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What is appropriate, what object? Read what you have to keep in mind for the car and the billing of services. Usually it happens and even without the knowing insured them. The insured person looks in his insurance conditions and there we find the following Fomulierung: apply as a remedy for elimination and alleviation of serving diseases or accident sequelae and treatments like inhalations, physiotherapy and exercise treatments, massages, hydrotherapy, packs, heat treatment, electrotherapy and light therapy. In addition is: refunds will be made to 100%. sometimes even extends to the afterthought… at reasonable rates. As a concrete example from last week, we take an invoice of a physical therapist, which provided the following costs charged. Since the customer came from a 100% refund, had to teach but better, because these costs were not adequate.

Do you feel adequately cost for a physiotherapy for back pain of 26.80 EUR for a treatment? The will very difficult to judge and also be dependent upon where you live. Here, in the idyllic North not probably still to get under certain circumstances, in the city of Frankfurt. The insurer otherwise tell the (also at the customer) and wrote: and now? How should the client know what sentences are appropriate? He called his insurer, the HUK Coburg insurance, and inquired. He got the statement you use, the “rates”. Funny thought the customer and asked. See more detailed opinions by reading what Professor of Economics offers on the topic.. “I’m not entitled to aid and also no official or employee in the public service.” Can you please send a list of me?” Answer: No, that you find on the Internet.

“And on what basis do you do it?” the customer wanted to know more. Answer: “we do always.” Note: I have this written on the insurer and asked to answer. I do this then here. As a customer relies on a statement in terms of (being in the HUK to any wording is ‘appropriate’ or ‘100% ‘ in there,) but only the top first quoted text. Even worse, because here other insurers have added an additional formulation and write: the refund up to beihifefahigen maximum rates. You find these in the State aid rules of the Federal Government (direct link) or the countries. If you are an officer, you know it probably. But who is thinking about aid levels as “normal” insured with a private contract? And what if the legislature changes the rates? Look screen in your own car what do you find there in AIDS? Otherwise call ask for and insist on a written statement. Should there be a separate Directory in the enterprise, let this send up and compare this with the aid rates. (See page 45) Even Please note: the rates of inflation are adapted? When are these verified? In our case the KG, we find the solution on page 45 of the State aid rules of the Federal treatment. Maximum according to aid 19,50 EUR. Thus, our customer had only 195 EUR instead of the paid 265,80 EUR. This corresponds to one additional equity from 70,80 EUR or otherwise said 26% of the invoice amount. If that was wanted in the contract? Now, this amount is manageable and quickly paid. Keep in mind however, strokes, accidents with bone injuries etc oftlangfristige treatments are necessary. 100 treatments are as commonplace and thus threaten high equity investments. Therefore, consciously choose your health insurance and the selection criteria.

The Bank believes that the difficulties you have time, and probably will meet you. For example, if you are sick and hospitalized, the bank may consider the possibility of postponing the payment of minimum penalties – if you have already missed not one but two or three payments, it makes sense sign a special agreement with the bank, where conditions may be specified installments and penalties that are often commensurate with the size of the debt. For example, 20% per annum for the period of delay can "turn" in 50%, our educational program. What is important to know when communicating with debt collectors? – If the caller collector talks to you politely enough, it's an impostor. Present a collection agency, as this bank values its reputation. – avoiding any means of communication with the collection agency within a month or two, you can not expect leniency in the payment of debt (installment payment or small fines) – remember that you have to "pressure" from Agencies are not eligible. To you, of course, can come to the bailiffs, but this will only happen after a trial in absentia would force you to repay. Bailiffs, too, can not open the door.

However, then yours will be attributed unsatisfied judgment. With all the consequences Our dossier. How to actually collect the overdue debt collectors under the collection activity specialists understand the massive collection of mostly undisputed debts of the same type. Incontestability debt in this case means that the treaty under which the creditor's right of claim of debt, almost one hundred percent will be recognized in court valid. To the category of such contracts are generally contracts a loan or a loan (as related to money), while recognition of the supply contracts, services, commercial credit is much more problems.