Hi everyone,

I had been reading this site for a while now, and lately I had been in trouble with a so-called car rentel company in Vancouver, BC. to make the store short, i will just point form my stories:

*I live in Edmonton, AB which is 10 hours drive away from Vancouver, BC
*2006 Sept 01. rented a BMW M5 for 3 days under this company in vancouver, bc
*the car rental charge was 800 CAD/day plus 20,000 deposit.
*2006 sept 03. car returned at the airport, and left my vacation back to Edmonton, AB. deposit was issued back with a cheque to clear one month after.
*2006 Oct, 20,000 deposit was cleared.
*2007 Apr, the merchant charged 12,000 on my card for no reason.
*2007 Apr, called back to my CC company for prove of my purchase
*2007 May, the merchat provided my bank a "doctored" lease agreemen for 6 month + 3 dayst!
*2007 Aug, I provided my bank the original 3days lease agreement, however they do not believe it. i just got back from my vacation in Asia.
*2008 now, I have heard many fellows in Vancouver who actually lease cars with this company had their cars taken away due to they are not licensed car lease company.
*2008 now, many ppl had been suing him for this merchant's lease scam, but he had decleared bankerupcy, and nothing is under this owner's name, however, he drives lambo everyday!
*2008 now, my CC bank is going after me for this 12,000 payment, and I do not want to pay it, I have switched my bank to other ones.
*at this point I do not believe there is a point to sue the merchant since he is decleared bankerupcy.

so what should I really do? I am so mad that my CIBC VISA had been treated me like a theif, never had any bad record in my life, but my bank had pined me on this one, I am not making any payment on that 12,000 CAD, because it was not MINE! no one from my bank want to help but getting their money back! I know they will sue me for this charge, and I am going to fight with them till the end!

any advise? really really sorry about my story.....

ps, i was paying the min payment, but i have stoped a few month ago, today i just checked my credit report online, its showing 120 days late...

JudyKayTee

Send a certified copy of your receipt from when you turned the car in to the bank/credit card company.

The car loan agency would then have to prove that you rented it a second time - which you did not do.

That will end it - you will prove you returned it and on the date you did so.

darkz

the thing is, there was no receipt or nothing, all they did was taken the car, and I took off at the airport. for god sake i only go there for vacations, i can prove i been in my city all these times....

JudyKayTee

They didn't give you a receipt when you turned in the car? Well, I can see why the credit card company might think you had it the whole time.

I don't know you could fight this. I'm sure they think a friend could have had it, you could have hidden it, who knows, but there's the problem - I don't see that you have proof you brought it back, for God's sake.