Alfa Homeowners Insurance

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Donna of Hayden, AL September 29, 2008

This is an update to a complaint given 9/27/08. We had received notice that our insurance was dropped. I saw agent noted above and he advised me this was not so. Just utter and complete relief!

Donna of Hayden, AL September 27, 2008

My husband and I recieved letter from our mortgage company today, Saturday September 27, 2008 that our homeowner's insurance through Alfa has been terminated as of 9/11/2008. We have never missed a house payment which includes escrow account for insurance and taxes since buying our home 1999. January 2008 I went on medical leave from my nursing position.

I am in process of trying to get social security disability. In January 2008 when I knew our financial status would change I called one of our credit card companies (CitiBank) to see if a plan could be made, but they informed me we must be in default for 2 months first. I tried to make whatever payments I could but their CSRs advised me to stop doing this. In the meantime they raised APR to 30% and added fee after fee. This resulted in us not being able to make the eventually over 2000.00 payment to bring account current. It was finally settled at about 60+ cents on the dollar by my husband taking a loan on his 4O1K for 5 years.

Our next creditor (also credit card) Bank of America I made an electronic payment on the due date but unfortunately it was a few hours past time and it was posted 3 days later. This caused our payment to go from a doable 160.00 per month to 300.00 per month payment due to increase in APR. I called and advised them of our situation and asked for them to return APR to something lower. They refused, and I advised them there was absolutely no money with which to pay this bill. In order to pay our house note we opted to default on the credit card bill.

Our credit score is probably in the pooper. But this tactic-pay house note no matter what-has bit us in the butt as Alfa dropped our coverage (we still have not received a notice from them.). And, of course, now to try to get coverage will probably be impossible due to fact credit score is bad, but what they would charge us we would not be able to pay. I tried to work once again but am unable to and will probably take 1-2 years (beleive this is Alabama norm). We use rabbit ears on old TVs, I skip some of my medicines or half the dose as we cannot afford these, when this 10.00 per month internet special ends we will be without internet. I cut my own hair and my family's. I have asthma so we cannot be without air conditioning in summer. My husband and I drive 6 year old vehicles. We have items on craigs list. I am lost as to what more we can do.

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