I signed a contract online with Innovative Online Design.
Hi, I signed a contract online with Innovative Online Design. The cost for services was $6,000.00. I attempted to cancel twice within their 3 day cancellation policy. I foolishly agreed to try the program. I had 1 50 minute lesson. Long story short, the $6,000.00 charge was dropped from my credit card because they did not process it. I know I made a very large mistake but do not want to continue with them. I do not know what to do. Thank youJA: What state is this in? And when did the issue begin?Customer: The merchant is in Washington and this began on 3-15-17. I am in OregonJA: Has anything been filed or reported?Customer: The contract I signed was filed with them.JA: Anything else you want the lawyer to know before I connect you?Customer: I do not think this is a reputable business..
TERM CARE INSURANCE QUESTION: Which of our 3 strategies
LONG TERM CARE INSURANCEQUESTION: Which of our 3 strategies listed below do you think would be most likely to succeed in persuading my wife's LTC insurance company to extend to her their RECENT offer made to others? The LTC Co. offered to convert policies of her type to a PAID UP status in return for it's maximum liability being limited to premiums already paid . They have stated their PAID UP offer was mailed to policy holders on 6/17/2016 and expired on 12/25/2016. However , we did not receive it until March 9, 2017 and only when I asked why my wife's premium had increased .We no longer want to pay any more premiums for this policy . She has already paid $30,000 , and it has just increased their rates again. And, the company's pay criteria is almost impossible to meet: She would have to concurrently fail at least 2 of the 6 activities of daily living ,and continue to fail them every 12 months, or to have mentally deteriorated to the extent that she was a risk to herself or others. We great doubts she will ever receive any benefits.THREE STRATEGIES WE ARE CONSIDERING:STRATEGY 1: JUST ASKING FOR SAME DEAL OFFERED TO OTHERS . LTC CO. BENEFITS:POTENTIAL $30,000 PROFIT. It keeps my wife's $30,000, which it may never have to pay out.b. AVOID LOSING A LOT : Under my wife's present policy, the ins. co's potential liability is an unlimited dollar amount for the remainder of her lifetime .(this could be substantial based on her Dr's statement at attachment 1)c. ELIMINATE LOSING ANYTHING: Under the 6/17/2016 offer , the LTC Co's liability is limited to the $30,000 already paid by my wife.d. AVOID CLAIMS: a substantial number of claims we will be submitting because of my wife's poor physical health (see Dr. statement at attachment 1)e. AVOID SANCTIONS: Totally avoid the time and expense of responding to complaints we will make to the SC Insurance Commission , the Consumer Protective Agency and all other regulatory authorities of Bad Faith , and misrepresentation with the obvious intent of never paying any claims.To make the paperwork work, we could date and sign their paperwork to 12/25/2016 and they could keep the premiums she has paid since 12/25/2016 as an extension fee.STRATEGY 2: FULL REFUND OF $30,000 MY WIFE HAS PAID BASED ON THEIR AGENT AND THE LTC CO'S BAD FAITH :AGENT a). Since he sold us this policy in 2000, their agent who has been receiving renewal commissions for over 16 years , has never contacted us once. b). Out of desperation ,when my wife was really having serious health issues in 2015 as described in attachment 1, I called the agent him to ask for help and answers to questions. He said he was retired and no longer had our files , and best thing to do was call the company. c). After this disheartening discussion, I noticed that even the LTC company had stopped copying him on correspondence to us in 2007. d). The same agent used high pressure tactics when he sold us her policy stating without his policy when she got old our children would have to take care of us. e. Upon receiving my call for help in 2015, and realizing he couldn't help my wife, it is apparent he didn't ask the LTC company to assign a new agent to my wife, otherwise we would have been told by the LTC Co and the new agent would have contacted us. .BAD FAITH LTC COMPANY:a)NO ACTION TO INSURE POLICYHOLDERS ARE BEING SERVICED BY AN ACTIVE AGENT: After their agent retired ,which the company knew about as it stopped sending him correspondence copies , it took no action to assign my wife with a new agent after it stopped sending him correspondence copies in 2007. Had a new agent been assigned this new agent would certainly have alerted my wife to the LTC Co's 6/17/2016 letter containing its very important and valuable offer it was making to her in time for her to take advantage of it's very valuable offer. .B) LTC CO MADE IT DIFFICULT FOR POLICY HOLDERS TO *****: After the completely unsatisfactory response from their self proclaimed retired agent, who didn't want to be bothered, in desperation I sent the LTC Company , Great American, the letter at attachment 2. to the address shown on my wife's policy. It was returned as undeliverable. The Post Office note on the envelop stated " no such number -unable to forward ". It is evident that Great American has felt it wasn't important to keep their forwarding address up to date, otherwise policy holders might send them a letter. I count 4 address changes. Nor, even to keep policy holders up to date as to which insurance company now owned their policy: First it was Great American , then it was United Teachers, then we get a privacy notice from Continental Insurance . It was only by calling the telephone # on the privacy notice that I was eventually to track down someone who could explain why the bank draft for my wife's LTC premium had increasedC) LTC CO DID NOT WANT TO PROVIDE THE FREE ADVISORY SERVICES PROMISED IN THEIR POLICY: In my 4/20/2015 letter to Great American my wife's LTC Co, (which was returned) , I asked for a new agent for her, and that they assign her with a care advisor to help identify her specific needs and services and programs in our area that could best meet her needs. Their policy promises they will pay 100% of the cost for this service with no elimination period required.As described in the statement from my wife's Doctor at attachment 1 ,this advisory service would have been a tremendous help to her. It still be now, but this LTC CO is not sincere ,not reachable and to difficult to deal with.STRATEGY 3: $120,000 IN DAMAGES: After 17 years of collecting $30,000 in premiums from my wife ,without providing any service whatsoever or paying any claims, my wife's health has deteriorated and she is now un-insurable. Since she can be expected to stay a minimum of 3 years in an assisted living facility or nursery home at a present annual cost of at least $40,000 , without any trustworthy LTC insurance, she will have to bear this cost with her personal funds. To compensate her for this unjustified expense, we are requesting damages in the amount of $120,000.Which strategy 1,2 OR 3 would be most likely to be successful. Any advice would be most appreciated.Dick Daeger