Bad Bad Week

I've been very happy lately. And positive, very positive. I feel like being that way bought on good things. Maybe it did, maybe it didn't.

My dad called early one morning, and I of course worried. What could he have to tell me at 6am? I answer the phone with my heart beating at my throat.

"Hello?"

"Hey honey, its dad."

"Hey dad. Is something wrong??"

"No no, I have some wonderful news and I just couldn't wait any longer to tell you."

"Oh, ok."

"Maura and I have decided that since your expecting again, and your place is so small for 3 kids, that we will pay for a deposit so that you and Frankie, along with the kids, can move."

"REALLY??? Oh my gosh...."

After thanking him 5 million times, I hung up. Finally, we were gonna be able to move out of our tiny apt that was barely big enough for me, my husband, and our 2 kids. Let alone a new baby. I couldn't go back to sleep, so I started searching online for a house to rent. I needed to avoid the landlords or owners who did credit checks. When we were in our teens/early twenties, my husband and I had no idea how important credit was. So, both of us have terrible credit. *sigh*

After some search, we scheduled to see a 3 bedroom house. I had a good feeling, and I took my checkbook along. When we get there, despite that the house was being renovated, we knew this was it. We could definitely make it a happy home. The owner spoke to us, and though there was over a generation in age difference, our families had much in common. His was just further along. He took a liking to us, and decided we could rent the house if we wanted to. I immediately wrote the check for the retainer.

Fast forward to a week later....this week. On Monday, I go into our online banking to check on our account. And its overdrafted. Confused, I checked the transactions. There was an electronic check for 9.95 from a credit card company. We do'nt even have any credit cards. I immediately call the bank, and they give me the number for them that was on the check they made out.

I call the company and they refuse to speak to me. They tell me they must speak to my husband since the account is under his name. OK, fine. So I give my husband the phone. After 15 minutes on the phone with them, he tells me that they told him, he apparently signed up for a credit card with a credit monitoring service. They cancel the membership when my husband tells them he didn't do that. BUT they refuse to refund the fee they charged that caused our bank account to overdraft. In turn, the bank tells us, that unless we get a refund from them, they're not refunding us the overdraft fees.

After 3 days of headaches and talking to this credit company, they finally agree to refunding us. Sadly, its going to take 7-10 business days. Leaving us with a negative $115 in our bank account. Then, there's more bad news. My husband had taken 3 paid FMLA days off from work. His HR rep forgot to put them in. Making his check over $300 short. He gets direct deposit into our bank account. We are now left with $102.

Tomorrow, we're supposed to give the owner of the house $500 for rent and sign the lease. We also need food, gas, baby formula and diapers. I'm hoping and praying the owner of the house can be understanding and give us a break and let us move in. Otherwise, as of Oct. 1st...we are homeless.