these 2 days have been quite a bitch. sigh..
i've always been very reluctant to blog about stuff that makes me upset. in fact, i hate it.
sigh..
we are fighting very hard. For our flat.
you wouldnt believe the number of hiccups and obstacles that came our way in pursuing our lovenest -Dawson. One bad news after another.
Our Q-number and units selection were a miracle. We're doing all we could to make that miracle a reality now.
We've applied for the housing loan with HDB and it's rejected last mth cos we overlooked a letter asking for some documents. Called up HDB, wrote a long appeal letter and they requested for documents to verify my income (since i'm self-employed at the moment) and my NOA from IRAS. Deadline given: Next Friday
my NOA was filed wrongly at the beginning of this year becos i didnt know i had to file under "Trade, Business" instead of "Employment" since i'm a private home tutor. All along when i was in MOE, my NOA was sort of filed 'automatically', so i didnt have prior experience in filing. Well, even so, i know it's not as good an excuse, so i had to call in to ask IRAS to kindly amend it for me. And the drama started :(
IRAS in turn wanted me to verify my 'business revenue' in order to amend the NOA for me. So i had to submit whatever documents to substantiate my claim that i earn a certain amount and all allowable business expenses incurred. They claimed to have sent me an email sometime last week but i didnt receive it, so i told the officer over the phone to please fwd it to me again. He said OK, he would do it right away. I believed him and i checked my inbox when i reached home. But the mail wasnt there :(
so i called the same person up..
me: Hi, i've not received the email you have sent.
him: Ohh.. i will do it right away. If you still do not get it by tomorrow, you can call again.
me: what tomorrow?? you said you would send it right away right?
him: erm, yah. but if you still do not get it by 5pm tomorrow, you can call again.
me: 5pm you all off work already what. Even if i dont receive it, i wont be able to get any one of you after 5!
him: exactly...
me: THEN? (agitated)
him: erm, yah. okay, i will ask the department to send it now.
me: WHEN exactly?
him: within minutes. Now, i'll go to tell them now.
-_-!
really have to vomit blood talking to these "just follow law" govt bodies people!It's just forwarding an email, is it so hard? Dont tell me "YES I WILL DO IT NOW" when you just meant to get me off the line! :(
Anyway, i got into a 'frenzy mode' to consolidate my monthly revenue i got from my students' parents and went over to their houses one by one to ask them to counter sign for me. Thankfully the parents are all really nice and supportive :) Got it all done within 2 days and i sent everything to IRAS late last night.
I got up early this morning to call them again so that they could expedite the request for me.
The guy wasnt around. i called at 9am sharp.
I spoke to another lady and she told me i had to wait ONE MONTH for my NOA to be amended. I told her it is not possible as HDB needs it by next week. She told me even if she were to expedite my request, i also have to wait for 2 weeks, COS they are alot of people like me who have requests to expedite :( but she would put it as 'urgent'.
i knew if i hang up, i wont be able to take up my HDB loan and there goes our Dawson.
So i kept pressing her to make it earlier. She repeats (5 times) that it is impossible as the earliest is still 2 weeks :( until i asked her how she could help me. She paused, heaved a sigh, and said she will go and ask... while she put me on hold.
she returned and told me she would put it as "urgent urgent", so it would be mailed to me by next week friday BUT NO PROMISE. she said if i still dont get it by friday, i could call them again.
(that sounds rather familiar. Sat and Sun they not working then how am i supposed to get them? End up still 2 weeks what!) i dont know.. but i would call them later this week again.
Just leaves me wondering... if i had pressed and stressed her more, would she put it as 'urgent urgent urgent' or even 'urgent urgent urgent urgent' and get it done in 2 days?
:( i mean, if it could be put as 'urgent urgent',why tell me 2 weeks in the first place? :(
i understand they all have an SOP to follow. SOP are good in a way, but well...... i cant understand why they are so rigid. This is not the first time. In fact, we've talked with IRAS, HDB umpteen occasions. And they always 敷衍 us.. and this drives us mad!!
We've learnt that if we arent very firm about it, things get procrastinated like nobody's business. And then, the people who suffer are us :(
and then, amidst the mad frenzy, Jayen called last evening to tell me there's one more bad news :(
from HDB, that our appeal has been rejected. Now this is confusing. We've got 2 letters from HDB (different departments). One is to tell us to send it documents for the loan/grant to be further processed, the other one to tell us that the appeal has been rejected.
So now, what?
The latter stating reason being that they feel i cannot afford to pay the flat IN 5 YEARS' TIME based on the fact that i only have minimal savings in my bank account NOW -_-
hello~ i mean how they know i do not have 'eggs' put in other 'baskets' and from just judging a month's bank statement, they conclude that i wont have money to pay the flat installment AFTER 5 YEARS?
Hey, i'm just studying part time for 2.5 years and after that, i wont even be teaching tuition anymore. What makes them so sure that i wont have savings by then? i'm really so upset!! They can still write in the letter to tell me i should learn to save and it's a good habit to do so. F***!!
All becos i'm self-employed and i get all these troublesome shit. why? People can easily get the grant even when they're earning less. Just becos they are employed under a company. And they dont get their bank statements checked. Or whether they have a habit of saving regularly. Makes me have the urge to quit right away to get myself employed in some company.
anyway, i was really upset so when i called up mom to ask her about our joint fixed deposit, she found out how much i had in my savings a/c.. she said, "No wonder HDB thinks you dont have money to service the loan.."
So i told her, "but most pple my age have around this amount of savings in their banks what..."
and my mom rebutted me saying, "No lor, ALOT OF PPLE YOUR AGE HAVE A FEW TEN THOUSANDS IN THEIR BANKS. you just never managed to save that."
:(((((
really?
i was so upset.. i called hoping that she could give me some comfort but ended up, kena a few more buckets of cold water. I was near breaking down after i hung up the phone with her.. sighhhh... i really do not know what to do.
Jayen and I are stuck together in this shit... BUT we are praying very hard and trusting God for deliverance. Cos if the ball arent on our side of the court, there is very little we could do.
We have promised each other that we will never give up fighting for our Dawson flat. For God has blessed us with the chance, we will do all we can and have faith till the end.