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I am totally tweaked right now. Some who kno0w me know that 3 years ago I had surgery, had to be off work a few months. Got disability benefits, and all was well. After I went back to work, I got another check from them...which I called about...and as far as I remember, returned the check at their request. Hey..its been 3 years, memory sucks and I have no paperwork.
Later in the year, I get a letter from them..we have this check here, that you never cashed...can we send it to you? Oh well...figured I had made a mistake (yeah..THAT was the mistake). Signed and got the check.
NOW..fast forward 3 years and I get a letter from them today...it seems we sent you an extra check..because YOU had requested it and we sent it in good faith. We want our money back..bitch.
Tried calling right away, office closed (at 4:15 in the afternoon, nice). I am sitting here in total meltdown mode..because they want the $300 plus in 10 fricking days. WTF.
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Three months ago, I fucked up on the tennis court.
3.2 mile Phoenix Fire Department ambulance ride to a Scottsdale hospital.
Over 8 grand a year in insurance premiums.
Trying to deny my $893 ambulance bill. Three fuckin' point two miles.
What? I shoulda called a limo?
I feel your frustration.
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I can't understand a system that if you get ill or have an accident says:-
FUCK YOU
Whats that you are terminally ill?
FUCK YOU
Oh you have a pre-existing condition?
FUCK YOU
I'm sorry we class a triple bypass as an experimental procedure.
FUCK YOU
The fact you pay so much for your healthcare doesn't bother me half as much as watching the fucking insurance companies try to wriggle out of paying for healthcare YOU HAVE FUCKING PAID THEM FOR!!!!
We need to punish the French, ignore the Germans and forgive the Russians - Condoleezza Rice.
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Oh.........shaddup you!  geez!
He ain't heavy, he's my brother.
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(04-04-2011, 04:51 PM)Maggot Wrote: Oh.........shaddup you! geez!
Internet brain farts are a pre-existing condition.
FUCK YOU.
We need to punish the French, ignore the Germans and forgive the Russians - Condoleezza Rice.
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The bitch is...I do not have proof that I sent an uncashed check back to them. But when I call I may have them on one thing...the letter said they sent me a "replacement check" and that I had cashed the original check. I guess I will ask for proof that I cashed two checks....like both checks endorsed by me.
Guess I am glad I have a family lawyer..may be needin g to call him into action. It may be only $300 to some...but it is a lot when you were not expecting having to pay it..and all.
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Always, always, always ask for proof of the debt.
It your right, by law. (Fed Fair Credit Reporting Act)
Please tell me they didn't "miny Miranda" you by disclosing this fact, in their letter!
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Tiki..they did NOT disclose any rights...and the only "proof" they enclosed was the notice they sent me in 2008 that they had a check that I had not yet cashed...and if I did not claim it they would send it to the NY unclaimed funds dept
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Without trying to sound too crass...you cashed a check that wasnt rightfully deserved, even though it may have been their error. Unfortunately, you owe them 3 bills. Look on the bright side, at least the greedy bastards arent trying to charge you interest.
Of the millions of sperm injected into your mother's pussy, you were the quickest?
You are no longer in the womb, friend. The competition is tougher out here.
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(04-04-2011, 05:32 PM)QueenBee Wrote: Tiki..they did NOT disclose any rights...and the only "proof" they enclosed was the notice they sent me in 2008 that they had a check that I had not yet cashed...and if I did not claim it they would send it to the NY unclaimed funds dept
I'm glad you have a lawyer, at your disposal.
Give everything to them.
Here's where you find the "mini Miranda": 15 USC 1692 g - Subsection 809.
These are your rights. Give it a look.
http://www.ftc.gov/bcp/edu/pubs/consumer.../cre27.pdf
Fair Debt Collection Practices Act.
Sorry . . . I mistakenly referenced the wrong act in my previous post.
Too much mouthwash.
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The FDCPA only applies if a third party is attempting to collect a debt. If the insurance company called or sent a letter themselves they do not have to abide by the FDCPA.
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(04-06-2011, 10:15 AM)wupdawg Wrote: The FDCPA only applies if a third party is attempting to collect a debt. If the insurance company called or sent a letter themselves they do not have to abide by the FDCPA.
True.
Insurance companies use brokers and "agents". There is the possibility that the communication is from a third-party.
I'm glad she is using the services of a lawyer.
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(04-06-2011, 10:15 AM)wupdawg Wrote: The FDCPA only applies if a third party is attempting to collect a debt. If the insurance company called or sent a letter themselves they do not have to abide by the FDCPA.
This is true on a general level for FDCPA. However, there are provisions of HIPPA Privacy Rule (Standards for Privacy of Individually Identifiable Health Information (“Privacy Rule”), 45 C.F.R. §§ 160 & 164, subpts. A & E) that address medical debt collections.
Furthermore, The FCRA provides procedures for consumers to dispute the completeness or accuracy of information, including delinquent accounts, appearing on their credit reports & further imposes special rules for the reporting of medical debt [FCRA § 623(a)(9), 15 U.S.C. § 1681s-2(a)(9). See also FCRA § 605(a)(6), 15 U.S.C. § 1681c(a)(6)].
Moreover, depending on your state, they may be additional laws and/or protections/rights afforded.
"The power of accurate observation is frequently called cynicism by those who don't have it." - George Bernard Shaw 
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I love having an attorney in house but I would love Ari anyway just because he's so fuckin' hawt. 
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(04-06-2011, 10:35 AM)Duchess Wrote:
I love having an attorney in house but I would love Ari anyway just because he's so fuckin' hawt.
WaWa, here I come!!!!
"The power of accurate observation is frequently called cynicism by those who don't have it." - George Bernard Shaw
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