I am so sick of this shit............... - GoFuckYourself.com

Choker · 01-12-2006, 01:34 PM

What would you do if a certain credit card processor you used to use not only lets anyone charge back without fighting it, they charged you double? IE if someone charged back $500 they deducted $1000 from you?

TDF · 01-12-2006, 01:35 PM

JOKER · 01-12-2006, 01:36 PM

Quote:

Originally Posted by Choker

What would you do if a certain credit card processor you used to use not only lets anyone charge back without fighting it, they charged you double? IE if someone charged back $500 they deducted $1000 from you?

Is this in their policy?!

Choker · 01-12-2006, 01:39 PM

Quote:

Originally Posted by JOKEREMPIRE

Is this in their policy?!

NO it is not

EdgeXXX · 01-12-2006, 01:41 PM

Quote:

Originally Posted by Choker

What would you do if a certain credit card processor you used to use not only lets anyone charge back without fighting it, they charged you double? IE if someone charged back $500 they deducted $1000 from you?

Sounds exactly like Paypal

Choker · 01-12-2006, 01:42 PM

Better yet, what if they refunded the $500 purchase months ago then recently decide to charge you back another $500?

SpeakEasy · 01-12-2006, 01:42 PM

How about a name so nobody else gets burned like this? or atleast we can keep a watch on them?

Sorry to hear about this bro.

Choker · 01-12-2006, 01:45 PM

Quote:

Originally Posted by SpeakEasy

How about a name so nobody else gets burned like this? or atleast we can keep a watch on them?

Sorry to hear about this bro.

Better yet, what if in their TOS they have a little disclaimer stating that if I call them out for bullshit they can deduct my money to pay for their attorney fees?

After Shock Media · 01-12-2006, 01:46 PM

Does the company have a V and a D in their name?

Choker · 01-12-2006, 01:49 PM

It gets even better, what if this theoretical cc company refunded the buyers $500 when he called them to complain months ago, the theoretical cc company never contacted me as they say they will in their TOS, hell they did not even INFORM me that there was a refund, then on top of that they allow the exact same person, same cc everything, to continue making purchases to me.

ServerGenius · 01-12-2006, 01:52 PM

Sounds like MyVirtualCard

rowan · 01-12-2006, 01:59 PM

Quote:

Originally Posted by Choker

What would you do if a certain credit card processor you used to use not only lets anyone charge back without fighting it, they charged you double? IE if someone charged back $500 they deducted $1000 from you?

1) Change processors
2) Take further action if you feel the need

Seriously, sounds like a pretty fucked up situation, and this isn't the first issue you've had with them. Time to look for alternatives IMHO.

JOKER · 01-12-2006, 01:59 PM

This sucks ass...

In the end of this the only ones that win are the lawyers anyway... just like in a bad divorce

Choker · 01-12-2006, 02:32 PM

Quote:

Originally Posted by rowan

2) Take further action if you feel the need

By taking other actions I assume you mean legal? What if burried deep in their TOS is a little clause that states that in the case of legal action, they can use YOUR money they are holding to hire a attorney against you?

JOKER · 01-12-2006, 02:39 PM

Quote:

Originally Posted by Choker

By taking other actions I assume you mean legal? What if burried deep in their TOS is a little clause that states that in the case of legal action, they can use YOUR money they are holding to hire a attorney against you?

Well, stop processing with them, get your money, then go the legal route.

What is their explanation regards those tactics and issues anyway?

I mean, if this is not in their TOS / policy, what gives them the right to do it?

Probono · 01-12-2006, 03:10 PM

The contract is an "adhesive" contract, I suspect the processor is not mainstream no real lawyer would put those terms into a TOs. They use TOS terms like that because people are afraid to challenge them. I doubt any court would enforce those terms but since you still need to pay the fight fees the best option is to find a new processor.

vicki · 01-12-2006, 03:12 PM

stop using that processor and get a direct merc lol

$5 submissions · 01-12-2006, 03:14 PM

They almost always take the side of the buyer. The seller is just a number to them. You need them more than they need you. That's just the way it is.

