Begging Money

Financial Hardship Help

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Urgent Appeal for Financial Assistance: A Family in Desperate Need of Help

Dear kind-hearted people,

I hope this letter finds you well. I am writing this personal appeal with a heavy heart and deep sense of desperation. I am a husband and a father of two children age ten and twelve, and my family is currently going through a very tough time.

For over a year now, my wife and I have been retrenched from our jobs since July 2021. It has been a difficult journey for us, and we have been trying our best to make ends meet. We did receive financial assistance from the government but it only last for six months. We have been doing odd jobs, and for the past three months, I have been working as an e-hailing driver just to cover our daily expenses.

Our financial situation has become dire, and we are struggling to pay off our monthly bills. To make matters worse, the house that we are staying in is leaking at the roof, and we need urgent repairs. We do not have the funds to carry out the repairs, and we are afraid that the condition of our house will deteriorate further.

We have some commitments with the bank that will be struck off in a few months, but until then, we are finding it extremely difficult to keep up with the payments. We are worried that we might default on our payments, which will affect our credit score and future financial standing.

We have no more savings in the bank due to the prolonged unemployment. We have been using up our savings to pay off our bills and daily expenses, and we are now left with nothing. We are at a loss as to how we can provide for our family.

We are reaching out to you, kind-hearted people, in the hope that you can extend your helping hand to us during these trying times. We are not asking for a handout, but we are humbly requesting for any financial assistance that you can spare. Every little bit counts and will go a long way in helping us to tide over this difficult period.

As a father and husband, it pains me to see my family go through such difficult times. We are doing everything we can to get back on our feet, but we need your help. We are grateful for your time and consideration, and we hope that you can find it in your hearts to help us in any way you can.

Thank you for your kindness and generosity. May God bless you abundantly.

 

Channel your donations here, paypal.me/crj950

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Financial Crisis

I had to take a medical leave from work at the end of September and during this leave I had to have my gallbladder bladder removed which was unexpected. This caused me to be out on leave longer and it used up my intermittent FMLA. In order to return to work a fitness for duty form was required and filled out by my doctor. My doctor requested reasonable accommodations for me and my work denied the request and placed me on a general leave status until the start of the next school year. I was supposed to return to work in December but not only was my ADA accommodations denied but they went on Christmas break and left my paperwork on the desk for review for after the Christmas break. Then they just forgot about me until the end of January and informed me that I was not allowed to return to work until next school year. All this leave has been without pay and I have reached capacity. I have borrowed all I can borrow and used up all my credit and I am now unable to pay my bills. I cannot even buy gas or food and it will be wasted soon enough if my electricity goes out. My credit score went from an 800 to a 520, and every creditor is calling me multiple times a day for payment and I don’t have any money. I have worked my entire life and I have always been able to at least if all else fails go wait tables but I no longer can work on my feet. I have 8 medical conditions and one of them is extremely difficult to manage and causes me a great deal of problems making everything I do exponentially harder. I have POTS syndrome and I have severe arthritis in my entire spine and hips making any type of labor intensive jobs and standing up for long periods of time impossible for me. I cannot just go get a job anywhere. I’m negative in my account and my house payment is due. All my bills are due and all my maxed out credit cards are past due. My house taxes are past due and everything is spiraling out of control. I am having to send my only child to go live with my parents because I cannot support her and I don’t know what I will do without the kindness of strangers because I learned quickly that when you really need help your friends and family will not help you. I have worked hard to get everything I have in life and in falling behind by one month my entire credit and on time payment history is destroyed and I am facing financial ruin and eventually I will lose my house and everything I worked for. I have to now sue my school district for violating my rights by denying me reasonable accommodations which will only mean many more months of time without any income and I just don’t know how anyone is expected to survive these situations when there’s really no way to speed up the process. I will be eternally grateful for any help afforded me by others because I have no idea what I will do if nobody steps in and helps me stay afloat. I have never needed help before and I am very humbled by this experience. Thank you deeply.

https://paypal.me/cecireed77?country.x=US&locale.x=en_US

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Please Help Us Raise $10,000 to Fund Our Home

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https://paypal.me/royceandmiko

Hello. We are two young men who have a simple yet challenging dream of owning a home in California. While we were well aware of how difficult this would be financially, we did not realize how emotional even the first stages of buying a home are. Truthfully, all we want to do is provide a nice space for our fur babies, Royce and Miko. From there, we eventually want to build our family, but we feel that we are currently wasting our resources by renting.

We were presented with an amazing opportunity to own a home with an amazing first-time homebuyer program. However, we realized all that we have saved up until this point would be gone. On top of that, the builder informed us that they miscalculated and our dream home would be $10,000.00 more than its original price.

We are not afraid to work for what we want. It’s just that we feel like we’ve been working so much, and no matter what we do, it’s still not enough to accomplish our lifelong dream of having a home. We have been saving up for our dream home for about five years. We understand that some people may have been saving for their first home for longer than that, but we come from very humble beginnings. Both our families were immigrants from the Philippines and did not come to America with much. They struggled to put us through school, and outside of that, they had to take care and fund our siblings as well.

We are trying very hard to make our dream of having a home come true. We believe we are not asking for much. Our calculations would have been great if the $10,000.00 addition was not presented to us. We believe we are only trying to get our home price back down to what made sense to us. We have done all the negotiating with the builder that we are capable of and are now turning to the hope that someone who is reading this would relate to the challenge we have at hand. We all had or have a dream that seemed unattainable, and then became closer to reality. Anyone who has experienced being so close to their dream and then something coming along to make it appear unattainable again knows how much it hurts.

We would give everything to have our dream home, but we also don’t want to start this next chapter of our lives with nothing. From the bottom of our hearts, we kindly ask for any amount you are able to donate. Please help us provide Royce and Miko a new home. Please help us start our family.

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Running Out Of Time

I am in a mountain of debt for a variety of reasons. I have $128,996 worth of debt not including my mortgage. I’m about to lose my home. I have had so many obstacles to overcome the past few years. I’m 51 years old and a year away from being able to retire. I’m not afraid of work. I’ve been applying for numerous jobs online to supplement my income but to no avail. My current job prevents me from seeking a brick and mortar job because of my schedule. I’m an Athletic Trainer at a local high school. I’ve worked at this school for 27 years. I’m very giving of my time and skills to a multitude of student athletes as well as anyone asking me for help. In the past 6 years I’ve gone through a heartbreaking breakup with my girlfriend of nearly 20 years. In the past year she chose to become pregnant through AI without my knowledge. I began trying to help her in purchasing items for what turns out as twins. She gave birth a month ago but had severe complications which almost resulted in her death. Thankfully everyone has recovered and is doing well. In the past 6 years I’ve also lost my father in which I was trying to care for him during COVID but once I returned to work I had to move him in with my brother. At the beginning of the school year this year I had a student athlete collapse and pass away during a workout. Needless to say I’ve had a lot of emotional trying times recently. I’ve been in counseling for nearly a year. That is a portion of my debt. The greatest portion is trying to become a day trader. I have lost all control in pursuing this endeavor. I think I was throwing myself into learning to day trade to compensate for all the loss I have been experiencing. I also felt if I could make money day trading I could help my ex with the twins. I could help my daughter pay for her wedding. I simply want to stop drowning. I don’t want to lose my home. I want to get out of debt and turn things around and help someone else in need. I’d love to be able to be a financial coach and prevent others from falling into the same hole I’ve fallen into. I just need to get my head above water. I’m at a desperation point.

https://www.paypal.com/paypalme/jenak5

 

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Please help me!

I am a 72-year-old woman and am struggling with my mortgage and with life in general. I retired early to care for my parents. Back in the 90’s they had no prescription insurance, so my father was paying out over 10 thousand dollars a year for both of their prescriptions. I helped them with food, gas for the car and utilities.  They burned through their savings quickly, but I would not see them do without their medications and other needed necessities.  I also burned through my retirement funds to assist them.  When they passed, they deeded me the house and that is where I now live. It was free and clear but needed repairs.  So, I had to mortgage the house.  Now, I owe 67 thousand dollars on it.  I am only working a small part time job.  I am on Medicare, Medicaid QMB and Anthem Blue Cross Blue Shield.  I was in an auto accident on January the 18th of this year.  I had a brain concussion, contusions and really bruised up.  I am trying to buy a car, but they want a down payment which I do not have.  I am very discouraged.  I need a used car.  And help with the mortgage.  I tried to get a reverse mortgage but was told I would need seven thousand dollars to make that happen.  I am praying someone will help me.  Any way that you can.  Thanks in advance for your help.  Christine I could not figure out how to put a picture in.

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Dream of home ownership

I’ve never asked for money before and this is hard to do. I’m an optimist by nature and tend to see the glass as half full. I kept hoping things would eventually “work out” financially, but now I’m pushing 60. It feels as though the years have caught up with me and there’s no time left.

 

I’ve worked since age 16. I did all the right things – got good grades, went to college, worked my whole life. I’ve worked in nonprofits for 20+ years, providing social and mental health services to vulnerable adults. Obviously, folks don’t do this work for the money. But I always believed that if I worked hard and played by the rules, I’d be okay. But housing costs have sky-rocketed over the past 30 years while pay in many industries, including social services, has stagnated. 

 

I always wanted to own my own home but there was always a barrier – student loans to pay, underpaid in NPOs, unemployed former spouse, living in high-cost-of-living areas, situational setbacks, and admittedly a couple of financial missteps. 

 

I’ve been paying back the student loan for almost 25 years and I still owe more than $50,000. I’ve applied for loan forgiveness (SLFP) but the initial application was denied and the request for reconsideration won’t be decided until after June 2023.

 

In early 2021 I was diagnosed with retinopathy and macular edema, after it was misdiagnosed for more than 2 years. As a result, I will have to get injections in both eyes, every 6 weeks, for the rest of my life. I’ve been worried that this will cause me to lose my job, resulting in years of lost income. 

