Car repossessed. :eek: :thepain2::cry:

Sorry LJ. I fucked up big time. I've been juggling all my bills since losing my job. I thought that particular ball was still up in the air. When I called they said they have to keep it since I'm unemployed and haven't communicated well with them.

:cry:

Sorry UT. I've been through that when I was underemployed....but when I gave the car back and they screwed me anyway. garnishment..... on my rinky retail job and my teaching assitant job...then I got this job and did a chapter 7. Had I known about chapter 11 I would have made those loan sharks take their money. Of which I had money just two weeks late.


This new car I bought from some good guys. He said he liked me and never worked harder at securing a car for a person and I had a really good job. I guess that's because my shoes didn't have holes in them. I was sitting with the other 'special loans' people so it's true.

so do not dispair. Things will turn around.


Anyway, I was going to say.....I know there was a thread about this but I couldn't find it.

I use my debit at gas stations. Once a month the charge will drop from my account. I always check my account balance online. I've bought a car so my balance has been low so what do you know? The charge will reappear once I have used the money and I am charged with a 35 dollar overdraft.

THEN I was charged with a continuous od charge of 5 dollars.

I called customer service and said I have only had one other overdraft since October for the very same reason due to the charge at the gas station or the bank dropping the charge. Of course this is my fault for not knowing I have a charge coming through that dosn't show up on my online usage list.

I told the guy I am not intentionally going out and making overdrafts...if he can notice it has been twice and only due to the gas station charges dropping and reappearing once my account is low. This is one day before payday. I said why the 5 dollar charge? He said it means I have left my account overdrawn too long. I said $1 and 18 cents for 24 hours? Yes he says. He sighs. He probably gets alot of complaints like this but it isn't right for banks to drop charges and then resubmit them. I bought gas on the 24th. It looked like it was processed. I bought a coffee on the 24th then on Friday and Saturday my account was ok then yesterday ,Monday I am overdrawn by a dollar and 18 cents. I am annoyed by the way banks earn their money by overdrafting yet make you feel as though you are not a good consumer to take advantage of banking institutions or at least that's the way I feel.

I am trying to beef up my economic standing and those dropped charges don't help much. From now on I'll pay the gas stations in cash.

sky---that has happened to me, too. They post and deduct the charge and then DROP it, THEN later, when there's no money, resubmit it. I don't understand this at all---but, of course, it's all about money. Banks are so sneaky and hateful. I go to a credit union now, but they've done the same thing---post it as paid charge, drop it, then repost it. very annoying.

UT--I'm so sorry about the whole car thing. Things are really sucking pretty bad. :(

Thanks bri- my misery loves company.


UT if respect and caring were money you'd be a pretty rich man here. :grouphug:

Holy shit UT! Now you don't have a car either. This must be catching like a bad flu.

Damn dammy!! I am going to shake my head. Then I'm going to shake it until life starts to make sense again. This could be awhile. *shakes head*

What Phenomenal horse-pucky.

Damn UT - that really suxorz!

UT, I recall you saying you moved to where you are because of your job...any way you can move back toward Center City? You don't need a car around here.

UT, that sucks. Sorry to hear things have been so close to the edge for you, man.

No, it's my fault. I can't believe how stupid I was about it. I could have juggled just a little differently. I thought I was juggling just fine -- thought I was getting good at it actually, and then the ball hits me square in the face.

I moved here in 1993. The house is now a sort of nightmare albatross. I can't get a loan from the equity I have in it, because my credit is now, well, I think my rating is into negative numbers. I can't afford to pay for the house even with J, because I don't make enough in unemployment. I get family loans/gifts to pay the mortgage. But I can't move, because A) now four people are dependent on it, B) it would be a terrible time to sell because of the market, C) it would be a terrible time to sell because it needs about $25K in repairs.

So the best recourse is to continue to job hunt and hopefully get a good job and get back on track.

Oh shit UT.
I know it means more to be carless in the US, so you have my complete and sincere sympathy.

Nothing I can say except that I understand how these things happen and you know that people come back from worse - I'm confident you will.
And for goodness sake take any help you are offered from people here who are able to offer more than words like me.
You're a good and decent man and although in the wider world that means nothing, it means a hell of a lot here.

Yeah, half the art of juggling is a steady line of banter. It gives the audience the feeling that you are relaxed and confident which is contagious.
The bright spot is with so many people in a bind now, in the future any blemishes on your credit rating will be forgiven more readily.

You're right though, getting a job looks like a better prospect than hitting the lottery, or finding a cure for cancer in the kitchen sink. This is another bump in the road. Your woman loves you, your dog loves you, we love you, you'll be ok. :thumb:

Sorry, UT. What's ironic, about the car thing, is that technically there is hardly ever something you actually need to physically go in to an office for; maybe to reboot a server or something. Regarding the being stuck in a house that needs thousand$ in repair, yeah. I know what that feels like. Hope you find something soon, horse dogg maniac.

