solomongrundy

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Posts posted by solomongrundy


  1. I know that this is rather stupid, but I missed the tax deadline this year as I was sick and had been admitted to the hospital.

    I wrote to the Finanzamt yesterday for an extension of my time to file the taxes for 2020  until March-end. I am trying to get a tax advisor association membership as it is very complicated for me, and I don t earn much. My income is below the taxable limit or maybe could be just a couple of hundred more. For three months I worked until March and then was laid off. I have a job as an English teacher. Is there anything else that I must do? If I file in the next two weeks is this OK?

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  2. On 2/8/2022, 11:37:30, LeonG said:

     

    You have to talk to TK about this.  Did TK agree to your "free will installment plan"?  My guess is no because free will can also mean zero and if you are behind on payments, how can it be free will?

    TKK has not replied yet. I did not ask the girl there to sign when I gave them my bill though i did ask for a copy. Could they be in cahoots with the hospital and ignore it till the deadline to pay it is past?

    On 2/6/2022, 8:14:44, fraufruit said:

     

    If TKK would not pay the debt, it will reach an unsustainable level. We are talking about 1000s of Euros, and with the small freelance jobs I have, I ll not be able to pay it off. The woman at TKK said they d send me a letter, but I have not recieved it. She took the original bill. If somoeone knows what to do in this situation I d be grateful for any help. I repeatedly told the hospital that I was covered only for emergencies,

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  3. 10 minutes ago, LeonG said:

     

    You have to talk to TK about this.  Did TK agree to your "free will installment plan"?  My guess is no because free will can also mean zero and if you are behind on payments, how can it be free will?

    Yes, they agreed. I have been paying it off whenever I got money...

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  4. Does this mean that as I have a free will installment plan which is what I have as I don t have a steady job, and I have paid towards the debt, I would be covered? The letter said that I could claim the money back from TKK, but I don t have that much money. I have been paying my installments but am behind some of them. If I cover the debt would they then pay the hospital? Or do I have to pay both?

    I am doing everything to find a good job but over here it is so hard. 

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  5. 48 minutes ago, RedMidge said:

    Have you called TK yet?

    Have you spoken to the Accounts department  at the hospital?

    Have you discussed with your family doctor?

    These are your next steps.

    Not sure if we can help on this. Did you finally get work after your long Student visa time?

     

     Emergency definition   can be difficult to explain sometimes, especially with mental health  issues. Whether a health problem needs immediate medical/surgical intervention, or whether a referral for ongoing issue is the path to take.

     

    1. yes.

    2. No. Email bounces. I send a letter by registered post explaining that their doctors confirmed I was an emergency case. 

    3> No. I have never ever fallen sick in Germany. I have an house doctor now but that was because of the hospital s referal on out patient treatment as I could not have the in patient treatment they recommended.

    4. No. If you are in Germany the higher you go education-wise the harder it gets. And they complain about immigrants!!!!

     

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  6.  

    20 hours ago, john g. said:

    Did the hospital know you are TK-insured? Or did they maybe think you have some foreign insurance?

     

    By the way, I know this is not the right thread but a warning to dumb fellow foreigners on here:

    if you cause an accident or any way  injure someone accidentally - the insurance company will pay the hospital bills and then... chase after you. Be warned. Get personal liability insurance/ private Haftpflichtversicherung.

    I am a professional independent insurance broker and authorised advertiser. Contact me.

    My issue was mental. A long period of unemployment led to a complete nervous breakdown and a sense of paranoia. I don t remember but my girlfriend, who called the ambulance, tells me that I was talking about suicide. She told the ambulance nurse this, and also, I did not have my card with me, but only a letter reminding me of my debt. |\This was what the hospital saw. I told the emergency doctor this, and when they released me, it was because insurance would not cover the recommended stay period. Please, can someone help me, I don t have the funds to cover this?

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  7. 6 hours ago, Krieg said:

     

    I don't get this part, which kind of insurance do you have?

    I owe TKK money so I am covered only for emergecy.

    2 hours ago, john g. said:

    For me, " emergency " would be unexpected, sudden and with possibly dangerous consequences if not treated quickly.

    I am a professional independent insurance broker and authorised advertiser. Contact me.

    \Yes, it was that. I confirmed it with the ambulance, the doctor who treated me also. I also told them that I had no insurance except for emergencies, and after a few days, they let me go saying that was exactly the reason why they were letting me go. My housemates put me in the ambulance. The doctor, when I asked her how much I d have to pay said "Nothing" I don t know why they send the bill to me directly and not to TKK.

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  8. 2 hours ago, john g. said:

    For me, " emergency " would be unexpected, sudden and with possibly dangerous consequences if not treated quickly.

    I am a professional independent insurance broker and authorised advertiser. Contact me.

    \Yes, it was that. I confirmed it with the ambulance, the doctor who treated me also. I also told them that I had no insurance except for emergencies, and after a few days, they let me go saying that was exactly the reason why they were letting me go. My housemates put me in the ambulance. The doctor, when I asked her how much I d have to pay said "Nothing" I don t know why they send the bill to me directly and not to TKK.

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  9. 47 minutes ago, john g. said:

    You cannot be kicked out of health insurance in Germany - because of the legal obligation to be insured - Krieg , but you can , if the premiums are not paid , have your cover reduced to emergency level - even with public health insurance eg TK.

    I am a professional independent insurance broker and authorised advertiser. Contact me.

    Does this mean that TK is obliged to pay even if the hospital sends a bill to me? I am covered for emergencies.

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  10. I don t have any written confirmation that it was an emergency. They said it was treated as such.  They did not send TKK the bill, but send it directly to me with the line that I could claim it back from TKK. The problem is that I am covered only for emergencies, and I cannot afford the bill at all.

