Diary of an ordinary mum

monkey62

Thanks Chrystal and Narola1976 and to everyone who has shown support.  I honestly can't believe how focussed I am.  I do know that for the first time in a long time I feel like I can breathe again.  I'm not going to think about what will happen when/if he comes back.
Lovely day out there, well it is in Hampshire.  I've been out and penned up the bunnies so they don't get into any mischief.  DD still in bed, and I've been at work all morning.  I enjoy working from home and am lucky to be able to do so.  As I'm office based I have a feeling this may be the way forward - working from home that is.  I'm sure we'd still go into work to touch base every now and then, but I certainly don't miss all the moaning and commotion that some people can cause because their mouse doesn't work  
Just taking some time out now to get some lunch and think about preparing my emails for the lovely creditors.  I'm still waiting to hear back from a couple about my unaffordable lending complaints but others have been quick to respond and have provided a very thorough response too.  All of my credit troubles are with the more sub-primey types and so you know the payback is going to be double just because the interest is so HUGE.  But at the time I felt I was desperate for the money, being blinded in a never ending hole of debt.  I'm just glad I took the steps to stop it when I did.
Tonight I'm going to read some diaries and see how others are doing - I may even pipe up and say a little something.
Take care all, thanks for your support.

Drawingaline

I am in Hampshire too, it's going to be a hot week!

Good luck with you journey, I also use my diary for a whole host of ramblings, not just financial. 

monkey62

Hey, Drawingaline, good to hear about the weather - there's things I need to do out in the garden.  Another area he's neglected to do anything about   so overgrown in places it really looks untidy.  I am looking forward to working up a sweat, might shift a pound or two... gotta start somewhere to lose the added stones (I referred to my excess as poundage before... I was being nice to myself  )  Work was full on today but I enjoyed it, got another busy day lined up tomorrow plus the call with my boss about the future... bring it on!!
DD downstairs yelling at the playstation (as in she's playing a game, not gone mad), I'm in MY bedroom  - going to read some diaries now.
Oh, never got round to the email to my creditors, I'll pick that up tomorrow if I've got the time (and the inclination 

joedenise

You're certainly sounding more positive.  Have subscribed to your diary.  I don't post often but do read quite a few diaries; if I don't comment it doesn't mean I've stopped reading!

Drawingaline

I hear you on the teen shouting at the PlayStation, it's the boys favourite past time. We allowed him to have the VR in his bedroom, he is now on his last warning and then it's back downstairs! 😂 He gets so loud the girl sometimes actually gets herself out of her pit to shout at him. Seeing as I can barely get two words out if her atm, and she only leaves her room to eat its a Miracle 🙄

monkey62

Hello joedenise and Drawingaline - thanks for reading.  Drawingaline, laughed about girl shouting at boy I've had days where I only had to look at DD and she growled at me.
So today has been a pig - more calls today to take notes and then the call with my boss - didn't go as I thought. I won't go into detail but I've had quite a bit of time off with anxiety and depression due to being undermined and overlooked (nasty colleague and crap management).  I've recently gone back to work but doing something different and this is working for me.  Today I was told that if I don't go back to my main job then I could end up with nothing.  I have to say, one minute I'm being made redundant, next minute I can go back but into something else and now I gotta go back to main job - I mean what??  To say I've lost confidence in the place is an understatement but I've been there for years and would be giving a lot up if I just left.  And, I also don't want to let anyone 'beat' me.  I see myself walking back in there, head held high, and saying yeah, that's right, I' back!!
What else - ooops no emails to creditors again today - will be done this week.
I'm off for a shower in a mo - I'm sweltering here - don't know if it's my age or the weather but I can't seem to do anything without breaking into a sweat.
DD been in touch with 'him' - she told me he's fine and at a mate's house.  I said, oh good and was thinking 'mate's house my !!!!!!' - to coin a phrase 'am I bovvered???'  no I am not. 
Take care all

joedenise

I had a similar problem at work but as I was nearing retirement age decided I'd not go back at all.  You are braver than I was all those years ago (nearly 10 years now) but I would say if you can cope with it go for it - I wish I'd had the guts to do it but it's hard after being called "a waste of space!" by the guy who is going to be your line manager.  Good luck.

monkey62

I shouldn't say it, but I wish I were nearing retirement age - it would make things easier, but then again, having someone say you're a waste of space must have been very upsetting, especially from the would-be line manager.  My manager just looks the other way when I'm being undermined by one of my own team - I don't know how she gets away with it, but on the occasions when I have said something, I'm looked at as the one who's causing trouble!!  So, maybe now I really know how these people operate I might be in a better position to deal with it, I don't know.  No doubt the picture will change again for me by the end of next week,
Good news on the money front.  During my depressed state of borrowing, I had loans with Pr*vident.  No checks were performed on me and they were happy to lend me the money.  I was paying back for years, nearing the end, having another loan etc., you know how it goes.  This was one of my irresponsible lending complaints and I received their final response yesterday - they upheld my complaint saying that whilst they can't say they didn't perform any checks, they can't say they did either and they have written off my debt.  That was my largest debt coming in at £2,315.  Once they had removed the interest and the other things, there was a tiny balance outstanding which they wrote off as a good will gesture.  I am over the moon with this one.  They have had way more out of me over the years but as far as this goes, yes, a result.
Work is still busy busy - not complaining, I like it this way but boy, I am tired when I go to bed now.  
Tomorrow is shopping day, will be going after work, hoping to only spend in the region of £45 I really don't need much - but we'll see.

DancingInTheRain

That's a great result on the Provident loan, well done!
Hope the work situation settles down for you, it's awful how some individuals conduct themselves in the workplace with their toxic behaviour. 

SuperFrank88

Hi Monkey62,
Just read your diary and wow! What a roller coaster, but very inspiring to read about your positive attitude towards the negative stuff! 
I have subscribed and will be following your journey. Could I ask, regarding the irresponsible lending letters, did you use a template? I would be keen to send these letters to my creditors so would love to know what you wrote to them.

Hope you have a great weekend.
Frank