Tag: finance

I don’t remember why – the guilt of my dissociative episodes

It is scary sorting through piles of possessions I do not remember buying.

As part of my recovery work I’m allocating time to take care of my home, household related tasks (bills, organisation, housework etc), in order to take responsibility for living an ordered life, to not get into trouble or overwhelmed with unpaid bills and tasks ignored until they become insurmountable, and to make a safe calm and even beautiful home. I had no home for many years, moving from room to room, moves often prompted by my mounting distress. When I was blessed to find this place, it took a long time to feel at all safe or dare to believe in any stability. Then gradually, it became an escape, flight not by constantly moving around but by means of a protective enclosure. Which is good in some ways and something I still need when things are too much, which is frequent, but now it is time for my home to be more than that; even a place and a life that supports my health.

Part of this is continuing what I’ve been trying to do for some time, which is clearing through accumulated items and clutter and organising the things I decide I do need. I’ve been working on this for some weeks or months on and off, tackling different areas. I’ve acknowledged for several months in therapy and with my support worker how I bought and accumulated items as a desperate attempt at escape, distraction and protection. I acknowledge how out of control my spending used to be and too often still is and how impulsively I buy things when in my dissociative episodes, apparently driven by some desperate need at the time that leaves me sick at myself and painfully empty afterwards when my consciousness returns, a massive blank missing in my memory and emotion, but the fallout of my actions apparent – money spent, arguments had, horrific things said, tablets taken, sometimes alcohol drunk and most of all items bought (usually clothes, makeup, accessories, things I’d never buy for myself “normally” or rationally). I hate myself then, most of all for the money spent on myself and the hurt I’ve caused other people.

I’m coming face to face with all this as I’m clearing through hoarded possessions. Much as I’ve been aware of and fighting these problems for months, it’s still very scary finding things I don’t remember purchasing and don’t know why I have. Perhaps it’s even scarier because I don’t really know why I do this when I’m dissociated. Why? Why do I buy things? Why do I become what the evidence means I am in these times – selfish, irrational, irresponsible, needy, childish, bad? What else am I doing in these times? The violent emotion that takes over and hurts people around me, but still I can’t control it – who am I and where is it leading? Why do I behave in ways I can’t remember, that people close to me say are terrible?

I’m scared. I want to take responsibility. I’m trying to carry on gradually sorting out my home. It occurs to me whether looking at items I bought in these dissociative states where there are huge memory gaps, will help me connect at all with what I was doing and who I was at these times. I don’t know.

Ginny xxx

Only sometimes – on uncertainty and friendships

I don’t think I cope well with “sometimes”.

In general, I don’t cope well with lots of uncertainties, or at least, not the same as other people do. It can be to do with situations and actions, like places I don’t know, or not being sure when I can leave a situation if I need to, or competing demands that mean I can’t give everything or everyone 100%, that can be scary. It can be when I’m trying to plan or decide something. So many different possibilities crowd my head and swim round, pulling me down til I can’t breathe and have to just stop because it’s too much to cope with. People on the outside of this see it as me being lazy or lacking any drive when inside I’m fighting the drowning. Above all it can be interpersonal yet related to what I am (where ultimately I can never ever be certain so always fear) , if people misunderstand me, if people perceive me or my actions very differently from what is going on inside me; worst of all the times I start to doubt my motivations, or intentions, what is most deeply in me really after all – the times I can never be certain enough that I’m not evil if I don’t punish and hurt myself, because the voice of my abuser always seems stronger and truer…

Other uncertainties don’t seem to bother me as much as other people suggest they should. I don’t know, for instance, what my work situation will be in a year, or 5 years. I don’t have a career plan set out. I have quite a lot of instability in this area, largely because of my current physical health. People have told me that it is wrong for someone of my age not to have ambition; that I’m irresponsible and spoiled; or the phrase that irritates me so immensely at the moment, that I have to be “moving forwards”. These uncertainties actually don’t seem to bother me as much as they bother other people. I do not want to be a burden, or unable to take responsibility for myself. I strongly want to be able to give. Beyond that, I don’t seem to have the plan that seems to be expected. Perhaps it’s because I have to take things a day or an hour at a time. It’s the only way to deal with the experiences and emotions I have right now and I have seen by God’s grace it can actually be a fruitful way; maybe the only fruitful way just now in my circumstances. Perhaps it’s because for so long I was numbed to what I was experiencing and feeling, and/or in the isolated world of my abuser’s creation and under her control, that I need to take things this way now. Perhaps it’s because seeing beyond this day or this hour really can be too much and too scary on the worst days, even inconceivable when everything is that much too raw (though, mercifully, these times have not been so intense recently). Perhaps it’s because I am encouraged by Our Lord’s assurance that it is not the grandeur and status of what we do but the love with which we do each and every deed that matters.