SilentKnight · 01-12-2006, 03:15 PM

Sounds like a rather fucked up processor. I agree with the suggestion about getting all your revenues owed first - then contacting an attorney and let them decide what merits a potential case has.

Was all this contained in the original TOS you signed to, or was this a revision after-the-fact? Either way, it all sounds extremely unprofessional and I highly doubt would stand up in front of a judge.

Rinaldo · 01-12-2006, 03:21 PM

That's Bull shit

xclusive · 01-12-2006, 03:26 PM

get your money out of there a.s.a.p.

Choker · 01-12-2006, 03:29 PM

Quote:

Originally Posted by JOKEREMPIRE

Well, stop processing with them, get your money, then go the legal route.

What is their explanation regards those tactics and issues anyway?

I mean, if this is not in their TOS / policy, what gives them the right to do it?

I have not taken cc as payment options for some time, but maybe this cc processor also has buried in their TOS a clause that they can hold all my funds for a additional 6 months if I stop using them?

So maybe this cc processor is holding my money thinking it will make me shut up?

rowan · 01-12-2006, 03:42 PM

Quote:

Originally Posted by Choker

I have not taken cc as payment options for some time, but maybe this cc processor also has buried in their TOS a clause that they can hold all my funds for a additional 6 months if I stop using them?

So maybe this cc processor is holding my money thinking it will make me shut up?

Do you mean they'll hold your reserves, or that they'll refuse to pay out your last period if you notify them that you're leaving?

In the first instance perhaps risking that 10% might be worth the satisfaction of legal action
In the second, just stop sending them transactions. Hope they don't notice too soon.

JOKER · 01-12-2006, 03:42 PM

Quote:

Originally Posted by Choker

I have not taken cc as payment options for some time, but maybe this cc processor also has buried in their TOS a clause that they can hold all my funds for a additional 6 months if I stop using them?

So maybe this cc processor is holding my money thinking it will make me shut up?

Ouch...

And meanwhile everyone who complains / feels like gets his money back from your held funds ...

Fucked up situation to be in, I wish you the best in getting your $$ and as much as possible of it of course...

Meanwhile you should talk to a lawyer anyway about them charging you double when someone does a CB.
If this is one thing that is NOT in their TOS at least get that covered and go against it, after you have back what is left from what they hold right now.

I guess this was a learning experience after all, and hopefully a heads up to some people still using them or about to use them.

Steve

Choker · 01-12-2006, 08:08 PM

Quote:

Originally Posted by rowan

Do you mean they'll hold your reserves, or that they'll refuse to pay out your last period if you notify them that you're leaving?

In the first instance perhaps risking that 10% might be worth the satisfaction of legal action
In the second, just stop sending them transactions. Hope they don't notice too soon.

They will hold all monies for 6 additional months from the time you stop processing, this includes reserves already being held for 6 months, so in essence this means you will not get some of your money for over a year.

Pretty fucked up eh?

mx8829 · 01-12-2006, 08:12 PM

what is the name of the processor ?

Choker · 01-12-2006, 08:14 PM

Quote:

Originally Posted by mx8829

what is the name of the processor ?

This is all theoretical, I am not saying this happened to me.

Dagwolf · 01-13-2006, 05:15 AM

That's a very interesting story. I happen to be looking for a processor right now, and I'll be sure to read the TOS very carefully. Not that I wouldn't have anyway.

chadglni · 01-13-2006, 05:23 AM

Quote:

Originally Posted by Choker

They will hold all monies for 6 additional months from the time you stop processing, this includes reserves already being held for 6 months, so in essence this means you will not get some of your money for over a year.

Pretty fucked up eh?

The double fees and chargebacks after a refund are fucked up yes. However, the holding of funds isn't too out there as for as high risk transactions go.

