some kind of harrassment charge if this continues, as well as saving the messages they leave on your machine. Hopefully, changing the number will stop them. Sending good thoughts your way, and as a diabetic, I hope you enjoyed your Ben & Jerry's. We diabetics tend to live vicariously when it comes to dessert! Take care, Marion
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Vocatus atque non vocatus, Deus aderit ("Bidden or not bidden, God is present") - Erasmus
