It seems that because I was paying COBRA (a way to continue your health insurance cover after you lose your job in the USA, but at an extortionate rate), I am due a refund.

Well, the money was sent direct to one of the two bank accounts that I had registered with the company I worked for, however it went to an account that I closed in June.   I managed to contact someone at HR by email to update my home address, since I am now in the UK, and also to try and get the money sent to the correct bank account, but it’s not quite that simple as usual.

They sent me a form to fill in and send back, where I can either indicate that I no longer wish to receive money by direct deposit, or I can indicate an account that I want to remove from the list of accounts that they have for me.

Well this would be great, except having closed the account they sent the money to, I don’t have any details with me, all the paperwork is being sent by ship to the UK along with my other effects.   I do have everything I need for the account that is still open, but the form doesn’t allow me to specify this one, only the one that I closed.   Grrrrhhhh!!!

So I emailed HR back, but of course no response in the last 4 hours….

So frustrating and so complicated.   Why is it that you always need information that you don’t have easily available?

A similar thing happened to me last week with my car insurance as well.

In the UK with car insurance you acquire a No Claims Bonus discount on your policy based on the number of years without having made a claim.   It’s similar in the USA, however in the UK one insurance company can talk to another and obtain proof of your No Claims Bonus, or you can get a document direct from your own insurance company.

Well trying to get something as simple as this from my previous insurance company in the USA turned out to be less than easy as is typical.

It seems that because of the Non Disclosure laws in the USA, the insurance company cannot provide this information to anyone, including the policy holder themselves.   So, I had to spend more hours on the phone trying to talk to an agency that handles the disclosures, but they couldn’t find any information on me.  Then I had to call the insurance company back again.   Finally, I went to the web site for the agency, and was lucky to find a way to get a report.   I wasn’t sure if the report would be adequate, but found out last night that the car insurance company in the UK did actually accept the report that I sent them.   If not, it would have meant me starting out with a zero percent discount, and paying twice as much as I needed to for my insurance.

I just wonder why life has to be so difficult….

I am sure I am not alone though.  Do you have a story to tell of how life has been less than simple for you?  Feel free to leave a comment and let me know.

On Monday I had an interview for my Naturalization (US Citizenship), and all went ok except that I had to provide proof that I am paying child support, which I am.   I expected the form providing details to arrive after some weeks, but no, when I got home Wednesday night there was a letter, telling me what I needed.

Reading the details of the forms they sent, which were rather vague, it seemed that I needed to provide a notarized letter from my ex-wife as evidence of my payments, so we arranged to meet up this morning close to where she lives to get this done, and then I would take the forms into the Immigration Office where I had my interview.

We were due to meet between 8am and 8:30am, after she took my daughters to school, but no sooner had I started my 25 mile journey south on I-95, than the radio announced that the road was completely closed southbound due to an earlier accident.   Well there was no easy way to avoid the block, and I know from previous experiences that the radio is usually a good 30 minutes behind with the status of accidents.   I mean, just how long can they leave a major highway completely blocked?    As I got closer and sat in traffic, the radio gave out more information, advising people to use alternative routes, but I stuck to my guns and sat in traffic doing a very slow crawl.   It seems that at 5am there was a head-on fatal crash, and although it was a few minutes to 9am when I got to the point where they were directing traffic off the highway, the road was still closed.

The trip, which would normally take 30 minutes on a good day and 45 minutes on a normal rush hour one, took me close to 2 hours!   Of course my ex-wife was peeved since she had a busy day lined up, and I knew that I would have to maybe sit for hours in the Immigration Offices, before heading back down there to take my daughters out tonight.

Well we got the documents notarized, I headed back north, traffic a lot easier this time, and arrived at the Immigration Offices.   A rather rude lady insisted that the form they sent me was an interview date, not the date that I had to have the forms returned by.   The documentation was rather vague, but it said in block capitals that “the documentation must be returned by 29th May 2009 at 7:15am.  It did not say this was an interview date, it said disctinctly to return BY THIS DATE!   So having got nowhere with the rude lady, I headed home, where I grabbed some oatmeal and a banana, it now being after 11am and I hadn’t had a bite to eat yet.

It was after 11am by the time I got home, and by the time I had eaten, changed the bed ready for when I come home from England in 3 weeks time, put some laundry on, and then Debbie came home from work.   I explained the situation with the papers to her,  and she suggested writing a letter and sending it off.  “Great idea” I thought, so I composed a letter explaining how vague the instructions were, enclosed the documents, put it in the mail, and at the same time turned on the sauna in the small fitness room on the 1st floor of the condo building.   I then did a bit of work online, watched some fo the American Idol show I taped earlier in the week, and went to take my sauna.

“Oh great!”  I get down to the sauna to find that someone has gone in and turned it off, it’s only lukewarm in there.  It needs a good 45 minutes to warm up, so I headed to the pool, got chatting to one of the residents here who is down by the pool most afternoons, did 20 lengths of the pool, and by that time almost an hour was up.   Headed back to the sauna and “oh yeah” nice and hot.  I knew something had to go right for me!   Had a good sauna and steam, then realized the time, hit the shower, and had to head out to see my daughters for the evening.

I normally see my daughters ( aged 4 and 8 ) on a Saturday and take them to breakfast and to the park, but sometimes, like today, I take them out for pizza.  Of course this meant a 25 mile drive south for the second time today, I picked them up, took them to the park at the soccer fields where they play, had a good kick around, then out to the pizza buffet, and back to their house.

I had to leave them early, because I had remembered earlier that I had to pick my suit up from being altered.  It wouldn’t be ready until 5pm, and of course I would be with them at that time, but the store was open until 9pm.   Of course the store is 5 miles north of where I live and also west, so I had an hour to make the 35 mile trip.  All was going well until just before I had to exit the highway, when I came across another accident which almost blocked the road.  I had a minor panic for a minute, thinking I would be stuck and not able to get to the store in time, but the traffic kept flowing and I made it.  PHEW!

Now I don’t need the suit for my trip to England.  I need it for a dance the night after I get back.  My 8 year old is in the girl scouts, and they have an annual “Me And My Guy” dance where the Dad’s take their daughters to the ball.   She enjoys it, but I feel a bit awkward not really knowing any of the other Dad’s.   I suppose I could have picked the suit up the day after I return from England, but the last thing I want to do is to have to worry about that when I have jet lag and am about to have a late night.

And so I finally return home at 9pm, tired, sticky, frustrated, actually really tired, and the guy I rent with wants to know if I want to take a walk.  Having eaten way too much pizza and needing the exercise I agreed, so we took a good 4 mile walk around the lake and through part of the golf course, which is always nice.  We both enjoy walking in the evenings, the exercise is good after a meal, it’s nice to be off the road where there are fewer lights and the stars are clearer, and fortunately tonight we were a bit later, because if we don’t time it right, we have to dodge the sprinklers.  It all adds to the fun, but these walks are great for clearing your head and letting off steam as well.

So 9 hours after I started this article, it’s about complete.  I am exhausted, ready to hit the hay, and hopefully tomorrow will see a couple of good flights, no delays, a smooth ride, and a happy Debbie waiting for me at the other end.

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