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Old 03-23-2016, 09:52 PM
 
Location: Close to an earthquake
890 posts, read 677,224 times
Reputation: 2390

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I do. I've chosen high deductible insurance policies in exchange for a lower premium. I'm talking auto, home and health insurance.

I'm looking at a home insurance policy right now on a small rental trying to decide if I should go with a $1,000, $2,500 or $5,000 deductible. I'm inclined to take the $5,000 deductible but notice the premium difference isn't that great when compared to the $2,500 deductible.

Too bad Obamacare changed the rules on deductibles because I'd be willing to assume more risk with a higher deductible in exchange for a lower premium. I'm at an age where the monthly cost for wife and me is about $1,200.
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Old 03-23-2016, 10:13 PM
 
Location: Washington state
5,440 posts, read 2,763,420 times
Reputation: 16362
I'm not sure if this is a new scam or not, but it sure is interesting.

I got a call a couple weeks ago with an out-of-state area code. No message was left. Because I'm nosy, I decided to call the number and see what's what.

The person who answered the call gave her name and the name of a medical facility (which I didn't catch). Being the nice person I am, I told them they had called the wrong number. The person on the other end wanted to verify my number. I gave them the number and the person then said they couldn't find my number. I asked her where she was because I was in Washington state and noticed the out-of-state area code. The woman didn't answer my question and said again she couldn't find anyone who had called me. I asked again where she was located. She again didn't answer me and then asked me for my social security number.

At that point, I'd had enough and hung up. Then I did what I should have done the first time and looked up the area code in the phone book. It was an area code for Arizona.

Wrong number? Maybe. Except that two weeks later I got another phone call from the same area code and still no message was left. Now I know sometimes medical personnel won't leave messages because of privacy issues, but if you call someone, why wouldn't there be a record of the number called?

This just seems really sneaky to me and if you were trying to con someone, what better way than to call some elderly person who probably has been in to see the doctor for something recently and then by claiming to be a nurse or a doctor or a receptionist at the local hospital, get as much information as possible from the person?
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Old 03-24-2016, 01:11 AM
 
Location: San Francisco
16,418 posts, read 5,354,959 times
Reputation: 51319
Here's how political fundraisers are scamming the elderly:

The GOP's Predatory Campaign Tactics
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Old 03-24-2016, 01:58 AM
 
Location: Gulf Coast
1,159 posts, read 649,789 times
Reputation: 2249
I get lots of these calls. I pay all our bills in full every month and none are ever late, also pay taxes on time. I get the IRS calls. The Credit Card calls. I had one guy call that they were due to come shut off our electricity due to non-payment. I had a momentary lapse of sanity where I actually asked a couple questions and then came to my senses and said, "this sounds like a scam" to which he replied - CLICK!

I get enough robo calls that I now answer the phone without saying anything. If a real person is on the line they will say hello, hello. If it is a robo call they will hang up from hearing nothing.

We got call ident. on our line but that doesn't work hardly at all because most people use cell phones which are not in the system and they just say something like unidentified caller or something like that. And being in business, we have to answer, because people move all over the country and use numbers from cell providers states away and we don't recognize them. We can't use the do not call registry on our business line, that's only for private numbers.

We get calls and fax rings all night long; that's annoying and scary.
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Old 03-24-2016, 02:23 AM
 
1,099 posts, read 664,400 times
Reputation: 734
Quote:
Originally Posted by Pat Answers View Post
We can't use the do not call registry on our business line, that's only for private numbers.
The "do not call" registry is a waste of time. That only works for people interested in following the law and these scam artists don't care. In addition, trying to block calls is also a waste of time because they have the ability to change numbers that you see on your caller ID.

The only solutions are to not answer any numbers you don't recognize and let it go to voicemail, or to just answer them all and deal with their nonsense. A friend of mine chooses the latter and when the caller gets done with their scam details, in a very seductive voice he asks them "what are you wearing". Brings the conversation to a standstill every time.


Last edited by bodyforlife99; 03-24-2016 at 02:33 AM..
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Old 03-24-2016, 07:12 AM
 
1,831 posts, read 2,597,931 times
Reputation: 1793
Quote:
Originally Posted by rodentraiser View Post
I'm not sure if this is a new scam or not, but it sure is interesting.

I got a call a couple weeks ago with an out-of-state area code. No message was left. Because I'm nosy, I decided to call the number and see what's what
I would be very careful, or actually not, return a call from an unknown number. One scam is set up when you do that you get tied into international calls which will then be charged to your account. I have an app I have on my phone called Truecaller. Type in a phone number and it will show you who, although honestly many cannot be traced. I do like the other phone ID sites that have been mentioned here. Oh, and blocking a number doesn't work as they keep changing the number. DH got another call from Payday loans yesterday about how his loan is approved. Very weird as it's the only junk call he ever gets on his cell. Most junk comes in on our landline where we don't have caller ID.
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Old 03-24-2016, 07:44 AM
 
Location: Close to an earthquake
890 posts, read 677,224 times
Reputation: 2390
Quote:
Originally Posted by borninsac View Post
I do. I've chosen high deductible insurance policies in exchange for a lower premium. I'm talking auto, home and health insurance.

I'm looking at a home insurance policy right now on a small rental trying to decide if I should go with a $1,000, $2,500 or $5,000 deductible. I'm inclined to take the $5,000 deductible but notice the premium difference isn't that great when compared to the $2,500 deductible.

Too bad Obamacare changed the rules on deductibles because I'd be willing to assume more risk with a higher deductible in exchange for a lower premium. I'm at an age where the monthly cost for wife and me is about $1,200.
Sorry about posting this in this topic discussion. I had intended on starting a new one but my tired eyes at the end of a hard day working fooled me.
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Old 03-24-2016, 07:55 AM
 
Location: SW Florida
9,753 posts, read 7,035,798 times
Reputation: 14295
Quote:
Originally Posted by seedy View Post
I had a card issuer call wanting to check on recent transactions. They wanted me to recite my most recent transactions and I told them that they should be doing that to prove who they were.

I was reasonably sure they were legit, but I told them I wasn't going to speak further with them and would call the issuer from my end, which I did. The CSA laughed and told me I did right. I had the feeling that the company hired a Deputy Dog and his practices weren't going well.

Either way Deputy Dog was an idiot, because he was doing the same thing they encourage customers not to engage in.
In my experience, when the credit card company has checked to make sure the owner of the card made specific transactions, they've listed the transactions and asked me if I made them. I'd question anyone who had to ask me how I used the card, when the company has a record of those transactions.
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Old 03-24-2016, 09:24 AM
 
Location: So. of Rosarito, Baja, Mexico
6,654 posts, read 18,678,878 times
Reputation: 6106
On a SCAM call ask them "How often do you have SEX?"
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Old 03-24-2016, 09:53 AM
 
14,477 posts, read 17,351,968 times
Reputation: 19139
Quote:
Originally Posted by Steve Bagu View Post
On a SCAM call ask them "How often do you have SEX?"

Or, you could do what my brother does. He tells them to "hold on for a minute", and then just walks away from the phone for...a very long time. Eventually those leeches realize that they have been scammed, and they hang up.


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