Fairstone, beware not fair!

My story begins with a sick leave, I was given a mortgage by CitiFinancial
Yes, it relieved me at the time, I was alone and I had 4 young children to take care of. But when I returned to work I did not expect to be fired.

CitFinancial is now Fairstone, here are 2 stories, I feel should be heard… your comments and support would be greatly appreciated…

http://winnipeg.ctvnews.ca/consumerwatch-high-interest-loans-1.796983

” What began as a $8.500 loan has now grown to more than $20,000 in debt” she said ….people need to read the bottom line carefully before they sign anything with lenders like Citi Financial…”hidden fees that can not only keep your loan at the same number but can also increase your loan balance.”

“For me it’s too late” she said. The court documents she receives regularly have been a source of constant stress. “I messed up. I messed up huge, and I know I did. But how long do I have to pay for it?”

Email from an Anonymous Talker:

My story begins with a sick leave, I was given a mortgage by CitiFinancial

Yes, it relieved me at the time, I was alone and I had 4 young children to take care of. But when I returned to work I did not expect to be fired. I had been told there was not enough work. They layed me off. 

I never quite understood why me? …I know that my boss did not want to take a chance that I would be sick again. Citifinancial took a chance on me. Of did they?

In 2007: My first mortgage was $ 43 311.55 with an interest rate of 10.99% , over a period of 20 years. I paid $ 463.18 / month which included all kinds of insurances and tow services…

In 2010: My debt was $ 41 967, but with no job and depression coming quickly my way. I had to refinance with them for $ 59 622 (hydro, late tax ..) at an interest rate of 12.55%. I was worse off but I paid more $ 699.71 / month.

I had to refinance with them or lose my house. Why? because I believed that things would get better.

I really worked hard and tried. I started to do contract work (I love my career and I am good at it) . But when I asked for more time to wait for my clients to pay their invoices, Citi Financial started calling my clients. They even left messages with my past employers (my clients) pretending they can not find me. They also called me and hounded me every month on the very same day my payment was due.

In 2015: My mortgage was up for renewal.

Even though I then had a steady job and things were better, I tried to get another mortgage elsewhere? The banks all said that Citi Financial do not report mortgage payments properly and this is the cause of my poor credit.

I had no choice but to continue with Citi Financial.  I still owed $ 61 214.55, again with an interest rate of 12.55% I payed $ 781.59 / month.

Recently, I just moved away. My house was causing me too much grief,  with no credit to renovate ….it was falling apart. CitiFinancial’s constant harassment made me feel SHAMEFUL. I felt ill all the time…. I had to start over. I just gave up my home.

Slowly, I am learning that HOME really is where the HEART is. And my HEART wants to heal !

Expect…tations!

I expected just one person (that I do not know) to send me a reply to one of my posts. I also expected more of my friends to participate.

My friends say “Wow! thumbs up Shandy” but probably only looked at the photos…Ha! Ha!

I once posted on FACEBOOK

Anger and violence does not change the heart of a NASTY person, but beware that it can change yours. The best revenge is to stay true to yourself and not to change your heart, but never forget the lesson given.

It was one those “bla bla” nights on FACEBOOK. I got 2 or 3 likes, 1 comment “are you ok?”.

Then I reposted it with a corny photo montage in the background. I made sure it was not very relevant to the words spoken.

It looked like one of those annoying posts that everybody shares.

Sure enough, it was more popular and shared.

Disgusted, I removed both posts.

Lesson learned : Expect nothing and concentrate on your goals. My blog needs feedback, but talking to myself is fine too. For now I want to explore other bloggers views and participate in worldwide discussions.

Expect bu-seal-large-blue

Thanks DAILY PROMPT !

CFS – first of many testimonials

People who have chronic fatigue syndrome should be able to enjoy the days that their body gives them back their life, and without prejudice! No one would ever questions the need to rest for someone  with a kidney disease…. Having an invisible chronic ailment means you have to continually prove that you have a real illness. That although you seemed fine yesterday, today you are not struck by mental  illness, nor weak minded or LAZY.  THIS constant misbelief of chronic fatigue syndrome is TIRESOME! Instead of support, you are alone. Which opens the door to depression, job loss, financial troubles….

“It’s a nice today, plus it is finally the long weekend, which means I am home and lucky to have time to enjoy my family, or do things that will make me happy, like my housework so I can finally have a clean house. Or read one of the many books (or articles …) that I have picked up over time and kept in hope that one day, I would have the time and energy to them reading.

But my body says no! You will not take advantage of this day!

My tired legs do not want to walk. And each thought in my brain is like a hammer in my head. The beautiful sunshine burns my eyes. I’m hungry but I cannot eat, even when my children offer me a snack. I love when they make me something to eat, they are often very creative and this makes me so proud… I just stay in bed and hope the outside world will be ok. I know my children will be sad of course and worried, but I can’t function so I can only hope they will be ok…I become like an animal hiding to die!

But I don’t, fortunately and for no logical reason, my body will soon decide to give me back my life. Then I will rise again and I’ll be me … but for how long?” Mrs. Smith, 2008

I knew a man who needed dialysis to live. After his treatment, he had two days were he could do anything. He was fit and happy to be alive! His hobby was to restore the old cars. His garage was filled with restored Ford 1920’s cars, antique tools bought on eBay. It was like a museum and so well organized … .The third day, he no longer functioned. Sick, he stayed in bed. The fourth day he returned to the hospital for treatment that lasted all day. Basically 2 days out of 5, he was himself. He told me that these 2 days erases the 3 others. 

People who have chronic fatigue syndrome should be able to enjoy the days that their body gives them back their life, and without prejudice! No one would ever questions the need to rest for someone  with a kidney disease…. Having an invisible chronic ailment means you have to continually prove that you have a real illness. That although you seemed fine yesterday, today you are not struck by mental  illness, nor weak minded or LAZY.  THIS constant misbelief of chronic fatigue syndrome is TIRESOME! Instead of support, you are alone. Which opens the door to depression, job loss, financial troubles….

 

Free for all

Stories sent to me to share with you

Stories sent to me, others talking too…

OFTEN I DO NOT UNDERSTAND VERBAL CONVERSATIONS 

Kathy shares an interesting point of view about people think….

 By the river           

CFS – FIRST OF MANY TESTIMONIALS

 

 

bart

TODAY, TOMORROW, PERHAPS FOREVER PERHAPS NEVER…

I had a wake up call…

My friends ask me…why create a blog? They also ask what’s the subject? Where are you going with this?  Then after I answer: they say ” You don’t have time to waste on this.”

This is my very first post.😉

My friends ask me…why create a blog? They also ask what’s the subject? Where are you going with this?  Then after I answer: they say ” You don’t have time to waste on this.”

W.T.F ? I’m looking for satisfaction from just doing this….

MY BLOG: my talking about….I want to explore how sharing my thoughts with random people, who want to talk too, will develop…

My(so called)”friends” also think I won’t make it as a successful “Blogger”. Perhaps, this could be my first issue I want to talk about: Friends, real friends, best friends, friends one should avoid, ….l.o.l. Friends that don’t believe in yours dreams….

Please share anything about “friends”. Your opinions on this, or an experience about a friend that you want to get off your chest, or maybe a sketch or drawing you feel tells all about your thoughts on friendships.