“OMG, where’s that damn check?!”
In order to recoup that $2,900 we gave to the fence contractor who never showed up, no longer answers the phone, and has closed his office, I thought it wise to send a formal demand letter prior to instituting a Small Claims action. I wanted to include a copy of the contract and copy of the cancelled deposit check, because I assume the contractor has probably “lost” the files for all his angry customers.
Reviewing my checkbook, I found no entries for that check. I know I gave that down payment! Did I forget to write the entry in the check register? No, the checkbook balances…
I went online with my bank and searched by date, amount, and name of payee – and found nothing!
Surely I didn’t pay cash to that guy ?! And fail to get a receipt ?!
Oh, wait, I have another account, through my credit union.
So, I checked my credit union account register – nothing. I went online with my credit union – nothing.
Now I was getting panicky. What if I couldn’t prove I ever paid that deposit?
As I felt my guts tightening for another bout of stress-induced colitis, it suddenly occurred to me: credit card!
Sometimes I use the credit card simply to have a better record of a payment and the option of being able to reverse the charge if something goes wrong. Then I pay the credit card off the following day.
Yes! That’s what I did with the fence contractor. The online record shows the transaction!
Immediately, I called the credit card company and initiated the paperwork to dispute the charge. Hopefully, in time I will be able to get at least some of that deposit back.
Next, I drove to the post office and sent the demand letter by both regular mail and certified mail/return receipt requested (’cause I’m ever the optimist and just know that receipt will be signed and returned).
Meanwhile, Puppy Cody – the Ever Vigilant – guards our non-fenced property against any potential invaders.
Or not. Puppy Cody apparently believes princesses do not need to earn their keep. And she’s probably right, the little minx.
How’s it by you?
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Images by Cordelia’s Mom