Letter to decline a loan

Hi
I feel like i need to give a large amount of backstory here. I am not suicidal at this present moment however i have suffered from depression for over twenty years and the last nine years have been particularly hard. During this time though I have discovered multiple ways to pull myself out of this and they are the usual tricks; exercise, keeping brain stimulated good diet etc etc etc but what i am facing and what i believe my depression to be due to is getting horrendous and i am frequently having people making jokes about how i should kill myself and attempting to push me towards it.
Im being harrassed, abused and stalked on a daily basis, seemingly by police, military "intelligence", freemasons and various other branches of government. Not only have I had this confirmed by people in the military, but i've confronted main people involved in this and they've apologised and broken down or have given me what they know.
I've issued 9 complaints, split between my local police, my local council and the home secratary (who apparently would have had to have signed off on the types of harrassment and surveillance that they use) and had zero response. Not only do i get 0 responses, when speaking to three officers face to face (the police were called on me by an unknown person posting a video online about this) they told me there was no record of any of my complaints. I spoke to a organisation in my home town (nottingham) regarding this and they knew all to well of the types of harrassment that i was describing but told me that they are/were unable to assist with complaints regarding law enforcement etc and that i would have to hire a solicitor. i am broke. I am broke because near enough every job i've gone into since leaving the catering industry and a few before are seemingly filled with people who know exactly who i am and make a bee line for me straight off the bat, by manipulating the thoughts and opinions of people around me and doing nothing but try to hold me down and ridicule me.
It is crazy to start stating the amount of abuse and harrassment i face. Not only is the amount of abuse i face the issue, but the reason. It seems to be to do with a fire started in 1976 at st wilfrids church in wilford, nottingham (13 years before i was born) and seems to stretch all the way to the monarchy. If you think this sounds far fetched, the military, police and tax office all come under "his majesties(HM)" etc etc, meaning regardless us stating that we're controlled by government, the monarchy still runs said branches and the church... I was mutilated as a child (i knew this from about 12-14 years old and around three years ago one of the heads of the midwifry department in the hospital i was born in was arrested for having a part in over 1500 deaths and mutiliations) The types of abuse i face are vast; Car registration plates with messages from officers/undercover officers, the false conversations that are had around me constantly, the false people who get involved in my life merely to act as antagonists, i am hacked and surveilled constantly and i am let know that people watch my diary entries that i record onto my pc, at least my last two flats are repeatedly broken into, i am watched everywhere i go and seemingly inside my own flat... It seems as though every name i see on forums or content posts are a thinly veiled allegorical insult towards me...it used to be comments that were thinly veiled insults, however i would reply with some sort of allegorical insult so now it seems to be the names of posters on innocuous posts. This is the same as they used to insult me directly, however i've always been a pretty direct person so now they use allegory and groups of people because they seem to need to tell people i don't stand up for myself which i do the majority of the time, or things such as the reg plates with vehicles usually driven by the elderly or women with kids because if i confront these people it's going to make me look worse...I have actually confronted multiple people, and they give some rushed vague answer as to why they have an obvious insult towards me on their registration plate. I have also been let know twice, by people that work for the government that i have no proof and i'll be able to prove nothing. The last guy was an apparent councilor, who smiling extremely brightly said " it must be really frustrating that you have no proof". speculate all you want on my mental health but that is either a fucking wank councillor or this is another case of them attempting to wind me up. Oh and i was told by a psychiatrist that they were hoping i was going to see this as satirical...I was beaten unconscious while handcuffed one night by three riot vans full of police officers, who in the morning said it was because i matched the description of someone that was trying to break into a vehicle in a hotel car park close to where they arrested me. I don't drive and I was wearing a different coloured hoodie than the color of the hoodie they described in the morning and from what i remember, the police officer was sat on my back screaming "we know you've got something on you"...they mentioned nothing about any vehicle. I was then knocked unconscious and awoke in the morning. This is apparently what i'm supposed to find satirical. Said psychiatrist prescribed me mirtazerpine... split the letters up - mi - (r) tazer - pine...This is more of what they do because to me that equals "military intelligence tazer of the pineal gland" and it for sure made me feel brain dead and devoid of any energy therefore acting as a complete negative, so i stopped taking it after the first round. IT isa similar technique that they use with the naming of alot of drugs - co-caine...All of these organisations are based in religions and in the bible it was caine that killed able...caine killed ability...co...covert operative. weed, which we used to call theshit that grew in our gardens that strangled all the other plants... I believe that i am frequently drugged, set up to appear as shit that i'm not and the last few properties i've lived in have been repeatedly broken into. I actually fully believe that on at least three occasions they have broken into my flat/s to fuck with my cats - the reason being that i was warned that they had done this and over the next couple of days they near enough erupted in fleas and worms. They are house kittens and at the time they were around two months old. When i saw what i perceived to be a warning that they had fucked with my cats, it was another occasion where i thought, "if this comes true then this is another case of indisputable proof in my head".
I am aware, and have told people in the past that alot of this looks ridiculous. I am fully aware that people like this usually like to make their targets seem as untrustworthy/insane as possible, creating a vast amount of smoke and mirrors, such as telling me there doing this "to see how far they can push a decent man before he breaks" or that this is to do with a police officer who arrested me when i was seventeen; They arrested me for taking photos of two guys doing graffiti in an abandoned warehouse...in the interview, i told him he was talking to me like a twat and repeatedly insulted him...due to him being an overly aggressive twat that had arrested someone...for taking pictures....of two people spray painting a wall in a warehouse where we had had a party the week before, hosted by whoever the fuck. He told me they were charging me with burglary, criminal damage and breaking and entering...for taking...photos....in a warehouse that was utterly and completely trashed and had one of its ceilings caved in, was covered in graffiti and had the majority of its windows smashed in...did they think i was going to say "i'm ever so sorry". I'm not and i wont be doing, and he's still a petty piece of shit that should have been charged with wasting police time. They are also trying to make out its to do with this girl i went to school with whose father and mother are both in education and ive seen her dad leaving the freemason building which is about a five minute walk from where i live, covered in shit loads of medals and like, mr t esque chains....i was never into her...i dont think that since we left school, she would say she's been at all into me, but i dont know how it was from her side but ive had nothing but people we went to school with telling me that they think we're going to end up together, over and over and over a fucking gain. I know that she had created a fb page back back in the day, we're talking 2010 (when i discovered it) or possibly prior where she'd invited a bunch of people i know to keep tabs on me and tell her my whereabouts because i used to not respond to her messages. wtf. Oh also one of my mums best friends told me that she was trying to have me sectioned...her ex boyfriend was also sectioned. This would make alot moresense if we'd ever been together...we havent been. we hung out when we were kids and occasionally in our mid twenties. IT would be harsh to say she is nothing to me but like...i really didnt hang out with anyone from school once i left so i dont know how else to put it...There was also another website called "spicy ketchup" that was a tonne of photos of me in compromising positions (drunk etc) that was basically reeling off however much this person hated me and talking about how i couldn't "wax lyrical" and basically a tonne of insults that you could sling at any other human being. This is what i'm talking about when i'm saying that they are trying to make out it's multiple reasons but there are merely multiple reasons because they're trying to mask what it actually is. Oh and i forgot they've been trying to get me to join them for years, telling me on a ridiculous amount of occasions that i'm passing multiple tests oh and they've tried to get me to target my friends child. they told me that they stop killing me when i start killing, (killing not meaning literal murder but killing someones currently personality, which they seem to believe is a mere imprint of modern day society which conflicts with the "free" masons idea of what they think people should be...so essentially they want me to bully an eighteen year old...)i declined this bullshit offer of taking out my own torture and punching down and its obviously caused this to ramp up massively.
I could talk, for days if not weeks about everything that goes on because its about 20 shots each day. To be honest, what pisses them off them most seems to be that i keep doing what im doing and time and time again just ridicule them when they seem to think im done in. It's such a strange situation. On the one hand i faze alot of it out because i have alot of different interests, i keep myself active and i really dont give a shit about some fair weather friends/fed rat kids that wanted to do mummy and daddy proud. On the other hand i'm surrounded. at all times. stalked. harrassed. filmed. set up. physically assaulted. tortured. poisoned/drugged. Oh and more recently, since ive been complaining to the police over and over and over again and began posting youtube videos regarding what was going on, they now seem to be threatening me by telling me that they're going to fuck me if i take this to the media. I imagine that it going to be with false accusations. And why would i give a fuck? ive done nothing...therefore all they'll be able to do is slander me and why would i give a fuck about that.
There's tonnes, upon tonnes of shit ive missed out. Oh yeah this other guy i went to school with once askled me a question that i thought was strange..."would i rather have a hot woman take a dump on my chest but we were in love and together or...i forget the other question because that was the answer i chose. around twelve yearsafter this i came back from doing some travelling in europe and this couple near enoughscreamed at me "yeah well you chose for her to take a shit on your heart"...no somebody asked me a question that i thought was some sort of shit joke...no pun intended.
I am 34 and i can remember thinking something was not right when i was seven. I had a maths teacher when i was fourteen who held me back after class and told me that she had no idea what was going on but that i was intentionally being held back (i was put in the bottom group for nearly everything and my test results were constantly above average and apparently specifically for maths, based on these exams we had to do called CATS). right after this and i mean right after this, she was moved into a different class and was no longer our teacher. within a couple of months she was sacked. I have her name and i also queried all of this with my school, being one of many companies i submitted a sar (subject access request) to. They told me they had no records on me at all, much the same as the two security companies said. In my early teens, there was this guy who used to fuck with me, who i later found out was a cocaine dealer, who was the boyfriend of my mums friend. He's maybe forty-ish years older than me. He has much like the fed, shown up again and again in my life as someone seemingly fucking with me. i found out a few years ago his dad was a priest, which again, was just another "oh yeah well that makes sense" moment.
I am fully aware that i seem insane, but these people seem to be intent on deleting me from history and making it so that it even fucking looks like i dont exist. Again, this seems to be shit to do with some beef over a fucking church gazebo and for them most part, i want to know what the fuck to do. I have been speaking to mental health professionals for sixteen years and they never deem me to have any serious mental health issues, except for the guy that came with the police who wrote down that i had psychosis, which was not mentioned at all in the conversation and i believe along with the piss take medication he prescribed me and letting me know that i was going to find this funny, just thought he'd record that i was insane to further discredit me. I have mentioned this to multiple police officers and i'm on my tenth fucking complaint and i have a feeling theyre going to tell me that they have no information on me other than a couple of drunk and disorderly arrests pre nine years ago and the other two i mentioned and i have a feeling that intelligence will tell me that they can't give me any information.
Like...what do i do..? I'm an average person...i'm bright in some areas and dim in others...i'm happy sometimes i'm miserable others...im hardworking for half the time and im lazy other times...i'm creative-ish but im not a fucking slash...again no pun intended. icant see any reason that im being fucked with other than old men being stick in the mud, rapey pedo twats that are trying to keep some shit you learnatseven years old about code breaking, metaphor and simile "secret squirrel"...its not secret...it never has been, and if im as bang average or thick as you're making out i am then i probably shouldnt be deciphering everything...Again, wtf do i do about this?
p.s. ive rushed this. it doesnt seem like i have due to how long it is but this has been my whole fucking life full of being harrassed and bullied by these people.

