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Sunday, August 18, 2019
STATE FARM DENIAL LETTERS COMPILATION
Claim Number 55-06c6-44x STATEMENT OF A SERVICE OFFER WHICH THE OFFEROR HAD NO INTENTION TO FULFILL
AUGUST 18, 2020 GORDON LIU
CLAIM SPECIALIST
STATE FARM HOME INSURANCE
RE: Claim Number 55-06c6-44x
Policy Number 77-C3-B499-7
DATE OF LOSS: April 26, 2020
STATEMENT OF A SERVICE OFFER WHICH THE OFFEROR HAD NO INTENTION TO FULFILL
Dear Mr. Liu: PLEASE SEE, PAR. 9 DENIAL LETTER dated August 14, 2020You wrote,
" If you have any additional information regarding your claim which has not been previously considered or if you desire any additional explanation regarding this matter, please contact me."
You wrote, specifically, " if you desire any additional explanation regarding this matter, please contact me. " COMMENTS :
This statement " if you desire any additional explanation regarding this matter, please contact me. " had been written, relayed to us, offered in the denial letters from May 6, 2020 to August 14, 2020. But you have habitually failed to translate these words into action as you constantly refused to answer my questions and inquiries as demonstrated by your files of emails from me which you habitually failed or refused to respond. THIS IS TANTAMOUNT TO HABITUAL STATEMENT OF A SERVICE OFFER WHICH THE OFFEROR HAD NO INTENTION TO FULFILL. IN OTHER WORD, MISREPRESENTATION OR CHEATING. Please acknowledge receipt of this e-mail and kindly inform me when I should expect a reply to this email. Please be reminded that your DENIAL LETTER DATED MAY 6, 2020 was prepared, relayed to us, sent and read by us in just a few minutes. Thank you very much. Yours faithfully, Antonio L. Buensuceso |
Claim Number 55-06c6-44x STUDY THIS CLAIM THOROUGHLY AND DEFINE YOUR POLICY DEFENSES NOW NOT LATER
AUGUST 18, 2020 GORDON LIU
CLAIM SPECIALIST
STATE FARM HOME INSURANCE
RE: Claim Number 55-06c6-44x
Policy Number 77-C3-B499-7
DATE OF LOSS: April 26, 2020
STUDY THIS CLAIM THOROUGHLY AND DEFINE YOUR POLICY DEFENSES NOW NOT LATER
Dear Mr. Liu: PLEASE SEE, PAR. 8 DENIAL LETTER dated August 14, 2020You wrote,
" This company does not intend by this letter to waive any policy defenses in addition to those stated above and reserves its right to assert such additional policy defenses at any time. "
You wrote, specifically, "This company does not intend by this letter to waive any policy defenses in addition to those stated above " COMMENTS :
Please read your denial letter dated August 14, 2020 below. There are eight (8) paragraphs containing no policy defense in it. Look closely, this statement " This company does not intend by this letter to waive any policy defenses in addition to those stated above " is from PAR.8. Then read PAR. 1 to 7 and show me where in those paragraphs I can find your policy defenses. Honestly, I could not find any. I therefore, urge you to re write your denial letters showing clarity and truthfulness in your statements to avoid confusion and cause unnecessary delay in our negotiations.
PLEASE STUDY THIS CLAIM DILIGENTLY AND THOROUGHLY AND DETERMINE ALL PERTINENT POLICY DEFENSES APPLICABLE TO MY CLAIM NOW. ASSERTING ADDITIONAL POLICY DEFENSES LATER SHOWS THAT YOU HAVE NOT ACTUALLY DILIGENTLY AND PRUDENTLY AND THOROUGHLY DEVOTED TIME TO STUDY THE CASE WHICH IS REFLECTIVE ON YOUR PART OF A VIOLATION OF THE IMPLIED COVENANT OF GOOD FAITH AND FAIR DEALING BETWEEN US.   Please acknowledge receipt of this e-mail and kindly inform me when I should expect a reply to this email. Please be reminded that your DENIAL LETTER DATED MAY 6, 2020 was prepared, relayed to us, sent and read by us in just a few minutes. Thank you very much. Yours faithfully, Antonio L. Buensuceso |
Saturday, August 17, 2019
Claim Number 55-06c6-44x STATEMENTS MEANT TO CONFUSE dated 17aug20
AUGUST 17, 2020 GORDON LIU
CLAIM SPECIALIST
STATE FARM HOME INSURANCE
RE: Claim Number 55-06c6-44x
Policy Number 77-C3-B499-7
DATE OF LOSS: April 26, 2020
STATEMENTS MEANT TO CONFUSE
Dear Mr. Liu: PLEASE SEE, PAR. 6 DENIAL LETTER dated August 14, 2020You wrote,
" Your demand that the decision by State Farm to deny this claim be reversed is respectfully declined. Our position as communicated in our letters to you dated May 6, 2020, June 12, 2020, July 13, 2020, July 17, 2020 and July 31, 2020 are unchanged. This claim file remains closed. All conditions previously quoted still apply. "