 

I am also playing catch-up on my retirement fund, for which I take responsibility, and on which I am diligently making progress. Despite my hard work, frugality, and progress thus far, I don’t see how I’ll be able to have both – a home of my own AND a financially secure retirement. As it is, I foresee working at least another 10 years, up to age 70, if not longer. In the meantime, I continue to rent in an increasingly expensive rental market. 

 

I am hoping for some relief – a lower monthly housing payment that actually builds equity – but more than that I want the pride of home ownership. Thank you for reading this far.  paypal.me/aniiarbo

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Behind on house payments

I’m a substitute teacher and honestly, the pandemic wrecked me financially. If I don’t work, I don’t get paid. Like most subs, I’m employed by an agency and while work is steady in normal conditions, I may work in four different school districts during a school year.  I don’t qualify as a full time employee because of my on-call status and because working five school days every week simply doesn’t add up to forty hours. We fell behind in our payments and our mortgage company granted us a forbearance. I was really thankful. Unfortunately, when that expired we were expected to come up with the payments that were “paused” in a very short time period. We have cashed out a life insurance policy and have sold possessions to try to get caught up but it’s just not enough. Between the rise in grocery costs and previous cut in wages, it seems like we just can’t get ahead. In a perfect world, I could gather enough to pay a year’s worth of house payments and be able to just work and not have panic attacks regularly. $12,000 would do wonders for my sanity.

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Please consider helping me

My name is Marsha.  Please bear with me as I write this. I have never asked for help before and honestly this is very difficult for me. I am emotionally and physically tired and just dont know what else to do.

We are a small family and we work very hard every day, from early morning until late at night.  It is unreal how you wake up one day and are on the verge of losing everything. We are not asking for enough money to be debt free. We are looking for money that will allow us to take care of immediate needs that will allow us to keep our home and most importantly allow us to keep working.  We are trying but life has kicked us and we cant seem to get stable and be able to function properly.  Between getting sick and that set us back significantly and our car needs repairs.  This is essential because without the vehicle it hinders working.  We are working four jobs between us and will continue to do so.  Again, we are not asking to be debt free, we are looking for assistance to keep us going and essentially keep us from losing our home.  Thank you for reading this and for your consideration.

This email asked me for a category, which I can only choose one:  but the categories you would be helping with are mortgage, car repairs, medical bills and general (food)

paypal.me/scomar1975

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Short on money

Hello everyone,

 

It might be very unique situation for everyone to read.   I am deaf and I have been struggling to find $4,000 to use downpayment on a dream home.  There were many assistance programs but I am not qualified for it.  I know it can be full of bullcrap once you read this.  I have tried many different ways to get an assistance however NOTHING works.  Even if I tried to get a gift fund from my parents.  My parents can not afford because they have their own finances to worry about.  My dad have skin cancer and just started taking medicines which is about 13,000 dollars a month.  He just got a grant to help to cover his medicines.  I am definitely running out of luck.   I might share too much information.  My ex screwed my credit.  I am glad he did that instead of hurting me in physically, mentally, verbally, and emotionally way.   I have been living with my parents for two years and it’s time for me to live on my own with my son so my parents do not have to worry about taking care of me since my dad have a lot of health issues.

My dream home is a condo where I do not have to worry about mowing a lawn since I am single mother.  I have a job to pay for bills however I do not have extra $4,000 to cover downpayment.   A seller of condo is willing to extend closing date for other week.  I am begging for people out there to help out.  I am not sure what kind proof I have to share with you guys to prove that I am serious on downpayment.    Being deaf is most struggling part in my life because no one wants to help or assistance program want to help.   I am literally asking people to help.  I have been depressed past few weeks because NOTHING works.  Even I have been praying daily.  Something has told me to check this website and I am trying this out and hopefully it helps somehow

A dollar, 5 dollars, or 10 dollars will make a big difference if you help out.  Many thanks

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Single Mother of 4 Boys Needs Assistance

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Hello,

I am a single mom of 4 boys, 3 of them are still at home and live with me in our family home. 2 months ago, my husband who I will be married to for 25 years next month, stopped financially assisting me with the mortgage and all associated bills with this house. He has since quit his job, moved all of his belongings out of our home and moved 4 hours away to live with our oldest son. I work full time, but I don’t make enough to cover all of the expenses without his assistance. I do Lyft on the weekends while trying to obtain a 2nd job to work in the evenings and on the weekends, but i am still drowning. I have maxed out all of my credit trying to maintain the household for my children and no one will give me a loan due to me debt to income ratio. I have entered into a debt management program, but right now i am a full mortgage payment behind of $3400 plus several of the utility bills and my car payment are behind. My dad has been able to help me out the past couple months, but i can’t keep borrowing from him. My mom was diagnosed with breast cancer and is in treatment and I cannot burden her right now. I am drowning and i just need some financial relief, but i have been turned down from everywhere. I have applied for several additional jobs, but I keep getting turned down for being over qualified, but I would take on any 2nd job as a cashier in retail, they just don’t understand the position I’m in as to why I’m applying for such jobs. Please help me from drowning in debt, i just need a light at the end of the tunnel. I’m about to lose everything and I will have nowhere for me and my boys to live.

https://paypal.me/lonelysmile77?country.x=US&locale.x=en_US

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Single Mom just praying for a fresh start

Hello!  I am a single Mom of a beautiful 1 1/2 yr old little girl and about to be homeless.