Spot on. You'll grind it out brother.

I am sorry, UT. What a blister! But, don't be too upset with yourself over it. You have had a lot to juggle, lately, and there are only so many balls that can stay in the air at a time...be proud that you are able to keep some of them up.

There is always a way. we have been in bad bad credit situations and still been able to buy a car, one way or another. I am sure a solution will present itself. Chin up, friend.

Wow, that sucks UT. You have my sympathies. Hope you get mobile again soon.

Well. I did a sreach of pets and came here. Dotty tore off a claw today
Someone, need's To The art of search
I give up bb

http://www.vetinfo4dogs.com/dfoot.html#Torn%20toenail

I used the search terms: dog nail bleeding

Stomach flu.

Severe projectile vomiting and projectile diarrhea at the same time.

Never quite experienced this level of severity of those symptoms before.

The most horrible cleanup job at 3 am, ever.

I would not go in there yet. It still needs 24 hours and a program of bleach.

Well sheesh UT...do you plan to get a break sometime soon? (Shakes fist at air "leave him alonnnneee, you meanie gods."

Hope you feel better soon. :comfort:

I'm going to burn a New Years wish for UT tonight, too. He just stepped over the line. I'm doing it. :)

um... yuck

Here this is funny. Not sure if anyone saw it the first time I posted it: maybe it will make you feel better. Now laff damn it!! Lafff! ;)

I am better today but I had to put one of my big Rhodesians asleep 2 days ago. He was my best buddy of 8 years. It was one of the hardest things I have ever had to do. I really owed it to him. He developed acute CHF and was in failure. Friday to Monday he suffered. I woke up and knew what had to be done. There was no doubt and no choice. I cried like a baby at the time but it was a peaceful end for him. It is the part of dog ownership that is the hardest.

I'm sorry, merc. My heart goes out to you. :(

Oh Merc. That's so sad. How are the others coping?

It has been very tough on them. His brother knew something was wrong. Usually when one goes to the vet the other cries the whole time. This time not a whimper. His bro followed him around just keeping close during the weekend sensing something was very wrong. When I took him up and carried him to my truck, 110 pounds, he didn't even try to follow. It was heart breaking.

Ok I'm going to cry. Don't doo iit...don't do iiit...not gonna do it. I'm just not? That just makes me f'ing sad.

Ok I did. I cried.

I am sorry for your loss Merc. uugh. That hurtz.

So sorry Merc. It's such a hard decision to make. Hugs to you and yours.

And Pilau sends doggy love to the rest of the pack.

*hugs* sorry merc.

i thank you!

lol
 

Ut I'm bummin' about your [really cool]car and your being sick.
Merc, my condolences, good job being there for him though.

Imodium AD. Best OTC medication available. I'm thinking of taking it every day and just having one massive dump per week. How convenient that would be, as opposed to now which is one BR/WC visit per 15 minutes.

I got some amazing medication when I was in Spain. Seemed to be heavy on the opium derivative at least - it bunged me up like a cork and gave me the super-freakiest dreams I've ever had. And me being me, that's super-freaky.

Funny - I have a contraceptive implant for an equivilant reason that you're suggesting taking an anti-diuretic. There's no sperm to fertilise me, but I get it free and don't have to buy tampons/ towels. Saves me a fortune over 3 years. But if you have to buy Immodium, what would the trade-off be in the cost of TP?

Wait - you gave me an idea there. If I just put a tampon up my ass, would that solve things?

I'll replace it every hour.

:vomit:

When I was 17, someone shut my finger in a door jamb - they were "jokingly" trying to stop me coming into the room without realising I had my finger on the other side of the door.

POURED blood. All over his parents' carpet. Only time I've been glad to make a mess in my life I think.

I was driven to A&E by the least inebriated partier. It certainly wouldn't have been me - even if I'd had a licence. I was wearing a lace bra top and cami knickers - bless the eighties!

The nasty piece of work concerned came with us. Good. He was more worried about the amount of blood I was producing than the state of his parents' carpet - good. Served him right to get a scare. I bled through two tea-towels and he was much nicer to me after this event. (hold a grudge? Me? After 19 years? Well...)

Anyway, the point of this is that after X-ray (the top of my finger was broken), the nurse in A&E wrapped my finger in cotton wool before advising me to go to my GP in one weeks time and not take the bandage off in between.

When it finally came off, it had to be soaked in water with TCP, and each strand of cotton wool removed by tweezers, while I tried not to cry. The remaining nail had punctured the skin underneath, so it was a bleeding wound at the time it was bandaged.

