so i never really used paypal a lot but ive had an account for i wanna say a few years, maybe last year or two i have gotten this negative balance, how? i honestly have no damn clue. i think i got hacked, i had a security problem with a lot of my account a 2 years ago, and now my balance is negative 878 i didn’t really deal with it because i never used it and didn’t realize til they had contacted me. i kinda forgot to deal because i have my own life and forget about stuff. they had just sent me this email
“Date: 16 May, 2024, 6:30 AM Washington DC (GMT-4) Order ID -850856277 Invoice Status -Completed It was successful to complete your PayPal online transaction. We got right to work on your order as soon as we got it. "PayPal Coinbase Inc." will notify you of the money taken out within twenty-four hours. Description of the Invoice. Description Item Price+Tax included Ethereum (ETH) 850856277 Auto Debit 16 May, 2024 $878 Item Transaction Id. Payment Mode Date Total Amount Please contact our customer support staff at any time with queries about your purchase. We are available at this time. 24*7 @ TOLL FREE +1(888)404-5614 For Your Help, The Billing Team Office address: 3741 West Chapman Avenue, Orange, California 92868, United”
i have no idea how to deal with this, can someone or all help?

Good morning PF!
After finishing my bachelors, I started a new job ~6 months ago with great benefits and an employer-sponsored 401k with a 3.5% match and low-cost index funds (Vanguard retirement funds!). The catch is, I don't believe the employer will begin matching my contributions until I've been employed for a year. I was eligible to start contributing 3 months ago and have been putting in the 3.5% without match - but I'm wondering if it would be better to pause contributions for the next 6 months until the match goes into effect to focus on my wife and I's student loans.
Here's a quick breakdown of the loan balances, rates, and date started for reference - all are federal. We will likely be taking a few more as my wife goes back to school this fall.
Subsidized (not currently making payments): 5/1/23 - $3,500 @ 4.99% 9/1/23 - $1,500 @ 5.5% 1/1/24 - $1,490 @ 5.5%
Unsubsidized (making payments to stay ahead of interest) 8/1/23 - $2,000 @ 5.5% 1/1/24 - $2,000 @ 5.5% 1/1/24 - $4,977 @ 7.05% (graduate degree, current balance of $3,140)
We are currently throwing all our excess cash at my graduate loans. It's right at the level of interest that starts to make me uncomfortable so I'm hoping to get rid of it ASAP and avoid taking any extra for the remainder of my degree (graduating July - August). Also, the extra cash flow will be helpful - I'd rather not wait until the loans start requiring minimum payments.
Other pertinent info: we have a 3-month emergency fund, and I have a reasonable amount in my prior employer's 401k where I was matched 5% for 2 years - but that job paid 40% less than I'm currently making. We have a newborn, and I'm the sole income for the household for the foreseeable future. Our income should increase again within the next 2-3 years as I finish my master's and CPA exams.
I imagine it doesn't truly make-or-break any part of our finances, being it's only 6 months of 3.5% - but I'd like to hear your thoughts.

Odd question, but I feel the need to ask it. My attorney strongly believes in my SSDI case, I have a ton of doctors that back it up with very detailed paperwork, test results, scans, etc. It's enough to the point where I had an injury at work and can't do any of my previous jobs before. I had ongoing work restrictions from a spine doc before. I also have postural limitations and a bunch of conditions going on at once to where basically Sedentary work isn't possible due to the unpredictable nature of the conditions, days I'd miss from work, down time where I'd need breaks throughout the day, etc. So we are very confident and I have a top attorney known for being among the best.
I'm not going to post the exact number for obvious reasons, but let's say that I generally have $50K+ of expected back pay stretching back a few years. My parent has been very helpful for a lot of things, i.e. a place to live, buying stuff for me, helping me with bills in the meantime, etc. My plan is to give that back, but in the most helpful form of giving her the money to pay off her two credit cards. Doing that frees up hundreds of dollars of her own money in credit card payments each month that wouldn't be there. I'd estimate there's probably $8K or so among the two of her cards. From an SSA perspective, will they say something if I do a bank transfer from my bank account to hers? Obviously, her name will show up and is my same last name. Is there any hassle that I should expect from the SSA as far as doing that? Or is it better just to take out cash myself and give it to her to deposit into her account?
She's working part-time and gets widows benefits from her husband that passed decades ago. So technically she can keep drawing his until her full retirement age from what I understand. Will giving cash to her affect her benefits for that month? My understanding is that work-wise she can't make more than like $1,700 a month. Does money deposited into her account from a transfer or via cash cause her to exceed that amount? She gets something like $1,100 or $1,200 a month in widow's benefits. She's 66 and I think her full retirement age might be in x months at like the 66 and 7 or 8 months mark. I don't remember for sure. She was born in '58.
Alternatively, should I just call up her credit card company and ask to pay her balance on each card via my debit card, essentially? Is that a better way? I don't feel that the SSA takes into account the people that help us while we're struggling along in the waiting process and I feel for some reason that they might be a jerk about account transfers because they want us to "use the money for ourselves". She has outed a lot of money for me for doc visits and lots of stuff. It's fair and I have no issue with repaying and helping her in return. Suggestions? My case is such to where we have a general idea of what's wrong with me. Once we do x procedure in the future (can't afford it presently until disability approval) and see if that works (if not, x other procedure(s) will be performed until it does help), I might be be able to eventually goal back to work. Which is of course the goal, I've been out for a few years now. So in that sense, I won't be using all of that back pay money to "live on" in the sense of someone who is say...permanently disabled and can't go back to work period. Granted, the procedures are quite expensive, but I'll also instantly qualify for Medicare upon Disability approval. So there is an end game and I'm not looking for just blow all money, but this particular thing is necessary to give back to the one who helped me. I don't want to screw myself or her over with the SSA.
Suggestions on how to do this the 'right' way?

EDIT 15/05/24: An update for anyone in the future who may be in the same or a similar situation: I was asked to explain the transaction and show proof of where my money had come from. Very soon after, my account was re-enabled.
I am a student who wants to invest in crypto. My income is entirely from student loans (although I have gotten a job as of just this week, but it'll be a few weeks before I start getting paid) and I have about £20k on my balance. My main account with all my money before I switched was with a traditional bank and, after successfully buying £1k in Bitcoin through Kraken, they began restricting crypto-related transactions with my account. So, I decided to switch to Monzo because they claim to be crypto-friendly (I clearly didn't do enough research...).
The switch was completed today and I attempted to deposit £5k in Kraken today. The payment was declined and my account was 'temporarily disabled'. I understand that attempting to buy a relatively large amount of crypto for someone who, being an unemployed student and all, probably doesn't have a great risk profile as soon as I opened the account without giving Monzo a heads-up was dumb.
That said, it should be clear that I'm completely legit. Kraken is a reputable exchange. All of my money is legit (Monzo should already know from my previous bank that it's all from the government and my uni bursary, right?) and my account has day-to-day direct debits on it, which should go some way in showing I didn't open this account for criminal purposes. So, I'm wondering if you guys can estimate how long things will take to get resolved or if they even will get resolved at all based on my story. I do have another bank account in my name in case my account gets closed but I'd rather know what's going to happen sooner rather than later. I haven't had any updates from Monzo as of now. Thank you in advance for helping me

I'm trying to figure out my next financial/career moves and I'm curious for people's thoughts.
The short version of my financial history is that I made some sub-optimal decisions in my 20’s and early 30’s that I'm now paying for. Not uncommon, I suppose. But I've got some things going for me as well.
I'm 38M, married for 4 years, living in a high COL West Coast city. No kids yet. 2 cats. :)
I work remotely and earn about $105k gross per year. I work in a very specialized part of the non-profit sector but I've built a broad skillset around financial analysis, legal strategy, and project management. My wife works as an independent contractor and together our AGI is about $144k.
I own a condo in a rough part of town. It's worth about $350k and I owe about $215k on it at 2.99% interest. I bought it as a fixer upper before we got married and I've put some money into it, so it's in much better condition than it was when I bought it. I've lived here for about 7 years. Mortgage + HOA is about $1900/month.
I owe about $100k in student loans. In return for this I got a bachelor's degree from an okay school and two Master's degrees from a very good school. I'm on the SAVE plan.
I owe about $35k in credit card debt. I'm attacking it aggressively, and the overall amount is down from about $40k in October of last year, when I finally pulled the plug on my credit cards. I've bounced most of it to 0% balance transfer cards. About $15k of it is on a debt management plan at 10% interest. Once my credit score improves a bit, my plan is to transfer the rest of it to a 0% card.
Like a lot of people, I overspent coming out of the pandemic, but I don't really have any regrets about doing some traveling that I'd been putting off for years. At this point I've cut discretionary spending pretty substantially.
No car payment. I own my car outright, and it's in decent condition to last another 3-5 years.
I don't currently have any savings. That, along with retirement funding, is my next goal after tackling cc debt.
Other aspects of my current job: The health insurance benefits are excellent. $0 monthly premiums and $0 deductible, and any out of pocket costs are reimbursed up to $10,000 per participant per year. I also get a traditional defined benefit pension. The net present value (NPV) of this is currently around $300k, and I'm vested, which means I lock in that benefit even after I leave my job. At this point it comes out to around $1200 in current dollars per month after I retire, but it will continue to grow the longer I stay at my current job. I also get a bunch of fringe benefits, like free Internet, free legal services (up to a certain amount per year), an education benefit, and a monthly childcare benefit (which I'm not using). My company doesn’t offer a 401k match.
For what it's worth, I love my job and find it both intellectually stimulating and socially useful.
My wife is dissatisfied with where we live (realistically, I am too) but our monthly mortgage payment is so low that selling would mean either leaving the region entirely, renting a much worse place at the current price point, or doubling our monthly housing costs if we purchase. I've considered renting this place out but I'm not interested in being a traditional landlord in this region, where the current laws mean if you get a deadbeat renter you're just screwed. The HOA prohibits short-term rentals, too, so vacation rentals are out of the question. Ideally, I would like to own a home in a middle-class neighborhood in this region, not the rough neighborhood I currently live in. It's also not a school district I would want to send kids to, although that's still a couple years off. I'm not really interested in moving out of this region to hunt a low COL elsewhere. My dream scenario would be to just earn enough money to buy a house in a middle-class neighborhood here.
So, I'm considering a job change for higher compensation. My degrees are non-technical, so switching to a high-compensation industry like tech wouldn't be an immediate option. I've done some value-add programs like the PMP (Project Management Professional) certification. I'm also using my current employer's education benefit to take accounting classes at the local community college. I'm a few credits away from being able to sit for the CPA exam.
I have side gigs as an academic tutor and PMP instructor. Previously I worked as a part-time data analyst on the side, but that gig ended. I'm aiming to take in around $1000-$2000/month from side gigs.
I'm not currently investing anything into a retirement fund. I sleep at night by reminding myself I have a traditional pension, and I'm throwing all my cash at paying off credit card debt. Once I accomplish that, my plan is to start maxing out my IRA.
Overall it feels like I have an okay financial life, but I'm wondering if I'm missing something to accomplish my goals faster.
Thanks to everyone who read this far. Any advice is appreciated.

I'm using Fidelity Cash Management account and so far kept the money in FDIC sweep position, but considering using money market funds (SPAXX?) for better returns. Unfortunately it doesn't look like CMA allows changing the core position, so I'd have to buy those manually. If I do that, will Fidelity automatically draw from that money market fund if I buy something with my debit card, or write a check, or make an exteranl ACH pull larger than my FDIC balance?

I don't even know where to start, there is a huge amount of information that I wanted to share with you here.Let's start with perhaps the most common types of fraud.Theft of your credit and debit cards.There are several ways that you can part with your money from your cards.But where do the scammers get this data from?
The most common ways are
--You got to a phishing payment link,e-commerce
--Leakage of your data from the sites where you made the payment
--You have brought virus software to your PC by downloading a malicious file from an unknown source (Internet, flash card)
--You have got to a phishing site for authorization of an apple, Google, Samsung account, etc.
Now in order
You wanted to buy a product online on an unfamiliar site at a very attractive price.Despite the fact that the site inspires confidence, has an SSL certificate, the correct legal address, a beautiful domain name and other parameters, this is not an indicator of its reliability.After making a purchase, you will even receive a receipt for the cost and delivery time to your email address.And you are happy that you have saved a lot of money, keep going about your daily business. Next, it all depends on the methods of debiting funds from your bank card. It will be used either almost immediately or a little later.
The case is as follows. You regularly purchase any goods over the Internet in a local or large online store.For ease of use, your card and billing address are stored in these stores.Hackers study the attack vectors on these stores, exploit the vulnerability and gain access to the database of stores where you previously purchased goods.Your card data is usually encrypted, but not always, there are also methods for decrypting this data.This is how your card data gets to the attackers.
Do you like free software, movies and games downloaded from Torrent and unofficial sites?
Then the malefactor is already in your computer.There is a huge amount of malware for PCs on both Windows and macOS.All this malware has different tasks.We will focus on the stillers class for example.Stiller is a malicious software that extracts all information from your PC and sends it to an attacker.I will list only some parameters and data that stiller can extract, these are:versions of all software installed on the PC,IP address,time zones,keyboard layouts,fonts,autofill of any browser,cookies,hardware wallets and much, much more.As a rule, your credit cards, which browsers keep so carefully, are located in the autocomplete lines.All other information such as billing can also be extracted from the log taken from your PC.
The most insidious way - these are phishing authorization sites.I'll give you a simple example: your iCloud ran out of storage space, and you wanted to buy additional space in the cloud.You logged into safari on your iPhone and entered an icloud request.You click on the first link in the search results, this is what everyone would do, even me.This link was an advertisement, but the domain was original, the ORIGINAL CARL!!!Next, you are redirected to an icloud-type authorization page icloud.scamdomen.com you enter your login details, you are asked to enter a confirmation code on your device, you confirm, that's all.You can say goodbye to your Apple ID and iCloud for at least a month, because hackers will get into your apple ID, delete your devices, change your password and phone number.And then they start using your information, connected payment methods, viewing your photos and videos, studying your notes, applications, and so on.As a result, Apple ID support will restore your Apple ID, but only after a month.
Now we have looked at the most popular ways to steal your data, in my next posts I will try to analyze each category separately so that you better understand how to protect yourself. Now let's talk about the safety recommendations.I understand that half of what I'm going to say is actually corny, and you know it without me, but nevertheless, it works and provides you with protection.
-Do not use the same password on different services
-Do not specify your first name, last name, date of birth in the password
-Use at least 12 characters in the password, using special characters
-If possible, use only prepaid cards with a known balance to pay at unfamiliar stores/locations
-If possible, do not use the standard autofill functions for usernames and passwords on a PC and smartphone, use only specialized applications in which you can install two-step verification.
-If possible, use a two-step verification
-Use only licensed software
-Install and use antivirus software on your computer and smartphone
-Do not download files to your computer and smartphone from unknown sources
I would like to end this post with this, I hope this information will be useful for you.Take care of yourself and your loved ones!

