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Really Struggling with life

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I am in a real bad spot at the moment, feeling really low, things have been bad for some time. I have been fighting a problem with one of my pension schemes, which has affected me very deeply. I discovered last year, my pension was invested in the incorrect funds, the provider claims I phoned them to instruct them to move the funds, but I never gave them the instructions. I have followed it up it financial ombudsman, and they are siding with the pension scheme. Just feel like they have led me down and alley way and mugged me, and are going to get away with it legally.

Its not just this pension thing, there is are a large number of problems, that take enormous effort and time to try and deal with. Problems with house and landlord, problems with finances where everyone you speak too seems to think you have some spare funds magically appear. I am single, not on a low salary, but that is just not enough to support demands and cost for housing, running a car, food, council tax, etc.

I collected many things for years, put a huge effort in to storing them carefully. Over a year ago now, I found a couple of things that have got damaged from damp conditions. Was a massive setup, years of collecting, and care. I tried to sort through them to find out extent of the damage, and sell what was fine, but just got to the point I could'nt handle all the grief to see stuff I had collected get ruined. This is not storing stuff in a loft or garage, I stored in a spare bedroom carefully and placed in strong boxes.

I have been off work for past couple of weeks with stress. I have spoken to my gp, to get some further help for my mental health, but it is like hitting my head against a brick wall. No body seems to listen, and being an older single male, society just seems to totally dismiss my existence, except for when someone wants me to pay for something.

Tonight discovered an event I would like to go to, has sold out, its only a little thing, but when I am in a deep down spell like this, it really amplifies the whole thing. Really struggling to cling to something, but just can't find anything, and everything seems to be crumbling around me.

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  • Thanks for the reply RSocks, I asked for a copy of the scanned application form, which they have not sent to me or the ombudsman. They claim there is no hardcopy aviailable in their system so can't provide (to me defeats the whole point of having one if it can not be used to sumbit evidence where a probelm has arrises) Being in softwar developent it should be able for software development team to extract a hardcopy. Evern without hardcopy, can rhe scanned form be transmitted in another way, by email attachement.

    I strongly feel the insurer is holiding back this information as it conflicts with details I was told over the phone (to which I have a copy of the phone recording) which would weaken his case, but umbudsman doi mades not really wait for it any longer. anyuwat the insurer has invented details of when  a ph was made, but I was told thar I had made instructions over phone,when I did noghing of the sort. I asked for a recording og that phone call, and none has been provided

    I don't any of the support you mention, I have generally been ok writing letters/email. There was a period where I could deal with phone calls, but put on an agressive and direct tone, that did prove sucessful some times, I wish I could do the same now

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  • Thanks for the reply RSocks, I asked for a copy of the scanned application form, which they have not sent to me or the ombudsman. They claim there is no hardcopy aviailable in their system so can't provide (to me defeats the whole point of having one if it can not be used to sumbit evidence where a probelm has arrises) Being in softwar developent it should be able for software development team to extract a hardcopy. Evern without hardcopy, can rhe scanned form be transmitted in another way, by email attachement.

    I strongly feel the insurer is holiding back this information as it conflicts with details I was told over the phone (to which I have a copy of the phone recording) which would weaken his case, but umbudsman doi mades not really wait for it any longer. anyuwat the insurer has invented details of when  a ph was made, but I was told thar I had made instructions over phone,when I did noghing of the sort. I asked for a recording og that phone call, and none has been provided

    I don't any of the support you mention, I have generally been ok writing letters/email. There was a period where I could deal with phone calls, but put on an agressive and direct tone, that did prove sucessful some times, I wish I could do the same now

    Random

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