Credit Union debit Mastercard dispute question- contractor deposit

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
4 posts
PaulM
 
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Joined: Wed Jan 08, 2014 12:30 pm
Location: FL

Credit Union debit Mastercard dispute question- contractor deposit

Postby PaulM » Wed Jan 08, 2014 12:39 pm

Hi there

New to these forums so hope this is in the right place. Would appreciate any advice... I have a dispute with an a/c contractor who installed a/c which basically doesn't work (the city inspected it and it failed inspection, we have written quotes from other contractors detailing how it basically needs to be replaced in order to function)...

My concern is that I've read disputes don't cover 'quality of goods'... I'm wondering whether this falls under 'not delivered as agreed'.

FYI the contractor was so bad (a series of missed appointments, unexplained delays, unreturned calls... we really picked a dud) we don't have faith in them fixing it, hence we want to get someone else and get our money back. At an earlier stage in the process I did ask for a refund from the contractor who told me he didn't have the money to pay it back! Sadly we did not have an agreed completion date in writing so there's nothing specific they missed (although verbally they told us it would take a few days... it took a month)

Any advice for whether we can make a case for the card company permanently reversing the charge for the deposit would be gratefully received!


MemberSince99
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Location: WI

Postby MemberSince99 » Wed Jan 08, 2014 6:19 pm

I'm afraid I don't have much good advice for you though I'm sorry to hear of this. The one time I used my debit mastercard and got flat out screwed, as in nothing for my money at all and only the run around to show for it, I disputed the charge with my bank. They then claimed that by mastercard's rules, all the merchant had to do was say they were willing to work with me to resolve the dispute and they could do nothing to help me, and they claimed the merchant said they were willing to work with me hence their hands were tied. I told them I had no way to contact the thieves I mean sellers except email, to which I only got automated responses requesting I buy something else from them and that any day now they would resolve my issue. It's like free beer - it's always tomorrow, they of course never did and I knew they wouldn't even then. So I asked the bank could they please provide me with a contact number of the thieves so I could contact them and "work with them" since I had no way to get ahold of them, and the bank said no they had to respect the privacy of the thieves. I asked the obvious question so what if they never contact me and do nothing (which is what happened) and they said call us back. I said what will you do then, ask them again if they are willing to work with me, hear yes, and do nothing until I run out of the dispute window? No real answer to that, but that's pretty much the game there.


If that's really true and not just some BS my bank was telling me to help the crooks shaft me, and mastercard has the same rules in effect, I don't imagine you'll get far. In that case, if the bank tells you too bad so sad but in nicer terms, you may have to hire a lawyer and sue the contractor in question, or depending on the situation, file a suit in small claims court against them.


That has a better chance of success. Try the mastercard route first, then resort to court if that gets you nowhere.

PaulM
 
Posts: 2
Joined: Wed Jan 08, 2014 12:30 pm
Location: FL

Postby PaulM » Thu Jan 09, 2014 10:50 am

Thanks for the response- sorry to hear the trouble you went through- shame they don't give a time limit for the merchant to resolve the issue

kwrxxx
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Location: Oregon

Postby kwrxxx » Fri Jan 10, 2014 6:02 pm

Hi, You need to read up about small claims court and file a lawsuit there. I'm afraid a debit card won't protect you. Just go ahead file a lawsuit and have the company served. Also sue the employee(s) that did the work. They may offer to settle before you go to court. If you win slap a lien on all their property then force them to sell it to settle.



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