|
In March of this year, after being billed again by our insurance company for bills that I had paid in full last March, I discovered that Rex had been getting charged for three Life/Health Insurance accounts from the company he had given access to his bank account. He had only ever authorized two.
He called the company and cancelled all three accounts and demanded a full refund for the fraudulent account and was told he had to cancel them in writing. He closed his bank account and opened another one to keep them from having any rights to withdrawl more money before they got the written notice. He wrote them immediately, cancelling the accounts and the following month we both received bills for our accounts, except this time, the account for me was directly in my name as opposed to his (since he had gotten the account to provide me with Insurance while I am here) AND twice the amount they were billing him for the same coverage and the same time period!!! This double charge to me, had we paid both bills, would equal what they were taking out of his bank account with the fraudulent account that they had previously used in his name! Calls to the comapny and written letters directed to the person responsible were ignored and we continued to receive bills, late notices and finally this: Address headers intentionally left out to protect the guilty and the innocent: Quote:
Well, I have had enough! Rex called them yesterday and they said that the check they owe him for the fraudulent account was put out in the mail the day before. We'll see. In the meantime, for having used my name to bill me directly for an account that I personally never authorized, they are going to get this in return: FORMER GROUP NO: ###### FORMER POLICY NO: ######### Re: Your form letter sent regarding a policy in my name that was never authorized by me to be billed to me directly and was cancelled by the policy holder in March, 2001: Dear KANDY My UNICARE Insurance Policy was cancelled in MARCH of 2001. This occured because your company is a rip off, charging my policy holder directly for two accounts, one of them being fraudulent! (See policy for Rex ####### and check his address against mine, it is one and the same). I CAN AFFORD TO NOT HAVE HEALTH INSURANCE AS LONG AS I DO NOT ALLOW YOUR COMPANY TO INSURE ME! I did not ask for or authorize a policy in my name only, my policy was being paid for by my employer (again, see policy for Rex #######). You would be smart to remove all traces of my name from your database and stop billing me for an account I DID NOT AUTHORIZE! I DID INTEND FOR MY POLICY TO BE CANCELLED! See first paragraph! Written requests have been submitted to YOUR DESK and phone calls have been made TO YOU PERSONALLY in regard to this matter! Legal fees will be paid by you if you want to push this matter into a lawsuit! You got that? KANDY? You are not dealing with "old" or stupid people here and what you are doing is beyond wrong! I seriously wonder how you believe you can get away with charging me directly and double this time around for the same coverage in the same time period that you also sent him a bill for! Remember the same address comparison? I have seen his bill and "my own" and I am beyond angry at this point! You should be thankful that Rex and I have the patience to have waited so long for the moneys you fraudulently collected from his bank account to be returned! Your time however IS running out! I doubt the next person you do this to will be as patient as we have and I will not be suprised to hear later that you are in debt for the rest of your life for the methods you use to rob others in the name of insurance! Again, and FOR THE LAST TIME, I am demanding that you remove my name from your database and cancel this fraudulent account in my name. MOST Sincerly, ----------------------------------------------------------------------------- Am I being to harsh? http://www.tgeweb.com/cgi-bin/ubb/no...miles/wink.gif Moni http://members.aol.com/lasttrueprincess/images/ltp4.gif [This message has been edited by Moni (edited 05-10-2001).] |
Moni, I love it. No, you are not being too harsh. They deserve every word. I personally believe insurance companies are rip-offs anyway. We pay for health insurance, auto insurance, home insurance, etc., etc. They can raise your rates at any time they darn well feel like and can cancel you if you happen to make a claim for something you are supposed to be insured for.
------------------ http://publish.hometown.aol.com/tobb...ady_avalon.gif Seeker of Truth |
Remind me never to cross you!!!!!
