In early Jan I realised against all odds I wasn't going to be able to make my Chase card payment. (My wifes real sick and I've had to care for her almost 24/7). Thank goodness I paid for the insurance eh?
So I rang them and explained, they (well, she) checked my protection plan and liability, told me I qualified and put me on to the payment protection division. They (well, he) checked my protection plan, liability and told me I qualified and I'd hear in 7-10 days.
On Feb 21st I received a letter (dated Feb 14th) denying my claim and asking me to call Chase card services, I called payment protection first and was told it's Chases policy, not theirs; they're a seperate entity so I called Chase.
"Sorry buddy, Cards over the limit, Can't allow payment protection insurance to help you out with outstanding payments and protect you if the cards over the limit even though you've paid for it". I was told. (This apparently is corporate policy but in all the correspondance I've had I can't find any mention of it).
In the latest letter from Carter Franke, (Chase's Chief Marketing Officer) It states "Your Chase payment protector revised plan" and is promoted as Good News to be shared. (If it's my "Chase revised plan" then where does the seperate entity come in)? Increased benefits for a modest increase of 10c per $100.00 (this equates to a 12.685% increase) with a tiny footnote that advises that you can't have the enhancements if your account isnt in good standing.
I paid for the insurance, it's there to help in times of difficulty and I think my wife dying qualifies as such. If the account was in good standing I wouldn't need the insurance would I? I was offered a "flex plan", reduced payments etc but still payments. I've already paid for the benefit of not having to pay. If I was advised correctly regarding the over the limit policy I might have been able to do something about it. 6 weeks and two more bills later however, no chance.
Even so to deny your clients the sole service you offer and that they're paying for is reprehensible. More so when I check my statements and see the Payment Protection fee is still being charged to my account!!! Now thats Balls in my book. Grand cojones. Tell your client to get lost and carry on charging them for the sole service your in business for and refusing to provide!!!
Must get me one of those businesses. "Thanks for your money, What do you mean you want something for it"?
The fact that Two further billing cycles had passed since my origional request (when I was told twice that I qualified for the insurance) seems irrelevant. I've spent god knows how many hours on the telephone trying to resolve this, I've spoken to everyone I can think of to speak to. I give up. Sue me, I promise I'll pay. As soon as you do.
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