LTD Financial Services, LP Debt Collectors Consumers Beware
Consumer beware. LTD Financial Services, LP is a debt collection company that appears to harass and use abusive collection tactics on consumers whether they owe a debt or not. One of our UCAN senior members was a victim of this practice. Our Chinese senior complainant was called incessantly and neighbors and family members were called to try to humiliate her into paying this debt. Read More!
UCAN Stands Firm Against Anthem/Blue Cross and United Healthcare Demands For Employee's SSN
Recently, UCAN stood its ground against Anthem/Blue Cross and United Healthcare when each company, allegedly based on Medicare (Section 111) reporting requirements, demanded the social security numbers (SSNs) of all applicants in order to offer UCAN employees group health insurance coverage.
In response to UCAN's inquiry, the Centers for Medicare and Medicaid Services (CMS) replied, "some insurers are insisting that they get the SSNs of everyone they may be covering, and sometimes they say they must do so because of the Section 111 reporting requirements.
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Any message to you stating or implying that you must provide your SSN because of the new Section 111 reporting requirements is not accurate."
Both companies backed down and provided coverage without the employee's SSN after seeing the message from CMS.
2010: Understanding the new Credit Card Rules
Starting February 24, 2010, a number of changes in credit card issuer practices took effect. Some of them are fairly well known by now. Some aren't. An exploration of the provisions of the Credit CARD Act that no one is talking about could have a bigger impact on consumers than the more popular parts.
The Silence of the Hams - why the silence of the University of Chicago?
We must ask the question: Why the silence of the University of Chicago? Yes, Good Morning America's annual boycotting of UCAN's annual Big Oil Hog event is predictable, but the stewards of the "Chicago School" of econmics are notable in their lack of commentary on the the Big Oil Hog's amazing predictions. Could it be academic jealousy of the predictions made by the ultimate capitalist swine? More.
Only 363 shopping days until "UCAN DAY" 2011
Finally, an important body of elected officials has named January 26 as UCAN DAY. It's good news, but this vital question remains: "what next?" How shall we mark this seminal event? How can all of us share, and experience the miracle of UCAN DAY? Perhaps, we suggest, it is time to invent some new traditions.
Banks not complying with Credit CARD Act, still raising interest rates
The Credit CARD Act, signed into law in May 2009 has been a source of contention since approval. The prevailing opinion is that the financial institutions that issue credit cards have been raising rates, slashing credit limits, adding fees, removing benefits, and canceling cards outright all ahead of the February implementation date of the Act.
Is every credit card company engaging in this conduct? Having any of them started to comply with the requirements of the Credit CARD Act? Is every card available being impacted?
Consumers denied loan for disputing inaccurate information on credit reports
A Fannie Mae policy puts consumers in a Catch 22. They have to dispute inaccurate information on their credit reports to qualify for loans, but those disputes could be the grounds on which a loan is denied.
Does the Fair Credit Reporting Act apply to Equifax's National Consumer Telecom and Utility Exchange?
Telecom and utility companies use the National Consumers Telecom & Utilities Exchange (NCTUE), a members-only, unique Equifax database to review consumer credit history. The question remains whether the Fair Credit Reporting Act applies to the NCTUE and what information consumers should be able to obtain about themselves.
Senator moves to impose immediate freeze on credit card interest rates
Senator Dodd is pushing back at the Credit Card companies for forcing interest rate hikes and dropping credit limits on consumers. The question remains whether Congress will follow through.
Is one-time Social Security payment a good idea?
President Obama has proposed a one-time, tax-free payment of $250 for Social Security recipients in 2010 because they will not be receiving a cost-of-living adjustment because of the state of the economy. Is this a good idea?
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