People are stealing from me, but it's legal

[rinue]

There are certain things I feel should not happen in an age of computers, and most of those involve long delays in communications during time periods that fall within the business week and which are the only duties of the people who conduct them. By that I mean: I recently consolidated all of my student loans. All of the loan holders know this. I have letters from them. I have verbal confirmations from them. I can even look on a federal website and see that it's true. However, none of the collections departments of these entities are aware of the changes, because none of the original loan holders thought it was important to tell them. Or, more exactly, they tell me to wait until 60 days have passed. In the meantime, the collections departments want to report me to credit agencies and can't believe that I would think they hadn't been told, more than 30 days in, because we live in an age of computers and it would have taken only a moment's thought for someone to let them know to stop collection.

I am totally sympathetic to the collections departments. I am also not interested in sending them money that they will have to take another few months to figure out they need to send back to me. I need that money for my actual loans which are accruing interest even now. It makes me furious that right now any credit agency who wanted to could find information that I'm delinquent in payments and that I owe twice as much money as I owe (because I owe it to the original lenders and the consolidators until the original lenders fully figure out I don't still owe them the money they've already been paid). It doesn't really cut it with me that "oh, it's just that it sometimes takes a few months for everything to process." That's not acceptable when you're not waiting several months to threaten legal action against me, and it's not acceptable in an age of computers, when all of the databases should automatically synchronize within three to five business days.

Comments

[valancy.livejournal.com]

AT&T, every time C. moves, tries to bill him $400 despite agreeing not in advance. Companies make me angry quite a bit lately - making so little effort to help the ones they serve (or condemn), and so many efforts to help themselves. I want to beat up all your loan companies. And the insurance companies. And the DMV...

[rinue.livejournal.com]

Yeah. The city of Richardson has a warrant out on Ciro because they moved computer systems and think he owes them $1000 from nine years ago, because they didn't move over the well-documented information that it was taken care of nine years ago. We're having our lawyer call them.