I have been corresponding with an old friend. We were friends in Florida and then we lost touch and found each other again about 3-4 years ago. I knew his whole family and when I got divorced and moved that is when we lost touch. Since then we have been corresponding with each other almost on a monthly basis.
Don't get your mind in the gutter with all this. My husband doesn't know really that much about him but he can and sometimes I read the letters that we send back and forth. There is no love with this friend, but much friendship. He is in prison now and is about to get out in less than a year now. The last letter that I sent to him was an update of what has been going on in my life since his last letter which was a few months ago. Life just happens too fast sometimes and I am sharing this letter with you so that you too can get a sense of just how fast life can get. I will give another update at the end of this letter.
Here it is:
I am sorry that this is so late. OMG things have been happening so fast and so
much has happened since my last letter to you.
I can’t get a breath in. Every
time that I thought about writing you something else would come up.
First off we were dealing with Wells Fargo about our
mortgage and all that. That took days to
fill out their forms and find everything for them. I know where our financial status is now, but
it was not smooth at all. They tried to
hurry us into sending all that paperwork in….like a day. Then when Dennis took it all to work with him
to fax it to their office, he went through all the paperwork and the things
that we had to add to that and removed the pay stubs that I had in the
pile. I got so mad at him and we could
not fax it to their office that day, the day that they wanted it. Then, the fax number they gave us did not
work, so they gave us another number and that too did not work. Then they gave us yet a third number and that
didn’t work wither. He brought all the
paperwork back home and I called HELLS FARGO to see if I could e-mail the
scanned documents……..found out their office was closed that Friday, when we
were trying to send stuff to them. Not
one person returned my call. All their
phones were down. I took a look at the
paperwork again and found that doing the loan modification would adversely
affect our credit….like our credit is good right now at all. So with all that, I decided to not go through
their plan at all. Talk about stress levels! This was just the beginning….or middle if you
count what happened with my mom and daughter’s that I will have little or no
contact with.
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| Duke and Charlie 2011 |
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| Duke 2015 |
….and then my neighbor across the street had to put his dog
down and so he asked us to bring Duke over to say his last goodbyes and be with
Brutis for his last hours. So as we were
over there, there is a set of steps that go up to a doggy door to his
porch. There is like 4 or five. Duke tries to go up them and doesn’t fall
down them, but falls off of them. Now he
couldn’t walk back home and I know that was time. That was a Saturday. Monday I had to call Duke’s Vet and tell them
that that I wanted to schedule him to be put down. Now they know that Duke will not get into the
car. I tried to get him in it a couple
of years ago and I got his front legs in and went to life his back behind in
and he pulled his front legs right out of the car. Well he rolled under the car….so getting him
into the car to go anywhere was not an option.
They told me that when I could get him in the car that they would do it
in their office. Well we didn’t want to
put him to sleep in someplace that was not home. So I asked the receptionist if she had
someone else that we could call and she gave us another Vet. He did make arrangements with me for that
Thursday afternoon. Dave, those were the
longest 4 days. I also had t make
arrangements with a pet crematory and they would pick him up and do the
cremation and then bring him back. When
the other vet came to our house, he was an older man and very nice and we
chatted for a feew until we all went inside to get Duke. We told him what our Vet said and he couldn’t
believe it. We will be switching our
other animals to him when we need another vet.
OK, now the financial part. Our
vet was going to charge us for that service and putting him down to the tune of
$500.00!!!. The vet that came out to put
Duke down at home only charged us $70.00 and the cremation was $201.40. That was money that was not in the budget,
but I had to find it somewhere.
Yay! My husband got a big check from his job that he is a Crisis
worker for. I got all the bills,
including the mortgage caught up and was even able to pay the property taxes
with……………… That was stressful for the
both of us as those property taxes were due in 2 days. So he had to go stand in line, a couple of
them, for hours so that we would not have a penalty on them. Well we found out that Hells Fargo finally
set up an escrow account, after many YEARS they told us that they couldn’t do,
and paid our house taxes. Thing is, I
didn’t get a receipt yet. I have been
too busy to call the tax office to get that.
I guess that is another thing on Dennis’s list to go there on the way
home to get that. After going through
all this crap with them I see on Face Book news about the fraudulent activity
going on with Wells Fargo and that they fired 5,300 employees for making
fraudulent customer accounts to get the incentives for some kind of
commission. I have no idea how that is
going to affect us yet. It will, no
doubt.
