Am I obliged to provide credit card statement to debit recovery company?

BLT_2

hc76 wrote: »

Thanks for all the replies.

I haven't admitted to anything yet - I have just challenged them to prove that I owe them money. The response to this from both Dell and the debt recovery company is to ask for my credit card statement. This suggests to me that their records are in a mess.

If they had come back to me after one or two months I would have been a bit more simpathetic to them. I feel that coming back to me more than 12 months after the event and asking me to prove what I paid is taking the mick a bit.

I'm sure they are still legally entitled to chase the debt although I'm not sure I have to show them my credit card statement. I could have lost it by now anyway, it was 16 months ago...

On the other hand if I refuse to play ball what will their next step be?

Is this a comedy post? The OP states that he knew he was undercharged by the company concerned and is now acting aggrieved because they have dared to come back and ask him to pay full price for the items he has taken from them. I could only chuckle when he said if they had found out earlier he would have been more sympathetic to them.

He states he is self employed, If he's a builder I would recommend anyone to avoid employing him, clearly he has integrity issues.

lisyloo

I agree with the post above (post 21 by udydudy)
The burden of proof is theirs.
BUT I wouldn't go out and spend the money, I'd put it to one side earning interest.

I don't agree the op has integrity issues.
Dell are trying to pass on a debt when they don't know the amount owed to the OPS detriment. Dell are not acting with integrity in doing that.

WRINKLES

Send a prove it letter and leave it at that

Fang_3

Why haven't you paid the remaining balance in the 16 months that you've owed the money?

stator

Take how much you know you owe them, divide it by 2 and send them a letter offering them that amount as full and final settlement of the matter. Don't tell them how much you do owe.

WRINKLES

I would not pay any dca any money untill they provide proof of what they are claiming

udydudy

BLT wrote: »

Is this a comedy post? The OP states that he knew he was undercharged by the company concerned and is now acting aggrieved because .......He states he is self employed, If he's a builder I would recommend anyone to avoid employing him, clearly he has integrity issues.

Integrity???? Yes Dell made a mistake, the OP knew it kept quiet. but are now asking for more than the unpaid amount!!! Dell is the one with integrity issues, If I was in Dells place I would have sent a clear letter stating value of Invoice, paid amount and asking for remainder within 30 days. Only after having proved myself would I ask the other person to provide proof why they differ. I would assume Dell thought they could threaten the OP into paying up andhaving moved it to the DCA are trying to recover costs as well!!!. Now that is an integrity issue especially coming from a corporate as big as Dell!!!.

Why cannot Dell just provide proof and then refer the OP to DCA/court. I can guess why...they know its their mistake and do not have records oing back 1 year. So they rely on their reconciliation balance of their computer system but do not have back up documents, thats why!!!!

BLT_2

udydudy wrote: »

Integrity???? Yes Dell made a mistake, the OP knew it kept quiet. but are now asking for more than the unpaid amount!!! Dell is the one with integrity issues, If I was in Dells place I would have sent a clear letter stating value of Invoice, paid amount and asking for remainder within 30 days. Only after having proved myself would I ask the other person to provide proof why they differ. I would assume Dell thought they could threaten the OP into paying up andhaving moved it to the DCA are trying to recover costs as well!!!. Now that is an integrity issue especially coming from a corporate as big as Dell!!!.

Why cannot Dell just provide proof and then refer the OP to DCA/court. I can guess why...they know its their mistake and do not have records oing back 1 year. So they rely on their reconciliation balance of their computer system but do not have back up documents, thats why!!!!

The fact remains however that the OP took the items in question, was aware that he had not been charged the full amount, kept quiet hoping he had got away with it, and is now acting the victim.

He now claims that he cannot find a copy of his visa statement, which would be obtainable from his CC company. He does not have to give them the full statement merely highlight the entries pertinent to the purchase and then cross out the rest. If he has nothing to hide surely this is preferable to being pursued by Dell.

If he had failed to notice an underpayment for his services until 12 months later, would he have been so understanding with the recipients of his service if they subsequently refused to pay the outstanding balance. I somehow doubt it.

hc76

BLT wrote: »

If he had failed to notice an underpayment for his services until 12 months later, would he have been so understanding with the recipients of his service if they subsequently refused to pay the outstanding balance. I somehow doubt it.

I have not refused to pay anything. In fact when the order was placed I made full payment on my credit card.

For whatever reason, Dell did not take this full payment and did not do anything to follow this up for over 12 months. They are now chasing a balance, but they do not know how much to chase!

The original question was not should I refuse to pay, but whether the burden of prove lays with them or me.

I think if I was chasing an outstanding balance for my services but I didn't know how much for I would not expect a customer to pay without questioning the figure.

hc76

BLT wrote: »

Is this a comedy post? The OP states that he knew he was undercharged by the company concerned and is now acting aggrieved because they have dared to come back and ask him to pay full price for the items he has taken from them. I could only chuckle when he said if they had found out earlier he would have been more sympathetic to them.

He states he is self employed, If he's a builder I would recommend anyone to avoid employing him, clearly he has integrity issues.

I think you are being a bit hard on builders to be fair. You seem to suggest customers should avoid using a builder due to 'integrity issues' but that other trades would be alright...

Fortunately I'm not a builder so hopefully my customers can sleep easy.

It's not a question of integrity anyway. It's a question of who should prove what amount is outstanding. I really don't feel Dell deserve any sympathy because they don't know what the outstanding figure is (hardly rocket science) and itstead of sorting it through with their customer they have passed it onto a debt recovery company.

Only IMHO of course and looking through the responses there is clearly a range of opinions, but I'm pleased I brightened up your day with a bit of comedy :beer: