Good News-Bad News.

Well-first off as suspected, the Salvation Army turned us down for the assistance with oil. They said, as suspected, my income was too high. Dave lost it and teared up and said, yes she make ok money, but she is supporting the house, the car, the oil, the land taxes, the electricity, the food ect while I am off work sick, and nobody seems to want to look at the big picture here, which is that all of these costs run way over her monthly income and our oil tank is empty. I guess the girl took sympathy on him and put in a personal request to have the application revised based on extenuating circumstances and she somehow got us approved for 300 litres of oil. 300 litres should be just under half a tank which is perfect for another couple of months. She is our Salvation Army angel and we will be sending her a very nice thank you note for her good heart. Good to know these people do still exist.

As for the TD Visa Balance protection, all I can say is read your small print. This is an american company, so I think the same small print applies for all Visa balance protection. When they say they will make your minimum payment they don’t mean the one on your bill. They mean your minumum payment before any retail service fee’s you might not know about that are calculated into your montly balance as well any interest fee’s or the amount you pay for the balance protection, they don’t pay for any of that stuff. So, Dave montly payment is $80 on his visa, they will pay $25.00. The rest falls on him cause it’s interests or fee’s of some sort. So basically when he is off work with no income or limited income he still, with the balance protection, is expected to pay $55.00 a month on his visa and they cover $25.00. I fucking hate small print and had no idea this was such bullshit. I highly recommend cancelling your policy if you have one and putting the money you would be paying for it into a savings account to use to cover your bills when you are off work. At least you know exactly how much you will have, none of this small print crap. It feel’s so very dishonest the way they promote this crap.

I swear, I hate big banks, I wish I could safely keep all my money under my mattress and pay for everything in cash. We make them rich, they treat us like imbeciles. They are the smart one’s here.

 

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About mommamaynard

“Life is like riding a bicycle. To keep your balance you must keep moving.” — Albert Einstein. When it feels like your world has been shattered, and you have reached rock bottom, you must make a choice: Stay where you are and fade away, or keep moving forward. Thankfully I chose to move forward and was blessed with the two most wonderful children after the death of my first in early labor. Things are looking up.

Posted on February 16, 2009, in Uncategorized and tagged , , , . Bookmark the permalink. 6 Comments.

  1. Credit Card companies are notorious for being sleezy like that!! I hate cc’s!!
    I’ve been trying to get my DH to get ours paid OFF and cancel them, and just save and buy things with CASH…if we don’t have cash, we don’t NEED it…because honestly, at this point, there’s not alot we NEED besides food, and living expenses—-and they say to NEVER charge those on a cc.
    ugh.
    so sorry.
    But how sweet that the gal a SA did that for you!!
    awesome!
    here’s praying it gets you thru the winter!!
    HUGS!!!
    Also—I’m new to your journal–so could you briefly lmk what happened to your hubby?? did he get hurt or sick??
    HUGS on that too!!
    Must be tough!!!!!

    • Hey! Here read this http://mrsmaynard.livejournal.com/159104.html
      It explains it all. Amputation of digits ect…
      thanks for the well wishes, you are so right about paying in cash for everything.

      • oh my gosh!! how awful!!
        So they were able to reattach them all, except for ring finger??
        ugh.
        poor guy!!
        When my hubby and I were first married, a guy he worked with lost 3 fingers on his hand, in an accident at work…..hubby was with him when it happened too–ugh…..anyhoo—-so yah…
        I hope your man will make a good recovery!!
        HUGS!!

      • No, he has all three. They were not able to re-attach the tip from the first knuckle up of his index. his middle and ring were re-attached. Currently he cannot bend his middle finger on his own, he is going for physio to teach it to move that way again and he cannot do anything with his ring finger as it’s fused stiff, he had cut through his knuckle, so they need to put in a prosthetic knuckle for him soon in another surgery.

      • oh my goodness!!!
        sounds like a long road of recovery!!
        ugh.

  2. I’m glad you got approved for some oil. We have an oil heater too. I really wish they would switch it to gas though. Sorry about the Visa.

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