Let me explain…. 3 years ago I met who I thought was my forever, while a senior in nursing school. My senior year was filled with hard work and morning sickness. Yes I was pregnant but my dream was to be an RN and I wanted to show my child that you can always achieve your dreams with hard work so in June I graduated, gave birth and took my NCLEX and passed!!!  My life was perfect. We moved into a beautiful home gifted to him from his parents.  I worked so hard to make it our own. I landed my dream job and I was ready for a future. My ex who at first was a hard worker now had a change of plans. He would get a job, last a few days to a few weeks and find something wrong with that job and quit. 14 jobs he had, most of them were good paying, close to home, retire from jobs but someone was always giving him a hard time, or picking on him, the boss was unfair, the work was dangerous etc etc etc. But I made good money and was willing to do what I needed by paying the bills and working extra shift until his perfect job came along. It still hasn’t!  I figured he could stay at home with our daughter and just keep the house looking decent, maybe throw dinner in the crock pot so after a 12 hour shift I could come home and enjoy time with my family. Well he informed me that he didn’t have time to watch our daughter that it was my responsibility to hire someone. I did. His mother and him sat me down and told me he wouldn’t do a dish, pick up a paper or even open the back door to let the dogs out because that is a “women’s job” and a man doesn’t do things like that. So the house was a mess, dishes piled up, laundry piled up, dogs not being let out for 12+ hours all while he laid in bed till noon and then went and sat at his moms house so her dog wasn’t lonely. I dealt with it for awhile. My parents would come sit with the baby on my days off so I could clean, they would help me clean, play with the baby, fold clothes, whatever was needed. If I made supper he wouldn’t eat it because that’s not how his mom made it. I asked his Mother for her recipes and if I made it he would throw it away because it wasn’t as good as his Moms. My dream life was a nightmare. Right after Thanksgiving our coal stove went out because he said he was too busy to fill it or check it that day and it almost killed all of us. I knew I had to put my foot down. That was the beginning of the end. Fast forward to about 6 weeks ago. He woke me up at 3 am to tell me to go downstairs and turn the thermostat down because he was hot. I had to get up for work in 2 hours so I refused and told him if he is hot he should go turn it down. He proceeded to take his gun out of the nightstand and grab me by my hair and drag me down the hall, past my daughters room, into the bathroom and throw my phone out the second story window onto the walkway and then told me I was next. After I managed to get away, I went out and grabbed my phone because I knew it was the only way to call for help. When I walked in he was laughing about my broken phone, so I went with it and agreed it was broken (it wasn’t) I hit the record button and was able to catch the hour of insults about my weight, my looks, how he wishes I would have miscarried, tormenting me because I couldn’t call the cops with a “broken phone”, telling me that he hopes the coal stove goes out because “my kid” will be the first to die and how it will all be my fault, how he would love to blow my face off and watch me die. He then stomped up and down the steps about 15 times banging on the baby’s door and when she woke up scared and screaming, walked up to me and said “your kid is awake you better go get her” and off to his moms he went. I got the baby and messaged his mom not only what happened but also the video and her response was “you should have turned the heat down, now you upset him”. The next day I was told I had 30 days to get out of the house by his parents (apparently they still own it) they don’t care if me and the baby live in my car. My heart was shattered. A week into the 30 days he calls me and swears up and down that he would change, he loved me, he needed me. I knew better but was desperate to not have any regrets and to give him another shot. He came home, was home a night, his mother called and he was gone again and I was told he never loved me, and he was never coming home he just wanted to see me “devastated one last time.” So here I am  a little over 2 weeks and about to be homeless.  Worst case scenario is I can move back home, it will be a tight squeeze but I can’t take my pets. I feel he took so much from me I can’t let him take my pets. I promised them I would take care of them forever and my heart breaks for them but I will do what I have to for my daughter. So a few days ago I was offered a home of my own to rent to own. I attended a private school so my student loans are so high and before this happened I bought a car with a very high monthly payment with the promise he would help me pay it. So now I have both of those, and rent. The man who owns the house worked with me and he came up with a rent price and a deal I couldn’t resist. 2 days later after he spoke to his attorney and realized how much had to be done for rent to own he pulled the offer and told me I could buy it outright if I wanted to. Ok I thought I have a good paying job, I can get a mortgage. My credit wasn’t something I watched before, lesson learned, and when the banks all came back with no I didn’t know why. When I checked my credit score it was shocking. I didn’t understand it until I went in and saw all the credit cards he opened in my name and spent on guns and ammunition, quad and dirt bikes, remote cars and take out every day for lunch. And when the card was maxed out he would throw it away and throw the bills away before I got home.  I owe thousands!  I feel like my life is ruined and my heart actually hurts. All I want is a room for my daughter to sleep in that is her own.  A home I can make a fresh start in. A place we can call our own. The home I was going to originally rent is close to my family and is $40,000. It’s not fancy or big but it’s perfect for us to begin to heal and start our lives. I can’t get a mortgage and my family doesn’t have that kind of money laying around. I am desperate I don’t know where else to turn. I won’t let him win but I need help. If you can find it in your hearts to help, I would be forever grateful. My prayer is to be able to pay it forward someday and help someone out in this position. Thank you all for reading this. Even if you can’t help, it’s ok just say alittle prayer for me tonight.  That would also be very appreciated.

