This is my story...
It all began a few years ago, quite inconspicuously. I would never say that this will be the beginning of my end...The day i took my first loan. Really a judgment day for me. In the matter of time I need to confess that I can't even remember what for I took it, but the next one i remember verry well. It was for paying the driver's licence course. I thought I took - at that time - huge amount of money. In my country it isn't cheap. It was my more than my monthly salary...After that there were few months or maybe a year without any other debts. In that time I focused on reading books, because it's one of the things i really love, and working hard in my job, which actually wasn't really a good one, but my sister get it for me so I wanted to make an impression. I worked in a supermarket. Remember that none job disgraces. I really liked that one. While working there i met my beloved girlfriend, situation were good, i almost payed of my previous loans i had a wonderfull girlfriend, what possibly could go wrong?
One day i woke up and while showering noticed a bulge on my back. I didn't care much that day, I thought that it will dissapear or something within few days. But it didn't. It was even worst, i couldn't strighten my back, when I tried to do it i felt horrible pain and it scared me really hard. I went to my job anyway, but couldn't stand the pain and I immediately went to a hospital. Few test and diagnosis - nothing really scary - cystis pilonidalis. Two or three days in hospital and it's over, they needed to cut the bulge and stitch a wound. Most shocking thing? I must rest in home for 4 months - it depented of the patient how fast wound would will heal. In my country we have something like ZUS - social insurance company - and you are insured by they since your'e born. You can't do anythig with it, you can't just exit it, it stays with you from birth to death. Nobody likes this company - no I'm not precise right now - people HATES it. And heres why. Imagine that you have a company and you're paying a single employee 2000 pounds a month. But the maintenance of an employee cost you 3000 ponds. Why? You need to give 1000 to ZUS. Employee does the same! From his 2000! He gives 500 pounds to ZUS. Total cost of his maintenance was 3000 but he gets only 1500. Half of those are taxes.
When your'e not working after surgery ZUS pays you 80% of your total earnings but only of your main employer - it's a bit more complicated, but i will leave it like that. I worked in a supermarket as i wrote earlier but I didn't mentioned I simultaneously had other jobs in the same place. I merchandised products in my own supermarket to earn more money. And here the REAL problems started. While resting after surgery or anyting that unables you to go to work you can't have other jobs - actually I'm wrong, you can have other jobs but you need to inform those employers that you're unable to work for established period of time and they stop paying you until you'll get better. I know it now, but i didn't know then.
It was a beautifull day when everything in my life broke down. I recived a letter from ZUS, which mentioned i need to pay back those 80% of my total payment from 4 months, which they paid me when I was unable to work plus other sick payments! I was crushed to the ground, couldn't eat, couldn't sleep. I wrote a letter to them but it didn't work at all. I must pay back almost 8 monthly salaries...because i didn't inform my other employers that I'm unable to work and didn't tell them to stop paying me... I took a loan, but couldn't pay it off and took another one, and another one, and another one to pay off last one...When I noticed what am I doing it was to late. I was in a debt trap. Deeply in it. So hard i had suicidal thoughts. Actually i still have them. Easiest way to end it once for ever. But i have my girlfriend. Shes everything to me, she supported me all the time, I can't let her down and just give up so easily. I took more jobs, work in weekend, work in my free days, I'm doing everything to pay it off buy it is not enough. I made a mistake, horrible one, that changed my life. And now I'm here, writing this message to you all, I don't know I'm woth it because it's all my fault. I'm not ill, I'm not dying, I'm just most stupid man in the world. Am I worth enough for your help? God bless you all