Im bitchy, I moan, I groan.....anyway.
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Wish -- I would call the refinance people and clarify that they sent it out on the 25th and you received it on the 26th. Whatever overnight service was used (FedEx, post office, UPS, DHL) should be able to verify the dates it was sent out and delivered. Usually "5 days" means "5 business days" -- so hopefully someone in the re-fi office will agree that the offer is valid if returned within "5 business days from the date you RECEIVED the offer." Then get their name, phone number and job title!
God -- this stuff SUCKS!
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So much suckiness that I haven't even said
Pam, I'm sorry, that totally effin' SUCKS...
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Just popping in real quick cuz I saw the word refinance.
Wish, don't worry about the dates. They will gloss right over that. Mortgage co's are so behind on everything right now it will probably take them a month to even acknowledge receipt of your package. (Unless they are a small company.......) I was in the mortgage industry for over 20 years prior to bc.....so I am 100% confident that I am right. They will be elated that you are doing something and they don't have another.......foreclosure on their hands.
Gotta get back to work. I'll catch up tonight at home.
Hugs everybody.
Traci
ps Thanks for the video Blue. Very cool!!!!!!!
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Oh you ladies. You are such help! Just your kind words and thoughtful responses have helped immensely. In the middle of all this mess, they are widening our road and what a mess. Can't even park in the drive tonight or tomorrow, b/c Both drives will be blocked. Now, why can't they do one and finish that and then do the other. At least us and both our neighbors could use one of our drives during this time instead of none and having to park around the corner! UGH! Then plans have changed and I had to make major decisions about where the culverts and drives will be and added in drainage and where to, b/c dh is gone and it's not something one can explain on the phone, so he left it to me to decide! You know how anal men are about their drives, so here I am, fog brain, trying to discuss this crap with the county engineer and township super and manager and I'm a bit of a peon feeling.....Oh crap! I hope I made the right decision. I just know down the road some comment will be made about where I placed it all and I'll just have to get the shovel and finish them all off, including dh!
That was 3 things today. I wonder why I am having chest pains and palps and SOB hey? Hmmmmm...funny it's all got to do with freaking MEN!
OFF WITH THEIR HEADS I SAY! ALL OF THEM!
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Wish, I'll make that anonymous call for you. I can honestly say I am an outside party seeing this happen and bring up whatever you want brought up. Even if someone gets my name they will have no clue who I am connected to! PM me if you want me to be Ms. Anonymous! Sounds mysterious, doesn't it?????
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Wish,
My recent insurance "adventures" were with BCBS of MI and I can certainly agree with Ann when I tell you that THEY are not the ones to ask for help to get this straightened out. I feel totally screwed by them right now. The insurance commisioner is a great place to start. With luck, they will have a good answer for you.
I am so sorry this is happening (and also for everyone else's IOS!). Luann, if you DO call, it wouldn't hurt my feelings a bit if you threw in a few choice words about their crappy reps lying about XELODA copays and messing with my LIFE! LOL Maybe we should appoint Luann as our official "mystery bitcher"!! LOLOLOLOL
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Well, when all is said and done, it's not really BC/BS fault, b/c they weren't paid. My guess is, that if they cancelled the policies on july 15th, the payment for june 15th wasn't paid, so that means, for the last 2 1/2 months, our 1/2 of the payments have been taking out of everyone's checks and not forwarded with his half to bc/bs, so you can't blame them, although, if they really wanted the $$$, why wouldn't they have notified US, the uninsured sooner! In fact, we were NEVER notified. I was the one who blew the whistle when I couldn't get our scripts filled last week. Till then, the insurance rep hadn't done anythign and neither had the owner, so there you are. I can't blame bc/bs for doing the cancelling, you know? As for that, they are also willing to underwrite an individual policy IF its not straightened out before the 60 days are up, which I need in order to stay insurable.
LuAnn, You are such a sweetheart, truly! I may take you up on the phone calling. Dh has decided to come home tonight, on his way now, and should be here sometiime tonight. We'll talk and figure something out. When he told his boss he was taking his 34 hours off, he had a fit. Dh nearly told him where to stick the job, but...told him he had to take of care of things at home and when dh asked him what? WTF? None of his business really! But dh told him insurance for one thing....He said, (the boss), that he was taking care of it! The Boss has NO idea we KNOW it wasn't a paper he failed to file, but in fact the payment was not sent in. So far anyway...if I have my drutheres, we'll be in there tomorrow morning first thing to have a little discussion with him, but we shall see. From there, I may make the phone call or if I'm too messed up emotionally, I might call you on it! I appreaciate the offer, b/c believe me, dh is too much of a pussy cat to deal with these idiots! They'd walk all over him...