 

https://www.paypal.com/paypalme/Katemp333

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MISS

The Company’s procedure was wrong and handled badly.

My Temporary booking was confirmed by the Agency the week before Covid-19 Lockdown in the UK.  I had just been assigned to Temporary work and Training.

I missed the first week of Training with the Company because I was constantly vomiting, not realising that I had Covid-19, I thought my hay fever was affecting me, since I suffer with hay fever from February to September every year, but I soon realise what I was suffering from was no ordinary sickness. I suffered with hay fever since I was 11 years old.

I was diagnosed with Diabetes just after I got back from my brother’s funeral in America

in February 2019.

I was prescribed Metformin plus other medications for Diabetes, like Sitagliptin, Gliclazide and also Hypertension and Statin Tablets, plus other medications like Mirabegron for incontinence, plus others. Altogether, I was taking 13 Tablets every day.

I was working from home during this time.  Because it was the early days of the pandemic, we didn’t know enough about Covid-19 yet. I didn’t realise that I had the coronavirus back in March 2020, however, I noticed I had lost my sense of taste and smell and kept vomiting for the whole of that week.

The previous week I was chopping up some onions prior to 23 March 2020 and I could not smell the onions. Then while eating a tuna sandwich, I was chewing, but it was like eating cardboard. There was no taste at all. I had to throw it away.

My body felt as though I’d been run over by a bus. I was in pain all over. My torso felt like rubber. That was round about the time when people were blaming 5G.  We were told not to visit the doctors or hospital, so I stayed home.

I had to keep a bowl on my bed next to my pillow, because every time I lifted my head up off the pillow, the room was spinning, and I would start to vomit constantly.  I vomited every day for one whole week. My next-door neighbour could hear me vomiting.  She was kind enough to buy me some soup and leave it outside my front door, when she realised, I was very poorly. By the end of the same week, I had to ring my doctor and ask for some emergency anti-sickness tablets to stop the vomiting.

When the tablets arrived, the first 2 tabs I took, stopped the vomiting, but I was still poorly and very ill, even though I resumed work on the laptop at home. 3 weeks later I lost the job.

That same week 23 March 2020 I was supposed to be attending Training at the Firm (online). I had just got a Temporary Job with, (online working from Home), but obviously I could not attend because I was very sick. My close friend phoned me nearly every day to see how I was, and she said Jeez, you sound very ill, maybe you’ve got Covid-19, so I said “No, I don’t think so”. Then she said, “I’ve never heard your voice sounding like that before”.

I was extremely tired and fatigued. I did not have a Fever nor a Temperature, but I was very weak.

I kept listening to the news whilst laying down and it seems like everyone reacted to Covid-19 differently.

Everyone has different symptoms. I was extremely ill.  Had I known I was suffering from Covid-19, I would not have resumed work on 30th March 2020 (albeit working from Home). I was still very poorly and unable to concentrate. I had brain fog and didn’t even know it.  My skin had changed colour, I had gigantic goose pimples, which I still have to this day.

I was unable to open a bottle, because both my thumbs were extremely painful because of Covid-19.

My fingers were swollen. My eyesight was also impaired because of the virus.  I have Long Covid now.

I was confused. I got up to go to the bathroom one morning and instead of turning right, I turned left and went outside my front door bare foot.  I then caught myself and realised that I was not where I wanted to be, so I quickly went back inside and went to the bathroom.

My friend rang me later on to see if I was ok and said to me “it sounds like you have COVID-19, but I told her I didn’t have a fever, nor temperature, so how could it possibly be Covid-19?

I was obviously still extremely ill, but I was determined that I did not and would not go into hospital. If I did, then I would not come out alive, because too many people were dying in the hospital at the time. I’m not knocking the hospitals nor staff, just that the infection was high and spreading like wildfire.

It was weeks after lockdown, that it was announced on the news that if someone has Diabetes, they’re in the high-risk category.

Covid 19 really wreaks havoc on the body, because in July 2020 I had to go to the hospital for a scan (had a constant pain down the right side of my head and in my neck for nearly 4 weeks), but after the scan, the Consultant at the hospital said they didn’t find anything suspicious but told me that I may need to see a chiropractor.

