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  1. How bad would this be for someone with little money now but *guaranteed* trust-fund money in 3 years (unless I die) I will have a substantial amount of money in about 3 years and this seems like a good option to me to at least save money in the present time...couldnmt one also just get this type of loan and pay extra when they are able?
  2. Well I guess all the info isn't correct, I was happy to get my Macy's card for $800 initial CL and they pulled Equifax, thank GOD! I already had 7 on my Experian and only 1 on my Equifax... I'm in California just f.y.i
  3. WHOA!! The "statement" in the LETTER "payment in full" is OK, it is the money order ENDORSEMENT that can't be added to. If you JUST used the "for deposit only" endorsement on the money order and did NOT add anything to THAT, then you are fine, and they are in violation, and you can go ahead with the letters. Let me try to explain, a TRUE "restrictive endorsement" ON A CHECK that binds someone to accept LESS than what they believe they are owed can NOT be enforced without their consent. The endorsement that the money order can only be deposited into the account of the named payee is NOT a "restrictive" endorsement as it does not require them to accept it as payment in full, it only requires them to deposit it into their OWN account. Whychat, Once again thank you! Whew!! Im glad you said that....Well the sad, maybe comical thing is I beat myself up after I mailed it because I FORGOT to write "For deposit only" on the money order. So in essence there were no restrictive terms whatsoever. I will now go forward with the letters and post them up for your approval. If I have to refund the money order before it expires, is it okay to get another one later, to pay them, if they request the money instead of "more trouble"?
  4. Whychat, Thank you for replying, I did include that statement , I thought that I was just supposed to copy and paste the letter and edit it with the information personal to me. I am so down right now, I can't believe I screwed this up, this was supposed to help me finally be able to get a car... At this point I am lost. Should I even bother sending out these other two letters?
  5. Whychat, thank you for all your help and everyone else up to this point and forward! Well, I have followed the Pre-Hippa process, the CRA verified. I got the Money order and sent the Hippa letter, they took forever to respoind, however I got a letter back today. I must say I was not pleased witht he result. I am ready to move on to step 3 with your assistance! What do you recommend I do from here? Here is what they said i the letter: September 26, 2007 George Washington 1232 IMINHELL, CA, 91666 Patient Name: Screwed Customer Facility: Ignorant Regional Medical Center DOS: 5/12/02-5/13/02 Account #: 555555555 Dear I Wish I Wasn’t Me: I am in receipt of your letter to the Legal Compliance Department at Crap Shoot Regional Medical Center regarding account # 5555555. Central Financial Control is a wholly owned subsidiary of Tenet. Crap House Regional Medical Center is managed by Tenet. Your check for $1118.21 was included. I am returning the check to you for the following reasons: 1. The total balance owed on the account is $1,633.23. The principal is $1,118.21 and the interest is $515.02. 2. We do not accept checks with restrictions placed on them. Cashing this check would constitute accepting your terms and we do not agree with your terms. 3. Central Financial Control has correctly reported your debt as unpaid. 4. The hospital has not violated HIPAA. HIPAA, the medical privacy rule that became effective in April 2003, allows a health care provider to disclose information to a collection agency. HIPAA also says an overdue bill can be reported to a credit reporting agency. Collection of an unpaid bill is considered a payment activity under HIPAA. Thus, it is not necessary that you give your consent before a medical bill is referred to a collection agency or before a negative entry is placed on your credit report. HIPAA says the healthcare provider or health plan may disclose only the following information about you to a collection agency or credit bureau: Name and address, date of birth, social security number, payment history, account number and name and address of the one claiming the debt. This is the information that was provided to Central Financial Control. Please send a check to Central Financial Control for $1,633.23. Once the payment is posted to your account, your credit report will be updated to reflect that the account was paid in full. Should you have any questions or concerns, please do not hesitate to contact me at (666)666-6666. Sincerely, salamander Who Will End Up In Court Senior Managed Care Specialist ____________________________________
  6. IT'S OVER!!! I am going to pretend like it was never there.
  7. Well at least you know it was delivered/received even if there was no signature, but it still worth it to call and ask the PO what may have happened. As far as the depositing of the money order goes, it could take up to a month for them to deposit it, just keep checking to see if it does, then continue with the follow up as usual. The HIPAA Process isn't the fastest process and patience is key. Thank you so much for replying, I guess I will wait them out then.. figured they woulda cashed it a.s.a.p or denied it if thats what they were going to do!
  8. I figured the person chose not to sign it, which is fine but...I really was hoping somehow they have it and would cash it...I guess I will call the PO tomorrow. Thanks....I was really hoping Whychat would check out this thread and add something Ive been looking around...not sure what to do at this point
  9. Bump? Follow up question.....the Hospital seems ot have had the money order now for 11 days...they haven't cashed it or responded....how long should I wait to make another move....what would that move be?
  10. Yea HSBC stinks its 1 30 day late from like 5 years ago I mean..come on!
  11. Well I coulda used it for a PFD on my BofA charge off...
  12. What happens if it comes back unsigned, period?
  13. If its HSBC you'll have better luck bringing John Wilkes Booth back from hell...I wish you luck though!
  14. Yea..they kept sending me "invitations" to apply for their wonderful $5,000 credit line, then when I did thwy chocolate on me and told me "no". Thanks for nothing Citi...oh and thanks for pulling one on EX.
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