Phone Scam Advising of 'Refund'
7 years ago
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- 7 years ago
- 7 years ago
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Is this a good idea? (Cancer Insurance with Refund)
Comments (57)I would have to disagree with the post that included "Scam beware Cancer Insurance Family Heritage"... "This cancer insurance is a scam."..."...You are much better off not buying this insurance. Put this money in a bank or invest it. You get the interest and get all the money if you can't fund your bank account after 7 years or whenever. Change your diet, exercise and minimize your risk to cancer. Even if your a compulsive smoker. work in an asbestos factory and drink out of styrofoam cups... Don't get this policy, they payout is not worth the premiums. This insurance company is all about screwing you out of your money." My mother in law who has always been pretty healthy (or so we thought), began her policy with Family Heritage in Oct 2010. She was over age 55 so her premiums were kind of high (I thought). With the highest paying cancer coverage, her monthly premium was $108/month. On Dec 17, 2010, she was diagnosed with small cell lung cancer (stage IV) with metastisis. She passed away Oct 27, 2011. From December 2010 to May 2011, she had already received over $30,000 in payments from Family Heritage, and we are awaiting the final payment for the May through Oct (expecting atleast another $17,000). If you are at risk for cancer, it is a good idea! And I know that $47,000 is not much considering the bills for chemo, hospital stays, icu, doctors, etc; but, if you are lucky -as my mother in law was- you will have very good health insurance that covers all of those bills except for office co-pays after your deductible has been met each year. So all of that was hers. Also, if a person dies within the 25 years, the beneficiary receives the life insurance that goes with the policy. So if you pay on it 5 years, don't use it, then pass away, the beneficiary gets the life insurance. However, as in the case of my mother in law, since they paid her well more than the life insurance, her beneficiary did not receive the life insurance. Also, if she had been paid $3,000 from the company, the life insurance amount would have been reduced by the amount paid out. For example: 15,000 life ins -3,000 cancer ins paid to insured= 12,000 life ins payout to beneficiary. Not everyones going to have the same situation (otherwise they would go bankrupt), but I do know that this is what she benefited from her policy and her kids did as well. We got a policy for ourselves as well!...See MoreTwo Credit Card Scams
Comments (12)Cynic >This one has me confused though: "...my cell phone provider gouged me for 4 consecutive months of payments even though I was paying cash at their store." If you have auto-pay, why are you paying cash at the store? Something's missing or I'm not following something. I was paying my bill in cash at their store. I had already called the (cell phone provider) ahead of time and told them I would be doing this. Each month my bill would arrive, each month it kept reflecting an overpayment. I would call them and they said it would be corrected. This happened FOUR months in a row. I contacted the credit card company and told them to cancel the card. Same thing happened with them. They would say it would be canceled. The following month I would get a bill for the same incorrect amount. I finally spoke to someone at the CC co. who said until the cell phone provider notified them, I would continue to be responsible for the charges whether they were right or wrong. They never said ANYTHING about having to have a cancellation number. BOTH the cell phone provider and CC company neglected to inform me of this necessary requirement. I wonder why? Well the reason why, is because THEY were MAKING MONEY and didn't want it to stop. These companies do not make it easy. They don't fully inform you when you sign up, and they don't tell you what you really need to do in order to cancel this type of payment. I finally contacted a consumer newspaper reporter. She said she doesn't care for automatic payments for the same reason and gets many calls regarding this. She contacted the cell phone provider's publicity relations department. That worked. They must have called my CC company because everything was taken care of within the month and I didn't receive any more credit card bills. My cell phone bills are what they are supposed to be. I still pay in cash. I no longer have the credit card. They send me solicitations all the time. Thanks, but no thanks. Contacting the AG's office is a good idea. dadoes >dreamgarden probably thought if he/she paid cash, the autopay wouldn't trigger. That's not necessarily the case. I wonder what IS the case? Who at EITHER company, was supposed to tell me I needed a cancellation number in order to stop the autopay? Out of a total of seven calls, 4 to the cell phone provider and 3 to the CC company, not ONE person mentioned this. Don't they teach customer service reps this information? I no longer wanted auto-pay and told them this. I said I would be paying in cash from now on and to cancel auto-pay. I don't understand how I could have been any clearer. >I