Even after 20 years here, there are some things that make me so mad I just have to....to....well, blog about them.
This morning I took a call for my husband (who was at work. - Why do they call the house during office hours?). I took the woman's details then asked what it was about as my husband won't call back if he thinks it's a marketing call. Turns out is was a debt collection agency. This is not good as anything referred to a debt collection agency goes on your credit history for 7 years. Fortunately we pay off cards and generally have a good credit report, so it won't really matter...but it could.
OK, so I established there's an unpaid bill, which really surprised me as we're very good about paying bills, like most people. This one was from a hospital check-up back in October 2010, for a couple of grand. Funny. We have health insurance and have used doctors at that hospital many times. Hmmm....time to investigate.
Turns out that we were new to this particular department, who are claiming to have no details of our health insurance. The fact that all our information is on the computers at this hospital doesn't seem to matter. The fact that no one in the past few months has ever asked for our details doesn't seem to figure into this equation. Too late - it's gone to the debt collection agency.
Now, before you all get up in arms on our behalf - it can be solved, ie. we won't have to pay the dollar amount in question. Apparently the Ball & Chain has been trying to iron out this bullcrap for a few months now, and it's worse than dealing with the government. The individual department keeps telling him that they have no record of him ever having health insurance (as if..) despite the B&C giving them all the details every time he talks to them. For some reason, the person taking down the information must be writing them on the back of a cigarette packet or something, because they never seem to get put into any system.
And so the way companies typically deal with this type of problem is to refer them to a debt collection agency. Which, as I said, affects your credit rating. If we were a younger couple, trying to get a mortgage or a car loan, this would have a major impact. The fact that the error is fully and squarely the fault of the company means nothing.
Just makes my blood boil.