Morphex's blogologue (Life, technology, music, politics, business, mental health and more)

This is the blog of Morten W. Petersen, aka. morphex in various places. I blog about my life, and what I find interesting and/or important. This is a personal blog without any editor or a lot of oversight so treat it as such. :)

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Dealing with DnB special engagement (Spesialengasjement) operations

So, because of illness my income has dwindled down the last couple of years, and I haven't quite kept pace with the downgoing income, I used some credit cards, and now have accrued a little bit of credit card debt.

Now I like to keep my commitments, so even though I don't have a lot of income today, I would like to maintain my debts. So I've asked the credit card issuer that I only pay the interest on this debt, until I'm into a better financial situation, but they have declined that offer, and want me to pay about double of that, each month.

This is even though I after deducting the rent for my flat, I have less money to spend than what the state limit for forced money collection is. So in other words, if I defaulted on the debt and let things just slide, I would ultimately have more money in my pocket than with this deal they're offering.

I asked for the name of the person who is responsible for what they're saying and offering, but they did not give a name, just said that the responsible department was special engagement (Spesialengasjement) operations.

Now this is a bit annoying by itself, but when I see that the state wants to collect double of the child support they used to, but don't have a right to, and I got a notice this week that my application to postpone the next student loan payments was rejected, it adds up. And next week I have a meeting with the state agency NAV, my doctor and so on about what happens next on my path to being back to work again. I can add that the student loan organization is also a state agency, and that they get information about my income and status from the other mentioned state agency, NAV.

Not to mention that I've started on medication for pains as well as exercises to train up my neck related to my accident last year, and the insurance company is declining to pay for these appointments with the chiropractor.

If you add all these up, it starts to suck as a lot of negative things are happening at once.

[Permalink] [By morphex] [Health (Atom feed)] [31 Aug 11:02 Europe/Oslo]