Showing posts with label Curse of the strong. Show all posts
Showing posts with label Curse of the strong. Show all posts

Monday, 20 June 2011

Father's Day

Yesterday I took my children to shop for Father’s Day gifts and guided them towards three suitable purchases within our budget.  Feeling no resentment towards the penny watching regime which has become second nature to us all, I took pride in making sure they understood the value of a thoughtful gift, however small.  We came away with a bargain priced family DVD, a bag of popcorn and a New Scientist magazine. I knew all these item prove more than acceptable to my husband who, since our financial demise, would not dream of buying anything for himself.  I delighted in the joy and the excitement on my children’s faces in their anticipation of the act of giving and the pleasure their gifts would bring to the recipient. 
As with any celebratory day in our household, the children were unable to contain themselves and arrived at our bedroom door bright and early.  I watched my husband carefully unwrap his gifts and discuss its merits with each child without any outward signs of his pleasure and while the children were unphased by his reserve, I struggled to suppress an overwhelming sense of grief for the absence of warmth in his actions towards us.  Oblivious to his inanimate facade, the children quickly moved onto other things secure in the familiarity of family life.  I, on the other hand, was left to talk myself out of the anti climax which always goes hand in hand with my husband’s lack of emotive reaction to anything.
I have attempted to rectify this obstacle in our relationship many times by.
· Explaining how difficult it is for me to live without engagement of this nature, His response has been either, it is just my perception and not at all how he is or I am an excessively needy person and this is a failing in me not him.

· Asking for a smile or a verbal response but in these instances I am told that either my questions are rhetorical and require no answer or he has no inclination to grin like a banshee at my behest.

· Trying to ignore this trait. However, I often feel resentful and deprived of what I perceive as his side of what should be two way communication within our marriage.

On days when I am sure I am deserving of a smile or some warmth, I grieve silently for the lack of it. These days, my face will often mirror the inanimate nature of his as we go about our lives in silence and, on occasion, when my grief turns to anger, I demand to know if he has heard me say how brightly the sun is shining or how well the children have settled at school but my outburst are not pleasant for either of us.
I know my husband does not refuse engagement with me out of malice but his ignorance of his actions and his refusal to consider the long term consequences of this lack of intimacy regularly renders my heart heavy and while I understand the impact of our ongoing precarious financial position has already taken its toll on the fragile ego of this shy and sensitive man, I can see behind his deadpan expression that the three year battering at the hands of our creditors has left him a legacy of shame for his part in it.
Sadly, despite my best efforts, it is on days like these I realise the task of rebuilding our marriage is likely to outstrip the difficulties I am currently experiencing trying to rebuild our lives financially and although I have always subscribed to the, "Whether you think you can or whether you think you can’t, either way you are right" fraternity, today, on our seventeenth Father Days together, 

I simply don’t know what to think or what to do.


Thursday, 26 May 2011

The Curse of the Strong

The Battle of the Banks has re-commenced today with the help of my loyal and talented letter writing friend, Chris. Despite outwardly embracing this conflict, I know in my heart of hearts, it takes a huge toll on my mental health. The price I usually pay for ignoring my overwhelming urge to either crawl under a stone or run for my life, is my hair loss, my sleep and my concentration.  Today is no exception and the first sign of the stress levels rising is a migraine which has already announced its imminent arrival.

Will power along with a chronic aversion to failure sees me through on days like this. However, it does me no favours.  Outwardly coping there is no indication the receipt of just one such letter has snatched the ground from beneath my feet.  Martin Lewis on the Jeremy Vine show referred to it as the ”Curse of the Strong”.  My decision to face these financial bullies, regardless of the cost to my health, is the only logical choice I have if I am intent on exposing the Bank of Scotland's abdication of all responsibilty for a shortfall their actions created . If I don't "stand and deliver" they will, yet again, get away with sweeping their dirty deeds under the carpet.

Today Merrils Ede’s henchwoman is in my firing line because she, with the Bank of Scotland’s blessing, is attempting to heap sufficient pressure on me to prompt an offer  of either a settlement or a payment arrangement. She is doing this by threatening bankruptcy proceedings again despite having financial eveidence which illustrates we are unable to do either. I have no doubt corresponding in this way also allows her an opportunity to rack up substantial ongoing fees.  It’s a “win win” situation as she stands to earn indefinitely from this unrecoverable debt, safe in the knowledge the Bank of Scotland will continue to pay her as long as she gives them the impression we are withholding payment rather than being, as the CAB have so plainly stated, completely without the means to make any offers.

These are the reasons Merrils Ede should not be wasting theirs and tax payers money chasing us at the Bank of Scotland’s behest and it is this information I intend to share with Ms Rottweiler's boss.
·        The case is in dispute and always has been from before the time Merrils Ede took it on two years ago

·        The CAB have repeatedly told her we have no surplus income or assets with which to offer a settlement and they have repeatedly provided Merrils Ede with evidence to this effect.

·        It is against FSA and OFT guidelines to make payment demands from people who have no means of making payments.

·        The Financial Ombudsman is investigating our case against the Bank of Scotland.

·        Because of our financial demise we are experiencing high levels of stress, as indicated in our doctor’s letters of which they have copies, and therefore our mental health is at risk.

     I suspect the Bank of Scotland appointed henchwoman from Merrils Ede has a personal dislike of people who, like me, are unable to pay their debts.  It wouldn’t surprise me if she has assumed high living and extravagance has been the reason for our shortfall and passed a personal judgement we deserve whatever postal punishment she decides to meter out. Whatever her motivation there is one fundamental principal she has yet to appreciate.

      You cannot get blood from a stone.