[Asterisk-biz] Tomtelecom

[trixter aka Bret McDanel]

On Sat, 2005-11-19 at 17:17 -0800, Alex Pui wrote:
> >If the company is no longer there, they may not even be prepared to dispute
> the >chargeback which means by default you get it, however there are some
> >circumstances where this wont be the case.  Its worth a try :)
> 
> 
> The above statement can be misleading. When the credit card has paid the
> money to the company that has gone for good (if the company is not that new,
> the bank would not hold a large amount for a long period of time), and the
> bank now will look at your charge back claim very "carefully" to find the
> way to disallow it.
> 
perhaps, that is one of the circumstances that I spoke of, usually if
you are quick you can get it though.  Depending on the agreement and
applicable laws (different states have local laws that apply to
residents of those states so its a quagmire) the bank may have to take
the hit for merchant fraud or general failure to provide what was paid
for.  And its upto the bank to try to get the money from the person.
Other countries I dont know I havent looked at all into the credit laws
of other countries.


> If the service is not easy to quantify, and you have receive part of them,
> tough luck, your claim will be dismissed.
> 
You have to do all or nothing, agreed, however becuase of that many
banks (mine included in that list) will refund all if its merchant fraud
(ie you got charged but didnt get goods).  I recently went through this
with a merchant, my bank had no problems with the fact that some of what
I was charged I owe, they refuned everything ...  Now, if the merchant
doesnt have a bank account anymore (becuase you waited too long or they
did everything to hide their impending doom) then it becomes a lot
harder.  The reality is that the merchant does sign a contract that
holds them liable for chargebacks even if that results in a negative
balance.

If you wait you are surely not going to get anything, but it doesnt hurt
to at least try.

-- 
Trixter http://www.0xdecafbad.com     Bret McDanel
UK +44 870 340 4605   Germany +49 801 777 555 3402
US +1 360 207 0479 or +1 516 687 5200
FreeWorldDialup: 635378
http://www.sacaug.org/ Sacramento Asterisk Users Group
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