Where it comes to friendships, I really struggle with uncertainties and “sometimes”. It’s really important to me to be there for the other person. If I don’t hear from them, I worry a lot. I don’t form relationships easily and don’t let many people in. The people I do, I become attached to deeply. Certain people, occasionally, I come to care for deeply very quickly and trust them deeply, maybe too much too fast. Once I care for someone, I really want to support them, and I also really need them. It’s not needing them to do things for me constantly. I do not want to make demands. That’s actually something I feel very guilty if I do. It’s just – needing them. I need them there. I need to be there for them. I need things to be shared between us.

Because of this, I particularly struggle in relationships where  we are only in touch sometimes, only see each other sometimes. I see this is much more of a problem for me than other people. It’s as if I can’t cope with a relationship with gaps and breaks in the sharing. At the moment, I’m very upset over a relationship with a close – well, we used to be close, anyway – friend. We live in the same town but now see each other a handful of times a year if that. I saw her at the funeral last week but the last time we’d actually met before that was Easter. We text sporadically and email even less. From her point of view according to what she’s told me, nothing has changed between us, she still cares about me and it’s just a normal part of life and getting older that you no longer see friends often, she is busy with her family, Church, groups, volunteer work and other commitments and she just doesn’t have time to meet especially as my health means I can’t easily get out, and when we do meet however rare it is our friendship is the same. For me, everything has changed and our loss of contact is a huge hurt. There is a void for me because we no longer communicate to share what is happening in our lives. For me you cannot share across texts or emails what you can face to face. It’s just impossible to say a lot of the most painful things. It’s upsetting when I do share something upsetting, important or personal and there is just no response.

It would be a bit different if we had moved a long way away from each other and we had therefore built our relationship on sharing things in writing. The way it is, it feels like a loss. I don’t like to admit to it but it does feel that I’ve been rejected. It feels as if I’m trying all I can to be there, but she does not want me or need me and I do not fit in her life. It hurts more because it’s a time I am already feeling isolated, raw and need not to be alone. But there’s more to it than that. I risk acting as though I think she has an obligation to me or think she has to be doing things to help me. She really doesn’t and that’s not what I want.

I can’t cope with contact and sharing being only sometimes. With such absence and silence between times, the relationship is by no means the same to me. It almost hurts all the more when the other person then acts as though nothing has happened and the absence was unimportant or non-existent. This comes up again and again in relationships. Then I get told I’m too much, or that I need too much or expect too much from friends, that they are not my family and that they just can’t make that kind of commitment. I end up hurting even more than if the relationship had gone completely and I’ve probably ruined a lot of relationships because of it. Either I can’t take the pain or they can’t stand me and contact ceases totally.

Does anyone else find these “sometimes” relationships difficult? Do you maintain friendships where the contact you have is few and far between? If so does that change the friendship for you? Do others need people as I do? Need things to be shared?

Ginny xxx

 

 

Constant anticipation of the next error – and consequential disaster: Part #1

I try hard to look for good things to appreciate. I’m trying to counteract my anxiety and overwhelming emotions by looking for the positive, hopeful things that can come from a situation. (It’s something of a DBT technique which I’ll elaborate on in another post.) I’m told I’m not yet very good at finding positive things about myself. I think gradually I’m getting better at seeing positive things in the outside world.

However in some areas it’s hard not to not only feel overwhelmed by both emotions and external negative events and also to expect them.

Benefits is a case in point right now and it has been for years, every single time I’ve needed to claim a Benefit when I haven’t been able to work / haven’t been able to work full time, because of my health.

Today, I received a letter from the Tax Credit Office about an error made in my tax credits earlier this year, when I was working at the department store. I was aware of that mistake. They had incorrectly recorded the income figures I had given them and given me only partial information about eligibility. Consequently they paid me tax credits I wasn’t entitled to. The letter I received today was rather confusing but essentially confirmed that. So far, that wasn’t too bad – I will have to pay back the overpaid money when they ask for it but I already knew that.

