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[RC] Suggestions/Advice - k s swigart

Linda said:

The order was processed on my card immediately and sent - but never
received.

You can call the credit card company and tell them that you ordered
something mail order that you never received, and they will remove the
charge from your card (and inform the seller of same).  Then, if you do
later receive it, you can call the credit card company back and tell
them so, and they will put the charge back on your account.

This is pretty much true for anything you order mail order using any of
the major credit cards.

If the seller continues to do business with the credit card company,
then the seller will not receive payment until you tell them that the
item has been received or until the seller provides proof of you having
received it, proof of having put it in the mail isn't good enough for
the credit card company.

If the seller is no longer doing business with the credit card company
and/or has done a bunk (not saying that this is true in this case), then
the credit card company will eat the cost.

No matter what the case is, if you dispute the charge, unless the seller
can provide proof that you received it (like, if you signed for it), you
won't have to pay for it.

Getting a call from the credit card company saying that they won't get
paid until they ensure delivery is usually enough to get most sellers to
figure out a way to get it delivered to you.

"Lost in the mail" is the seller's problem, not the buyer's, unless you
bought it FOB (a old shipping term that stands for Free on Board, which,
in essence, means that the buyer is responsible for arranging the
shipping, its costs and, more importantly, risks).  Virtually no retail
mail order stuff is sold FOB.

kat
Orange County, Calif.


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