Bob Keller
Trying to update my avatar since 2020
MartyE and Kodi the Husky Dog! ( 3/31/90-9/28/04 ) www.MartyE.com My O Gauge Web Page and Home of Kodiak Junction!
Jon
So many roads, so little time.
"I like my Pullman Standards & Budds in Stainless Steel flavors, thank you!"
QUOTE: Originally posted by quadk Sorry to hear about your bad misfortune. I am lucky and have a number of hobby shops relatively close by and one of them can seem to find what I want (or need). I just wish more people would keep using the hobby shops instead of mail order to keep them around. Good Luck!!
QUOTE: Originally posted by Buckeye Riveter 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. Dan is correct. He posted this same good information on the topic where someone had a problem with another merchant. The times I have put the note in with the check to the CC Company, I was not even close to the 60 days he has referenced. I didn't need to commence using the formal procedure that he has outlined because the problem was taken care very quickly by the CC Company. If it had lingered, I too would have initiated the procedure prior to the 60 days. Dan, remember we were in Scranton, PA the same day at Thanksgiving.[:D]
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.
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 AlanRail The forum is the place to air problems like this so long as they are true. using the forum to air lies is not a good thing. Alan
QUOTE: Originally posted by northern 1 I have received tons of email on this item, so the people who want to know who it is are finding out. Many have been surprised, as was I as I have never had this happen before. If you want to know just email me and it only takes a second to answer. lickness2002@yahoo.com. Dave.
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