Company never charged CC, now they want the money?

OK fine pay it - make sure your CC was never charged, otherwise tell them it's their problem (e.g. you shouldn't have to pay any type of penalty or fee for late payment).

This happened to me once with an insurance payment - I payed them 6 mo in full (nearly $1k), printed out the confirmation then 2 months later got a nastygram "your insurance will be cancelled..... for nonpayment". WTF? I called them and told them it's their fault they didn't bother to actually charge the card, not mine.

You need to pay the charge. Look through your statements and verify that your card was not charged.

Did you pay with a virtual account number? Those are usaully only valid until end of the next month.

Quote from LizardSlayer : So I buy the laptop listed here http://slickdeals.net/f/3538706-A...-Home-308? 3 months later they call saying they never received my payment. I got the laptop on time, and I can NOT see where they charged me on my CC statements! I would like to pay for it if I do actually owe them for it, but I don't want to double pay either, where should I start? I am also wondering if they can just charge me now, or do they need my permission since it purchased so long ago on 11/11/11?

Really? How hard is it to look back at your credit card transactions?

What laptop, you never got a laptop from them.

Don't pay it and tell them to sue you if they want the money so bad.

Quote from Nollywood : Don't pay it and tell them to sue you if they want the money so bad.

he will lose

did...did a mod seriously delete my post about the laptop thing? I was being crass...jesus.

Quote from PiratesSayARRR : he will lose

nope, not in a small claims court.

Quote from Nollywood : nope, not in a small claims court.

A bit naive you are. The buyer has a duty to pay for the product. The seller provided the product and for whatever reason never charged the buyer. That does not relieve the duty of the buyer to pay for the product (prior to statute of limitations expiring).

I imagine this is how it would go down:

Seller: We had a system malfunction that did not charge our customer's accounts when the product shipped. We have asked our customer to pay for the product we shipped and they received on x date.

Buyer: It's not my fault they never charged my card.


Yup great defense you have there.

Just pay it up and check that they havent charged you yet. As for the post above it might be hassal and a long run, but your taking a risk they might let you go (I mean think about it going to court paying the fees etc will be a long process and money). If I were you I just pay it even if they took you to court if they have records of the transaction and the item being shipped you will lose and make matters worse.

if you didn't sign for delivery, say you never got the item.

you didn't complain because you were never charged

If you dont pay theyll send you to collections for the next several years youll be getting calls from a collections agency AND youre credit score will be hit. If you want to buy a car or a house in the future this could cause a lot more money in interest. Just pay the bill and try to get a gift card or something out of it. Lot of bad advice in this thread.