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Wish--the chocolate fairy tale you described sounds wonderful in the midst of my amazingly trivial IOS--my tastebuds are so messed up that even my bragging-rights well water tastes like cr@p! But, much to my delight I have made the most incredible discovery!! Chocolate still tastes like chocolate!! OMG!!! Like a mercy drop from heaven!
I'm going to celebrate my discovery with a big bowl of warm chocolate pudding tonight and dream of the veranda and cabana boys.......
But, before I float away on my chocolate dream...a great big THAT SUCKS!! to all in need!
Sherri
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HEY, wish! I have a house, in the south. It's not a plantation, and I don't have cabana boys (although I AM confident about my ability to hire them), but it does have a big, covered back porch with nice table and chairs......and we can sit around that table and imagine a pool filled with warm chocolate and bitch about men. I am so sorry you are having to deal with all of this alone. My husband is gone about half the time (he's an airline pilot), and I know how that feels. Seems like every time one of the kids needed stitches, he was gone. Every time one of the cars stopped running, he was gone. (I do have to say that didn't happen more than once or twice through the years as he has always taken good care of my car). But I know how you feel. I think talking to the boss tomorrow will make you feel better. I hope you get some satisfaction. That guy will one day stand in judgment for what he did, because that is truly evil. Please, please please pursue every avenue (AnnNYC had great ideas) and maybe PM dhettish from the starting chemo in April thread--she used to work in the insurance biz and got so disgusted she went to work regulating them or something like that and she knows a lot. Her name is Debbie.
WISH you weren't having to deal with this.
Sue
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Wish,
I'm hoping and praying that you can get the insurance issue straightened out... Good Grief, I can't understand how someone at your dh's company could screw up so badly, and NOT submit the payment for the insurance premiums! I am thinking that someone else MUST have had problems getting their prescriptions filled, somewhere along the line.
OH, Shirley lives about TWO hours from Raleigh/Durham, and I live ONE hour away from Shirley!
It would be GREAT to see you, if you are ever in the area!!
Harley
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taking employees money and not paying the bill is embezzlement, at least where I come from it is. As for the phone call, just let me know I'd be happy to. My pain levels have been soaring lately so I doubt it would be a pleasant call for the person on the other end of the phone. I just can't believe of all the bills they could let slip insurance would be one of them. If I were you I would start checking into everything else that is withheld from the paycheck. Have they deposited your taxes federal and state? Do you deposit money into a 401K or any kind of retirement account? When companies start feeling the pinch they let these things slide and you most likely won't ever see that money returned. So if I were you I would start looking at things very closely!
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LuAnn has good advice -- I was thinking something similar. This company is clearly not overly solvent...
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Wish - thinking of you and your incredible suckage going on right now. I must say I am really proud of our bc sisters rising to the occasion with wise counsel - whether about insurance, mortgages, offering a verandah, overnight deliveries, a righteously nasty phone call, concern about possible further embezzlement of funds, etc :::sniff::: I love you guyz0
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I've been gone so long and haven't caught up with everybody. But, Wish, I've read some of your IOS's. Oh my goodness, I'm having heart palps for you! Insurance is critical, CRITICAL, in our cases. I'm a little suspicious like LuAnn and AnnNYC mentioned...the company may be in trouble and using your money. They could get their butts busted! I am so sorry you are going through this. BTW, I don't know if you got those papers off about your house. I haven't read ALL the posts yet.
Diane, your insurance still won't pay for your Xeloda?
DebC, I read your post where you're double vision is getting better. So, so sorry you are going through all those spinal taps! And so much chemo.
Harley, saw you had to work a full day. Hope you're not too worn out.
Okay, so I skimmed the pages. My dd and gks left yesterday around noon. I was pooped. I felt like a yo-yo...up and down, up and down. But I enjoyed them.
I'm going to hit the sack. I don't know WTH I'm doing up. It's almost 2 am. Nite every one.