One lady on TV said she is in her 9th week of contracting the virus and she is still recovering.

It definitely affects your cognitive side of things, I found it difficult and very hard to focus and concentrate. My eyesight had also altered because of Covid-19.

I was off sick from 23 March 2020 to 29 March 2020 and resumed work on 30 March 2020 and still had Covid-19 and trying to recover. The next thing I knew, I got a phone call from the Agency telling me that the Manager is pulling me off the assignment. By now I was 3 weeks working for the company. Who gets laid off for having Covid-19 or recovering from it? If it was Covid-19, I didn’t think anybody can recover from Covid-19 in one week.

My Agency rang me on 13th April and told me that the Company is pulling me off the job. I was so ill at the time, I forgot to ask them why?

It’s a very serious disease that has killed many thousands of people.  The government is quite strict about this Covid-19.

At first, I thought it was my hay fever that made me so ill. I really struggled to type and concentrate.

All my fingers were completely swollen. Even my skin had changed colour and goose pimples were massive on my arms, but yet I wasn’t feeling cold!!  How strange?

On certain parts of my body my skin was peeling like fish scales. I got frightened because I didn’t know what was happening to my body. I just didn’t know what was happening to me.  It was on the news every day, that if you have Covid-19 or flu-like symptoms, DO NOT ATTEND THE SURGERY OR HOSPITAL. I had flu-like symptoms, so I stayed home.

Being a Diabetic as well with Hypertension and High Cholesterol (and being an elderly person in my mid 60s), I’m obviously in the vulnerable category.

When I had a Covid-19 Test in August 2020, the Consultant told me I had Covid-19 because I have the antibodies now.

The Prime Minister had Covid-19 and then he needed a few extra weeks to recover from it.

The thing is, I’ve been following the guidelines of washing hands etc, but I must have picked up the virus in the supermarket or on the bus a few days before Lockdown. I started working for this particular company (CMS_UK, a law firm) on 23rd March 2020 and on 24th March 2020 I started vomiting violently.

The day the Lockdown started 23rd March 2020 in the UK, which was the very same day I started working from home for the same company.  That was also the same day the equipment from the Company was delivered to me at home.

My Question is this:  Can a Company sack someone because they were suffering/Recovering from Covid-19 and could not carry out their duties because they were extremely ill with the virus?

No Duty of Care seemed to have been adhered to by the Company, where I was concerned. I was having trouble logging on anyway, apart from still being extremely unwell, delirious and my cognitive thinking was severely out of kilter.

On the two occasions I rang both the Agency and the firm, there was no reply. I did call back again later but got no reply from either.

The Agency phoned me on 13th April and told me that the Manager is pulling me off the job and also there is not enough work.  “Not enough Work” was a lie, because I found out that he replaced me with 2 new individuals after I was sacked (even though I was a Temporary Worker).

I felt I did not have any support whilst I was sick. The sickness was bad enough which caused me great anxiety and confusion.

Being told that I was sacked made matters worse for me, my bills have all mounted up due to no income for quite a number of weeks now being stopped. This has thrown me into debt, in the middle of a pandemic.  How can an employer sack an employee just because the employee because I had flu-like symptoms which turned out to be Covid-19? If I was doing something wrong or illegal, I could understand, why was there no disciplinary or Warning? nothing? The Manager failed to discuss any shortcomings with me (if there was any).  He just was not interested in my wellbeing. This was in the middle of a pandemic; how can you not take the virus serious when so many people were dying from it every day? It was all over the news on a daily basis and was happening all over the world. I was lucky to still be alive. Many people died.

Obviously, the Manager was annoyed that I could not attend the Training, but he failed to communicate with me, instead, he sneakily phoned the Agency behind my back and asked them to pull me off the job. No one works harder than me.  I even volunteered to stay late and help out instead of finishing at the exact time when my shift ends.

I was suffering from Covid-19 right in the middle of a Pandemic when the whole country was in Lockdown. Having the virus without realising I had it, affected my mental health and clarity severely. I was highly stressed at the time, as I did not even know what was happening to me.

When I kept ringing the Agency, they either would not answer the phone, or they were “in a meeting”.  I felt my wellbeing was overlooked and I was treated unfairly as a Temporary worker due to Coronavirus illness. The Manager did not seem to care about how ill I was or wasn’t.  I missed the very first week of training because I was constantly vomiting.  I could not eat or drink any fluids. I felt as if I was at death’s door, no fluids or food would stay down.  My skin even changed colour and started peeling whilst I was ill in 2020.

I don’t even know where I caught the Covid-19 virus from.

I really enjoyed my job as a DP (Document Production) operator (also known as a Document Specialist Producer).  I worked as a DP operator nearly all my life I was with one firm for a few years until my department was made redundant in 2019.  CMS has taken all that away from me. I feel that the Manager needs more training in communication skills and people skills. How could he not know that we were in a pandemic to show some empathy towards me.  It’s alright knowing how to produce, manipulate, amend and format documents etc, but as a manager, what is the point if you have no people skills or communication skills and fail to correspond properly with your worker(s).

