Need some advice...Credit Card Issue...

Chuck52 · Oct 26, 2004

Henro,

While sitting at a red light the other day, I noticed a sign in the truck ahead of me that said "We build custom hydraulic lines." It was a national auto parts place, like NAPA, or O'Reilly, or Autozone, or something, but I can't remember which one. Makes me think you might check the auto parts places.

Chuck

Junkman · Oct 26, 2004

( Just call up your cc company and tell them the charge was unauthorized / unordered and your are not going to pay for the charges...put the hose company on the defensive. I guarantee when they realize the CC company isn't going to pay them, and you have $250 of their equipment, they will be in touch.

I have done this before for similar situation...worked out just fine.

Good luck. )

Lying to get what you want isn't the way that honest people do things. Yours is the worse advise that I have ever seen on TBN. I doubt that anyone here would even consider perpetrating a fraud like you suggested. /forums/images/graemlins/mad.gif /forums/images/graemlins/mad.gif

thcri · Oct 26, 2004

( Just call up your cc company and tell them the charge was unauthorized / unordered and your are not going to pay for the charges...put the hose company on the defensive. I guarantee when they realize the CC company isn't going to pay them, and you have $250 of their equipment, they will be in touch. )

MY company accepts credit cards. We get our money the next day. So the hose company in Henro's case already has their money. I also would agree with Junkman that lying is not the way to go, even if Henro looses on this whole deal he can look himself in the mirror (whoops--delete-delete) /forums/images/graemlins/grin.gif /forums/images/graemlins/grin.gif well he can say he did the right thing. If the credit card company figures out you lied then you loose all credibility and may end up loosing.

Henro, just joshing about the mirror thing /forums/images/graemlins/smile.gif

murph

Henro · Oct 26, 2004

Henro, just joshing about the mirror thing 

Hey, I can relate to that. I stopped looking into mirrors long ago...they kept breaking and I felt bad so...now I just close my eyes and go by feel... /forums/images/graemlins/blush.gif /forums/images/graemlins/smile.gif /forums/images/graemlins/grin.gif

While I am not above "bending the truth" so to speak, in this case I think I will keep things honest and accrurate. I mean, all I want is a fair deal anyway...

Tomorrow phase two begins. I have had no response today, so tomorrow I will leave a voice mail and send a fax stating that the order is hereby cancelled due to the sellor's failure to fullfull his obligations, failure to ship, or whatever. And I will be on the phone with my credit card company.

I regret it is going in this direction, but really, I have bent over backwards to let this guy sell his products to me.

Anyway...after a month...I now throw in the towel...

That sounds funny in a way...the customer pays and the supplier does not supply...something wrong with this picture...

I will let you guys know what happens for better or worse...

dummy · Oct 27, 2004

I perfer to buy local, but not at 2 or 3 times the price! Agreed.

fishman · Oct 27, 2004

Heck, I believe EJB is right on this one. Henro authorized payment based on the premise that he would receive some parts. If he'd known he was't going to get his parts, he sure wouldn't have authorized the company to use his credit card. Thus = unauthorized.

At any rate, the credit card uses the term "unauthorized charge" when referring to such a dispute. I don't think EJB was referring to anything underhanded here. Besides, once the company contacted Henro, he could then authorize the correct amount based on what they actually delivered.

Saying this is the worse advice you've seen on TBN is probably a little over the top here Junkman, not that you have a reputation for that or anything. /forums/images/graemlins/smile.gif I personally have seen much worse advice. /forums/images/graemlins/laugh.gif

thcri · Oct 27, 2004

Fishman,

I am going to still agree wiht Junkman. The supplier is the one in the wrong not Henro, by Henro lieing he would put himself in the same classification as the supplier. Two wrongs don't make a right. I firmly believe more people on TBN would look up to Henro by not lieing.

Just my opinion.

murph

ejb · Oct 27, 2004

>>The supplier is the one in the wrong not Henro, by Henro lieing he would put himself in the

Lying, who's lying or suggesting lying?

I said callup and say the item he recieved was unordered, and/or the charge was unauthorized?

He ordered X and Y...he got X...i.e. that is not what he ordered.

He authorized $500 in charges for X and Y...he got X (worth $250) and was charged for X and Y at $500...i.e. the charge is unauthorized.

Seems to me someone is overreacting quite a bit here...have you guys ever watched a credit card ad? Anyone ever seen them TELL you that you get PURCHASE PROTECTION when you use your credit card and that is why they (the CC companies) encourage you to use it instead of a check or a debit card? That is what the protection is for. Thats part of why you pay them interest.

As far as this being "The worst advice you have ever seen on TBN"...somehow I doubt it.

>>I also would agree with Junkman that lying is not the way to go, even if Henro looses on this whole deal he can look himself in the mirror (whoops--delete-delete) well he can say he did the right thing.

Now that is probably the worst advice I've ever seen on TBN...you pay for something, you don't get it, you can get your money back with a phone call, but you don't so that you can look good in the mirror.....

Want to roll-over for a company with dubious track record?...go ahead...as they say, there is one born every minute.

Currmudgeon · Oct 27, 2004

( You must 1st work it out with the retailer (and have an answer one way or the other) before VISA will do anything. You will also have to "put it in writing" for them to investigate your complaint. Had to do this last week on an internet order. Gerard. )

It may depend on your bank. I've done credit card chargebacks over the phone.

"My card was charged $xxx by Yyyy and I haven't received the merchandise in over 30 days. They don't answer the phone."

"Very well, we will issue you a temporary credit until this is sorted out."

In my case, they eventually shipped the stuff, so the chargeback was cancelled and we all went on our merry way.

Chargebacks area major cost item to merchants who accept credit cards. Make it work in your favor.

jayhawkRoy · Oct 27, 2004

Henro, you're on the right track. I would also follow up the fax with a certifed letter to them, return receipt requested, to ensure you have a written record of cancellation of order with a return receipt showing that they received it. I notiiced their website does provide both a street and PO Box address.

When you contact the credit card company, your complaint is failure to receive merchandise as promised. You have 60 days to dispute a credit card charge from the date of the statement on which it appears, so you do not have to contact the credit card company immediately. I would not only call the credit card company, but also dispute the charge in writing, specifying the part of the charge for the merchandise that has not been received. Some credit card companies have the dispute form on the back of the credit card statement, but a letter outlining your complaint will do also. Reason why I recommend this is to start a written record of notification. If the law comes into play, remember that phone calls generally don't count -- written communications do. You can also point out that their own web site states that most orders are filled within one day, and that a two or three week wait without a status update is unacceptable. These actions should solve the problem.