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Mon Aug 8, 2022, 02:33 PM

My psychiatrist said this morning to stop beating myself up

I told him about the car accident. I found out my deductible is $500. I'm not fixing the scrape on my car. So, making sure I didn't cancel the lady's claim, I canceled my collision appointment. Thats half a month's rent.

No word on getting the cobra check returned. Although they call themselves "customer centric" the COBRA company is not easy. You get sent from person to person, having to explain your tale to five different people. The reps attitude was that's kinda customers' tough luck. He's supposed to email me.

I got a letter from the PO that I have Informed Delivery. My two, one accidental accounts online say I don't. I should never have bothered signing up. I get the mail I get.

I just want to make sure nothing interferes woih my mail delivery.

16 replies, 1180 views

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Arrow 16 replies Author Time Post
Reply My psychiatrist said this morning to stop beating myself up (Original post)
XanaDUer2 Aug 2022 OP
Walleye Aug 2022 #1
XanaDUer2 Aug 2022 #2
Scrivener7 Aug 2022 #7
Walleye Aug 2022 #8
Scrivener7 Aug 2022 #9
Walleye Aug 2022 #10
drray23 Aug 2022 #3
Freddie Aug 2022 #4
XanaDUer2 Aug 2022 #6
XanaDUer2 Aug 2022 #5
SheltieLover Aug 2022 #11
XanaDUer2 Aug 2022 #12
SheltieLover Aug 2022 #14
XanaDUer2 Aug 2022 #15
SheltieLover Aug 2022 #16
XanaDUer2 Aug 2022 #13

Response to XanaDUer2 (Original post)

Mon Aug 8, 2022, 02:35 PM

1. Myself, when I get in a mental loop, and can't stop dwelling on things. I sometimes just say stop it

Out loud as a reminder to myself. It works sometimes

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Response to Walleye (Reply #1)

Mon Aug 8, 2022, 02:36 PM

2. Good idea

I should say it aloud

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Response to Walleye (Reply #1)

Mon Aug 8, 2022, 03:42 PM

7. Ashwaghanda works for me in that situation. Makes the gerbil brain just stop.

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Response to Scrivener7 (Reply #7)

Mon Aug 8, 2022, 03:43 PM

8. That's good too, a code word

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Response to Walleye (Reply #8)

Mon Aug 8, 2022, 03:45 PM

9. No! It's an over the counter herbal supplement. It calms you down.

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Response to Scrivener7 (Reply #9)

Mon Aug 8, 2022, 03:46 PM

10. Oh thanks for the info I'll look into it

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Response to XanaDUer2 (Original post)

Mon Aug 8, 2022, 02:48 PM

3. I saw in another thread you had to make a quick payment

to cobra because of that check that they had not received.

If you have confirmed they did get paid, just call your bank with the check number and tell them to cancel it because it's lost.

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Response to drray23 (Reply #3)

Mon Aug 8, 2022, 02:55 PM

4. Call your bank and do a stop payment on that check

Might cost a little (my bank is $35) but worth it.

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Response to Freddie (Reply #4)

Mon Aug 8, 2022, 03:00 PM

6. They cashed it right before I canceled it

Thinking it was lost. 31 bucks. Once I see it clear, I'll call the bank. I did call the COBRA company to tell them I paid online, and the check was canceled. They said, No problem, we'll note that and destroy the check. No one noted it. I feel like nothing I do smooths things over, no matter what due diligence something screws up

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Response to drray23 (Reply #3)

Mon Aug 8, 2022, 02:55 PM

5. Believe it or not

ey cashed the check and hour before it was canceled. I spoke to a rep about getting that money reimbursed, and he wasn't thrilled. He's supposed to email me after talking to "finance" that check has been applied to September's payment.

Which is where I want to leave it. Too much hassle and difficulty. I'm only paying online FHOO. NEVER going through this PO delivery stress again.

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Response to XanaDUer2 (Original post)

Mon Aug 8, 2022, 04:33 PM

11. I would reschedule collision appt

Depending on your ins, they might issue you a check for anything in excess of $500 and, if other driver was at fault, your ins should make them pay all of it.

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Response to SheltieLover (Reply #11)

Mon Aug 8, 2022, 04:40 PM

12. I was totally at fault

I was squishing into a space too small

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Response to XanaDUer2 (Reply #12)

Mon Aug 8, 2022, 06:25 PM

14. Well, a claim could cause rate to increase, but

If damage was over $500, they might just cut you a check.

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Response to SheltieLover (Reply #14)

Mon Aug 8, 2022, 06:33 PM

15. Thanks!

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Response to XanaDUer2 (Reply #15)

Mon Aug 8, 2022, 06:35 PM

16. Yw

What might look like minor damags to you could actually be quite a significant amount of work.

Just something to consider.

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Response to XanaDUer2 (Original post)

Mon Aug 8, 2022, 05:47 PM

13. According tobank

Cobra check WAS canceled, so it "bounced". No idea wtf is going on

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