Now I stand to lose my home, even though I have been looking for work ever since, but unfortunately nothing permanent has come up.  Hardly any firms were hiring.  Those that were hiring were part-time.  I also did not mind working from home.

I’ve sent off my CV to various companies, and applied for jobs, but they just don’t get back to you or sometimes they come back with the wrong “suitable” jobs, but I will keep trying.

I cannot go on like this with this worry about being able to pay my bills or not, hanging over my heard.

I sometimes sit in my bedroom in the cold with just extra layers on to keep warm.

Right now, I have no hot water, but that’s okay. I can get round that by boiling the kettle to have a wash and wash dishes.  The other little luxuries like a washing machine stopped working a few years ago, so I put the clothes in a trolley and take them to the launderette.  I’ve had the same washing machine for 34 years. It just needs throwing out now.  The fridge is on its way out too, but I can still get by with it. Its rickety and making funny noises, but it’s still keeping the food inside chilled.  I can get by with these old items, but only the Mortgage is really urgent now. The Freezer packed up a few years ago, but that’s the least of my worries.  It’s not essential.  The priority right now is to keep a roof over my head.  It’s just too cold for an old lady to be homeless on the streets.  Universal Credit (welfare) is just to get you by with Food, it cannot pay all your bills. I’m not ungrateful, just wish things were a bit different and affordable.  I’m even very ashamed to tell you when I last had a shower, but at least I can have a strip wash by boiling the kettle and use a basin.

That firm has really messed up my life, because depression set in so badly when I lost my job.

My Credit score, my health and my whole life is in ruins now.

I found Temporary work on and off, but the duration of these temporary work is only for either 1 or 2 months or a maximum of 6 months. I’ve just finished doing a 6-month Temporary assignment (May to November 2022).  Now ‘ve been jobhunting since.  I will keep trying though.

As a Temporary worker, here in the UK we don’t have any rights. You must be working with the Company for more than 2 years before you have any concrete rights.

My mortgage is an interest-only mortgage.  When I asked the bank a few years ago if I can start paying off the capital, they said I would have to pay £20,000 up front first.  I told them that I did not have £20,000 up front at that time, so I just carried on paying the interest-only payments just to keep a roof over my head.  Now the interest rate has been rising here in the UK at an exponential speed.  In January 2022, I was paying £464 monthly.  The interest rate has gone through the roof now.  I now owe the Bank more than £193,937.77 plus a further £29,000 Loan that I owe on my previous current account with the Bank that I have not been able to pay off the Loan through lack of work, plus my credit cards of appx £12,000 which I have not used since 2019. I used to have two jobs when I was in my 30s but had to pay back a lot of tax to the Taxman.  My income ever since was just not enough to cover all my outgoing bills, when you take into consideration Bills etc. I live by myself.

Unfortunately, I have no idea how I am going to pay off the Mortgage, because it all has to be paid off by 1st January 2023, otherwise I will most probably be homeless (foreclosure).  The Bank has asked me to contact them on 31st December 2022 to let them know if I can pay off the mortgage. I would be extremely grateful if someone, anyone can help me keep a roof over my head.  I have no family here that is able to help.  My eldest sister lives in the States, she turned 75 on Christmas Eve. I will be 65 years old in January 2023. I have no relatives that have that sort of money to help me out. I know Time is of the essence now.

It would be interesting to know if other people have been sacked because they caught Covid-19.

It’s wrong to treat an employee like this and I think these firms should pay for the hardship and mental problems they have caused to innocent individuals who came down with the virus through no fault of their own.

I occasionally go to the Food Bank for help. I’m very grateful for the help/support they can provide, not just for myself but for others who are suffering too. I didn’t mind spending Christmas on my own, because trawling through the internet for jobs is like a full-time chore.  The Jobcentre wants me to spend 35 hours per week looking for jobs.  I will do that.  If I don’t, they will sanction me. I’m not a lazy person, I have always worked since I left school in 1974.  Only recently technology keeps changing and one must try and keep up.

Thank you in advance for any donation you can provide to help this old lady keep a roof over her head in this cold season.

Thank you again you Lovely and kind people.

ML

https://paypal.me/Nfwycf274?country.x=GB&locale.x=en_GB

 

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Help mother and daughter get caught up on mortgage, property taxes, and repair car

