Jump to content

Please consider disabling your adblocker for CreditBoards if you have not already done so.  This site depends on advertising revenue to stay online.


stetz

Members
  • Content Count

    118
  • Joined

  • Last visited

  1. Actually, there are a few points I disagree with you on. I have talked to medical billing people and even the FILING of a malpractice claim can have a lot of consequences for a doctor in terms of their insurance. Also, there should be absolutely no impediment to my treating dentist being an expert witness. She is paid a salary and has no interest in whether I drag myself in to her clinic or not. I used a treating dentist in a dental malpractice suit 20 years ago. I also found a malpractice attorney who took my case on contingency. If I have to, I will find one who will do it this time This bad dentist knows I won that case. I have been trying everything to avoid malpractice, as I don't want to go thru it again, it was awful. But this bad dentist has really done a number on my mouth/dental/physical health and since he will not admit to a mistake of any kind, I don't want this on my credit report after nearly 8 years of being a good payer and rehabilitating my record on to have this drag it back down. I DO NOT beleive I owe this dentist money., I believe he owes ME for what he did. I know alot about dentristy from studying it and I beleive the "care" was below substandard I WILL pursue the dental board. I know there's one in my state. Thanks for replying
  2. I have gone to this dentist because I could use Care Credit and make payments, right? I have always trusted the dentist, but he has changed in the last few years. to make a long story short: I had a bunch of work done even tho I merely went for a crown. All the work, except for a bridge, was substandard and I disputed a couple of crowns as #1 he quoted me prices that he kept changing, demanded MY work to make himself whole on this "discount" he gave me #2 one crown should never have been placed at all and failed after 10 days. And made me sick from the awful bactria and unable to work for months #3 he destroyed a crown root & canal job I had paid $3000.00 for about 3-4 years ago saying it was totally degraded. Another dentist I've been working with ( who couldn't take payments) said she hadn't seen anythng wrong with the tooth and it sure wasn't bothering me. I've had to have it pulled out since then and it has really changed my bite and messed up my partial. And made me sick again for a month ( I always get sick when my teeth are pulled) My other dentist said he drilled INTO my gum, destroyed the crown margin. ETC So, anyway, I contacted Care Credit and disputed two crown charges, one of which I won for non-authorization of charge. I figured that was one for the good guys. Wrong. The dentist contacted me the other day and demanded payment of this balance ( about $1300) saying that I had recieved the work and had to pay for it. I've had it with these people and their funky billing system; reliance on the dentist's prior excellent repuatation and feeling like prey instead of patient in his chair. Most of his "work" is now out of my mouth having failed and the first crown is causing me sensitivity due to improper finishing. I was sick for months after he left that poison tooth (which dry-socketed) in my mouth after it broke off and he tried to crown it. Now, I have a hole in my jaw in the exact shape of the root! Hasn't filled in at all after 6 months I had quite long email converstaions (which I saved) with the dentist who acknowledes nothing except that MY teeth were to blame I have contacted my current dentist, asking if she'd be a witness for me. I am in the process of writing a letter to the bad dentist offering to file malpractice, which crossed my mind several times during and after the work he did on me. I did not want to go that way, but I can and will. I feel he is harassing me and really, is a bit nuts. DO I owe him this amount legally? (If I sold MY customers something that fell apart after 10 days I can tell you I would refund their money pronto.) Should I tell him I'm considering legal action or just do it? Are there any other cards I can play besides a malpractice suit? ))))))))Brrrrrrrrr((((((((( HELP!
  3. A friend of mine had a collection agency come back on her after the SOL had run out. She sued them and made quite a nice amount of $$$$$$$ off it. Get an attorney. These "people" are the scum of the earth
  4. stetz

    Is this legal?

    Well, I guess that'll teach me! :::::::sigh:::::. I suppose it could have been worse. I could have owed them $10,000. I don't use credit cards much anymore but it was an emergency medical issue.
  5. stetz

    Is this legal?

    Here's what I found: 06/23/2009 $278.51 $82.23 06/19/2008 With Pay Deferred Interest $932.00 07/23/2009 $968.49 $144.51 06/30/2008 With Pay Deferred Interest $1,165.00 My interest rate is 23.99% Then, on 7/09 They added this finance charge: $244.57 My balance at the time was $553.99 So they are charging interest on $$$$ that I already paid which increased my balance to twice what it was before. It just doesn't seem OK for them to be doing this. If it isn't illegal, it should be. Compound interest is one thing, but interest on money already paid?
  6. stetz

    Is this legal?

