請教是不敢當，不過是以前的經驗（叫天天不應，叫地地不靈，四處碰壁後得到的）而已。修車的黑店也好，別的黑店也好，一旦有PAYMENT DISPUTE，老魚都是於理力爭，堅決不付。然後再給發一封GENERIC的信（範本如下；此信在我重要DOCUMENT裏放著，是不是就拿出來用用。很管用。IT NEVER FAILS ME）。
範本如下：
Gentlemen:
I have discovered that XXX（對方） has been CHARGING XX（AMOUNT OF MONEY） last month. I have no idea where or who AUTHORIZED YOU TO CHARGE THIS AMOUNT OF MONEY AND I also
didn't know THE SERVICE this company PROVIDED at all (never heard of until this
unauthorized charge to ME). So XXX should
with all deliberate speed, produce my original order for
their services. If they cannot produce such an agreement,
they should immediately issue a check payable to me, Dr. XX（ME，LAOYU）, for a full refund of in the amount of $XX and mail it to
my home address, listed below; or return my money back to my
credit card.
In any case, they should immediately cease and desist in any
activity concerning my BILL. If this is not done
within ten (10) business days, I will formally turn the
matter over to someone who can take care of it.
Yours very truly,
XXX（老魚真名）
範本如下：
Gentlemen:
I have discovered that XXX（對方） has been CHARGING XX（AMOUNT OF MONEY） last month. I have no idea where or who AUTHORIZED YOU TO CHARGE THIS AMOUNT OF MONEY AND I also
didn't know THE SERVICE this company PROVIDED at all (never heard of until this
unauthorized charge to ME). So XXX should
with all deliberate speed, produce my original order for
their services. If they cannot produce such an agreement,
they should immediately issue a check payable to me, Dr. XX（ME，LAOYU）, for a full refund of in the amount of $XX and mail it to
my home address, listed below; or return my money back to my
credit card.
In any case, they should immediately cease and desist in any
activity concerning my BILL. If this is not done
within ten (10) business days, I will formally turn the
matter over to someone who can take care of it.
Yours very truly,
XXX（老魚真名）
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