tag:blogger.com,1999:blog-2887421078018917420.post2604205864314779009..comments2024-03-28T10:13:23.318-07:00Comments on The Debt Chronicles: Extra Renter's Insurance... Without Our Consent!Sunflowershttp://www.blogger.com/profile/02917160919955773944noreply@blogger.comBlogger12125tag:blogger.com,1999:blog-2887421078018917420.post-33900353297089385542009-01-24T12:02:00.000-08:002009-01-24T12:02:00.000-08:00@Miss M: I think I would prefer being on the lease...@Miss M: I think I would prefer being on the lease just because he doesn't like (or have time) to deal with certain things... so I'd want to have the authority to go talk to maintenance/apt manager/landlord, whoever.<BR/><BR/>But if we move out in the next month, maybe we'll have to go that route...Sunflowershttps://www.blogger.com/profile/02917160919955773944noreply@blogger.comtag:blogger.com,1999:blog-2887421078018917420.post-91736584182272082802009-01-23T15:06:00.000-08:002009-01-23T15:06:00.000-08:00My experience with renting is they want a decent c...My experience with renting is they want a decent credit score and you need to earn at least 3 times the rent. I wonder if you can qualify just off the BF? Mr M lived with me "illegally," he wasn't on the lease. By the time anyone noticed we were moving out anyway. We just told them that he had his own place and only stayed over once in a while. If the complex or building is large enough, management will never notice.Miss Mhttps://www.blogger.com/profile/15926161058644761041noreply@blogger.comtag:blogger.com,1999:blog-2887421078018917420.post-46939105559065282282009-01-23T14:10:00.000-08:002009-01-23T14:10:00.000-08:00@Bayjb: Yeah, me too. :(@DAMF: If you don't mind m...@Bayjb: Yeah, me too. :(<BR/><BR/>@DAMF: If you don't mind me asking, what company do you use? We're using Assurant.<BR/><BR/>@Miss M: He is! Ugh, I really hate him. <BR/><BR/>@mfaorbust: Yeah, I'm sure he was hoping we wouldn't notice!!<BR/><BR/>@paranoidasteroid: My bf is supposed to call today and get it canceled... it's just in his name, otherwise I would have taken care of it already. I'm writing a letter to the landlord memorializing everything that happened.<BR/><BR/>You're right, we likely could get out of our lease... but do we want to, is the question. Yeah, the landlord is a shady bastard, but our place is big, we have a w/d in our unit, it's about average rent, it's an almost-ideal location... And neither my bf or I want to deal with moving out right now. Our lease expires in June, during my summer vacation (although I'll likely be taking summer school, but only 1 or 2 classes), a much more convenient time to move. <BR/><BR/>I have been looking on Craig's List a bit, but nothing has really caught my eye. I guess if I see an amazing place, then we might do it. I'm a little worried how we're going to be perceived though; my credit has dropped 40 or so points since we moved into this place, and I quit my full-time job. My bf makes a lot and he has a good credit score, but will that be enough? I'm hoping that by June my credit score will be better, and I'll have a full-time job again.Sunflowershttps://www.blogger.com/profile/02917160919955773944noreply@blogger.comtag:blogger.com,1999:blog-2887421078018917420.post-29332826024897486392009-01-23T13:08:00.000-08:002009-01-23T13:08:00.000-08:00That's fraud. Get the bastard arrested.Your rente...That's fraud. Get the bastard arrested.<BR/><BR/>Your renters insurance should not be covering HIS appliances. Call and cancel it immediately. And seriously, find out what the laws are. With all the problems you're having living there, you can probably get out of your lease right now.Sarahhttps://www.blogger.com/profile/12810680437939153508noreply@blogger.comtag:blogger.com,1999:blog-2887421078018917420.post-85055925362937656612009-01-23T12:29:00.000-08:002009-01-23T12:29:00.000-08:00Oh my God, that's unbelievable! I can't believe wh...Oh my God, that's unbelievable! I can't believe what a crook your landlord is--and I'm sure he would have never offered to