I always pay my bills ahead of time. During the month of August, I received several "blue letters" informing me that I was past due. After 6 phone calls to the company, they kept insisting I was past due. (Even the owner of the company that I am doing business called and gave evidence that I have paid on time and before the due date). Then I got another letter informing me I am past due.
They demanded I send them faxes of all my transactions with them, including bank statements. I asked if I would be re-imbursed for the costs I incurred sending the faxes. The answer: We don't reimburse anyone for anything. I asked specifically if it were proven that the mistake was on their end, would I be re-imbursed. Their answer: "We don't reimburse anyone for anything."
A warning: DO NOT DO BUSINESS WITH HC CREDIT OR ITS PROCESSING CENTER!!!!