I am now on my own but of course very late there, I had promised to cook dinner for neighbours and they just left.
Here is a timeline I created some months ago to attempt in my analgesia-induced numbed state to make sense of things. Bot***** *****ne - I suppose I just can't believe that because I have always paid my dues, always played straight and done the right thing, I am in this position of my future being completely compromised by an action when I made when incompetent through constant pain, lack of sleep for months and strong analgesia.
Here is the timeline I gave myself trying to make sense -
September-January 2012 - Cambodia, Laos, India on way back to UK
India - bus hit our bus = spinal damage, within week - children in orphanage while trying to help pulled me from seat on pile of concrete blocks so I fell several feet onto blocks to avoid little ones below me.
February 1 – back in UK; accessed medical care
March 2012 through September 2013 – right side sciatica; on hands and knees, housebound, months of treatment - osteopath/ acupuncture/ physiotherapy
could prepare and sell Chichester home and return to NZ
appalling stress due to lack of income
September 18 – final departure UK for NZ
November – bought house NZ, found plumbing and wiring inadequate, rainwater tank for house supply polluted, septic tank soak field ruptured
December 23 – fell from ladder
Shoulder dislocation, fracture, rotator cuff torn, ligament damage
Jan – steady supply GP analgesia prescriptions – 3-4 hourly
Feb 20 – x-rays/ultrasound of shoulder - fracture, torn rotator cuff, ball joint ‘rubble’
Feb 27 – GP more pain meds
Feb – neighbour putting in illegal campground right outside my living room window, battles, Council meeting
March 12 - Perry Turner, Orthopaedic Surgeon
March 20 - MRI of shoulder injuries
April 9 – Perry Turner, Orthopaedic Surgeon
April 9 – GP more pain meds
April – May – Osteopath, Acupuncture, Physiotherapy appts 2-3/week
May 20 – 2 large amalgam fillings replaced
May 23 – GMI withdrawal form sent to me to close fund
June 12 – brain starting to work off meds, worried, email to GMI to pause pay out – no response;
June 16 – fund closed and pension in ASB account
July HMRC confirmed I must pay 55% tax on the whole of pension fund – approx. $146,000.00 – which has already been taxed!!
8 – Perry Turner, Orthopaedic Surgeon - off surgery list
Sleep in 1 ½-2 hour snatches cushioned upright against headboard, generally approx. 3-4 hours sleep/night
Tearful, exhausted, cognitive abilities terrible, evidence of memory and language skills badly eroded; logic frequently failed – costly mistakes re work on the house
Frequent desire to harm self to stop the pain and distress
Was I concussed in the fall? No one with me, lay on the ground 50 mins, no idea if I had been unconscious.
Frequency of analgesics + sleep deprivation + constant pain – could my decision-making have been affected to the extent of a case in legal terms re releasing pension fund?
When re-collecting myself early/mid-June I knew I couldn’t release my pension yet as I had been in the UK, detained with sciatica longer than should have been there.
Feel I had misdirected myself by a terrible fear during the acute pain to make safe/be secure.
NOW discover that NZ IRD will tax me on the June withdrawal!! Ruling came into force from April 2014. How was I to be aware? Why did GMI not make me aware of this change when I applied for the withdrawal in May?
Additionally, I had finished at Dunedin hospital (part-time placement) and then completed my tutor placement in the Dunedin Medical School September 2011 and travelled back to the UK via Cambodia, Laos and then 2 months in India as a volunteer on two projects in the villages outside Bangalore and an orphanage in Mysore.
While I was in the UK I was offered by a kind friend the possibility of sitting on a boat with only a few metres and three steps to hobble between from mid-June to end August while he took it down through France en route, stage one, to the Med.
I also left the UK for 3 weeks in September 2012 (I think) for NZ as I had an around world ticket and it expired then, I had extended it twice as I expected to use it much earlier. Stayed with friend in Dunedin NZ, wheelchair airport transfers, continued with acupuncture locally in Dunedin, returned to UK to complete what needed to be done to emigrate.
My house had not been sold while I was in NZ, it was sold while I was in the UK, September 2013, because I could not prepare it earlier for sale, I could hardly move. I've never experienced anything like it in my life, at least birthing was quicker!
I stayed in my own home in Chichester while in the UK. In NZ I rented accommodation, 5 in 5 years as they put the properties on the rising market as soon as my furniture was in place.
I feel certain I am sending this too late today for any response, the joys of a shrinking world.