Ask Experts Questions for FREE Help !
Ask
    lameduck's Avatar
    lameduck Posts: 3, Reputation: 1
    New Member
    		  
    #1

    Oct 9, 2008, 10:37 AM
    Insurance re-payments
    Hi folks. I am in a quandry on the debt limitations in ontario.ca.
    I received a cpp disabilty payment approval in2002. My insuarance carrier now wants rebursment from the monies. I last received a payment from the insurance carrier the 8-31-04. They claim I owe 4000 dollars. . I have been called and they claim I will be forwarded through their legal services. Do I owe this money that I don't have. Is there a law protecting me. Its been years since I have had contact from these folks. . I have never agreed on payment or admittance to the debt .
    Any thoughts?
    Sorry for whining on a first time post to this site, but I cannot afford legal council,
    Thank you.
    rockinmommy's Avatar
    rockinmommy Posts: 1,123, Reputation: 82
    Ultra Member
    		  
    #2

    Oct 9, 2008, 12:05 PM

    Are they stating WHY you owe them re-payment? Are they alledging that there was no disability?
    lameduck's Avatar
    lameduck Posts: 3, Reputation: 1
    New Member
    		  
    #3

    Oct 9, 2008, 12:39 PM
    Quote Originally Posted by rockinmommy View Post
    Are they stating WHY you owe them re-payment? Are they alledging that there was no disability?
    I received a cpp backpayment from cpp pension dating till dec 2002. The insurance carrir was notified of this when I received the cheque in August of 2004. They stopped paying me,immediately. Not hearing from the insurance carrier from that dateofcontact may 19th 2004. Its now oct 2008 they contacted myself stating I owe them the 4,000 dollars. Is there a legal amount of timeframe. . Like I have stated on dis-ability money is short. I feel like there has to be a law in affect in canada that protects the consumer.. living on a cpp disabilty is not a gravytrain.it really is shocking after reporting my income to the carrier and now being harassed 4 years later.
    JudyKayTee's Avatar
    JudyKayTee Posts: 46,503, Reputation: 4600
    Uber Member
    		  
    #4

    Oct 9, 2008, 02:17 PM
    Quote Originally Posted by lameduck View Post
    hi folks. i am in a quandry on the debt limitations in ontario.ca.
    i received a cpp disabilty payment approval in2002. my insuarance carrier now wants rebursment from the monies. i last recived a payment from the insurance carrier the 8-31-04. they claim i owe 4000 dollars. . i have been called and they claim i will be forwarded thru their legal services. do i owe this money that i dont have. is there a law protecting me. its been years since i have had contact from these folks. . i have never agreed on payment or admittance to the debt .
    any thoughts?.
    sorry for whining on a first time post to this site, but i cannot afford legal council,
    thank you.


    Can you tell me if I'm right? You collected payments from both for a period?

    Not having the money to pay them back is not a legal defense. I don't believe the Statute applies because this is not a debt, it's an overpayment. Have you been charged with fraud?
    lameduck's Avatar
    lameduck Posts: 3, Reputation: 1
    New Member
    		  
    #5

    Oct 9, 2008, 05:20 PM

    I collected the extended sic benefit till the cpp disabilty was approved from the government. I notified immediately the sic benefit insurance carrier. They stopped payments. Now 4 1/2 years later I received a phone call stating I have to re-pay the 4000 dollars back from them. My question is basiclly am I bound from canadian law to re-pay. 41/2 years of no contact from these folks and suddenly demanding payment sounds threatening.. I know there's a limitations act in ontario canada but I don't fullyunderstand it. That's why I have been asking.
    JudyKayTee's Avatar
    JudyKayTee Posts: 46,503, Reputation: 4600
    Uber Member
    		  
    #6

    Oct 9, 2008, 05:54 PM
    Quote Originally Posted by lameduck View Post
    i collected the extended sic benefit till the cpp disabilty was approved from the goverment. i notified immediatley the sic benefit insurance carrier. they stopped payments. now 4 1/2 years later i received a phone call stating i have to re-pay the 4000 dollars back from them. my question is basiclly am i bound from canadian law to re-pay. 41/2 years of no contact from these folks and suddenly demanding payment sounds threatening.. i know theres a limitations act in ontario canada but i dont fullyunderstand it. thats why i have been asking.

    Canadian Law applies to debts - this is not a debt. This is an overpayment which, apparently, you received and kept.
Not your question? Ask your question View similar questions
 

Question Tools Search this Question
Search this Question:

Advanced Search

Add your answer here.


Check out some similar questions!

Involved in accident without insurance but she had insurance [ 12 Answers ]

I live in PA. An older lady hit my car per the police report it states that she turned directly into my driverside of my car as I had the right of way. My car was damaged & I was hurt. I contacted my insurance company they told me my policy cancelled 3 days before the accident but its OK now...

Life insurance payments plus added interest [ 2 Answers ]

Malva collected $100,000 on her deceased husband's life insurance policy. The policy was purchased by the husband's employer under a group policy. Malva's husband had included $5,000 in gross income from the group term life insurance premiums during the years he worked for the employer. She elected...

Motgage Insurance vs. Life Insurance [ 6 Answers ]

Hi-- I just bought a new house and am getting solicitations for mortgage insurance if I kick the bucket. I don't want my wife to have to be burdened by mortgage debt. Had thought about getting term life insurance to cover the mortgage amount, what's the better approach??

Stolen car, no insurance, lienholder payments [ 3 Answers ]

My car was stolen, I am in a fix here because my insurance will not cover the car because there was a glitch at the DMV and the registration did not come up in the system. For days the police could not run the tags or the vin because nothing came up.. finally they were able to get the info. Once I...

View more questions Search