------------------ "The object of war is not to die for your country but to make the other bastard die for his." -General George Patton (1885-1945) http://www.123imagehost.com/images/t...amber5copy.jpg |
IMHO you are not being harsh. I have little trust for insurance companies as a whole (no offense to anyone that may work for one). In fact, if they continue to be difficult you may want to consider filing a complaint with the state agency that regulates and licenses insurance companies in your state. I believe that in most states this function falls under the office of Comptroller, but I could be wrong. Don’t even waste your time with the Better Business Bureau, even though they have great intentions, they are a toothless dog (again no offense intended). Hit them where they will feel it the most, primarily their ability to do business in your state. Not that your complaint will get them barred from the state but it is a step in that direction and one that they likely do not want.
Good Luck!! |
Lady Avalon,
Thanks! http://www.tgeweb.com/cgi-bin/ubb/no...iles/smile.gif MILAMBER, LOL, I am a very mellow and easy going person! No one sees my bad side unless they push me there, which this woman has done and believe me, she could be getting a lot worse out of me! If you ever did ruffle my feathers, I would first try as gently as possible to let you know and to find a working solution for the both of us...pushing it into a situation where I am mad would be a choice you make. http://www.tgeweb.com/cgi-bin/ubb/no...miles/wink.gif Hugs http://www.tgeweb.com/cgi-bin/ubb/no...es/biggrin.gif onthepequod, Thank you for the advice, Rex is giving the check (worth over a thousand dollars) until the end of the week to arrive. If it fails to show, Ms Kandy will certainly be faced with legal issues she is obviously not prepared to handle. I may add in a P.S that if the above mentioned check does has not been mailed as she said, at the time she finishes my letter to her, that she may want to consider getting it out in express mail. I will follow your advice and I thnk you for your input. There is no telling how many people out there that this company is taking advantage of and bleeding dry. http://www.tgeweb.com/cgi-bin/ubb/no...iles/smile.gif Moni ------------------ http://members.aol.com/lasttrueprincess/images/ltp4.gif |
Moni? No, you are not being harsh. You are justifiably angry.
Only thing I would suggest is that maybe you will want to be a little less personal towards KANDY. I assume she only works for the company? If so, their policy is not her fault. Also, maybe don't say 'fraud'. I don't know about the US, but in England you would probably come unstuck if you called a company fraudulent. Best left to Lawyers to accuse 'em of that! Good Luck! http://www.tgeweb.com/cgi-bin/ubb/no...iles/smile.gif ------------------ Smile! Life is too short for bitching! http://www.tgeweb.com/cgi-bin/ubb/no...s/EEhearts.gif Fljotsdale |
Heh, is it only me but I think you were too nice. My regratable laziness and some of a hellish temper gives me a few battles with insurances and some phonecompanies and alot of other administrative people (they do have to hate me by now..)
I usually star of nice, being kind of hmm well forthcomming, but usually ends up in an argument espacially if they did the wrong thing and I´m the one to pay for it. I know alot of law and espacially thoose concerining treaties (?) and commercials (well that is after all my job, not to get sued for my work) and most people react in different ways. I never write letters, I want someone to talk yo. (I´m pretty sexist to i must admit, I´m very nice if the other person is a lady with a gentle voice.. well dum me eh? think what you want about this but that is how I am http://www.tgeweb.com/cgi-bin/ubb/no...iles/smile.gif *wolfgrin*) Er sorry, to much beer in me brain tonight, er yeah, I noticed that if you´re on the offensive, tacticly and nice or pure agressive style leads to the most satisfying solution for you. Most oftenly this would be the right solution. Boring eh`I mean if they were nice to me and said they were sorry and are sending me a compensation or something I would just be like "hey, it´s human to er ok".. Never hear that fromn a bank though--- (Still perfectly intoxicated and amazaed over women beauty! *wolfgrin*) ------------------ http://wolfgir.najk.net/name.gif WOLF WINS EVERY FIGHT BUT ONE, AND IN THAT ONE, HE DIES |
