Am Not Coping

@Faith-and-Hope @utopia @Former-Member @Shaz51 @Former-Member @Adge @Former-Member

Thanks for thinking of me everyone. I am not sure how much time I can spend on here. I have absoutely no money left, no insurance through as yet and so unable to pay for data/internet/phone (or anything else). If it doesnt come through in the next 2 days I'll have to cancel my psychiatrist appointment also. This is really starting to weigh heavily on me and sending me further downwards. The chemist will allow me to put meds on account until I get paid but that means I am always behind and as soon as the money comes through it goes quickly to cover al my bills outstanding. None of this is helping my mood or how hopeless I am feeling. Another day to get through and hope tomorrow is different!

I tried ringing the insurance company (2 different numbers) and only got an answering service - left messages but they haven't been returned @Faith-and-Hope. I can't even say when it is likely due as it has been anywhere between 1 and 3 weeks after the paperwork has gone in. It makes it really difficult to even budget and pay bills when it is so irregular. I am always on the back foot and I hate not being able to deal with the day-to-day stuff - it's not me - I like things being paid straight away. I can approach the bank to hold off my mortgage payments for a couple of months but I don't have the energy to collect all the receipts/paperwork that they need (and my motgage isn't due now until next month) - and by the time that is all done my money may be through. I'm struggling here and it is mainly because of my financial situation at present. I worked hard, gave alot to charities (and others who didn't have anything), saved what I could, and now it's all gone on medical expenses in the last 10 months. This is not the life I want and it certainly isn't one I can continue with.

@utopia It took all the energy (and voice) I had to call the 2 times I did this morning. I really don't have the energy for this. I need to go to the chemist and my GP now and maybe I will have some energy to try again later today. I am so tired my friend - so very tired!

Hi @Zoe7,

Keep ringing your insurance offices - head office would be best. You have given to those who have hit hard times through charities in the past - now it's your turn. You can approach your local community centre/charities/churches for help with bills and food etc for now and tell them of your hardship - they can also offer free legal advice (re to being informed when your payments will be due in the future to budget, becoming adequately informed of the insurance companies obligations to you this way so you don't get caught again etc).

. I would say that your insurance will come through within a couple of days but it doesn't sound right that you can't speak to anyone. Try again, perhaps different branches, head office etc and tell them the situation "is urgent financial hardship", then ask for their name and if applicable a report number or similar.

I am in the midst of my own legal battle due to being gazumpted in real estate property after being told in writing the property was ours. We are fighting a mega giant corporation that has more money than God. Energy? Motivation What's that? It's about obtaining what is rightfully ours - it's about justice. Kick your heels in and dont give up my friend. Know your legal rights. Hang in there my friend as help is out there. Hugs xx

@Former-Member @Faith-and-Hope @Faith-and-Hope

I just got home and sorted out my meds and was about to pick up the phone and ring the insurance company again when they finally called back - only took 6 hours! The paperwork has been received and is being processed so should have money in a couple of days - hoping it is in before my appointment on Wednesday. Just need to hold on for another couple of days and hope that it is sooner rather than later and I can at least get back on an even keel for a couple of weeks. I have enough baby food to get them through until thurs/fri so that is at least covered.

Saw my GP and everything else is 'on track' but she understands how much the money situation is affecting me. I don't have any more medical expenses other than psychiatrist this week (so far) so that is a relief - new scripts to be filled next week (I thought it was this week). The beautiful assistant at the chemist came over and asked me if I was ok today and said 'you don't seem your usual self' then gave me a hug - I cried It was so lovely of her - a bit teary just thinking how sweet she was.

It's cold, dark and wet here (would not be surprised if it snows tonight) so snuggling up on the couch with Toby and my doona is probably the best thing to do. Another day to get through and then tackle tomorrow when it comes!