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.