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There’s an old saying that time is money. There’s also the view that, on occasion, getting money owed to you is more bother than it’s worth. My wife Suzie and I have reached that stage over a $2000 cell phone bill.
In the lead-up to retirement, we made a concerted effort to streamline our finances. That’s when it came to light that we’d been billed for a third cell plan going back several years. Suzie had assumed my plan was coming out of her checking account as well as her own, and never questioned the two payments. In fact, my plan was coming out of my own account the whole time.
Suzie called the provider and walked the account staff through the whole story, in full detail. Then she did it again. And again. All told, over the last eighteen months, she has spent an unbelievable number of hours getting nowhere.
The company is a Byzantine labyrinth, a giant, incompetent telecom that seems constitutionally incapable of resolving the issue. Every phone call and every email thread has to start from scratch, because no one on their end can keep the case history straight. Line supervisors and department managers promise to look into it and call back. They don’t.
At this point, we’re down to two options. We can ask the UK’s semi-independent communications watchdog to investigate on our behalf, or we can hire a legal representative and pursue it through the courts. That’s when I asked Suzie, over dinner one evening, whether it was really worth the energy to keep plugging away.
Some of these calls run over an hour, and afterward she’s stressed to the max and in bad form for hours. In my mind, the $2000 isn’t worth what it’s costing her. Suzie wasn’t ready to hear it at first. She’d put too much into this to walk away empty-handed.
“I know it feels like quitting now would waste everything you’ve done,” I said. “But that’s the sunk-cost trap. The time’s already spent. It can’t be recovered, and it shouldn’t decide what we do next.”
After a bit more back and forth, she reluctantly came around to my way of thinking. So we’re throwing in the towel. Not because we’re in the wrong, but because being in the right isn’t much comfort when it’s eating your evenings and your peace of mind.
For all that, we can’t pretend we’re blameless here. We don’t owe this money, but we do own the fact that we let it slide for years without noticing. Two people who consider themselves careful with money let a third phone bill run under the radar simply because neither of us thought to ask the other a simple question. The real lesson isn’t about telecom companies at all.
It’s about talking to each other more, and more specifically, about who’s paying for what. A five-minute conversation a few years ago would have saved eighteen months of grief.
100% with you Mark. I can’t deal with putting myself or my family through unreasonable grief and headache, for an amount of money that would actually make no difference to lifestyle or future financial security.
Onwards and upwards!
Mark,
I recognize the decision to give up as a valid one. Some thoughts: (1) post on social media, identifying the company by name, the barriers you’ve encountered, and ask for comments (2) change telecom providers and make sure they know why, (3) in the US there is a process called small claims court – not sure if you have that option.
I’ve read that the social media post approach can be quite effective.
Jeff, good point about the social media approach. I haven’t tried it recently, but years ago I was having a huge hassle with Blue Cross / Blue Shield. They were completely nonresponsive and unhelpful.
I decided to post on their Facebook page to get their attention and put it out in public. It worked and they finally responded to me.
That said, if you go that route, I’d be very careful that you’re accurately stating the facts (and can prove it if necessary). Once you’ve said it in public, if they claim it’s false, you could have libel problems.
Mark, your story brought back a memory. A couple of years ago, Mum wandered off shopping at Heathrow and came back with a Burberry scarf that had cost around $1,000. Yikes! She hadn’t really understood what she was spending, and we agreed it should go back, but by then it was too late to return to the store. Once we were home, I called Jonathan and asked what I should do. His advice was simple: let it go. So I did.
Mum eventually gave the scarf to Dean, and I told him to treat it as a valuable asset! Besides, who needs a $1,000 scarf in Florida?
Your article reminded me that sometimes pursuing money we’ve lost or are owed ends up costing us something equally valuable,our time and peace of mind. Jonathan understood that, and I think you and Suzie have reached the same conclusion.
You made an honest mistake, brought it to their attention, and learned that they did not care. Do not beat yourself up. I’ve previously read on this site, and agree, that when taking a loss such as this, it is useful to consider the magnitude of that loss relative to your net worth. Putting it into perspective this way would not reduce my disgust toward the incompetent/unethical behavior of the company representatives, but would help to reduce my anger or stress level and guide my decision making whether and what to do about it. So, if pursuing this matter means spending even more time plus paying legal fees which may diminish or wipe out any refund owed to you, it would be easier to take the loss. I have experienced a similar loss due to fraud, and while it took a while for my anger to dissipate, it did. You can still complain and let others know what sort of service they are providing.
Mark,
Maybe Suzie’s already done this, but if not there’s one last option she might consider. When regular channels prove fruitless, I’ll scour the web for the email address of the CEO of the company in question.
A website called http://www.ceoemail.com might help (scroll down and there’s a link for UK companies). Or, if you can at least find the email address protocol for the company, e.g. “John.Smith@ABCCorp.com,” you can make a good guess. If you’re unsure whether to, say, include a middle initial, send the email both ways. The one that doesn’t bounce back is probably correct.
Write an email to the CEO. On occasion I’ve had the CEO him/herself answer, but usually it’s someone from the “Executive Escalations” dept. or some such. These people have the power to cut through the B.S. and actually help you.
Of course, sometimes the attempt is in vain, but I’ve had remarkable success with it over the years, including with some of the biggest companies in the U.S. (Chase Bank, Home Depot, Honda U.S.A., Verizon, PayPal, Charter Communications/Spectrum, etc.)
And it won’t cost Suzie a lot of time—just the time to explain the situation. From your article, it sounds like she’s already written the explanation, so just a cut-and-paste.
Good luck,
Andrew
Good suggestions Andrew. I’m still old fashioned and in addition to the email, I would mail a written letter and send it certified with a written receipt. An email might get received by them as junk/spam.
Olin, thanks for the suggestion. I like email because it’s fast, easy (and free). My experience has been that if they’re going to reply to your email, it’ll happen within a day or two. If no response by then, and it’s something you’re really fired up about, following up with the certified letter could be a good move.
Good call! We pay everything through one account, so we wouldn’t have a problem like yours. But it’s important to recognize that the cost can be more than the benefit.