U.S. CitiesCity-Data Forum Index
Go Back   City-Data Forum > General Forums > Shopping and Consumer Products
 [Register]
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
View detailed profile (Advanced) or search
site with Google Custom Search

Search Forums  (Advanced)
 
Old 10-18-2010, 08:47 PM
 
131 posts, read 378,602 times
Reputation: 39

Advertisements

I signed a contract with a contractor to do some drywall and painting work. I made an initial payment with my credit card and signed a contract that stipulated what work should be done and the amount that would be due upon completion.

The contractor did not complete all the work specified and did a terrible job on the work he did. I complained but he just charged my card anyway.

I disputed the charge and thought I had a valid case as the work was not completed as specified on the contract and the contract says the final payment is not due until work is complete. Instead the credit card company did not honor my claim as they said basically since I signed the contract the merchant can charge my account in full, and beyond that, the dispute over the work done was just "he said she said" and there was nothing they could do about it.

I'm pretty pissed as I thought I would be protected in this case. If I had known I was basically pretty much paying the amount in full before the work even started I would have never agreed to sign the contract.

Does the consumer really have no rights in this case?
Reply With Quote Quick reply to this message

 
Old 10-18-2010, 10:33 PM
 
48,516 posts, read 85,152,828 times
Reputation: 18083
You can take the contractor to court. this is a dispute for the courts to handle on work performed and card company cannot settle the dispute.
Reply With Quote Quick reply to this message
 
Old 10-18-2010, 10:36 PM
 
Location: Brambleton, VA
2,187 posts, read 6,944,183 times
Reputation: 2165
Credit card companies look for proof of the charge - a scanned card, a signature, or swiped card. If any of those conditions exist, they will not honor the dispute. I agree that claims court is going to be your only option or contacting your local BBB for their advice. Good Luck! I hope you have a good outcome.
Reply With Quote Quick reply to this message
 
Old 10-19-2010, 10:12 AM
 
131 posts, read 378,602 times
Reputation: 39
There are a total of 4 receipts, two that I signed and definitely authorized the work. The last two receipts have a blank signature line.

I just feel this is ridiculous the way it works. if you give someone your card to make an initial payment, and have a contract to pay the rest later upon some condition, like when the work is completed to your satisfaction, the merchant can take advantage of the system and get the full amount of the contract regardless of it the terms of the contract were met, as the credit card company will not deal with the contract dispute.

The merchant DOES NOT NEED TO PROVE THE WORK WAS COMPLETED AS SPECIFIED IN THE CONTRACT, THEY ARE GIVEN THE BENEFIT OF THE DOUBT.

WTF!!!!????
Reply With Quote Quick reply to this message
 
Old 10-19-2010, 08:19 PM
 
48,516 posts, read 85,152,828 times
Reputation: 18083
Basicall you are the grived party and that is why you must sue and proof the case against the other party. That is the way the system always works as setup by attorneys. Most areas have permit requirements;codes and inspections that can help tho i proving the case.
Reply With Quote Quick reply to this message
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.

Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.


Reply
Please update this thread with any new information or opinions. This open thread is still read by thousands of people, so we encourage all additional points of view.

Quick Reply
Message:

Over $104,000 in prizes was already given out to active posters on our forum and additional giveaways are planned!

Go Back   City-Data Forum > General Forums > Shopping and Consumer Products
Similar Threads
Follow City-Data.com founder on our Forum or

All times are GMT -6.

© 2005-2019, Advameg, Inc. · Please obey Forum Rules · Terms of Use and Privacy Policy · Bug Bounty

City-Data.com - Archive 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35 - Top