How long after buying a "service" through a credit card can you still get the money back?

[StageLeft]

I don't want to get into it because I'll get banned but suffice to say there is a service we paid for back in August (a credentials checking service for degree) through mastercard and they are totally dicking us around beyond all comprehension. I mean I could go into it but you'd not believe me.

So if I finally decide that enough is enough, at what point will it be too late to call up MBNA and tell them I want my money back? Is there a common time period or does it not matter?

 

[PsychoAndy]

Originally posted by: Skoorb
I don't want to get into it because I'll get banned but suffice to say there is a service we paid for back in August (a credentials checking service for degree) through mastercard and they are totally dicking us around beyond all comprehension. I mean I could go into it but you'd not believe me.

So if I finally decide that enough is enough, at what point will it be too late to call up MBNA and tell them I want my money back? Is there a common time period or does it not matter?

Well, you can disupte the charge and MBNA would act as an intermediary, but the utimate decision as to if a credit is issued is up to the merchant.

-PAB

 

[GoingUp]

No skoorb, you cant get your money back after paying for a prostitute with a credit card 😛

 

[StageLeft]

Well, you can disupte the charge and MBNA would act as an intermediary, but the utimate decision as to if a credit is issued is up to the merchant.

-PAB

Well if the merchant doesn't offer the service MBNA can say that I never received it though...

 

[GoingUp]

What is the MNBA?

I guess that I look at it this way, you paid for a service that wasn't provided, which would seem like a breach of contract to me. I would think you should be able to get your money back although you might need to take them to small claims court to do it.

 

[StageLeft]

MBNA is my credit card company.

I am sure that they'll give us the service eventually, but it was originally supposed to take 2 weeks, or 4 tops. It's going on 3 months and will take at least another month. If it gets to the point where we don't want it now because they took so damn long, well hell I never got what I paid for did I?

 

[PsychoAndy]

Originally posted by: Skoorb

Well, you can disupte the charge and MBNA would act as an intermediary, but the utimate decision as to if a credit is issued is up to the merchant.

-PAB

Well if the merchant doesn't offer the service MBNA can say that I never received it though...

Then I'd ask you why the hell you're not on the phone opening the dispute now. 🙂

The entire case becomes a preponderance of the evidence thing. If they fail to deliver, and cant prove that they delivered to MBNA, you should be able to get a credit.

-PAB