ArchietheDragon
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Post by ArchietheDragon on Mar 30, 2016 10:33:36 GMT -5
I might have her add me later. It is just a pain that is all. I don't need security on my natural gas account. I suspect that they have had people go into accounts and change/add/delete services that the person setting up the accounts has no knowledge about....but winds up financially on the hook for. Probably. But had I been a women, I would have just said I was Emily. Any woman could currently call up and say they are Emily and change our natural gas account willy nilly. It will be like Armageddon. If I get added, any guy will be able to call up and say they are me and do the same.
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ArchietheDragon
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Post by ArchietheDragon on Mar 30, 2016 10:35:43 GMT -5
People are just really pissing me off lately. I am in a mood. PMSing.
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greeniis10
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Post by greeniis10 on Mar 30, 2016 10:39:51 GMT -5
I might have her add me later. It is just a pain that is all. I don't need security on my natural gas account. I'm having the same issue with my garbage account. I called to threaten to cancel because they keep jacking the rate up (it's my get them to lower it for a few years tactic). Well, apparently the account was set up by my ex back in 2009 and they won't deal with me. Seriously? I've been paying this bill for years for my house. THAT sounds annoying! What if you wanted to cancel? Would they "let" you? I've had this same issue for years with all the utilities including Comcast. They are all in my husband's name, but I pay them. If I have questions or issues I can't call and ask. Thankfully husband is retired and has time to spend on the phone when there is a problem, but none of these places have an issue taking my checks (in my name only) or transfers from my bank account (in my name only) every month. That's the frustrating part. But, I realize the security issue part of it, too.
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Opti
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Post by Opti on Mar 30, 2016 10:51:24 GMT -5
I might have her add me later. It is just a pain that is all. I don't need security on my natural gas account. I'm having the same issue with my garbage account. I called to threaten to cancel because they keep jacking the rate up (it's my get them to lower it for a few years tactic). Well, apparently the account was set up by my ex back in 2009 and they won't deal with me. Seriously? I've been paying this bill for years for my house. MPL, this should have been addressed before the divorce was final. You need to figure out a way to get account ownership changed to you even if you need to write a letter and have the Ex sign it.
Think of it this way. If the house was still in the Ex's name and you were making mortgage payments on it, the title of the house doesn't automatically get transferred to you simply because you made payments. This is similar. You probably can not cancel. Its possible you could walk in with a copy of your divorce decree and get it changed.
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Deleted
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Post by Deleted on Mar 30, 2016 10:57:39 GMT -5
I'm having the same issue with my garbage account. I called to threaten to cancel because they keep jacking the rate up (it's my get them to lower it for a few years tactic). Well, apparently the account was set up by my ex back in 2009 and they won't deal with me. Seriously? I've been paying this bill for years for my house. MPL, this should have been addressed before the divorce was final. You need to figure out a way to get account ownership changed to you even if you need to write a letter and have the Ex sign it.
Think of it this way. If the house was still in the Ex's name and you were making mortgage payments on it, the title of the house doesn't automatically get transferred to you simply because you made payments. This is similar. You probably can not cancel. Its possible you could walk in with a copy of your divorce decree and get it changed.
Well, I'm sure I can just quit paying. They would go after the person whose name is on the account, not me.
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snapdragon
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Post by snapdragon on Mar 30, 2016 11:05:52 GMT -5
Please make sure that you get your names on the accounts.
My dad was lucky in that all the main bills were in both his and K's names. Otherwise when she died he would have been up a crick without a paddle. We figured out that he would have needed the Death cert. and the Marriage License to be able to deal with any companies.
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Opti
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Post by Opti on Mar 30, 2016 11:07:07 GMT -5
MPL, this should have been addressed before the divorce was final. You need to figure out a way to get account ownership changed to you even if you need to write a letter and have the Ex sign it.
Think of it this way. If the house was still in the Ex's name and you were making mortgage payments on it, the title of the house doesn't automatically get transferred to you simply because you made payments. This is similar. You probably can not cancel. Its possible you could walk in with a copy of your divorce decree and get it changed.
Well, I'm sure I can just quit paying. They would go after the person whose name is on the account, not me. Yes, I'm sure that's true. Have you ever asked him to change the account to you?
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Deleted
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Post by Deleted on Mar 30, 2016 11:12:45 GMT -5
Well, I'm sure I can just quit paying. They would go after the person whose name is on the account, not me. Yes, I'm sure that's true. Have you ever asked him to change the account to you? Nope. It wasn't an issue until last week, I didn't even realize my name wasn't on the account. They send an email every three months, I log in from the email link and hit pay and it goes to my credit card. Been like that for years. I'm sure he'd call if I asked, but it's just a PIA. I would think it would just be common sense to add me. Same last name, same billing address, my credit card has made all the payments....
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GRG a/k/a goldenrulegirl
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Post by GRG a/k/a goldenrulegirl on Mar 30, 2016 11:38:52 GMT -5
DH and I are BOTH on the deed for our home and on our mortgage. *Our* mortgage got sold. The new mortgagor refuses to recognize me and refuses to talk to me.
We're all damned to die from strokes caused by dealing with incompetent customer service morons.
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GRG a/k/a goldenrulegirl
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Post by GRG a/k/a goldenrulegirl on Mar 30, 2016 11:40:40 GMT -5
I did that, but what I am seeing on our online account info doesn't exactly make sense to me, so I just wanted to talk with someone. This is what i see when log into my gas account. I just want to know if there is a credit balance on the account or if I owe $212. it is confusing to me. I am old. There is a link on the bottom of that utility bill that allows you to tell the utility company what you think. Use it. (MWAHAHAHAH!!!)
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Deleted
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Post by Deleted on Mar 30, 2016 11:42:18 GMT -5
I've posted about this before. When my daughter was 18, she opened a bank account. Because you have to be 19 to be an adult and enter into contracts in Alabama, I had to open it with her. I also set up $200 worth of overdraft protection on the account. When she got married, I removed my name from the account. I thought that removed me from the overdraft.
Nope. Years later her bank bought out my bank, and that $200 overdraft protection popped up on my account. However, I cannot close the overdraft protection; only she can. She doesn't have time. I'll concede that. But I am still pissed off at the bank. How can they say I can't close something that makes me liable for her overdrafts? There's no balance on it so you'd think that would be the perfect time to take my name off of it.
By the way, she is now 39.
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Opti
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Post by Opti on Mar 30, 2016 11:47:35 GMT -5
Yes, I'm sure that's true. Have you ever asked him to change the account to you? Nope. It wasn't an issue until last week, I didn't even realize my name wasn't on the account. They send an email every three months, I log in from the email link and hit pay and it goes to my credit card. Been like that for years. I'm sure he'd call if I asked, but it's just a PIA. I would think it would just be common sense to add me. Same last name, same billing address, my credit card has made all the payments.... I don't think its common sense at all. You want the utility to change the contract without the legal account holder's permission.
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Opti
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Post by Opti on Mar 30, 2016 11:51:06 GMT -5
DH and I are BOTH on the deed for our home and on our mortgage. *Our* mortgage got sold. The new mortgagor refuses to recognize me and refuses to talk to me. We're all damned to die from strokes caused by dealing with incompetent customer service morons. Sorry, that's just wrong. Probably sold to a religious mortgage company who feels its against its religion to recognize wives as homeowners.
I'd write whatever state or federal agency to complain.
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Opti
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Post by Opti on Mar 30, 2016 11:54:43 GMT -5
I've posted about this before. When my daughter was 18, she opened a bank account. Because you have to be 19 to be an adult and enter into contracts in Alabama, I had to open it with her. I also set up $200 worth of overdraft protection on the account. When she got married, I removed my name from the account. I thought that removed me from the overdraft. Nope. Years later her bank bought out my bank, and that $200 overdraft protection popped up on my account. However, I cannot close the overdraft protection; only she can. She doesn't have time. I'll concede that. But I am still pissed off at the bank. How can they say I can't close something that makes me liable for her overdrafts? There's no balance on it so you'd think that would be the perfect time to take my name off of it. By the way, she is now 39. I agree this isn't kosher. You probably need to go to a regulatory agency to get it fixed. The new bank apparently wants to keep you as protection for them.
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beergut
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Post by beergut on Mar 30, 2016 12:12:38 GMT -5
Archie,
You owe $212 on your utility bill.
BTW, if it went to third party collections, you have the option of firing them, and telling them you'll only deal with Macy's. It will take a certified letter to do it, but it is an option.
If Macy's sold it to a third party, they've already written it off to bad debt. However, if you deal with the third party, they're going to charge you late fees and collection costs. Keep in mind, they paid pennies on the dollar for this bill. If you just paid them what you allegedly owed Macy's after their late fees, they'd still make a significant profit. By adding on their own late fees and collection costs, they're just jacking up how much more profit they can make off of you.
I'd fire the collections agency, go back to Macy's, explain the situation, and tell them you'll pay them the $30 late fee you owe them. If they won't take that offer and say they'll send it to collections again, tell them you'll fire that agency, too, and come right back to them.
Advantage is you may save yourself $220 for the cost of a certified letter.
It is up to you if you want to spend the time to do this, though.
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ArchietheDragon
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Post by ArchietheDragon on Mar 30, 2016 12:18:29 GMT -5
Archie, You owe $212 on your utility bill. So why do you think the account balance says ($7.03)?
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ArchietheDragon
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Post by ArchietheDragon on Mar 30, 2016 12:19:41 GMT -5
Archie, You owe $212 on your utility bill. BTW, if it went to third party collections, you have the option of firing them, and telling them you'll only deal with Macy's. It will take a certified letter to do it, but it is an option. If Macy's sold it to a third party, they've already written it off to bad debt. However, if you deal with the third party, they're going to charge you late fees and collection costs. Keep in mind, they paid pennies on the dollar for this bill. If you just paid them what you allegedly owed Macy's after their late fees, they'd still make a significant profit. By adding on their own late fees and collection costs, they're just jacking up how much more profit they can make off of you. I'd fire the collections agency, go back to Macy's, explain the situation, and tell them you'll pay them the $30 late fee you owe them. If they won't take that offer and say they'll send it to collections again, tell them you'll fire that agency, too, and come right back to them. Advantage is you may save yourself $220 for the cost of a certified letter. It is up to you if you want to spend the time to do this, though. I probably don't want to do all that. But I don't think the collection company added any fees. The amount they want me to pay is the amount on the last Macy's statement.
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ArchietheDragon
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Post by ArchietheDragon on Mar 30, 2016 12:23:29 GMT -5
then the latest story of my anger toward all,
Yesterday my eye doctor called in a prescription for some topical cream for me. I had them send it to the CVS near work. I go after work, wait in line for 20 minutes. They don't have it. Then they find it on a pending list. It will take 45 minutes to fill. I say see you tomorrow.
I go back today at lunch. They don't have it. They look in the system some more. Oh, it went to the CVS closer to my house.
God damn it. I mean, I know the common denominator in all these stories is me. But it doesn't stop me from being pissed off.
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CCL
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Post by CCL on Mar 30, 2016 12:24:50 GMT -5
It shows a balance forward so it looks like that is leftover from your last bill. Then it has the current amount and total so shows you owe $212.
Why would you think you have a credit instead?
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mmhmm
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Post by mmhmm on Mar 30, 2016 12:25:40 GMT -5
ArchietheDragon, here's the number for Macy's Customer Service for credit cards: Macy's Credit Customer Service 1-888-257-6757 Monday–Saturday 9AM–9PM EST Sunday 11AM–8PM EST
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ArchietheDragon
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Post by ArchietheDragon on Mar 30, 2016 12:27:46 GMT -5
It shows a balance forward so it looks like that is leftover from your last bill. Then it has the current amount and total so shows you owe $212. Why would you think you have a credit instead? I must be getting dull. maybe I always was dull. I think there is a credit because there is a credit.
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beergut
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Post by beergut on Mar 30, 2016 12:29:09 GMT -5
Archie, You owe $212 on your utility bill. BTW, if it went to third party collections, you have the option of firing them, and telling them you'll only deal with Macy's. It will take a certified letter to do it, but it is an option. If Macy's sold it to a third party, they've already written it off to bad debt. However, if you deal with the third party, they're going to charge you late fees and collection costs. Keep in mind, they paid pennies on the dollar for this bill. If you just paid them what you allegedly owed Macy's after their late fees, they'd still make a significant profit. By adding on their own late fees and collection costs, they're just jacking up how much more profit they can make off of you. I'd fire the collections agency, go back to Macy's, explain the situation, and tell them you'll pay them the $30 late fee you owe them. If they won't take that offer and say they'll send it to collections again, tell them you'll fire that agency, too, and come right back to them. Advantage is you may save yourself $220 for the cost of a certified letter. It is up to you if you want to spend the time to do this, though. I probably don't want to do all that. But I don't think the collection company added any fees. The amount they want me to pay is the amount on the last Macy's statement. I'd call and negotiate with the collection agency. They're making a profit by having you pay the amount you owe Macy's because they bought the debt for pennies on the dollar. I'd offer to pay them half of the balance right now, and see if they go for it. Reality is that if you don't pay anything, they'll sell it to another agency in 6 months, and that agency will buy it for even fewer pennies on the dollar. They'll offer to let you pay it off for half, because they'll still be making a profit. If you take this tactic and wait, though, your credit rating will take a hit.
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Deleted
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Post by Deleted on Mar 30, 2016 12:29:29 GMT -5
Nope. It wasn't an issue until last week, I didn't even realize my name wasn't on the account. They send an email every three months, I log in from the email link and hit pay and it goes to my credit card. Been like that for years. I'm sure he'd call if I asked, but it's just a PIA. I would think it would just be common sense to add me. Same last name, same billing address, my credit card has made all the payments.... I don't think its common sense at all. You want the utility to change the contract without the legal account holder's permission.
Well, it was common sense to the woman I talked with over lunch today. She cheerfully changed the account name to mine and gave me a lower rate for the next 12 months. Thanks for putting a fire under me with your bitch post Archie.
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Knee Deep in Water Chloe
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Post by Knee Deep in Water Chloe on Mar 30, 2016 12:30:57 GMT -5
I'm sorry you're not having a good week.
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Deleted
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Post by Deleted on Mar 30, 2016 12:31:32 GMT -5
Archie, You owe $212 on your utility bill. So why do you think the account balance says ($7.03)? It doesn't make sense to me either. The credit says as of 3/30.
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ArchietheDragon
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Post by ArchietheDragon on Mar 30, 2016 12:33:26 GMT -5
ArchietheDragon , here's the number for Macy's Customer Service for credit cards: Macy's Credit Customer Service 1-888-257-6757 Monday–Saturday 9AM–9PM EST Sunday 11AM–8PM EST Thanks, MMhmm, Unfortunately I cannot figure out how to talk to anyone on the other end of this number.
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beergut
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Post by beergut on Mar 30, 2016 12:33:33 GMT -5
It shows a balance forward so it looks like that is leftover from your last bill. Then it has the current amount and total so shows you owe $212. Why would you think you have a credit instead? I must be getting dull. maybe I always was dull. I think there is a credit because there is a credit. Your current account balance is a credit of $7.03. You will owe $212.30 on 4/12, though. If you do not pay that, your account balance will be negative $205.27 on 4/13, i.e. you will owe the balance due after the credit is applied.
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CCL
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Post by CCL on Mar 30, 2016 12:33:52 GMT -5
It says your last payment was 02/16. Did you not make a payment for March?
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ArchietheDragon
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Post by ArchietheDragon on Mar 30, 2016 12:35:11 GMT -5
It says your last payment was 02/16. Did you not make a payment for March? we did but it is not reflected there. Another reason I wanted to talk with someone.
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CCL
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Post by CCL on Mar 30, 2016 12:36:55 GMT -5
Lol! Its amazing to me that all of us smart people are coming up with so many different interpretations of a simple utility bill.
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