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CORPORATE CRIMEFIGHTERS OF AMERICA -- April 14, 2005 ///////////////////////////////////////////////////////////////////////////// MORE ON UNUM'S THREATS REGARDING SSDI GIVEBACKS Tell Becky to ignore their threats and simply deduct the money from future payments. Bankruptcy is ridiculous. Have her see an attorney to explain the Great West v Knudson case from the U.S. Supreme Court which many lawyers interpret to give the Erisa company NO RIGHT to sue for reimbursement. The threat to sue is empty. SSDI benefits can not be reached. There is no debtors prison in this country. Michael M. Tobin /////////////////////////////////////////////////////////////////////////////////////////////////////// OH, JOY! Jim - Welcome back! A word to all. Pick up the phone and call the AG in NY. Call Joy Feigenbam at 212-416-8844 or Melvin Goldberg at 212-416-8296. Call the AG in CA. Cindy Ossias at 415-538-4124. These were two of the States that came down the hardest on Unum. Keep them informed of what is happening to you and don't be afraid to cc Unum. Let Unum know that someone is watching them. Your lives are worth more than the scum at Unum. At the very least, you have absolutely nothing to lose. Don't be afraid to stick it in their face. They are doing it to you, just to see if they can knock a few off the list. God Bless ////////////////////////////////////////////////////////////////////////////////////////////////////// AND DON'T FORGET THE BETRAYAL BY "YOUR" CONGRESSMAN From a reader: The man who mentioned filing bankruptcy must do so next week or the new law which comes into effect will pretty much kill that idea. Webmaster's Comments: How nice that "our" congressmen have passed a law for the banks and credit card companies. Now, those driven into debt by illness and Unum will never be able to get out. Corporations will, though. And how odd that "our" media made almost no mention of the theft of a right that Americans have had for well over a century. Next, our bribed Congress will bring back debtor's prisons, and I'm sure Bush will sign it. Of course, the media is really just a front for the opinions of corporate America. A "journalist" is no better than a whore, except for a very few. Actually, worse - whores do a lot less damage to our republic than lazy and lying newsmen. /////////////////////////////////////////////////////////////////////////////////////////////////// HEY, THE MORE BOOKS DAMNING INSURERS THE BETTER, SO SEND YOUR INFO ;') Hi, I am looking for any and all kinds of insurance contracts, business, home insurance, long term care, disability, auto, etc.,all attachments and endorsement pages. If being sent to me, they should be sent anonymously, the names of the policyholder, policy number and policy holders address should be removed. The company's name should remain in tact as should all other information. The information is needed as research material for a book in progress. These should be sent to P. Bernikow, PO Box 1536, New Brunswick, NJ 08903 Addendum: Just a note. During an informal discussion with a health professional, they relayed the following: A patient injured in an accident had badly herniated some discs in his lower back area. The films showed this and the man is in constant pain. As all insurance companies ultimately do, the patient was sent to an IME. In spite of the damage shown on the films, the IME said there was nothing wrong. The health professional wanted to know how a doctor could lie like this. Part of the problem with IME's is that they may not owe the people they are examining a fiduciary duty and/or there is no direct and/or implied contract between the IME and the patient they are examining. The IME is paid directly or indirectly by the insurance company. Therefore, in many states it becomes very difficult to sue these doctors when they mislead, misstate or omit part of the truth and they seemingly know it. I generally write all my state and Federal representatives when I run across practices like this and at this point have decided that I should write to the medical board in the state. Nothing herein is meant to be legal advice nor should it be construed as legal advice. If you have a problem of this nature you should consult legal counsel. Webmaster's Comments: Ah me, how could a doctor be like this. We trust our doctors; then we grow up. Add whore doctors to whore journalists and politicians. (I really have to stop insulting whores by classing them with the above three disreputable groups.) Actually, it's easier for doctors since they took the Hypocritic oath ;') /////////////////////////////////////////////////////////////////////////////////////////////////// TEN COMMANDMENTS: The real reason that we can't have the Ten Commandments in a Courthouse! You cannot post "Thou Shalt Not Steal," "Thou Shalt Not Commit Adultery" and "Thou Shall Not Lie" in a building full of lawyers, judges and politicians! It creates a hostile work environment. ////////////////////////////////////////////////////////////////////////////////////////////////////// THE OLD CURSE OF CREDIT REDLINING Webmaster's Comments: I've inveighed against this for years. If your credit is bad what in hell does it have to do with your insurance rate? It's just another excuse to raise rates. What really stinks is if you are broke, making your credit bad, your insurance goes up, making you even more broke. Or as the old saw goes, "The poor pay more." http://www.timesdispatch.com/servlet/Satellite?pagename=RTD%2FMGArticle%2FRTD_BasicArticle&c=MGArticle&cid=1031782046614&path=!business!columnists&s=1045855934868 Or if that humongous URL chokes your email proggy, try this: http://makeashorterlink.com/?M283264EA If you tend to send long links that break up in email and youre friends complain, you can always cut them down by visiting http://makeashorterlink.com ******************************************** Allstate customers have rights under settlement IRIS TAYLOR - CONSUMER WATCH - Apr 10, 2005 Has Allstate Insurance Co. unfairly hiked your automobile or homeowner premiums after secretly peeking at your credit report? If you are one of the million-plus customers who recently received an important-looking class-action settlement notice, it may have done that to you, or taken some other adverse action that violated your rights under the Fair Credit Reporting Act (FCRA), a federal consumer protection law. If you received, as I did, the "Notice of Your Rights in the Allstate Fair Credit Reporting Act Settlement," you may be entitled to a refund of $100 to $1,000 and maybe even a rollback of your premiums. In the very least, everyone who gets a notice is entitled to a free credit report so they can check to see if any errors are in it that might have contributed to whatever adverse action Allstate took that affected their pocketbook or their consumer rights. There's an information number to call if you're a member of the Allstate class action (800-361-4132). I chose to dial one of the law firms that represent class members, namely me, and ask a lot of questions. I also examined a lengthy court document at www.creditreportsettlement.com. Allstate is one of the nation's leading insurance companies. Without admitting guilt, Allstate opted to settle the action and make changes in the way it notifies customers about any adverse decisions it makes against them. On July 18, the U.S. District Court for the Middle District of Tennessee will review the settlement terms and determine its fairness to all involved. The judge may then issue a final order. After that, consumers will begin receiving their credit reports, if they requested one. Depending on what settlement class they're in, they also will begin receiving their refund and, if applicable, a premium rollback. If you did not receive a notice, but you're an Allstate customer, the settlement may, or may not, apply to you. Call the information number to find out. Here, according to a court document, are some of the sneaky things Allstate stands accused of doing between 1998 and 2004 without notifying consumers who were affected and telling them their rights. Based on their credit reports, Allstate: * raised some people's premiums, * denied the most favorable terms for insurance, * pulled credit reports without a permissible purpose, * required up-front lump sum premium payments, and * pulled the credit reports of consumers other than those being offered insurance. These are violations of the fair credit act, said the complainants. If the lawsuit had gone to trial, they would have argued that Allstate's "pattern and practice" of failing to notify consumers about its adverse actions, and what their rights were, was done willfully. In one instance noted in the court document, a couple learned the woman's credit report was riddled with errors after Allstate quoted her one auto policy rate and then the company looked at their credit reports and charged them a higher premium. But, because Allstate didn't notify them as it should have under the credit reporting act, they were deprived of an opportunity to get a free report, correct the errors and hopefully get a lower rate. Who is entitled to what in the settlement? Kathleen Knight, a partner in James, Hoyer, Newcomer & Smiljanich in Tampa, Fla., one of the law firms representing class action plaintiffs, including me, said A and D class members will only get a free credit report. Although Allstate pulled their reports, no money loss was involved, she said. But premiums were hiked for B and C class members. So, they stand to get a free report and possibly money benefits, the settlement documents show. They may get actual damages of $100 to $1,000, the document said. If no mistakes are found on