18 M, I’ve always had a poor short term memory but I feel that over the last couple of years it’s been declining more and more and it’s affecting my day to day life.
For example, I can’t remember instructions correctly. If I’m told to do 3 sets of instructions I can only remember the last one given to me. This really hurt me at a uni interview I had where I was asked to solve a verbal maths problem and I felt like a complete idiot when all the instructions given to me got completely muddled in my head, so much so that I couldn’t complete it and I was sent a rejection letter… yet I knew the subject well and I should’ve been able to solve it.
I feel like I can no longer learn, even when I write notes, really try to listen it doesn’t retain. It’s not that I can’t focus, it just feels like my brain filters all the information out. I make mistakes repeatedly because I forget about how I solved it the previous time. It doesn’t matter if it’s verbal, or if I read the information it just doesn’t go in. When I read books I can’t tell you what it was about, my brain reads the individual words but can’t form the sentence in my head. I don’t remember what people look like and it causes embarrassing situations where I’m introducing myself to people I already know, repeatedly. When I try to solve maths problems, I’ll start working it out and then forget my thought process but keep writing because I know what to do but I almost don’t know why I’m doing it.
I was a high achieving child but over the past 5 years my memory has been making me feel like more and more of an idiot. I dropped out of college, I tried to get into uni… it was supposed to be my time to do something with my life but I messed that up to.
I do have ADHD which I know plays a role into this, but the degree of my forgetfulness feels extreme and I’m struggling so much with it. Anyone have any advice/insight?

I had End Stage Renal Disease in 1999 and had a kidney transplant in 2001. The anti-rejection medications took a toll on me physically and mentally. So much so that I had to quit work in 2017 due to the anxiety from the meds and being sick all the time. I filed for disability and was of course turned down. I appealed the decision and then went through a complete debacle of pushed back court dates, clerk of court errors, COVID, and judges missing court dates. In 2021, I had to go back on dialysis after my transplanted kidney had started to fail. Unfortunately, going on dialysis could not be included as part of my case because I wasn't on dialysis when I filed the initial claim. I finally had a telephone "hearing" in 2022 that was again declined, but later it was ruled that the judge mishandled the proceedings. I had an in-person hearing about 2 weeks ago and received my letter today stating that the judge had found me disabled with a fully favorable decision dating back to 2017. My questions are: Will I get retro-pay all the way back to 2017? Also, with all the health issues I've dealt with, I have a spotty work record and haven't earned that much. I have my credit hours so how much should I expect to receive each month. I read that the national average is around $1500 but I can't imagine that I'd get that amount. After what I've gone through anything is a blessing. Help is much appreciated.

Hi UKPersonalFinance,
Firstly I am posting from a throwaway account to avoid identification.
This is not regarding me personally, but my partner.
I have recently found out she is in a fair amount of debt and I’m just wondering how we should go about dealing with this if anyone has any advice?
As far as I’m aware she is roughly £12k in debt split across personal loans and credit cards.
She also has 12 unpaid ulez fines which are now mounting - to the point where the “oldest” fine has reached court/baliffs/ccj etc.
She also has 3 unpaid parking tickets from the local council dating back a few months.
For the £12k loan/credit card debt she is on a “debt management plan” which she is paying £500 a month towards.
The total balance for the below ulez fine is now £2400 roughly.
A bailiff contacted her a yesterday saying if he does not get £600 by today he will be taking it further - which I have had to pay for. She is now come to an agreement with the bailiff to pay £100 a month towards this debt - but there is still the 11 other ulez fines AND the parking tickets to pay for which is what I am looking for advice on.
The reason she never paid the fines when they were received is because the letters went to her (abusive) ex’s house which she fled and has only recently obtained along with her possessions with assistance from the police.
She earns £2000 a month (after tax)
And pays:
£566 rent (bills included) £250 car finance £200 car insurance £200 fuel £500 debt management plan £100 fine monthly payment £12 phone bill £50 food
With regards to the above, does anyone have any advice on how we can deal with the ulez fines? I cannot pay for it and neither can she.
Side note : she is starting university in September, which means she will have to drop down to part time work, although she is applying for student loan.
Any advice much appreciated. Thank you

Edit: To be clear, my dad took out a parent plus loan so I could attend school.
I understand I have no legal obligation to pay these Parent Plus Loans since they're in my dad's name, but I'm not gonna leave them high and dry like that and he's retired anyway.
The loan provider told me once that the bank account paying for the loan MUST match my dad's name and for that reason I cannot make payments on his behalf. But once a few years back, I got someone at the company on the phone and she helped me set my account up so I could make payments anyway. Not sure why the system let me do that, possibly because my name is only 2 letters off from my dads. The point being, I've been making minimum payments on the Parent Plus Loan for him. I don't claim any of it on taxes because I have another student loan that helps me hit the maximum deduction on that anyway.
Here's where the problem comes in. Over the last years, the amount I pay (in total) doesn't go over how much I'm allowed to gift someone before tax comes into account. However, I recently got a decent raise and I want to start overpaying on that loan so I can get it paid off. This will likely go over the "gift" allowance you can give before tax comes in. But does that count as a "gift" if I'm paying it on his behalf? Should someone be claiming this on their tax returns?
It just doesn't make sense to me. I can't find anything online about it because everything relating to student loans is a mishmash of data. I don't know who to ask for solid advice on this, and I just want to pay the damn loans the right way since I've got the money to do so.

Edit: To be clear, my dad took out a parent plus loan so I could attend school.
I understand I have no legal obligation to pay these Parent Plus Loans since they're in my dad's name, but I'm not gonna leave them high and dry like that and he's retired anyway.
The loan provider told me once that the bank account paying for the loan MUST match my dad's name and for that reason I cannot make payments on his behalf. But once a few years back, I got someone at the company on the phone and she helped me set my account up so I could make payments anyway. Not sure why the system let me do that, possibly because my name is only 2 letters off from my dads. The point being, I've been making minimum payments on the Parent Plus Loan for him. I don't claim any of it on taxes because I have another student loan that helps me hit the maximum deduction on that anyway.
Here's where the problem comes in. Over the last years, the amount I pay (in total) doesn't go over how much I'm allowed to gift someone before tax comes into account. However, I recently got a decent raise and I want to start overpaying on that loan so I can get it paid off. This will likely go over the "gift" allowance you can give before tax comes in. But does that count as a "gift" if I'm paying it on his behalf? Should someone be claiming this on their tax returns?
It just doesn't make sense to me. I can't find anything online about it because everything relating to student loans is a mishmash of data. I don't know who to ask for solid advice on this, and I just want to pay the damn loans the right way since I've got the money to do so.

I had DRO 27 months ago.
Story behind multiple credit cards, payday loans and parents syphoning my money. My uncle commited suicide in 2014 and since my parents did not work, I took care of my uncles fees.
That worsened my bipolar disorder and depression. My wages were not enough to cover all loans and from 2016 I was on stepchange payment plan. Although I was starving, beating myself up and pushing through, trying to pay the loans, eventually I opted for DRO. I wanted fresh start. I done it, started therapy last may and sort of, getting better.
Now me and my spouse (both working) about to move. We want to move due to my spouse getting a better paying job and our combined income going from £64k to £72k a year. With current landlord, weve been for almost 3 years.
Paid rent and all other payments on time. We got the reference letter which sounds lovely also.
Im just worried that my DRO can mess our possibilities of finding place, even though, I wont be named as named tenant.
Any advice?