I have created a journal with a map reduce script and am encountering the "journal does not balance" error when I attempt to save.
The odd thing is, the debug logs show the total debits and credits equal. They are all whole numbers so it's not a rounding issue.
It also works fine if I replace the loop setting the debits and credits with a single debit that is equal to the calculated total amount
I have been staring at this for several days and cannot work out where I am going wrong. Has anyone encountered this issue before?

 try { var journalEntry = record.create({ type: record.Type.JOURNAL_ENTRY, isDynamic: true, }); // Set subsidiary and transaction date journalEntry.setValue({ fieldId: "subsidiary", value: "12", // Replace '12' with the correct subsidiary ID }); journalEntry.setValue({ fieldId: "trandate", // value: new Date(2024, 5, 12), // Set the transaction date to today value:parsedDate }); log.debug("linePosition1",linePosition) if (linePosition !=linePositionBal) { journalEntry.selectNewLine({ sublistId: "line", }); journalEntry.setCurrentSublistValue({ sublistId: "line", fieldId: "account", value: account, }); log.debug("linePosition2",linePosition) log.debug("account-journal",account) if (parseFloat(debit) > 0) { journalEntry.setCurrentSublistValue({ sublistId: "line", fieldId: "debit", value: parseFloat(debit), }); journalEntry.commitLine({ sublistId: "line", }); log.debug("debit-journal",debit) totalDebits+=parseFloat(debit) log.debug("total Debits",totalDebits) } else { journalEntry.setCurrentSublistValue({ sublistId: "line", fieldId: "credit", value: parseFloat(credit), }); journalEntry.commitLine({ sublistId: "line", }); log.debug("credit-journal",credit) totalCredits+=parseFloat(credit) log.debug("total credits",totalCredits) } } if(linePosition==linePositionBal) { journalEntry.selectNewLine({ sublistId: "line", }); journalEntry.setCurrentSublistValue({ sublistId: "line", fieldId: "account", value: accountBalance, }); if (balanceSide == "debit") { journalEntry.setCurrentSublistValue({ sublistId: "line", fieldId: "debit", value: balanceAmount, }); log.debug("balance-Debit",balanceAmount) journalEntry.commitLine({ sublistId: "line", }); totalDebits+=balanceAmount log.debug("total Debits with balance",totalDebits) } else { journalEntry.setCurrentSublistValue({ sublistId: "line", fieldId: "credit", value: balanceAmount, }); journalEntry.commitLine({ sublistId: "line", }); log.debug("balance-credit",balanceAmount) totalCredits+=balanceAmount log.debug("total credits with balance",totalCredits) try { var id = journalEntry.save(); log.debug("id", id); } catch (error) { log.error("Error saving journal entry", error); } } } } catch (error) { log.error("Error creating journal entry", error); } 

AJ Bell Dodl is a mobile investment app that is offering £30 in vouchers when you sign up and deposit £500.
Dodl offers AJ bell funds, themed investments and shares. For account types Dodl offers the lifetime isa, stocks and shares isa, pension and general investment account.
They charge a 0.15% account fee with a minimum fee of £1 a month on investments, the £1 a month fee is not charged on cash and you don’t have to invest for the £30 in vouchers.
To sign up for a Dodl account and receive the £30 in vouchers:

• Send me a chat message for my Dodl referrer details and then fill out the refer a friend form https://dodl.co.uk/refer-a-friend.
• Scan the QR code, download the Dodl app and sign up using the same details you used for the refer a friend form.
• Choose the investment account you would like and deposit a minimum of £500 with either google pay, debit card or instant bank transfer.
• You can either keep the £500 as cash or invest the money. If you invest you may want to deposit an extra amount because your balance must stay above £500 when they pay the vouchers the next month after the £500 deposit.

Where you can spend the £30 vouchers - https://help.dodl.co.uk/en/articles/6475147-where-can-i-spend-my-30-voucher.
T&Cs - https://dodl.co.uk/legal/refer-a-friend-terms-and-conditions.
Non referral link - https://www.dodl.co.uk/
By signing up, you'll also get a referral link to share with friends, family, and fellow beermoneyuk members. This way, you can help others enjoy the same perks while also earning more rewards for yourself.
I appreciate your time in reading this and if you sign up and take advantage of the offer with my referral link, I'd like to say thank you.

Hi all,
I'm hoping to find some rational explanation before worrying in full. I got an alert from Experian about a considerable reduction in my credit score since last month. There are a few possible explainers I can think of, a few being annoying and the last one concerning. For context, I have a few credit cards which I spent up on and have since consistently been paying down/maintaining with minimal use (save for Spotify and flights up to 3 times a year). My score had been excellent for a long time which I thought was due to this line of activity. 1. I put down £250~ on flights on a card I very rarely use. I have a direct debit set up to get that balance down, but maybe that change in activity prompted it? 2. About a month ago, I spotted a payment card in my name in my Amazon wallet that I didn't recognise. Amazon was no use, so I requested a statutory credit report to make sure there were no cards in my name I didn't know. There weren't, so I reasoned it as a glitch/weird presentation, removed tha card from my Amazon account and moved on). Maybe the statutory check knocked my score? 3. In relation to 2; despite the lack of extra cards, my mind isn't completely at ease. I noticed a range of searches in the statutory report (though I thought they are soft searches which banks/lenders periodically carry out). The process of getting the report was so onerous that when I saw no additional cards, I just put it all down to s glitch and moved on which I now realise was moronic. I can't fully shake the feeling that there's someone applying for cards in my name that thankfully have not gone through.
Experian being Experian, their solution is for me to pay for their CreditExpert to see what's driven my score down. If the reason is 1 or 2, I'd much rather not, and do some quick spending and paying down if that helps the score re-climb. But I can't fully shake the feeling that my details are being used without my knowledge.
Perspectives and advice much appreciated!

Hello, I just found this sub and thought I'd ask for advice on how to get a job into the financial world as an accountant.
Backstory: I obtained my B.S. in Applied Math in 2015 to be a public school teacher, but due to the job market I had to get other roles such as medical biller, private math tutor and property manager. I briefly pursued a career in baking through culinary school which saddled me in more debt and helped me realize that life wasn't for me. I joined a Fortune 500 company as a contractor to be lease accountant before being fully hired 7 months later.
Current situation: It's been 2 years and after unsuccessful attempts at promotions, or getting into different roles in the company I have decided to respond to and reach out to recruiters at other companies hoping to use the skills I gained to be their new employee. My role in lease accounting was to process reconciliations for my company's stores, answer inquiries and solve any balances or discrepancies. I have been one of the top performers in my team, and always volunteer myself to learn more but only got the standard merit pay increase. I tried applying for Staff Accounting roles at other companies, but I could never get the offers since my role never had any AP/AR experience or had monthly/annual closing responsibilities. Sometimes the roles also stated that Accounting Degree's, prior experience in that role, and GAAP are a must.
I am in VA, but have been thinking about going to Texas to be with family, have a change of scenery and better opportunities. I would take care of the relocation costs myself. The big eventual dream is to work in the Accounting field for a large video game company that is in El Segundo, CA so I may lend my skills to support them. My main concerns are how much time and money I may need to invest in order to get jobs since I'm told that this field requires 7-years of investment for a 4-year bachelor's, interning at a firm and taking the CPA. My current resume I may need to adjust since it has all my past jobs which were not relevant to the field, but I did not want to leave a massive gap between my graduation and my current role.
My question is: would it be best to go back to school to get a Bachelor's in Accounting? Or are there online certifications that can substitute so I can become a Staff Accountant? Or should I reach out to recruiters at companies with a curtailed resume and hope to land the role and gain experience along the way?
Thank you!

I am NOT the Original Poster. That is u/Uncle-Barnacle. She posted in EntitledPeople.
Thanks to u/No-Mechanic-3048 for the rec!
Trigger Warnings: animal abuse; sexual harassment;
Mood Spoiler: Good ending for OOP
Original Post: January 27, 2024
As the title says, last week I kicked what I thought was a good friend out of my house because I can no longer handle her antics. Just wanna write it here just to destress and deal with the grief of losing a friend.
Kendall (25F) and I met in university in 2016, we studied different majors but were from the same department so we share many classes together and bonded over our passion for gaming and memes.
Upon graduation, Kendall moved back to her hometown due to covid and found a job there, we kept in touch online through Instagram.
About 3 years later, Kendall told me she found a better paying job in the city I so she's planning to move out from her parents place. When I asked her about her plans on her accomodations she replied with "That's the thing, I was going to ask if you have an extra bedroom that I could move into"
For context, I have inherited an apartment from my late grandfather which is a nice 3 bedroom 2 bath near the city center last year January and I currently live alone there since it is closer to my workplace and it has all the convenience of public transport.
After some thinking I thought that there's no harm in living with Kendall since I considered us as close friends. We discussed the terms and ofc the rent. A week later Kendall moved into my apartment. It was great at first, my home felt more lively than usual and the thought of going home to a close friend warmed my heart and gave me a sense of security. Things were okay for awhile and then sh*t goes downhill super quick.
Kendall started complaining about many things at home, about her work, her savings and how she feels homesick. At first I was very accommodating, thinking maybe she just needs time to get used to the city life. I offered as much help as I can, even to the point of if she's low on money I don't mind voiding a month's rent if it meant I could help her to achieve financial stability.
I taught her how I save money, how I live off with my then low salary with several commitments like my car, my dog and a student loan. I grew up where my parents expect me to be independent so I told her things I'd do when I'm low on cash, how to get freelance jobs etc but she always seem to have excuses for every suggestion I have. Finding a freelance job is too hard, or how she couldn't let go of her premium junk food, that she isn't willing to cook or meal prep, and I eventually decided to leave it as it is.
And after two months of living together, I realised Kendall started treating me as some kind of competition. She would constantly ask me things like how much money I make a month, how many job hoppings did that take. Anything that she thinks she's better than me, she'll definitely pop that question. She boasts about how she is loyal to her "sh#tty paying company" and how I would never be able to move up the corporate ladder as she called me "an industry frog" 🐸.
She once snooped my savings balance and asked how tf did I have so much saved up with commitments etc (mind you she didn't have a lot of commitments since her parents paid off her student loans and fully paid off a brand new car for her) and maybe I should stop collecting rent from her. I got mad, and told her if she isn't happy living with me maybe she should move out. Queue crocodile tears as she said it was a joke I didn't have to take her seriously she begged for forgiveness and promised to never snoop my personal items and details again. I let it go once, but she kept bringing things up like, "well you have the cash and a credit card" everytime I told her I rather stay home because I no longer have the budget to go out and "have fun". Comments like these became more frequent when I got a new job 6 months ago.
On top of that, she doesn't clean up after herself, tried to flirt with my boyfriend and at times parked in my parking space when our initial agreement was that she has to find her own parking space if she's moving in with her own car because my apartment only has one parking lot per unit.
The straw that broke the camel's back was when I caught her kicking my dog in his abdomen when I got home from work. I yelled at her and rushed to check my dog, luckily he was fine but I still rushed him to the vet for safety measures. I got home and she sneered that it was just a dog and as a friend I shouldn't treat her like that. I asked why she'd kicked my dog and she didn't answer me, she shrugged and tried to escape into her room.
At this point it was already about a year since Kendall moved in with me. I lost my cool and told her off, bringing up her problems and how I tried to be nice and accommodating. Then I told her I'm giving her a week to move out and that from then on I rather we keep our relationship casual or we don't ever talk at all. Kendall cried and begged me to not kick her out but soon it turned into her screaming back at me, calling me a bad friend because apparently in her words, I "didn't tell her off on how badly she was behaving" (like wtf?!). There was a lot of back and forth which I don't remember what I said, but I remember eventually calling her an entitled brat. She cried again saying it was uncalled for and stormed off to her room.
The next day I was bombarded with texts from other uni friends, some calling me selfish and others sympathize with me. Apparently, Kendall posted our argument on Facebook and Instagram, painting me to be the bad guy. I was upset at first but I decided that after Kendall moved out we would no longer be friends as well as those who took her side of the story and condemned me.
Last week, Kendall left, and I have changed the locks on my apartment. I curled up in bed and cried myself out, probably from the sadness of losing a friend or maybe I am finally letting out all the frustrations.
I am definitely still griefing about this loss of a friend as I've had many good times with Kendall. For now I wanna focus on myself and hopefully I eventually get over this.
Edit: The whole "teasing" that I have more money than Kendall gotten worse when I told her I was given an offer by an MNC as a Senior Designer, and I disclosed her the offered salary (as we always did, like I know how much she earns too) which was about 50% more than hers. That was dumb on my part, I now understand why my parents told me to never disclose/discuss salaries the moment I started working
Relevant Comments:
Commenter: Kendall should eat a whole bag of dicks. You did well looking out for yourself, and your dog.

OOP: Yea but it took me a year to see how my "friend" didn't treat me like one ☹️

Commenter: Per your post, I would think that Kendall is a user rather than an actual friend. You will need time to heal. I recommend that you seek short-term psychological counseling to help - and maybe find out how to more effectively set and enforce personal boundaries.

OOP: Im planning to look into those as well, if I could afford them. But for the time being I'll try to find comfort in spending time with doggo, my bf and drowning in my hobbies :))

Commenter: If I were you, I'd be telling everyone she was hurting your dog - that would probably swing some opinions real quick

OOP: I did but some still called me an AH for kicking a poor girl who has travelled far from her hometown out in a big city 😒 I got off fine but why can't she?

Commenter: Also, time to step back for just a moment. Your so-called friend had No Student Loans and a Brand New Car. She has parents who can help her out. They created this puppy- kicking monster; they can deal with her. You gave her plenty of opps to play nice.
You don't owe her squat!!! Hold your head high! You're a wonderful person

OOP: Yet I don't understand where her money went, her wallets are always empty near the end of the month. She once showed me her savings balance, which was two digits, she was asking if I could lend her money. Luckily I didn't lend her any, but that's probably why she was angry at me for a week lmao

Commenter: This type hates being told no. They often seek revenge. If they put a fraction of that energy into working for what they wanted? They’d be in great shape. May you think of her no more & enjoy your life!

