What the key here is to get the actual recording from the company, bank, etc that you are dealing with. We all know that they record the call even if they do not say so. It all depends on how good the notes are the person you are talking to takes. For instance when I was behind on vehicle payments with Ford Credit I wrote the date, time of the call, who I talked to, the phone number, their extension number, what was said, the tone of the conversation (were they nasty, helpful, irritated, etc.), and the time the call ended. When calling to check back with Ford Credit about something that had been discussed earlier, sometimes they would say "I don't have a record of that call" They would be stunned when I could give the details that I described above. So either the person was lying to me or there were no notations. Not everyone has the capability to record, but doing so makes it a lot easier. I know that it could be he said/she said thing. The other side would have a harder time proving you are lying if they had to produce the recordings or verified transcripts from those recordings. Interesting topic.