About Michael Brotherton Expertise Consumer/Debtor Rights Advocate.
Mike Brotherton is a negotiator with over 30 years experience in consumer lending and collections. Mike has 30 years in the credit and collections industry as a former loan officer, debt collector and manager of two finance companies over several years.
Mike is well versed in Loss Mitigation practices and the legal collection process. He has helped literally thousands of people over many years overcome serious financial problems such as foreclosure, creditor lawsuits and abuse by debt collectors. For more information about resolving your "financial emergency" visit www.financialemergency.com.
FinancialEmergency.com is a consumer web site which actively promotes Fair Debt Collection Practices and other consumer protection laws. We teach DEBTOR RIGHTS and enforcement of those rights. The more informed you are of your rights and the credit collections practices of creditors the more peace you can have dealing with your FINANCIAL EMERGENCY.
Most financial problems are fairly common and as such have some very common solutions. The key is understanding your rights in the collection process and how to enforce them if need be.
Primary business- Debtor Rights Advocacy and Debt Mitigation relating to foreclosure, creditor lawsuits, and other serious financial problems.
www.financialemergency.com (copy and paste in browser).
Experience 30 years experience negotiating disputes and resolving financial issues related to consumer debt, corporate debt, and mortgage restructuriing.
Question Hi. We moved several months ago. The moving company overcharged me by $269. I disputed the charge and it was initially removed. The credit card company then added the charge back.
They said that it was a billing dispute between me and the mover. I disagreed and said it was fraud. The moving company altered the bill of lading that was signed by the crew leader and me, and they added 1.5 hours to the total. I can establish they should not have added this amount because I kept track of the hours worked.
I submitted the original bill of lading and the altered one, as well as my notes, to the credit card company.
Their response was this is not fraud, it is a billing dispute, and they will not become involved.
My question is - is the credit card company correct?
Answer The credit card company doesnt want to get involved in a dispute this small. They have much bigger issues of fraud to deal with. Although this may be a fraud you would have to have substantial evidence of fraud to make this charge.
File a complaint with the state attorney general and the federal trade commission or any state agency that regulates moving companies in your state. You may also file a small claims petition and let the judge decide. It is likely that once the company receives the summons or complaint they will refund your money just to get rid of it.
