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Old 09-17-2008, 06:35 AM   #1
Dale_Loves_Mickey
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Question What happened to that receipt?...

When we were younger DH & I were awful at our finances. Consiquently we went very deeply into debt. Now we have a large bill with a collection agency we are paying off in instalments. We just received a statement from them that says we owe more than our records indicate. Since this company does not accnowledge our payment on a regular basis, I have been saving the "stub" from each of the cashiers checks we sent them. (At least this way I can prove we sent them the payments even if for some reason they didn't receive them. As it now seems to be the case.)

My question is, how many of you save your statements with the receipt attaced for your own records. I know a lot of people who think I'm being paranoid, so it got me thinking maybe I am...
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Old 09-17-2008, 07:51 AM   #2
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I always save receipts for everything, and if it's something major, I make copies of everything. It has saved us several times. You're not paranoid! You're organized and thorough, and there's nothing wrong with that!
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Old 09-17-2008, 08:34 AM   #3
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We save all of our receipts, and then double-check our statement when it comes in, then we note the check#, date and amount of our payment on the statement before mailing it.
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Old 09-17-2008, 08:37 AM   #4
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We do I keep them all and staple them to the statement when it comes in (whether it's the bank or the credit card)
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Old 09-17-2008, 08:56 AM   #5
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We do I keep them all and staple them to the statement when it comes in (whether it's the bank or the credit card)
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Old 09-17-2008, 08:45 AM   #6
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We save everything, too. You never know when THEY might make a mistake that YOU pay for...
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Old 09-17-2008, 09:47 AM   #7
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We save them all too. Easier to keep track. It also helps us budget and gives us an idea where we can cut back if we need to!!
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Old 09-17-2008, 10:02 AM   #8
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That is not a bad idea at all. I used to do that. I pay everything electronically now, so my payments show up right away. I make a notation on my bank transfers as to what the payment is specifically for in case there are any problems.
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Old 09-17-2008, 10:12 AM   #9
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Originally Posted by Dale_Loves_Mickey View Post
When we were younger DH & I were awful at our finances. Consiquently we went very deeply into debt. Now we have a large bill with a collection agency we are paying off in instalments. We just received a statement from them that says we owe more than our records indicate. Since this company does not accnowledge our payment on a regular basis, I have been saving the "stub" from each of the cashiers checks we sent them. (At least this way I can prove we sent them the payments even if for some reason they didn't receive them. As it now seems to be the case.)

My question is, how many of you save your statements with the receipt attaced for your own records. I know a lot of people who think I'm being paranoid, so it got me thinking maybe I am...
Yes I save all mine....I have bills from all the way back in 1994 or so. I just keep everything. I have just destroyed them this summer...thought it was safe because it has been 10 or so years.

If you have the "stub" from the cashiers check you sent them...look on the back of it, it may have a number or address you can get up with someone to see when and who cashed it. If they find it they can send you a copy of it...may be a small fee. I would suggest that you call the company and tell them that every time they receive a payment from you that they send you out either a recite or they send you an updated statement.

I have had that happen to me a few times. I always make the company look like idiots though...I tell them okay lets go over this and run down the list until they find the one that they are missing, then I tell them okay what is your fax number and who should I put the fax att to? I go right to the bank and they copy the check for me and then I call them back and say are you sure you dont want to rethink that you are telling me a payment is missing??? They say no, okay what is your boss's name so that I can send them this fax also???? Then they find the payment very fast. Only one time did I have to send the fax and needless to say that person is no longer with that company.

Hope everything works out for you.
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Old 09-17-2008, 10:13 AM   #10
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I always save the payment receipt to any creditor. I also save the emails from online billing saying the payment has been received.
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Old 09-17-2008, 10:21 AM   #11
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I rarely do, but then again I do all my banking and bill-paying online, so there aren't really any stubs or checks to worry over. The chance for any human error (beyond my own) is pretty negligible. And if I make a mistake entering something in, I don't have to go far to complain to myself about it
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Old 09-17-2008, 10:35 AM   #12
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Quote:
Originally Posted by Dale_Loves_Mickey View Post
When we were younger DH & I were awful at our finances. Consiquently we went very deeply into debt. Now we have a large bill with a collection agency we are paying off in instalments. We just received a statement from them that says we owe more than our records indicate. Since this company does not accnowledge our payment on a regular basis, I have been saving the "stub" from each of the cashiers checks we sent them. (At least this way I can prove we sent them the payments even if for some reason they didn't receive them. As it now seems to be the case.)

My question is, how many of you save your statements with the receipt attaced for your own records. I know a lot of people who think I'm being paranoid, so it got me thinking maybe I am...
we always make notes on checks plus make copies of the bills being sent out because this is not an honest world any more and it is hard for me to say this .
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Old 09-17-2008, 09:05 PM   #13
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Thanks guys. Now I don't feel so bad. I save them because we haad a problem where our landlord said we owed him like a whole months rent, and we were like, NO! We paid you. We should be a month ahead. Turns out he had not counted the check we had just sent him, and one we had sent 6 mths earlier had never arrived. We did a search, and when they knew for sure it had not been cashed, they put a hold on it for 30 days then re-issued it. Now, if we don't send a payment for a few weeks (we send the rent bi-monthly so we can stay ahead) he calls to see if something got lost in the mail.
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Old 09-19-2008, 08:53 PM   #14
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We save all our receipts. Then when they no longer are useful, we shred them.
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Old 09-19-2008, 08:58 PM   #15
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I have stacks and stacks of receipts. They are the bane of my existence, but they also save my hide more times than I can count. I have to keep business receipts separate from personal ones and it feels like a full time job some days! It is VERY smart to keep them, and I, too, make copies if I'm sending a cashier's check/money order for something. Better safe than sorry.
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