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-   -   Wife's employer didn't take out accident insurance (I think) (https://www.englishforum.ch/insurance/107874-wife-s-employer-didn-t-take-out-accident-insurance-i-think.html)

Belgianmum 22.09.2011 21:04

Re: Wife's employer didn't take out accident insurance (I think)
 
Quote:

Originally Posted by Cosmos (Post 1349407)
I won't sign anything without getting a native speaker to have a look over it first, as I've done in the past with Belgiummum.

If they don't speak English I will be sure to give one of you a ring. I have both your numbers.

I'd be happy to help. I'll be in Neuchatel tomorrow lunchtime if you want me to look over anything.

Cosmos 23.09.2011 11:01

Re: Wife's employer didn't take out accident insurance (I think)
 
Following Shorrick's excellent post I did some digging and actually translated some of the letter and found the representative and the contact details which are on the Hospital website.

I will give this chap a call later to clear up the confusion. If that fails I will call the office des poursuites.

No reply from the employer.

23.09.2011 11:11

Re: Wife's employer didn't take out accident insurance (I think)
 
Quote:

Originally Posted by Cosmos (Post 1348768)
Looks like that wasn't my last post as this has reared it's ugly head again.

I got a bill from the office de poursuites today for my wife for an unpaid bill to the hospital. She hasn't received a single invoice from the hospital, yet received a letter from debt collectors.

Her employer not paying her bills is another matter altogether.

Anyway I will probably contact her employer and see what's up and contact the debt collection agency as well.

I just can't believe without a single invoice it's jumped straight to this.

You only have a few days to object to the accusation. You need to photocopy the letter and write on it "Rechtsvorschlag erhoben" sign it and send it back before the 5 days are up after you received it.
Do that today! What is the correct term in French meaning Objection made! Maybe "Proposition législative soulevées"

As for the debt collectors, unfortunately they are more difficult, as legally they are selling "Black lists" but you might be able to convince them it's not your bill to pay.

Maybe the hospital sent the bills to the employer and she convinced them to send them to you? I think you could visit the Employment Tribunal, and get this employer before a judge, she might then change her attitude.

Shorrick Mk2 23.09.2011 11:37

Re: Wife's employer didn't take out accident insurance (I think)
 
Quote:

Originally Posted by Ittigen (Post 1350250)
You only have a few days to object to the accusation. You need to photocopy the letter and write on it "Rechtsvorschlag erhoben" sign it and send it back before the 5 days are up after you received it.

Not if it came from a debt collector as opposed to the betreibung / poursuite.

Quote:

Do that today! What is the correct term in French meaning Objection made! Maybe "Proposition législative soulevées"
Opposition totale. But again that doesn't work with a letter.

Cosmos 23.09.2011 11:47

Re: Wife's employer didn't take out accident insurance (I think)
 
Quote:

Originally Posted by Ittigen (Post 1350250)
You only have a few days to object to the accusation. You need to photocopy the letter and write on it "Rechtsvorschlag erhoben" sign it and send it back before the 5 days are up after you received it.
Do that today! What is the correct term in French meaning Objection made! Maybe "Proposition législative soulevées"

As for the debt collectors, unfortunately they are more difficult, as legally they are selling "Black lists" but you might be able to convince them it's not your bill to pay.

Maybe the hospital sent the bills to the employer and she convinced them to send them to you? I think you could visit the Employment Tribunal, and get this employer before a judge, she might then change her attitude.

It's not a huge amount so I will probably just end up paying it myself. I'm sick of the whole situation and was hoping that it was over.

Belgianmum 23.09.2011 12:35

Re: Wife's employer didn't take out accident insurance (I think)
 
Quote:

Originally Posted by Cosmos (Post 1350304)
It's not a huge amount so I will probably just end up paying it myself. I'm sick of the whole situation and was hoping that it was over.

I think I'd be inclined to do the same if the amount is really so small. The important thing here in my opinion is to make sure that you don't get listed at the Office des Poursuites as having 'bad' debts as this could have implications for you in the future.

23.09.2011 12:36

Re: Wife's employer didn't take out accident insurance (I think)
 
Quote:

Originally Posted by Cosmos (Post 1350304)
It's not a huge amount so I will probably just end up paying it myself. I'm sick of the whole situation and was hoping that it was over.

if you do end up doing this, I'd then start proceedings against the employer as they've not met their obligations with regards to insurance coverage.

Belgianmum 23.09.2011 12:53

Re: Wife's employer didn't take out accident insurance (I think)
 
Just had another thought. It might be worth making sure that all the other hospital bills have been paid. It may just be that this one slipped through the net but if the employer 'forgot' some of the other bills along the way you might end up with some more 'nasty shocks' falling into your letter box.

Cosmos 23.09.2011 13:07

Re: Wife's employer didn't take out accident insurance (I think)
 
Quote:

Originally Posted by KB88111 (Post 1350402)
if you do end up doing this, I'd then start proceedings against the employer as they've not met their obligations with regards to insurance coverage.

I don't really have the time or patience for that :o

Quote:

Originally Posted by Belgianmum (Post 1350444)
Just had another thought. It might be worth making sure that all the other hospital bills have been paid. It may just be that this one slipped through the net but if the employer 'forgot' some of the other bills along the way you might end up with some more 'nasty shocks' falling into your letter box.

That's a good point. I will ask when they call me back later today.

isabelvanden 26.09.2011 22:23

Re: Wife's employer didn't take out accident insurance (I think)
 
Thatis correct, nbo franchise is what i had to pay when we claimed the accident of our nanny through our insurance


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