Quote:
With all due respect, thank you for your wishes of good luck, however I must reply to tell you that if you notice the form letter, Kandy IS the General Manager and as also stated in my reply letter, she has been called over the telephone personally on this matter as well as having letters regarding the same matter, the same accounts, sent to the company with ATTN: Kandy W*#${)^& on the front of the envelope. (the *#${)^& is just to hide her true last name here) She knows derned well what is going on and how the situation should be handled. The fraudulent accounts I refer to are just that...accounts not authorized by myself or Rex for them to be billing us for and perhaps affecting our credit rating for due to the non payment letters sent in complete disregard to the fact that we followed all of their company policy rules in our attempts to get FRAUDULENTLY TAKEN monies returned and FRAUDULENT accounts cancelled. I shall call it what it is, to be nicer about it could give her the feling that she is in less trouble than she thinks so. Fraud is a serious offense in the U.S. and one that she is totally guilty of. We have proof beyond reasonable doubt of it and all we have to do is acquire the services of Rex's lawyer and POOF, she's going to be very sorry. The whole comapny will be. Take into consideration that this has been going on since March. Take into consideration that the original fraudulent account Rex was being billed for was active for a whole year before I brought it to his attention. Withdrawn through their convenient Automatic Monthly Checking Account Deduction Plan. Something ought to have been done by now and I do believe that they should count their blessings that they were not blindly slapped with a lawsuit, as we well had the right to do. I agree with WOLFGIR, LOL, I am being too nice, but that is just me. http://www.tgeweb.com/cgi-bin/ubb/no...miles/wink.gif Me asking if I am being too harsh is a totally sarcastic remark and I posted this, not just to get people's attention to what goes on with insurance companies, but to give people a laugh that I used the same form letter only worded a bit differently to reply. I am glad I posted it otherwise I would be ignorant of the good advice given to me by onthepequod. It is advice that will be taken. http://www.tgeweb.com/cgi-bin/ubb/no...iles/smile.gif Moni ------------------ http://members.aol.com/lasttrueprincess/images/ltp4.gif [This message has been edited by Moni (edited 05-10-2001).] |
Moni: along the advice of what onthepequod said, send copies of all your correspondence to Jose Montemayor, Insurance Commissioner of the State of Texas. Here's their website:
http://www.tdi.state.tx.us/commish/index.html Best of luck to you, dear! HUGS http://www.wizardrealm.com/images/saz1.gif [This message has been edited by Sazerac (edited 05-10-2001).] |
Wow quite a situation Moni! I don't think you're being too harsh. I would be incensed if someone was taking money out of my account without my permission. I'd also be pretty ticked off at my bank for letting them. Thank heavens I don't have to worry about insurance companies up here - I hear they're almost all a real pain in the keester.
|
Quote:
Hell, Moni! Don't shout at me for trying to keep you out of additional pain, lol! http://www.tgeweb.com/cgi-bin/ubb/no...iles/smile.gif Still, I know you are feeling pretty mad - who wouldn't be? - so, heck, shout away! No problem! http://www.tgeweb.com/cgi-bin/ubb/no...es/biggrin.gif ------------------ Smile! Life is too short for bitching! http://www.tgeweb.com/cgi-bin/ubb/no...s/EEhearts.gif Fljotsdale [This message has been edited by Fljotsdale (edited 05-10-2001).] |
YOU GO GIRL!!!!!!
