Credit card company gave me a permanent credit, the merchant is suing me for the money, what should I do?

Question

I went to Huntington Honda dealer in Huntington, NY 11746 and placed the order for brand new vehicle.
Ordered few accessories including 1) Fog Light 2) All Season Mat 3) Cross Bar 4) Cargo Board 5) Backup Sensor
Went to pick up the vehicle on Nov 14, 2005 in the evening.
Gave the cashier's check for the huge amount and some remaining money ($2149) by credit card
Realized next day that the backup sensor were what I ordered. Went through lot of hassle to get it fixed.
Had to dipute credit card charges.
The credit card bank converted the temporary credit that they had given me to a permanent credit.
They send me a letter saying that their investigation is over and that the temporary credit is now a permanent credit.
Under the terms and condition of the my credit card it mentions that if I am not satisfied with the purchase and tried in the good faith to resolve the issue and not happy with the result, I do not have to pay the amount.
Dealership is suing for $2149 on credit card

Answer 1

Sounds like you eventually got what you ordered and it is working properly? If so I don't understand what your problem is? You owe them 2149.00, period. Just because the credit card made it a permanent credit doesn't absolve you from having to pay the debt. Now, if your disputing the amount you owe because of the hassle you had to go through to get what you ordered then that is a different issue entirely and you have to settle with the dealership for that amount. But either way you owe $2149.00 or an amount that you settle for with the dealership.

Answer 2

You owe it. Pay it.

Just because your credit card company reversed the charge does not mean you can be released of your responsibility. You bought the car and they fixed the problem so why are you trying to stiff them? Just because you were a little inconvenienced does not mean you can steal $2K from them. Now if you didn't get all the parts you ordered then that's a different situation.

PAY IT or if you go to court you'll be liable for other expenses such as lawyer and filing fees.

This is the reason why dealers don't allow buyers to charge too much on their credit cards.... so they can have the charges reversed later to stiff them. You are ruining it for the rest of us. PAY IT!!!!!!!!!!!!

Answer 3

This is more of a legal issue then a car issue. I would move this question to the Legal section of Yahoo answers, I would also seek the Advice of legal counsel to resolve this issue. Double check the contract that was issues with the CC company, If you have documentation that you attempted to resolve the issue take that to the lawer with the contract about the not satisfied condition.

Answer 4

Go to court if the dealer does not agree with you. If you can prove you have paid for you options, no court can force you to pay twice. However, if you have not paid (because you received a refund credit) you can not keep the options. You can not have both, no matter what the credit card company states. If you received products and keep them you must pay for them.

Answer 5

you may not sue the credit card corporation, yet they must pay for all of the charges that occurred out of your card being stolen. they are additionally liable for sending your card securely for the period of the mail, so if it happens lower back, i could say you have got a case against them. otherwise, i could assume that somebody is getting a carry of your mail before you.