Date:

Account Number:
Name on Account:

Dear Sir or Madam:

In reviewing my recent statement, I feel that I have been charged an incorrect or unauthorized amount for the following transaction(s): ____________________________
___________________________________________________________________.

The correct charge should have been: __________($0.00 for unauthorized; $______ for an “Incorrect” charge).

Please correct my account accordingly.

I have enclosed a copy of my statement with the transaction in question highlighted.

Please contact me if you have need additional information.  Thank you for your usual good service in handling my account!

Best regards,

______________
Account Holder

Enclosure:  Copy of Credit Card Statement

Credit Card, Unauthorized or Incorrect Charge
Review List

This review list is provided to inform you about the document in question and assist you in its preparation.  Prompt notification of unauthorized or incorrect charges to your credit card, or other supplier (this letter can be modified easily for that purpose), will help keep your account in good standing as well as promptly take care of the charge in question.

Most credit card companies, and other suppliers, will put the transaction in suspense, in other words, remove it temporarily from your account, until resolved to their satisfaction.  This means you can generally deduct this amount from any payments, except for minimums, and meet your obligations to the Credit Card Company or supplier.

Keep a record of the transaction until finally disposed of, one-way or the other.

Date:

Name of Creditor Denying Credit:
Address of Creditor Denying Credit:
File Number, if any:

Dear Sir or Madam:                     Reference: Application for Credit Rejected

My request for credit was denied by your firm, or because of your firm’s recommendations and reports, per the information listed above.

In accordance with the provisions of the Federal Fair Credit Reporting Act, I hereby request the following, as I am entitled to, under this Statute and other related regulations:

1.    Full and complete disclosure by you of all reasons for the denial of credit by your firm.

2.    Specifics of the information upon which the denial of credit was based; and

3.    The name, address, and any other useful contact information of the credit reporting agency or agencies which provided you with the information upon which you based your reason for denying me credit.

Thank you for your prompt assistance in this matter so I can work diligently to be sure the records are accurate and help me become a better credit risk in the future.

Best regards,

____________
Creditor denied credit

Enc.  Credit Rejection Letter

Credit Denial, Request for Clarification-Credit Reports
Review List

This review list is provided to inform you about the document in question and assist you in its preparation.  Once again, an organized approach is the best way to get the best results.  You can call creditors and make similar requests.  However, transcription errors and such tend to cut down the proper responses to less than you would like.  Better to send a formal letter, making copies, so you have a set of documents to follow up with if second or third notices are required.  If this becomes necessary, we recommend you just make that notation on the copy of the first letter.  This makes a bigger impression.  Firm, clear, and to the point.

This is a sales letter.  You are trying to influence the recipient to respond to your letter promptly.  Being nice helps in that regard as well as reflecting well upon you.  Attaching the credit turn down letter prevents delay caused by them having to request a copy and encourages them to respond promptly to this organized request.

Be sure the party turned down signs the letter.  A spouse or other family member signature will not be sufficient.  The writer should sign exactly as his or her name appears on the credit rejection letter (for example, using or deleting middle initials as done in the letter).  Keep a copy until at least you receive a response from the recipient.

Three Major US Credit Reporting Agencies

Equifax
P.O. Box 740256
Atlanta, GA 30374-0256
800-685-1111

Trans Union Corporation
P.O. Box 34012
Fullerton, CA 92634-4012
714-738-3800

TRW – NCAC
P.O. Box 2106
Allen, TX 75002-2106
800-422-4879

For value received, the undersigned seller, ____________(1)___________, sells and
transfers to ____________(2)___________, buyer, the vehicle described therein.

Seller warrants that:

(1) seller is the sole owner of the vehicle;

(2) such vehicle is free of all encumbrances, security interests, and other defenses
against seller;

(3) the cash price does not exceed a reasonable retail price at the time of sale;

(4) the vehicle has been delivered to and accepted by buyer;

(5) buyer was of legal age and legally competent to execute the contract on the date
thereof;

(6) all disclosures to buyer and other matters in connection with such transaction, are in
all respects as required by, and in accordance with, all applicable laws and regulations governing
them.

Dated: ____________(3)______________
__________(4)_____________ Seller
___________(5)____________ Buyer

THIS AGREEMENT is made and entered into this ____________(1)______________
day of _______(2)_________, ______(3)________, by and between ________(4)_________, of
__________(5)____________, hereinafter called “Owner”, and ________(6)___________, of
__________(7)____________, hereinafter
called “Renter”.