Next, I opened two letters from the Housing Benefit Department. The first contained two award notices both almost the same but with completely confusing dates, entitlement and income figures. What’s that about, I wondered. One of them was marked “change in personal circumstances”. What change in circumstances? I haven’t had a change recently. I opened the second letter from Housing Benefits, with a certain sense of foreboding!

Yup, disaster again. The letter told me that the Housing Benefit Department had been informed by the tax office that I am in receipt of working tax credit, therefore I am working and my housing benefit has been suspended until I give them details of my new job and current income.

Oh my days. I assume they have received a copy of the letter I got from Tax Credits. If they took time to actually read the letter, they would have seen it was saying that I am not entitled to tax credits. If they had looked at the dates in the letter (not to mention previous documentation I’ve supplied them and previous discussions I’ve had with them about my receipt of tax credits) they would have seen that it referred to a period earlier this year, not to now. They also know that I am not working – I have given them proof that I am currently in receipt of Employment Support Allowance because I am not working because of my health.

So, my housing benefit has been stopped. I will have to contact my landlord on Monday to explain why the benefits payments have stopped. I will have to contact Housing Benefits and try to prove to them that I am not working. This will probably involve chasing around the tax office and the other oxus involved in my employment support allowance. I have to make a written statement and gather together copy documents from my employment support allowance claim and tax credits. Quite probably I will have to take this in to the housing office, queue for a long time to see someone, which physically I cannot cope with at the moment as I can walk so little. My anxiety has skyrocketed because of the financial problems this suspension in my housing benefit will cause. Worse, from my past experience, once one benefit gets stopped, all the other benefits get stopped too. I am anticipating that I’ll be contacted by the employment support allowance office next week saying they’ve received information I’m working so my benefit has been stopped. Then I’ll have nothing coming in.

This may sound like an exaggeration but it has happened to me and to friends of mine before. And it could all so, so easily have been avoided. How easily the housing benefit office could have seen that the correspondence referred to months ago. How easily they could have checked with the tax office to see if I was working. How easily they could have made a quick phonecall to me or my support worker, if something wasn’t clear or they needed a particular piece of evidence. Wouldn’t this have cost them less, as well as me? The situation would have been resolved in minutes. Instead they have sent out a letter, required a statement, someone has to take copies of this, take copies of documentation, probably see me for an appointment, restart everything, set up payments to my landlord again (God willing!). Even without counting the cost and distress and anxiety caused to me, it is a hive waste of resources and confusion for nothing.

Since I first had to claim Benefits in something like January 2015, I reckon I have been paid the correct amount I was entitled to for a maximum of one month at a time, before the next error or mess-up has occurred and at least one of my Benefits has been cut, stopped or refused incorrectly – and completely avoidably. Last year when I rented as a lodger in a private landlord’s family home, this array of errors left me so very close to being on the street; if it were not for an extremely generous friend who paid my rent one month, I would have been out with nowhere to go. It is hugely fortunate that I now live in a housing association flat where I will not be thrown out immediately if there is a problem with my housing benefit. It is hugely fortunate I have the expertise of my support worker who will help me get this resolved as fast as possible and stop me going to pieces in the meantime. Most people don’t have those two blessings.

I don’t want to complain and whinge and expect money for nothing. I don’t think I deserve other people’s constant support. I could very well have nothing. I need to try to become independent and able to support myself. Support doesn’t come for nothing and I should expect to take responsibility, not have everything handed to me.

I think one thing that makes it so hard is when you have been through every process as well as you can, given all the information asked of you, taken all the steps you can, and despite this everything still crumbles. My experiences over the years tell me as soon as there’s any stability, it gets taken away again through error or miscommunication, despite all your best efforts. And the error seems to have an effect like tumbling dominoes on all the other areas of your life there is any stability. Losing stability has immediate big consequences when you have very little to live on. It also drains all your energy, time and emotional resources, which go into trying to correct the error before disaster point (losing your home, no money for food, etc) rather than leaving you any strength to recover, contribute something to your community in your day to day life, benefit from opportunities that might make your situation better (and even maybe less dependent on social and state support, not that needing it is a bad thing). When you are constantly using all your resources fighting the next mistake and next disaster, trying to ensure that you have the basics you need to get by, in a state of anticipation of the next disaster so you can try to minimise or allow for its impact; when you feel as if you’re being knocked back, kept vulnerable, denied any security, despite your hardest work to set things right; then there is no way you can do more than just get by, in a constant state of strain.

