Do you have the right to request proof, or substantiation how the balance was calculated? It depends upon the contract. While many companies find it prudent to deal with their customers openly, they often do so out of customer support reasons as opposed to contractual reasons.
You can request records of your payment history and your outstanding balance, but unless your contract states they must provide it, you do not have the right to demand it. If there is a disagreement concerning the final balance, and you have all the records and documents to prove your final balance calculation, then you have several options:
1 - Call them on the phone
Start with a phone call. Talk to them politely - never raise your voice or use profanity. Treat them the way you would like them to treat you. This is important if you need to prove later that you acted reasonably. Keep detailed written records of all your converations.
2 - Offer a final payment.
If you cannot come to a settlement over the phone, then send a cheque to the lender in the mail, and write very clearly on the cheque "FINAL PAYMENT FOR ACCOUNT". Attach a letter to the cheque explaining that, according to your calculations (you do not need to include your original records), this payment will clear the oustanding balance in your account. Further state in your letter that, by accepting this cheque, notwithstanding any provisions set out in the contract, the lender agrees that the attached cheque shall be the final payment required for the account. Photocopy both the signed cheque and signed letter for your own records before mailing it.
Many companies deposit cheques before reading attached letters (at their own peril), so there is a good chance the company will deposit the cheque. If the lender demands subsequent payment, you will be on solid legal ground to refuse further payment. Even if the lender refers the matter to a collection agency, most collectors will acknowledge they have no means to collect after you send them photocopies of your copies of the checque and letter.
3 - Pay their amount
If it is a trivial difference (a few dollars), then it might just be easier, and less costly, to pay the amount they say you owe.
Do you homework
You must confirm that they received every payment exactly on or before the due date in full. If even one payment was made a day later (1st of the month on a Sunday, paid on Monday), a bit extra interest accrued that month and therefore a bit less principal was paid. If you paid on-line, sometimes the payment transaction takes days before the money actually arrives in the lender's account, and you can thus be charged for late fees even though you initiated the on-line transaction before the due date.
From that point on, the interest is accruing on a slightly higher balance than the prediction and the final payment will be more. If you make a habit of paying as late as you can without a late charge (often 10 or 15 days), it can make a substantial difference in the final amount due. And of course, if you were even later with payments, there are probably late charges that were "deferred" and due at payoff.
You need balance for Gymnastics because if you don't have balance you will not be able to do the beam because when you are on a beam you balance on a 10cm wide area and you also have to do moves on that too. You will not be able to do handstands, headstands and balance on one foot and you need to do them moves so that you can move on in gymnastics and get better. I am in gymnastics and when I don't have/use balance, then I fall. You have to have balance because when you are competing, you get points deducted because you fell, took an extra step, or didn't use balance.
No. Anyone can sign a contract. If you are under 18, there are certain cases where you cannot be compelled to perform your obligations under the contract. Because of this, most businesses and savvy individuals will not enter into a contract with a minor, because they will not be able to enforce the contract if the minor breaches.
Well, the events that are the same are: Floor Exercise, and Vault. Women do not do the rings or pommel horse because it requires a great deal of strength. Men do not do the Uneven bars because it is hard on their anatomy (having different reproductive parts) to maneuver between bars (high bar and low bar) like the women can. So they stick to the one high bar. Men do not compete on balance beam because a mans sense of balance isn't as good as the females sense of balance. (and it takes more grace to be on the balance beam)
If you mean making only the minimum payment required, it is bad because you are going to be paying a very high rate of interest on the remaining balance. If you pay the entire balance each month, you are spending your money on goods and services. If you leave a balance, you are spending a lot of your money on interest. That's good for the bank and bad for you.
There are usually provisions in a player's contract that take into account nonplay due to injury that will call for a reduced salary until the player can play again. It is up to a team and their rules to determine how a MLB contract is written. A player that retires due to injury might receive a reduced buy out amount.
Yes. It may affect financial aid because it will be considered a loan that you're responsible for. You should know that if the primary borrower defaults on the car loan you will be have to pay the remaining balance. You should make certain that you can afford to pay for the car if you agree to co-sign the loan.Yes. It may affect financial aid because it will be considered a loan that you're responsible for. You should know that if the primary borrower defaults on the car loan you will be have to pay the remaining balance. You should make certain that you can afford to pay for the car if you agree to co-sign the loan.Yes. It may affect financial aid because it will be considered a loan that you're responsible for. You should know that if the primary borrower defaults on the car loan you will be have to pay the remaining balance. You should make certain that you can afford to pay for the car if you agree to co-sign the loan.Yes. It may affect financial aid because it will be considered a loan that you're responsible for. You should know that if the primary borrower defaults on the car loan you will be have to pay the remaining balance. You should make certain that you can afford to pay for the car if you agree to co-sign the loan.
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