------------------ Sir Taliesin If they take my gun can I still use my Claymore? |
Fljotsdale,
LOL! By no means did I intend to shout at you in my reply! I was merely emphasizing the word fraudulent as it applies to the above situation in order to get my point across, perhaps I should have made them bold or italicized! Please forgive me for me temporary lack of netiquitte, sometimes I forget the simplest things! Thank you for your concern and for coming back to this thread! I am probably not near as angry as I came across although I do admit that when I composed the letter my heart rate went up a bit (ooo! I am alive! http://www.tgeweb.com/cgi-bin/ubb/no...miles/wink.gif ) I almost feel sorry for this lady's blantent stupidity regarding the whole situation. She will find herself in more trouble than she is prepared to handle if she doesn't get it all worked out to our satisfaction. http://www.tgeweb.com/cgi-bin/ubb/no...iles/smile.gif Saz, Thank you for hunting down and posting that link! I will do that! Thank you SO much! Hugs! http://www.tgeweb.com/cgi-bin/ubb/no...iles/smile.gif Catzenpewters, http://www.tgeweb.com/cgi-bin/ubb/no...miles/wink.gif Almost? heh heh heh! You are lucky to be in Canada! If it weren't so cold up that way, I'd probably be your neighbor! http://www.tgeweb.com/cgi-bin/ubb/no...es/biggrin.gif Moni ------------------ http://members.aol.com/lasttrueprincess/images/ltp4.gif |
|
Well c'mon up and visit anytime anyway Moni http://www.tgeweb.com/cgi-bin/ubb/no...iles/smile.gif
It doesn't really get that cold up here, at least not in Victoria. A few degrees below freezing is about as bad as it gets - don't get much snow either. Best weather in Canada! A couple of my chat friends are from Texas and I've noticed a lot of Texans in these forums too. Lots of friendly people down there! |
Catzenpewters,
Well thank you for the invitation! Does it ever get above 68 (F)? Anything below that and I live in pain http://www.tgeweb.com/cgi-bin/ubb/no...iles/frown.gif I would love to see Canada though! I am not originally from Texas (Ohio, originally) and I have only been here for about two years but you are right, there are a lot of friendly folk in Texas! The farther West you go it seems the nicer people are in the US. I spent almost twenty years in AZ and almost hated to leave but I really like it here. http://www.tgeweb.com/cgi-bin/ubb/no...iles/smile.gif If you ever get a chance to come down this way, you are more than welcome to visit us! http://www.tgeweb.com/cgi-bin/ubb/no...es/biggrin.gif Moni ------------------ http://members.aol.com/lasttrueprincess/images/ltp4.gif |
arrrrrrrrgggggggggggghhhhhhhhhhhh i am tooo tired this morning to write how i feel about those bastards who did that but i just thought id let u know they make me <h1> ANGRY!!!!!!!! http://www.tgeweb.com/cgi-bin/ubb/no...les/mad111.gif </h1>
you have my fullest support in harrasing those coniving little weasels Moni! ------------------ http://www.tgeweb.com/cgi-bin/ubb/No.../azurewolf.gif "I was born of darkness. My fathers eyes closed before mine opened. I am not of this world or the other, and I have the right to be what I am..." |
<H3>Wonderful news! The check that was being delayed, arrived this morning and Rex gave me a few hundred dollars for a "finder's fee" LOL!
::Sniff:: ::Sniff:: Is that the MALL I smell?! </H3> In addition, a phone call made to Kandy through a 1-800 number confirmed the removal of all information reagrding the bogus account she took it upon herself to create in MY name will be removed ASAP. heh heh heh what wonderful things a few nicely related threatening words can do! http://www.tgeweb.com/cgi-bin/ubb/no...miles/wink.gif Still, I am going to pass all the information along to those in the state with the authority to act on it themselves, in hopes that this comapny and their evil ways will be STOPPED! http://www.tgeweb.com/cgi-bin/ubb/no...es/biggrin.gif Moni ------------------ http://members.aol.com/lasttrueprincess/images/ltp4.gif [This message has been edited by Moni (edited 05-11-2001).] |
a total congrats to you moni!http://www.tgeweb.com/cgi-bin/ubb/no...es/biggrin.gif
im still hungry for some coniving little weasels tho http://www.tgeweb.com/cgi-bin/ubb/no...les/mad111.gif they gotta pay for their crimes against humanity!! okay ive calmed down nowhttp://www.tgeweb.com/cgi-bin/ubb/no...iles/smile.gif ------------------ http://www.tgeweb.com/cgi-bin/ubb/No.../azurewolf.gif "I was born of darkness. My fathers eyes closed before mine opened. I am not of this world or the other, and I have the right to be what I am..." |
Hi Moni... about the coldest it gets here in the winter is about 30 F I think. We can get up over 90 in the summer but the average is more around 80. We're supposed to get a high of 68 today (hooray - summer's on its way).
I'd probably find Texas too hot - it's all a matter of what you're used to I guess! Victoria is very mild weather, never too hot or too cold. I visited relatives in colder parts of Canada once when it was -40. AUGH!!! That was brutal LOL |
I agree fully, Moni. Don't let this drop...follow up on it with the Insurance Commissioner. To be fair, let them know how it was resolved, but let them know with no detail spared what was done to you and Rex. It's time we started standing up for ourselves against these highwaymen.