So, I’m wondering what I can change. It seems I cannot change the fact that mistakes constantly occur, despite me trying my hardest to do the best I can for my part and to take steps to pre-empt the problems. I don’t want to feel so spent, trapped, angry, vulnerable and at risk as I do at the moment as a result of the repeated cycle of mistakes.

So, what can I change?

[Part 2 to follow, not that I have any answers yet! Thoughts are most greatly welcome, as ever.]

Ginny xxx

 

Managing money with Borderline Personality Disorder

I am bad with money. I panic about it. I’ll panic for days beside being able to sit down to look at my financial situation. Partly this is because it’s usually so dire and it’s a constant background stressor in my mind that sends me to extremes of distress when my thoughts are in the foreground and that I block out at other times. I even find myself dissociating from it. Additionally, there’s the fact that I find it hard to deal with figures and hold them in my head and follow steps through when I’m budgeting. I always did find dealing with numbers hard, even before I was particularly ill.

However, with help, for example from my lovely support worker or my very close friend L., I can list out all my money coming in and my expenses and I can draw up a budget based on that – even though the outcome for months has been that I don’t have enough to meet basic expenses. It may not be workable but I can at least get things down on paper.

It’s very hard for me to get to that stage but that’s not the biggest problem. The biggest problem is when it comes to spending. I have been very bad with money and very impulsive and out of control and I really want to change that. I must change that if I’m to stay out of debt and all the spiralling material and mental consequences.

Even if I have made a budget plan, when I’m most ill I do not stick to it. Best laid plans to waste, as the saying goes… When I dissociate, or flip, I am no longer in control. It’s my responsibility and I don’t want to deny that but I’m not mentally in control. I make decisions and act on impulses and spend money rashly. I act on a temporary conpulsion to buy things I’d never normally touch. Sometimes I know it’s temporarily squashing down the unbearable feelings. Sometimes I’m buying a different life. Sometimes I’m buying for one of my “others” or it’s the “other” wanting and needing it and making the decisions. Often I’m too far gone to have any awareness of what or why I’m doing it and afterwards I see what I’ve bought and have only a dim recollection of why and when i did it.

Afterwards, infallibly, I feel terrible: guilty, disgusted, that I’ve been selfish, greedy, confused, angry with myself, scared, an absolutely unbearable feeling I can’t describe. There’s dread there. There’s shame – a lot of shame. There’s panic. There’s something more. Yet I still do it. There’s always the next time I lose control and dissociate and spend again. I’d call it a kind of manic dissociation that leads me to spending (it leads me to impulsively angry and needy actions too), as opposed to the frozen and numb dissociation that accompanies self harm or the safe dissociation of slipping away from this world into the imaginary one in my head. The manic dissociation is probably the most socially dangerous.

I really want to break this. I can’t stop the dissociation and impulsivity yet but I’m trying to find ways to reduce its impact. It’s become very important right now because, having had problems for nearly a year with my disability-related Benefits, with my support worker’s help we have now resolved the problems and I am due to receive some back-payment of money I should have received some time ago. This is absolutely great for me because it means that I can pay off my arrears and make a stable budget going forward and it looks as if finally I will have enough to live on! I am so so so thankful for this. It also means that I have a lot more money than I usually do (even if only temporarily til I pay the arrears). This is scary because I know that I cannot be trusted with it.

I texted my support worker straight away about the back payment and he’s going to call me this afternoon so that we can make a plan, pay the arrears and make an appointment to look at my budget again now that I’ll have a bit more money coming in. I’m hoping we can come up with some things we can do so that, at the times I’m being impulsive and not in control, I can spot this quicker and ideally, my access to money could be strictly limited at these times. I’m not sure how we could achieve that but maybe he will have ideas.

I know that ultimately I need to get to the root of what’s causing the impulsivity and learn to take back control of my actions at those times and stop the dangerous behaviour. I’m hoping therapy is going to help me find this, though it worries me I’m so far through therapy and still I don’t think I’ve changed in this area. Until I can do that I need to try to stay safe and be as responsible as I can.

I’m interested to know, if you or someone you know has Borderline, or indeed any other mental health condition, does it affect how you / they feel about money and how you / they can manage it? Is it an area you feel vulnerable or find stressful? In all the years I worked at a hospital and in the various services I’ve been seen in, it isn’t talked about very much.