OOP: Exactly what I thought, there were so many other things and ways she could have work around to be stable financially, it's true I probably didn't have to collect rent from her but I was glad I did, even if it wasn't a year's worth. I spent so much for that thorough checkup of my boii after she kicked him :((

Commenter: I would have thrown her out on her ass the second I saw her kick my dog. That is completely unacceptable. She's lucky you gave her a week.

OOP: It ain't easy out in the city where I'm from, but she moved out in a couple of days after asked her to move out, last I heard one of our uni friends who called me an AH allowed her to crash at their place while she finds her own place to rent. I wish them good luck for sure they gonna end up like me

Commenter: Change your accounts so all paper work is clear so she cannot pretend to be you. Social security office visit to be sure no new accounts have been opened in your name is mandatory to cleanse sociopath vibe from your life.

OOP: Oh no worries about that, where I'm from to make most accounts would need my fingerprints and my physical id which neither have been missing, but thanks for the heads up on that! I've never considered from this angle

OOP originally paid the dog tax but has since deleted the picture.
Commenter: Anyone who could harm such a sweet boi would instantly be dead to me. For this alone, you are absolutely in the right!

OOP: I was really worried, but luckily the vet said he's as fit as a fiddle and as sturdy as ever
(to a different comment) From the checkups and with my vet's assurance, it seems like I caught her hurting my dog for the first time. He has never shown any sign of nervousness or anxiety near Kendall up till the day she kicked him, then again I didn't have cameras installed at home so I'm not sure if she has every attempted anything prior to this.
The most important thing is my ol'boy is still healthy and happy, with a tiny bruise which dissipated after a few days

Update Post 1: February 14, 2024 (3 weeks later)
Hello everyone, I'm here with some updates about me and my doggo as well as my now ex-friend, Kendall.
Let's start off with the update about myself. I've been doing well and surprisingly as some of you mentioned previously, I had gotten over the lost of this friendship rather quickly. My boyfriend planned a trip to a pet friendly beachfront hotel and I spent a few days with just my boyfriend and doggo. We played in the sea water and I watched my dog played in the sand. Overall had a great time and we even had grilled fish together while watching the sun set. (Doggo had a deboned fish fillet)
I am also grateful for my friends who stood by my side regarding this issue, they check in on me from time to time and sent me funny content to watch during my free time. Some of them even told me their stories about Kendall and their discontentment with her behavior, which I will list some below.
Friend A: Kendall ridiculed Friend A several times because Friend A earned less than Kendall despite he has worked a year longer than Kendall.
Friend B: Kendall trash talked Friend B's company via instagram just because Kendall flunked her interview with said company with flying colors.
Friend C: Kendall always demands Friend C to be her personal driver during our college days. If Friend C refuses, Kendall will guilt trip her.
Friend D: Ruined Friend D's assignment by 'pranking' him. She actually formatted his laptop when the project was due in two weeks. When confronted, all Kendall said was 'oopsies'.
There are many more but these are the more icky ones I've heard from my friends.
And now with that out of the way, here is today's main course:-- after I kicked Kendall out of my house, one of my uni friends, let's call her Anne, stood by Kendall's version of events and has allowed Kendall to move in with her instead. Anne called me out of the blue this afternoon and her first question to me was: "How on earth did you managed to put up with Kendall for a year? She's driving me crazy!!" Long story short, whatever Kendall did when she's living with me, she now does it to Anne. Snooping Anne's personal items, leaving dirty laundry around...generally being a prick in the butt. Anne told me she's planning to force Kendall out of her house too. I didn't comment much since Anne were among those who called me a cruel person, but now it has came back to bite her.
But wait, that's not all, according to Anne, Kendall lost her job because she tried to ask for a 100% increment and assaulted her supervisor when the increment request was turned down two weeks ago. She was immediately escorted out of the office building by security. And she just texted me 20mins ago saying she needed a favour from me that she wants a job at my workplace.
I replied stating there isn't any vacancy. Tbh even if there is I wouldn't hire her lmaoo.
So yea, I hope this is the last time I will hear from Kendall and I'll only update if somehow , something interesting happened that involves Kendall 🤣
Relevant Comments:
Commenter: "Anne told me she's planning to force Kendall out of her house too." How in the ever loving world did you not reply, "Wouldn't that be cruel though?"

OOP: I went with a sarcastic tone of, "Oh wow really? What happened?" 🤣

Commenter: Bet Kendall applies to the company and uses OP as a reference anyway.

OOP: Regarding this I have no worries about it since hr has to wait for me to filter through candidates for my department before sending out an email invite for job interviews. I'll make sure to shred Kendall's if I see hers

Commenter: What about the other departments??

OOP: She only has skills for my dept, sadly. I'm working in an advertising agency it's either graphic designer or motion designer, Kendall can't for the love of God make good designs. She would only want my department. Even if she tried, I doubt she could get into my company since one of the requirements is to be able to converse in basic japanese and you are tested during the interview plus you would need to show the certification of JLPT.
Thanks for giving this advice guys, but no worries I doubt Kendall would be able to pass the first screening :D

Commenter: I can imagine her turning up on your door step wanting a place to stay do you have a camera doorbell. just in case she will be getting desperate for friends and a place to stay now people are realising how crazy she is.

OOP: I have set up a new doorbell cam, I live in an apartment and there's plenty of cameras in the lift and corridor. Plus, I wouldn't be that afraid of her appearing at my door step since the security would call me to verify if I have visitors. A simple "no" would render her plans useless.

Commenter: Please keep us posted if anything happens with Kendall going forward. This is too funny and she’s too crazy for this to be the end of it.

OOP: Man I can't believe I was crying over the loss of this friendship. Rn I'm laughing at everything she has done or tried to do to people.

Commenter: Shouldn't she have been arrested for the assault? [at work]

OOP: Maybe her employer didn't press charges? Idk

Commenter: How many days she stay with Anne?

OOP: I think it's about or almost a month? She moved in quite quickly with Anne after I told her she had a week to leave.

Update Post 2: May 5, 2024 (3+ months from OG post)
At this point I wonder if I should change the title to "The Kendall Chronicles" 🤣
Hello everyone, it's been about two months since I kicked my now ex friend, Kendall out of my home. For those who has read my story before, just wanna let you guys know doggo and I are well fed and happy.
If you guys remember last time, Anne, one of my friends who sided with Kendall, told me about all the horrible things that has happened while having Kendall as a roommate. Ho boy, Anne had to call the cops to evict Kendall.
I happen to meet Anne at a pet friendly cafe to enjoy a good book yesterday while my doggo gets to enjoy playing at the doggy daycare-ish kinda area. I did wonder if it was intentional on her side since all my friends know I love this cafe in particular. Anne greeted me and asked if she could sit and have a chat with me. We started out with some small talk but the moment she brought up about her evicting Kendall, I just sat there and listened.
I gave Anne a smile and prodded her lightly with a comment I borrowed from the previous comment on reddit, "Oh, so you're gonna really kick her out then? I remember someone last told me it was cruel to kick a friend out of their homes." Anne stuttered for awhile before saying how I should have made a post to counteclarify Kendall's social media claims about me. I simply told her neither have I the energy to do so nor I have the need to. Which in turn, landed us in some brief awkward silence before I asked what she needed from me. Anne told me she wanted someone to vent to about Kendall and didn't know who to turn to.
Anne told me she filed a police report against Kendall; for theft and destruction of property, and ultimately Anne needed the assistance of police officers to evict Kendall from her home. She is also in the midst of filing a restraining order as she mentioned Kendall looked completely psycho at that moment. Unlike me, Anne lives in landed property so I guess she'd be a lot more worried about Kendall coming back to find her.
Kendall apparently stole Anne's debit card and spent a whopping 2k$ in total. Anne only found out about the missing money when she found her debit card missing from her wallet. She checked the bank statements only to find that 2k$ went to clothes, expensive meals and clubbing activities. At this point, one might ask, how did Anne know it was Kendall that spent that money? Well, the answer presented itself when Kendall came home screaming at Anne for terminating her debit card. According to Anne, Kendall was shouting every insult in the book while flailing her arms around with Anne's debit card in hand which Kendall proceeded with slamming the card on the table before storming off into her room.
That was the first time Anne felt afraid of another person much less a friend. Since then, Kendall made Anne's life hell on earth. Kendall would leech off Anne's groceries, judges her choice of snacks, body shames Anne etc. Kendall also attempted to seduce Anne's boyfriend. She once kissed Anne's boyfriend, (let's call him Jason) on the cheek and giggled before running straight for her room during movie night. In another instance she groped Jason's manhood right in front of Anne but later claimed that she was drunk and thought what she touched was a couch pillow. The worst thing that Kendall did was throwing herself onto Jason and saying she has a fever and later guided Jason's hand to feel her breast in which Anne walked in at the same time Jason's hand was under Kendall's shirt. These incidents has since cause a strain between the three and Jason felt awkward to the point where he told Anne he would stop visiting her house unless Kendall moves out. Anne cried for a bit when she reached this part.
Anne then told Kendall to move out, and gave her a week to do so. Kendall then cried and ran out of the house only to come back later in the evening to lock herself in her room. Anne presumed that Kendall is packing her stuff and she decided to ignore Kendall for the time being. The next morning Anne woke up to the sound of some grunts and broken ceramics. She rushed out to her yard to see an unhinged Kendall swinging a rod against everything she could hit, a tree, flower pots, even the grass on the ground. This led Anne to immediately lock her doors and call the police fearing for her own safety. The police arrived and handled the situation swiftly and they took Kendall away. There were still a lot of screaming and shouting. Anne said she's not sure if Kendall is being locked up or has anyone who would've posted bail for her.
While I guess it was kinda nice sipping tea about Kendall but at how Anne described Kendall is behaving, I wonder if she'd actually needed professional help. I can't help but feel sad for her condition despite we have gone no contact for two months.
Relevant Comments:
Commenter: And why is this still your problem , Anne made her choice , why you still talk to her, she not a good friend , she is like Kendall, a two face snake.

OOP: I have went no contact since Anne's last call two months ago but I believed she went to my favourite cafe spot to try to bump into me and well I have a hard time turning others down so I decided to serve myself some Kendall tea I guess
After this I would probably not want to hear anything about Kendall, Anne or anybody that decided to take in Kendall

Commenter: What about Anne's bf ? He's not naive to the point of having his hand led under shirt iniit

OOP: Anne only told me about the things Kendall did to Jason, maybe she did mention his reaction but I just don't remember the entire thing she told me (I have bad memory)
The gist of it is that these "interactions" had affected their relationship. She didn't further elaborate I didn't probe.

Commenter: While these stories are interesting to read, I wonder how true they actually are. If her parents were so wealthy and paid for her education and car, then at what point has anyone called them and informed them to her behavior? I’m not buying it

OOP: I never had her parents' contact so it didn't really cross my mind to call her parents. While it is hard to believe, it is true, some of us had long severed ties with Kendall since her incident with me.
Kendall also didn't say much about her parents. For all I know was that she moved out of her parents' place because she wanted a better paying job.

