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Just had an episode I'll share that reminds us how Quicken can make a great "diary" when you're disputing that phone call to a creditor or utility where you just KNOW they're wrong about a certain charge-- but won't admit it.

Usually, you're on the phone with 'ABC Corporation' and it goes like this:

YOU: "But I paid the bill on time last month and the month before. What's this extra charge for?"

THEM: (Ticking away on their computer) "Sorry. I don't see that in 'the system.' Now you owe us twice what we said you owe us."

YOU: "That's ridiculous!"

THEM: (Tick tick tick). "No it's not. The system says so." (tick tick tick)...

So today I tried to beat them at their own game. I called to end a 2-month pain with an auto company about a lease. But came armed with Quicken on my laptop...

ME: "This late charge is erroneous. I never turned the car in late. It broke down and was turned into the dealer's shop, immobile, a week before the end-lease date."

THEM: (tick tick tick) "The system says the car was late, thus the charge."

ME: "One second. Let me check my system... (tick tick tick)... Nope. I'm showing all payments updated, with the last payment made when car was brought in on (....) date."

THEM: (tick tick tick) "We're not showing that. We're showing it was late as of (...) ..."

ME: (tick tick tick) "My 'system' is showing a charge for the towing company here on (...) date, which means the car was towed in on or before (....) I also have all remaining payments made as of (....) with Check nos. 123, 456..."

THEM: (tick tick tick) "I'm sorry...I don't know if...wait a sec..." (tick tick tick)

ME: (tick tick tick) "In fact, my 'system' is showing a credit card charge to a store right next to the dealership on (....), (tick tick) which confirms the day I was there to finalize the turn-in. Would you like me to fax you this information?"

THEM: (tick) "Um, look at this! The system is showing that your account was corrected and that you did indeed turn in your car on time and confirms your payments and dates. Sorry about the mixup."

ME: (tick tick tick) "Thank you. I'll update my 'system' to show that I owe you a zero balance... (tick tick tick...) Is there anything else I can help you with today?"

THEM: "Huh?"

True story. If the CSRs on the other end of the phone can have a "system," why can't you?
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