their credit report and the premiums are appropriately priced, then no damages have occurred and those customers will wind up with only a free report. For those entitled to monetary damages, the check will be in the mail after the final order has been issued. Look on the upper right corner of the request form to learn what class you're in. Mine said "B/C" in bold letters. If there's no such notation on yours, call the toll-free number and ask what class you're in. The settlement was preliminarily approved by the court in September. Because the two sides agreed to settle, the court made no determination as to whether Allstate did anything wrong. In a statement, Allstate spokesman George Nolan said, "I can't comment on the settlement beyond the communication we've made to the customers. A small number of class members may be eligible for a cash payment if they meet the procedural prerequisites." What should you do if you received a settlement notice? Complete, sign and mail back the form provided by July 13 if you want the free credit report and potentially other benefits. You can opt to hire your own lawyer and file suit instead. But, you must tell the court in writing by May 2. By doing so, you'll waive any benefits under the settlement. The final option: Stay in the class, waive your rights and file whatever your objections are with the court by May 2. The Allstate settlement is important for consumers, Knight said, because it gets all the class members a free credit report if they ask for one. That will help them spot costly mistakes. Also as part of the settlement, Allstate will put a new compliance procedure in place to notify customers by mail when the company pulls your or your spouse's credit report and takes an adverse action based on that report, Knight said. It will urge consumers to take a look at their credit report to see why they're paying higher premiums, she said. If they're paying more because of a mistake on their credit report, and they get it fixed, they may get a premium adjustment. Furthermore, looking at their credit report will let them know whether anyone has tried to steal their identity, she said. This class action started with just one plaintiff in Florida in 2000 who sued Allstate. Other lawsuits cropped up separately around the country and the cases were consolidated into a class action. A litigation panel chose the Tennessee court to handle the settlement. The notices of settlement were mailed out beginning March 7. Consumer Watch appears weekly except for the first Sunday of the month, when The Times-Dispatch publishes the Small Business column. If you have consumer concerns, call Iris Taylor at (804) 649-6349 or write to her c/o Richmond Times-Dispatch Business News Department, P.O. Box 85333, Richmond, VA 23293. Her e-mail address is itaylor@timesdispatch.com ////////////////////////////////////////////////////////////////////////////// ANOTHER VIEW ON THE UNUM MULTISTATE "REMEDIATION" Was Your Disability Insurance Claim Denied or Terminated? UnumProvident Re-Assessment of Disability Claims http://hometown.aol.com/carynmont/CarynEMontaguewebpagebusiness.html ///////////////////////////////////////////////////////////////////////////// By the way, if you think I type all those //////////////////////////////////////////////////////////////// and ********************************************, and Webmaster's Comments: lines, they are put in by a neat free program called Shortkeys Lite. I just type the first three characters and the rest type themselves. (I could use different letters as a code since any code will call the full replacement line, but three chars is easy.) You could type a short code and it will paste in your address, for instance. Neat. and the right price, there being nothing cheaper than free. Or if I type three d's in a row I get the date, like this: Apr 14, 2005 Here's where you get it: http://www.shortkeys.com/ HELP OUT, PITCH IN, STEP UP, DO THE RIGHT THING Please support our cause if you feel this is important work. It is not easy to expose a multibillion dollar industry or help its victims with little resources. Send donations or subscription payment to: James Mooney 261 'B' Bumsted Rd. Monson, MA 01057 OR Via Paypal at: https://www.paypal.com/affil/pal=cybervigil@earthlink.net Jim Mooney, webmaster: www.micethatroar.com www.corporatecrimefighters.com UNUM'S SECRET "DESTROYED" CLAIMS MANUALS NOW AVAILABLE - Email manuals@micethatroar.com for details. THE UNFINISHED TASK "Behind the ostensible government sits enthroned an invisible government owing no allegiance and acknowledging no responsibility to the people. To destroy this invisible government, to befoul the unholy alliance between corrupt business and corrupt politics is the first task of the statesmanship of the day." Theodore Roosevelt, April 19, 1906 |
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