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Mon Aug 8, 2022, 03:33 PM

XanaDUer2 (7,464 posts)

My psychiatrist said this morning to stop beating myself up

I told him about the car accident. I found out my deductible is $500. I'm not fixing the scrape on my car. So, making sure I didn't cancel the lady's claim, I canceled my collision appointment. Thats half a month's rent.

No word on getting the cobra check returned. Although they call themselves "customer centric" the COBRA company is not easy. You get sent from person to person, having to explain your tale to five different people. The reps attitude was that's kinda customers' tough luck. He's supposed to email me.

I got a letter from the PO that I have Informed Delivery. My two, one accidental accounts online say I don't. I should never have bothered signing up. I get the mail I get.

I just want to make sure nothing interferes woih my mail delivery.

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16 replies	Author	Time	Post
My psychiatrist said this morning to stop beating myself up (Original post)	XanaDUer2	Aug 2022	OP
Myself, when I get in a mental loop, and can't stop dwelling on things. I sometimes just say stop it	Walleye	Aug 2022	#1
Good idea	XanaDUer2	Aug 2022	#2
Ashwaghanda works for me in that situation. Makes the gerbil brain just stop.	Scrivener7	Aug 2022	#7
That's good too, a code word	Walleye	Aug 2022	#8
No! It's an over the counter herbal supplement. It calms you down.	Scrivener7	Aug 2022	#9
Oh thanks for the info I'll look into it	Walleye	Aug 2022	#10
I saw in another thread you had to make a quick payment	drray23	Aug 2022	#3
Call your bank and do a stop payment on that check	Freddie	Aug 2022	#4
They cashed it right before I canceled it	XanaDUer2	Aug 2022	#6
Believe it or not	XanaDUer2	Aug 2022	#5
I would reschedule collision appt	SheltieLover	Aug 2022	#11
I was totally at fault	XanaDUer2	Aug 2022	#12
Well, a claim could cause rate to increase, but	SheltieLover	Aug 2022	#14
Thanks!	XanaDUer2	Aug 2022	#15
Yw	SheltieLover	Aug 2022	#16
According tobank	XanaDUer2	Aug 2022	#13

Response to XanaDUer2 (Original post)

Mon Aug 8, 2022, 03:35 PM

Walleye (22,818 posts)

1. Myself, when I get in a mental loop, and can't stop dwelling on things. I sometimes just say stop it

Out loud as a reminder to myself. It works sometimes

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Response to Walleye (Reply #1)

Mon Aug 8, 2022, 03:36 PM

XanaDUer2 (7,464 posts)

2. Good idea

I should say it aloud

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Response to Walleye (Reply #1)

Mon Aug 8, 2022, 04:42 PM

Scrivener7 (47,353 posts)

7. Ashwaghanda works for me in that situation. Makes the gerbil brain just stop.

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Response to Scrivener7 (Reply #7)

Mon Aug 8, 2022, 04:43 PM

Walleye (22,818 posts)

8. That's good too, a code word

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Response to Walleye (Reply #8)

Mon Aug 8, 2022, 04:45 PM

Scrivener7 (47,353 posts)

9. No! It's an over the counter herbal supplement. It calms you down.

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Response to Scrivener7 (Reply #9)

Mon Aug 8, 2022, 04:46 PM

Walleye (22,818 posts)

10. Oh thanks for the info I'll look into it

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Response to XanaDUer2 (Original post)

Mon Aug 8, 2022, 03:48 PM

drray23 (6,997 posts)

3. I saw in another thread you had to make a quick payment

to cobra because of that check that they had not received.

If you have confirmed they did get paid, just call your bank with the check number and tell them to cancel it because it's lost.

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Response to drray23 (Reply #3)

Mon Aug 8, 2022, 03:55 PM

Freddie (8,716 posts)

4. Call your bank and do a stop payment on that check

Might cost a little (my bank is $35) but worth it.

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Response to Freddie (Reply #4)

Mon Aug 8, 2022, 04:00 PM

XanaDUer2 (7,464 posts)

6. They cashed it right before I canceled it

Thinking it was lost. 31 bucks. Once I see it clear, I'll call the bank. I did call the COBRA company to tell them I paid online, and the check was canceled. They said, No problem, we'll note that and destroy the check. No one noted it. I feel like nothing I do smooths things over, no matter what due diligence something screws up

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Response to drray23 (Reply #3)

Mon Aug 8, 2022, 03:55 PM

XanaDUer2 (7,464 posts)

5. Believe it or not

ey cashed the check and hour before it was canceled. I spoke to a rep about getting that money reimbursed, and he wasn't thrilled. He's supposed to email me after talking to "finance" that check has been applied to September's payment.

Which is where I want to leave it. Too much hassle and difficulty. I'm only paying online FHOO. NEVER going through this PO delivery stress again.

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Response to XanaDUer2 (Original post)

Mon Aug 8, 2022, 05:33 PM

SheltieLover (57,073 posts)

11. I would reschedule collision appt

Depending on your ins, they might issue you a check for anything in excess of $500 and, if other driver was at fault, your ins should make them pay all of it.

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Response to SheltieLover (Reply #11)

Mon Aug 8, 2022, 05:40 PM

XanaDUer2 (7,464 posts)

12. I was totally at fault

I was squishing into a space too small

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Response to XanaDUer2 (Reply #12)

Mon Aug 8, 2022, 07:25 PM

SheltieLover (57,073 posts)

14. Well, a claim could cause rate to increase, but

If damage was over $500, they might just cut you a check.

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Response to SheltieLover (Reply #14)

Mon Aug 8, 2022, 07:33 PM

XanaDUer2 (7,464 posts)

15. Thanks!

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Response to XanaDUer2 (Reply #15)

Mon Aug 8, 2022, 07:35 PM

SheltieLover (57,073 posts)

16. Yw

What might look like minor damags to you could actually be quite a significant amount of work.

Just something to consider.

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Response to XanaDUer2 (Original post)

Mon Aug 8, 2022, 06:47 PM

XanaDUer2 (7,464 posts)

13. According tobank

Cobra check WAS canceled, so it "bounced". No idea wtf is going on

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