I purchased a painting at a store that cost about 1200 dollars on Sunday. I paid 15 % (about 250) by credit card and the rest of it by financing. When I made the purchase, they had a 3 month free financing offer. However, my credit was not strong and was not approved for credit. Before I made the purchase, I asked whether if I do NOT get approved for credit, can I get my deposit back. They said "Yes". On Sunday, the banks were closed to process credit. After 3 days later, the called me saying that I got denied for credit. Therefore, I would have to pay the rest by credit or check. I did not have the money to pay the rest by credit. They now said deposit is not refundable.
However, they accidently shipped me the painting (without full payment). After 5 months, accounting caught up with the short change and called me. My question is if I do not pay, can they legally screw my credit (or do something), even if they mess up by shipping me the painting? I even offer to return picture.
2007-02-07 14:50:04 · 3 answers · asked by supersupau2002 1 in Business & Finance ➔ Credit
They cannot do anything to your credit because you dont have any credit with them. NO CONTRACT EXISTS! They know that they have no recourse (other than to threaten court) that is why they are calling you begging for it back!
I am sure that if they would have REFUNDED Your money at the start of this mess, this would not have been an issue!
BUT NO
THey are extortionists! KEPT YOUR $250.00 for no reason at all!
Man this makes me angry!
Sure they might be able to file a small claims against you, LET THEM.
What exactly would they say?
That they sent you a painting that you agreed to pay for but didnt?
THEN HAVE THEM COUGH UP THE RECIEPT!
Doesnt exist
THEY Sent you a GIFT!
If they do actually get in front of the judge, the worst that will happen is that they ASK you to return the painting! At that point you tell them that you are holding the painting for hostage for your DEPOSIT!
THey want to keep your money for nothing but when you do the same thing then it is a problem
LMAO @ karma!
(hunting is no fun when the rabbit has the gun!)
sorry to say but I would tell them that you will refund the painting when they refund your deposit THOSE are the terms, if they dont like it, POUND SAND!
YOU RUN THIS SHIP NOW!
If it comes down to it, you simply say that you though it was a gift just like they thought your deposit was!
You did not agree to the terms that they stated so they should have never sent you the item or they should have refunded your money. THOSE WERE THE ONLY TWO OPTIONS OF AN HONEST BUSINESS!
Karma is great!
There is NOTHING they can do to you other than demand payment in court . Show them your reciept and tell them that the sales person told you something different when you called to let them know it arrived.
(since they keep changing the story anyway...how would they know )
NO ONE in their right mind would give away 250 on the "chance" that they might not get approved! THAT IS JUST COMMON SENSE! so you obviously thought you would get your money back. Bet when you cried to them about your $250.00 they didnt care.
There is NO reason that they could not have given you your money back other than the fact that they are dishonest! PERIOD
so since they are then they should expect it that it will come back to them!
No refund, no painting! just that simple
ANd for the record, you are better than me.
I would NEVER ever give them that painting back, if they wanted it they would have to pry it out of my dead corpse's hand!
When they call you again tell them what the terms are and that you will return the painting when those terms are agreed to in writing BEFORE YOU SHIP ANYTHING!
Tell them any other calls will be considered harrassment and that you will seek 2k in damages if they continue! Hang up
2007-02-07 15:01:26 · answer #1 · answered by kissmymiddlefinger 5 · 1⤊ 0⤋
Bad credit is one of the worst problems to have... however there exists a solution.
I will hereby talk from my personal experience.
I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details,
if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,
a good place to start in my humble opinion is astraight to the point ebook with question and answer I found :
http://umgarticles.atspace.com/debt-consolidation.htm
if it helps kindly remember me in your voting!.. cheers!
2007-02-08 18:33:39 · answer #2 · answered by gabriel jones 4 · 0⤊ 0⤋
If they could they would have done it.
How did the painting arrive? play dumb and ask for proof that they sent it.
plan your strategy accordingly.
When they call back ask them what painting are they talking about? (Imply that you purchase alot of art)
Tell them you would be willing to look and return it if found if they are willing to refund your money.
If they don't, you dont.
just that simple.
2007-02-08 05:58:19 · answer #3 · answered by lisa s 6 · 0⤊ 0⤋