I understand that in every business, a consumer must always receive a receipt for a service/product, or the purchase won't be considered complete.
I am currently insured by a big name company (who I'm starting to lose faith at) who deducts a certain amount of money from my bank account every Month. The problem is they take too long to send my receipts, and lately even doesn't send them anymore!
I.E. they deducted me last August 5. It's now September, they've deducted another amount from my bank last September 2. I still haven't received the receipt from both dates (as of today, September 5, 2014).
I tried contacting the company, and they sent me an electronic copy of the receipts over the mail. I don't feel satisfied because the receipts they send have these stamp marks on it. This one has, but it's scanned.
- Are electronic receipts sent over email legal? (argument: they could say it was photoshopped.. if things start to "hit the fan")
- Do I have the right to demand that they send the receipts immediately? Should I seek legal action?
- I do not want this to continue anymore. Every month I have to call them to remind them of my receipts. I've made dialogue with the Officer in charge, but all they keep doing is to apologize. I see no change. What can I do as a consumer to urge this not to happen again?
EDIT: The company is known worldwide, but the country my insurance is at Philippines.