HSBC - Best Buy
Disability Claim on Debt Cancellation Denied After 180 Days

I have had some bad luck and had to have multiple back surgeries starting from Feb 08 and through Jan 09. I don't pay the bills my wife does so to help out I would help her. Money is tight so I was trying to look at each bill.
I was looking at my bestbuy bill and saw a debt cancellation charge. I didn't know what it was so I called and asked She said that it was for disability insurance I asked why it was on the bill we did not ask for it and never have. She couldn't tell me. So I was glad it was there because of my problem.
So I told her I was disabled and wanted to file a claim. She sent me the packet and filled it out. I have been disabled by doctors and sent the reports. I sent the packet and about 6 weeks later I received a letter saying that I was denied. I called them and asked why. They told me that I had to report being disabled within 180 days. What a bunch of CRAP!!! The cost of insurance was 10% of the bill each month an average of $4000.00. The bill is around $4500.00 so now they won't HONOR the debt cancellation which I was billed for. So I didn't ask for it but paid for it and when I need it and I paid for it they won't give it to me. PS I also paid on line and paid for two months which you can do and pay for it by the month so I paid for July and August marking each month $450.00 each month thinking I had paid for each month in August I received a call saying I need to pay August. I told them I did pay and sent $900.00 in July for both months he said that they applied it to principal and I was late for August and had to pay it plus a late charge. If I could pay them off I would. My self and anybody that will listen I will not ever BUY anything from BEST RIP OFF COMPANY. Ever again!!! And I will always check my bills. Fuc! Me once shame on you / fuc! Me twice shame on me

Company: HSBC - Best Buy
Country: USA
State: New Jersey
City: Bridgewater
Address: 200 Sommerset Corporate Blvd
Phone: 8003706346

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