SmokeyTheBear · 01-13-2006, 05:27 AM

Quote:

Originally Posted by Choker

This is all theoretical, I am not saying this happened to me.

theoretically its mvc right ?

Dagwolf · 01-13-2006, 05:31 AM

Quote:

Originally Posted by SmokeyTheBear

theoretically its mvc right ?

Subtle as a sledgehammer.

cool1 · 01-13-2006, 05:50 AM

Time to sue maybe

ClamSmacker · 01-13-2006, 06:09 AM

Have you spoken to the purchaser to recover some monies, it still doesnt help your processor woes though

klinzter · 01-13-2006, 06:24 AM

same thing happened to me with paypal, this really sucks if you find a way to get the $$ back tell me

01-12-2006, 01:34 PM	#1
Choker Confirmed User Industry Role: Join Date: Apr 2001 Location: Orlando Posts: 9,024	I am so sick of this shit............... What would you do if a certain credit card processor you used to use not only lets anyone charge back without fighting it, they charged you double? IE if someone charged back $500 they deducted $1000 from you? __________________ ICQ me lets make a deal 116894466 Need dating, cam, or tube traffic? I got it.http://http://www.chokertraffic.com The Original http://www.chokertraffic.com/ Premium country pop-unders from $1.50 per k. I challenge you to compare this traffic to any other brokers. http://www.chokertraffic.com/public/tabs.php?t=o

01-12-2006, 01:35 PM	#2
TDF Triple OG nigga on GFY Industry Role: Join Date: Mar 2002 Location: in the BP4L family compound Posts: 27,296	__________________ Sig heil

01-12-2006, 01:42 PM	#6
Choker Confirmed User Industry Role: Join Date: Apr 2001 Location: Orlando Posts: 9,024	Better yet, what if they refunded the $500 purchase months ago then recently decide to charge you back another $500? __________________ ICQ me lets make a deal 116894466 Need dating, cam, or tube traffic? I got it.http://http://www.chokertraffic.com The Original http://www.chokertraffic.com/ Premium country pop-unders from $1.50 per k. I challenge you to compare this traffic to any other brokers. http://www.chokertraffic.com/public/tabs.php?t=o

01-12-2006, 01:46 PM	#9
After Shock Media It's coming look busy Join Date: Mar 2001 Location: "Ph'nglui mglw'nafh Cthulhu R'lyeh wgah'nagl fhtagn". Posts: 35,299	Does the company have a V and a D in their name? __________________ [email protected] ICQ:135982156 AIM: Aftershockmed1a MSN: [email protected]

01-12-2006, 01:49 PM	#10
Choker Confirmed User Industry Role: Join Date: Apr 2001 Location: Orlando Posts: 9,024	It gets even better, what if this theoretical cc company refunded the buyers $500 when he called them to complain months ago, the theoretical cc company never contacted me as they say they will in their TOS, hell they did not even INFORM me that there was a refund, then on top of that they allow the exact same person, same cc everything, to continue making purchases to me. __________________ ICQ me lets make a deal 116894466 Need dating, cam, or tube traffic? I got it.http://http://www.chokertraffic.com The Original http://www.chokertraffic.com/ Premium country pop-unders from $1.50 per k. I challenge you to compare this traffic to any other brokers. http://www.chokertraffic.com/public/tabs.php?t=o

01-12-2006, 01:42 PM	#7
SpeakEasy Confirmed User Join Date: Sep 2002 Location: The Internet Posts: 2,681	How about a name so nobody else gets burned like this? or atleast we can keep a watch on them? Sorry to hear about this bro.