The reason for this post?
UT - I envisage a similar situation if you use internal protection for a reason not specified on the packaging.
My Mum had to help me out in the end. I hope for KatKeeper's sake she does not end up in a similar position for you.

Beyond that, it wouldn't work anyway. There are no muscles forcefully expelling menstrual blood like you have with poop. A little wad of cotton would just come right back out with all the rest of it.

You really don't want to get that backed up, despite the apparently attractive convenience factor.

Right now I have to go to the pot and sit every time I FART, just in case.

tampon and duct tape

How about one of those things the astronauts wear?

an "I poop at zero G" iron-on patch?

No, one of these:

http://www.nasa.gov/images/content/1...back%20LES.jpg

... a bailing pump.

No whistle?

jesus, man. Wtf? No whistle? What kind of an emergency kit doesn't have a whistle? ...

oh hang on...doesn't need the whistle. Has tracking system.

A friend's dad had a seizure just after Christmas. Testing has revealed there are lesions in his frontal lobes that are likely cancer.

That is awful. Is it operable?

Sorry to hear that wolf, prayers to those involved.

That's awful, Wolf. Must be a nightmare for your friend.

Makes my little moan seem tiny. I have a cold. Yep. A cold. I'm bored with it now. The whole croaky lost voice thing was a novelty and going dizzy every time I stand up is interesting, but really, I'd like it all to fuck off now so I can concentrate on some work...

I know, it's pathetic. I'm being a sad little attention whore because I'm feeling poorly. My throat hurts like fuck every time I cough. And yet somehow this does not lead me to the obvious choice of not smoking...addiction, go figure. Oh and my eye sockets hurt. And cheekbones. And neck and chest and ribs.

I don't think it'd be making me so miz if it hadn't had a three week lead in...

On the plus side of course it's kept me from some of the more unhealthy excesses of Christmas. Yes, I've pigged, but nowhere near the amount I usually do. I haven't drank anywhere near what I normally drink either, so no bad thing.

To balance that out is the rather unexpected news that i have survived Christmas more or less intact and without crippling my finances.* Yey.


* 'Finances' seems a rather grand term for a few incoming cheques and the overdraft they feed.

Just the whole world. I haven't felt this sad for a long time, and I don't even know why I'm sad for sure.

Silly, I guess.

Actually, I'm stupid. Stupid stupid stupid. Seriously stupid.

Hugs. I know...

It isn't stupid, sometimes it's actually a reality we all face....Then we get over it.

Maybe I'll learn before I'm 50.

Trust No One.
--The X-files

Welcome to my world (Crohn's disease).

Word to the wise -- don't guess wrong.

Our company is switching from twice-a-month paychecks to every-two-weeks paychecks this month. Which means of course that our paychecks will be smaller, and we will get less money per month until 3-paycheck July.

What really sucks is, we found out today that our first paycheck next week will be even smaller, because it will be for less days. Still not sure how that works out, and I'm too depressed right now to figure it out. They're going to advance me some to make up part of the difference, but then that has to be taken out of my next few checks until it's paid off. It was tight before as it was, but now...damn it all.

I am so sick and tired of being a broke-ass mofo...even if we are doing better than we were a year ago. We need to do moar better. :mad:

It ends up being the same money over the same time doesn't it? The checks will be smaller but more often.

Having worked under both systems, my personal preference was always bi-weekly. Having a paycheck every other Friday was awesome for working my budget and bills. The 1st and 15th didn't matter anymore.

Yes, but the switch from one to the other can be rough. Your expenses are still monthly--so until you get to the first "three paycheck" month, you'll be working with no buffer. If you make $50,000 a year, that translates to about $160 less per paycheck, i.e. $320 less per month until the magical extra paycheck comes in. If you have decent self-control and budgeting skills, you can then make that extra paycheck last until the next three-paycheck month, but not everyone has that. Most people just learn to live on the lower amount and treat the two extra paychecks as bonuses. I used to work for a company that did bi-weekly paychecks, and it was a huge pain in the ass.

I spent all day yesterday stressing myself out over my recent news to the point that I've exhausted myself. I knew I had when I started thinking about bed before 7pm yesterday.

Dazza seemed grumpy after dinner so I asked him what was wrong and he said he wanted me to stop stressing because it's upsetting everyone and it's making me ill. He told me I didn't realize how bad I was even and that I shouldn't be worrying so much even though he understood why and felt the same way in a man kind of way.

Today I am going to try and be more positive. All this negativity is definitely not working for me.

It's hard sometimes to get rid of irrational fears and worry. You know intellectually that it's almost certainly not a problem, right?