….and then I ordered a few things from Fingerhut, like new
shoes for me because no store around here sells the kind that I like and an A/C
for the bedroom and a soft drawer storage unit so that things will be off the
floor and neat in the basement. Well I
got everything but my shoes and to file a report for that. Funny that when the UPS guy came and I was
told that the shoes would be in that shipment, he was a new driver. I asked him if he had something else for me
and he said, No. So I went on-line and
Fingerhut sent me an affidavit report that I needed to fill out and send
back. Well I sent it back to them and I
waited a week and then I called them.
Come to find out they didn’t get that e-mail back. So I did one over the
phone. Their report stated that I did
get my shoes, but I told them they must be sitting at the UPS center because I
never got them. I told the lady what I
was told by the new UPS guy. Two days
later I get a notice that they shipped me another pair of shoes and that I
should be getting them within a week. We
shall see.
…….And then my coffee machine decided that it was going to
have all the coffee go outside of the filter and clog it all up making all the
coffee over fill onto the counter and floor.
I did manage to get one cup in a cup though. Stress level is so high right now that I
think I am going to explode! Seriously,
explode!
.….but that isn’t the end of it by any means……..Well our
basement has flooded several times now and we always thought it was from those
hard rains……well our basement flooded a few days ago and it had not rained in a
week or more. We deducted that it was
the Hot Water Heater. We went to LOWES
to get a new one…..and they changed all the codes here in this friggen
country. We got a new o0ne some 15 years
ago when we started renovating this house……..I was so pissed, but we ordered
everything that we needed and also had them come out and install it. No big deal right……………………?
……..and then, the installers get here and we find that they
will not install it because there is something wrong with the electric from the
box to the Hot Water Tank and it isn’t enough voltage. They walk out and so we are left hanging
because I have no money for this. I try
to call LOWES to get the charges off of my card. I was put on hold by 3 different
departments. So we had to go there and
do it……..but Dennis is on-call and gets a call on our way there. Hell, Dave we didn’t even make it out of our
neighborhood. Stress Level just went
through the roof!!! We did manage to get
there and the bill taken care of, but…..there is an extra charge to my account
and I am NOT going t pay for it. The
installer did NOTHING. On Tuesday I will
have to call Lowes and get my card straightened out. I really hate doing all this. People tell me that I am a
“know-it-all”. Well I do know a lot
because I ask questions, do research and follow up. I wish that I could just trust people to do
the right thing. I really don’t want to
know it all. I think my brain is going
to explode with all this information.
Grrrr.
The installer didn’t even find it to shut off the Water
Heater or turn the breaker off, so we were asking LOWES how to do it ourselves
and he was kind enough to tell us how to shut off the water. Dennis tried to do it and could not get the
knobs to turn. Meanwhile our basement is
flooded by all the water that leaked out of the Hot Water Tank. What a mess my basement is!
……and then Charlie’s depression really kicks in and he was
up all night last night crying and all day the next day and will not leave my
side. Every time that I sit down on the
chair in the living room he has to sit in my lap. He has to lay right up next to my head in the
bed too. Poor baby. He and Duke were best buddies….oh and we now
have fleas in the house, from Duke. When
his body died, the fleas all hopped off of that free feeding source. We had to find money to get flea collars
then, but they didn’t work the first 24 hours like they had the last time. So…….so…..so…I am tired of someone playing
games with me and torturing me and poking me to slowly bleed me dry. I had a couple of nightmares the other
night. It reflected how I feel about our
finances.
I was being held hostage in someone’s apartment. There were two guys that were dark skinned,
like India. They kept poking me with
sharp objects that would make me bleed. Next thing that I knew I was laying in
a wheel barrow full of broken glass and every move that I made would cut me and
make me bleed….a slow bleed. Next thing
that I remember is that I made it to a neighbor’s apartment and I was still in
that wheel barrow. I was trying to get
the black woman to help me and the guys came to the open door of her apartment
looking for me and told her that I was just making things up and not to believe
me. That was the end of the dream.
….and then…….I was on-top of my finances and now have to
find an electrician to fix the electrical wiring in this house. Oh I did my research and the county has
changed those laws 5 times in 7 years. I
have no money and our credit cards are under the maxed out limit now and I was
paying them off slowly, but doing that.
