Check your credit score

Back in October, I applied for a loan with Spring Financial. I didn't get the approval, which was eye-opening. I was also thankful that I didn't. I ended up getting a consumer proposal and focusing on fixing my finances.

Spring Financial recommended that I go with its plan of taking out a tradeline. It is kind of a loan, except that you pay a monthly fee to have this company report good things to Canada's two credit bureaus about your credit history.

I remember getting digital forms from Spring Financial. I declined signing them. I felt that this tradeline was a waste of money. I'd rather get a secured credit card and have that credit card company report my progress to the credit bureaus without paying a fee.

I went on Spring Financial's site and chatted with someone. I asked whether not signing would confirm that I didn't want the loan. The person said yes.

I had a feeling that it wasn't the case. Sure enough, I looked at my credit report that I get through Credit Karma. It's free, which is why I like it.

Spring Financial created a tradeline account for me on October 11. It reported that I was late with my payments for both November and December.

What?

First, I don't have a loan with this company. I never signed any paperwork. Second, it claims that I have a $5000 loan. I don't. Funds were never deposited into my account. Third, I missed payments for two months. I didn't know that I needed to because I don't have a loan.

A couple of days ago, I went back on Spring's chat. I got disconnected the first time. I got the same representative the second time. I wanted this alleged loan closed. I also wanted this company to fix the erroneous credit reporting to both bureaus.

Well, I got a response from Spring Financial yesterday:

We are reaching out to notify you of an issue we have identified regarding a tradeline created on your credit bureau from Spring Financial.

When you applied with Spring Financial, an account was created under your name; however, due to an error, the file submitted to the credit bureaus included inactive accounts. We have since corrected this and will be sending a revised file to the credit bureaus, informing them of the error. We have directly contacted both Equifax and TransUnion with an urgent request to address this matter promptly, however we have been informed that the update can take up to 30-60 days to reflect on each respective credit report.

We sincerely apologize for this oversight and want to assure you that once the incorrect tradeline is removed, it will have no adverse impact on your credit report or history.

We appreciate your patience as we work to resolve this matter. If you have any additional questions or concerns, please don't hesitate to reach out to us directly.

Thank you,

Customer Service

The wording is poor. I identified Spring Financial's issue that directly affects me. I had to tell you about it so that you could investigate it further. Let's be clear. Had I not reported it, Spring Financial would be ruining my credit rating and other people's credit ratings.

I'll be watching my credit score and report like a hawk to make sure that this issue is fixed. Otherwise, I have no problem following up with Spring Financial. It should not be erroneously reporting to credit bureaus when I don't have any products from this company.

I recommend checking your credit score. You don't want a company ruining your score because it is erroneously reporting details to credit bureaus.

In a credit card bind and having to reach out to my ex

A couple of Thursdays ago, I drove up from the Twin Cities to Winnipeg. There was a snowstorm with reduced visibility. I managed to get to Winnipeg safely.

I had a problem checking into my hotel. I had a one-night stay before flying home on Friday. I also booked a hotel near Toronto Pearson International Airport in case I was too tired to drive home. My flight would get in late that night.

At the hotel in Winnipeg, my credit card was declined. I didn't understand why as I had just used it all day for fuel, food, and more. 

I didn't have a backup credit card. My other credit card was in the mail. Canada Post was on strike. The strike is over, but it will take some time to get it.

I had to find someone to bail me out. It was 9:30 pm Central time. It was 10:30 pm Eastern to figure out who could help me out at this time of night.

I did something that I didn't want to do. I texted and called my ex. Naturally, he didn't pick up or respond.

He did text me over 24 hours later. I said that it was urgent. He didn't respond, so I moved on. All I got from that text exchange was a thumbs-up reaction from him.

He was too late. The usual.

It reinforced the fact that he has never been there for me when I needed him. I managed to find a friend who was willing to e-transfer $400 to me.

The hotel room was just over $200 a night. I needed to supply a security deposit, which I felt was ridiculous being almost twice the amount of my hotel room.

I checked out the following day. I immediately sent an e-transfer to my friend for the security deposit. Today, I sent the remaining funds that I owed to her for the room rate.

I am thankful that I have friends who are kind and trusting. I am truly grateful for their help.

It turns out that the hotel by the airport prematurely charged my room and deposit to my card. It explains why I couldn't check in at the hotel in Winnipeg.

I cancelled my reservation at the hotel by the airport. The funds were released. I wasn't impressed by this premature charging move.

What I should have done was to prepay for my hotel in Winnipeg. It would have guaranteed my stay without the hotel in Toronto getting to my card first with a premature hold.

I hope that I never have to reach out to my ex. I expected that he wouldn't jump at helping me. Sadly, I was correct.

Merry Christmas and more!

Hi, there! It has been a while. I hope that you are well.

I'd like to wish you a happy Christmas with family and loved ones, if you celebrate it. This year will be the first time in years in which I am not cooking a turkey dinner. 

I just came back from a week in the Twin Cities and Winnipeg. I ended up catching a nasty cold. I have been sleeping it off for days. Right now, I feel the most energetic in days. I still have a phlegmy cough. At least I am on the mend and don't have to go back to work until the second week of January.

I was too weak and sick to hit the grocery store. I'm fine with soup and items that I have at home. It's just not a full-blown turkey dinner that I typically make for my parents and me.

On Christmas eve, I had a financial counselling appointment pertaining to my consumer proposal. The Teams link didn't work. I sat there waiting to be admitted. I cancelled the call, which prompted the woman to say that we could do it over the phone.

I have a lot of thoughts about my consumer proposal. I am happy with it on the whole. The firm preparing those who are going through one for the first time needs to provide more support.

I hope to write more here. It has been a challenge trying to focus when my blog has changed its original purpose. It will be about whatever I am experiencing in my life. I haven't thought about spanking in ages.

Consumer proposal for debt and bank account change

I have been swimming in debt for a while. It felt like I wasn't progressing with the high interest that I was paying on my credit cards and loans.

I decided to get help. I'm currently in the process of getting a consumer proposal. It's a government program that involves repaying a portion of your debt. A licensed Insolvency Trustee negotiates with creditors on how much you need to repay.

This proposal consolidates the debt into manageable payments. It freezes debt interest charges. It also reduces stress.

The catch is that I needed to change banks. I can't have a credit card that is a part of this proposal with a bank account that gets my pay directly deposited. When this proposal is approved, sometimes credit card companies will take money from your chequing account to pay off the credit card before it is communicated that the proposal is official.

I had to change where my paycheque would be directly deposited. The change was straightforward through our Dayforce site. 

I was a bit stressed out that I did this change on Thanksgiving Day and it was immediately approved. I didn't know when the change would kick in. Would it be seamless or would I get a cheque mailed to me?

Well, all that stress went away. My pay was deposited last night, which was early. My payday is officially on Thursday. Bi-weekly.

I'm relieved!

I asked about how long it will take for my consumer proposal to be official. I got 1.5 weeks at least. I'm approaching one week on Friday. We had Thanksgiving Day, so I need to take that day out in my calculation.

Finding my best friend from grade 7 and debating whether to contact her

I don't write as much as I used to here. It's partly life. It's partly because I am not in an intimate relationship.

I have topics to write about. I haven't prioritized posting them.

I do have some news to share. It's good news. I'm just not sure if I should take the bold step and reach out, or let the past stay in the past.

In grade 7, I was best friends with a person. I'll call her Candy. She was awesome, except that she was teased whenever someone would tap her on the shoulder or give her a hug.

I don't think we ever hugged. I didn't want to trigger anything. I never asked why she was so sensitive. I figured it out in grade 8.

We were in extended French class. We had an exercise to reveal a secret by writing it on a piece of paper. It would then be placed in a jar. Each one of us would fish out an entry, read it, and figure out who it was.

Candy asked how to say abuse in French. It caught my attention. It also caught the attention of two of our classmates.

We reported it to our French teacher. She spent a lot of time talking to counsellors after she shared what had happened to her. Our friendship started to change, well into grades 9 and 10.

She became a feminist. She didn't like eating lunch with our usual friends in the cafeteria. She preferred to eat lunch in the washroom.

We used to walk up to school and home together. All that stopped.

She changed high schools. We drifted apart. We saw each other a couple of times in Toronto. Once was when we were in grade 12. The last time was when I was in my second year of undergraduate studies. We met in a store on Yonge Street. She called my name. I said hi. That was it.

I have thought about her often over the years. I'd try searching for her online. Nothing.

I gave it a try today. Somehow, my persistence worked. It also helped that she openly stated her birthday on her Web site, right down to the year. I looked at her birthmark on her forehead and immediately knew that it was her.

She is definitely more verbally articulate than she used to be. She is far more open about being abused and her past. I didn't realize that she automatically grew up in a cult and ran away from home shortly after she changed school.

She changed her last name after she ran away from home. It explains one reason why I had a tough time finding her.

I'd like to contact her and say hi. I don't know whether that's a good idea. The abuse that she endured happened while we were best friends. She couldn't tell me anything because her abusers threatened to kill her, which is understandable.

Part of me wants to because I care that she's alive and seems to be doing well. Part of me thinks that if I do reach out, I will be resurrecting the horrible abuse flashbacks that was happening. 

I would like to think that our friendship was maybe an escape from this abuse. I just don't know.

I will sit on it and think some more. I am happy that she's doing great. She seems healthy. She is an author and an artist. 

My mom chewing and spitting out her food

I keep seeing my mom change these days. Her memory is on the decline. She says hi to me multiple times within a five-minute span. She has incontinence issues and often doesn't know whether she needs to relieve herself.

As of late, I've noticed that she chews her food and spits it out. I don't know if she has now forgotten how to swallow or if she physically can't swallow solid food.

She is fine with drinking fluids. The worst case scenario would be to blend her foods and have her drink shakes.

She will chew fruit and spit it out. It's more textured foods that she doesn't seem to swallow.

It has been interesting. I can see how frustrated my dad is with her. It's a challenge to say the least.

Hairbrush incident at my local drugstore

It's a long weekend. Today is Victoria Day in Canada.

I had meant to do a trip to Winnipeg this long weekend. Due to my getting a head cold on Tuesday and saving some money, I made it a staycation. It's a longer long weekend for me.

On Thursday, I was feeling a bit better. My mom is having issues with incontinence these days. She is losing her memory, and doesn't seem to know when she needs to use the bathroom or where she should go. I decided to find some incontinence pads at a nearby drugstore.

When I got there, I cut through the hair accessories aisle to get to the incontinence section. There was a woman there. She took a brand new Goody hairbrush and proceeded to brush her hair with it.

One word: Ew!

I was congested and grossed out by what I had witnessed. I couldn't keep my thoughts to myself.

Me to the woman: Are you going to buy it?

Crickets. She decides to put it back on the hanger.

Me: You just used it. It's unsanitary and gross to put it back.

I walked away. I thought that I had felt good to come shop here. I didn't after seeing that move. Disgusting!

Now when I go to the hair accessories aisle, I'm not taking the first brush hanging there.

On the receiving end of road rage

Hello! It has been a while.

I recently when back to re-reading posts that I wrote years ago on another personal blog. I wrote about concerts. I wrote daily, similar to what I used to do here. I loved the level of detail that I had in each post.

I'd love to return and do the same thing here. It was inspiring. It was nice to read what I had written. I realized that I was a decent writer then.

This post is about a road rage incident that happened to me last Thursday.

I have so much to say about a company that I didn't expect to write about. If I could give this business zero stars on any business review platform, I would. The only positive aspect of my experience was talking to Eugene when I reported a disturbing road rage issue. Highlight Motor Group needs to highlight his excellent listening, reporting, and investigative skills. Otherwise, I have a tainted, disturbing impression of this company.

On Thursday, after work, I left work to head to Mississauga. I decided to take highway 401. Normally, I do the 407 heading there and backroad it home. Part of me regrets doing my norm.

I was in the express lanes. Avenue Road has construction and is down to two lanes. I needed to stay in the express lanes. I signalled, found a reasonable space to merge into the right lane.

