Hi --\nI paid a deductible to my doctor after an office visit.  When my insurance company processed the claim, it turned out the doctor was in network, and I was only responsible for the co-payment.  The doctor claims that the insurance company never took her off the network, while the insurance company claims she never sent the termination letter.  I'm inclined to believe the insurance company b/c the Dr's office has been bad about returning calls and resolving this situation while the insurance company has been trying to get them to return my money.  Has anyone ever dealt with this situation?  What are the steps I can take to get my money back?  I paid with credit card and this money is legally owed me.  The doctor's office has been giving me the runaround for over a month.  \n\nThanks.
209483
maybe if u call the cc co and explain they'll help u dispute the charges, while they're in dispute u don't have to pay that transaction
426298
This is a bizarre story. Surely you must have been taken in front of the judge to explain the settlement, and surely you must have been represented by a "guardian ad litem"?\n\nYou should contact a mental health charity for advice and assistance. It may be possible to reopen your case.\n\nIt's not possible to comment on the your lawyer's conduct other than to say that she may have made a mistake, may have based an incorrect judgment on wrong facts given to her, or may have settled a dispute on the best terms possible. In the first case, her errors and omissions insurance may be liable to pay for any malpractice judgment. In the second and third cases, while she may be faulted for not explaining herself adequately she would have done nothing obviously wrong.
8980
I'm no expert on Work Comp in OK (I do know they have some silly rules) but it would seem that they cannot stop your health insurance. You aren't on COBRA. You are still considered an employee and thus if the company pays for its employees health insurance then they must pay for your insurance regardless if you injured. Now, with that being said, what does your employee handbook say about leaves of absence. I would consult HR at your companay.
461018
If you have a cancelled check or receipt for the $800.00 paid, file against them in metro court. A clerk there will guide you through the process. Have you kept a log of your contacts with this company and name of woman who refuses you a refund? Why did you not get the car?  Your choice, or theirs?
674421
I'm a lawyer.  There are two issues here:  does failure to pay on time invalidate the policy and does acceptance of a late payment constitue a waiver of the insurer's remedies against you.  The answer to the first part is yes -- your late payments are a breach of the contract and the policy can be cancelled.  I have experienced this first hand.  I was late making an insurance payment the month my son was born and I nearly got saddled with over $50,000 in medical bill.  The difference between your situation and mine is that the insurance company was smart enough NOT to initially accept the payment.  (Eventually, they accepted it and granted coverage once they realized that they failed post it to the proper account).  They knew that if they accepted payment you would argue that they have agreed to continue the policy as long as they will continue accepting your money.  This is a common sense argument.  Once they take your money, EVEN AFTER IT BECAME OVERDUE, you can then argue that they have waived the remedies of your breach:  translation : they must honor the policy because they were happy to take your money, so now they must pay out on the policy.  If you are local in Florida get in touch with me.
310740
The advice to call the FTC, or your Representative or Senator....please don't waste your time.  What a crappy bit of advice!\n\nNot sure what the insurance company is doing, start by calling them and get info.\n\nBut you did say you have proof the bill was paid, so lets go along that angle.  Paul M is correct, you simply need to read the Fair Debt Collections Act and the Fair Credit Reporting Act.\n\nFollow my instructions....I've played this game before and it will work for you.\n\nSend a "demand to validate" letter to the collection agency.  Use the sample letter below.  By law, they have 30 days to send you proof that you owe this debt.  That includes contracts, bills, receipts, and everything used to calculate what they claim you owe.  Also include a cease and desist notation in the letter so they stop calling you and bothering you.\n\nSend a letter detailing your dispute to the credit reporting agencies that are listing this debt.  By law, they must investigate this.\n\nIf the collection agent does not validate this debt, send a copy of the VOD to the credit agency, along with another demand to remove the listing.  \n\nIf they still do not remove this listing, you have an excellent small claims suit against both of them for listing unvalidated debts on your credit report.  You can sue them for $1000 each, and you WILL win.  I've done it, it works!\n\nContact me if you need any help or advice.
395682
Call the company and explain the situation.  They can often reverse the charge on your account when you correct the situation.  Most places are reasonable.
29403
If you paid with a credit or debit card I would call the institution that supplies that card.  However, since it has been over a year they may not be able to dispute the charges.  You may need to speak to an attorney if the product was worth the value!
468328
They probably don't want to go through the cost of taking your car back, so continue to insist on working out a payment plan with them.  Ask for the supervisor, and whatever you are able to agree on, get it in writing.  If you can't get anywhere with them, however, I would consider getting an attorney or nonprofit debt counselor involved who can negotiate for you.  Daily phone calls are harrassing and can be illegal.