let you deduct it from your rent if you hadn't noticed.mysticdomesticahttps://www.blogger.com/profile/08678692482390681321noreply@blogger.comtag:blogger.com,1999:blog-2887421078018917420.post-42174714720589534162009-01-23T10:21:00.000-08:002009-01-23T10:21:00.000-08:00OK totally weird. Your landlord is wrong on so man...OK totally weird. Your landlord is wrong on so many levels, can you find a new place to live? I can't believe he would or could do that.Miss Mhttps://www.blogger.com/profile/15926161058644761041noreply@blogger.comtag:blogger.com,1999:blog-2887421078018917420.post-9621871776659703032009-01-23T06:30:00.000-08:002009-01-23T06:30:00.000-08:00Very shady. I love my insurance agent (strange, I...Very shady. I love my insurance agent (strange, I know).<BR/><BR/>Honestly, I would change renters' insurance over this, whether your landlord was involved or not. Nothing should be added without even asking you.DogAteMyFinanceshttps://www.blogger.com/profile/02571124283388079010noreply@blogger.comtag:blogger.com,1999:blog-2887421078018917420.post-50571292170509570342009-01-22T19:50:00.000-08:002009-01-22T19:50:00.000-08:00Ick. That is super shady. I hate landlordsIck. That is super shady. I hate landlordsBayjbhttps://www.blogger.com/profile/09544971638369054902noreply@blogger.comtag:blogger.com,1999:blog-2887421078018917420.post-42454540990516195022009-01-22T11:18:00.000-08:002009-01-22T11:18:00.000-08:00@Simplelivin: Yeah, and even stranger was that the...@Simplelivin: Yeah, and even stranger was that the appliance protection plan didn't even cover our appliances! (the fridge is actually ours) Only the air/heat, which definitely is covered by the landlord. My bf is going to call today at lunch... I'll post an update after I hear from him.<BR/><BR/>@Brandi: I hope so too.<BR/><BR/>@Miss M: When the handyman came to fix our electricity, he said (with the landlord in the room) "do you have renter's insurance?" and my bf said "yes... why?" And the handyman was looking at the wires, saying something like "I hope it covers you if this place burns down." Not sure if the landlord heard that last part, but pretty sure he heard that yes, we had renter's insurance. You're right; there's no way he could know our policy number.<BR/><BR/>99% likely that this was a mistake on the insurance's part (or maybe they wanted to sneak in an extra $11/mo from us). But the conspiracy theorist in me is latching onto that 1% and giving me the creeps. ;pSunflowershttps://www.blogger.com/profile/02917160919955773944noreply@blogger.comtag:blogger.com,1999:blog-2887421078018917420.post-36433806626995450622009-01-22T10:33:00.000-08:002009-01-22T10:33:00.000-08:00I would call, cancel and find out how it was added...I would call, cancel and find out how it was added. I'm leaning towards weird mistake, your landlord can't add anything to your renter's policy. How did he even know you had one, I never had a landlord ask or ask for the policy number.Miss Mhttps://www.blogger.com/profile/15926161058644761041noreply@blogger.comtag:blogger.com,1999:blog-2887421078018917420.post-7707908936257062052009-01-22T05:31:00.000-08:002009-01-22T05:31:00.000-08:00I agree...that's got the making of a shady situati...I agree...that's got the making of a shady situation written all over it. I hope when you get ahold of them you get good news!H.E.A.https://www.blogger.com/profile/00514402316650439777noreply@blogger.comtag:blogger.com,1999:blog-2887421078018917420.post-46277686992737483532009-01-22T05:25:00.000-08:002009-01-22T05:25:00.000-08:00Wow that is kind of shady. They can't add anything...Wow that is kind of shady. They can't add anything to your plan without your permission, so you should be able to take it off no problem. Most appliance have to be covered by the landlord, especially necessities, like refrigerators, and stoves. Check you lease to see what he is responsible for and what you are, so if something happens you'll know.Simplelivin'https://www.blogger.com/profile/11348147286894425833noreply@blogger.com