Hi, my name is Jackie, I am struggling to stay afloat as I am going through a divorce from my husband after our youngest daughter passed away. I left the house I was living in with my husband and moved in with my oldest daughter. About a year after I moved in she lost her job due to Covid and has been having trouble finding work.  She has applied for disability as she has emotional, mental, and anxiety issues (from losing her sister and her children’s father who has also passed away),  so I have been paying all the household expenses. Mortgage, utilities, food, car insurance, gas, pet food, household items, etc. I have fallen behind on the mortgage and property taxes. Thankfully, the mortgage is through a private lender and has been very understanding to this point. However, they have stated one more missed payment and they will foreclose. I am going on 3 years behind on the property taxes (not included in the mortgage). The tax office sent a letter stating the property may be sold at a future date if not paid by 09/30/2022. I  attached a copy of the letter from the tax office. It is now the end of the year and I still have not been able to pay. My car has a leak (I think oil) and I can’t afford to have it repaired or buy a new one. It’s an older car (2003) and is starting to fall apart but it’s all I have and so far it has gotten me to where I need to go.  I could really use some help to get us caught up so we do not end up losing our home. It’s not a fancy home. It’s an old trailer home, but it’s our home and I don’t know what we would do if we lost it. It has really been a rough couple of years for us. With losing my daughter it is a challenge to have the will to get up some days. I do my best every day to try and remain positive, however, some days it just’s really hard to have a positive outlook on life, especially when you feel like your drowning and you don’t see a way out. I pray someone will find it in their hearts and be our angel and help us. Thank you for taking the time to read this.

paypalme.me/lookingforanangel

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Please help

I am a front line health care worker who has been off work for over a year now due to long haul Covid related health issues. My husband has been off work due to having cancer requiring chemotherapy and radiation. We having been trying to borrow from Peter to pay Paul to keep our heads above the water but everything is now maxed out and we have no where to turn. We have no family or friends who are in a position to help more than they already have. We have even utilized the high interest rate options such as cash money and Cashco. The banks are not willing to take a chance on us by giving us a loan or line of credit.  We have $15000 in credit card debt, an $85000 (paying interest only) 2nd mortgage and $25000 in personal loans.  We have sold what we can on Marketplace or Kijji and are trying very hard not to lose what we have left. Money has always been tight for us as we were both in debt from previous relationships when we met. We have been married for 28 years. We never had the chance to get out of debt as we had 2 children that were born with special needs. Being a nurse our family income was too high for the subsidies and services that were available, although we did access what we could. That led us to remortgaging our house many times over. One of us (my husband or I) always had 2 jobs to help pay the bills but never allowed us to build any kind of emergency fund. Our 1 child is on AISH but still requires financial support from us. We thought when our youngest turned 21 we could finally start to focus on us and the future. Unfortunately that’s when cancer and Covid struck our life. Without the ability to work and make ends meet we are at a loss. We have always believe in helping if we could (usually in the form of volunteering) and paying it forward. I can promise with all my heart when life turns around for us we will be there for someone like you have been there for us. Thanking you for taking the time to read this and perhaps help doesn’t seem adequate but truly and sincerely

THANK YOU.https://paypal.me/changealife51?country.x=CA&locale.x=en_US

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Help Me Help Others

First, if you are reading this, Stop!

Go help someone else.

Seriously.

I am really and truly writing this so that I can help others. I can do that by sending you somewhere else on this site.

Maybe sending you away won’t help me and the people I currently have in mind, but so what?

Go on, get out of here, come back if you still have a little to give after that.

If you have come back, just… Wow. Whether or not you choose to help me by the time you are done reading this ridiculously long note, thank you. Thank you for going away and thank you for coming back.

So here it is:

In the past I have always been one to help. Friends, acquaintances, strangers. Among other things, I have given money that I have not always had, paid for medications, taken in pets, driven people hours, given time, and given my home to many, many people.

Beyond helping, and most of all, I have cared deeply about people. Even, perhaps, sometimes when they did not deserve it.

Years go by and times change, I have had a rollercoaster of a time. Not worth getting into except to say that after a very long time I again have a decent job and a roof over my head. Even if the pay is half of what it used to be and the roof is not my own.

Except I am not in a position to help others and I have a feeling some of those I care deeply for are going to need that help soon.

Really, the cost of extricating them fully from the mess they have managed is far, far beyond my means. 

But they are almost certainly going to need shelter and, while I do not have it to give just at the moment, getting some should not be that hard. Besides, it is time I moved from where I am anyway.

I can maybe rent a place tomorrow, but I had been planning on buying a bit down the road. My current spot allows me to save rapidly towards that goal, but renting would cut my ability to save to almost nothing.

My choice was/is accelerate my timeline or give up on buying all together. So, knowing it will mean a worse house or worse area and a worse mortgage than I was aiming for, I chose to accelerate for their sake.

I have cut back on everything to save more, begun selling as much as I can on eBay and family member has offered a small loan. I should be able to pull together a reasonable down payment and closing costs in 3 or 4 months.

But it is now looking like the bottom is going to fall out on my friends at any moment and I am unlikely to get even the 3. I am running out of time.

And so, feeling some mixture of embarrassment, shame and disgust, I am writing this. I always endeavor to give, not take and I feel wretched asking.

But, if you have made it this far, already helped someone like I asked you to at the top and, after reading this, have a little you are considering throwing my way then thank you.

I will not pretend that you would not be helping me and, really, I am doing fine, but every little bit will also help me help friends in a bad situation and others down the line.

I will likely never be able to repay you except by paying it forward but I promise I will do that.

Regards,

BE

https://paypal.me/saeculum?country.x=US&locale.x=en_US