My issue starts with an online purchase for a marketing report for work (at the time I lived in PA and worked in NJ). I placed the order on my corporate AMEX; the order did not go through because the AMEX did not accept the purchase. Later I found out that the company would not accept the purchase so I had contacted the research firm to cancel the order. They claimed that they do not offer cancellations due to the sensitive nature of the report (they claimed that once an order was sent they order the report from another firm). They could not cancel the order even though I had not received the report. Their policy does state occasionally they will consider the cancellation of an order on an individual basis.
I have pleaded with them that this should be one of those occasions where they cancel and order, my employer will not reimburse for the report and that I can not personally afford to pay for the report myself. They offered to give me credit towards another report once I paid but I donít need the report I order or another report. They have since sent this to a credit agency for collection and I want to know if I have any legal standing to convince them that this should be one of the occasions that they cancel an order or if I have any legal protection in this case to prevent this from affecting my credit?