To start with I have to say that 'yes' I am 67 nearly 68 but my hearing was checked a couple of months ago and is spot on.
However, whenever I call someone about to book something or set up a new broadband provider etc., I tend to get someone who cannot speak clearly and I have to keep saying 'can you repeat that?' Rang to book a referral appointment for OH this morning because his hearing isn't great and he has given up trying to decipher what people are saying to him, but I was unable to make out what the young woman was trying to say, and I don't mean that these people have foreign accents, they just don't pronounce words clearly. Finally I managed to book the appointment. Is so exasperating.
When I talk to friends or family on the phone I have no such difficulty, so cannot understand it.
Also we use subtitles on the telly and laptop when watching something because it seems to be fashionable for actors to mumble their way through a film. Am afraid Matthew Mcconaughey may as well be speaking Chinese.