BOAT

The boat which the Owner agrees to rent is:

______(8)________ __________(9)________ _________(10)_______
______(11)_______ __________(12)_______ _________(13)_______

Owner represents that to the best of his knowledge and belief that said boat (and motor,
if any) is free from any known faults or deficiencies which would affect safe and reliable operation
under normal and prudent usage.

Owner further represents that all required lifesaving and safety equipment are aboard the
boat and in good order and condition at the time of delivery to the Renter.

RENTAL PERIOD

Owner agrees to rent the above-described boat (and motor) to Renter for a period of
__________(14)___________, beginning at ______(15)____ a.m. on ________(16)_________
and ending at _(15)_ p.m. on __________(17)_______________.

USE OF BOAT

Renter further agrees (a) that the rented boat shall not be used to carry passengers or
property for hire; (b) that the rented boat shall not be used to carry passengers or property in
excess of the rated capacity of the boat; (c) not to use the boat to tow or propel any other boat,
barge or thing without the owner’s written permission; (d) not to use the boat (or motor) in any
race or competition; (e) not to use the boat (or motor) for any illegal purpose; (f) not to operate
the boat (or motor) in a negligent matter; (g) not to operate the boat (or motor) outside the area of
use designated in this Agreement; (h) not to permit the boat (or motor) to be operated by any
other person without written permission of the Owner; and (i) not to remove the motor from the
boat for any use whatsoever.

INSURANCE

Renter hereby agrees that he shall fully indemnify Owner for excess shall be returned to
Renter.

RETURN OF BOAT, MOTOR AND EQUIPMENT TO OWNER

Renter hereby agrees to return the boat, motor and equipment to Owner at his address
stated above or such other address that the Owner shall so state no later than _________(21)
_____________.

TRAILER

This Agreement shall include rental of Owner’s boat trailer for transportation of the rented
boat/motor/equipment during the term of this Agreement, and such use shall be subject to the
general conditions and limitations of this Agreement.

______________(22)______________
______________(23)______________

Date:

Name:
Social Security Number:
Date of Birth:
Address:

Dear Sir or Madam:

Please send me a free credit report because I was turned down for credit within the last 30 days, according to the enclosed letter.

Please send the report to me as promptly as possible to the above address on the letterhead in order for me to get my credit file up to date.

Thank you in advance for your prompt attention to this matter.

Best regards,

______________
Name of Requestor

Three Major US Credit Reporting Agencies

Equifax
P.O. Box 740256
Atlanta, GA 30374-0256
800-685-1111

Trans Union Corporation
P.O. Box 34012
Fullerton, CA 92634-4012
714-738-3800

TRW – NCAC
P.O. Box 2106
Allen, TX 75002-2106
800-422-4879

cc Credit Rejection Notice Based on Credit Agency Report

Credit Reporting Agency, Request for Report
Review List

This review list is provided to inform you about this document in question and assist you in its preparation.  You are entitled by law to a free credit report from the agency or agencies used by a creditor that turns you down for credit, as long as you request the report within 30 days of rejection.  Therefore, your best response to a turndown is to write immediately to the credit-reporting agency and get a copy of the credit report.

There are three major credit agencies and they are listed on the above letter in a “cc” format so you can send the request to all three at the same time.  These agencies change their policies from time to time.  On occasion, one or more of them have made it a standard practice to send a consumer a free report if requested no more than once a year.   Therefore, you are advised to try for the report for free.  If you must pay for it, the charge will be $15 or less.

Credit reporting has become increasingly accurate over the last decade as computer systems have become more powerful and the data entered and updated, more accurate.  Nevertheless, you are advised to get a copy of your report so you can dispute any bad credit reports that are false.  This approach can only help your situation and in no way damage it.

Note:  If you want a report, and were not turned down, simply write or call for a report and ask them to bill your credit card for the charges.

August 18, 2001

Dear Sir or Madam:

This letter is being written to you to seek your help in correcting a service problem we had with your firm.  Your firm has a good reputation for service so we are sending this letter to you in hopes you will continue that tradition by making an adjustment to our bill.

Your firm was paid $ ______ on _________ (Date).  We contacted you to get an adjustment because:  ______________________________

The most appropriate resolution for this problem, we believe, is for you to refund the full cost of the service.

Please send us your check for the above amount by return mail or let us hear from you regarding another suggested resolution of our problem that you may have.

Thank you in advance for your prompt attempt to resolve our mutual problem and your expected timely response to my letter.