    I know, but I've never paid the minimum and then they added the deferred interest and charged on that . somehow, whether it "jappens every day" it doesn't seem that I should be charged twice for what was deferred. It should be a separate part of the whole balance. I realize the banks now own the whole country, but aren't there ANY laws about double charging? The guy's response was sure defensive
  7. I took out a "care credit" account with GEMB and they deferred the interest for one year. Unfortunately, I was, due to the economy, unable to pay off the entire balance before the "grace period" ended. so they charged me the full interest for the deferred time period and now they are charging interest on that finance charge. I called 'em up and said they were charging me interest on the interest and the guy got all hot and said that wasn't so. The rate is 24.99% now. And I think that indeed they ARE charging interest on the interest. Is there anything I can do about this? It sure seems illegal to me, but I don't know what laws have changed since last I wrangle with credit cards. HELP!
  8. I took out a "care credit" account with GEMB and they deferred the interest for one year. Unfortunately, I was, due to the economy unable to pay off the entire balance before the "grace period" ended. so they charged me the full interest for the deferred time period and now they are charging interest on that finance charge. I called 'em up and said they were charging me interest on the interest and the guy got all hot and said that wasn't so. The rate is 24.99% now. And I think that indeed they ARE charging interest on the interest. Is there anything I can do about this? It sure seems illegal to me, but I don't know what laws have changed since last I wrangle with credit cards. HELP!
  9. Thanks for the info. I'll pass it on to her. I believe she meets the requirements.
  10. Thanks, I'll pass the info.
  11. Hi, any informed input would be appreciated. A friend of mine had a debt of about $7000 from a Federal student loan:Stafford Student loan. She became disabled and notified the folks she ususally made payments to. She gave them a letter from her Dr. to the effect she is disabled. She got a "deferment" from payments. Then, she didn't hear again from the OC in this case, I guess. Now, suddenly, it has been turned over to a CA called ASG, and they are demanding proof of her continued disability and say her debt has risen to $20,000 thereabouts. Her Dr. has not been prompt about sending this info. My question is....is she protected under the FDCPA because a CA is now involved? Also, is she protected by state laws such as the SOL, asset exemptions and stuff. It's causing her quite a bit of emotional stress and depression. She is near the state SOL and has begun filing for SS disability. So far, she has been living on her military pension. What are her options for getting these creeps off her back. (She doesn't have a 'puter so I said I'd ask you people.) What's this "rehab" you are talking about???
  12. Hi, any informed input would be appreciated. A friend of mine had a debt of about $7000 from a Federal student loan:Stafford Student loan. She became disabled and notified the folks she ususally made payments to. She gave them a letter from her Dr. to the effect she is disabled. She got a "deferment" from payments. Then, she didn't hear again from the OC in this case, I guess. Now, suddenly, it has been turned over to a CA called ASG, and they are demanding proof of her continued disability and say her debt has risen to $20,000 thereabouts. Her Dr. has not been prompt about sending this info. My question is....is she protected under the FDCPA because a CA is now involved? Also, is she protected by state laws such as the SOL, asset exemptions and stuff. It's causing her quite a bit of emotional stress and depression. She is near the state SOL and has begun filing for SS disability. So far, she has been living on her military pension. What are her options for getting these creeps off her back. (She doesn't have a 'puter so I said I'd ask you people.)
  13. OK. I got bushwhacked also with this fake arbitration crap. They even got a claim granted by throwing so much paper at me I couldn't keep up. What you need to do is resend a copies of your original "motion to refuse" and write them DV both to NAF and Wolpoff. The DV letter is on Whychat's website. I happen to be disabled, but they still went after me for the small equity I have in my house. One claim slipped by me bacause I thought it was the same debt. I also filed a compliant with my attorney general's office and CC'd everything I sent to the Naf and the CA to my state AG. They don't like that. Several states have ruled this forced arbitration illgal as it doesn't give the person being sued adequate means to contest. CC everything to both parties and the AG of your state. Do a search on this forum's engine for: NAF & National Arbtration forum. And keep throwing paper at them, it's the only way. Just because they've assigned a "arbiter" doesn't mean you will get a fair hearing. I didn't in either of my cases. One person on this forum did. But I think they do that every once in a while to look good. Remember, even if they "win an award", they still have to pursue it in your state court to get a judgement. F**kers!
  14. Send 'em a copy. Don't send the real green card, you'll never see it again!

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines