Debt


Dad had his MRI about twelve hours ago. His other dementia-related tests are next week. I guess this was his first MRI because he had to tell me all about the machine. He asked if I’d ever had one,1 which threw me since he’s driven me to most (if not all) the ones I’ve had.2 But I guess I have to get used to that. He might remember them fine tomorrow or next week. I never really know what he will remember or when he will remember it.  He and mom also had to stop by Legal Aid to get help with another attempt at a garnishment by Bank of America of their Wells Fargo account. This time by the wonderful lawyers at Spina and LaVelle. I guess they don’t realize that it’s still against the law to garnish Social Security payments. Also, they left the writ in the mailbox (in an unmarked, unstamped, unmailed envelope)—which breaks a few federal laws. I don’t think the judge will be pleased with them.  I know I’ve had at least four. I think I’ve had five or six. ↩Since I can’t remember, I guess I shouldn’t judge. ↩

What’s In Your Head


theecrohniegrace: I have to find 1100 dollars for a procedure on the 15th and its 1100 for just numbing and Valium for the procedure, it’s 3300 if they put me to sleep and because my OBGYN is a bitch and said she didn’t think it was a necessary procedure… If anyone could help out it would mean a lot. Basically I have an abnormal pregnancy possibly molar or Choriocarcinoma but we won’t know til they remove the tissue and test it. But my OBGYN is a pro life bitch and says she thinks all my other doctors are wrong and that there’s nothing wrong with my uterus despite there being a giant mass in it which doctors confirmed doesn’t look like a fetus. My gofundme is http://ift.tt/1XoxjJC I would offer my PayPal but I was robbed a while back and my bank card was taken and I had to cancel it and get a new one and it hasn’t come in yet. via Tumblr http://ift.tt/1TXGW1Z

I hate asking for help…



Well, I just sent this to Amazon.com about the cancellation/refund/over-draft situation.1 To Whom It May Concern: On January 3, 2016, I attempted to cancel multiple unwanted orders from your company, including an order I didn’t make that contained a duplication of an entirely different order. Some of the cancellations worked. Some did not. I even tried getting customer service to cancel these items, but was told that they couldn’t be canceled. I tried to explain that the lack of cancellations was going to lead to overdrafts on my bank account. They said that they would try to get someone to do a back-end cancellation and would let me know the status of this cancellation. I was then told to simply refuse shipping on the items and that I would receive refunds. There was no cancellation. There was no follow up. I refused shipment and mailed back the unopened packages on January 25, 2016 and February 4, 2016, but no refund has been processed. I wasn’t told that I needed to go ahead and request refunds, again, before sending the package back. I’ve over-drafted multiple times (fees of over $600) as a result of the orders that I stated I didn’t even want in the first place and won’t be able to pay most of my bills for this month. I may not even be able to pay them next month. What is going on, guys? This kind of experience is ridiculous. Most companies have a billing and return system that works properly. Most companies process cancellations and returns a lot more quickly. I’m sending a copy of this letter to the Better Business Bureau. Maybe you can work with them and figure out what’s wrong with your system because obviously something is. And maybe, in the mean time, you can figure out where my refunds are and why I haven’t received them yet. I messed up on the fees for the over-drafts section, which I fixed in the BBB complaint. I sent this to the BBB: On January 3, 2016, I attempted to cancel multiple unwanted orders (things I either didn’t realize I put in my cart & not my wishlist or items that I decided that I didn’t want) from Amazon.com. One of the orders I cancelled contained a duplication of an another item. Some of the cancellations worked, but some didn’t. I contacted customer service and each person that I talked to claimed that they couldn’t cancel the orders. I tried to explain that I didn’t want the others and that I couldn’t afford to pay for them because I’m on a fixed income, so money is always tight. They told me that they would try to get a tech person to try cancelling my orders on the back-end because they said the order kept timing out on them. Then I was told that I would hear from them within a week and that I should simply refuse the shipments when they arrived. They said that if I refused them, I would receive the refunds. Well, the cancellation of my order didn’t happen and they didn’t follow up. No refunds were issued when I refused the shipments and sent the unopened packages back through USPS on January 25, 2016 and February 4, 2016, nor was there any acknowledgment that the packages had even arrived. I only found out today, when I was trying to find out where I could check on the status of the returns, that I was expected to onto their website, tell them that I was refunding the orders, and print a new shipping label, possibly even pay for the shipment. (This was slightly different from the refusal of shipment.) As a result of the unwanted packages, my bank account incurred $432 in over-draft fees for $149.55 of products that I didn’t want. In my dispute, I requested that my refund be processed ASAP. I said that it would be nice if they helped cover the over-drafts, but that I knew that wasn’t going to happen. I realized today that I needed to send the complaint to the BBB since Amazon obviously wasn’t going to fix the situation without someone intervening. So now I wait and hope that they finally start processing things properly.2 If you’d like to help in the meantime, I have a GoFundMe set up. ↩I didn’t even tell BBB that the issues with the cancellations and the return center have been going on for months. Almost any time that I want to cancel anything, I have an error pop up. One day I could cancel one item at a time to prevent an error–two items at a time would cause one–and could only do 3 single item cancellations before an error would happen. Either there’s something wrong with my account or something wrong with their system. ↩

Dear Amazon


I actually graduated from physical therapy yesterday.1 I didn’t get to go by the Wellness Center to sign up, though, because there were other things that needed to be done yesterday afternoon.2 I will either do it this weekend or some time in the next week. I may have to get a ride from my mom instead of my dad to get it done.3 I need to get my license so that I am no longer so dependent on the schedules and whims of others.4 I can’t get it until my bank situation gets sorted out.5  Happy dance. ↩Because life. ↩Asking him for rides always leads to me having panic attacks. ↩I have my own whims, dammit! ↩I’ve reactivated my GoFundMe because of some overdrafts I received after attempting to cancel some orders I didn’t mean to make. More about that is mentioned on the page. If you can help, I’d appreciate it. ↩

Actually Graduated



2
Remember a few months ago when I was trying to see my gynecologist for an annual exam & a prescription different form of birth control? There were tears and angsty fits and arguments with the Defund Planned Parenthood trolls12 and Humana and UAB. All of this before I decided to have the annual/prescription done by the family doctor. Good times.3 Well, I may get to look for another doctor soon.  For several months, my family has received statements from Humana that our routine appointments to the family practice clinic at UAB have been billed incorrectly. Specifically, they were billed as emergencies.4 We have tried getting them resubmitted, but the billing department’s “solution” was that they would contact a nurse in family medicine and have them submit a referral to the doctor. A referral from the family medicine clinic to a doctor within the clinic.5 The real solution could be a lot easier: fix the billing errors & find out who is making them and either teach them how not to make that mistake or fire them. But they’re sticking to the referral solution, which seems like a lot of unnecessary paperwork.  It’s especially unnecessary since it didn’t stop them from submitting my father’s bill to a collection agency. That was after they spent the year telling him not to pay it. Yeah, after that, my family was like, “We need new doctors.”  That’s easier said than done for me. Medicaid keeps my options limited. There aren’t many clinics or family doctors in Huntsville who will take it—even fewer if you combine it & the Humana. So I’m a bit concerned about shopping for a new doctor. I don’t think my family realizes just how hard it is to find a doctor who takes both.  Anyway, I need to get some rest so that I won’t be too exhausted at physical therapy tomorrow.6 #DefundPP can suck it. ↩Congrats to them on the “Center for Medical Progress” trolls being indicted in Texas over those shitty videos. It’s rather amusing to me that they’re the ones accused of attempting to purchase human organs—and that’s just what they tried to do in their little scheme. It’s also amusing to see conservatives bend over backwards to prove there was a liberal conspiracy in Texas by a District Attorney appointed by Rick Perry. There are pills for this kind of thinking. But I digress. ↩ ↩My UTI appointment. My mom’s blood pressure & post-hospitalization checkups. My dad’s physical. Routine stuff. ↩Actually, to different doctors in the clinic since we each have different doctors in charge of our care. ↩Two sessions to go. ↩

Oh the Doctors You’ll See


2
After getting the notice that UAB was closing their OB/GYN office in Huntsville, I sent a request for a first available appointment for an annual exam. You know, the exam that I was I could schedule in October…when they cancelled my birth control consultation without informing me and told me that I could either pay them $90 that I didn’t have if I wanted to get my birth control that day or schedule an appointment for an annual in October and get it then. Obviously, I should have fucked up my finances even more and paid for the $90 appointment because I got this response to my request: Unfortunately we are no longer scheduling annuals due to the closure of our office next month. Your last one was 10/14/15 so you can have one at any time. I show you have Human insurance and MC. You should contact Human for a list of preferred providers. Once you find a new Dr you will need to sign a release form for your records. Feel free to call if you have any questions Needless to say, I was not amused. It wouldn’t be a stretch to say that I was pretty pissed off, so I fired off this response: I understand your office is closing, but this appointment is important and time-sensitive. I went off the Depo, then was rudely told my birth control consultation appointment was cancelled when I arrived for said appointment, and was told that day that I would need to wait until my annual exam at your office to get the birth control prescription. Now you’re refusing to schedule the exam? This birth control prescription is to keep my anemia in check and prevent me from having to undergo infusions. I’ve already had some bleeding because it has been so long since I had my last Depo. And I’ve already started having early signs of the anemia popping up. If I am even able to find a local doctor that takes the Humana & the Medicaid, it will probably be 2 months for me to get in, so I would appreciate you making an exception in this case…especially since part of this predicament is on you guys in the first place. Yes, it’s manipulative. Yes, it’s abrasive. Yes, all of that was necessary. The reality of their office closing on short notice is that it’s putting lives in danger. I know that they still have pregnant patients that they need to see, but they also have cases like mine where birth control is a life-saving medication and they have people who may have diagnoses of cancer delayed by months because they had to transfer their care to another doctor. I am so sick of doctors and their employees acting like routine appointments are unimportant. They may not seem to be important to some patients, but they are actually very important for others.1 And it will take a while to find a doctor who takes my insurances. It always does. Right now, I can’t even get the physician finder on Humana’s website to work. Once it starts to work, I can’t even guarantee that who they list will even taken the insurance.2 What am I supposed to do? Am I supposed to let my health get worse? Am I supposed to just pretend like all of this bullshit, douchenuggetry, and dumbfuckery is acceptable? Fuck that. This is my life that they are messing with and they don’t have a right to jeopardize it. I shouldn’t have to sit here and wonder if I’m actually going to get medicine that I need in time to avoid infusions. I shouldn’t have to worry that lately I’ve been cold on hot days and that I’ve been paler than usual. But this is what I have to worry about when medical offices and insurance companies decide to make arbitrary decisions that endanger my life. I know that neither the office nor the insurance company are intending to harm patients by making these decisions, but that is what is happening/can happen when they cut off proper healthcare. Actually, they’re very important for all of them. ↩Humana has a tendency to list people who don’t accept their plans and not list ones who do. ↩

I Need That Appointment



Since the orthopedist told me on Wednesday that I needed to go through another round of physical therapy, use a designer drug for the inflammation,1 and wear a brace when I’m not in the shower, I’ve been a bit skeptical of how any of it was going to work. It didn’t help when the brace I was originally fitted with had a hole pop up in the top seam in the back. It also didn’t help when I thought back over all the weeks of physical therapy I’ve already been through.2 But I decided this morning that I would at least try to follow his orders. I set up a new round of physical therapy. The scheduler said that my folder from this Summer had probably already been closed, since I was technically discharged. I may end up with the physical therapist I had this summer. I may end up with the one I had last summer. I may end up with one of the ones who worked with my dad during the summer. Or I could end up with any of a large number of physical therapists that work for Huntsville Hospital. I may not have faith that physical therapy will help, but I’ve got to give it a shot. If it doesn’t work, it doesn’t work. But if it does work, then that will be nice. I may just need a lot more therapy than was originally anticipated. The pharmacy called this morning about the anti-inflammatory spray. At first I didn’t want to say okay to paying the $10 that the medicine will cost me–because insurance won’t cover it–but my mom basically told me that $10 isn’t much and that I need to try to do whatever I can to help my knee. And she reminded me of what I’ve already said in this entry, “if it doesn’t work, it doesn’t work.” She also reminded me that it would be a lot better to at least try the medicine than to go back to the orthopedist in four weeks and tell the doctor that I didn’t do as he ordered. I took the ill-fitting brace with the popped seam back. The DME3 people at the orthopedist’s office were nice and the one who helped me today actually checked to see how the brace fit when I was standing before she let me leave. She could see why it was so uncomfortable–the top part was too tight. She said she knew why it was hard to fit it because the XL brace that I was taking back was not only too small for the bottom part of my thigh, its opening for the kneecap was too large4 and the bottom part was too big for my calf. She said that the kneecap and calf issues could be helped by the straps, but that the only way to fix the top issue was to go with an XXL. The new brace feels much better. Oh, she showed me how the hole popped in the other brace. I was pulling it up in the back and just pulled that seem apart. She said that I needed to try to do most, if not all, of the pulling in the front of the brace, so that’s how I’m pulling. Maybe it will all work. And if it doesn’t, then I guess I’ll cross that issue when I get to it. I just have to keep myself from falling into the “it-hurts-so-bad-I-want-to-die” thinking. A spray that won’t arrive until at least Monday. ↩My physical therapist was great, but the pain I endured during the physical therapy was very unpleasant. ↩Durable Medical Equipment ↩aka my kneecap was too small ↩

Grit and Bear It


I believe the response to be disingenuous. It is odd that after filing a complaint against Synchrony Bank in this matter that my account was closed. It is especially odd that the returned payments, which I still believe were wrongly returned, that were part of my report against the company are the payments that caused the account to be closed. There are just too many coincidences in this situation for me to believe that Synchrony Bank closed the account for valid reasons. That was my response to the situation involving my Walmart card1 and the BBB. Their latest letter said, “Ms. Morris’s previous complaints were not a factor considered in our credit decision.” Sure. That’s why they used the subject of those complaints to justify closing the account. This whole situation has been very fishy. It doesn’t shock me that of their 426 customer reviews on the BBB website, 395 are negative. Or that so many of those are complaints about cards being cancelled for odd reasons or for having really horrible customer service. Credit card companies suck. I haven’t heard back from Walmart’s customer service about this issue. I don’t really expect to hear from them. If I do hear from them, I won’t really expect them to do anything. ↩

In Case of Bullshit



Since these tweets are all related, I thought I’d do it in one big post. A Tumblr user asked for me to include my disability diagnoses, so I added those to the descripti… http://t.co/BmIGGybIzI — Janet Morris (@janersm) September 3, 2015 The full text of this update: A Tumblr user asked for me to include my disability diagnoses, so I added those to the description. I also want to thank those who’ve donated. I also want to thank those who’ve shared the link without donating. And I want to thank those of you who have offered your thoughts and prayers. I appreciate it all so much. Wow. In the last 24 hours, I've gotten $45 in donations on .@gofundme. A big thank you to those who've donated. It means so much. — Janet Morris (@janersm) September 3, 2015 That $45 will get me out of the red for August's bills a day early. — Janet Morris (@janersm) September 3, 2015 And it eases the anxiety I had over the first round of bills for September. — Janet Morris (@janersm) September 3, 2015 So I am very, very grateful for the help. — Janet Morris (@janersm) September 3, 2015 Follow @JanersM on Twitter.

What type of disability do you have that prevents you from working? I’m just asking, because it doesn’t say on your go fund me page  – thethumperdiaries I should probably add that to the GoFundMe page.  I have multiple mental and physical health issues, but the ones that are part of my disability case: schizoaffective disorder panic disorder with agoraphobia arthritis ehlers-danlos/hypermobility undifferentiated connective tissue disease vertigo myoclonic & absence seizures  asthma chronic migraines (this isn’t as bad as it was before BOTOX) anemia (deficiencies: iron and vitamins b6, b12, and d) fibromyalgia I have other diagnoses in addition to these, but these are the ones that I’m on disability for. via Tumblr