625643
I know where your coming from. I am from Delaware and just had the same thing happen to me in the amount of over $12,000.  Have him write a hardship letter to each and every doctor he is getting a bill from.  Have him explain he is uninsured and could they please give some sort of discount.I did. They did lower each bill somwhat, which is better than nothing. I dont understand why they will except less from insurance but will bill the full amount to someone with no insurance at all.  Good Luck.
617677
I would definatley go to another doctor part of a different hospital and get a second opinion.  This is not only medical malpractice, but medical negligence.  After that, I would go and sue.
596562
Your odds are not good getting beyond his limits. Your attorney might sue him, but it is doubtful you would be able to collect much. Even if you won a case you would have to go after him for garnishments,etc.. If he doesn't own a paid home or other material goods the attorney probably won't bother. He may look at your personal auto insurance. That will usually cover for uninsured motorists if you carry that coverage but he would have to determine of you could use it since you weren't driving at the time. Since you say you have $170000 in medical bills I am guessing you don't have any personal medical insurance either. Your attorney should be able to tell you what to expect to receive after his fee, which is usually 25% to 40% depending.
520625
i had asimilar problem a while back and got in touch with the inland revenue. in my case my employer had been deducting the payments and listing them on my wage slip but not forwardinig it on. the guy from the inland revenue said that as i had reasonable grounds to believe that paye and national insurance payments were being made that it was my employer and not me that they would chase and possibly prosecute if necessary.\nhope this helps
669278
Computer Mail Order Submitted: 3/19/2004 8:24:31 AM\nModified: 4/27/2004 10:12:22 PM\n \n\nImpact Health Care myprivaterx.com (aka: Impact Pharmaceuticals, Inc.) charged my charge card for product, did not deliver, lied on the phone Miami Florida *UPDATE ..Finally got a refund \n\nCompany\nImpact Health Care (aka: Impact Pharmaceuticals, Inc.)\nAddress:\n11440 N. Kendall Dr,Ste 206\nMiami Florida 33176\nU.S.A.\nPhone Number:\n866-789-6337\nFax:  \n\n\nOn Dec. 30, 03 I ordered Zoloft on line from . They charged my charge card on Jan. 3, 04 for the full amount $125.00. I started trying to contact them three weeks later after the time they had said it would take to receive the order. No response to emails at all. The phone number is usually busy or the message box is full and cannot take messages, if you do get to a voice mail box, they do not return those messages either. I left numerous messages on the so-called office manager's (Gail Long)voice mail with no return. \n\nI called another number I found on line, 866-789-6337, early morning on 3-12-04 and "John Smith" (I swear that is the name he told me!) put me on hold and finally came back on to tell me he had called the pharmacy and the pharmacy was having trouble getting all the orders shipped. I told him I thought the trouble was probably worse than that and that I had seen a report on this Rip Off website about his company and to please just refund my money. He acted like he was typing it in then and even gave me a Transaction I.D. #, but of course, 7 days later and the credit is still not on my card. I told him the Rip Off website reported that they would say they were refunding but not do it, he just acted insulted when I said that. I also asked him the name of the owner of this business and he said he did not know.\n\nCandace\nJackson, Georgia\nU.S.A.
55735
One thing that call centers do is use an auto dialer.  It just puts in a few random numbers and whoever picks up first is connected.  Collection agency's, telemarketers and market research companies all use them.  Yes, it's annoying.  You need to call them and talk to them.  What I had to do with one company was get nasty.  They called me two to three times a day and sometimes I got the same thing you did, silence, and sometimes someone was on the line.  They called and woke me up and they interrupted my son's nap and even bothered us during dinner.  I called them and was like, this is harassment, plain and simple.  I told them not to use an auto dialer to call me.  I made it clear if the calls didn't stop, they would be reported.  They called once a week after that, we did make that agreement.  Just because you owe someone money doesn't mean they get to push you around.  I hope that or something else works for you because I KNOW how you feel.  As long as you are making some sort of payment to them, they shouldn't be able to take legal action...at least that's been my experience.  Even if all you can send them is $5 a month, at least you're trying.  Keep documentation though on what you send and when you send it.
619926
I would contact the better business bureau and place a negative report on their business. Next I would contact the credit card agency and ask them how to dispute this charge. Since this is from December 05 you might have a hard time getting them to do anything since that is almost 6 months ago.\n\nAs far as small claims court goes, you have 2 choices in filing a case. You can report it in your precinct where you live and if they will not go across state, which i do not understand as i have done this several times with medical collections....then you can file in the precinct where the business resides. You would need to call the county clerk for that county or the sherriff's dept and they can tell you which precinct that address would fall under. Best of luck.
347812
To the best of my understanding they can't. As long as you are paying then that shows good faith that you are gonna pay it off. I had a problem with a hospital bill awhile back. I sent them 10$ a month. There was nothing they could do about the amount being sent cause I was paying. \n\nSee what some of the other responses are but I think I am right.\n\nGood Luck!!!