I want to share this since I can't sleep and I keep on thinking what happened earlier.
A month ago, my girlfriend shared the graduation experience of her younger sister last year. Since she's currently living in a different country, she couldn't attend the program but she sponsored her young sister's MUA as a gift. I didn't know what happened after. Recently ko lang nalaman how mad and heartbroken my girlfriend was when she found out that her parents left her younger sister in the middle of the graduation program. They also didn't allow her to buy at least one graduation photo because they didn't have the money daw. So ayun, her younger sister hid sa classroom niya and cried. Her classmates tried to comfort and offered to buy the pictures for her, but she declined. She went home alone and heartbroken.
After matapos mag kwento ang girlfriend ko, nanggigil ako sa galit. My girlfriend loves her siblings so much and as the eldest child, she treats them like her own children. Anger aside, I was worried na same thing might happen to their youngest brother, since graduation na rin niya this week and I don't want them to experience the frustration again. So I immediately told my girlfriend na babawi kami this year.
My girlfriend is financially tight ngayon kaya I promised her na mag iipon ako for her siblings and I did. The moment I had the money, I didn't hesitate and got them their own gifts. I told my girlfriend na she could write them letters and I'll put it inside sa gifts nila so they can read it later.
Fast forward to the present day, I told my girlfriend na ibibigay ko lang directly yung gifts and the money na ipinadala niya for them, I also informed her sister na may ibibigay lang ako, but hours before kami magkikita, I messaged her sister to meet me sa may nearby cafe kasama si youngest brother because I wanted to treat them as part of my belated (for her sister) and advance (for youngest brother) graduation gift.
I was so nervous while waiting for them sa coffee shop. I've seen these children since they were in kindergarten, pero we never had the chance to formally talk and spend time together since my girlfriend left the country. Additionally, same-sex kami so I was worried na they might feel uncomfortable being with me. When they finally came, it was really awkward at first pero gradually nag warm up kami sa each other. I told them madali lang kami but we ended up spending the whole late afternoon to early evening together. Nag usap and nag open up kaming tatlo.
I sent my girlfriend a short message and a picture of them together. Hindi ko siya na replyan agad kasi I wanted to be present with her siblings. She left me multiple messages asking me anong nangyayari at bakit magkasama kami. I openly expressed to her na I was nervous makita sila, but she didn't know na yung extra nervousness ko ay dahil mag di-dinner kami together.
Before we parted ways sa mga siblinga niya, I told them to record their unboxing reaction and send it to my girlfriend kasi she misses them. I didn't tell my girlfriend about it para another surprise for her.
Umuwi ako na masaya and my girlfriend kept thanking me. She forwarded their unboxing video and my God! Ang saya nila when they opened their gifts. Halos maiyak ako and had to rewatch their video.
I wish I did this sooner at nakipag usap sa kanila. Mas nauna kasi ang fear at worry ko about our relationship. Natakot rin ako sa parents nila since they're super religious, but yung siblings ni girlfriend? they're the exact opposite. I felt welcomed. My girlfriend is right, she raised them well. For sure I'll invite them next time and give them support they need since their ate is physically far at the moment.
P.S. Their parents tried to read my girlfriend's letters pero her siblings firmly rejected them and hid it. I'm so proud of these kids. They're growing up too fast.

Does anyone have experience settling a personal loan with Sofi. If so, can you explain the process.
I recently received a settlement offer via mail with the option to pay a lump sum or 3 equal payments. I’m considering the offer but Sofi does not want to acknowledge my acceptance of the terms outlined in the letter without making the payment first. They requested that I make the payment first then they would send out a confirmation 10 days later. Is this normal? I am bit skeptical and I would rather receive something in writing that I accepted the terms before submitting the payment, however, they will not budge. They said that plenty of people ask for that but they don’t provide confirmation until the payment is made.

Someone posted this in another Reddit thread. This article is from Marketwatch.com. This refers to Wegovy and Ozempic but I'm sure it refers to tirzepatide as well. Essentially US patients subsidize the research and the low prices in other countries.
"Novo Nordisk has blamed middlemen in the U.S. healthcare system for the high prices of its top-selling weight-loss drugs Wegovy and Ozempic, following the launch of an investigation into the drugs led by U.S. Senator Bernie Sanders.
In a letter to the Senator for Vermont, the Danish pharmaceutical giant said it only retains 60% of the list price on both drugs, with the rest paid out to middlemen.
Novo Nordisk’s letter follows the launch of an investigation into the high list prices on the two drugs, by the U.S. Senate Health, Education, Labor, and Pensions (HELP) committee, of which Sanders is chair.
In a letter to Sanders on Friday, Novo Nordisk NOVO.B, -0.43%, which is now Europe’s most valuable company, pointed to middlemen in the complex U.S. healthcare system but said it expects the net price of both Wegovy and Ozempic to fall under current market conditions.
The Danish giant also said it would be willing to work with U.S. lawmakers to tackle “systemic issues” in America’s healthcare system in order to increase access to its medicines.
In a letter in April announcing the launch of the HELP committee’s investigation into Novo Nordisk, Sanders previously called on the company to provide a detailed breakdown of the costs it has incurred in the process of developing and producing its weight-loss drugs.
The senator’s April letter notes that while Novo Nordisk charges $1,349 a month for Wegovy in the U.S., the drug costs just $140 a month in Germany and $92 a month in the U.K.
Novo Nordisk’s Ozempic costs $969 a month in the U.S. compared to just $155 a month in Canada and $59 a month in Germany, the April letter says.
Sanders’ letter also pointed to research from Yale University showing GLP-1 drugs could be made for as little as $5 a month.
In response, Novo Nordisk said the prices quoted in the study fail to account for the billions the company spent in research and development costs, as the Danish giant said it spent $10 billion developing its GLP-1 drugs.
Ozempic is expected to generate $18 billion in revenue for Novo Nordisk this year while Wegovy is expected to make another $9 billion for the company, with a large slice of those sales expected to be made in the U.S. where 70 million adults are obese.
Earlier this month, the Senate’s HELP committee published a report stating Novo Nordisk’s “outrageously” high prices threaten to “bankrupt American health care” and lead to a “massive spike in prescription drug spending” that would push up insurance premiums nationwide.
The report said it would cost $411 billion a year to give Wegovy to just half of all Americans with obesity – compared to the $406 billion a year Americans currently spend on all other prescription drugs.
In May, Sanders also wrote an op-ed for Danish newspaper Politiken alleging that Novo Nordisk had failed to live up to its moral ideals, by charging such high prices for its GLP-1 agonists.
Novo Nordisk confirmed it had sent a letter to Sanders but declined to comment. Sanders’ office was approached by MarketWatch for comment.
Novo Nordisk has seen its valuation explode due to the success of its GLP-1 agonist weight loss drugs, in a meteoric rise that has transformed it into Europe’s most valuable company. "

