u/Constant_Goat_5731

When I got approved for disability I was still paid the amount for ssi the same month. I didn’t think anything of it but payed of a large bill with the money. 2 months later I received a letter saying I need to pay the money back. I didn’t have the money and saw that I could pay how much I could then and they could work out a payment plan. I wrote a check for 200 but was charged the full amount making my bank account go negative. I called them to let them know I did not approve the full amount and what happened and they told me that because this wasn’t my fault that I should fill out the Waiver of over payment. I explained to them that it was already charged and they told me I would receive a refund. I just check my messages in the website to see if I got an update but instead I got a message saying my bill was paid in full. In this case what do I do? Take the L?

Shopping for car insurance as a young adult is frustrating. I’ve heard great things about Amica and did a quote which they would charge me 288 a month for a 6 month period it was a total of 2299. So essentially it would be 383 a month but because I live in California they want me to pay a down payment of 1150. Is this a normal thing? I currently have Geico they are charging me 474! I did one of those 3rd party insurance quotes which said Geico would charge me 167 with just liability. It took me directly to the website to input all the details and essentially I was quoted 350 dollars if I were a new policy holder with a lower deductible from 1500 to 500! I called them to see if I could get that policy and they said no because I’m already a current policy holder and I have to wait 6 months after I cancel my policy. Why such a drastic drop? In all transparency I know my insurance would be higher due to an accident on my record but what changed in the 6th month period for it to drop to 474 to 350 everything the same except the lower deductible?