Merchant charged me too little and is now coming after me

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
17 posts
MemberSince99
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Postby MemberSince99 » Wed May 21, 2014 1:23 pm

So it's unprofessional to want to get paid the agreed upon amount?


Yes the business screwed up - they charged 26 cents when they should have charged 26 dollars. It happens. The OP still agreed to pay 26 dollars so what's the big deal?


And why would the judge laugh? If a judgement is attained, there are many ways to collect on that judgement. Frankly it's kind of nutty to even fight over 26 dollars (or 25 and change in this case) that the OP agreed to pay them in the first place.


And for what it's worth that 25 dollars and change can be turned over to a collection agency who can put it on the OP's credit reports, thus destroying a good score. Is it REALLY worth that just to prove some point that's really beyond me? It's cutting off your nose to spite your face. How much would a drop of a 100 points on a credit score cost you, more than 25 bucks? Almost certainly and very quickly.


I personally would have just paid via phone and been done. Pick your battles - this isn't one that is worth it.


wiivile
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Postby wiivile » Wed May 21, 2014 5:21 pm

"pick your battles" is what you should say to the business owner. coming after a customer weeks later and threatening to sue over YOUR $25 mistake is simply bad business
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Kaiokenryu
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Postby Kaiokenryu » Wed May 21, 2014 5:51 pm

i see this two fold: one from an ethical standpoint and one from a business stand point.

ethically....I am glad that the OP WANTS to pay what he is owed....and he is right for not letting it disrupt life....but I don't understand how the OP left the establishment and didn't know they nearly got the item for free. but things happen. I couldn't sleep at night knowing they lost merchandise that i attempted to pay for and wanted...but got for free. Because of this kind of situation...i review all reciepts before i leave counter....it doesn't take but a second.

business.....yes...writing off 26 dollars has consequences. it probobly takes 50-60 more in sales just to replace the lost profit and merchandise not mentioning keeping sales momentum going. a small business can't absorb $26 loss here and there unless the gross margin percentage is ridiculously high.

they have every right to go and "politely request payment balance" and to go further is just simply because they can. this is a training lesson for the team member and a life lesson for the cardholder.

MemberSince99
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Postby MemberSince99 » Wed May 21, 2014 8:53 pm

wiivile wrote:"pick your battles" is what you should say to the business owner. coming after a customer weeks later and threatening to sue over YOUR $25 mistake is simply bad business




Try to look at it this way - suppose you enter your hours into a computer system, and for whatever reason (say a system update) you enter them wrong - you enter 4 hours instead of 40, and your employer pays you for the 4 hours you entered.


It's your mistake. Would you be willing to just say ok don't pay me for the other 36 hours, I screwed up and I will eat the time? Or would you expect the mistake to get corrected and for you to get paid for 40 hours?

benhollberg
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Postby benhollberg » Wed May 21, 2014 9:08 pm

I want to know how the business didn't notice this mistake in the first place, or later that day when they settled their batch (which should be done daily). Additionally, most merchants can change the amount that is charged even after if it charged. If I was the business owner I would have said that we made the mistake and kindly ask for the $25.xx difference. I know at my work I can add or subtract the amount charged before I settle the batch, so I would call and say I can add the $25.xx with your permission. If they do not agree to pay it I would kindly ask that they come back but wouldn't demand or sue for the money since it was the businesses mistake, not the customer.

MemberSince99 wrote:I've sued (in small claims) over $40. This was granted in the mid 80s when 40 dollars was more money but still. My beater at the time had a badly cracked windshield so I went with a buddy to a junkyard (he was getting some parts) and when I was there, I said I needed a windshield but had no way to take it that day with me so I'd come back for it. I paid the guy the money he gives me a receipt and I leave. I went back a couple of weeks later to get the windshield and by now it's colder as it's fall. He tries to get two of them and cracks the glass so then he says it's your fault I lost two windshields I'm not getting more and I'm keeping your money too, to pay for the windshields you broke. I was like dude, it's not my fault you didn't take one out when I paid you to have it ready when it was warmer, if you don't either give me a windshield or my money back, I will sue you. He laughed and said go ahead I don't give a rat's ass, pussies like you are all talk and no action.


So guess what? I drove right down to the country courthouse, filed small claims papers, including the service for the county sheriff to serve him the papers, and initiated litigation. This ***** wasn't bluffing. After he got served he got nervous, the natural reaction, and then calls me and says I'll give you the 40 dollars. I said well great but now I have court costs for the suit too I'll need to be compensated for. He screams f you you f'ing little weasel I'll see your ass in court first! I was like ok have it your way let's see what a judge says. Two days before the hearing, he calls me and says fine I'll give you the 40 dollars and your court costs my lawyer says I'm gonna lose and to just pay you to make it go away. So he gives me the money I make the suit go away, and I learned who to never go to for parts in the future.


This is easily Member's best post.
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flan
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Postby flan » Wed May 21, 2014 10:51 pm

wiivile wrote:Feel free to garnish my wages for $25. Not that that would happen. A judge would laugh at this case.


no, a judge wouldn't, particularly if the defendant didn't appear. They'd get a judgement, and your employer will comply with the order to garnish your paycheck (well, they can fire you instead...), assuming your state allows that. I had an employee get garnished for something like $50. (Since he was a part time shop clerk, meant we probably never paid him enough to hit the threshold to withhold anything, but the payroll company does the work.)

MemberSince99
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Postby MemberSince99 » Thu May 22, 2014 6:30 am

benhollberg wrote:
This is easily Member's best post.




But the best part to me is still to come. He wanted me to go to his junkyard to get the money (nowadays I'd probably think long and hard about that as he could very well feed me to his guard dogs...) so I did, and he stressed over and over how much he needed that to just disappear and how I should go that very day and close it out. Sure, no problem, I got paid so I agreed to do that (and did) and then as I'm leaving he looks at me totally seriously and says something like "And you better never come back here again". I couldn't help laughing at that one and I said to him right to his face "After you just got done trying to f*** me why would you think I would ever WANT to come back here?"


I don't recall him having an answer he cared to share with me, so that was that.



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