The White Falcon - 28.03.1997, Blaðsíða 2

Disputing credit billing errors takes detailed action
By Capt. Martin J. Heli
Air Force Legal Assistance Attorney
The Fair Credit Billing Act is the feder-
al law that applies to credit cards, charge
accounts and overdraft checking. The
protections of the act address billing
errors, unauthorized use of your account,
goods or services charged to your account
but not in the conditions as promised, and
charges for which you request an explana-
tion or written proof of purchase. The
following useful tips can protect your
rights in a credit billing dispute.
Write to your creditor as soon as you
receive notice of a disputed charge. It’s
best to do so within 60 days of receiving
the first notice.
Send your dispute letter separate from
your bill payment.
In your letter, give your name and
account number, the date and amount of
Cyte bytes
the disputed charge, and a complete
explanation of why you are disputing it.
Send your letter by certified mail, with a
return receipt requested, to make sure it
is received and you have a record that you
sent it.
Your creditor must acknowledge
receipt of your letter in writing within 30
days of receiving it and conduct an inves-
tigation within 90 days. You don’t have to
pay a disputed amount while the creditor
investigates the bill. The creditor or cred-
it card issuer may not take action to col-
lect the disputed amount, including
reporting the amount as delinquent, and
may not close or restrict your account.
If the investigation reveals the bill is
correct, you must be told in writing what
you owe and why. You will have to pay
the amount owed plus any finance
charges, but you have a right to copies of
all relevant documents.
If an error did occur or you don’t owe
the amount, the creditor must credit your
account and remove any finance charges
or late fees relating to the error.
KYAA board elections scheduled for early April
It is time again for the NATO Base to call its general population to vote. The
Keflavik Youth Athletic Association is holding its annual board elections for the 1997-
98 term. All 11 positions must be filled, and elections will be held for the following
vacancies: president, vice-president, secretary, treasurer, four sports commissioner posi-
tions, coaches/umpire coordinator, equipment manager and public affairs officer. The
elections will be at 6:30 p.m. on Tuesday at the FSC. For more information, contact
Scott Ragsdale at ext. 7202.
Easter is time of spiritual rescue
By Chaplain Curtis D. Wallace
Committing himself to whatever odd jobs the neighborhood
offered, Billy was able to earn enough money by the end of sum-
mer to purchase a puppy as well as the necessary veterinary ser-
vices required for vaccinations and licensing. In his diligent
search for just the “right” puppy, he came across a “Puppies for
Sale” sign posted in a yard one day that summoned his attention.
A rather stout middle-aged man answered the door in
response to Billy’s knock. “I’m looking for a puppy to buy,” Billy
proclaimed. The man invited him in and then whistled.
Immediately, an impressive looking dog came obediently
through the doorway with five bounding puppies following her.
Each was a roley-poley picture of puppy energy. Billy’s eyes
quickly examined each of them just as a sixth puppy came limp-
ing through the door in a labored attempt to catch up with its
mom and siblings.
Billy’s eyes caressed this particular late-comer, and he immedi-
ately told the owner, “This is the one I want.” The man frowned,
placed his chin upon a hand supported by a portly arm, and
spoke thoughtfully, “Son, I don’t think that is the puppy for you.
You see, he was born with a dislocated hip, and the vet says he
will never be able to romp and play like the other puppies. What
you need is a puppy that will be able to run and be active enough
to do things with you. Why don’t you pick one of these other
puppies who will be able to do the things a normal puppy ca;
do.”
“Nope,” Billy answered, “I want this one.” With a perplexed
look the man asked, “ Why would you want to pay hard-earned
money for a crippled puppy?” Billy looked up at the man and
then pulled up his own pants leg revealing a shriveled leg sup-
ported by a brace. “I want him,” he answered, “because he
needs someone that understands him.”
All who have experienced the crippling effects of sin can know
the rescuing message of Easter. It is a testimony about the
power of God’s love and his efforts to seek us out and purchase
us to be his own in spite of our afflictions.
Easter is truly the testimony that nothing, not even the juris-
diction of death, can separate us from the power of God’s love -
a love which understands our predicaments, and still unhesitat-
ingly invites us into a personal relationship with him.
;r
Commander, Iceland Defense Force Rear Adm. John E. Boyington Jr. -4- Deputy Commander, Iceland Defense Force Col. David L. Lay
Commanding Officer, NAS Keflavik Capt. Allen A. Efraimson Commander, 85th Group Col. Carl E. Van Pelt Chief of Staff, Fleet Air Keflavik Capt. Kenneth A. Morrell Jr. Command Chaplain Commanding Officer, Naval Hospital Keflavik Cmdr. Robert P. Cooper Capt. Judith A. McCarthy
che uibrce faLcoo Public Affairs Officer Lt. Carla McCarthy Deputy Public Affairs Officer FriBJkSr Kr. Eydal Leading Petty Officer JOl Kevin A. Mills Editor J02 Brian R. Ellis Staff Journalists J02 Rob M. Wise J03 Travis L. Kelley Administrative Assistant Ingveldur Sigurj6nsd6ttir The White Falcon is printed by the NAS Keflavik Print Plant. Photo processing is provided by Fleet Imaging Center Atlantic, Oceana, Detachment Keflavik. The White Falcon is an authorized, government-funded weekly pub- lication of the Public Affairs Office, Iceland Defense Force* Contents of The White Falcon are not necessarily the official views of, or endorsed by, the U.S. Government, the Department of Defense or the Iceland Defense Force. Everything advertised in this publication shall be made available without regard to race, color, religion, sex, age, mar- ital status, physical disability or any other non-merit factor. The White Falcon reserves the right to edit all submissions. The deadline for story submissions is noon Monday for the following^ week of publication. The White Falcon is located in Bldg. 936. The.1 telephone extension is 4612 or 6492.
P
2
The White Falcon