01-12-2006, 01:52 PM	#11
ServerGenius Confirmed User Join Date: Feb 2002 Location: Amsterdam Posts: 9,377	Sounds like MyVirtualCard __________________ \| http://www.sinnerscash.com/ \| ICQ: 370820 \| Skype: SinnersCash \| AdultWhosWho \|

01-12-2006, 01:59 PM	#13
JOKER Facit Omnia Voluntas Industry Role: Join Date: Apr 2003 Location: Offshore Posts: 2,105	This sucks ass... In the end of this the only ones that win are the lawyers anyway... just like in a bad divorce __________________ Facilitation - BizDev - Traffic - Consulting - Marketing Skype: jokerempire \| Silent Circle: joker

01-12-2006, 03:10 PM	#16
Probono Confirmed User Join Date: Oct 2002 Location: Under the Rainbow Posts: 2,731	The contract is an "adhesive" contract, I suspect the processor is not mainstream no real lawyer would put those terms into a TOs. They use TOS terms like that because people are afraid to challenge them. I doubt any court would enforce those terms but since you still need to pay the fight fees the best option is to find a new processor.

01-12-2006, 03:12 PM	#17
vicki Confirmed User Industry Role: Join Date: Feb 2002 Location: Deep in the heart o' Texas Posts: 1,478	stop using that processor and get a direct merc lol __________________ If at first you do succeed - try to hide your astonishment. HR merchant accounts from 3.45% solid biz since 98 victoriakozub AT gmail.com skype: victoria.kozub \| ICQ: 74296746

01-12-2006, 03:14 PM	#18
$5 submissions I help you SUCCEED Industry Role: Join Date: Nov 2003 Location: The Pearl of the Orient Seas Posts: 32,195	They almost always take the side of the buyer. The seller is just a number to them. You need them more than they need you. That's just the way it is. __________________ Need a NON-ADULT income stream? We build your YOUTUBE CHANNEL for only $20 per video! For Hire: $3/hour or $400 per month Marketing Specialist Virtual Assistants

01-12-2006, 03:15 PM	#19
SilentKnight Megan Fox's fluffer Industry Role: Join Date: Oct 2005 Location: shooting pool in Elysium Posts: 24,818	Sounds like a rather fucked up processor. I agree with the suggestion about getting all your revenues owed first - then contacting an attorney and let them decide what merits a potential case has. Was all this contained in the original TOS you signed to, or was this a revision after-the-fact? Either way, it all sounds extremely unprofessional and I highly doubt would stand up in front of a judge.

01-12-2006, 03:21 PM	#20
Rinaldo Confirmed User Join Date: Sep 2003 Location: South Florida Posts: 5,086	That's Bull shit

01-12-2006, 03:26 PM	#21
xclusive Too lazy to set a custom title Join Date: Apr 2004 Location: Buffalo, NY Posts: 35,218	get your money out of there a.s.a.p. __________________ I support MediumPimpin.com / Shemp's Outlawtgp.com /

01-12-2006, 08:12 PM	#26
mx8829 Confirmed User Join Date: Jan 2005 Location: San Francisco, CA Posts: 891	what is the name of the processor ? __________________ contact jambojack at gmail

01-13-2006, 05:15 AM	#28
Dagwolf President of Canada Join Date: Sep 2003 Location: Leaving Hell, Entering Limbo Posts: 23,141	That's a very interesting story. I happen to be looking for a processor right now, and I'll be sure to read the TOS very carefully. Not that I wouldn't have anyway. __________________ Sleep well, and dream of large women.

01-13-2006, 05:50 AM	#32
cool1 sex is good Join Date: Sep 2001 Location: Carman, MB Canada Posts: 24,939	Time to sue maybe __________________

01-13-2006, 06:09 AM	#33
ClamSmacker Confirmed User Join Date: May 2004 Location: Oztralia Posts: 677	Have you spoken to the purchaser to recover some monies, it still doesnt help your processor woes though

01-13-2006, 06:24 AM	#34
klinzter Confirmed User Join Date: Dec 2005 Posts: 118	same thing happened to me with paypal, this really sucks if you find a way to get the $$ back tell me