recall a couple cases where I work of customers having autopay set up through CheckFree. One fellow died, his wife had NO CLUE about any of their finances and the auto-pay kept coming, for MONTHS. She no longer wanted the service, but she didn't contact us or was even aware the service existed, so how are we to know that? "How are we to know that?". How did you find out that her husband died? How do you know the wife no longer wanted the service if she was never contacted? Was she on the account too? Doesn't your company have some policy regarding taking money from a deceased person's account? > The other case, the fellow changed his account services, but didn't change the monthly autopay amount. We contacted him, he still didn't change the amount. Built up a large credit that had to be refunded when he eventually closed the service. When the fellow called to change his account services, was he asked if the present autopay amount was ok? If he was changing his account services, this would seem to be a logical question to ask a customer. Was he notified by telephone or in writing? This is why I like to receive paper billing. Sometimes when a credit card company calls (and leaves a message), they don't always state the nature of their business. When I have called back, they try to sell me some service or item I'm not interested in. Now I don't return calls unless they leave a message telling me something is wrong, or needs to be corrected. I had them put this in my file. I don't want to be bothered with solicitations or irrelevant matters that aren't directly related to some kind of problem with my account. In my opinion the above examples are just more reason to pay as you go and not allow company's to have recurring access to your bank account....See MoreLatest Scam Calls
Comments (40)I see doctors at UCLA Medical Center, and they are very difficult to reach by phone. For one doctor, whenever I would call, my call would go directly to their voicemail, and they would say that they would call me back. When they did call back, I usually did not have my phone with me or could not answer it fast enough, and they would leave a voicemail telling me to call back at a number other than the one from which they were calling, which I think is a general number for many departments. Anyway, while this was going on, I collected about six different phone numbers for one doctor, and finally I just called the number from which they were calling and got the main operator and explained the problem I was having. He then made the appointment for me himself without transferring me to another extension. Some doctors are extremely difficult to get because they are so busy, and it usually takes at least a month to get an appointment. My brother can make appointments with his doctor on-line, but that is not an option at UCLA. The good thing is that there are lots of excellent doctors at UCLA - the bad thing is that it is difficult to get the appointments. I try to answer the phone if the area code is 310 even if I don't recognize the number because there is a good chance it could be one of the doctors' offices. There are never any names that show up on the UCLA caller IDs unless I have saved that number in my contacts list. I see my regular doctor in Pacific Palisades, and his office is always easy to reach, although I might be on hold for a couple of minutes. His office is better staffed than the offices at UCLA. My Medicare supplementary insurance (SCAN) is like an HMO, and so I generally have zero co-payments, but I have to see doctors in the UCLA system, and my regular doctor is affiliated with them. He recommended this insurance, and I am very happy with it. In addition to the Ronald Reagan UCLA hospital, I can also go to St. John's in Santa Monica or Cedars-Sinai in Beverly Hills with the plan that I have. There is also an emergency clinic in Marina Del Rey that is very close to my house, and it is open on week-ends. I do have a high co-pay for other emergency room visits ($75), but I have not needed to use that. I've only gotten on phone call message that was Chinese, but when I lived in Venice, I used to get a lot of voice mail messages in Japanese because the people who had my number before me were Japanese. One time I had my BIL (who was visiting at the time) answer the phone in Japanese, and he had the most difficult time getting the people on the other end off. He could not convince them that they had called the wrong number. So if you get another call in Chinese, make sure that you do not speak Chinese back to them, unless they are someone you know....See MorePhone Scam Concerning Amazon Purchases
Comments (10)DH got that call yesterday. The day before, I got the one that said thank you for my prime membership of a couple of hundred dollars and to press a number if there was an error. We disconnected from both, they were just two of a handful of annoying calls. At a time when phone is the only way I'm keeping track of my mother in her care facility and some of those calls are coming on the caregivers cells phones, not through the main switchboard number that I recognize. A little thing within a week of too many little things!...See More- 7 years ago
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