5 ms·

Why not just charge back and move on with your life? If SXSW wants to have a dumb policy, they can deal with convincing the bank.

Thomaschaaf 7y ago
This is a good way to kill your credit score...
- icedchai 7y ago
  Legitimate disputes won’t kill your score.
  - bdcravens 7y ago
    If their policy indicates no refunds, how is that a legitimate dispute?
    - joshmn 7y ago
      If you pay for services or goods you should expect to be rendered those services or gifts in a reasonable time and manner. There are consumer protection laws that state exactly this.
    - tracker1 7y ago
      It's not losses regarding damage, or the client cancelling. The host cancelled, services not rendered and the transaction is therefor incomplete. If I buy a sandwich from you and you take my money, the transaction isn't complete until you give me the sandwich ordered, regardless of your refund policy.
      - qtplatypus 7y ago
        It is the host being forced to cancel. If you attempt to buy a sandwich and the sandwich shop burns down before you get your sandwich you don’t get a refund.
        icedchai 7y ago
        That is only because the sandwich shop has more important things to deal with, like the safety of their employees and customers. If you call up your credit card company and complain that you ordered a product that was never provided, you will absolutely get a refund.
        binaryblitz 7y ago
        Why do you think they canceled it..........
        tracker1 7y ago
        So, SXSW was forced to shutdown? By whom? Did they lose the money that was paid them? How? Even if they said, hey, we're trying to get X refund for Y site and facilities... we're expecting to be able to give refunds of Z% of your deposit amounts (expect at least 50-80%. I would think most reasonable businesses would accept that. A total forfeiture, someone is making money off of this and definitely not doing anything to earn it.
        qtplatypus 7y ago
        The city forced them.
    - icedchai 7y ago
      A couple of reasons: 1) Their "policy" does not override consumer protection laws. 2) Even if it was enforceable, when enough people call their credit card companies and request refunds it will cause so many problems for them that their "policy" will change.
    - nwallin 7y ago
      The seller purported to be selling a service/product that was not provided. In the US, the terms of service, policy, EULA, whatever, carries very, very little weight compared to the fraud committed by the seller. If you sell someone a thing, you provide them the thing, or the buyer chargebacks.
- commoner 7y ago
  In the United States, the primary consumer credit score model (FICO) does not take chargebacks into account, regardless of whether they are legitimate or illegitimate. https://en.wikipedia.org/wiki/Credit_score_in_the_United_States#FICO_score https://en.wikipedia.org/wiki/Credit_score_in_the_United_Sta...
tracker1 7y ago
I'm with you... ruin SWSW's credit score.
teruakohatu 7y ago
You can only charge back within a period of time. Here in New Zealand I think it is usually quite short, I think mine is 60 days. Visitors from overseas may have booked outside of that period.
ksec 7y ago
These things are not consumer purchase. These sort of event are paid well in advance and blind by legal contracts and documented terms. From initial down payment to finalising should normally be out of the charge back period. This is to protect both parties, such as companies pulling out from last min with no final payment and event organisers have to tried and sell vendor in the last min.

Thomaschaaf 7y ago

This is a good way to kill your credit score...

icedchai 7y ago
Legitimate disputes won’t kill your score.
- bdcravens 7y ago
  If their policy indicates no refunds, how is that a legitimate dispute?
  - joshmn 7y ago
    If you pay for services or goods you should expect to be rendered those services or gifts in a reasonable time and manner. There are consumer protection laws that state exactly this.
  - tracker1 7y ago
    It's not losses regarding damage, or the client cancelling. The host cancelled, services not rendered and the transaction is therefor incomplete. If I buy a sandwich from you and you take my money, the transaction isn't complete until you give me the sandwich ordered, regardless of your refund policy.
    - qtplatypus 7y ago
      It is the host being forced to cancel. If you attempt to buy a sandwich and the sandwich shop burns down before you get your sandwich you don’t get a refund.
      - icedchai 7y ago
        That is only because the sandwich shop has more important things to deal with, like the safety of their employees and customers. If you call up your credit card company and complain that you ordered a product that was never provided, you will absolutely get a refund.
        binaryblitz 7y ago
        Why do you think they canceled it..........
      - tracker1 7y ago
        So, SXSW was forced to shutdown? By whom? Did they lose the money that was paid them? How? Even if they said, hey, we're trying to get X refund for Y site and facilities... we're expecting to be able to give refunds of Z% of your deposit amounts (expect at least 50-80%. I would think most reasonable businesses would accept that. A total forfeiture, someone is making money off of this and definitely not doing anything to earn it.
        qtplatypus 7y ago
        The city forced them.
  - icedchai 7y ago
    A couple of reasons: 1) Their "policy" does not override consumer protection laws. 2) Even if it was enforceable, when enough people call their credit card companies and request refunds it will cause so many problems for them that their "policy" will change.
  - nwallin 7y ago
    The seller purported to be selling a service/product that was not provided. In the US, the terms of service, policy, EULA, whatever, carries very, very little weight compared to the fraud committed by the seller. If you sell someone a thing, you provide them the thing, or the buyer chargebacks.
commoner 7y ago
In the United States, the primary consumer credit score model (FICO) does not take chargebacks into account, regardless of whether they are legitimate or illegitimate. https://en.wikipedia.org/wiki/Credit_score_in_the_United_States#FICO_score https://en.wikipedia.org/wiki/Credit_score_in_the_United_Sta...

tracker1 7y ago

I'm with you... ruin SWSW's credit score.

teruakohatu 7y ago

You can only charge back within a period of time. Here in New Zealand I think it is usually quite short, I think mine is 60 days. Visitors from overseas may have booked outside of that period.

ksec 7y ago

These things are not consumer purchase. These sort of event are paid well in advance and blind by legal contracts and documented terms. From initial down payment to finalising should normally be out of the charge back period. This is to protect both parties, such as companies pulling out from last min with no final payment and event organisers have to tried and sell vendor in the last min.