Persistence pays off!!!!!!
This afternoon I spent a good 45 minutes on the phone with the VP of The Insurance Company we were in a lawsuit with. The Company was able to do some research on the situation to see where things went wrong. This is how it all went down:
Bill paid for employee benefits only in 2005. In 2006 he paid for employee plus spouse. In February of 2006 we paid for family coverage. From March to June of 2006 The Big City Gym screwed up & only took payments for employee plus spouse coverage. In October 2006, Big City Gym figured out they screwed up, took the premium payments out again, but never sent them to The Insurance Company (yes, this is missing money).
Big City Gym sent paperwork for employee plus spouse coverage to The Insurance Company, but The Company never canceled Logan's coverage. This was a mistake by the Service Center & thus why every time we went in for Logan's well-baby visits, we were never told of a problem. It was recognized in June & retroactive. We began getting billed for the services, we refused to pay since we had paid for it already. In the process of fighting the bills, they sent us to collections in mid 2006. January of '07 the collections agency filled the suit. This was authorized by a non-management employee. Another mistake by The Insurance Company. Our case has prompted procedure changes with The Company so that they improve communication with the collection agency & make sure they go over the case before a suit is filled.
The VP of The Insurance Company then proposed their resolution. They are going to reimburse us the money taken from the collection agency, interest, court costs & then an additional payment of interest (this is like a pain & suffering payment - or paying us interest that we would have made if we had the money in our account). Not only are we getting our money back plus some, they are removing the garnishment from our credit history. All of this will happen by Monday when we get our check via courier.
WE WON THE CASE!!!! IT'S FINALLY OVER WITH!!!!
Tuesday afternoon, the VP of The Insurance Company is getting interviewed by the investigative reporter who's covering the case. I'm not sure if I'll be interviewed again, but I most likely will so that the story is complete with a happy ending.
I cannot even begin to express how relieved & overjoyed I am that this is all over with & with our family finally being righted. There were definitely dark days where I felt defeated & honestly, I don't know if I would have kept on with the persistence & diligence that I had if it weren't for hearing the message of staying positive. This would have never happened if I hadn't called the media either. Without the reporter covering the case, we wouldn't have made this much progress in this short amount of time. I am forever thankful for her efforts in this process.
And I hate to say it like this, but I am unbelievably proud of myself for keeping on with this & sticking up for our family with such fervor. Not allowing us to get bullied by Big Corporate really paid off. It was hard, but it all worked out in the end. It gives me not only a great feeling of accomplishment, but strength as well.
I will never let our family go down & I think I've proven that without any doubt.