I have a service issue with a retailer I made a big purchase from. I put down a large deposit on my Visa and I am waiting delivery of my item. However since then, I have had many service issues with the retailer, including the owner rudely belittling my wife on the phone. I worry about the final quality of the product that will be delivered since now the owner is demanding that he gets paid the full balance the day before delivery. This guy doesn't deserve to be in business.
My understanding is that once I pay off a Visa statement, I can no longer dispute any charges. I have already paid off the statement with the initial deposit.
I have a few questions which I would really appreciate some help on.
- Is it too late to dispute the deposit amount now? It's been 1.5 months since the deposit was made.
- Would it be too late to dispute the initial deposit amount after delivery? Delivery will be approximately 3 months after initial deposit.
- Do I have a basis to dispute the deposit and get a refund? We have a written contract detailing a purchase and the owner's rude behaviour is all through the phone, nothing in writing. The owner will claim that he already made the purchase and he will incur a loss if he cancels the order.