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Old 07-02-2008, 12:54 PM   #1
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glasson92 HB User
Please help

My husband called the 800# again b/c we have gotten conflicting answers and it is literally killing us. Now they say that they have a decision and we should be receiving it in the mail in 5 days or so. What does that mean? they said they can't give decisions over the phone. It was in quality review for a couple weeks but no one will tell us a thing. 1st they said it was in the payment center, then they said no it isn't back from review now they have a decision (all in the same day). Is this good or bad? I have been throwing up for the past hour. Why don't they just rip my heart out. We need the money desperatley but I don't even care about that I just want a YES or NO!

 
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Old 07-02-2008, 08:17 PM   #2
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Re: Please help

From what I've found in my research in the last 2 days (just found out yesterday that my own case was sent to "review" last week) I think it's okay for you to stop feeling pukey over this.

It's highly more likely that any case sent to review is an approval rather than a denial.

The info I just found out is that at least 50% of all approvals must be sent to review. That's in contrast to a mere 70 denials per branch per quarter that are randomly selected for Quality Review. The other good news is that less than 2% of approvals are reversed during the review.

So, given the odds, I think it's okay to look for that letter with a healthy dose of optimism. Just keep a tiny little portion of your sanity ready for a just-in-case contingency plan, but it really is an outside chance that you're looking at a denial.

 
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Old 07-03-2008, 07:31 AM   #3
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glasson92 HB User
Re: Please help

Thanks. Hopefully we will know soon.

 
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Old 07-03-2008, 08:23 AM   #4
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Re: Please help

I hope you get good news,and soon--this process takes way too long,it is like a form of toture or something-good luckrachel
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-Rachel

 
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Old 07-03-2008, 12:39 PM   #5
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Re: Please help

Don't even bother with the 800# if you have a local office you can walk into they WILL tell you what the decision was. For me I had to do that.

 
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