Oh and I forgot that the Student Loan that my husband has was in deferment,
but just came back into our budget again.
That is over $100.00 a month now.
With all this and the raise in taxes for income that we just noticed on
his paycheck, (another story that we have no explanation for yet) we have no
choice bu to put this work on the credit cards. I can’t control anything,
nothing, nada.
….and then the last dream that I had ………I was at my wedding,
don’t know who any of the other people in it are. We were sitting down to the dinner
reception. We all go out into the front
of the church. It was a big and
beautiful church with a winding staircase.
The guests were making their way outside. There were three pastors with us. The honeymoon came up in the conversation and
I was scared to be with my new husband and he was a bit on the aggressive side
about the consummating. The pastors were
talking to me and I pulled one aside to talk to him. I had told him that I was raped. He understood my hesitation. The guy that I married was tall, dark and he
had a pear-shaped body, only he wasn’t fat. He brought my new husband in and we
all talked and discussed this problem.
My new husband agreed that he would be gentle and I agreed that I would try
it and not let my fear take over. We
were in agreement. We worked it
out. That was the end of that
dream.
I am thinking that things are going to work out somehow. All this in a couple of weeks and I hope it
all stops and gets better……..nah….we still have to pay Home Owners Dues and
taxes for next year…..but those bridges will be crossed another day. Oh which reminds me……They are taking more
taxes and SS and all that out of my husband's paycheck. We were not told of this and it really
crunched my budget yet again. He did not
get a raise, so we are perplexed. That
takes about $150.00 per paycheck from paying our bills. My husband is working three jobs and the taxman
and the debtors don’t give us a break.
Meanwhile, I am finally getting noticed and have sold 9 products from my
store! It is slow and I realize this. We don’t get paid until the threshold is met,
which is much lower than all the content writing sites, that I stay away from
now. I will be able to cash out at
$50.00 instead of $100.00. They do hold
payment for 30 days though because this company has a 30 day money back
guarantee and instead of paying us and the product being returned they just
hold it. That makes a lot of sense. I don’t want to spend that money and then
have to find a way to return it if the customer is not satisfied. You can visit my store and you can share it too. It is Lady_G_Boutique
….and then, and then, and then…..there is a song if you
heard it called “Along Came John (Jones)” that all this is about and I posted
some of this on Face Book and someone commented back about all this and this is
what I commented back….and along came Ray (that is his name and we are
friends)….he commented back, and I get a good laugh every time that I remember
this)…..he said that I was a “smartass”.
LOL LOL LOL I posted the youtube
of the song and he got a laugh out of it too and said that he holds to his
comment….that he still thinks that I am a smartass.
Updates:
- Wells Fargo finally got the message that we were no longer interested in their plan. We got a letter and it mentioned about a Foreclosure and I went ballistic on the voicemail to the guy that was handling our case. Wells Fargo is in deep trouble and is being brought up on all kinds of charges.
- I finally got my shoes from Fingerhut!!
- We had to find an electrician to run the correct line from the breaker box to the place that the new water heater is to be installed. We changed the place and need to inform the plumber of where we want to put it. Nobody wants to go down into our crawlspace. On said that they were afraid to go down there because of spiders and such. For goodness sakes I have been down there and crawling around many time. What wimps. At any rate, he said that if we cleaned up down there that he may drop the charges from $400.00. We have one side done completely and the other side is about 80% done. The insulation keeps falling because we live on a mountain that moves a lot. No matter how my parents tried to get it to stay up, it only lasted for a few years. Stapling it doesn't hold as we have found out too. I got an idea that might work and allow some flexibility of holding it up....Bungee cords. We will see after all this fiasco of putting in a new Hot Water Tank.
Picture of before and almost after the crawlspace being cleared out
The far side is what is left to clean. There are a couple more large boards leaning against the far wall. I have to lay on my back or something to pull them out. I cannot get to the top so my husband will have to get the rake and rake it out. He is also going to stuff the insulation back up. I hope it stays up there for a while, at least until the electrician is finished his work. We are taking down and moving those utility shelves and the new water heater will go on the other side of the water softener that you see on the top picture close to the door.
So there you have it. The fun never stops around here.
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