So I'm relatively new to all this, and only recently started REALLY focusing on self concept over specific manifestations. And admittedly, this success is NOT one of the ones I've been so obsessed with (which is probably why it was so easy).
So essentially, like everyone else, I've been going back and forth with an SP. Beyond that my main manifestation has to do with desperately trying to stay in the military and return to flight school after getting booted, which is a whole ass tale. In the meantime I've been trying to manifest some progress on becoming a volunteer firefighter, which has been rough for the same reasons as the military......so all of those have been my focus, and it's been a lot of trial and error with the Law.
So outside of all that, I've decided (fairly spontaneously and short notice) "Hey, while I'm waiting on this shit, I need to get my ass back in school. Period. Let's make it happen."
Problems:
So my academic record is ABSOLUTE DOG SHIT. I'm talking: 0.5 on a 4.0 GPA scale....countless dropped or incomplete classes, mostly Fs and Ds, kicked out of a University and almost kicked out community college....
I'm broke as a joke. I make pretty alright money at my job, but spending habits aren't great, rent went up recently, started medication for ADHD and Anxiety and those bills are pretty insane, so a lot of shit just hit the fan all at once and at first I was like "yeahhh there is ZERO chance I'm gonna be able to pay for classes.....in the next three days....which is when the deadline is"
Also, being that I'm on academic probation from my horrendous academic performance the last time I was in school a few years ago, I had to get an academic advisor to sign off on any classes I wanted to register for. Again....three day deadline, two of which were weekend days, and there were no advising appointments available.
So essentially, there was no FUCKING way I was registering for classes for the summer semester, right? Wrong.
Again, being that this hasn't been one of my "main" manifestation objectives, I really didn't dwell on it TOO much. I got pretty stressed and disappointed, but said:
"No. Fuck it. I've been working on my practice with The Law. I've been working on my self concept. I've started medication for what was holding me back in the past. I AM ready to be back in school. I AM NOT defined by my previous failures as a student or the fact that money is tight right now or that there are some deadlines and red tape I need to get through. And ya know what? I AM excited! AND I AM a perfect student!! FUCK that 0.4 GPA....I went through flight training academics for the fucking Air Force! I work in a damn research lab! I AM a smart guy and I take pride in learning and achievement!! Ya know what?? I have a motherfucking 4.0 GPA! How about that!?"
....and any time I got stressed over the course the next few days while trying to pull this off, I repeated a combination of all those things to myself.
So Thursday night, second to last day for all of this. I checked and double checked and triple checked for academic advising appointments. Finally, out of nowhere, I found a virtual (just over the phone) 30 min advising appointment!
Next problem: Tuition. In a desperate last-ditch effort, I initiated a wire transfer (yes, at least 3 business days) from some money that I kind of forgot about that I had in a stock fund. I figured "yeah, no way that's getting through in time....and even so that's only enough to pay for ONE class". Then I reminded myself "Nahhh fuck that. I'm taking THREE classes this semester. The THREE classes I want to take. It's happening. Get over it." .......then I started looking at the finances page for the college, trying to figure out if there was any kind of payment plan I could register for. Of course there was.....but the deadline had already passed, and any tuition would need to be paid in full at the time of registration....
So Friday, last day to get my shit together before the weekend, with classes starting on Monday. I had my academic advising appointment set, and that was about it. In the back of my mind I thought "okay well, I guess I'll just talk to this guy and at least I'll be early for NEXT semester or something :/ "
But then checked my bank account balance at lunch, and BAM. Wire transfer had gone through! AND a notification I would be able to overdraft my debit card because I had put in an amount over the "overdraft recharge limit". Okayyyy not bad! Might get a little rough before next payday but I might actually be able to register!!!
Then I went to verify forms of payment on the school finance site.......and guess what I saw!!!! A tab for payment plans!! THAT SAID ABSOLUTELY NOTHING ABOUT A DEADLINE TO APPLY!!! "Wait wait...so I can actually PAY FOR ALL THREE CLASSES...AND NOT BE COMPLETELY BROKE OFF MY ASS FOR THE NEXT MONTH?!?!?"
So then, finally, after work on Friday, had my academic advising appointment. Talked about the classes I wanted to take, talked about my previous academic failures and all that. Was feeling a bit low about myself...so briefly mentioned (which I had no intention of mentioning) "yeah, well I know how all that looks, but I did recently finally get diagnosed with ADHD and started meds, and I'm REALLY excited and confident that this time school is gonna be different. I know I'm ready to take it seriously and succeed."
The advisor just went silent for like 15 seconds....I was like fuck he's gonna tell me not to make excuses, and that "maybe college really just isn't for you, it's not for everyone. Maybe we can reevaluate your major to something easier"....things I've been told frequently my whole life throughout school......then he says "Okay....yeah...we definitely need to talk about that. Don't let me forget." So we talked about some other stuff and cycled back to that at the end of the conversation.
He said "Okay I'm sending you a form I want you to take a look at. It's sort of a medical revision form (yes haha he did say REVISION 😂). If you send in a letter that kind of explains your situation, and you include your official diagnosis, then we should be able to completely revise any unsatisfactory grades from the past. Anything you got credit for you'll still get, but the grades themselves won't reflect in your GPA, and we could clear any failed or incomplete classes......You could do super well this semester and BE A 4.0 STUDENT!".... I almost cried. I'm actually tearing up right now just typing this part.
So yeah. I know it's not the most "miraculous" bridge of incidents or manifestation that anybody's ever posted. But if you know me, and you know how my education has been an absolute fucking nightmare, like bane of my existence from first grade to flunking out of college....you'd never think I'd be able to pull this off (what feels like a whole new start) in THREE DAYS. And yes, maybe all of this is just coincidence...but I can 1000% guarantee you, if I hadn't REALLY gotten serious about working on overall self concept and belief the past couple weeks, this simply wouldn't have happened. It wouldn't have. I would have just given up at the first obstacle and probably would've honestly been relieved.
But I truly believe this is a byproduct of changing my self talk and knowing that I AM, and that circumstances DON'T MATTER. And also that, if you have a desire, even if it's spontaneous, but it really speaks to you...go for it! Don't put it off, and don't second guess yourself!
Start that new chapter!!
I start classes on Monday, and I can genuinely say this is the first time in my life I've ever been truly excited to be in school, and KNOW that I'm gonna kick ass and excel.

So I'm relatively new to all this, and only recently started REALLY focusing on self concept over specific manifestations. And admittedly, this success is NOT one of the ones I've been so obsessed with (which is probably why it was so easy).
So essentially, like everyone else, I've been going back and forth with an SP. Beyond that my main manifestation has to do with desperately trying to stay in the military and return to flight school after getting booted, which is a whole ass tale. In the meantime I've been trying to manifest some progress on becoming a volunteer firefighter, which has been rough for the same reasons as the military......so all of those have been my focus, and it's been a lot of trial and error with the Law.
So outside of all that, I've decided (fairly spontaneously and short notice) "Hey, while I'm waiting on this shit, I need to get my ass back in school. Period. Let's make it happen."
Problems:
So my academic record is ABSOLUTE DOG SHIT. I'm talking: 0.5 on a 4.0 GPA scale....countless dropped or incomplete classes, mostly Fs and Ds, kicked out of a University and almost kicked out community college....
I'm broke as a joke. I make pretty alright money at my job, but spending habits aren't great, rent went up recently, started medication for ADHD and Anxiety and those bills are pretty insane, so a lot of shit just hit the fan all at once and at first I was like "yeahhh there is ZERO chance I'm gonna be able to pay for classes.....in the next three days....which is when the deadline is"
Also, being that I'm on academic probation from my horrendous academic performance the last time I was in school a few years ago, I had to get an academic advisor to sign off on any classes I wanted to register for. Again....three day deadline, two of which were weekend days, and there were no advising appointments available.
So essentially, there was no FUCKING way I was registering for classes for the summer semester, right? Wrong.
Again, being that this hasn't been one of my "main" manifestation objectives, I really didn't dwell on it TOO much. I got pretty stressed and disappointed, but said:
"No. Fuck it. I've been working on my practice with The Law. I've been working on my self concept. I've started medication for what was holding me back in the past. I AM ready to be back in school. I AM NOT defined by my previous failures as a student or the fact that money is tight right now or that there are some deadlines and red tape I need to get through. And ya know what? I AM excited! AND I AM a perfect student!! FUCK that 0.4 GPA....I went through flight training academics for the fucking Air Force! I work in a damn research lab! I AM a smart guy and I take pride in learning and achievement!! Ya know what?? I have a motherfucking 4.0 GPA! How about that!?"
....and any time I got stressed over the course the next few days while trying to pull this off, I repeated a combination of all those things to myself.
So Thursday night, second to last day for all of this. I checked and double checked and triple checked for academic advising appointments. Finally, out of nowhere, I found a virtual (just over the phone) 30 min advising appointment!
Next problem: Tuition. In a desperate last-ditch effort, I initiated a wire transfer (yes, at least 3 business days) from some money that I kind of forgot about that I had in a stock fund. I figured "yeah, no way that's getting through in time....and even so that's only enough to pay for ONE class". Then I reminded myself "Nahhh fuck that. I'm taking THREE classes this semester. The THREE classes I want to take. It's happening. Get over it." .......then I started looking at the finances page for the college, trying to figure out if there was any kind of payment plan I could register for. Of course there was.....but the deadline had already passed, and any tuition would need to be paid in full at the time of registration....
So Friday, last day to get my shit together before the weekend, with classes starting on Monday. I had my academic advising appointment set, and that was about it. In the back of my mind I thought "okay well, I guess I'll just talk to this guy and at least I'll be early for NEXT semester or something :/ "
But then checked my bank account balance at lunch, and BAM. Wire transfer had gone through! AND a notification I would be able to overdraft my debit card because I had put in an amount over the "overdraft recharge limit". Okayyyy not bad! Might get a little rough before next payday but I might actually be able to register!!!
Then I went to verify forms of payment on the school finance site.......and guess what I saw!!!! A tab for payment plans!! THAT SAID ABSOLUTELY NOTHING ABOUT A DEADLINE TO APPLY!!! "Wait wait...so I can actually PAY FOR ALL THREE CLASSES...AND NOT BE COMPLETELY BROKE OFF MY ASS FOR THE NEXT MONTH?!?!?"
So then, finally, after work on Friday, had my academic advising appointment. Talked about the classes I wanted to take, talked about my previous academic failures and all that. Was feeling a bit low about myself...so briefly mentioned (which I had no intention of mentioning) "yeah, well I know how all that looks, but I did recently finally get diagnosed with ADHD and started meds, and I'm REALLY excited and confident that this time school is gonna be different. I know I'm ready to take it seriously and succeed."
The advisor just went silent for like 15 seconds....I was like fuck he's gonna tell me not to make excuses, and that "maybe college really just isn't for you, it's not for everyone. Maybe we can reevaluate your major to something easier"....things I've been told frequently my whole life throughout school......then he says "Okay....yeah...we definitely need to talk about that. Don't let me forget." So we talked about some other stuff and cycled back to that at the end of the conversation.
He said "Okay I'm sending you a form I want you to take a look at. It's sort of a medical revision form (yes haha he did say REVISION 😂). If you send in a letter that kind of explains your situation, and you include your official diagnosis, then we should be able to completely revise any unsatisfactory grades from the past. Anything you got credit for you'll still get, but the grades themselves won't reflect in your GPA, and we could clear any failed or incomplete classes......You could do super well this semester and BE A 4.0 STUDENT!".... I almost cried. I'm actually tearing up right now just typing this part.
So yeah. I know it's not the most "miraculous" bridge of incidents or manifestation that anybody's ever posted. But if you know me, and you know how my education has been an absolute fucking nightmare, like bane of my existence from first grade to flunking out of college....you'd never think I'd be able to pull this off (what feels like a whole new start) in THREE DAYS. And yes, maybe all of this is just coincidence...but I can 1000% guarantee you, if I hadn't REALLY gotten serious about working on overall self concept and belief the past couple weeks, this simply wouldn't have happened. It wouldn't have. I would have just given up at the first obstacle and probably would've honestly been relieved.
But I truly believe this is a byproduct of changing my self talk and knowing that I AM, and that circumstances DON'T MATTER. And also that, if you have a desire, even if it's spontaneous, but it really speaks to you...go for it! Don't put it off, and don't second guess yourself!
Start that new chapter!!
I start classes on Monday, and I can genuinely say this is the first time in my life I've ever been truly excited to be in school, and KNOW that I'm gonna kick ass and excel.

