At the moment I hate Apple
Sure.. we understand.
Sometimes it is not a question of love.. it is a question of hate least...!!
Your method of using the TC was always going to be problematic.. Apple does not support using the TC this way.. so the issue you have is lack of experience.. some things are important to ask before you use them. Apple intend you to use iCloud the way you wanted to the use the TC.. but of course it isn't quite that simple.
Anyway I have a fix for you.. which is easy peasy.
You will need to use a windows computer. Do you still have one? Or can at least borrow one.
Download and install airport utilities for windows 5.6.1
Download AirPort Utility 5.6.1 for Windows
Now I am using the Mac version of the same utility so it functions exactly the same but will look slightly different.

Click on Manual Setup. ^^^^^^^^^^

Continue.. ie ignore the warning message. Allow any other access that is needed.
Go to the Disks tab.. File Sharing.

You are going to turn on Guest access.

You can now apply the change.. and voila.. your TC is totally transformed to allow everyone access to everything.. which maybe not such a great idea in the long run but will fix the immediate issue.
NOTE.. my easy peasy solution will likely not work with latest incarnation of win10.. aka winX.
You need SMB1 protocol which MS removed as a security precaution so you will need to reinstall it.
NOTE.. as per earlier comments from Bob.. your current practice allows no backups of your files. A TC was designed as a target for Time Machine.. not a source.
You should not keep using the TC for your normal files.. Apple is very specific about this in some applications like iphotos and by extension photos.. you will eventually corrupt the entire library doing it. You MUST use your local hard disk.. either internal or a disk plugged in by USB / Thunderbolt.
If your using the laptop, I recommend you buy a dock with whatever Thunderbolt port your laptop has.. and hang a large USB drive off the dock.. but there are other ways and means..
Then setup Time Machine to include those external disks in your backup to the TC.