Just recently I saw a useful self-help booklet at the PD Service I’m seen in, on these kind of issues. I’ll share here the booklet here later today or tomorrow (I think there’s an online version). It was about the first publication about managing finances which I’ve come across targeted specifically for patients.

Ginny xxx

 

Ten dishes -#2

You can read about what the Ten Dishes Challenge is here.

Time for my second dish in the challenge (and second time I’ve managed to cook within a week) – pasta bolognese.

20160605_200508

I know this is a bit similar in content to the first dish, cottage pie (both based round minced beef and veg). However as I’m a single person on a very tight budget I need to cook in this way to avoid waste and keep costs down. I was able to use ingredients I had left over from making cottage pie to prepare this (mushrooms, carrot, tomato, beef stock cubes, tomato passata, etc) and I had the pasta already in the cupboard. I only had to spend £1.70 for the meat.

Dad came for the afternoon so this was our lunch. It fed the two of us and I still have two servings left over which will feed me tonight and tomorrow, so it has worked out significantly cheaper than buying a supermarket microwave pasta meal.

20160606_135016

Ginny xxx

Hitting when you’re already down…

I really don’t want to talk as if I think the state or the world owes me something. It owes me nothing. However it does hurt when it seems that the systems that are supposed to help you actually hit you down hardest when you most need help.  On its own it shouldn’t be a big thing but when it seems to be the norm it gets too much on top of being ill already.

Recently I claimed for tax credits (for readers from abroad or who otherwise don’t know, this is a small benefit paid to those who are working but on a low income, have children, or have disabilities).

I had first claimed in Spring last year and my claim was rejected before they had even gathered all the information needed. I was so ill at the time I just let it go. I claimed again since starting my new job in November, because I am working part time on a very low salary. The first step is to fill out a form online to request a claim form, then to wait up to 2 weeks to receive the actual claim form.

Monday, I received an email saying that I am already in receipt of tax credits and if I believe this is not true, call this (expensive) number. I called this number and asked to be called back as the call was so expensive for me since I had no landline (can’t afford more bills) so had to call from a mobile. They refused and said they have no facility in the building to make outgoing calls, which I found very hard to believe.

I explained that I am not in receipt of tax credits. I was told that I do have a tax credits award and the award is nil. Right, so I’m not in receipt of tax credits. Yes, you have a tax credits award and the award is nil. Sigh….this could go on for a while. .. eventually I persuaded them to take the details of my change in circumstances. Then the operator’s computer froze so he transferred me to another operator without explaining any of the background and I had to repeat the entire process again. By this time I’d been on the call for about 30 minutes.  They repeatedly asked the same questions and did not listen to my answers. I repeatedly told them I couldn’t afford this call and needed to be called back. I have a few pounds a day to live on and the call had taken just about all my food money for the week. The operator actually told me that because my phone bill does not arrive for a week or two they hadn’t cost me anything! At this point even I could not quite believe their determination to prove they had no responsibility for anything.

Then came to trying to claim for the disability element of tax credits.  I was told that I wasn’t entitled unless I was already in receipt of PIP. I knew this was wrong – that is only one of the qualifying conditions. Online and paper documentation I had when I made my claim made this clear. The operator refused to budge. I insisted to speak to a manager. 5 minutes on hold. …

The manager immediately contradicted what the previous operator had said. But still insisted they would not consider the disability element unless I was in receipt of PIP. I pointed out that he, his colleague, the online and paper documentation each said something totally different, so I needed to know which was the case. He threatened to terminate the call and told me I was making things very difficult.

I suspect I was making it very difficult for him to continue reading from his script without listening to what I was actually asking…. :/ 😦

Then I had to insist that he give me a straightforward answer – was it essential to be in receipt of PIP as he was saying, or was the written information around having a disability which puts you at a substantial disadvantage getting work, correct?  He refused to answer and put me on hold. When he came back on the line he read a lengthy script about the qualifying conditions which confirmed that all the information I’d been given up to that point was wrong. Had I not insisted to this point, I would have been assessed incorrectly for the benefit. I still believe I will be assessed incorrectly because when I tried to tell him the reasons I qualified for the disability element and to ask what proof they needed of this, he talked and shouted over me and forbade me to speak otherwise he would terminate the call. 