Reddit, I am going to post this on a throw away because I am scared of potential legal repercussions and well, this person's state of mind and friends. I am a female, as I read this back I realise I almost look like a love sick boy who couldn't see what was in front of him. I had a lot of platonic love for her, she truly was an amazing person.
Before I delve in, it's a long one, so grab a cup of tea, maybe a biscuit or two. I am not sure what Im hoping for here; support, validation, advice? Im not sure, what I am sure of is that I can no longer tell the difference between my logical thought processes and my emotional reactions. So Im hoping you guys can provide a perspective I havent thought of, tell me my title is true and to suck it up, or validate my potential actions.
Once upon a time, I had a beautiful best friend. She just seemed to have the absolute worst luck and I had always been there to support her, we were inseparable. We'd often joke she must be (enter bad person of your choice)'s reincarnate. I say beautiful because she was a beautiful soul, lit up the room, lit up my life, altruistic, kind, thoughtful, considerate and would do anything for anyone, even to the detriment of herself.
The latest in this saga of her drama, she got a brain tumour. To this day we arent sure if it was caused by an accident at work but after that incident a mass was located, it seemed to disappear but less than a month after it disappeared a brain tumour was there in it's place. Michelle, now newly diagnosed with a brain tumour was understandably panicked but I reassured her that it was caught and we'll deal with it, whatever comes, as we always have with life's challenges. I can't tell you where it all went wrong from here, Reddit, so I'll paraphrase to get to my dilemma today. After 2 years, the NHS admit they've never seen a tumour like this, it's not responding to treatment and it's growing at an alarming rate that medication does not seem to be slowing down - at its biggest she claims it was 6cm x 5cm. They decide to withdraw treatment to 'see how it gets on'.
When she's telling me this, all I hear is 'you're going to die' but due to the pain and sleepless nights she seemed oddly at peace with this, thinking it was a good course of action. I express to her that I think the NHS has given up and she should consider private treatment. She expresses concerns about money and I instinctively say 'dont worry about that, we'll just get you right'. I completely underestimated the cost of this treatment it turns out but she managed to get a financial agreement and a medical loan and some other bits and she went ahead with the treatment. The treatment was intense, she couldn't work her full hours and the interest and penalties for late payments were extreme, so I stepped in. I could afford it and I wanted my best friend to focus on her recovery. As part of that she couldn't make her car payments either, which she needed for work and I needed her to have a job so she could one day repay me, so I covered that too, into the 1000s of pounds. Michelle always expressed gratitude, and I asked her not to work so much overtime and to focus on her recovery, that's why I was helping her and told her the more she pushes herself the longer her healing will take so this rush to get back on her feet was actually defeating the aim of getting back on said feet.
At some point, I started to get a weird feeling, she no longer seemed guilty to ask me for money, and the gut feelings kicked in. I started noticing a distance in her which I had assumed it was because she was knackered, recovering and processing basically a near death experience and thought nothing of it. My people pleasing self was happy to help, my selfish self was happy to be keeping my best friend in the whole wide world with me on this earth. There was also a boy... I didnt like the boy, James. I clocked him from the start as a manipulative, borderline narcissistic nasty shell of a man, but she was smitten. Throughout her treatment, she wasnt reliable, cancelling last minute due to being unwell and was dull and depressed often. James did what any boyfriend would do, told her she was 'too much' and left, then came back when he was horny, left again etc (please note this sentence is sarcastic). I told her I wasnt impressed by him and I was not a fan, over the years I worked out they'd have a major falling out every 3.8 months, and they were just the ones I knew about. Michelle was constantly at my house (she moved in and I looked after her for 3-4 months at one point) and was crying her little heart out, showing me his gaslighty texts (go away/come back, hot/cold behaviour), I was there through it all. Many a time I went to work absolutely out of it through lack of sleep, supporting her or being kept awake by her crying herself sleep over him in the next room. I'd take her shopping/out for food and try and console her pointing out that this is not good at all, but she said she needed a man because the comfort he could provide was different. I didnt agree, I thought he was making everything 10x worse, but I understood her thought process. James whisked her off on holiday while I couldn't afford a holiday, I was angry and I spoke to her about it.
I told her that Im glad she got away and had a great holiday but we'd actually had plans, she didnt even tell me she was going, she just went. When she came back we had a big talk and I thought all was well, until 2 weeks later she asks for money for her car. I feel trapped at this point because if I dont pay for the car, she loses her job, no return payment. So I do and spit at her that James should be supporting her after all the trouble he's caused - Im angry. This was July 2022. Michelle tells me that she wants me to like James, I said Im sorry but I dont and Im not going to pretend I do. I remind her of all the times she was crying over him and the events that caused it and of the incident the tumour took her eyesight when she was driving and James refused to tell me where she was so I could pick her up and take her to the hospital. I got it out of her eventually by her telling me where she was when it happened. After the hospital she ranted about his selfishness and manipulation all the way home. I laugh and tell her I hope she remembers this when she's sober from the meds the hospital put her on to reduce the inflammation on her brain (pressing her optic nerve, which is why she lost her eyesight) and gets shut of him.
At some point between then and Feb 2023 she's given the all clear of the tumour, hurrah.
The friendship appears to return to almost normal, but on reflection when I asked her for help (mental and emotional, not financial) someone's always got a bigger thing going on (usually created by themselves) and she just wasnt there for me. I felt entitled to that help given everything I'd done for not only her, but her family which I wont go into (lets just say a suicide attempt and CPS were involved), that's when resentment starts setting in. Im trapped, I can't say anything because if we arent friends, she wont give me the money I loaned her back... So I thought. Michelle then gets herself into a situation with another guy and ends up hooking up with him, though imo she was too drunk to do so. It has been going on for weeks, she was leading him on and I told her it'd backfire, it did. For months she refused to tell him she didnt want him / a relationship, while acting the girlfriend, sloping all over him etc and one fateful night she refused to go home with the designated driver and it happened. The friend group were mortified given it's grey space with what counts as r**e vs drunken mistakes and as a consequence, the friendship group disintegrated. The distance between us continues and I wonder if she blames me because I was the one who introduced her to this friend group. We talk and she says she doesnt hold me responsible, whether that's true, I'll never know.
By summer 2023 I'd been hit by a lot of surprise bills which I'd only just covered, then... knock knock, the tax man says I've underpaid tax and I need to pay it. They'd already capped my tax code and they wanted more so I had to pay it *now*. Then, my oven broken coupled with another surprise bill of £1000. My financial situation is screwed, so I reach out to Michelle, who may well have been dead if it wasnt for me, certainly wouldn't have had a car as it would have been repossessed and explain what's happened. I imply, but do not directly point out she's been working and I really need some help with my oven, she pays lip service to me about how awful it is and she wishes she could help. I push the issue and say it's £120 to repair the oven and Im skint and I can't now cook. Michelle wishes she could help but she "just cant".
A week later, guess who's going on holidays. I hadnt had a holiday for 2 years because I couldn't afford it as she was holding all of my savings. I pushed back some major work on my house I needed to have done because I couldn't afford it and she's.... on Holiday, with James,who she claims she wasnt with. Not to worry through as she claims she's going to treat me to a spa day to show how grateful she is for lending her all this money and I suddenly realise she's been lying about her relationship with him, they'd never broken up at all. I know he's in her ear whispering things about me as he made the mistake of trying to get a mutual friend involved in the slagging off of me, but he didnt join in, told me, and also told me Michelle didnt say anything about my involvement in her recovery (at this point the mutual friend didnt know I'd lent her a shed ton of money. Just that she'd moved in and I'd been looking after her and her family).
My mind casts back to when she was talking about bills and I suddenly realise she's been talking about *his* bills, even though he works full time, and my mind then reminds me she drunkenly told me about paying for family bills. She's been paying everyone's blimming bills apart from her own! I had to quit counselling, which I'd been in since her situation pushed me into a mental breakdown, I was hospitalised for 4 days. I had to cut back on my household bills such as food and mind the heating and worst of all, I had to ask my parents for money to fix the oven and then humiliate myself by explaining why in such a good job I couldn't afford £120 to repair. Well Reddit, if you've got this far and you want to call me an idiot and such, you've got nothing on what my parents said to me. So pretty please, dont bother.
So we are officially... not friends. I withdraw all contact, as predicted, no money comes... and I've no therapist, and cant afford one to help me process and manage this situation.
A few months later, I confront her and she bursts into how she's missed me and wants to meet up with me to make amends. Michelle apparently didnt know what to say! I guess 'Sorry' wasnt in her vocabulary. Im a little taken back, but I say sure... I want to hear what she has to say, so we meet up. All Michelle wants to talk about how great James is apparently, nothing about our friendship, what she did, nothing.
I leave and she asks to meet up soon. Im honest and say I need to process what's happened. She says to contact her when Im ready, I do, 2 weeks later. She blows me off for a meet up, I try again, blown off. That's 3 chances now... I understand now she realises she can't manipulate me into believing her pity party anymore. She's done with me, she can't use me anymore so Im useless.
After the fact I find out that the reason she didnt help me with my oven is she genuinely believes Im Ms Moneybags and that I was lying about my financial situation to 'guilt' her. Ironically, it was her lying about her financial situation as she was paying everyone elses way while I paid hers. I find out she's taken on drugs as a hobby and is exposing her little sister to it.
I contact her a few months later and tell her I want a payment plan. I feel strong, I got this. She messages me back non-nonchalantly and tells me she'll pay me what she can (after holidays, theater trips, day drinking and anything else she fancies, looking at social media) and somehow, the great lord grants me the ability to keep cool and I say Im not comfortable with that and we agree an amount. Im still delusional at this point, I can't believe what's happened and Im convinced she'll see the error of her ways and make amends. Nope. The amount we've chosen will take 3.8 years for her to pay me back in full and she refuses to set up a direct debit. I now suffer migraines, I've been diagnosed with stress, I beat myself up constantly and consistently, I have emotional flash backs/flares ups and Im just not in a good place. I need to get Michelle *out* of my life... but it's not an amount of money I can forgive, I know that for sure.
I cant talk to my friends about it because in some cases she's wronged them, so they're of course on my side. Im sick of being told Im stupid and to blame. I just tried to do a good thing, my parents are also on the -shrugs- "no good deed goes unpunished" side.
She's told me she's coming into some magical pot of money in the first half of this year and will pay me back in full. I dont believe her, and even if she did get this magic pot of money I dont think I'll see any of it. I will give her the benefit of the doubt, pigs may fly. But if not... what do I do? I can't continue to live like this! I accept the brain tumour did kill my best friend in the end, even though she's not 6ft under. I can't stand this new person she's become and dont trust her. I am also concerned about her friends because they have vandalised property of people who went 'against' them before.
So far my thoughts are:

1. In July, ask her to take out a loan and repay the full balance to me, so that we may both move on with our lives - but if she says 'No' what can I do? Can I do anything?
2. In July tell her she needs to pay me the amount she would have paid for her medical bill, she found it before on a lower paying job so now she needs to step up (this will mean she will finish paying me back in 9 months)
3. Court action, so even if I get 10 quid a week, at least it's not in her control.

Help me Reddit, I've been a fool. Do I have to just accept my mistake, hope she does the right thing for nearly 4 years and accept that I was manipulated, taken advantage of, and I am a clown?
Edit: Yes it's documented as a loan, each paypal to her was with a note that said 'Loan - (What is was for)'. Also when we agreed the payment plan she's paid the bare minimum the last 5 months she has agreed in writing the full loan amount and acknowledged that it was a loan.

Reddit, I am going to post this on a throw away because I am scared of potential legal repercussions and well, this person's state of mind and friends. I am a female, as I read this back I realise I almost look like a love sick boy who couldn't see what was in front of him. I had a lot of platonic love for her, she truly was an amazing person.
Before I delve in, it's a long one, so grab a cup of tea, maybe a biscuit or two. I am not sure what Im hoping for here; support, validation, advice? Im not sure, what I am sure of is that I can no longer tell the difference between my logical thought processes and my emotional reactions. So Im hoping you guys can provide a perspective I havent thought of, tell me my title is true and to suck it up, or validate my potential actions.
Once upon a time, I had a beautiful best friend. She just seemed to have the absolute worst luck and I had always been there to support her, we were inseparable. We'd often joke she must be (enter bad person of your choice)'s reincarnate. I say beautiful because she was a beautiful soul, lit up the room, lit up my life, altruistic, kind, thoughtful, considerate and would do anything for anyone, even to the detriment of herself.
The latest in this saga of her drama, she got a brain tumour. To this day we arent sure if it was caused by an accident at work but after that incident a mass was located, it seemed to disappear but less than a month after it disappeared a brain tumour was there in it's place. Michelle, now newly diagnosed with a brain tumour was understandably panicked but I reassured her that it was caught and we'll deal with it, whatever comes, as we always have with life's challenges. I can't tell you where it all went wrong from here, Reddit, so I'll paraphrase to get to my dilemma today. After 2 years, the NHS admit they've never seen a tumour like this, it's not responding to treatment and it's growing at an alarming rate that medication does not seem to be slowing down - at its biggest she claims it was 6cm x 5cm. They decide to withdraw treatment to 'see how it gets on'.
When she's telling me this, all I hear is 'you're going to die' but due to the pain and sleepless nights she seemed oddly at peace with this, thinking it was a good course of action. I express to her that I think the NHS has given up and she should consider private treatment. She expresses concerns about money and I instinctively say 'dont worry about that, we'll just get you right'. I completely underestimated the cost of this treatment it turns out but she managed to get a financial agreement and a medical loan and some other bits and she went ahead with the treatment. The treatment was intense, she couldn't work her full hours and the interest and penalties for late payments were extreme, so I stepped in. I could afford it and I wanted my best friend to focus on her recovery. As part of that she couldn't make her car payments either, which she needed for work and I needed her to have a job so she could one day repay me, so I covered that too, into the 1000s of pounds. Michelle always expressed gratitude, and I asked her not to work so much overtime and to focus on her recovery, that's why I was helping her and told her the more she pushes herself the longer her healing will take so this rush to get back on her feet was actually defeating the aim of getting back on said feet.
At some point, I started to get a weird feeling, she no longer seemed guilty to ask me for money, and the gut feelings kicked in. I started noticing a distance in her which I had assumed it was because she was knackered, recovering and processing basically a near death experience and thought nothing of it. My people pleasing self was happy to help, my selfish self was happy to be keeping my best friend in the whole wide world with me on this earth. There was also a boy... I didnt like the boy, James. I clocked him from the start as a manipulative, borderline narcissistic nasty shell of a man, but she was smitten. Throughout her treatment, she wasnt reliable, cancelling last minute due to being unwell and was dull and depressed often. James did what any boyfriend would do, told her she was 'too much' and left, then came back when he was horny, left again etc (please note this sentence is sarcastic). I told her I wasnt impressed by him and I was not a fan, over the years I worked out they'd have a major falling out every 3.8 months, and they were just the ones I knew about. Michelle was constantly at my house (she moved in and I looked after her for 3-4 months at one point) and was crying her little heart out, showing me his gaslighty texts (go away/come back, hot/cold behaviour), I was there through it all. Many a time I went to work absolutely out of it through lack of sleep, supporting her or being kept awake by her crying herself sleep over him in the next room. I'd take her shopping/out for food and try and console her pointing out that this is not good at all, but she said she needed a man because the comfort he could provide was different. I didnt agree, I thought he was making everything 10x worse, but I understood her thought process. James whisked her off on holiday while I couldn't afford a holiday, I was angry and I spoke to her about it.
I told her that Im glad she got away and had a great holiday but we'd actually had plans, she didnt even tell me she was going, she just went. When she came back we had a big talk and I thought all was well, until 2 weeks later she asks for money for her car. I feel trapped at this point because if I dont pay for the car, she loses her job, no return payment. So I do and spit at her that James should be supporting her after all the trouble he's caused - Im angry. This was July 2022. Michelle tells me that she wants me to like James, I said Im sorry but I dont and Im not going to pretend I do. I remind her of all the times she was crying over him and the events that caused it and of the incident the tumour took her eyesight when she was driving and James refused to tell me where she was so I could pick her up and take her to the hospital. I got it out of her eventually by her telling me where she was when it happened. After the hospital she ranted about his selfishness and manipulation all the way home. I laugh and tell her I hope she remembers this when she's sober from the meds the hospital put her on to reduce the inflammation on her brain (pressing her optic nerve, which is why she lost her eyesight) and gets shut of him.
At some point between then and Feb 2023 she's given the all clear of the tumour, hurrah.
The friendship appears to return to almost normal, but on reflection when I asked her for help (mental and emotional, not financial) someone's always got a bigger thing going on (usually created by themselves) and she just wasnt there for me. I felt entitled to that help given everything I'd done for not only her, but her family which I wont go into (lets just say a suicide attempt and CPS were involved), that's when resentment starts setting in. Im trapped, I can't say anything because if we arent friends, she wont give me the money I loaned her back... So I thought. Michelle then gets herself into a situation with another guy and ends up hooking up with him, though imo she was too drunk to do so. It has been going on for weeks, she was leading him on and I told her it'd backfire, it did. For months she refused to tell him she didnt want him / a relationship, while acting the girlfriend, sloping all over him etc and one fateful night she refused to go home with the designated driver and it happened. The friend group were mortified given it's grey space with what counts as r**e vs drunken mistakes and as a consequence, the friendship group disintegrated. The distance between us continues and I wonder if she blames me because I was the one who introduced her to this friend group. We talk and she says she doesnt hold me responsible, whether that's true, I'll never know.
By summer 2023 I'd been hit by a lot of surprise bills which I'd only just covered, then... knock knock, the tax man says I've underpaid tax and I need to pay it. They'd already capped my tax code and they wanted more so I had to pay it *now*. Then, my oven broken coupled with another surprise bill of £1000. My financial situation is screwed, so I reach out to Michelle, who may well have been dead if it wasnt for me, certainly wouldn't have had a car as it would have been repossessed and explain what's happened. I imply, but do not directly point out she's been working and I really need some help with my oven, she pays lip service to me about how awful it is and she wishes she could help. I push the issue and say it's £120 to repair the oven and Im skint and I can't now cook. Michelle wishes she could help but she "just cant".
A week later, guess who's going on holidays. I hadnt had a holiday for 2 years because I couldn't afford it as she was holding all of my savings. I pushed back some major work on my house I needed to have done because I couldn't afford it and she's.... on Holiday, with James,who she claims she wasnt with. Not to worry through as she claims she's going to treat me to a spa day to show how grateful she is for lending her all this money and I suddenly realise she's been lying about her relationship with him, they'd never broken up at all. I know he's in her ear whispering things about me as he made the mistake of trying to get a mutual friend involved in the slagging off of me, but he didnt join in, told me, and also told me Michelle didnt say anything about my involvement in her recovery (at this point the mutual friend didnt know I'd lent her a shed ton of money. Just that she'd moved in and I'd been looking after her and her family).
My mind casts back to when she was talking about bills and I suddenly realise she's been talking about *his* bills, even though he works full time, and my mind then reminds me she drunkenly told me about paying for family bills. She's been paying everyone's blimming bills apart from her own! I had to quit counselling, which I'd been in since her situation pushed me into a mental breakdown, I was hospitalised for 4 days. I had to cut back on my household bills such as food and mind the heating and worst of all, I had to ask my parents for money to fix the oven and then humiliate myself by explaining why in such a good job I couldn't afford £120 to repair. Well Reddit, if you've got this far and you want to call me an idiot and such, you've got nothing on what my parents said to me. So pretty please, dont bother.
So we are officially... not friends. I withdraw all contact, as predicted, no money comes... and I've no therapist, and cant afford one to help me process and manage this situation.
A few months later, I confront her and she bursts into how she's missed me and wants to meet up with me to make amends. Michelle apparently didnt know what to say! I guess 'Sorry' wasnt in her vocabulary. Im a little taken back, but I say sure... I want to hear what she has to say, so we meet up. All Michelle wants to talk about how great James is apparently, nothing about our friendship, what she did, nothing.
I leave and she asks to meet up soon. Im honest and say I need to process what's happened. She says to contact her when Im ready, I do, 2 weeks later. She blows me off for a meet up, I try again, blown off. That's 3 chances now... I understand now she realises she can't manipulate me into believing her pity party anymore. She's done with me, she can't use me anymore so Im useless.
After the fact I find out that the reason she didnt help me with my oven is she genuinely believes Im Ms Moneybags and that I was lying about my financial situation to 'guilt' her. Ironically, it was her lying about her financial situation as she was paying everyone elses way while I paid hers. I find out she's taken on drugs as a hobby and is exposing her little sister to it.
I contact her a few months later and tell her I want a payment plan. I feel strong, I got this. She messages me back non-nonchalantly and tells me she'll pay me what she can (after holidays, theater trips, day drinking and anything else she fancies, looking at social media) and somehow, the great lord grants me the ability to keep cool and I say Im not comfortable with that and we agree an amount. Im still delusional at this point, I can't believe what's happened and Im convinced she'll see the error of her ways and make amends. Nope. The amount we've chosen will take 3.8 years for her to pay me back in full and she refuses to set up a direct debit. I now suffer migraines, I've been diagnosed with stress, I beat myself up constantly and consistently, I have emotional flash backs/flares ups and Im just not in a good place. I need to get Michelle *out* of my life... but it's not an amount of money I can forgive, I know that for sure.
I cant talk to my friends about it because in some cases she's wronged them, so they're of course on my side. Im sick of being told Im stupid and to blame. I just tried to do a good thing, my parents are also on the -shrugs- "no good deed goes unpunished" side.
She's told me she's coming into some magical pot of money in the first half of this year and will pay me back in full. I dont believe her, and even if she did get this magic pot of money I dont think I'll see any of it. I will give her the benefit of the doubt, pigs may fly. But if not... what do I do? I can't continue to live like this! I accept the brain tumour did kill my best friend in the end, even though she's not 6ft under. I can't stand this new person she's become and dont trust her. I am also concerned about her friends because they have vandalised property of people who went 'against' them before.
So far my thoughts are:

1. In July, ask her to take out a loan and repay the full balance to me, so that we may both move on with our lives - but if she says 'No' what can I do? Can I do anything?
2. In July tell her she needs to pay me the amount she would have paid for her medical bill, she found it before on a lower paying job so now she needs to step up (this will mean she will finish paying me back in 9 months)
3. Court action, so even if I get 10 quid a week, at least it's not in her control.

Help me Reddit, I've been a fool. Do I have to just accept my mistake, hope she does the right thing for nearly 4 years and accept that I was manipulated, taken advantage of, and I am a clown?
Edit: Yes it's documented as a loan, each paypal to her was with a note that said 'Loan - (What is was for)'. Also when we agreed the payment plan she's paid the bare minimum the last 5 months she has agreed in writing the full loan amount and acknowledged that it was a loan.

This is a long one, hang on tight.
So I rented a U-Haul over a year ago to help my cousin and his girlfriend move his mothers belongings after she died from cancer. We had extended the contract several times because there were some issues with the estate and it took longer than we anticipated to move things. My cousins girlfriend paid with her debit card. I was close to my aunt, and trying to help was my fatal flaw. There were no issues with the rental (so far as I was told), and the vehicle was returned on time per the final reservation, paid in full.
Fast forward to a few months later - I book a U-Haul to move a piece of furniture for a charity I occasionally volunteer for. I book the rental through the app & when I show up to pick up the U-Haul there seems to be a problem with the app. I go inside and at first everything is going fine. I’m nearly done with the transaction and suddenly the employee (who’s name tag IDs him as D* the assistant manager) refuses to rent the U-Haul to me and says that I have an “e alert” due to outstanding balance. I have no clue what he’s talking about, so he shows me on the screen a balance from a different rental contract that my cousins girlfriend had in her name, at a different date/time. Apparently she returned the truck late or something??? (the U-Haul ASM seemed to be intentionally vague about the problem and why it was also MY problem), he stated that she owed $571.80 and had returned that vehicle so late that they were about to report it stolen to the police.
So at this point I tell him that I didn’t agree to be affiliated with her for any additional rentals, and I confirm with him that the only reason we were affiliated is because she paid for my rental with her debit card. I didn’t sign any other contracts, I don’t understand how I am banned from U-Haul for something that had nothing to do with me - nor did U-Haul ever contact me about any problems (he stated that I was listed as the secondary emergency contact?), and because her payment method was attached to my name/account, I am banned until she pays her outstanding balance. He actually got very shitty with me because he was annoyed that I was asking “too many questions” and “writing things down” (at this point I started recording how he was speaking to me, not pointing the phone at him or anything, I just had it in a jacket pocket so I could document his disrespectful & rude customer service). His face is red, he is sweating and spitting as he screams at me - at this point I recognize that he is not going to be helpful, and I asked for the managers contact info. He refused to give it to me and said I can “call the store on Monday and ask for the manager”. I asked if there was an appeal process or anything for this e alert and he told me there was not. I told him that I work in law enforcement and that I would expect that if a vehicle is going to be reported stolen that u-haul would at least contact me if I’m listed on the account to attempt to recover the vehicle? I verify that they have my phone number and ask why I wasn’t contacted. He starts saying that there’s nothing more he can do and he won’t be renting to me at all, still with a pretty rude attitude. He’s just repeating over and over “you can leave you’re not getting a truck” He also said some disparaging things about my job. Mind you I have this all recorded (legally - we are in a public space with other customers, where there is no expectation of privacy. Additionally U-Haul also has signs on the doors and walls that state they are using audio/video recording).
So now I’ve got furniture sitting outside a neighbors driveway with nowhere to put it, a charity waiting to receive it, and I now have no way to transport it. I called my mother and she agreed to rent the truck to help. My 65y/o mom shows up to rent a truck, so we’re standing there together and the ASM guy totally flips out, tells the other employees to leave the sales floor, and refuses to rent to her. I have no idea if she’s banned now or not. I ask him politely how I can get this issue resolved and he states that I need to speak with “L” in their “traffic division” but says that she’s not available. So my mother and I both start walking to the door and this assistant manager is waving his hand with spirit fingers over his head and going “byeeee, byeeee, have a nice weekend!” in like a mocking way.
I’m in the parking lot apologizing to my mom for making her come down there and be subject to that guys assholery, as I’m about to get in my car, I realize I left my ID and my favorite pen laying on the counter. When I go back inside to retrieve it, he is on the store phone on speakerphone (not his personal phone) speaking to a female about me in a not so nice way. I hear enough of the conversation to realize that this is “L” from the traffic division that he just told me was “unavailable”. As I reach the counter I ask if I can speak to her and he begrudgingly says “go ahead” and mumbles something and then just leaves. Like walks out the front door. So I start explaining the situation and she stops me and says “just wait there for a moment I’ll be right down”. And, voila! She appears from a loft office and comes down stairs to the sales floor to speak with me. 😑 I’m just thinking “wtf is happening here.” “L” is super apologetic and very kind and tells me that there is nothing that she can do because he outranks her as the assistant manager, and the only person that can remove the e alert is him, or the store manager, or someone at another location in the event that my cousins girlfriend pays the outstanding balance. Now, I make okay money… but I don’t make pay-someone-else’s-$600-bill-so-I-can-rent-a-truck money.
On Monday I call and speak with the manager, who has no idea that any of this occurred - the ASM just neglected to tell him about the whole issue. Again, he’s super nice and apologetic. He says he is going to look into it and get back to me. He never gets back to me - so I’m guessing that “D” either told him a different version of events or put some bad notes on my account or something. I call and leave messages, I never hear back. So I call the e alert team, and again - at first everything is going fine and it seems like I’m making progress… and I am put on hold while the e-alert rep reads the notes on my account and then I get iced out. She says she can’t even tell me exactly why I have an e-alert, only that it could be any number of various issues.
There is no appeal process. There is no way to file a complaint about the ASM or even anyone I can speak to and okay the audio file for to confirm that not only was the guy totally unhinged, but he lied about multiple things while I was speaking with him.
So that’s just it then… Is that seriously how U Haul runs their business, with zero oversight and no way to actually correct a mistake in their system, or to hold their employees accountable (rhetorical)? Of course I am moving next month and kind of need a truck. Apparently the only way to get this issue resolved is tracking down my cousins now estranged ex girlfriend and somehow forcing her to pay a bill. A bill that is not mine. 🤨I am basically flabbergasted and wished there was a competitor in the area I could rent from…. But there doesn’t seem to be. And also… I’m kind of pissed just on the principle of the matter.

So long story short. I made a payment of 1000₹ through Phonepe wallet to a person which he didn't receive for next 1 hour and ultimately I had to pay him through UPI. I raised this issue with Phonepe support team thrice but they said they don't have any records of the payment. I even gave them the transaction ID of the payment but again , they said the given transaction ID doesn't exists. I have the proofs of the ticket in text , I have a call recording with the Phonepe support team agent who confirmed that they will look into it. To my surprise, as soon as the call was disconnected, they closed the ticket which was raised stating it's a bank issue so please contact your bank ( It took me half hour to convince them since the payment issue is with their wallet hence the banks aren't involved and yet they closed it stating bank issue ). I even asked them to tally wallet balance from the day I loaded 5k into my wallet and just do a simple credit - debit query and they will see a difference of 1000₹ their but the support team is so dumb that they do not understand the basic mathematics. So basically my 1000₹ just vanished into thin air is what they are saying.
Kindly let me know , what are my options now , can I raise a consumer forum , RBI ombudsman etc complaint?? Which sort of complaint can I officially take against Phonepe .

Casino Site	Bonus	Limits	Legal in
Meta Spins Casino	100% up to 1 BTC	0.0001 BTC, 0.01 ETH/LTC, 5 USDT/USDC, 0.001 BCH, 10 TRX, 1 ADA/DOGE	Not legal in the USA! VPN accepted
Bit Starz	€500 or 5BTC + 180 Free Spins Deposit.	Type Bitcoin; Fee 0%; Processing time Instantly; Limit per transaction. Min 0.0003 BTC.	Not legal in the USA! VPN accepted
7 bit casino	The welcome package at 7 Bit Casino is a four-part bonus, and you can unlock deposit bonuses and free spins to use as follows: Deposit 1: Receive a 100% deposit match up to 1.5 BTC and 100 free spins. Wagering requirements of 35x apply. Deposit 2: Receive a 75% deposit match up to 1.25 BTC and 100 free spins.	You can deposit a minimum of 10 USD, and withdraw a minimum of 20 USD.	Must be 21+, not available in the USA in most deposit methods, available in crypto. VPN friendly

1. Meta Spins Casino - the best choice for US gamblers

At Meta spins, there are more than 2,500 fun games to play from top companies like NetEnt, Microgaming, and Evolution Gaming. You can find all kinds of games, like slot machines, card games, and more.
Slots: Meta spins has lots of slot games to choose from, including popular ones like Starburst and Gonzo’s Quest. They have new games and old favorites with cool graphics and chances to win big prizes. Some cool slots to try are Big Bass Bonanza, Money Train 2, and Sweet Bonanza.
Table Games: If you like traditional casino games, Meta spins has you covered with classics like roulette, blackjack, baccarat, and different types of poker. You can play exciting versions like Speed Roulette, Lightning Dice, and No Commission Baccarat. There are betting options for everyone, and the games load quickly for seamless playing.
Live Casino: In the live dealer section, you can feel like you're at a real casino. The games are streamed in high-definition from fancy studios, and there are real dealers to interact with. Some popular games include Football Studio, Lightning Roulette, Dream Catcher Money Wheel, Crazy Time, and Monopoly Live.
Fair Games: At Meta spins, fairness is important, especially since it's a crypto-focused platform. They use a special algorithm that lets players check if games are fair by comparing the chances of winning. Lots of games like slots, table games, and instant wins are available in this fair form, including titles like Princess Royal, Crash, Baccarat, and Cyber Dragon 2077.
With so many different games to choose from, Meta spins has something for everyone. Whether you like slots, cards, or quick wins, there's a game for you!
Big Lottery: At Meta spins, they don't just have casino games, they also offer something called the Mega Lotto, where you can win big prizes.
The Mega Lotto is a special kind of lottery that uses blockchain technology. Draws happen every 5 minutes, and tickets only cost $1 each. You can win more than you might expect compared to other lotteries.
A computer randomly picks 7 numbers between 1 and 48. When you buy a ticket, you choose 7 numbers, and if 4 or more of your numbers match the draw, you win prizes. If all 7 numbers match, you hit the jackpot!
Welcome Bonus: When you join Meta spins, they give you a big bonus to welcome you! They'll match 100% of your first deposit, up to 1 BTC, which means they'll double your money. This gives you more to play with and try out their many games.
Here's how to get the bonus:

1. Make a Meta spins account.
2. Deposit at least 0.002 BTC for your first deposit.
3. They'll automatically add the 100% match bonus to your account. For example, if you deposit 0.5 BTC, you'll get the maximum bonus of 1 BTC, so you'll have a total of 1.5 BTC to play with.

You'll need to bet the bonus money 7 times before you can take out any winnings. This is much better than the usual 40-50 times you see with other bonuses, making it easier for you to enjoy your winnings.
Welcome Bonuses: Meta spins likes to give new players a warm welcome with some extra goodies. When you join, they'll match 100% of your first deposit, up to 1 BTC, which means they'll double your money. Plus, you'll get 200 free spins if you deposit at least $50. These spins will be given to you in batches of 20 each day for 10 days, and you can use them on the Princess Royal slot.
To get the bonus:

1. Sign up for an account on Meta spins.
2. Deposit at least $10 worth of crypto to start playing.
3. They'll automatically add the bonus money and free spins to your account.

