Okay, dudes. I have been without my meds for about five days now. The Target pharmacy cannot get ahold of my doctor to approve a refill... and since I am a county mental health patient, I can't contact him directly either! I am now so light-headed, I feel like I am walking without a floor underneath me!
Then,there is this issue... I opened up a checking account, and then, at the banker's suggestion, added a savings account, with "overdraft protection." I suck at math, so I always have trouble balancing a checking account, and my ADHD doesnt help with this! So my solution was to just always use my debit card instead of checks, and check my balance online each day to make sure I had enough money. Well, nobody told me that you can use your debit card on, say, Monday, and somehow it can end up not being withdrawn from your account until, say, Friday. So, when you see "Available Balance," it really means "Available until that $20 you spent at Target last week and forgot about finally shows up on your account. So... yep... I got overdrawn by twenty bucks. So the overdraft protection kicked in and took twenty bucks out of my savings account... except I didn't have twenty bucks in my savings account! And my savings account became overdrawn. Which I never knew was even possible. I mean, its not really protecting me from an overdraft if they take the money out of my savings account and then overdraft that, right?
I went to the bank and explained my mistake to the banker, who said she would wave the $25 overdraft fee. But then she said she couldn't do it, she had to email someone at the specific branch where I opened the account.
I waited several days. The overdraft was still there. I decided to call the branch where I opened the account, and tell them what the one bank manager had told me she'd do. They said they'd have someone call me back. Never happened!
Meanwhile, my saving account was becoming an additional eight bucks overdrawn each day because of the overdraft fees. So soon it was up to, like, eighty bucks!!!
I emailed the help line on the website and explained my problem. They said they'd waive half of my negatie balance, but not the other half, because it wasn't really a bank error.
That brought me down to forty bucks negative. But if I left it that way, I would keep on getting more eight dollar fees! So I had to transfer forty bucks out of my checking account to even it out. Leaving me with a grand total of three bucks in my checking account!
And this is the sad part... I was gonna make chocolate chip cookies with Pufferfish tomorrow, as part of Tot School because we are reading the If You Give A Mouse A Cookie books this week. But now I can't even afford the supplies for the cookies!
Maybe we'll read If You Give A Moose A Muffin tomorrow too. I think I can afford muffin mix!
Plus, even if my prescription does become available by tomorrow, I won't be able to get it until Saturday now.
And, Little Bear and Rafael have Friday off of school! So I will be completely unmedicated and on edge, with three little kids running me ragged all day!
This should be a fun couple of days! Wish me luck!
So unfair, especially after she told you she'd reverse the charges! Oh, well, enjoy the muffin-making!
Posted by: Tanya @ Teenautism | February 25, 2010 at 03:03 AM
That's so crappy!! I hope everything gets straightened out!
Posted by: Jamie | February 25, 2010 at 03:02 PM