Shirley
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High everyone...a big THAT sucks to all...especially you wish! I've been following but have not had much time of late...so I hate to come and post my IOS but I'm stressed and pissed that I just have to put it out there so I can hopefully let it go for now and get my work done!!
I found a lump in my breast yesterday ~ all I can think is WTF??????? 1st, I'm not even done chemo yet. 2nd, should I be able to get one this soon after reconstruction? 3rd WTF????
It's in the same location as my first, it's painful as crap (whereas all the rest of my breast tissue has no feeling from the reconstruction) and it's a pretty damn good size. I haven't been looking for them because hellooooo, I'm doing chemo ~ who'd a thought you could get a lump while you were being poisoned on a weekly basis.
So, of course my brain is doing the Dr. Jeckyl / Mr. Hyde thing...stay positive/what if the chemo isn't working. Don't obsess/can cancer come back that quick. It could be anything/then why does it hurt?
UGH...I'm going to get fired if I don't find something else to say besides WTF????
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Bonnie - here's hoping it's just something hideously normal.
Let us know what your onc says.
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Fly - I have no experience in this particular area (not yet anyway!), but I'm hoping it some funky thing as a result of the surgery and nothing more. And WTF works for me!
Wish - Insurance mania sucks, and insurance mania caused by someone else lying/stealing/cheating is even worse. I think there are few things more revolting than a lack of personal integrity, may that evil man get a whopper of a karma payback!
Everyone else, my gripe today is that my head is itching and itching and itching again, which is of course bringing right back to the disgusting head lice while undergoing radiation to my ear incident this spring. OK, so I actually never had lice (my son did, and one treatment and one middle of the night buzz cut from mommy later, it was totally gone), but that fact didn't stop my head from itching for weeks back then, and doesn't seem to be curbing the itching at all now either. Oh, and I think I have bats in my attic again. I am just a hotbed of revolting pests!
I apologize to anyone that is now scratching their head!
Colleen
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Bonnie,
I had a lump near my mastectomy scar that formed during chemo. My onc sent me to my BS and she removed it in her office. As soon as she saw it, she said it was fatty necrosis, but she sent it off for a path report, as well. She was right.
You're right.... most likely it is not cancer. Hopefully you get a definitive answer soon.
Miss S
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Bonnie,
I haven't had any experience with your problem, but it makes sense that it is something that came about as a result of the surgery... try not to worry, hon.
Not much to report here, except that I have to work THREE days in a row, and it is starting to get old, and this is only DAY 1!
Oh, and I bought some Quaker cinnamon swirl oatmeal, instant, and the package reads...
"CONTAINS SOY" WTF??? Is there ANYTHING that doesn't have SOY in it?Harley
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Hugs Bonnie -- a lump and all the worry and fear that comes with it. Please let us know ASAP that you have gotten an "all clear" on it. Dang, crap, ewwwwww -- SUCKINESS !!!!!!!!
Wish: The Patient ADvocate Foundation, a non profit agency for PATIENTS with health insurance problems: 1 - 800- 532-5274. They helped me get a new insurance AFTER my first one decided they were only going to pay the exact amount I had paid in premiums for the year... LONG story, but I do have a new insurance now - even with diagnosis of b/c -- costs a bit more per month, but they cover ALL with minimum co pay. I know I am fortunate to be able to afford my own, individual policy, since I am a widow and not old enough for medicare yet. My Rx are a maximum of $ 30 also - the first insurance SUCKED big time for Rx... another long story. And had to do the phone thing back and forth for approval, etc.
Insurance companies rank up there with the worst of the worst, in MY opinion. Some idiot clerk decides if something is covered or not, with not one ouch of medical background or half an ounce of common sense brain cells. Example, the first insurance would cover the surgeon for the port, but not the port itself... duh.... why cut me open and not put it it???? or is it just me? I could go on and on, but all has worked out good for me and I am keeping all body parts I can crossed that all goes well for you. There was one side effect: cauliflower ear from being on the phone for hours.....
Go give a very loud: THAT SUCKS at the top of your lungs. Stomp, throw something -- ice cubes at brick wall but wear eye protection, punch a pillow, and eat chocolate if you are able to. I really need a good substitute for choc, since I am allergic... and also to strawberries. That is MY IOS for today...