Best regards,

_____________
Writer

Enc.  (Any pertinent documents you have)

Service Complaint, Adjustment Request
Review List

This review list is provided to inform you about this document in question and assist you in its preparation.  Service complaints that gently but firmly state their case receive the best responses from these kinds of firms.  These firms receive lots of these letters and have learned, over time, which clearly stated complaints, conveyed with an unemotional and non-accusatory tone, tend to be the most accurate and deserving of a conciliatory response.   In addition, on a perfectly human basis, people would rather respond to reasonable polite complaint rather than an emotional and seemingly unreasonable one.

Therefore, we believe the best initial approach is a letter that provides the recipient time to reflect upon it without taking a fast defensive tone, which phone calls tend to elicit.  The quick “no.” on the phone, is often just a preliminary attempt by the recipient of the call, in this case a Service provider, to stop an “attack,” as they perceive it.   However, though many recipients of these phone calls change their tactics as the phone call progresses, a letter sent to them prevents their need to give a quick “no” defensively.  It lets them review the document at their own leisure and respond accordingly.

1.   Use your one chance to make a first impression by being supportive and reasonable, as this Service Complaint letter does.

2. Offer the Service provider a clear solution that they can say “yes” to immediately.  Don’t leave it open ended.

3.   Be courteous and even-tempered in all such dealings.  One reason for writing is you avoid the pitfall of getting upset and getting into an argument.  Written correspondence keeps matters on an even keel as well as maintaining your control over the process.  In fact, we suggest you avoid phone calls to avoid spinning off on a tangent and watching your refund opportunity vanish in that process.

To:  _______________________________________
GENERAL INFORMATION

1.    Claimant

(a)    Full name: ________________________________________

(b)    Address: __________________________________________

City: _________________________ County: _____________
State: _________________ Zip Code: __________________

(c)    Age: _______  (d) Marital status: _______________________

2.    If claimant is married, name and address of spouse:

__________________________________________________

__________________________________________________

AMOUNT OF CLAIM

3.    Amount claimed for property damage: ___________________

4.    Amount claimed for personal injury: _____________________

5.    Total amount claimed: ________________________________

ACCIDENT RESULTING IN CLAIM

6.    Place of accident (include town or city and state; if outside city limits, indicate distance to nearest city or town):

__________________________________________________

7.    Date and time of accident: ____________________________

__________________________________________________

(a)    Day of week: ________________________________________

(b)    Date: _____________________________________________

(c)    Time: _____________________________________________

8.    Description of accident

(a)    Names and addresses of persons involved: ______________

__________________________________________________

(b)    Identification of property involved: ______________________

__________________________________________________

(c)    Surrounding circumstances: __________________________

__________________________________________________

(d)    Cause of accident: __________________________________

__________________________________________________

(e)    Other pertinent facts: ________________________________

__________________________________________________

9.    Name and addresses of witnesses to accident: ____________

__________________________________________________

PROPERTY DAMAGE AND PERSONAL INJURY

10.    Property damage

(a)    Description of property damaged: ______________________

__________________________________________________

(b)    Present location: ____________________________________

(c)    Name and address of owner, if other than claimant: ________

__________________________________________________

(d)    Nature of damage: ___________________________________

(e)    Extent of damage: ___________________________________

11.    Personal injury

(a)    Nature of injury: ____________________________________

_________________________________________________

(b)    Extent of injury: ____________________________________

_________________________________________________

INSURANCE COVERAGE
12.    Collision insurance

(a)    Does claimant carry collision insurance? (If yes, answer (b)- (f) below)

______________________

(b)    Name and address of insurer: _________________________

__________________________________________________

(c)    Policy No.: _________________________________________

(d)    Has claimant filed claim against insurer in this instance?

_________________________________________________

(e)    If claim has been filed, is coverage for full amount of loss?

_________________________________________________

If not full coverage, amount deductible: ________________

________________________________________________

(f)    If claim has been filed, action taken or proposed to be taken by insurer with respect to claim:

_________________________________________________________

13.    Public liability and property damage insurance

(a)    Does claimant carry public liability and property damage coverage? (If yes, answer (b) below)

_______

(b)    Name of insurer: ____________________________________

I declare under the penalty of perjury that the amount of this claim covers only damages and injuries caused by the accident described above. I agree to accept that amount in full satisfaction and final settlement of this claim.

Dated: __________________________

_______________________________________________
Signature

Claim for Damage and/or Injury
Review List

This review list is provided to inform you about this document in question and assist you in its preparation.  Use this document to transmit your claim to your insurance agency.  Be complete; add any necessary and useful exhibits.  The more thorough you are the more apt you are to be believed and get prompt payment.

