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In Europe, we don't use chargebacks in most cases. Unless the payment was truly fraudulent (i.e. you cannot get hold of someone who issued the payment or they a
by smarx007 5y ago
In Europe, we don't use chargebacks in most cases. Unless the payment was truly fraudulent (i.e. you cannot get hold of someone who issued the payment or they are not in business of doing things they charged for), you have to use proper legal means of settling the dispute. As you may imagine, the life is too short for things of such kind, especially with multi-billion corps. Anyway, dug up the email:
Please note that all payments are due in full on the monthly anniversary date. Failure to remit payment for services on the monthly anniversary date will result in a $20 late fee. If full payment has not been received within five (5) consecutive days, including the anniversary date, termination of public access to Customer services and a $50 reconnect fee will be incurred. Failure to remit payment for services within seven (7) consecutive days, including the anniversary date, shall result in termination of access to the service network and all services shall be reclaimed.
And the T&Cs link: https://www.ibm.com/support/customer/csol/terms?id=Z126-6304&cc=us&lc=en#detail-document https://www.ibm.com/support/customer/csol/terms?id=Z126-6304... To my pleasant surprise, the T&Cs are quite a readable document. As you see, they call them fees, not fines.
The https://www.ibm.com/cloud/pricing https://www.ibm.com/cloud/pricing page also says they offer loans, leasing, and other kinds of financing.
- bserge 5y agoYou don't have to use "proper legal means". Which are rigged against you anyway. Use secondary bank accounts and cards. IBM loses a thousand yoyos, no one even farts. You do, it's a major loss. Unless you're rich and somewhat of an idiot, of course. It's really hard to get rich playing by the rules.
- thriftwy 5y agoI always thought that chargeback was the rule of Visa and MasterCard networks, so if you used that for the transaction, you are eligible for it. I wonder what's the extent of my confusion here. It is also a proper legal procedure.
- smarx007 5y agoYou are right, even the consumer protection agency says as much: https://www.hallakonsument.se/en/articles/card-complaints/ https://www.hallakonsument.se/en/articles/card-complaints/ However, I think now I have a better idea why: debit cards have a major share in Europe and the page above says "When you pay with a debit card, you have no right by law to turn to the bank to demand a refund." But thanks for a reminder, and I will think about using a credit card for online purchases in some cases rather than a debit.
- WesolyKubeczek 5y agoBut here in Europe, we also have consumer protection departments that have teeth. As a company, you’d rather not get onto their radar too much.