Someone posted this in another Reddit thread. This article is from Marketwatch.com. This refers to Wegovy and Ozempic but I'm sure it refers to tirzepatide as well. Essentially US patients subsidize the research and the low prices in other countries.
"Novo Nordisk has blamed middlemen in the U.S. healthcare system for the high prices of its top-selling weight-loss drugs Wegovy and Ozempic, following the launch of an investigation into the drugs led by U.S. Senator Bernie Sanders.
In a letter to the Senator for Vermont, the Danish pharmaceutical giant said it only retains 60% of the list price on both drugs, with the rest paid out to middlemen.
Novo Nordisk’s letter follows the launch of an investigation into the high list prices on the two drugs, by the U.S. Senate Health, Education, Labor, and Pensions (HELP) committee, of which Sanders is chair.
In a letter to Sanders on Friday, Novo Nordisk NOVO.B, -0.43%, which is now Europe’s most valuable company, pointed to middlemen in the complex U.S. healthcare system but said it expects the net price of both Wegovy and Ozempic to fall under current market conditions.
The Danish giant also said it would be willing to work with U.S. lawmakers to tackle “systemic issues” in America’s healthcare system in order to increase access to its medicines.
In a letter in April announcing the launch of the HELP committee’s investigation into Novo Nordisk, Sanders previously called on the company to provide a detailed breakdown of the costs it has incurred in the process of developing and producing its weight-loss drugs.
The senator’s April letter notes that while Novo Nordisk charges $1,349 a month for Wegovy in the U.S., the drug costs just $140 a month in Germany and $92 a month in the U.K.
Novo Nordisk’s Ozempic costs $969 a month in the U.S. compared to just $155 a month in Canada and $59 a month in Germany, the April letter says.
Sanders’ letter also pointed to research from Yale University showing GLP-1 drugs could be made for as little as $5 a month.
In response, Novo Nordisk said the prices quoted in the study fail to account for the billions the company spent in research and development costs, as the Danish giant said it spent $10 billion developing its GLP-1 drugs.
Ozempic is expected to generate $18 billion in revenue for Novo Nordisk this year while Wegovy is expected to make another $9 billion for the company, with a large slice of those sales expected to be made in the U.S. where 70 million adults are obese.
Earlier this month, the Senate’s HELP committee published a report stating Novo Nordisk’s “outrageously” high prices threaten to “bankrupt American health care” and lead to a “massive spike in prescription drug spending” that would push up insurance premiums nationwide.
The report said it would cost $411 billion a year to give Wegovy to just half of all Americans with obesity – compared to the $406 billion a year Americans currently spend on all other prescription drugs.
In May, Sanders also wrote an op-ed for Danish newspaper Politiken alleging that Novo Nordisk had failed to live up to its moral ideals, by charging such high prices for its GLP-1 agonists.
Novo Nordisk confirmed it had sent a letter to Sanders but declined to comment. Sanders’ office was approached by MarketWatch for comment.
Novo Nordisk has seen its valuation explode due to the success of its GLP-1 agonist weight loss drugs, in a meteoric rise that has transformed it into Europe’s most valuable company. "

The impact of falling mortgage rates on the economy can be substantial and multifaceted. Here are several key ways in which declining mortgage rates can influence the economy in the coming year:
Housing Market Stimulus: One of the most immediate effects of falling mortgage rates is increased affordability for homebuyers. Lower rates translate into lower monthly mortgage payments, which can stimulate demand for housing. This can result in increased home sales, higher property values, and more residential construction activity.
Refinancing Activity: Lower mortgage rates often lead to a surge in refinancing activity. Homeowners can refinance their existing mortgages to take advantage of reduced interest rates. This can free up disposable income, which can be spent on other goods and services, thus contributing to economic growth.
Consumer Spending: As homeowners pay less for their mortgages due to falling rates, they may have more discretionary income to spend on other consumer goods. This increased consumer spending can have a positive impact on various sectors of the economy, from retail to leisure and entertainment.
Investment in Real Estate: Real estate investment, including commercial properties and rental housing, can become more attractive with lower borrowing costs. This can encourage investment in real estate ventures, further boosting economic activity.
Stock Market Performance: Lower mortgage rates may lead investors to seek higher returns in the stock market as the returns on fixed-income investments decrease. This can contribute to stock market growth, which, in turn, can have a wealth effect, positively impacting consumer confidence and spending.
Banking Sector Dynamics: Banks and financial institutions may see reduced interest income from loans as mortgage rates fall. However, they may benefit from increased loan origination and refinancing activity, potentially offsetting some of the interest income losses.
Monetary Policy Implications: Central banks may respond to economic stimulus from falling mortgage rates with adjustments to monetary policy. They might consider raising interest rates to counter inflationary pressures if the economy overheats due to rapid growth.
StockGro's virtual trading platform for equity offers users the opportunity to learn and practice trading strategies, including those related to sectors impacted by falling mortgage rates. By simulating investment decisions and monitoring market reactions within the platform, users can gain valuable insights into how various economic factors, such as interest rates, can influence equity markets.
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Exactly what the title says. Someone left a link to ResistBot on a post I saw a little while ago, and I just typed up a letter for it.
The instructions it gave me were:

SIGN PXFNPD to 50409

Or to share this link: https://resist.bot/petitions/PXFNPD
Here's the full text of what I wrote, both so you can read it before texting or clicking anything, and so that you can alter it yourself and send it to your representatives if you want the general gist of my message, but want to change specific wording.
As depressing as it is to say, 2024 is a crossroads of destiny.
The fate of the noble experiment that is the United States hinges on this year's election. I ask the men and women of Congress to think of themselves as the Sentinels of Democracy, and not just representatives of their constituents.
If your constituents would have you set the Constitution alight, would you do that for them? If they genuinely tell you to bind them in chains, would you not decline because you know they're asking you to act against their own best interests?
Democrat or Republican means nothing. We must all be American, united in the purpose of keeping this country from collapsing in on itself. We must not be beholden to party, or wealth, or religion. Those differences are what make America what it is. A place where people with differing beliefs can coexist, and work together through measured debate and compromise.
You Congresspeople, with your sacred duty, sitting in the hallowed halls of the Capitol, are the first and last line of defense. Use your power and your platform to preach to your fellow Americans. Do not just parrot the things they say, or tell them what they want to hear. You can tell them that polarization and alienation is not the course we ought to take as a nation. You can act with decency and decorum to restore the trust in government that has been so damaged, rather than continuing to fuel it.
Some of you claim that America is great. That it always has been. That it is God's chosen nation. I ask you to consider that it isn't, but that it can be. That you can play a part in making it so.
If your names will one day be recorded in the annals of history, I hope you will do what is right. That you will do what it takes to be remembered as they who safeguarded American democracy, rather than they who destroyed it.
If you want to disagree or bicker, so be it. Those disagreements are essential. But please be humble. Accept that you can be wrong. That you might be. That your opponents might speak true, and that you can learn from them. Absolute consensus isn't possible, but if you're going to continue to be at odds, please let it be after a rare moment of unity. One where you can save the very nation that allows you to engage in such discourse.
There is yet time for you all to act, and I plead that you do.
An alarming number of people of this nation are asking you to take the torch to the Constitution. More Americans than should be tolerable would put themselves and their fellows into bondage this Fall. Please don't sit back and allow that to happen, simply doing their bidding. Do not roll over and act against their best interests simply because they do not understand and are asking you to.
Do what is right, and the American people will be eternally grateful, even if the Enemy has convinced them you have done wrong.
History will remember you fondly.
Be responsible. Be mature. Be righteous. Be godly. Be humble. Be American.

Hey Reddit, I am a mom to two kids, male 18 and female 13, and I need some serious advice. I am sure some will think that I am a horrible person and deserve what has happened, but I don’t think I deserve everything that has happened.

Back story:
I was married for 16 years and decided to divorce in 2017. We had a decent marriage, but ultimately couldn’t get along in the end, so we divorced. At the time, our son was 10 and our daughter was 5. We decided to do joint custody. Every other week. I was a SAHM the last four years of our marriage, but didn’t ask for child support or alimony. I believed him when he told me that he would help whenever I need it. I also got the house (trailer) in the divorce, but the land was in his parent’s name. (Remember that for later) The first year after our divorce was ok, in the sense that we didn’t fight and co-parented decently and he gave me $200 a month to help. Then he met his now wife. Within the first 2 months, he had her moved in and told me he could no longer help me with money. I lived next to his parents and they would put the kids on the bus and get them off of the bus, but after he met his now wife, I could no longer lean on his parents for help. I didn’t fight it, just said ok and had my dad, who lived 15 mins away, come and get my kids off the bus and rearranged it with my job so I could put them on the bus. But the major blow was about 6 months later, I got an eviction notice from my ex sister-in-law. She handed me a letter saying that I had 4 months to move my trailer off the land or they would take it from me. I was already planning on moving, but had only been working for a year and had NO credit. I couldn’t even get a loan for $5 if I wanted to, so moving it to a trailer park was not an option. So I had to sell it, for $13k. Yup, I sold my home for less than a used car. Also, I was working from home. Had the best internet possible, just so I could work from home. Well, with having to move back in with my parents, I lost my job because they couldn’t get the right speed of internet to support my job. So that $13k went fast, paying my bills while I didn’t have a job. The job market was not that great and I didn’t have a job for about 6 months. My dad and stepmom had us living in one room. Three people in one room, with very little privacy. Also, my step-mom is pretty toxic, so I was stressed to the max. I went from 150 to 95 pounds. I didn’t make a lot of money and most of it went to either bills or food for the kids. I finally found a job that paid $12 an hour, but I worked 60-70 hours a week, walking 12-15 miles a day (try to gain weight while walking that many miles a day) But at least I was working.

Current issues:
After about 2 years, while at my dad’s, my son decided to go no contact with me. About a year before this decision, he started getting really disrespectful. I am 5 6’ and at the time, he was 13 and 5 8’. (he is now 18 and 6 4’) He would get in my face and square up. I tried to calm the situation down, but it got so bad that my brother said that if I didn’t do something about his disrespect, he would. It wasn’t long after that conversation that I got a call from him while he was with his dad, stating he wants nothing to do with me. He didn’t have a cell phone at the time, so the only way I could contact him was through his dad. I was devastated. I fell deeper into depression. I went to a few lawyers, because we still have joint, but given the fact that I didn’t have anywhere to live and made very little money, suffering with depression and was smoking pot (very illegal here) I didn’t have a chance. I tried to reach out to his dad, several times, and his dad would ignore me. Now, my son has told everyone that will listen that I am a junkie. Not a pot head, a junkie. But my ex still let our daughter come over. Please explain to me that if their dad really thought I was on drugs, then why did our daughter still come over? Isn’t it dangerous to have a child around a drug addict?

Well, I got my life in order. I continue to work the 60-70 hour job and I met my now husband. When we got together, his life was a mess too. We got an apartment with each other after 9 months of dating. We lived there for 2 years and moved into our 4 bedroom/2 bathroom home almost a year ago. We got married back in April and we are extremely happy with each other. I also found a job that allows me to work 40 hours a week and take off work whenever I need to. My daughter and I had a good relationship. She missed her brother when she was with me, but I tried my best to make her life as normal as possible. She is 13 and didn’t have any chores; didn’t have to put up her clothes; didn’t clean her room; I always bought whatever she wanted. Spent close to $75 a week, just in food for her lunch. Yes, a lot of her clothes came from Shein or Target, but I would let her pick whatever she wanted. For Christmas, I told her to make a wish list on Temu. She had about 70 things picked out and I bought them all. (that’s not all she got for Christmas) I bought her a pair of shoes that she picked out on Amazon. Roughly $50. Within 2 months, she didn’t like them so I bought her a pair of Nike Blazers. I didn’t mind spending money on her. She is my daughter and she also is a straight A student and doesn’t get in trouble at school. She would call me from school because she left something and I would leave work, drive the hour just so she could have her notebook. Took her to the Taylor Swift movie when I am a metal head and actually had fun with her. Showed interest in her hobbies and supported her art. I was never intentionally mean. I tried to dote on her. But about 6 months ago, she started getting the same kind of attitude my son had with me. The disrespect was horrible. She never squared up with me, but was very combative when I asked her to do a simple task, like clean her room. Well, two months ago, a week before my wedding, she did the same thing my son did. She decided to live with her dad. I spoke to her twice and she said she would spend a Sunday with me. That Sunday came around and she had a panic attack, thinking I was going to scream and yell and ended up not going with me. That was NOT my plan. I had actually talked to my husband and therapist about taking her to go eat and then shopping. I wasn't going to have any deep conversations with her until after a few times of seeing each other. I wanted to prove that she is overreacting and making up worse scenarios in her head. But she cut the call and I've been blocked since.

I don’t know what to do in the situation. I want to go to a lawyer. I want to prove that I am not a monster. I want to prove I am not on hard drugs. I want to shove every lie my ex and his wife has said about me down their throats. They have ruined my reputation. I admit I was depressed and cried and trauma dumped on my son. I did that and woman enough to admit it, but I was never on hardcore drugs. I was never physically abusive. I tried to have an open line of communication with both kids. And yet, I was deemed a monster. My kids said extremely hateful and hurtful things to me. After I talked with my daughter, I sent a text to my ex and now I have been blocked. I can’t get a hold of him. My question is this, do I fight this? If I fight this, then my daughter is going to resent me and make my life even harder than it was. But will she resent me if I don’t fight? I regret not fighting for my son, but also know that our relationship was on the rocks. This will be a long and drug out process. There would be no real winner in the end. I could clear up the lies, but my daughter would hate me even more. My son defiantly does hate me. Oh, he is 18 years old and just graduated. I went to his graduation, stayed in the shadows and cried like a baby the whole time. Please, any advice would be nice. And please, be respectful. I am already heartbroken enough as it is.

Add to edit:
If some are wondering, my daughter’s relationship with my current husband is not bad, but they don’t really have one. They are polite to each other; hello, goodbye, have a good week, but that is it. They never bonded but they weren’t mean to each other either.

We are selling our home in TX due to an unexpected layoff/job relocation. We took out an unsecured home improvement loan for a pool approximately 2 years ago and are current on all payments. We will not have enough from the proceeds of the sale to pay off the entire improvement loan and of course plan to continue to pay towards the loan. Title insurance is now saying they will not underwrite the title policy until the loan is paid in full. The bank has provided them all the original loan docs and a letter confirming this is an unsecured loan and that the property is not collateral for the loan. Title insurance will not accept this and has told us to pay the loan now in full or they will not allow us to close.
Has anyone else ever experienced this? This just doesn’t seem right. Our realtor says she has escalated the issue to her broker but it still sounds like title is not letting up on this and is now doubling down stating if we don’t pay off the loan we have to have the bank use our current home as collateral on the loan… it just seems like insanity to us and negates the whole point of an unsecured loan. Would love to know if anyone else has had this issue and how did you navigate it? Thanks!

My fiance was preapproved for a VA loan and the bank accepted our offer. We provided the lender with over 2 years of work history, 2 years of W2s and tax returns, and an employment verification letter from the hall since he is off during the summer(slow season). the lender is now saying this is not enough and he needs to be working at the time of closing/settlement. Everything I am reading online is saying we have provided all the necessary documents, am I wrong?

So, I need some advice. I'm a freelance audio engineer and I have an LLC for my business. AP26 Productions is the name and I currently do not a 1-800 number nor a website since I get my most of my business from my former employer and word of mouth. I'm rebuilding my personal credit but I was still able to get a business credit card and a micro business loan from Quickbooks after being in business a couple of years. I haven't checked yet to see what score my business has since I'm still paying off my loan. I'll be done with it at the end of June.
Basically, I have been trying to get funding to expand/restructure my business. Last time I applied for a loan was in January and I got denied. My yearly revenue has been around 110k since 2022. I have been wanting to buy this "coffee robot" machine to help make extra revenue. I've seen these machines at a couple of different venues I've worked at and they seem like a pretty cool money maker. They cost about 85k.
I've tried getting an SBA loan, micro loans, lines of credit and I keep getting denied. My personal credit history is mostly the reason I keep getting denied according to the letters that the lenders send me. After researching how I can apply for loans/credit by using only my EIN, I came across folks saying that I need a 1-800 #, a website, a smart business name, and a certain type of NAICS code to make my business look more legit when applying. So, if that's the case, should I rename my LLC and do all of the above? A "smart" business name according to those folks include words like: Holdings, Technologies, Management, Services, Global, Solutions. NAICS codes would also include Management and Technologies because they're "low risk".
Since I will be purchasing equipment that's not related to my business, I'm not sure if I should start a new LLC or rename my current LLC. Or if any of that is necessary. To help my odds getting approved.
I'm working on paying off my personal credit cards, should be paid off by July/August. That's around the time that I'd like to apply again for loans/LoCs. Do you have any recommendations or anything that could help me get approved the next time I apply? I appreciate it!

I am in deep trouble, because of a mess that a startup made. So, if you are in startup, make brutally sure to get all these details :-

1. Offer letter from an official mail to your personal mail. Keep a copy of the mail, and a video of the mail and the document.
2. Any increment letter. Again, Keep a copy of the mail, and a video of the mail and the document.
3. Make sure that if your company has PF, it is credited to your account periodically. Login to EPF Portal and check the EPF passbook every 2 months.
4. Get Salary slips as much as you can. If your company does not provide payslips, try asking for slips, stating that you may apply for Loan.
5. Keep ready the bank statement for the ENTIRE DURATION OF THE STAY in the company. If you dont intent to keep the bank account active, make sure that you get an attested copy of the statement, for the duration of the employment (irrespective of the number of years of employment).
6. When resigning, send the resignation mail to your personal mail, WITHOUT fail. If sending mails to your personal mail is not permitted, then you can take a screenshot/photo of the email. Do this, irrespective of your resignation was accepted or not.
7. When getting your relieving letter and/or experience certificate, make sure that those copies are sent to your personal mail from an official mail id from the company. If nothing, make a video of the mail, and while making a video, open the documents such that the contents are available in the video itself.
8. If the important documents like Relieving letter and Experience certificate were sent to you via Unofficial channel like Whatsapp or Skype, then make sure to record the entire conversation, and show the Date, Time, the photo of the official, and the mobile numbeemail id/both associated with the person.
9. If you still have doubt, copy the contents of the document and send an email to the company's official mail (manageHR) and ask them to give confirmation of the same. If nothing, have this copy of the mail.
10. If you have received an award from the company, make sure to keep proof of the same. If any cash price was involved, make sure that you get the payslip or bank statement or both.
11. Most importantly, make sure to keep all these documents in safe places forever, till you die. Keep them in multiple Cloud storage devices.

If you have more points, add them in comments section.

Got this article from Marketwatch.com. Makes me sick how much money is made off of us. This refers to Wegovy and Ozempic but I'm sure it refers to tirzepatide as well.
"Novo Nordisk has blamed middlemen in the U.S. healthcare system for the high prices of its top-selling weight-loss drugs Wegovy and Ozempic, following the launch of an investigation into the drugs led by U.S. Senator Bernie Sanders.
In a letter to the Senator for Vermont, the Danish pharmaceutical giant said it only retains 60% of the list price on both drugs, with the rest paid out to middlemen.
Novo Nordisk’s letter follows the launch of an investigation into the high list prices on the two drugs, by the U.S. Senate Health, Education, Labor, and Pensions (HELP) committee, of which Sanders is chair.
In a letter to Sanders on Friday, Novo Nordisk NOVO.B, -0.43%, which is now Europe’s most valuable company, pointed to middlemen in the complex U.S. healthcare system but said it expects the net price of both Wegovy and Ozempic to fall under current market conditions.
The Danish giant also said it would be willing to work with U.S. lawmakers to tackle “systemic issues” in America’s healthcare system in order to increase access to its medicines.
In a letter in April announcing the launch of the HELP committee’s investigation into Novo Nordisk, Sanders previously called on the company to provide a detailed breakdown of the costs it has incurred in the process of developing and producing its weight-loss drugs.
The senator’s April letter notes that while Novo Nordisk charges $1,349 a month for Wegovy in the U.S., the drug costs just $140 a month in Germany and $92 a month in the U.K.
Novo Nordisk’s Ozempic costs $969 a month in the U.S. compared to just $155 a month in Canada and $59 a month in Germany, the April letter says.
Sanders’ letter also pointed to research from Yale University showing GLP-1 drugs could be made for as little as $5 a month.
In response, Novo Nordisk said the prices quoted in the study fail to account for the billions the company spent in research and development costs, as the Danish giant said it spent $10 billion developing its GLP-1 drugs.
Ozempic is expected to generate $18 billion in revenue for Novo Nordisk this year while Wegovy is expected to make another $9 billion for the company, with a large slice of those sales expected to be made in the U.S. where 70 million adults are obese.
Earlier this month, the Senate’s HELP committee published a report stating Novo Nordisk’s “outrageously” high prices threaten to “bankrupt American health care” and lead to a “massive spike in prescription drug spending” that would push up insurance premiums nationwide.
The report said it would cost $411 billion a year to give Wegovy to just half of all Americans with obesity – compared to the $406 billion a year Americans currently spend on all other prescription drugs.
In May, Sanders also wrote an op-ed for Danish newspaper Politiken alleging that Novo Nordisk had failed to live up to its moral ideals, by charging such high prices for its GLP-1 agonists.
Novo Nordisk confirmed it had sent a letter to Sanders but declined to comment. Sanders’ office was approached by MarketWatch for comment.
Novo Nordisk has seen its valuation explode due to the success of its GLP-1 agonist weight loss drugs, in a meteoric rise that has transformed it into Europe’s most valuable company. "

So, I need some advice. I'm a freelance audio engineer and I have an LLC for my business. AP26 Productions is the name and I currently do not a 1-800 number nor a website since I get my most of my business from my former employer and word of mouth. I'm rebuilding my personal credit but I was still able to get a business credit card and a micro business loan from Quickbooks after being in business a couple of years. I haven't checked yet to see what score my business has since I'm still paying off my loan. I'll be done with it at the end of June.
Basically, I have been trying to get funding to expand/restructure my business. Last time I applied for a loan was in January and I got denied. My yearly revenue has been around 110k since 2022. I have been wanting to buy this "coffee robot" machine to help make extra revenue. I've seen these machines at a couple of different venues I've worked at and they seem like a pretty cool money maker. They cost about 85k.
I've tried getting an SBA loan, micro loans, lines of credit and I keep getting denied. My personal credit history is mostly the reason I keep getting denied according to the letters that the lenders send me. After researching how I can apply for loans/credit by using only my EIN, I came across folks saying that I need a 1-800 #, a website, a smart business name, and a certain type of NAICS code to make my business look more legit when applying. So, if that's the case, should I rename my LLC and do all of the above? A "smart" business name according to those folks include words like: Holdings, Technologies, Management, Services, Global, Solutions. NAICS codes would also include Management and Technologies because they're "low risk".
Since I will be purchasing equipment that's not related to my business, I'm not sure if I should start a new LLC or rename my current LLC. Or if any of that is necessary. To help my odds getting approved.
I'm working on paying off my personal credit cards, should be paid off by July/August. That's around the time that I'd like to apply again for loans/LoCs. Do you have any recommendations or anything that could help me get approved the next time I apply? I appreciate it!

I am currently interviewing for a roommate. I live in NYC and looking at 3k-4k a month for 2-3 bedrooms. I wanted to secure a perspective roommate(s) first since housing is being snapped up within hours of a viewing. I also want to start the relationship on a good note for allowing their needs in housing to be taken into consideration- neighborhoods, train stops, elevator vs stairs and such.
I recently interviewed with several individuals and one was a very good fit ( friend of a friend). This individual had another perspective roommate in mind and wanted us to meet. Let’s call her Jane. So we met for tea and went through the usual about me’s, interests, needs and habits, and what amenities they were looking for. We also talked financials. With my previous interviews I requested financials they were ok sharing to confirm they were employed and had some move in costs saved up. However, Jane was upfront before we met she was not okay with this and would rather talk numbers.
I was understanding and willing for just this meeting to talk instead. When we got to financials we talked -what her monthly budget is for housing/utilities, how much deposit/ move in costs saved and plans for emergency funds. After that the first secured roommate hyped her up for a few weeks and I thought okay let’s all three of us get together, get our paperwork together and start planning time for apartment walkthroughs.
So we get together and talk through next steps. We all bring out our w2s, credit docs, letters from past landlords and we were like 15 minutes in talking when Jane asked me to clarify my budget. Which I did and her faced scrunched up and said well you can pay more. Am I am like what no this is the budget. So she starts using the calculator on the phone and says this is my take home pay monthly you can pay more. I felt this was rude and the friend of the friend also looked concerned.
So I explained I had a loan that ate up over a third of my income. During the pandemic I experienced trouble paying bills -medical and dental expenses and deaths in my family. I ran up over 50k in credit card debt. I took a 401k loan to pay the largest cards cutting my debt down which took a third of my monthly pay-this loan actually gets paid off this summer. Jane was still not happy and said that she should not have to “subsidize other peoples lives” and that I have the money. We talked in circles for a bit and then she got up and left.
The other roommate is still moving forward with me and was just as bewildered but said on paper it looks like I make more than them and that it is a legitimate question to ask. She also thought it looked like I was hiding something. At no point did we talk about how everyone is spending their money -only what they can spend on rent/utilites.
If it’s my fault I will own it but I can not understand her thought process. I have a few more interviews coming up and I want to ensure I am being fair and upfront.

The story
Back in 2015, I took out a $10k loan using loandepot . com. The bank they used was Cross River Bank. I was unable to payback the loan for a number a years and it was moved into collections. In January of 2020, Stenger & Stenger sent me a letter indicating they are collecting on the debt. The debt was sold to CACH, LLC who commissioned Stenger & Stenger. So since February of 2020, I've been paying $200 a month on the debt.
2 months ago, I get a letter in the mail from a service called Resurgent Capital Services. After opening the letter, I find that its a debt collector and they are attempting to collect a debt of $10,168.32. The original creditor is General Electric Capital Corporation and the debt was bought out by LVNV Funding LLC.
The issue is, since 2015, I have never taken out any loans other than that one through loan depot. I have never dealt with General Electric Capital Corporation. I did not take out a second $10k loan. Otherwise my debt would be up to $20k. My credit up until 2022 has been in the low to mid 500s across the 3 credit reports. I have a subscription with Experian and looked through all my debts and collections and this one from GE is not listed anywhere on my report and my credit scores are 674 experian, 693 equifax and 700 transunion right now.
I just called Stenger and Stenger today and have been informed that my $10k loan in collections with them is fulfilled and they will be sending me a letter in the mail verifying that.
I want to dispute the so called $10.1k loan from GE but I don't have any proof to provide them that the loan is not mine, should they ask for proof.
Only thing I can recall that may have something to do with this and its a strong maybe was that back in 2006 or 2007, I had refinanced my home that I got through inheritance and was unable to pay the mortage due to losing my job and ended up forclosing on my home in early 2008, I think but that was 16/17 years ago and as I said earlier, this amount and the original creditor is not on my credit report and I checked all the way back to 2017 which is the farthest I can go and I don't remember ever dealing with GE about loans.
So, I'm looking to see what my options are.