These shakes just won't go away...

[cassy_g]

Today's paycheck was once more NOT auto-deposited into our account. At least it arrived in the mail. Unfortunately, last week's check STILL isn't here. Yesterday they said they would cancel it and overnight one. Today they informed us that "corporate wouldn't approve it being overnighted so it will be there in a day or two". The husband took the day off to be here for the overnight package, which doesn't exist - WITHOUT PAY. Did I mention the bank also informed me that because we had bounced checks they were putting a 10 day hold on the deposit of the one check since it wasn't certified or auto-deposited?

He was far too polite with everyone over this that seem to be callous about whether or not our check was here on time. Massive fight ensued - the first time ever that I have raised my voice or yelled or screamed at/towards him EVER. He's apparently not speaking to me now.

I haven't paid the cell phone, and they were disinclined to give me "another week" to pay them. My car insurance check which was set up on auto-pay and couldn't be stopped in time is going to bounce, just add it to the long list of things that have so far. They are likely going to be cutting off other things next week, since you can only say, "please just one more week" so many times. I haven't bought my car tags which were due on the 12th, and the IRS decided that since I couldn't pay them today for my monthly installments that they would go up on my payments $150/month. I haven't bought groceries since last week before the check fiasco, and did I mention that check bounced? So, even if I were stupid enough to purposefully bounce a check (and I am most definately NOT), they wouldn't take it anyway. I have $14 to my name - and it's all going into the gas tank so that the husband can continue to go to a job that feels like paying people should be optional. I know it seems like we must live beyond our means, I assure we don't - but we DO live at our means. We like many other people, can not afford not to be paid on time.

I made myself go to Dragon*Con today to help with the phones because it was the last day of the $60 rate. It took me 2 hours to drive down there as I was alternating between wanting to scream, crying, and throwing up.

These shakes just won't go away...

Comments

[jollyroger13.livejournal.com]

Document EVERYTHING. Keep records. All bounced fees, cut offs, reconnect fees, everything.

At this point I'd consider suing the company for damages and payment of funds, fees, bounce charges, etc.

Talk to other employees and see if they are experiencing the same problem.

See if you can find an attorney who does pro bono work

Also, have you thought about taking this to the media?

[fey-touched.livejournal.com]

Wow. You have had a totally shitty day. I'd have totally lost my head in this situation. Especially with the IRS going up $150/month.

I have to agree with Selena on this one - document everything and consider bringing it to the media's attention (or threatening the company with doing that). I guess that ball is really more in David's court and it sounds like he isn't willing to raise a stink. But I this situation goes past the "chalk it up to experience" type deal. Your family is facing long-term ramifications of their little screw-up.

Many, many hugs to you. This situation totally sucks.

[nmissi.livejournal.com]

Oh, Honey. This is just awful. I've been in similiar situations and nothing sucks more. I wish I could help you, or had some advice for you. I don't. I can only reassure you that your credit score is not you, and you are still a good person, even if you've got a couple of bounced checks. I know that it feels bad, like everyone is thinking the worst of you- know that those people who truly know you are all that matter, not faceless strangers. And it will get sorted out, none of it is your fault, and some day soon, it will all be over.

[eugie.livejournal.com]

Oh, god, and I thought I had a crappy week! I'm so sorry you're having to go through all this. I totally agree with jollyroger13. This whole financial situation isn't your fault; you shouldn't be the one suffering the negative consequences.

[dire-epiphany.livejournal.com]

I have been keeping records of everything, they said if we would fax them the bounce fees on Friday they would process them. But as I explained to them, until we are paid they don't get the list - otherwise they will say "oh well we already paid for it".

I have started looking for an attorney, and will be calling a large number of them on Monday if the check still isn't here.

Yea, color me shocked, it wasn't in Saturday's mail. *note more dripping sarcasm*

Thanks for your support though, it helps some to know I have friends that care about me. *hugs*

[dire-epiphany.livejournal.com]

Yea, the IRS kind of freaked me out - but at least they aren't trying to do something drastic like foreclose on the house (which they could do if they wanted to).

You know - or at least Cat does - how David is. Getting him to stand up for himself is like pulling teeth. I made most of the phone calls on Friday, but most of them won't talk to me because I am not him. So I would call and talk to them until they wouldn't talk to me any more and hand the phone to David.

Also, I could chalk it up to experience, but I have been there, done that got the t-shirt on that one about 15 years ago. This is one of the things infuriating me about David not taking initiative.

In other news, he was apparently "not not talking to me, he wasn't talking to anyone at all". Well, the way I see it, when I am the only one around, it means you aren't talking to me.

Thank you though for all your support and concern, it means more to me than I can say. *hugs*

[dire-epiphany.livejournal.com]

Yea, that is actually part of my freaking out. We were just starting to get everything situated and back under control from a few years ago (filed bankruptcy, but I made 100% repayment of the things in the plan, not that it apparently matters on the credit, but it did to me). Anyway, I was just getting that under control, and then they slap me with this.

It's all so very irratating and upsetting. Thanks for reminding me that despite what the credit score says, I do repay my debts, and I do the best I can with what I have.

*hugs*

[dire-epiphany.livejournal.com]

It has been a very special week. It isn't fair that I have to deal with the ramnifications of all this, but it is still the way it is.

I have found that in general, most debt collectors, be they utilities, or otherwise, can be very understanding. Of course there are those that aren't, and I really want sometimes to be able to pull the plug on two weeks of paychecks for them and see how well they manage.

In any case, thanks so much for the support. I hope Hobkin gets better soon, since I know the fuzzit still isn't feeling well. Oh and if you need help with the network stuff just give us a call, maybe we can help sort out it's unruliness.

*hugs*

[dire-epiphany.livejournal.com]

I have definately had enough of this particular brand of BS - I would like very much to move on to something new.

No one has the right to blow up at anyone - I don't particularly feel good about the fact that stress pushed me to that point. Besides, I have known him a long, long time - it won't solve anything, it will just put him into a sulky mood where he'll do absolutely nothing for a while.

Thanks though for the support. *hugs*

[dire-epiphany.livejournal.com]

Yes, he's on Monday's call list if the check doesn't come.

Thanks for the link though! *hugs*

[jollyroger13.livejournal.com]

What bullshit. I am so sorry you are dealing with this. It pisses me off just to hear about it.

And assuming they will correct the problem for now, I wonder what assurances they will have to prevent it for the future?

Good for you to find an attorney. Keep us posted!

hugs!!!