razr Posted September 25, 2007 Report Share Posted September 25, 2007 I've been off from work because I had some minor surgery on my hand (That short term disability has really paid off). So, I thought "Great, I can clean the house and do some minor repairs it should be a great week." Then for some reason I thought "Hey I'll go down to the dojo and dislocate a rib." Yep, that's what I did. Most freaking painful thing ever. 5 freaking hours in the ER, then back to the docs on Monday to get the rib manipulated back into place (Holy f%#k did that hurt!). Anyhow, I've been pretty much sitting around watching TV and floating around on the boards. I'm completely high because of the heavy narcotics, so ya'all can ignore an advice I've given in the past couple of days...I went on an application spree a few months ago, so I've been waiting for my scores to creep up a bit. But somehow in my state of happiness I applied for some other stuff. This is what happened today:1) A few days ago CapOne sent me a pre-approved offer for 0% balance transfer for 12 months. I thought WTHeck and applied. They approved and gave me a $15K limit!2) I've had three Orchard Bank cards for years (all with $300 limits), Orchard said they would consolidate the cards to one. However, every time I fill out the forms, they never get back to me. They sent me the form three times. I filled it out. When I call, I get someone in India that has no idea about anything. I logged onto my Orchard account today, and was shocked to see I have $8622.00 in available credit! The gave me a $9K limit on one card and consolidated whatever I owe them. They didn't close the other two cards tho.3) I had a hospital bill that fell through the cracks. It was only $60 that the insurance didn't cover. I however, never paid it (my bad) and it went to a local collection agency. As soon as I got the initial dunning letter, I called the hospital and paid the bill. They sent me a nice thank you note and told me they would recall the debt from the CA. CA never responds to my DV, reports to the CRAs. Then they called me. I of course, mostly made fun of them. The woman who called me had really bad grammar and I kept correcting her. It was funny. I really annoyed her. My favorite was "Do you have me on speaker phone?!" "Yes." "You need to take me off speaker phone!" "No, I won't be able to record the call if I do that." They passed me around to three different collectors, whom I abused. They told me they were gonna' call me every day and keep reporting to the CRAs and take me to court. It was funny. So I waited a while and took a few more phone calls from them. Then I sent them and ITS letter along with a complaint written on their local courts official forms...indicating that I was gonna' sue for $8K (the max in small claims)...so in mail today comes a hand written apology from the president of the collection company, a check for $300 and a promise to remove the info from the CRAs.I was a good day! I'm coming of my high now. I gotta' go throw up. blah.-r Link to comment Share on other sites More sharing options...
zfire Posted September 25, 2007 Report Share Posted September 25, 2007 And also, thank you for entertaining me. :):)I really enjoyed reading ALL of your post. The great new TL's Plus a check. What a deal.Z Link to comment Share on other sites More sharing options...
rmuse00 Posted September 25, 2007 Report Share Posted September 25, 2007 Good for you! And THIS is why I'm paying the hospital collection that just popped up on my CR. If I pay directly to the hospital how could the CA report the paid collection if I did not pay the CA? I know it might not always work but it is worth a shot. Link to comment Share on other sites More sharing options...
whocares Posted September 25, 2007 Report Share Posted September 25, 2007 Excellent Cap1 account, parties at your house tonight???And Orchard fixed your accounts...Great I'm going to cancel with them at the end of the yearAnd a CA apologized...whoo hooo I'll bring chips to the party!!!Congrats to you Link to comment Share on other sites More sharing options...
Nascar3 Posted September 26, 2007 Report Share Posted September 26, 2007 Way to go razr! Link to comment Share on other sites More sharing options...
Freak Posted September 26, 2007 Report Share Posted September 26, 2007 I want whatever he's got! Link to comment Share on other sites More sharing options...
debtmamma Posted September 26, 2007 Report Share Posted September 26, 2007 congratulations!!! Link to comment Share on other sites More sharing options...
razr Posted September 26, 2007 Author Report Share Posted September 26, 2007 Thanks all, I'm feeling much better today. Take your narcotics with beer, makes ya' sleep like a baby.-r Link to comment Share on other sites More sharing options...
CleverCynic Posted September 27, 2007 Report Share Posted September 27, 2007 enjoy the constipation too lol...Yeah, uhh.. we don't really recommend that particular combo! (respiratory depression is the main concern) Link to comment Share on other sites More sharing options...
Longshot Posted September 27, 2007 Report Share Posted September 27, 2007 Wow, great job. Way to go. Take it easy while you are healing. I've had bruised ribs before and I know how painfull those were. I can't even imagine a dislocated rib. Ouch. Get lots of rest. Link to comment Share on other sites More sharing options...
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