Showing posts with label debt. Show all posts
Showing posts with label debt. Show all posts

Wednesday, June 09, 2010

HEllo. My NAME is JERemy. How MAY I help you?

I've met a Max, a Peter and now a Jeremy, all in the same sing-song voice of the Subcontinent.  My Master Card is issued by a Nevada bank and yet each time I call, it is a "Frank" or a "Sam" or a "Jason" who answers.  I know these are not their real names because I know my call has been routed to India.  I know that because the agents' English is too crude to communicate anything tricky to.  My prescriptions, for instance.  I order them from Vancouver, B.C. but they ship either from the U.K. or Australia.  This means I have to call Master Card and warn them that a foreign charge is about to occur and that I made it.  Who knew that involving three countries could cause so much non-understanding?  Three times in a row they have refused the charge.  I call again and tell Leslie or Sarah that I called seventy-two hours ago and confirmed the charge.  Promises are made, then broken.  Finally, my Canadian pharmacy put the script through in India, where the charge is passed as though I were putting an envelope in the collection basket.

I've paid about half my credit card debt off in the last year and Master Card is the Mother of All Credit Card debts.  When I opened my statement this month, I noticed a $90 charge for credit card and identity coverage.  I'm sure it's a wonderful concept but hello -- that's almost a hundred dollars a month, which is twelve hundred dollars a year in additional charges.  I have credit cards whose spending limit is less than that.

All I want to do is pay that bastard off.  I told Jeremy to remove the charge which I hadn't approved in the first place and he began reading from a script.  I cut across him, "Just take it off and unenroll me."  He switched to another script in which it was all my fault: I'm carrying a high balance and that's why my identity is more expensive.

(Shouldn't I be less expensive, since a fraudulent me would reach my credit limit sooner?  A zero-balance only means Master Card would have to chase down or eat $10,000 in charges rather than $4,000, a significant savings to them.)

I cut across Jeremy again.  "Just.  Take.  It.  Off."  He tried again and I stopped him by telling him I know he has to read this script ("I'm not reading...") but the point is that I want to reduce my balance, not pay another hundred dollars just to stay in the same place.  He tried one more time but I started shaking in fury, something I communicated without swearing or yelling.  The way he pouted when he said he was unenrolling me and removing the charge was meant to shame me, as though his year-old-son would be going to bed hungry that night because of my evil.

Americans complain vociferously about our jobs being exported to Asia, where they are done sooner, cheaper and, in some cases, better.  But here is a job that needs to be brought back to our shores.  "Sam" and "Carrie" do not understand that I can order about two hundred dollars' goods from Canada but it might be shipped from England or maybe from some place else.  They can't even understand me when I call to say I'll be in Czech Republic next week.

Dear Direct Merchants:  My money is, like, really sensitive shit to me.  So is the Wellbutrin your agents are blocking.  Could you please move your 1-800 center to an American state in need of job opportunities?   The Rust Belt is yours or maybe Mississippi.  Montana is good -- very little accent, low per capita income, cheap rents, and the weather is, um, cool most of the year.

Except when it's not.

Friday, September 26, 2008

"All I want," she sighed, "is..."


Let me start off by thanking you for your understanding, advice and support. Further, I'm feeling a little grayer after so much blackness. Getting a very small cold that's kept me away from the nursing home has also given me a small space -- very small because I've been sleeping like it's my new profession and I am not abstinent. There hasn't been room for the Great American Novel in the gap my cold gave me, or even room to do the laundry or bathe every day. But I'm in less despair than a week ago.

Just before I set out on the afternoon dog rounds, I was sitting in my kitchen not enjoying the taste of my coffee and whining to myself. "I don't even know what I want," I said of today's soporific atmosphere.

That was immediately and transparently one of the stupidest things I've ever said.

I want to be abstinent, I retorted.

I want a bunch of money.
I want to be thin.
I want to start chapter three of my novel.
I want to get Pam's situation under control.
I want some energy.
I want to be in [my 12-step] Program.

Those were the items that came to mind at the moment. Here are some more:

I want to live in a home where I can give a dinner party.
I want my body not to ache.
I want a television that's not snowy and a DVD player in both my computer and my television that works.
I want Barak Obama to win the election. I want him to get us the hell out of Iraq. I want him to make Brian Schweitzer Secretary of Energy.
I want to go on a real vacation.
I want my debt to be less that five thousand dollars.
I want to know if my Missoula friends are still my friends.
I want lilac bushes.

I have no illusions that these things will make me happy-with-a-capital-H-Happy, but they would certainly promote comfort, satisfaction, community, existential meaning, and hope.

What have I done as I've slowly (and I do mean slowly) pulled myself up out of this dark place? I ordered most of my Christmas presents. I figured out how to make some stuff on Cafe Press. I've given reasonably good dog. I've eaten what I wanted, or thought I wanted, at night.

As I look at this list, I'm struck by how achievable they are. I'm pretty powerless over Pam's recovery in and of itself but I can coordinate things to facilitate it. I'm quite powerless over the election and I wish the Obama people would stop emailing me forty times a day to "call my friends and talk them into voting" for him. They have in their records my zip code. I live in a zip code that sports Obama placards in twentieth-story apartments; I don't know anyone here who's not voting for him and I won't risk yet another family schism by talking about it in certain quarters.

I'm utterly powerless over the appointment of Schweitzer to a new cabinet.

I'd say the big stumbling block in the way of everything is lack of abstinence and lack of energy.

I wonder if they're the same thing.