Remember the Veterans. Past, present and future.
www.sd3r.org
Proud New Member Of The NRA
Celebrating 18 years on the CTT Forum.
Buckeye Riveter......... OTTS Charter Member, a Roseyville Raider and a member of the CTT Forum since 2004..
Jelloway Creek, OH - ELV 1,100 - Home of the Baltimore, Ohio & Wabash RR
TCA 09-64284
QUOTE: Originally posted by dan18425 One other point to make: According to Federal Law, if you make a purchase with a credit card, you have 60 days to dispute a charge in writing from the date of the bill (it may be from the date of the charge posting to your account), or you lose your rights to dispute a charge. This must be done in writing, not just by calling the credit card issuer and making a report or asking for the paperwork to be sent to you. Your credit card issuer must get the dispute in writing by 60 days and not one day more, or they must pay the seller and you are going to get stuck. What a lot of disreputable sellers do is to string the customer along with promises of "the item will be in next week", or "it is going to ship in 10 days", etc. They basically run out the clock on the 60 days and then stop answering your calls and emails because at that point, they have your money and no one, including the bank, is going to help you. SO, IF YOU HAVE ANY INKLING THAT YOU ARE NOT GETTING WHAT YOU ORDERED, YOU MUST CALL AND GET THE PAPERWORK TO OPEN A DISPUTE ABOUT THE CHARGE RIGHT AWAY. The clock is ticking. If ultimately the seller comes through, you simply withdraw the dispute or let the credit card issuer know that the matter has been resolved. If you wait, you lose.
QUOTE: Originally posted by dan18425 What????? If you want to protect your rights under the Federal credit laws, you MUST notify your credit card company in writing, and there is a specific address that you must send it to, not just "When you pay the credit card bill insert a small note" into the payment envelope. You have 60 days to notify the credit card company and your time is running low. You must CALL the credit card company and ASK them to tell you the specific procedure for DISPUTING a charge and then you MUST send them the dispute complaint in WRITING before 60 days has elapsed. What many of these retailers do is to ignore you for 60 days knowing full well that while you are trying to be polite, you are wasting your time under the Federal credit card laws. They literally run out the clock on you, then tell you to go pound sand. At that point, after 60 days, you have no one, including your credit card issuer, who will help you. I don't think I would take a chance on losing your rights by "When you pay the credit card bill insert a small note". Maybe it has worked for the guy who posted that, but any consumer advisor will tell you not to do it that way. Ps. PLEASE email me the name of the merchant. Dan R.
Don
TCA#09-63805
Modeling the Baltimore waterfront in HO scale
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