I purchased a hot tub and did not receive it because of crazy stuff happening with the company. The company refused to give me money back, well, they just kept saying they would get to it later, and they could not ship my spa due to outstanding debts with their third party shipping company. I filed a chargeback with my bank. The next day there was a provisional credit in my account. My question is...is this money there to stay as long as the investigation shows I told the truth? My fear is that the merchant has no money in his account and/or closed his account and/or filed for bankruptcy. I don't know if I have to pay in that case because my bank has no where to get the money from, or if his bank has to pay. I've read that this process can take 90 days, and I don't know if I can function that long not knowing if I will get my money back, or if the company's owner is fleeing the country with hands full of my cash.
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