關於DISCLAIMER LETTER,請教老貓等朋友,謝謝!

最近跟CREDIT CARD公司有DISPUTE,2007年7月,他們錯誤地CHARGE了一個$10.28的TRANSACTION在我卡上,不但一直沒給我寄BILLING,還一個月加一個月的加LATE FEE,並且RUIN了我的CREDIT.

我在兩年多後RUN FREE CREDIT REPORT才發現這個錯誤.然後交涉,投訴,打N個電話......今天他們跟我說LATE FEE是絕對不會CHARGE我的了(已經TAKE OVER了LATE FEE $32),但因為太久了而且數目太小,他們無法幫我做FRAUD INVESTIGATINO了,而且跟我電話裏談的人也承認這可能是當時CASHIER或者ACCOUNTING出錯,但他們也沒辦法查了(他們的記錄裏也沒有我簽名的RECEIPT).所以他們說不如大家一人退一步,我隻要付了這個小小的數目$10.28,他們馬上就幫我CLEAN 我的CREDIT RECORD & CREDIT HISTORY.根我談的人還給我留了自己的EXTENSION,說隻有我交了這個小數目,她會FOLLOW UP

我實在是被這事弄得精疲力竭了,所以也同意了.但是我實在不放心這公司,我想這樣做:

1.在$10.28的PERSONAL CHECK的MEMO欄目寫上"PAY MISTAKE CHARGE FOR SETTLE DISPUT",

2.然後還想給他們寫一個DISCLAIMER LETTER:
" THIS PAYMENT IS TO SETTLE THE DISPUTE ABOUT A WRONGFUL CHARGE OF $10.28 RECORDED ON 7/31/2007 DUE TO A RECORD MISTAKE MADE BY VICTORIA'S SECRET AND BASED ON THE UNDERSTANDING THAT VICTORIA'S SECRET WILL CLEAN *****'S CREDIT RECORD AND CREDIT HISTORY IMMEDIATELY AFTER RECEIVING SUCH PAYMENT. I RESERVE THE RIGHT TO SUE/TAKE LEGAL ACTION IF MY MORTGAGE INSTEREST WILL GO UP DUE TO CREDIT SCORE DECREASE FROM THIS MISTAKE.

請問這樣可以嗎?謝謝!

所有跟帖： 

• 回複：關於DISCLAIMER LETTER,請教老貓等朋友,謝謝! -單身老貓- ♂ (164 bytes) () 07/06/2009 postreply 22:02:59

• 再麻煩老貓或者其他朋友幫我看看DISCLAIMER LETTER好嗎?謝謝! -葉葉- ♀ (628 bytes) () 07/07/2009 postreply 19:14:59

• 謝謝老貓, 但是....這絕對不是$10.28的問題! -葉葉- ♀ (929 bytes) () 07/07/2009 postreply 18:27:33