Re: [iPad] was I scammed

 

That is absolutely not true. 


Contrary to what some sources indicate, the Fair Credit Billing Act does not address if it is legal for a company to charge you before shipping the product. Instead, it makes it illegal to not ship within advertised time period (or 30 days if no expected shipping date is mentioned in the agreement). If a merchant says "this item takes 90 days to ship", then they may bill right away and not have a legal problem if they ship before the 90 day window.

reference
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre28.shtm

     -----===== Bill =====-----
-- 

Nothing is better than happiness, but a ham sandwich is better than nothing.


On Aug 28, 2013, at 10:04 AM, petefromflorida wrote:

 

Companies can get a temporary authorization but they can not bill until the product is shipped. I'm not familiar with kickstarter so I don't know what they sell.
Pete

--- In iPad@yahoogroups.com, "David H. Bailey" <dhbailey52@...> wrote:
>
> On 8/28/2013 9:32 AM, petefromflorida wrote:
> > They're also not allowed to bill her credit card until they actually ship the product.
> > Pete
> >
>
> That's not true as far as I know -- if she agreed to let them bill her
> credit card in advance, they are free to do so.
>
> I've contributed to a couple of kickstarter projects and my card was
> billed once the developers had reached a certain dollar level of
> commitment and were guaranteed that the project could proceed. If the
> projects had not reached that level then my card would not have been billed.
>
> But the billing was in advance of the shipment of the product.
>
> And I've also special-ordered items from long-time reputable on-line
> (and bricks/mortar) businesses where I've had to pay in advance and my
> credit card has been charged before the product was ready to ship.
>
> --
> David H. Bailey
> dhbailey@...
> http://www.davidbaileymusicstudio.com
>


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