关于DISCLAIMER LETTER,请教老猫等朋友,谢谢!

最近跟CREDIT CARD公司有DISPUTE,2007年7月,他们错误地CHARGE了一个$10.28的TRANSACTION在我卡上,不但一直没给我寄BILLING,还一个月加一个月的加LATE FEE,并且RUIN了我的CREDIT.

我在两年多后RUN FREE CREDIT REPORT才发现这个错误.然后交涉,投诉,打N个电话......今天他们跟我说LATE FEE是绝对不会CHARGE我的了(已经TAKE OVER了LATE FEE $32),但因为太久了而且数目太小,他们无法帮我做FRAUD INVESTIGATINO了,而且跟我电话里谈的人也承认这可能是当时CASHIER或者ACCOUNTING出错,但他们也没办法查了(他们的记录里也没有我签名的RECEIPT).所以他们说不如大家一人退一步,我只要付了这个小小的数目$10.28,他们马上就帮我CLEAN 我的CREDIT RECORD & CREDIT HISTORY.根我谈的人还给我留了自己的EXTENSION,说只有我交了这个小数目,她会FOLLOW UP

我实在是被这事弄得精疲力竭了,所以也同意了.但是我实在不放心这公司,我想这样做:

1.在$10.28的PERSONAL CHECK的MEMO栏目写上"PAY MISTAKE CHARGE FOR SETTLE DISPUT",

2.然后还想给他们写一个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.

请问这样可以吗?谢谢!

所有跟帖： 

• 回复：关于DISCLAIMER LETTER,请教老猫等朋友,谢谢! -單身老貓- ♂ (164 bytes) () 07/06/2009 postreply 22:02:59

• 再麻烦老猫或者其他朋友帮我看看DISCLAIMER LETTER好吗?谢谢! -叶叶- ♀ (628 bytes) () 07/07/2009 postreply 19:14:59

• 谢谢老猫, 但是....这绝对不是$10.28的问题! -叶叶- ♀ (929 bytes) () 07/07/2009 postreply 18:27:33