Tx # 3 of taxol and herceptin tomorrow and I am drinking and peeing and drinking and peeing -- gotta keep the fluids flowing !!! HUGS for all, Nancy
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I just want to say I feel everyone's pain with insurance companies. I had to fight with my insurance company last year for 6 months to pay for the plastic surgeon bill for sewing the Alloderm in place during my recon, they paid for the Alloderm on the hospital bill.
My ISO for the day is I woke up this morning at 1:30 hearing rain pouring out from the clogged gutters on the front porch due to the reminant of TS Faye coming through the Carolinas. What makes it an ISO? I asked my dh last fall after the leaves fell off the pin oak trees to clean the gutters out, we have been in drought conditions for 2 yrs with short showers no long steady rains. He is a long haul trucker so when he is not home I have to do it myself. I got up at 5:30, the rain had stopped for now and put the too short ladder up against the side of the house and reached over the eave to pull the leaves and branches out of the top of the down spout to allow any additional rain to hopefully filter down the spout where it belongs. Before we married, I was in the house for 8 yrs as a single parent and put some plastic mesh gutter block on that particular gutter to prevent the leaves from the large trees in the front yard from cloging the gutters and he removed it saying it was not necessary he would clean the gutters out every fall. Yeah - right! They are calling for more rain over the next 2 days and he won't be home until Saturday.
Sheila
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Ooh, Sheila, I would be mad, too! Maybe you should put the plastic mesh back in! And wait to see just when your dh notices!
Bonnie -- hugs and fingers crossed -- hope your docs give you the all-clear soon.
Shirley -- hope you had a good night's sleep and are all rested up.
Harley -- work can certainly SUCK!
Colleen -- I know the hell of the itchy head -- my son had one lice episode 20 years ago, and I can STILL feel the itchiness I felt at the time -- and I don't think I ever even had the critters myself, either!
Take care all -- Jane, fingers crossed for you, too!
Ann
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Wish, you have way too much on your plate now and that really sucks. I do hope you have someone at your husband's company that you can stay in contact with to make sure this gets resolved. My husband owns a small company and his insurance premiums for 7 employees and 2 spouses is $4600 a month! Now my husband pays 100% for all coverage of employees and spouses. You won't find a better company in a poor community like ours. It sounds like the business may be in trouble and just decided to cut out insurance. How stable is this company? In this poor economy, they may be going downhill. Sorry to scare you but that is what happens when a small company starts to get into trouble. They stop paying all bills except payroll. I do wish I was there with you to give you a big hug.
If it were me, I would contact the insurance agent your company uses. They usually go through a broker. Ask them if the company has contacted them and what will it take to get the insurance back on without a break in the coverage. They may not talk to you but you can try. As for individiual insurance, Farm Bureau sells BCBS in rural areas and they sell insurance as a cooperative so you get group rates for individual insurance.
My suckiness is so minor but it still scares me. I discovered a leak in our roof on an addition we had put up 3 years ago. It is not at the seam and the roof looks fine. Damn, I hate water damage......ruins a house. Because I don't work, my husband expects me to take care of everything. The guys I usually call, I can't call because they were to build a deck on the back part of our house and I went with someone who was $300 cheaper. I am going to call him and see if he can take a look. Then there is a leak under the bathroom sink my husband told me he fixed. I put a dishtowel under there and had not checked in for several months. Well the towel was soaked and covered with mildew. So...now we may have to tear out the entire vanity. I had budgeted $5000 for repairs to the house and already bought the supplies. Now I am going to have to scramble to save for a new vanity.
Well, let's see if I can get someone out here today to look at our problems. My house may be falling apart, but we do own it. I am so grateful for that.
Debbie
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I would put the mesh back in but he threw it away and we have been married nearly 11 years and I don't remember when he took it out. I bought the mesh at Big Lots for next to nothing but I will be making a trip to Lowes this week (pay full price) before he comes home and have him put it back in this weekend.
Sheila
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Hey everybody.....has anybody seen this? It's a Breast Cancer Treatment Profiler....??????
https://www.cancerfacts.com/Secure/InterfaceSecure.asp?CB=10
My bitch today is that the son of my ex SIL had ANOTHER crack baby!!!!!!!!!! WTF??????? What is wrong with these freaking kids today. She's 20 yrs old and smoking crack while she's pregnant. GAWD.............I just want to.....................SCREAM!!!!!!!
k. I feel better.
