Sears/ Cit Bank Failure to honor Credit Protection Plan Cleveland Ohio

Since I am the POA caring for my mother who suffers from alzheimers. I had requested that Sears/Citi Bank honor their commitment to the insurance contract. They have refused and I have recieved several threathening phone calls from a representative of Citi Bank and now they have refered the account to a collection agency.

They do not realize that they are dealing with a former law enforcement officer here.

Anyway I did some research. I discovered that my mom and dad have paid Sears, even before they were involved with Citi Bank for Credit protection and average of $43.50 per month for more than 20 years. My dad passed away many years ago.

I sent an letter to Sears, dated 08-08-2005 notifying them of my past attempts to resolve the matter since my mom was diagnosed with AD in 2002 when I closed the account and requested that the insurance they called credit protection be honored. Problem is these were all telephone and not written correspondence. All I get is threats and inaction. I have since informed the collection agency and Sears in a letter dated 02-03-2006 that I intend to bring both Civil and Criminal Action against them as they are in violation of and contrary to HRS 708-873 fraud and HRS 708-830 theft. Only time will tell if David will slay the Giant.

Lawrence
Wailuku, Hawaii
U.S.A.