please help i dont have contract copy and merchant is threatening me?
February 20, 2011 by hrform3
Filed under Hair Regrowth Treatment
i went on a program which was 6500 total called natural hair regrowth institute and i would make monthly payements. i was not getting the proper treatment due to poor service. this includes the owner changing dates on me when i would beable to come in interfering with my work schedule. also a staff member refused to do massages at given times. . i wanted to end the program and the owner agreed to end it with a 1000 dollar return to my credit card. This would leave me paying 5000 total not even going half way into the program. i swiped my card got the 1000 receit but this payment never registered to my account. I tryed countless times contacting him, he refused to answer or return my calls or emails. it was at least 1 month and i never got any return to my card so i disputed these charges. now i got the 1000 back and he says if i dont reverse the charges he will send to collection agency and make me pay everything i owe including lawyer fees i dont have the contract on me what do i do?
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If he turns it over for collection, they can’t eat you. It’ll just show on your credit report.
You need your contract and contact a lawyer. If not you can attempt to get Better Busines involved.
If you have the receipt, you are actually in a pretty good position. Take this to an attorney and explain the circumstances. Also, take proof of your payment history with you, this can serve as proof of an agreement (though it will not help you specify the terms of the agreement). You DO have options! I strongly suggest you contact an attorney. Also, I suggest you request a copy of your contract from the owner. He’ll probably ignore you, but you never know.
Well….If all you are disputing is the $1000. I would suspect that he wont sue you over it — I work in bad debt collections and at the very least it will cost him $350 to file suit plus he will have to pay an attorney a % of anything he collects….So, If he wont work with you, you can take your chances….If it does end up at an attorney you can always negotiate at that time and you part of your negotiation should no legal fees……and his attorney will tell him to take your offer. NOBODY wants to go to court — And if he does take you to court that is your chance to let a judge decide who is right…..
It would be more likely that he would send your account to a collection agency and again — You can dispute the charges there as well…..and if necessary you can negotiate there too…
It may end up on your credit report tho — But you can always dispute that too and include your side of the story in the report.
Good luck… I think you should fight.
2 things ask him for a copy of the contract…he should not refuse.
Second contact a consumer attorney in your area immediately…you want to do this before you get sent to a collection agency wrongfully…