How it all Came Down

Update on Running Out of Time

I

f you have been reading my posts you probably have already figured out that the bank did not foreclose. Somehow we managed to get the money to the lawyers on time.

This is how it happened.

Remember, my husband had been speaking to our local MPP's assistant? Well my husband gave a copy of the psychologist's diagnosis to Nick who shared it with the MPP. Interestingly, the MPP used to be a doctor. He read the document and immediately said he did not understand why WSIB had not approved the claim. 

The MPP wrote letters to the Minister of Health and the Minister of Labour explaining the situation.

The Minister of Labour wrote a letter to Mrs. Elizabeth Witmer, Chair of the Workplace Safety & Insurance Board of Ontario. 

(Here's just a bit of background information about Mrs. Witmer. Elizabeth Witmer was appointed Chair of Ontario’s Workplace Safety and Insurance Board (WSIB) on May 17, 2012, following more than 30 years of continuous public service.She was a member of the Legislative Assembly of Ontario from 1990 to 2012, representing Waterloo North, and later Kitchener Waterloo. During that time, she served as Deputy Premier, Minister of Labour, Minister of Health and Long Term Care, Minister of the Environment, and Minister of Education.)

It took approximately one week between each letter. Then surprise my husband received a phone call from WSIB. That was Monday June 18, 2012. Sorry but I can't remember the title or name of this person who called but I think she was Mrs. Witmer's assistant. She told my husband she had his file in front of her and would be reviewing it that very same day. She also said she would have an answer before three o'clock that afternoon. 

Holy cow! Freak us out. After all this time. It was nerve racking. Each minute was torture. We felt positive she would come back with an approval but there is always that small chance scratching at the back of your mind - what if.

A little after three o'clock, my husband received the call. His claim was approved. Yahoooooo! Treatment! Money!

When? When will treatment start? When is the money coming? We need the money to be at the lawyers office by July second! We are running out of time.

Tuesday came and went. 

Wednesday.

Thursday.

My husband called me at work in the morning. He received a cheque for almost six thousand dollars by Purolator. Wow. We need more but it was a great start.

He took his cheque to the bank to deposit the cheque into his account.

There's a problem.

PROBLEM! What problem?

Gary has not earned any money in more than a year. The bank closed his account a long time ago because it was inactive. At the time, his bank account was in the minus. Quite a bit in the minus.

When my husband found out his bank account was closed, he had to speak to the Assistant  Manager because the Manager was away for a few days. They could not reopen his account and would not open a new one. 

He lost it. I can picture it. His face all red, frothing at the mouth, and that vein in the middle of his forehead enlarged and throbbing. Yep he was yelling, swearing and calling her names.

As usual, when something is going on, my husband called me at work as soon as he got home to tell me what happened at the bank. I listened and told him to go to a different bank and open an account. He agreed but turned out he didn't. He ended up calling the Assistant Bank Manager and apologized for his behaviour - explaining how his PTSD made him do it.

Friday June twenty-second. I got up as usual and started to get ready for work. He started bugging right away. "Take the day off." "Go to the bank and cash the cheque." Shit. He just wouldn't stop so we went to the bank.

We didn't wait long for a teller. I explained that my Husband did not have a bank account and we needed to have this government issued cheque cashed. She told us that she would have to put the cheque on hold for five business days. Please, I asked, we need at least four hundred dollars because our house insurance had to be paid before four-thirty or it would be cancelled. We have been waiting a year for this money. We have missed house insurance payments so many times and they would not wait. If we did not make this payment deadline our insurance would be cancelled then it would be impossible to  obtain insurance anywhere else. And since our mortgage was at the lawyers, the bank would foreclose faster if the house insurance was cancelled. 

The teller apologized. She wished she could help. The bank's policy was to put a hold on large cheques like this one. Even government cheques? I asked. Yes because sometimes the government will put a stop payment on a cheque. I pleaded some more. She said she would be right back. She wanted to speak to her supervisor.

Oh look. It was the Assistant Manager. She came over to us. She would not cash the cheque. She would not allow me to deposit the cheque and disburse a few hundred dollars to us. She could verify the cheque on Monday and cash the cheque. We explained about the deadline and Monday would be too late.

The Assistant asked us to take a seat and wait for a few minutes. She had to take care of a couple of things and call  head office.

Ten minutes later she returned and asked us to join her in  her office.  No good news. The bank wouldn't budge. No money for us here.

My Husband freaked. He walked out swearing. I sat there for a moment trying to compose myself. Tears swelled up in my eyes. I apologized to the Assistant Manager and explained, it's been hard. I stood up slowly and walked out of her office and out of the bank.

When I got to the car, Gary was standing beside it having a smoke. His cousin, Claude, who came along for the ride was having a smoke too. 

Claude told Gary to go to the bank he deals with. My husband has no identification but we decided to give it a try. 

I sat in the car while Claude and my husband went into this bank. 

It was really hot in the car. It must have been thirty degrees with the humidity. I had two smokes. I was getting anxious because I had to get to work.

Finally. They came back. I couldn't read the expression on Gary's face. He sat down in the driver's seat. 

Well? 

No problem. 