By the end of this process I had been on the phone 55 minutes to a cost to me of £25. I still had not been able to get an answer as to how to submit the documentation that would support my claim (and that would have supported the claim I had been rejected for last year, had I only been given the opportunity to provide it). I had been given different information about eligibility from each person I spoke to and from all the written information I had.

By the end of the call I was so distressed, panicked, angry, for seeing yet more financial problems …. this was the very last straw this week and I couldn’t cope anymore. I went home, cut and took a handful of pills, not enough to try to end it, though that was what I wanted at that time, but in order to make it stop and knock me out. All through the next day I didn’t leave the sofa and took more pills to sleep.

Stupid and childish not to be able to cope I know but there really comes a point you can’t go anymore and when you meet obstruction even where you should be able to get help you’re entitled to, sometimes you just crumble.

Ginny xx

 

We’re applying to evict you… Happy Christmas!

Since I lost / was forced to leave my secretarial job at the end of October, financially things have been terrible. Not only had I lost my income for the future, I lost expected income – I was paid only SSP for the time I had been signed off, rather than my wage, and was not told this until afterwards; I was not paid all the holiday pay I believe was due to me; I was given neither a notice period as specified in my contract, nor paid the notice period salary, so I was left without a month’s salary. In the end this left me down about £2,000.

I have taken steps against my former employer, reporting to them to the regulator for how I and several other colleagues were treated, however I have no hope of seeing this money. I can’t afford court proceedings and would have little hope to win.

I was very fortunate to find my current job at a department store but it is fewer hours (this is all I can now manage around my hospital appointments and with the state of my mental and physical health at the moment) and much lower pay. I thank the Lord that I have any job at all. It could have been much worse.

I have to apply for several benefits and the process takes weeks at best before any money comes through.

I had problems paying my rent in November, whilst I was waiting for my Housing and Council Tax benefit to be calculated and to receive any money. I was paid very little in November from my new job, because the finance department’s cut-off dates meant that though I had worked nearly a month, I received only one week’s pay. I phoned up the housing association from which I rent and told them about my situation and they were apparently very helpful. They agreed that whilst I was awaiting the Housing Benefit, I should just pay what I could.

I rang them several times and had several conversations with them, as did the council who needed to confirm some details for my benefit claim. Each time I spoke to them I asked to arrange a payment plan to deal with the arrears of rent and each time I was told that I couldn’t do this and should wait until the Housing Benefit had come through.

Then on 23rd December, I came home from work to find a letter from the housing association saying that they were applying to the Court for possession of my flat!! I would be evicted and would be liable for their Court fees.

This tipped me over the edge. It was absolutely more than I could cope with. By providence I was on the phone to a friend when I opened the letter. I still went completely to pieces and was literally about to take an overdose. If my friend had not talked to me for a long time I believe that I would have gone through with it. Thankfully after speaking on the phone to my friend at length, I was then absolutely overwhelmed with exhaustion and slept til the morning, which probably again saved me from doing anything.

The next day I phoned the housing association first thing. They told me that it was not a notice of eviction that I had received and that “it might be possible to avoid going to Court”!! Why would I be taken to Court, I asked. They claimed that I had not contacted them since the end of October. They claimed that I had not asked to make a payment plan. They said that it was my fault, when actually I had done everything that they told me to do. I had asked to make the payment plan and they had told me that I could not. If I had made a payment plan, this would not have happened, they said. So why did they tell me I could not make a payment plan, when I asked to do it? They claimed they did not know I had physical or mental health problems, when the reason I was housed with them was because of my health problems, when the tenancy support worker who helped me at the start of my tenancy had discussed them with them, when I had declared them on the forms I had to fill in at the start of my tenancy, and when I had discussed my situation in full on all the occasions I had phoned them since I lost my job (which they claimed to have no knowledge of).

I told them that the letter I had received – a day before Christmas, basically – had caused me so much distress that I had been about to take an overdose. “Oh dear,” they said….

Yes, oh dear! And a bit more.

After a long conversation they agreed to suspend action until mid January and I now have to write to them with all the dates I contacted them and what was arranged each time. And I will certainly be sending a letter of complaint.

How is it possible for them to claim they have no record or knowledge of any of the conversations I have had with them? How is it possible for them to claim they did not know my health problems? I will certainly conduct all future correspondence with them by letter sent by signed for delivery, so that they cannot deny I have made contact with them. How could they take no responsibility whatsoever for having not recorded any of the conversations I had with them, and not sharing information within their organisation? They lady I spoke to on Christmas Eve just said over and over, “well, I didn’t know any of this, you’ve never spoken to me”.