The truck behind me took offence to my move and leaned on the horn for maybe five seconds. I waved to him, thanking him for letting me in. Another car did the same move as I did and was now between me and the truck.

What I didn't expect was this truck moving into the left lane. It ran parallel to my car. The guy in the passenger seat lowered his window and threw an object at my car door. The object looked like a full can of soda, but it was shorter height-wise and wider in the middle.

A friend recently told me that I'm an extremely calm person in crazy situations. I was definitely shocked when I heard the thud. My first thought was wow. My second thought was to document the situation. I'm a writer. I tell stories. This one is mine to own.

Road rage is real. It was my first time experiencing it at this escalated, physical level.

The two men in the truck are obviously not gifted intellectually. Do you think that you can throw a tantrum because you have no grace letting someone into a lane and get away with it? You're on the 401 at rush hour. You can't flee and not have me take photos of your truck, your freight number, and licence plate.

I took three photos. I called the toll-free number, and got the compliance and safety department. I talked to Eugene, who was a good listener and was understanding.

I took this photo seconds after the trailer in the left lane threw an object at my car

Trailer details

Third photo capturing licence plate details and more

He asked me what colour the truck was. At first, he thought it was a trailer and the truck may be leased to another company. That's when I said that it was indeed a truck and I could send him photos.

He wanted to give me his cell phone number. I said that I was driving. It would be best that he take my cell phone number and text me. This company has call display. He sent me a text. I sent him my photos. He confirmed that the truck was theirs.

He said that he would have the folks dispatched to get the scoop on what had happened. I appreciated it.

I let him know how I felt. Both men needed anger management help. No one is safe being on the same road with these men who are jerks. Why launch an object at a vehicle because you're immature, you don't know how to handle your emotions, and you can't be courteous on a highway? You are unprofessional and are unfit to drive on any road.

These men picked the wrong person to target their road rage. I am not afraid to report you. If I really wanted to seek legal counsel, I could. It's illegal to throw objects on any 400-series highway and cause mischief.

You targeted me. You didn't feel the same rage with the person behind me who made the same move. Why? Do you want me to pull the female, Asian card out? I could. You've proven to be dense with your stunt that it wouldn't surprise me that you're also biased and full of hate.

You both were cowards. You realized that you couldn't pull ahead quickly in time for me to get your truck information. You moved in front of the trailer in front of me after this detailed hit you. Too late.

You should have thought about the consequences of your actions. You're dealing with me. You tried to cause harm to me and my vehicle. You're in for an unpleasant ride.

Today, I followed up with Eugene. He let me know that the driver had a meeting and "we will come to a solution on how to best resolve the situation."

Texting with Eugene from the company's compliance and safety department

As long as this company doesn't sweep this incident under any rug. I'll be pleased. I truly want them to get help with their anger or get training on how to be respectful drivers. Their actions were unwarranted and need corrective action.

I read this company's reviews on Google. You get a mix of employees who give high praise. Reviews with five stars automatically get a response of thanks from the owner. It seems wrong to review your own employer. If you have a rating that isn't five stars, the owner doesn't acknowledge it.

One word: suspect.

There was one review in which a driver had both feet up on the dashboard, on an interstate, driving. There were photos. The owner never acknowledged the need to talk to this driver about how unsafe it was to drive this way.

I'd stay away from doing any business with this company. It's in your best interest to stay alive. If I spot any vehicle from Highlight Motor Company, I'm steering clear from it.

My mom and her memory

I haven't been writing a whole lot here. I don't think it's because I have nothing to write about or that I'm lazy.

I haven't felt the need to write anything just yet.

It's likely because I'm still processing things. Trying to come to grips with my mom's memory loss is one of them.

She often opens and closes the front door. She'll bolt the door with the security chain lock without remembering that either my dad or I are about to return to the house. It's weird.

She will also open and close the washroom door on the main floor. It's a bit difficult to tell whether she needs to use the washroom and forgets to walk through the door, or if it's the same habit that she has with the front door.

Last Monday, she fell down in the washroom. My dad and I had to help get her off the floor. Thankfully, she doesn't fall down often. When she does, it's a bit scary. Luckily, she was fine.