You'll need to bet the bonus money 7 times before you can take out any winnings. And you have 7 days to do this after getting the bonus. Remember, only real money bets count towards meeting the wagering requirement.
Signing up is quick and easy, and you don't need to provide any ID at first. You can start playing right away! But keep in mind, you might need to verify your identity later, especially when you want to withdraw your winnings.
Meta spins also has regular promotions and a loyalty program to keep their players happy. You can get cashback, reload bonuses, and even special rewards just for playing regularly.
When it comes to payments, Meta spins accepts various cryptocurrencies like Bitcoin, Ethereum, and more. And when you're ready to cash out your winnings, they process withdrawals super fast, usually within 10 minutes.
Overall, Meta spins is a safe and trustworthy place to play. They have all the right security measures in place to protect your personal information and make sure games are fair. So, you can enjoy playing without worrying about safety.
Mobile Experience: At Meta spins, you can easily play on your phone or tablet without needing to download any special apps. Their website adjusts to fit your screen perfectly, whether you're using a small smartphone or a bigger tablet.
The games load quickly, even on older phones, because they don't use heavy apps. You get all the same features as you would on a computer, like depositing money, claiming bonuses, and playing fair games with live dealers.
You won't miss out on anything when you play on your phone. Everything from the games to the bonuses works just as well on mobile. The layout is easy to use, and everything fits nicely on the smaller screen.
With Meta spins, you can enjoy playing your favorite casino games wherever you are, whenever you want. Their mobile experience is super convenient and doesn't compromise on quality.

2. Bit Starz US Crypto Casino

What Does "Provably Fair" Mean? As online casinos like Bit Starz grow, you'll hear the term "provably fair" more and more. This means that you can check if the game is fair. At Bit Starz, every Soft Swiss game is provably fair, but what does that mean exactly?
It means that before you play, you can verify that the game is fair. They use a special method that makes it impossible for you or the casino to know the outcome beforehand. You'll see a fingerprint before the game starts, showing the spin that will be used. After the game, you can confirm that this was the spin used.
For example, with roulette, they use a computer model and a random spin. The fingerprint combines the spin and a "secret" number. This creates a unique fingerprint for each spin, making it impossible to predict the outcome. You can check if the spin matches the fingerprint after the game.
Similar methods are used for other games on Bit Starz, like dice games and card games. You can find technical details about these methods on their website.
How Soon Can You Cash Out Winnings? When you win at Bit Starz, you can withdraw your money quickly. They use an automatic processing system, so the average cash-out time is less than 10 minutes.
How Do You Deposit Money and Withdraw Earnings? Depositing money and withdrawing earnings at Bit Starz is easy. They offer many methods, including credit and debit cards, e-wallets, and bank transfers. Some of these methods include Visa, Mastercard, Skrill, and Bitcoin.
After you win, your transaction will pend for less than an hour. Withdrawals to e-wallets are fast, usually within an hour. Withdrawals to cards may take up to 24 hours, and bank transfers can take one to three days, depending on your bank.
How Do You Create a Bit Starz Account? Creating an account at Bit Starz is easy. Just click "Sign Up" on the website, enter your information, and verify your email address. You can only have one account per person, and your account can hold multiple currencies.
Is the Support Team Experienced? Bit Starz has a support team with at least three years of experience in casinos. They're available through live chat, so getting help is easy.
Can You Play for Free? Yes, you can play for free on Bit Starz. This lets you try out the games and find your favorites before betting real money.
What Kinds of Games Are There? Bit Starz offers a variety of games, including dice games, card games, roulette, and slots. They're divided into categories like "Slots" and "Table Games," so you can easily find what you're looking for.
In Conclusion Bit Starz stands out from other online casinos because it's provably fair, offers quick cash-outs, and has a wide range of games. Plus, you can play with Bitcoin, which is rare in casinos.

3. 7 bit Casino for US players

With cryptocurrencies like Bitcoin becoming more popular, online gambling has changed. Cryptocurrency casinos let players deposit and withdraw money quickly and anonymously using digital coins. One of these casinos, gaining popularity, is 7 Bit Casino.
Founded in 2014, 7 Bit Casino allows deposits and games using Bitcoin and other major cryptocurrencies. In this review, we'll look at its features, games, bonuses, banking, security, and support. Whether you're new to crypto gambling or experienced, this review has all the info you need about playing at 7 Bit Casino.
We'll talk about the good and bad points of 7 Bit Casino to help you decide if it's right for you. With lots of slots, table games, live dealers, and more, 7 Bit aims to be a go-to place for crypto gambling fun.
7 Bit Casino has been around since 2014 and has become one of the top online crypto casinos. It's owned by Dama N.V. and holds a license from the Curacao government, showing it's trustworthy. Whether you like using regular money or digital coins, 7 Bit has something for everyone.
When you visit the site, you'll notice its modern design and easy navigation. They have thousands of games, including slots, table games, and live dealer options, from popular providers like B Gaming and Bet Soft.
Slots They offer lots of slots, from classic fruit machines to modern video slots with fun themes. Some popular ones are Book of Pyramids and Lucky Sweets.
Table Games If you prefer table games, they have blackjack, roulette, baccarat, and poker, with different versions to try. Plus, they have special tables where you can use Bitcoin.
Live Dealer Games For an authentic casino experience, you can play live dealer games with real croupiers. They stream games like roulette and blackjack from studios, so you feel like you're in a real casino.
Other Games 7 Bit also has unique games like crash games, dice games, keno, mines, and Plinko. These offer high potential payouts and add more excitement to the casino experience.
Welcome Bonuses New players can get big bonuses on their first four deposits, up to 5 BTC and 300 free spins in total. The wagering requirements are standard for the industry, but the bonuses are still very generous.
Overall, 7 Bit Casino is a great choice for anyone looking for a fun and rewarding online gambling experience, whether you prefer using regular money or cryptocurrencies.
7 Bit Casino Promotions and Loyalty Program
Regular Promotions In addition to the welcome bonus, 7 Bit Casino offers regular promotions to reward loyal players:

• Monday Reload Bonus: Every Monday, deposit with a bonus code to get a 25% or 50% match up to 0.009 BTC and free spins.
• Wednesday Free Spins: Midweek, get up to 210 free spins on selected slot games with a minimum deposit.
• Weekend Cashback: Earn up to 20% cashback on weekend losses if you deposited and played through your balance.
• 7 Bit Casino Races: Join daily, weekly, and monthly races to win prizes by playing your favorite games.
• Birthday Bonus: Receive free spins, reload bonuses, or cash prizes on your birthday, automatically credited to your account.
• Holiday Specials: Enjoy promotions like free spins, bonuses, and giveaways during holidays like Halloween and Christmas.
• VIP & Loyalty Program 7 Bit Casino has a VIP program called the 7 Bit Casino Club with multiple tiers offering increasing rewards. Players start at tier 1 and move up by earning Comp Points through real-money bets.

Higher tiers enjoy bigger reload bonuses, faster withdrawals, increased Comp Point multipliers, and better race prizes. Top VIP levels receive dedicated account managers, unlimited withdrawals, and event invitations.
The loyalty program also offers cashback, birthday bonuses, and custom offers based on player activity and preferences. With these VIP perks, 7 Bit Casino shows appreciation for loyal players.
7 Bit Casino Payment Methods 7 Bit Casino supports various deposit methods:

• Cryptocurrency: Bitcoin, Ethereum, Litecoin, Dogecoin, etc., with instant processing and no fees.
• Credit Cards: Visa and Mastercard, with a 2.5% processing fee.
• E-wallets: Skrill, Neteller, EcoPayz, with no fees and instant deposits.
• Bank Transfer: Wire transfers available in EUR, USD, AUD, with no fees but slower processing.
• Neosurf: Prepaid vouchers available in stores, with a small fee. Minimum Deposit starts at 0.0006 BTC or 1 EUUSD for fiat currencies.

Withdrawal Options For withdrawals, 7 Bit Casino offers:

• Cryptocurrency: Immediate processing for Bitcoin, Ethereum, Litecoin withdrawals.
• Debit/Credit Card: Visa and Mastercard withdrawals, taking 1-3 days.
• E-wallets: Skrill, Neteller, EcoPayz withdrawals, processed within 24 hours.
• Bank Transfer: Standard wire transfers in EUR, USD, AUD, with slow processing. Minimum Withdrawal: 0.0007 BTC for Bitcoin, 20 EUUSD for fiat currencies.

With a range of deposit and withdrawal methods, 7 Bit Casino ensures a fast, secure, and convenient banking experience.
Is 7 Bit Casino Legit? 7 Bit Casino holds a gambling license from the government of Curacao, indicating legitimacy. Games come from reputable providers like Bet soft and Microgaming, ensuring fair play. The casino uses SSL encryption to protect user data, prioritizing security. Players report fast payouts, especially for cryptocurrencies, indicating trustworthiness. There are few complaints about the casino, mostly from restricted countries, with overall positive experiences from players. Operating since 2014 and owned by Dama N.V., 7 Bit Casino has a longstanding reputation in the online gambling space, suggesting legitimacy. While players should gamble responsibly, 7 Bit Casino appears to be a legitimate platform for secure and fair gambling experiences.

4. Stake SweepCoin Casino for US players

It's a sweepstakes casino, which means you can play for free or buy extra Gold Coins (GC) to win prizes. But here's the twist: Stake only uses cryptocurrency – no bank cards or e-wallets allowed.
There are lots of cool things at Stake, like regular promotions, special challenges, and a VIP club. You might also recognize their branding from the Kick Sauber Formula 1 team sponsorship for the 2024 and 2025 seasons.
Note: Stake isn't available in Idaho, Kentucky, Michigan, Nevada, New York, Vermont, and Washington.
First Purchase Bonus
Right now, there aren't any special offers for people buying Gold Coins (GC) for the first time. But you can still get a lot of GC for a low price, which is worth it. And when you buy, you'll also get some free Sweeps Coins (SC) along with it.
Here's how much you can get:

• $20 gets you 200,000 GC and 20.2 SC
• $50 gets you 500,000 GC and 50.5 SC
• $100 gets you 1,000,000 GC and 101 SC
• $200 gets you 2,000,000 GC and 203 SC
• $300 gets you 3,000,000 GC and 306 SC

Promotions
Stake has lots of promotions where you can win big amounts of GC. They sometimes have special challenges based on certain slot games. Just by logging into your account every day, you can get bonus drops. There are also tournaments, random drops on social media, and rewards as part of their VIP program. You can win lots of GC or Stake Cash through these promos, and you usually don't need a special code to get them.
Banking
At Stake, you can only use cryptocurrency to buy and cash out GC. It's not for everyone, but it's easy and safe. And there are lots of different cryptocurrencies you can use, like Bitcoin, Dogecoin, Ethereum, Litecoin, USDC, and Chainlink.
Getting Your Cash Prizes
When you win Sweeps Coins (SC) during your games, you can exchange them for real cash in your cryptocurrency account. While it would be nice to have more ways to cash out, using crypto is fast and easy. Right now, you can cash out at the rate of one SC equals $1. And there's no limit, so you can cash out as little or as much as you want.

Firstly, sorry If I am missing any information, my knowledge on Credit Cards is pretty limited.
Age: 18 Current card(s): Discover It Student Cash Back w/ $1,250 credit limit & Step Visa (Debit credit builder) TransUnion: 735 EquiFax: 754 Experian: 717 Hard Inquiries: 2 (Credit Union account & JPMCB) Credit age: 8 months Usage: Never over 10%, always hovers around 3-6%
AGI: $17,472 Rent: $0 (live with parents) I currently pay no subscriptions / have any debt obligations.
Hey everyone! I just had a question on where I should begin to take my credit journey next when the time comes. Discover just recently last month raised my credit limit from $500 to $1,250 after I requested a credit limit raise with my new income. I've never missed a payment and always pay my full balance at the beginning of each month and never go above 10% on the credit card. I opened a Step Visa (debit credit builder) under my mom before I turned 18 which helped me get 2-3 months of credit history before ever having a credit card. I'm currently on the "Path to Apple Card" but I know that the benefits that you get from the card aren't the best, especially since you're forced to use Apple Pay for most of the benefits anyways. I was looking into the SavorOne Student Card but I didn't know if it was a smart idea to carry two student cards at once, or to just wait until I was able to apply for a non-student one. I was also taking a look at the WellsFargo Active Cash card, but never applied because I didn't know if I'd get approved. I stupidly applied for the Amazon Prime Visa back in December with barely any credit history so now I feel as though a Chase card wouldn't be the best but I could be 100% wrong. For reference, I'm an incoming Freshman in college and will soon end up having a monthly rent obligation of ~$500-600 per month living in an apartment. If anyone has any recommendations for any "catchall" or cards with really good benefits that I am able to break into that would be amazing! Thanks in advance.

I was in office got a pre-recorded call from FedEx (+918102002692) saying a parcel I had sent has been undelivered to know more press 1. I pressed one, the guy on the other side you had sent a parcel from Mumbai to Taiwan which has been confiscated by Mumbai custom team as there was objectionable item. My wife's office is in Mumbai and does business with Taiwan. I thought maybe she would have had sent something. The FedEx guy said Sir seems your Aadhaar has been misused please report to Mumbai Crime Branch, I said okay. He then gave me details of the parcel, said it contains 5 international passports, 2 credit cards, 200g MDMA, 1 laptop and 50,000 cash. I was like shit my id is being misused. He said Sir I can connect you with Mumbai Crime Branch and you can report the issue before something big happens (200g MDMA sun k meri pehle fat li). He connected me to a guy, he said he was from crime branch and asked me to explain, I gave him the details, he said do you know what MDMA is, what is the punishment, you are gone, you could land in jail for life. He said he is transferring the call to his senior, where I can register an FIR. The second guy joins the line, asks me to come to Mumbai, I said I can't, won't get leaves at such short notice, he said nahi its serious, this js international drug trafficking, you don't know the importance and severity of the case. I said don't you have any mechanism to take my complaint online, he said fine, please download skype and call me on this ID. I called him on Skype, he said please give your statement, please be clear, specific, you can't change your statement once given, bla bla, i was shit scared by now. Then he takes my statement and asks for my Aadhaar copy for verification of identity. I the. Recive a copy of FIR on Skype itself. I am even more scared now. The guy switches on his video, I see a police station, with desktops here and there with people in police uniform on phone and Gandhi Ji ka portrait, Mumbai police ka logo, he then said Sir you are a potential suspect for money laundering, international drug trafficking and falsifying information. Meri fat li. I said what next then, he said we will very your bank account for any hawala transactions so please state last 4 digits of your account number and exact balance on date. I shared for all accounts. He reports this to someone on phone and he responds by saying this person has active account all over India in various states and multiple sim cards are also registered under his name. This guy comes to me saying, Sir the allegations against you are serious and so we will have to put you on surveillance untill we have verified your accounts. He said please keep your camera on at all times and don't speak to anyone, don't use any electronic device. I said okay, I come home with my camera on. I tell my wife dheere se, she said I have never ever sent anything to Taiwan and suggests me to ask for the IDs of people on other side, I ask for IDs, the guy says please talk to my senior, the senior starts yelling at me and threatening me, saying I am being polite and you have the audacity to ask for my ID. I was done by now, I rushed to the nearest police station, they spoke to the guys on phone, these guys are yelling at police too and disconnect the call. Police said, it was a scam please exercise caution. I go home and freeze all my bank accounts for any debit. I think these people were either trying to hack into my phone as they had a continuous line and had sent me a pdf which may have had contained some virus using which they could have hacked my phone and swept the money or could have made a demand for ransom after troubling me after long.