This really was almost more than I could cope with. I now feel that it’s a immediate possibility that I will lose my home.

I felt so angry once the first terror had passed. I had just got myself out of debt when I lost my job and now I am out of control and thrown straight back in again. I know it is only my responsibility to resolve it but I do not know how I can get out of this. Everything else mentally is worse because this constant anxiety is bubbling and rising in the background. I so needed my home to be safe for once. It’s like I’m not allowed to be safe and secure because as soon as something improves for a little while, it’s taken away and crashes again.

It’s too easy to resent when I feel like this. I need to be able to keep hoping, keep doing all I can to sort this out, apply for benefits, keep working, keep praying. God does not test us more than we can stand. But I don’t see that I can stand.

Ginny xx

 

Financial disaster again

Financial disaster again

Disaster is a strong word, I know, but it’s what it feels like right now. I know that many people have suffered and struggled with far more and I am fortunate that I do not have my own family to support – no partner, no children – it is only me, otherwise this would be hundreds of time worse.

I had to leave my last job for my health. I could no longer cope and I was getting daily bullying, harassment, intimidation, pressure, then was told I was completely useless anyway. I tried to make a choice to stop my health deteriorating further and to enable me to keep on going to my therapy sessions. I hoped it would be a choice for the positive. I was so so thankful when I was able to find another job quickly. Although it was much lower paid I could do part-time hours that I needed and I thought it would at least give me a chance. I was just starting to hope again.

Mistake.

Wrong again.

Why haven’t I learned my lesson by now?

I found out last night that instead of the nearly 1 month’s pay I was expecting next week, I will get just 1 week. They have some strange system for temps of pay being at least 2 weeks behind everyone else, and something I don’t understand about different cut-off dates according to when you start for when you get paid. Apparently you get the pay you’re missing at the end of the temp contract. I assume so that if you leave without giving notice they can withhold it.

Even my manager didn’t know about this and couldn’t believe it. I am very thankful and appreciative that she phoned payroll and tried to get things sorted out for me, or an advance. She really did much more than I would expect a manager too. It isn’t really her problem. But payroll flatly said there was nothing they could do.

So now I have the prospect of living on 1 week’s pay until the end of December, which evidently is impossible. Rent? Council tax? Electricity, gas and water bills? Food? Travelling to my hospital appointments? And let’s just pretend to forget that Christmas is coming up and I have nothing to give some of my family or my godchildren! It was already a total pardon-my-French mess because I was paid only Statutory Sick Pay when I was signed off in my old job, and wasn’t told this until after the event, so I didn’t know to claim Housing Benefit as soon as I should have done.

I had just climbed out of debt and now I will be straight back in again – overdraft? Applying for credit cards? I don’t know. That would be the best case scenario. I do not know how I’m going to live. I’m already eating rubbish because things are so desperate financially, trying to live on coffee and toast and whatever I can find in the pound store.

This really was the last straw last night and I was completely wrecked. It had been awful already before this. Just as soon as there was a tiny bit of hope it was smashed away again, like God and the world is saying, how dare you hope, how dare you think you can have anything good, you don’t deserve it, you’re dirt.

I was put through to a support line and there may perhaps be a possibility of a loan until next month, but if it were all to be paid back next month I have no idea whether it would help or just postpone the same situation happening again next month.

I was distressed at work (in private) after this was all dropped on me – none of it was explained before I started work and even my manager didn’t know. I know I’m fortunate to possibly be in a situation of getting help from my employer and not many people would have that assistance. But I just don’t know.

And the support service were helpful and did seem to appreciate some things when I explained my situation but they also said if you think you want to be kept on you will really have to prove yourself, perhaps they will forgive you this time for having a meltdown but if you ever let it happen again there are any number of people standing beside you, if you aren’t strong or if you have any time off your job will be taken away and given to the next person. This was the support team, not my manager, and they do not actually have any say on my performance or whether I have a job or not. I already thought and knew the things they said but it did make it even more painful and anxiety provoking to have it spelled out by another person who is there to provide support.

I wonder whether it’s worth going on. Is it just postponing ultimate complete disaster? I should be more thankful and hopeful but I’ve really run out of strength. I really needed something to hope in.

Ginny xx