I first obtained my "Orchard Bank" credit card in 2002 with a $3000 limit.. In 2003 I was called by Account Secure Plus, representing Orchard Bank and was offerd this credit card protection if I become permanently disabled. They charge $22.00 per month for this service and after a long time of declining, I somehow agreed to it.
Sometime later I was injured and after two years of probing and tests, in 2006 I was placed on permanent disability & SSD. I contaccted Account Secure Plus within a couple weeks and they sent me a lenghty form to fill out. I filled it out and returned it to them. A month later I received a letter from them stating my case had been closed because they never received my paperwork. I followed up and they said I only had 45 days to request to open a claim in which I told them I had. Their response was too bad, they conveniently didn't recceive it and that was that.
Three years later I am still being charged $22.00 a month for a disability plan that will never pay and everytime I contact them they tell me to send any confirmation of disability to them. I send it and followup to the same story, we are sorry but your paperwork was not received within 45 days. I call and state how can you not only pay up, but continue to charge me for a plan that will not pay. They all say the same thing, "I wish I could help you".
I have followed up with the BBB, an attorney who wants to charge me more than is owed on the card ($2,600) and finally I have submitted it to the Federal Trade Commission and waiting their response.
This is shameful of any company to do to someone who has gone through a lot of physical pain to be followed by the mental torture of paying the minimum balance of $65.00 a month when I have not even used this card in years. Their $22.00 monthly charge on top of 19+% interest makes this impossible and the kicker is. I added up the charge plus interest and the card balance is less than what I have paid for their protection...
Anyone know a good attorney who is willing to work pro-bono because as my user name says: I'm beside myself anymore....Please Help!