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  11. Thanks for the information. TKK says that the hospital claims it was not an emergency though I went in an ambulance and the doctor said it was. They said they will look into the bill. I come from the US. Do insurance companies use any excuse to not pay a bill? I d really be grateful for a few answers

     

    Regards

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  12. 1 hour ago, snowingagain said:

    I would start by asking TK.

    Thanks, I read the letter with a friend, and it says that they want me  to pay the bill and that I can reclaim it later from TKK. However, I clearly explained to them that TKK covered only emergencies

     

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  13. My insurance provider is TKK. I have some debt with them that I am paying off. I am  not financially well off and that s why the debt came about. It dates back to a preiod of unemployment.  I had to be hospitalized for a week for emergency, and TKK covers emergencies in spite of the debt. However now the hospital send me a huge bill claiming that they want me to pay the emergency bill as I only have emergency medical insurance. This was even  though the doctor said that I have to pay nothing as it was an emergency. What are my options?

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  14. Hi

     

    I graduated with my Ph.D. this year, and am above 45. I asked an immigration counselor about my chances to stay on if I find a job that corresponds to my qualifications and he says that I must get a salary of nearly 4,000 euros to stay because of pension contributions.  I work at the university and only a professor gets so much money.

     

    1. Is this true? If it is can I take additional private pension insurance to make up the shortfall if I am offered a contract at the university at a lower salary?

    2. He said that this was for para 18. If true, is there any other permit, for example, 21, freelancer, with which I can apply for permanent residence?

     

    I have spent about a decade in Germany as a student. As part of various jobs, I have already paid about 42 months in the statutory pension scheme,.

     

    I d be very grateful for advice on the matter.

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  15. Hello,

     

    I have had great experiences with the Mietverehin and so please join ASAP.

    About your specific case, AFAIK you have to find him three tenants who are willing to take the place. If he is not happy with those three your obligation is over.

    One way of doing this is to advertise on https://www.wg-gesucht.de/ and you should get a lot of interested applicants, certainly more than three. Then you take the offers and send them to the real estate agency.,

    At the same time, join the Mietverehin and they ll send a letter.

    Usually, the problem will be resolved.

     

     

     

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  16. 5 minutes ago, cb6dba said:

    In the distant way past I worked with some colleagues who all worked for Jamba (before I met them). 

    they said that the management of Jamba had the policy of putting off refunds until it got serious as the longer they had the cash, the better. The people they employed to put this off (and be insulted constantly) as log as possible were being paid anyway. 

     

    I guess it will always be the case, cash will only be refunded when it looks like it may cause trouble for the company and not before. As a possible plus for them, people may give up or accept a better offer. 

    From my time in retail and working for a bank, one of the only consequences they are really scared of is if  a bank or credit agency (Visa etc) blacklist the company. Very rarely happens though. 

    Thanks. I think Shaw Academy is in fear of this since they have scammed many people and there is even a petition to the Irish government (they are based in Dublin) to ban the company and charge it for fraud.

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  17. Just to update. I contacted them, showed them evidence that I had cancelled well in time, but they kept on offering concessions and a life time membership! I refused. Never agree to anything. I threatened to report them for fraud and to claim a chargeback.

    They first returned the April money.

    Then after more threatening letters they returned the money in full! 

     

    Main points

    1. Insist that you will demand a chargeback.

    2. Don t agree to any of their offers.

    3. DONT CLICK ON ANY ADDITIONAL MATERIAL THEY OFFER YOU. It s a scam. If you click then they will take money and say that you bought the material.

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  18. hi,

     

    I have spent more than a decade in Germany on a 16 student permit and graduated with a Ph.D. this year. I also have a German master's. However, I have not been able to secure a job yet, but have freelance offers. Is there any way that I can get permanent residence in Germany? I know that I have  18 months to secure a job that is in line with my qualifications, but I have only been able to get freelance offers to teach English, edit academic texts etc.

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  19. Hi,


    Saw this only now, so the late reply. I was in a similar situation during my PhD. I got an exchange at one of the most prestigious universities in France, and my German permit was enough to study there. Don't dereigster and don t take a break of more than six months. In my case my German student permit was enough to study in France. I kept my German residence and visited occasionally.

    If you just want to go and write your Masters thesis in Spain that s fine. You are allowed free movement in the Schengen zone.

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  20. 1 minute ago, murphaph said:

    I wonder was the letter addressed properly. It sounds like they couldn't figure out where to deliver it to.

    It was. DHL delivered another packet on the same day! Could it then send it back for a customs check or something? In that case, why would it say Out for Delivery?

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  21. 24 minutes ago, Janx Spirit said:

    There should be a slip/note (yellow usually, but depends on the carrier) in your letterbox. You will need this to pick it up from"IPZ Niederaula"

    No, I called them later with a friend who speaks German and the customer service woman said it will be send back as it is too difficult to do  a second delivery for a letter! No slip note in my box.

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  22. Hi,

     

    I had a letter coming to me from outside the EU, from India. 

    The tracking app said "Out For Delivery" two days ago but now says "Returned to Warehouse"

    IPZ Niederaula, Germany.

    I called them  but they are very unhelpful as I don t speak German very well.

    What does it mean?

     

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  23. 2 minutes ago, snowingagain said:

    Have you contacted Shaw Academy and asked why they still charged you despite your cancelation?   And demanded a repayment?

     

    Yes, I did that and they claim that it auto-renews though they officially confirmed my cancellation of the free trial.

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  24. THe court summons will come anyway, but if you contact them they know that you live at that address. I was advised never to contact them, wait for the yellow letter, and then contest all charges. The first time they did not even bother sending the yellow envelope, the second time they did and I contested it. There is a box in the form that you can tick and send back.

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