Credit card dispute for services not rendered?
I purchased 60 personal training session and did not get all the sessions entitled. I have tried, unsuccessfully, to work out an arrangement for the remainder. He won't return my emails. I contacted AMEX who was reluctant to open the dispute but did. Is there a time limit for services not rendered when you make a deposit? Or would I be better off going to small claims court?
Public Comments
- A lot of credit card companies have a 60 day time frame. However, you can appeal that. I filed a dispute with visa regarding wedding stuff. When they came back saying that the time limit had been exceeded I argued that it had to be purchased far in advance (because it was for a wedding) they defaulted on the contract months after receiving payment. You could probably do the same because you can argue that 60 days is not enought time to use all of the sessions unless you went every day.
- The first thing you should do is read the terms of the purchase contract for the training sessions. If you are obligated to pay for the sessions even if you don't take them according to the terms of the contract, the debt is technically valid. Unless the trainer is not holding up his end of the bargain and is refusing to provide/ schedule the lessons. It's going to be difficult to prove he's not holding up his end of the contract, though. He could just say, "I've been busy" or "I have X number of years to provide the lessons according to contract" or whatever. You really need to review the terms of the contract first.