Just as an aside: Way back in 1985, when I was about to finish my master's degree, I was on my way home from classes when someone crashed into me running a red light. I was fortunate that I sustained no injuries (I was driving a Ford LTD 1972 at the time, "battle wagon", http://www.tgeweb.com/cgi-bin/ubb/no...iles/smile.gif , but the car was totalled. The other guy's car was worse and one of his kids was hurt, which I was very worried about, but of course it wasn't my fault. (Kid turned out okay, just a split lip). Anyway, long and short, I filed a report with his insurance company. A couple of months went by and nothing happened, even after a few certified letters. So I sent a final letter demanding that they settle with me, threatening legal action, and sent a cc of it to the Louisiana State Insurance Commissioner. That insurance company had a guy out there two days later. I had originally paid $1200 for the car. He gave me $1050 on it, which I considered to be more than liberal, especially since I already had another car. My mother thought that was exorbitant; the car couldn't have been worth more than about $500-700 given its current state. Would you know, that insurance company had been BILKING people all the way along, and it was only that I threatened a lawsuit and followed up with the commissioner that I got my settlement! They went bankrupt the next month. Actually, that's not quite right...they disappeared and I heard a rumor that the president of the company had departed rather rapidly for South America. If I had waited another month... So you see the importance of following up on things. It was a lesson I remember to this day. http://www.tgeweb.com/cgi-bin/ubb/no...iles/smile.gif http://www.wizardrealm.com/images/saz1.gif [This message has been edited by Sazerac (edited 05-11-2001).] |
Saz,
Yes, I will be completely fair with the insurance company. They did after all return the monies they took even if it did take threats of a lawsuit to get it done (they had originally said in March that it would be sent out in thirty days....then in April, they said "next week" and it took until May and not until Rex had a long and serious talk with Kandy about the repercussions she would face if she did not make it right). He is too nice, he did have every right to file suit without even notifying them until after the fact! I told him he should have and that if he could, he should've taken the company from them fired them all and then done away with it LOL. http://www.tgeweb.com/cgi-bin/ubb/no...miles/wink.gif In the state of AZ it is law that all driver's have insurance and it is common practice for one company, in order to give drivers the lowest rates possible, to host a bunch of smaller companies that file bankruptcy as soon as a claim is filed, thus avoiding payment. This is an issue the Gov't needs to take a better look at but if there are "incentives" involved on a Gov't level (you know what I mean), it'll never happen. It has been going on for too many years for someone not to have noticed and taken action to halt it. http://www.tgeweb.com/cgi-bin/ubb/no...iles/frown.gif Moni P.S. In 1984 I drove a 1972 Ford LTD, white vinyl top on green body! http://www.tgeweb.com/cgi-bin/ubb/no...es/biggrin.gif (Found On Road Dead~Left To Die!) LOL It was a good car really, it died when going through a residential area at 30 mph, I went through a dip just 5 mph too fast and bottomed out, cracking the block~oops! ------------------ http://members.aol.com/lasttrueprincess/images/ltp4.gif [This message has been edited by Moni (edited 05-11-2001).] |
GREAT news, Moni! I'm very pleased for you! (and your husband, of course! http://www.tgeweb.com/cgi-bin/ubb/no...iles/smile.gif ) http://www.tgeweb.com/cgi-bin/ubb/no...s/beerchug.gif
Go and http://www.tgeweb.com/cgi-bin/ubb/no...les/behead.gif 'em! ------------------ Smile! Life is too short for bitching! http://www.tgeweb.com/cgi-bin/ubb/no...s/EEhearts.gif Fljotsdale [This message has been edited by Fljotsdale (edited 05-11-2001).] |
| All times are GMT -4. The time now is 10:30 PM. |
Powered by vBulletin® Version 3.8.3
Copyright ©2000 - 2025, Jelsoft Enterprises Ltd.
©2024 Ironworks Gaming & ©2024 The Great Escape Studios TM - All Rights Reserved