I think people should be shamed when they do something wrong or crooked. Now this has to be done with tact. Two examples in the last few days.
I have a medication that is very, VERY expensive. I have always had this filled at my local pharmacy. With my two insurance policies the co-pay has been zero. When I started going to a new doctor who was local (we finally had a Rheumatologist move here) he switched my meds to CVS. They came in the mail. This means a box with $3970.00 worth of meds was thrown on my door step once a month. Well the co-pay bill came later with a $50.00 co-pay. SO for the last 19 months I have had to pay $50.00. An irritation but also grateful I could afford it. Now Doc switches me back to local pharmacy. No co-pay. I called CVS and told them (I asked for the highest supervisor I could get on the phone) Shame on you. As far as I am concerned they owe me over $900 dollars if a small local business can afford to get the medication with no co-pay the largest pharmacy in the nation should also. Cheats, users, scallywags and many other abusive names.
I have a Quick lock loan that belongs to the Dance studio. Don't know why they call it that and it actually belongs to me, but never the less it is due on the 15th and comes directly out of my checking account. I always make sure the money is in the account to pay this. Well this is the bill I am working on next in my pay off strategy. So last week I went in and paid $1000.00 on this bill taking the balance from $3344.00 to $2344.00. Now come the 15th (yesterday) I went into the bank to put yest another $200 on the loan and my account was overdrawn. How is that? Well they had pulled the $150.00 payment as usual on the 15th. So I had a 27.00 late charge among other things. Well it is the 15th until midnight. It was actually early afternoon. So when do they pull the loan and by the way I had already paid the loan so? I asked to speak to the manager who gladly returned my late fee and NSF charge. Shame on them. I did not understand the policy of pulling the money in spit of a payment made, I can forgive that, but pulling the money before the end of a business day on the day due and charging me? Not nice. Shameful in fact.
I guess, what I am learning from this is to pay attention and ask questions. Why am I being charged $50.00? I just thought that the meds were so expensive and I had changed insurance when Hub's retired. Any time money is involved don't just think, your thinker is wrong, ask.
Anyway enough cranking. Did you see that I am kicking butt on my next debt? Yippee. That quick, lock loan is going to be history. Now how am I doing this you ask? Well besides being busier than a nine petered puppy, Okay a little graphic but have you ever scene a puppy and his well..... I have been that busy. I also have paid off enough of my other bills to snowball more money into the debt. This by the way is where it gets fun. Not that paying off debt is fun, ( fun like a root canal) but at least it is getting done.
I am also under $10,000 in the kitchen loan and into the mid 50's on the house. I am smoking.
I have to get to work,dam%
Have a great and productive day!