The past few days I’ve run up against screw-ups from “outside” – organizations, businesses, and individuals who have messed up in whatever they are doing connected to me. As mentioned in my last post, lack of money causes me lots of stress. But so is what causes the lack of money – or at least the worry about it.
The biggest screw-up is with CRA (Canadian Revenue Agency – the Canadian equivalent of the US IRS). First CRA messed up with my return which went in on time (April 30) and I paid what I calculated as owing even though I had to “steal” the amount from my fast dwindling RRSPs.
Six weeks later I receive a Notice of Assessment. That’s customary. But mine had recalculated the Canadian Pension Payment for my self-employment and they wanted $148. more payable by June 30, 2013 or I’d get charged interest.
Huh? It was obvious they didn’t calculate it on my net income but what amount they used I can’t figure out. Their Notice of Assessment explanation didn’t enlighten. June 13 I called the CRA customer service (or whatever it is called) and Lisa told me there was definitely something wrong with the amount calculated and not to pay it. She said it would take at least four weeks to sort it out and in the meantime until the computer system was updated the “payment” could come off my GST etc. rebated in July.
The payments didn’t come off and I received my list of future payment dates and the amounts.
Then I got embroiled in a lot of other issues (some shoved at me that I had to deal with). There was the construction going on outside include digging up a small area in my front lawn. This nonsense even interfered with another issue – my appointment with my lawyer to update my will because one of the beneficiaries had to be changed. I moved the lawyer’s appointment to the next day. Because I was in the same general area of Toronto, I stopped into Service Canada to hand in my application for Old Age Security. I do this because it’s faster to get it rolling and for someone to check over the form. Yes, I had missed something which the Service Canada clerk caught. (Some of them are pretty smart – it’s the higher ups who seem to be screwing up). And it has been approved – payments to start January 2014. Then I got a boarder (two, counting her cat) temporarily until she can get into Public Housing. This is a friend and I didn’t want to see her stuck. There has been some adjustment but we work it out – so far anyway.
Fast forward (which seems like my summer this year) to last Friday when I suddenly remembered I hadn’t heard back from CRA. Over the weekend I checked my files – nope, nothing. So I worried about getting stuck with paying some outrageous sum with interest.
Monday (yesterday) I phoned CRA and found out as I figured, Lisa did her job – she sent it on to the Tax Centre. But the jerks in the Tax Centre just started looking at the inquiry last Friday, Sept. 19 – a little over three months since I inquired. (I can see the synchronicity or whatever about the timing when I thought about it.) The customer service rep could only tell me that much. For the status until they actually do something and it shows up on the computer system, she had no info. She suggested calling in a few days. She also answered my questions about paying interest. If it is $2 or less it isn’t considered. But there is a form to fill out if you want to dispute paying the interest. I had told her this wasn’t a Sharon Crawford mistake but a CRA mistake and I would pay any correct extra I owed but I’m not paying any interest.
Last week I switched my annual high payment of house insurance premium to monthly off a credit card. Thought that was all settled when yesterday I received a letter (regular mail) from the insurance agent that there is a $.75 monthly service charge and a $2. Setup charge. Neither is a lot and I don’t mind paying them. But why wasn’t I told about those service charges in the first place? One more phone call to steal my time
No wonder I’m jaded, cynical, pessimistic (some of the time) and angry. I have a right to be. I don’t know if my late mother had to deal with crap like this.
On a brighter note, I finally picked up the time management book I had on hold from the library. This one I requested in print instead of e-copy because unless there’s a hold on it, I get nine weeks (two renewals) to read it. Should give me enough time to read it Yes, I see the irony.
But I ran into an obstacle there. The library system couldn’t check out my books (I added a mystery fiction) because my library card would run out during that time. I spoke to a librarian and first she added a temporary three week extension and suggested I come in next week with some ID with my address on it. None of my cards has that. I don’t drive, so I guess I’m discriminated against here all over. But I did some fast talking, mentioning that one of the main branch librarians could vouch for me and I taught workshops at this branch (both true) so she automatically renewed the card for a year. I don’t get nasty with librarians. However, why don’t we get email notifications of library card renewals due. The library sends other notices – holds (e-books and print) and book dates coming up.
But I have started using another tool to tame time. Will report next post next week.
I’m currently living on sales from my mystery short story collection Beyond the Tripping Point which is a good thing for sales but what does it say about the overall income picture?
For those interested check out my profile on amazon.com Just click on the book icon below.
Sharon A. Crawford
Only Child Writes