MBNA was the original name of my account... I deposited a loan of $5000 to help me pay off 2 of my credit cards... After I PAYED OFF the two credit cards I began to pay MBNA back $107 monthly we were doing well in paying off our debt until August... My husband and I just had a baby boy in July we couldn't have been happier and everything was going really well until we brought our son home from the hospital. After a couple of days he just began projectal vomitting. We had no clue as to why went from dr to dr formula to you name it. He drank it acid reflux medicine you name it. We bought it as all this is going on, we're still paying down our credit cards. So far we not drowning in debt but getting are feet wet. So after all this back and forth to dr's 25 dollars for co-payments up to 20.00 per bottle of neutramagem per can, we were starting to get nervous already but still managed to do what we had to do to feed our child and take care of him medically, but he was still vomitting even after all the medicine and changes in formula...
At this point as a parent your main priority is ofcourse your child... So we finally took our son to a specialist and she tested him to see if maybe he has allergies and ofcourse he does he's allergic to molk, milk protiens and soy... So now what, well they put him on this formula called Neocate the Dr said thats the only thing he could drink. Well I was so happy that they had something for him but the down fall and the financial drowning begins here, just go on the web site to see how much this formula cost and guess what our insurance company doesn't cover, it so for a family of four with only 600 per week coming in how could we do this and unfortunately we had to stop paying all our bills. We were litteraly living pay check to pay check side jobs galore and God only knows how we managed to feed, dress, and live for we were not used to this struggling and my poor daughter who was seven at the time didn't understand why we couldn't go anywhere, buy anything and had to eat pasta all the time...
But wait it gets worst I also have my daughter's Commmunion coming up and what do we do... We had to cancell her party and guess what no deposit comes back to us... And that same day was her reconciliation and right after that we go back to the house feed our son his first jar of baby food and 10 minutes later his face blows up like a balooon and he starts making choking noises. We all paniced ran to the ER and thank God we arrived when we did... He was having a severe allergic reaction to the whey in the food... We almost lost him that day May 10 I'll never forget that feeling ever. Thank God again He's still here with us...
So after that we had to get an eppy pen Guess what thats not covered by my insurance either. So $300.00 later and definetly worth it digging ourselves into further financial distress still doing waht we have to... Just to survive. Now our son develops a bad rash through out his whole body back to the dr's. This time the dermatologist he found that my son has atopic dermititis and sever exima by this point I'm drained and just want my son to be healthy, so now to put the icing on the cake.
He now needs all these special creams which again are not covered by my insurance so $75.00 later further in debt... We're emotionally drained and heart broken over our son want him to just be healthy and happy... And the bills just keep on growing. All the money that we paid into our accounts are now more then the original debt and can not pay a penny, we can't even afford to go bankrupt...
So now all our original accounts are with collection agencies and we called credit sollutions to try and stop some of the intimitating phone calls and they were able to help with some except for the MBNA account which is now Bank of America Who's collection agency is GC SERVICES LIMITED PARTNERSHIP COLLECTION AGGENCY DIVISION and we now owe them $5559.96
The first time they called me I told them exactly everything I just shared with you in this review about my son but with more emotion tears were uncontrollable and my heart was broken to hear the way they responded to my worst experience in my life without a care in the world they proceeded to say they needed the money in 48 hours and didn't care about me not having the money told me I should give my son up for adoption or better yet sell him or even sell my body give my neighbor a BJ... I was never more insulted in my life I don't know why I didn't hang up on them but I didn't I told them that I had given power of attorny to Credit Solutions and if they had anything else to add to please address them and instead of me hanging up on them, they hung up on me... But to add insult to injury they called my mother and father-in-law trying to get money out of them because my husband and his father share the same name and believe it or not the same birthday... My father -in law is 84 years old and they told him that his son took out a loan in his name and that if he doesn't pay it back they are going to press charges against his son... And to top it all off the also called my husband's Sister and told her the same story that they told his father and also asked her for the money... Until today and I'm sure tommorrow they call and Harrass my in-laws and my self more then 10 messagges per day on all of our answering machines and now my whole family knows our business and ofcourse know one is able to help us... I just don't know what to do anymore my heart is shattered into a million pieces and I'm afraid to answer my phone... Please help...
Jo
Staten Island, New York
U.S.A.
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