I was in office got a pre-recorded call from FedEx (+918102002692) saying a parcel I had sent has been undelivered to know more press 1. I pressed one, the guy on the other side you had sent a parcel from Mumbai to Taiwan which has been confiscated by Mumbai custom team as there was objectionable item. My wife's office is in Mumbai and does business with Taiwan. I thought maybe she would have had sent something. The FedEx guy said Sir seems your Aadhaar has been misused please report to Mumbai Crime Branch, I said okay. He then gave me details of the parcel, said it contains 5 international passports, 2 credit cards, 200g MDMA, 1 laptop and 50,000 cash. I was like shit my id is being misused. He said Sir I can connect you with Mumbai Crime Branch and you can report the issue before something big happens (200g MDMA sun k meri pehle fat li). He connected me to a guy, he said he was from crime branch and asked me to explain, I gave him the details, he said do you know what MDMA is, what is the punishment, you are gone, you could land in jail for life. He said he is transferring the call to his senior, where I can register an FIR. The second guy joins the line, asks me to come to Mumbai, I said I can't, won't get leaves at such short notice, he said nahi its serious, this js international drug trafficking, you don't know the importance and severity of the case. I said don't you have any mechanism to take my complaint online, he said fine, please download skype and call me on this ID. I called him on Skype, he said please give your statement, please be clear, specific, you can't change your statement once given, bla bla, i was shit scared by now. Then he takes my statement and asks for my Aadhaar copy for verification of identity. I the. Recive a copy of FIR on Skype itself. I am even more scared now. The guy switches on his video, I see a police station, with desktops here and there with people in police uniform on phone and Gandhi Ji ka portrait, Mumbai police ka logo, he then said Sir you are a potential suspect for money laundering, international drug trafficking and falsifying information. Meri fat li. I said what next then, he said we will very your bank account for any hawala transactions so please state last 4 digits of your account number and exact balance on date. I shared for all accounts. He reports this to someone on phone and he responds by saying this person has active account all over India in various states and multiple sim cards are also registered under his name. This guy comes to me saying, Sir the allegations against you are serious and so we will have to put you on surveillance untill we have verified your accounts. He said please keep your camera on at all times and don't speak to anyone, don't use any electronic device. I said okay, I come home with my camera on. I tell my wife dheere se, she said I have never ever sent anything to Taiwan and suggests me to ask for the IDs of people on other side, I ask for IDs, the guy says please talk to my senior, the senior starts yelling at me and threatening me, saying I am being polite and you have the audacity to ask for my ID. I was done by now, I rushed to the nearest police station, they spoke to the guys on phone, these guys are yelling at police too and disconnect the call. Police said, it was a scam please exercise caution. I go home and freeze all my bank accounts for any debit. I think these people were either trying to hack into my phone as they had a continuous line and had sent me a pdf which may have had contained some virus using which they could have hacked my phone and swept the money or could have made a demand for ransom after troubling me after long.

The two suspensions:
First
I first created my account and in midst of the onboarding I wrongfully chosed "Pago mis cuentas/Banelco" as the payment option. (Some argentinean pre-pay method)
Then I was told to make a deposit of ~5600 ARS and that it'd take 5 business days.
I then managed to change the payment method to Debit card, but in the meantime I got hit with a suspension because I had an oustanding balance:
1) First and foremost my balance reads 0
2) No ads were ever run in this account
3) I even made a deposit of 1000 ARS to prove the Debit card is valid.
Second suspension:
I'm about to finish creating my campaign and I get hit with a second suspension. This time for "Malicious Software".
We run an Artificial Intelligence startup that offers Content Marketing help to Digital Agencies. We're definitely not "malicious" in any sense.
Please I would like to understand what part of our website they find malicious to make the proper changes. However with no information on Google's side on what needs to change I find it very difficult to make the changes needed.
I would like to request a human manual review of our website, but can't find how.
Tried calling the phone number that appears in ads.google.com and the representative tells me to initiate a request in https://support.google.com/ and to select "EMAIL".
However the email option is not avaible, only chat. Unfortunately the chat support is the same as the phone support and tells me to initiate a request for email in the same url (https://support.google.com/)
This recursive maze is driving me a bit crazy.
If anyone can help me in any sense, I'd appreciate it a lot!

Obviously using a throwaway for this.
First of all, let me be clear that this is a VENT about personal finances. It's against the sub rules to ask for money or provide money. And I know there are lots of good souls out there that love to help, but reality is the only thing that will get me out of this situation is time and diligence. So please just take this for what it is. I have no one to vent to about this mess and I need to get it off my chest.
I've kept a good and optimistic attitude throughout this whole situation. But today I'm in tears. It's all crashing down on me after a year of hanging in there.
I don't know if this is necessary financial ruin, but it feels like it. I grew up on the poorer side of middle class with parents who were terrible with money. It took me a long time to figure out how to get financially comfortable in life. A lot of mistakes were made and lessons were learned, but ultimately I was able to make a comfortable living alongside my husband for our family. It should be noted here that, though my husband made a good income too, I was definitely the breadwinner.
We had to move very suddenly for my husband's job back in 2021. It was very expensive, but that was fine, I utilized a credit card for the situation knowing I'd be able to pay it back down at a comfortable pace over the next year. I was in grad school and would graduate at the end of 2022, which would lead to a nicer paying job for sure. Welp, I became pregnant with our second child right at the end of my last semester. No big deal, I'll stay at the company I'm at for another year and work on some new skills before I start applying to new jobs. I loved the people I worked with anyway, despite it being a high stress job. Layoffs kept happening, but I had a good reputation in the company and had made a measurable impact during my time there. Until one day when it was finally my turn to go.
I had been there for 5 years. I had done so much for them. In the end, I was a name on a spreadsheet to a bunch of people at our parent company who barely touched our subsidiary company unless it had to do with increasing the bottom line. They didn't even know I was pregnant. They put me out on my ass in a wave of layoffs while I was 6 months pregnant. "NO ONE IS GOING TO HIRE ME!" I said frantically to the poor young HR girl on the phone explaining "what happens next". I managed to negotiate some additional severance, which in the end only delayed the financial bleeding we were about to experience. After a whirlwind of a week, I reset my attitude and got to work. I've never been one to accept defeat; I have to do everything within my power to keep us comfortable. One of the first things I did was call up one of my colleagues from another team that I worked closely with. A few months prior I had explained to him that I want to get some hand-on experience with a software that I enjoyed learning, and he told me about how he volunteers for this AWESOME nonprofit managing that software for them and he'd allow me to help so I could get experience that way. At the time I didn't have enough time to dedicate to it, but now that I was unemployed it was the perfect time. To this day I'm so so so glad I jumped on that opportunity when I did.
I knew no one was going to hire me, but I tried anyways. Something else to know about me is that I try to be as honest as possible. Honesty is an important core value to me. And so I was completely upfront about my condition when I began looking for work. I had a ton of friends and former colleagues eager and willing to help, but in the end no one could work with my situation. Understandable. I was told by a few of my friends/family that I was stupid for disclosing my pregnancy up front. I felt it was the right thing to do, and I didn't want to start off a working relationship with my new manager and/or company with a deceit that would impact everyone I was supposed to be working with. It just felt wrong, you know?
Eventually the opportunities within my personal network dried up. Meanwhile, I poured hours into my resume and job hunt. No responses. I had a great resume and great experience. I was willing to take a junior level job, and thought it might actually be best even though I was a director when I was laid off. Having a brand new baby and trying to learn a new job AND leading a team on top of all that? Sounded like it would be best for the team and my mental health if I could focus on being an individual contributor until life with the new baby settled down. I loved being in leadership, so I'm sure I'd work my way back up there. I applied to all levels of jobs though. Constantly. Every. Day. And all year it was radio silence. The competition was fierce. I wouldn't have minded a job that had me go into the office every day, but I live in an area with very few tech jobs so those opportunities were few and far between. By the end of my job hunt I only had 4 phone interviews, 1 first round video interview, and another with too many to count that I ultimately was rejected for.
We kept our oldest son in daycare so as not to disrupt his situation, plus it would be hard to get back in. Waitlists everywhere, you know the drill. We thought surely once the baby came that I'd land a job pretty quickly. This is one of my big regrets. I should have saved the money and pulled him out right away. It was shortly after the baby came, right after I was rejected from one of those interviews, that I finally lost hope and withdrew my oldest from daycare. Our savings was running out and unemployment paid pennies. Never thought I'd experience the SAHM life. It was honestly a good experience though, because I learned just how capable I was to adapting to the situation I didn't want. I even started to enjoy it, though I missed having a job. Let me tell you what though, we all know factually what a hard job it is to be a SAHM but it is definitely one of those things where you do not truly know until you experience it for yourself. During this time we're broke, but our spirits are still up. It probably helps that I'm taking medication for PPD (PSA: Don't skip it! Accept the help so you can enjoy your baby!!)
Anyways, moving on. In September was when the medical stuff began happening. My OB was suspicious that something was going on with my thyroid, so she sends me for an ultrasound, which leads to a biopsy, which they fucked up and had to redo again in February. While dealing with all this I begin looking for ways to bring in some extra income. DoorDash and other delivery options didn't feel doable or safe with 2 kids in tow. I decided to try sitting for Rover, which ended up being a fantastic idea since our own dog could use the extra company. It's still not enough though. All the things keep happening. Our cars both needing repairs - $1000s. Our dishwasher broke - $500. The baby has to go to physical therapy - $60 a week. Our older kid needs speech therapy - $65 a week. The list is endless. God there was so much shit that needed to be paid for when we didn't have the money to spend. Our savings are being eaten away.
Remember that volunteer opportunity I had helping a nonprofit with that software? Well, one day we were on a call with the managing director about a project we were doing for them, and she just happens to mention they're trying to hire someone for this admin role and really needed someone who understood the data side of things. There's no way they could afford what they truly needed. Long story short, I was signing the offer letter within a couple of weeks. It really is a lovely group of people to work with and they provide an AMAZING work/life balance. But the job pays less than half of what I made before, so we're not exactly comfortable yet. It's a small organization with barely any funds, but they still threw in a little extra on my salary AFTER I signed the offer letter. Genuinely good people trying to do their best. I started with the new year, and we got even luckier because one of the random daycares I had the boys on the waitlist for just happened to have space for them the same week I started my new job! "2024 is going to be an amazing year!" we kept saying. We were so pumped. It felt like 2023 was a cursed year and 2024 held all kinds of possibilities and excitement.
We're now on my husband's super shitty insurance, and the kids are getting sick. I try to avoid going to the doctor as much as I can, but they get ear infections so I couldn't just "let a fever run its course". Every visit eats away our savings even more. I start putting things on credit cards just to preserve some savings for a potential disaster. This continues and continues. I'm working my ass off trying to sell things, odd jobs, selling clothing at the flea market, taking whatever asshole dog we can babysit.
We finally get my results from my biopsy - cancer. Great. Now I have to get my thyroid removed, AND I have to take several weeks off from whatever I can do to bring in a meager extra income to recover. Not to mention, what's this going to cost?
And we arrive to the today day, where all of my credit cards are completely maxed out. We're no long able to afford the payments. We desperately need a new car. It's only a matter of time before this car craps out on it. I need a ton of dental work done (my teeth are on borrowed time). I've got a toothache, I absolutely need to get to the dentist, but there is no way to pay for this so I just have to cross my fingers and hope it goes away. I've got my surgery next week, and the hospital calls to explain what I need to pay. I have to pay at least half up front. If I didn't have 2 kids then I'd just put this off. But also if I didn't have 2 kids I'd probably be able to afford it.
I just spent all morning scrounging together every penny I could find to pay for this surgery. I'll have $40 in savings once I submit this payment. My stomach is in knots. I don't know what to do next. I think it's time to cash out my retirement. I feel incredibly sick to think about it. Do I take my kids out of daycare? They're in such a great learning and enriching environment that I can't provide while I'm working from home. My job will suffer trying to care for two kids too. We won't be thriving. Do I take my son out of speech therapy? It kills me to think of how this will cause delays in his learning. I want to give them the best chance at life. It's not like I'm trying to give them fancy things like montessori school, but I don't want them to be feral and ignored. I swear I've done and do the very best I can. It's not enough. How can I work so damn hard and it not be enough? What do I do now?! There's no safety net. There's no hero that can swoop in and fix it all. We don't qualify for any sort of assistance, government or other. We're just buried under a mountain of debt accumulated from being unemployed for almost a year and running out of savings. Do I start letting debt go to collections? The thought of doing that makes me sick too. I can't take a part time job. We have no family or anyone to help with the kids. My husband works long hours with a schedule that makes it impossible to work more than 1 day a week.
After cashing out my retirement, I think we have to sell this house. I haven't told my husband this part yet. He LOVES this house. I love this house. It's perfect for us and our family in every way. He comes from humble beginnings too, and I think he feels like owning this perfect house is a token of his success. He honestly deserves to feel that way because he has overcome so much, including getting sober, to accomplish what he has. And now my failure will cause us to lose it.
For anyone who read this, thanks for listening. I know it was long and rambling, but I don't have anyone to talk to about this. Even my husband doesn't quite grasp the gravity of our situation. I handle all of our finances because it's in my skillset and he hates dealing with it. I'm so alone.