A big problem for consumers is that the businesses that cause you problems are also the ones who wind up controlling all the contacts you have with them, and they like to do so in ways that make it hard for you to later prove that they told you A, B, or C when they claim to have told you X, Y, and Z.
Here's a suggested template for taking notes during and after phone calls with any business (a bank, a credit card servicer, a billing department, a mortgage lender, etc.). It's not a guarantee that you won't have problems, but it would sure help a lot if the company trying to screw you wasn't the only one with records of all your contacts.
1. On _________ (date) at about _________(time), (I called [company]/[company] called me) and I spoke with a representative of [company] who identified (him/her)self as __________________(name), ID number _____________. The number (I called/was called from) was __________________.
2. During the call, I expressed my concerns about account number _________________________ specifically concerning
a. (first concern) __________________
b. (second concern) __________________
(and so on -- as many different topics as you discuss)
3. About these concerns, ___________________ (company rep. name) told me that
a. (what they said) ___________________________
b. (what they said) ___________________________
(and so on -- as many different topics as you discuss)
4. (company rep. name) told me that :
a. (first one) I (should/must) do this: ___________________ no later than (time/date) _____________________
b. (second one) I (should/must) do this: ___________________
no later than (date) _________________________
etc.
5. I am sending you these call notes for your review and confirmation so that we may rely on them later.
Please review these notes and advise me immediately, by email to (address), with followup by US Mail to (address), if [company] believes there are any discrepancies between these notes and [company] call records.
Thank you,
Here's a suggested template for taking notes during and after phone calls with any business (a bank, a credit card servicer, a billing department, a mortgage lender, etc.). It's not a guarantee that you won't have problems, but it would sure help a lot if the company trying to screw you wasn't the only one with records of all your contacts.
1. On _________ (date) at about _________(time), (I called [company]/[company] called me) and I spoke with a representative of [company] who identified (him/her)self as __________________(name), ID number _____________. The number (I called/was called from) was __________________.
2. During the call, I expressed my concerns about account number _________________________ specifically concerning
a. (first concern) __________________
b. (second concern) __________________
(and so on -- as many different topics as you discuss)
3. About these concerns, ___________________ (company rep. name) told me that
a. (what they said) ___________________________
b. (what they said) ___________________________
(and so on -- as many different topics as you discuss)
4. (company rep. name) told me that :
a. (first one) I (should/must) do this: ___________________ no later than (time/date) _____________________
b. (second one) I (should/must) do this: ___________________
no later than (date) _________________________
etc.
5. I am sending you these call notes for your review and confirmation so that we may rely on them later.
Please review these notes and advise me immediately, by email to (address), with followup by US Mail to (address), if [company] believes there are any discrepancies between these notes and [company] call records.
Thank you,
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