I'm not talking about amex standard refund policy, I am talking about stuff like:
If you pay with amex for your travel ticket, then you get travel insurance for free automatically.
If you pay with amex for an item and it is stolen within 3 month then you get reimbursed
etc.
this is usually associated with the gold/platinum cards...
Well ... from what I can gather ..the 30% down is the rub...... they keep asking alpha to reply to what the heck is going on ..the first reply was 44 days and sent amex
a bill that I paid ..neglecting to say it was 30% down....amex closed the ticket...so i re-opened the ticket on them breaking the merchant TOS with amex
by only offering the 30% via paypal and cc protection and not giving me back the 30% unless I paid in full as my only option in the last 70%.....ie amex says that
is pretty much extortion...so they sent another dispute error to alpha which they will reply with some wishy washyness that probably has no legal bearing and so
the wheel of 45 day dispute will continue...they are stalling
I suppose it is POSSIBLE I could get something thru amex from some kinda fraud/insurance payback...but I paid 30% down...fraud only covers if you DID NOT
CHARGE THE ITEM from what I gather (again just asking regular reps they may be wrong) but the consensus is....because I paid the 30% down if they no
longer have a cc option account to get the $$$ back under paypal and amex cc stuff...ie alpha is only taking the equiv of cash via unsecured wire xfer or bitcoin
or litecoin...then amex has no way to get back funds...thus..because I purchased it ..was not fraud..at that point I take them to court ..or so the consensus is
according to amex regular reps...this has gone a bit higher then that at this point..I guess there is a paypal executive committee you can petition..but again
what normal corp has no access to bank accounts amex can find nor cc nor paypal etc in such a manner to take the first 30% secured and extort you for the
last 70% unsecured....thus why amex is befuddled....
but yeah....they could (amex) say it just reeks of a scam and refund me...but again consensus of reg amex reps you regularly get on the voice line is that
because I paid (not some criminal) I probably will just have to sue alpha or some such (FTC/BBS the usual BFL run around)
catch here again is I PAID and amex said they agree in good faith...they just plain have not seen anyone from what I can tell sell vaporware and extort the
rest in such a manner before....likely it will be up to me (esp if alpha sends amex a letter saying they are going bankrupt) and/or amex simply says I should
file with UK authorities...it is that OR AMEX eats the $$$ I lost..w/o a method to get it back from alpha
and again if amex does have insurance the adjuster would probably point out it was me that paid for the initial 30% down anyway so it is up to me to get
it back in that amex did what it could in good faith but regular amex avenues are closed (esp if alpha claims bankruptcy and now again is only a cash/carry
business)
Anyway...we will see but only give myself a 1 out of 10 chance now of getting any $$$ back....this is just what is going on with amex ..I've heard others on
here discover/visa have gotten $$$ back right away by just walking the cc rep thru the above alpha antics..but amex has a dispute method with their
merchants and quite frankly imho alpha is gaming the system by waiting till the last day or so to reply..thus stalling imho till they go belly up
believe me the amex folks know all about the above and they are being played....but again it is all in amex camp.....I doubt any redress will come from alpha-t
so it goes hope you are right however and the regular amex reps and me are wrong..but again I give my self best odd only 1/10 chance to get any $$$ back.
by the by I even told AMEX that I would eat the 70 british pound fine/fee on the refund as they had in their TOS for the time alpha spends on this stuff
I thought that was only fair to take some of the lumps on this..but again ignored in the reply just a paid receipt sent and until I told amex it was only for
30% down...amex was clueless on that point...so again amex is p/o'd but if alpha is dead in the water going bankrupt may be a lost cause already
Searing