1. Make multiple copies.  Give one set to the insurance agency.  Keep a backup set (agencies are notorious for losing or misplacing paperwork).  Keep one set with the transaction file.
2. Remember that getting paid on a claim is a sales situation.  If they are “sold” on your credibility, they will generally pay promptly.  If not sold, it can be a long and ugly process.  As we have said before, you have one chance to make a good first impression.  Do your homework; get a complete and thorough file together; send it to them promptly.  All of this will increase the odds of a satisfactory result in your favor.

To: __________________
________________
____________________

__________________ offers to purchase the following vehicle:

Make:
Model:
Year:
Body style:
Vehicle Identification Number:

for the following price: $ ______________
(___________________________________________ & no/100 dollars) plus applicable sales tax of ________ percent and the following described additional charges:
__________________________________________________________,
totaling $ ______________
(___________________________________________ & no/100 dollars) upon the following terms:
___________________________________________

This offer shall expire unless accepted by ________________ at _____________.

Dated: __________________________________________

__________________________________________________________
Buyer

Accepted by:

_________________________________________________________
Seller

Offer to Purchase a Vehicle
Review List

This review list is provided to inform you about this document in question and assist you in its preparation.  This document serves the buyer by allowing them to have the vehicle inspected, arrange financing, or whatever else he or she can negotiate with the seller.  This document permits the seller to lock up the sale by providing a short window of opportunity, time, to close on the open issues with the prospective buyer.  It also serves to formalize the arrangement so there are no points of contention between the parties at a later date.

1. Make multiple copies.  Give one to each signatory.  Keep one with the transaction file.

___________________, referred to as OWNER, and _____________________, referred to as CONTRACTOR, agree:

OWNER herewith hires CONTRACTOR to construct a vessel in accordance with plans and specifications referred to herein.

The vessel shall be constructed in a first class fashion, using highest-grade materials, in accordance with the plans and specifications of ________________________. Said plans and specifications are attached hereto as Exhibit 1. CONTRACTOR warrants that it has had sufficient time to fully and completely review the plans and specifications.

In the event that CONTRACTOR reasonably requires any additional marine engineering or marine architecture services such services shall be provided upon request by CONTRACTOR to OWNER, at the OWNER’s expense.

CONTRACTOR shall receive a fixed price for the construction of the vessel totaling $__________ (______________________________________ & _____/100 dollars). Said sum shall be paid as follows:
First installment- __________% of the fixed price, due within ten days of the execution of this agreement;
Second installment- ____________% of the fixed price, due at the earliest of:
(a)    the laying of the keel;
(b)    the beginning of hull assembly.
Third installment- _____________% of the fixed price, due at the time of launching the vessel.

Any changes or alterations in the plans or specifications shall be by written change order executed by both parties. In the event of any change order, the contract price shall be adjusted accordingly.

OWNER grants to CONTRACTOR an express lien upon the vessel and any materials held by the CONTRACTOR for the job. In the event that the OWNER fails to pay as agreed, upon 30 days notice the CONTRACTOR shall be entitled to sell the vessel in such condition as it may be and apply the proceeds to the unpaid and due amounts at either private or public sale. In the event that such sales proceeds are insufficient to pay all sums due by the OWNER to the CONTRACTOR, OWNER shall be responsible for the payment of such deficiency to the CONTRACTOR.

Any sums unpaid for any reason under this agreement shall bear interest at the highest legal rate.  All remaining sums due shall be paid on final completion of any punch list items as certified in good faith by ________________________, or an independent marine surveyor. The cost of such independent survey shall be borne by the OWNER.

The vessel shall be completed on or before ___________________, time being of the essence.  CONTRACTOR shall be entitled to an extension of time to complete the vessel in the event of the following events:
(a)    labor action;
(b)    failure of delivery of necessary components from third parties, provided that due diligence has been exercised by the CONTRACTOR in the ordering of the materials;
(c)    force majure or act of god.

Upon delivery, the CONTRACTOR shall provide an affidavit of payments of all potential marine or other lienors, suppliers and workmen.

At the request of the OWNER, the CONTRACTOR shall provide no lien affidavits and proof of payment of all suppliers, workers and other persons entitled to liens.

The OWNER may cancel this agreement upon 10 days written notice.  The vessel herein being custom made goods, it is agreed that in the event of cancellation by the OWNER other than for cause, the CONTRACTOR would suffer damages that will be difficult or impossible of measurement. Accordingly, as liquidated damages and not as a penalty, the OWNER shall pay a cancellation charge equal to:
(a)    all progress payments due at the time of cancellation but not yet paid;
(b)    the costs of any materials not yet incorporated into the vessel, which cannot be returned, or, if returnable, any restocking and freight charges;
(c)    a cancellation charge equal to _____________ per cent of the contract price.

Upon such payment, OWNER shall be entitled to the vessel in the condition in which it is at the plant of the CONTRACTOR, at the OWNER’s expense of removal and freight.

OWNER shall be entitled to cancel this agreement for cause only upon the following terms:
(a)    that the OWNER shall provide a written notice of default to the CONTRACTOR specifying in such detail as is possible the nature of the default;
(b)    that a cure period of ten days is provided.

In the event of a multiple default as to the same deficiency, the cure period shall be shortened to 5 days. After the service of a multiple default notice as to a single issue, CONTRACTOR shall be required to provide adequate assurance of future workmanlike and timely performance. OWNER shall be entitled to cancellation without a cure period in the event of multiple defaults and the CONTRACTOR does not provide adequate assurance of future workmanlike and timely performance, or, alternatively fails to comply with any assurances, which are made.

CONTRACTOR shall maintain at all times when the vessel is in CONTRACTOR’s custody insurance for physical damage to the vessel and for any other liability, which may inure to the OWNER. Upon request of the OWNER, the CONTRACTOR shall provide proof of such coverage to OWNER.

OWNER, and OWNER’s representative shall be entitled to inspect the work in progress at any reasonable time.

CONTRACTOR shall provide to OWNER any warranties or guarantees which may be available for materials incorporated into the vessel. In addition, CONTRACTOR warranties that the vessel has been built to the specifications provided by the OWNER.  CONTRACTOR shall provide a guarantee of months following delivery. OWNER shall if possible give notice to the CONTRACTOR of any claimed material or construction defects. CONTRACTOR shall have the option of performing such work which may be necessary to correct the deficiencies, or, reimburse owner for the reasonable fair market value of any needed repairs. CONTRACTOR shall notify the OWNER of its election as soon as is possible.
Any disputes under this agreement shall be submitted to arbitration with a single arbiter under the rules of the American Arbitration Association. The arbiter need not be an attorney or professional adjudicator, but may be a person with experience and training in marine engineering and marine architecture.
This is the entire agreement between the parties and may only be altered by a writing executed by both parties hereto.

Dated: ________________

________________________________
___________________ By Contractor

________________________________
_____________________ By Owner

Exhibit One

Construction of a Boat or Vessel Agreement
Review List

This review list is provided to inform you about this document in question and assist you in its preparation.  This agreement can be adapted for other boat or similar construction projects.

1.  Make multiple copies.  Give one original to each party.

The following individuals agree to join a lottery pool for the month of ___________________, for the purpose of jointly playing the _______ State Lottery:
___________________________________________________________ and the following games of the __________ State lottery:  _________

and designate, ______________ as the Lottery Pool Manager for this month. Each participant shall be liable to contribute $____ per game played. Each party to the pool shall turn over all funds for the purchase of tickets at least 24 hours prior to the closing time for purchase of tickets for each game. In the event that a person does not do so, they shall nevertheless be liable to pay in their share of the money used, if a ticket or ticket is purchased for them.

In the event that any prizes are won, the pool manager, who shall serve without compensation, shall evenly divide the prize among the participants, deducting any amount owed for a failure to pay a required share. ANY AND ALL FUNDS WON AS PRIZES SHALL BE CONSIDERED TO BE HELD IN TRUST FOR THE POOL BY THE MANAGER.

This agreement shall not automatically renew and shall expire at the end of the month stated.

In the event of a prize being won in excess of $ ______, and settlement options are provided, the vote of the majority of the pool members shall decide. If there is no majority, the pool manager shall decide.

Any member may withdraw by written notice to the pool manager, and the pool shall thereupon end, but shall remain in effect for the past games played as a pool.

This is the entire agreement of the parties and there are no agreements express or implied not stated herein. This agreement may only be altered in writing signed by all parties.

Dated: ______________________________.

Accepted and agreed: ____________________________________________________
______________________________________________________________________
Signed by All the Parties

Lottery Pool Agreement
Review List

This review list is provided to inform you about this document in question and assist you in its preparation.  This agreement is more well care.  It is bad enough to lose with the lottery.  But to win the lottery and then lose your friends over haggling about who got what would be downright silly.  This agreement helps protect against that contingency for two reasons:  first, you have the agreement in writing; and secondly, everyone has a chance to determine whether they “really” mean in before they sign.

1. Keep multiple copies.  Keep the paperwork in order as long as you elect to invest in lottery tickets.