Debbie, I just saw your signature line and cracked up. That is awesome and should be on a t-shirt!
Hugs everybody!
Traci
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This is another pop in - I havent been around at all. Work is keeping me pretty busy. Anyways, I wanted stay a big that sucks to everyone thats needs one. With that said, Im sending a hug to everyone of you - with a big that sucks.
Yes Colleen - now Im itching.
Bonnie: About 3 months after my surgery and reconstruction, I found a lump right in the same spot where my bc lump was. It even concerned my breast surgeon. Showed up as a 1cm lump on ultrasound. On the otherhand my PS wasnt worried at all. It ended up being fat necrosis. But I sure was worried - so a big that sucks for you.
OK - its dinner time. I have to run, dont want ya all to forget me. Come Friday, I will be off for a whole week!
Nicki - aka chemosabi
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Hi to all, I have been away for awhile and have not had time to catch up. I hope to over the next few days. Well my IOS is that while I was away last weekend I came down with a cold and it is really wiping me out. Okay that is all I have for now. Check in later, when I can whine some more.
(((((HUGS))))) to everyone that needs it.
Cheryl
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OMG......................does anybody want a Tuxedo Scottish Flop kitten? My legs and arms can't take it anymore! I look like a "cutter". I'm standing at my bathroom mirror, minding my own business, trying to make some sense of what used to be my hair....and all of the sudden, this sweet little kitty is holding onto my leg for dear life after leaping off the floor two feet away! I wish I was Harley, or Deb, or gsg, or Nikki, or Debbie, or Sherri, or any of you other gals who are comedians to make it sound funny so I could laugh!!! WTF?
I think I got a possessed cat! My poor cat Dallas hates me now! She used to sleep with me in the bed but now, she has blind spots over her eyes cuz her hair is either being pulled out by kitty teeth or the stress is causing it to fall out.
I can't have the kitty declawed for another month and I don't know if my other cat is going to survive. I went in my bedroom tonite and she was sitting on top of my dresser! OMG....she (the elder) just jumped up on my desk where I'm here online, for refuge!!! Poor thing....
In the really IOS department....we haven't heard from DebC (unless I missed it) and, this "lump" in my arm pit I swear, is getting harder. Gawd...................this crap sucks!
And, I've gained 30 lbs and an ex is coming to visit 9/4. I'm mortified to see him. We go back 20+ years......I am freaking about him seeing me so "un----together". I hate the way I look right now.
Hugs everybody, Who said "**sniff** I luv u guys"? That was awesome.
Traci
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Awwwwwww {{{{Traci}}}} Some kitties just don't get along, especially when an older one is intro'd to a baby! I remember well, when my bf at the time took my kitty home while I recouped from an auto accident. Same thing. Only it was with the guys at his house. They'd be leaning over the sink shaving and this cat would literally, climb their backs and they'd be dancing around trying to detached her from their backs, all the while this cats claws were getting deeper and deeper into thier skin! Oh my! The pain I'm sure!
I don't think declawing is going to help the cats disposition. Have you tried to use a water gun to keep her from attacking you or the elder kitty? Or separating them and only letting it out when you are there to protect the elder kitty? How old is it?
You ladies with lumps, bumps and pains that are scaring you, I'm so sorry! I remember well, while in chemo feeling a lump in the other breast, but kept thinking, they'd done the mammo, us and MRI before the other side mast, so it couldn't be anything. THen through chemo thinking, it would shrink if it were cancer, right? FInally at my post tx appt, I talked to the doc, they did a mammo and u/s and said it was a ridge. Still not confident with that, b/c it's on the right breast at about 10oclock, not under the breast, where I thought ridges were. Now that spot and another another have been painful, not bad, but tender to palpate. I can't be hormonal, b/c I'm supposed to post meno from chemo and I'm arimidex, so what is that all about? I swear, this stuff drives us off the deep end some days! Just a little push and we'd be freefalling
Ladies, I'm so tired after a long 34 with dh home. I read your posts about my ins deal and I'll reread in the morning, when I'm fresh and answer them. Still no word on the insurance
Sh*tty man who runs the company is not a nice man in my world...at allllll. Night and hope everyone sleep really well and wakes without the fears, pains and ios that have plagued us all for ever
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