You wrote, specifically, "All conditions previously quoted still apply " COMMENTS :
Please be clear. Please enumerate all those conditions, define and explain each one of them. I am confused with this statement. That is why I am commenting please be clear and on what you are writing to avoid confusion. Please acknowledge receipt of this e-mail and kindly inform me when I should expect a reply to this email. Please be reminded that your DENIAL LETTER DATED MAY 6, 2020 was prepared, relayed to us, sent and read by us in just a few minutes. Thank you very much. Yours faithfully, Antonio L. Buensuceso |
Claim Number 55-06c6-44x WHILE WE ARE NEGOTIATING CLAIM FILE SHOULD BE OPEN
AUGUST 17, 2020 GORDON LIU
CLAIM SPECIALIST
STATE FARM HOME INSURANCE
RE: Claim Number 55-06c6-44x
Policy Number 77-C3-B499-7
DATE OF LOSS: April 26, 2020
WHILE WE ARE NEGOTIATING CLAIM FILE SHOULD BE OPEN
Dear Mr. Liu: PLEASE SEE, PAR. 6 DENIAL LETTER dated August 14, 2020You wrote,
" Your demand that the decision by State Farm to deny this claim be reversed is respectfully declined. Our position as communicated in our letters to you dated May 6, 2020, June 12, 2020, July 13, 2020, July 17, 2020 and July 31, 2020 are unchanged. This claim file remains closed. All conditions previously quoted still apply. "
You wrote, specifically, "This claim file remains closed. " COMMENTS :
Please be clear. What claim file remains closed do you mean? We are still in the process of negotiating, why should the claim file be closed and remained to be closed. "This claim file remains closed. " discourages will of negotiating parties to promote holistic exchange of views necessary to the success of the negotiation. That is why I am commenting please be clear and on what you are writing to avoid confusion. Please acknowledge receipt of this e-mail and kindly inform me when I should expect a reply to this email. Please be reminded that your DENIAL LETTER DATED MAY 6, 2020 was prepared, relayed to us, sent and read by us in just a few minutes. Thank you very much. Yours faithfully, Antonio L. Buensuceso |
Claim Number 55-06c6-44x POSITIONS UNCHANGED BUT LIU CHANGED THEM HIMSELF dated 17aug20
AUGUST 17, 2020 GORDON LIU
CLAIM SPECIALIST
STATE FARM HOME INSURANCE
RE: Claim Number 55-06c6-44x
Policy Number 77-C3-B499-7
DATE OF LOSS: April 26, 2020
POSITIONS UNCHANGED BUT LIU CHANGED THEM HIMSELF
Dear Mr. Liu: PLEASE SEE, PAR. 5 DENIAL LETTER dated August 14, 2020You wrote,
" Your demand that the decision by State Farm to deny this claim be reversed is respectfully declined. Our position as communicated in our letters to you dated May 6, 2020, June 12, 2020, July 13, 2020, July 17, 2020 and July 31, 2020 are unchanged. This claim file remains
closed. All conditions previously quoted still apply. " You wrote, specifically, " Our position as communicated in our letters to you dated May 6, 2020, June 12, 2020, July 13, 2020, July 17, 2020 and July 31, 2020 are unchanged. " COMMENTS :
Please be clear. State what position exactly you are referring to. It is confusing for me to understand what message you want to deliver. What position are you writing that are unchanged. Write them down clearly and straight forward. In fact, the record of our communications showed you had changed your position, see your denial letters dated May 6, 2020 and June 12, 2020 in particular carried with it messages pertaining to written report by John Titouah submitted to you, but in denial letter dated July 31, 2020 you denied existence of Titouah's written report but only verbal conversation. That is why I am commenting please be clear and on what you are writing to avoid confusion. NOW PLEASE CHOOSE AMONG THE DENIAL LETTERS OF May 6, 2020, June 12, 2020, July 13, 2020, July 17, 2020 and July 31, 2020 YOU WANT TO RE WRITE TO DELIVER YOUR MESSAGE CLEARLY REFLECTING CHANGES YOU WANTED TO PURSUE. Please acknowledge receipt of this e-mail and kindly inform me when I should expect a reply to this email. Please be reminded that your DENIAL LETTER DATED MAY 6, 2020 was prepared, relayed to us, sent and read by us in just a few minutes. Thank you very much. Yours faithfully, Antonio L. Buensuceso |
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