Why does insurance companies have the right to pull our credit for auto insurance? 1st we have to pay in advance, 2nd We are not getting a loan, 3rd we are required to have insurance, 4TH This will be on your credit report as an inquiry. This is a scam for them to charge us more money in the most trying time of our economic crisis.

Although I believe we need a credit scoring system to allow banks to make appropriate loans and good credit customers to achieve lower interest rates, I believe there are serious problems with the current system. The following are recommendations to make the credit system more equitable: ..Do not allow credit card companies to put anything on your credit card unless specifically authorized in advance. ..Allow your credit card to automatically expire after three months of non-payment. The reason is that many people relocate to find other jobs or out of the country and items are placed on their cards and then for 6 month the penalty and interest increase. In my case an $80 credit card charge for a ride to the airport to re-locate out of the country ran up to $850 with no notification. Now the credit card company will not remove it from the credit agency even if we pay the $850. We are talking about people who have good credit but destroyed by the credit card company with not remedy leading to huge losses in potential purchasing power and a slower economy. And it seem like usury to me.

i have seen this "administrative fee" on my bill. I also noticed that they include 2 on the first month, if you happen to start your billing in the second half of the month. This sneaky, unwarranted fee, represents almost 100 million in year in hidden fees to consumers.

I was damaged, Oct. 08, from Levaquin. I went into a wheelchair, lost my employment. Have muscle vision, heart, damage.

Emblem Health has notified all NY brokers that they will no longer pay commission as of 05/01/13. This is completely unethical and will have a drastic impact on our clients and the livelihood of all NY brokers. Because Emblem Health was denied a rate increase by the Department of Financial Services –DFS, they are taking action on the brokers that helped build their brand, and who service there policy holders. (See DFS statement below) With Healthcare reform to take effect in 2014, our knowledge and service is crucial in keeping our clients in compliance. This action needs to be stopped NOW! “Thus, while EmblemHealth, Inc. and HIPGNY have been profitable, their operating subsidiary, GHI, for some reason is not. In reviewing the reasons for this disparity, DFS has become increasingly concerned that Emblem’s overall management and its executive compensation practices have been a significant cause of GHI’s marginal financial condition. Moreover, DFS is concerned about the impact on the public of the rate increases proposed in the instant rate application. As a not-for-profit corporation, Emblem has a special duty to provide affordable health insurance to New Yorkers and to manage itself appropriately to make that possible. Poor management and compensation not related to both short and long-term performance can create improper incentives and have a deleterious impact on a company’s operations.”

Let's stop big money and interests from owning our legislators. Our Elected Officials are PUBLIC SERVANTS, and should behave as such. They should not vote against the common good of all the people in favor of giving special consideration (including tax breaks, reductions in fines, etc). If a Legislator receives significant donations (in excess of $50,000 from ANY person, Corporation, PAC, or Special Interest group, they SHALL NOT be eligible to vote on any legislation that pertains to the said person, Corporation, PAC, or Special Interest group. Legislators who are found to have done so should be stripped of their Elected office and any benefits of that office. Criminal Conviction should be considered if it is found that the Legislator voted against the wishes of his constituents.

A HUGE amount of charities give 15% or less to those they collect for. Some are even in the negative% area. I feel that this is called legal robbery. I would like to see a bill pass that makes sure that charities have to give at least 65% to those they collect for. Please.... let's make sure people are doing what's right and hold them accountable.

Every one who uses petroleum products.

Three years ago my sister was laid to rest due to a house fire caused by faulty wiring in the house,that was the first child my mother had ever lost and the first sibling I had ever lost and it was a pain I had never felt before in my life. Before the fire occurred the problem had been reported to the landlord several times and after the damage had been done neighbors and old residents of the house reported they also had electrical problems and was ignored by the landlord and nothing was done. Since then my mother and I have had to deal with more slumlords who flat out does not care about anybodies well being or living conditions in properties they own,all that matters is a money order before the fifth. Hard working tenants who pay their rent on time while maintaining the property as best as they can have to continuosly call and wait for problems that they can't or aren't obligated to fix to get fixed when some have infant children and disabled elderly living at the properties. Under the current Arkansas Landlord and Tenant laws the landlords are getting away with robbery and the tenants have to either take it or move on. If a tenant holds money from the landlord until they fix a leak in the roof because the leak could cause electrical damage,the tenant can be placed under arrest or asked to leave the premises. Thats not equal,I'm sure none of you or them would like to spend your money to live in a place thats half inhabitable either but thats what hard working Arkansans are being forced to do and something has to be done about it. Without the people there wouldn't be any neighborhoods to place the alert centers who main goal is to "Stop the Drug Dealer" when in alot of neighbor hoods you don't see any drug dealers but you do see slumlords taking money from people who barely making it as is. Tenants for Equal Accountability main priority is to get the current landlord and tenant laws revised,instead of the current laws standing up for the crooks collecting money for doing nothing,we need laws standing up for the people who work hard and don't have to worry about spending two or three nights in the cold because they heat went out and the Landlord say "You Gotta Wait". We want to live comfortable in our homes just like the Landlords/Slumlords are living comfortable in their homes and In order for that to happen New Landlord Responsibilities have to be enforced.

Health problems, medical bills, loss of pay due to time missed due to sickness caused by mold and mold spors in air

Honorable Members of the PA State House Judiciary Committee PA House Bill 683 was referred to your committee Feb. 12, 2013 PA House Bill 683 (HB683: Haluska, Metzgar, Barrar, M. K. Keller, Hess, Moul, Fleck, C. Harris And Murt, February 12, 2013), like similar legislation in other US states, is not well-thought out. It will limit whistle-blowing, and keep the public unaware of food safety problems, animal abuse and poor/dangerous working conditions on factory farms. It's benefit to our food safety and farm workers is unclear. Remember the 2008 investigation of a dairy cow slaughter plant in Chino, California? It prompted the largest meat recall in U.S. history, identified fraud on the federal government’s school lunch program, and resulted in criminal convictions. HB683 would criminalize only the workers who expose such crimes. HB683 would do nothing to protect We The People from the cruelty, contaminants, and fraud. Further, with the increase in gas drilling in PA, HB683 is doubly troubling: Line 9 on page 1 defines the proposed second and third degree felonies as those "Interfering with agricultural operations." But Lines 9-11 on page 3 too broadly define "Agricultural operations" as "Any public or private property where an agricultural activity or farming is conducted or takes place." This includes the sites of much of PA's gas drilling, storage and transfer activities. Citizen activism is an increasingly important tool for We The People to find out about gas-related crimes and pollution. HB683 would seemingly outlaw reporting on these threats to our air, water and dirt. Please voted NO on HB683. Thank you for your time.

Nothing gets done in Congress because the elected body maintains support politcally to the money not the PEOPLE's welfare. Money=Power whereas moral values and truth = doing what is right for America.