Jack had went up to the teller with my husband and said, hi, this is my brother and he needs to open a bank account. This teller has a thing for Jack. They were flirting back and forth while she looked my husband up on the computer. She found him there from years and years ago when he had an account there. She opened a new account. She called WSIB and had the cheque verified right then and there. My husband deposited his cheque and took some cash out. No holds either.

I closed my eyes and thought, thank you. Thank you so much.

We went straight to the insurance company and my husband plopped the money down.  

Saved again.

What a great weekend we had. Okay we were foolish but I didn't care. We ordered in food on Friday night. Went shopping on Saturday and on Sunday. It was fantastic. I don't even remember when I could go out and just spend. There were so many things we needed. It was hard choosing. Pluck it. Buy whatever came to mind. Yah!

I spent four hundred dollars! I bought for two of my daughters, for my husband, for two of my granddaughters and things for the house. It felt so good to be able to buy for my family. It had been so long. I wanted to spoil them and I did.

I knew more money was coming. Wednesday afternoon another cheque came by Purolater. And another cheque.

My husband deposited the cheques in his brand spanking new bank account and had a certified cheque made out to the lawyers office in the amount of eleven thousand dollars. And a couple hundred to spare. He went straight to the delivery company and had it sent out with a void cheque. 

Just in time. Proof of insurance was sent out on Wednesday. The lawyers received the money and void cheque on the last day. Friday June twenty-ninth before closing. 

Saved again.

I have been very fortunate to have so many caring people in my life. Everything in the universe shifted to save the day at the last minute. Thank you.

Do you have a similar story to share? I would love to hear it.

Day 21 - Magnificent Outcomes

"You say grace before meals. All right. But I say grace before the concert and the opera, and grace before the play and pantomime, and grace before I open a book, and grace before sketching, painting, swimming, fencing, boxing, walking, playing, dancing and grace before I dip the pen in the ink."

G.K. Chesterton (1874--1936),

Writer

Rhonda says, "If you want Magnificent Outcomes to everything you do, then you have to use the law that governs outcomes - the law of attraction. That means you have to use your thoughts and feelings to attract Magnificent Outcomes to you, and being grateful for Magnificent Outcomes is one of the simplest ways to do it." Page 188, The Magic.

The Assignment

Today's assignment is to list three important situations where you want Magnificent Outcomes then write them down as if it already happened and say, "Thank you for the magnificent outcome to _________________!"

Then as you go through the day, choose three unexpected events that happen and be grateful for a magnificent outcome by closing your eyes and saying, "Thank you for the magnificent outcome to _________________!"

Gratitude Stone

I was most grateful that we did not have court today. We were late. The judge told us he would not tolerate Jackie being late again, and he would just put out a warrant. Thank you, thank you, thank you. 

I Am Grateful: (Day 21)

1. For the good nights sleep because I really needed it. Thank you, thank you, thank you.
2. We haven't taken down the pool yet because it was hot enough for Faith, Destiny and I to go for a nice little swim. Thank you, thank you, thank you.
3. There was bread in the cupboard because I was looking forward to a cheez whiz and mayonnaise sandwich. (The first time I looked, I couldn't see the loaf and felt a little disappointed). Thank you, thank you, thank you.
4. For a car with working signals because it makes me feel safe and gives me peace of mind driving it. Thank you, thank you, thank you.
5. That my Indian status covers my prescription medicines because I had to have five different meds refilled today. Thank you, thank you, thank you.
6. That Nicole and Nick made supper again because I wanted to eat at home today. Thank you, thank you, thank you.
7. That Faith's bedtime routine went smoothly and she fell asleep in seconds. Thank you, thank you, thank you.
8. That the house stayed tidy today because it gives me more time to do other things. Thank you, thank you, thank you.
9. For the Internet because I have been enjoying a few movies tonight. Thank you, thank you, thank you.
10. That Cole, Nick and Christina are having a good time tonight playing games together. Thank you, thank you, thank you.

The Challenge

Okay, I forgot to do today's assignment today. I read the chapter last night. It never even crossed my mind until this evening.

What am I going to do? I need some kind of reminder - a system to keep me on track.

I wanted to have my cork bulletin board by now. I was counting on it to remind me of all the assignments and lists that I have made. Now such luck. Sorry there is no such thing as luck. I have not used the magic to bring it to me.

I think I will try post it notes in several places throughout the house. If you have any suggestions, I would appreciate them.

Conclusion

I started to beat myself up about not completing the assignments but that would be negative thinking. It is so hard at times to keep positive. But tomorrow is another day.

I would like to know how you are doing on the assignments. 

How do you remember what you are suppose to do on any particular day? 

I just get so busy with the day to day stuff. I go from one thing to the next. And sometimes - lots of times I get distracted and move to something else. Like I will go downstairs to get a broom but I see a stack of dirty cups and plates so I pick them up and take them to the kitchen.Then I will get the urge to use the washroom so I go upstairs and realize I was suppose to get a broom. I make my bed and go back downstairs to get a broom only to realize I forgot to go to the washroom.

I promise I am not an airhead. Although some days I do feel like one.

Until tomorrow.