I rented a car while on holiday in America a couple of months ago, and when I returned found that my credit card had been charged an extra £100. When I called the rental car company, they said this was for roadside assistance. When I picked up the car, I had only asked for one extra to be added onto my rental, and declined everything else including roadside assistance. The rental car company have sent me a copy of the signed rental agreement, in which roadside assistance is listed as "RSN". Obviously, I thought "RSN" was the other extra I had asked for when I signed the agreement, but obviously not, that extra isn't even listed on the rental agreement.
The rental car company wouldn't talk to me any further about it, so I called my credit card company to contest the charge, and they gave the rental company 45 days to provide satisfactory evidence. I guess they did not do this, as the cc company have withdrawn the payment. Now I am receiving letters from the rental car company in America saying that they will pass my details onto a debt collection agency.
My question is, what shall I do now? Does this affect my credit rating? I feel pretty strongly that I shouldn't have to pay for something which I didn't ask for, was assured I had not bought, and wasn't aware I had. On the other hand, it's only £100 and I don't want bailiffs knocking on the door.