My question involves collection proceedings in the State of: Virginia
Iím running into issues with my card issuers in regards to disputes. In Jan I had a machine shop work on my intake manifold and the shop owner did a horrible job, then tried to accuse me of CC fraud. He says I was going to send back my cylinder heads but left out the part about him telling me they needed to be milled in order seal properly despite being brand new. My CC company has been dragging ass on the case since I then.
I just had an incident with Wal-Mart where they send a $60 phone card to an old email address of mine and even when speaking with the manager she acted like she couldnít hear me say repeatedly that I have the proper transaction and ticket number so she could pull up info and see it was sent to an account that is no longer active. I filed a dispute through PayPal for this one.
Hereís my main question. Iím sick of this of crap going on especially when itís designed to protect the card holder but the merchant keeps finding ways to dupe the system. If these two transactions arenít refunded Iím cutting up all CCís and refusing to put anymore payments towards them.
My family thinks Iím crazy for doing so and is trying to convince me that theyíll come take my car if I donít pay up. However upon looking it up the law in VA only allows debtor liens to be placed against real property, my car doesnít fall under the definition of real estate and I rent so the only thing they could do is garnish wages months if not years from now in the event I get sued. They also want me to believe itíll be looked at as a criminal matter which I know is a load of BS.
Correct me if Iím wrong but the above paragraph in regards to what they can do to recoup any delinquency is right, isnít it?