Claiming Against Your Credit Card

If you paid for defective goods or services on your credit card and the merchant will not resolve the problem, you can file a dispute with the credit card company using a procedure called, Claims and Defenses.

What are claims and defenses?

Claims and defenses are any valid reasons you have for not paying a certain credit card charge. They include billing errors, unauthorized charges, and claims that goods or services were misrepresented, defective, or not delivered.

The credit card company can be held responsible under Federal law (15 USC 1666i).

How do I assert claims and defenses?

You assert your claims and defenses by writing to the credit card company showing that you tried to resolve the problem with the store directly but they refused to remedy the problem. Tell them you are withholding payment until the problem is resolved.

Are there any limitations on raising claims and defenses?

Yes. In order to assert claims and defenses, the purchase must have been made in the same state you live in, or within 100 miles of your home. Also, the amount of the disputed charge must be more than $50.

If the credit card company and the business honoring the card are connected, for example, a department store honoring its own credit card, this limitation does not apply. This also applies to advertisements that were included in your credit card statement.

If I’ve already paid the disputed amount on my credit card, can I still raise my claims and defenses?

No. Once you pay the disputed amount, you cannot assert claims and defenses. If you paid only part of the disputed amount, you can still put a claim in for the remaining balance owed.

Can I use claims and defenses for purchases made on the telephone?

Yes. If you fall victim to a fraudulent telemarketer, who charges your credit card for worthless vacations, investments, or other goods or services, you can use the claims and defenses procedure to dispute these phony charges.

Can I assert claims and defenses if I place an order by phone with a company in another state?

If the company contacted you by phone, the law states that the purchase took place where you received the call.

If you feel the charge is fraudulent, you can refuse to pay and can assert your claims and defenses.

If you contacted the out-of-state company by phone, the purchase is usually considered to have taken place at their location. In that case, you could not assert your claims and defenses.

Is there a time limit for asserting claims and defenses?

If you sue for the amount in dispute, you must do so within one year of the purchase. However, if the credit card issuer or the retailer sues you, you can raise your claims and defenses at anytime.

Information on hygiene facts can be found at the Health And Nutrition Tips site.

Your New Career is Just 1 Click Away.

Get Rich Quick Scams RevealedRead this article before you consider paying for a “get rich quick” program.
From: Your New CareerEverybody would love to make lots of money quickly, working from home, and only doing a few hours of work per week. I’ve spent the past two years trying to find a great way of doing this. Only over the course of the past few months have I found any “get rich quick” programs worth buying. I’ve been trying to make money online for a long time. I had a few small websites, but they never made much more than a few hundred per month. It was easy money and didn’t require much work on my part, but I knew there were people out there doing better than I was and I knew I could do as well as them. Now, I’ve seen a lot of “get rich quick” programs. Most of these people make claims about earning $2000/day with Google or something similarly insane. Almost all of these people are complete liars. Even if they were making $2000/day with Google AdSense, it’d be because they had high- traffic websites with a lot of quality content. I’d know, because in one whole month, I never even made half of what they promised I’d make daily with their programs. Maybe you’ve already been scammed by one of these fraudsters. Anyway, I finally got sick of what was being offered. I decided I’d look through the all of the “get rich quick” programs I could find and see if there were any that were actually legitimate. I found that there were owners selling their programs for well over $100, but the information in them could be found almost anywhere online for free. Additionally, they all contained out-of-date information, had no e-mail support, no money back guarantees, and broken links in the downloads section. In conclusion, almost all of the programs I found were completely useless. The owners knew it, but they couldn’t care less about their customers since they didn’t offer refund policies! Amazingly, while looking through all of the programs, I actually did find a few legitimate programs. They were run by ordinary people like you and me, and they had found some great methods of making money from their home by doing very little work. I spent some time working with those programs, and my income is now ten times what it used to be. These programs provided a large amount of great information on how to make extra money on your computer doing very little work. Numerous customers had provided great feedback and reviews for their products. Many of them have started to make money just days after buying! Their programs have excellent prices, and the authors have a group of paid staff who are dedicating to helping you or providing assistance if you need any. I must say I was amazed! If you do decide to purchase any of the programs listed below, I recommend you join quickly. Most of the owners tell me they are getting an overwhelming number of sales and plan on raising prices in the near future, so order while prices are still low! To Your Online Success,Your New Career

Making Your Budgeting Simple through Bookkeeping Firm

While there may be a lot of people telling you, pushing you to venture on a steady business that can eventually take off, it’s hard to determine what kind of product or services you would put your focus on. There are also a lot of things you need to consider when you are initiating a plan to risk a part of your funds as capital for a certain project. There is a need to identify strategic marketing schemes to ensure that it won’t go down the drain. Making your own business requires some sort of taking charge – a responsibility, not only to yourself as the owner of the business, but with the overall status of your resources – including equipment, processes and of course, the manpower needed to build things out of the materials to be used.

Say, you have already started a small business; the only thing that would make it a lot bigger than it is would be having a team of experts who can readily help you with your finances. There are bookkeeping firms around that can give you the best benchmarks and align with you certain connections that could give your projects a definite boost.

Aside from opening more opportunities for your business to expand, budgeting can be a lot easier when you have knowledgeable people around your turf. These smart, intelligent and determined individuals will rally through your finances and make sure you are filing the right returns, your balance sheet is always accurate and everything is under control, financial-wise.

There is absolutely something about learning how to budget your money in a very simple manner and the bookkeeping you will hire must be able to instill you that kind of foresight when it comes to acquiring materials and supplies, along with the volume of production or services offering needed.

In the end, when you get to learn how budgeting and financial transactions work, you will be able to provide lee way or allowances, in order to ascertain the standing of your company. If you take charge and have set your goals and targets for the benefit of the many, you will surely gain a lot of profits in the future. With the help of these firms, tying up with bigger companies to provide more services in other locations can be very plausible. So, it is all up to you how you approach things and determine the business needs of your company for it to become a powerhouse in the future.

Reasons Projects Fail for a Business Analyst

Each day businesses call upon a business analyst to determine what must be done in order to accomplish a certain task. Each avenue must be explored and analyzed for a project proposal to be implemented. The project scope determines what the course of action may or may not be. Each person involved must answer to another until management is satisfied all has been done to rectify the situation. Everything stays on task. The project as a whole is coming together. Teams are co-ordinating with each other to apply the objective into the code. It is all going according to plan. At the end, it all falls apart. Nothing is as it seems. The project has failed to accomplish what it set out to do. The business analyst is hung out to dry. Every finger points to him or her. In actuality it is not the fault of the analyst.

It was a joint effort from the beginning. When the problem was recognized as such and something needed to be done is when the business analyst came into the scope of things. Management said get it done. IT said it is done. Low end said it just isn’t what we need anymore. So what happened? The first thing is failing to disclose all information necessary do make a proper assessment of the situation.

A business analyst is not a mushroom. You can not keep them in the dark. They have to know the in’s and out’s of the company. He or she must be aware of the company vision or end goal. A few facts and figures just will not do the job. Disclosure can close the project tighter than a drum.

Acting as the liaison between departments and upper management, the business analyst must gather data from everyone involved in the project. When someone feels they do not want to be a team player this can cause a disruption in the scheme of things. Each team was delegated a task. Upstarts who think they know what is the end result and rush to meet the goal, may find themselves dead wrong. However there are times when up and coming management leaders do the same thing. Instead of looking at the big picture and realizing all the intricate parts are necessary, they view a segment as the solution. This can only lead to failure. Communication is the key to success.

If someone does have a better plan, a good business analyst will listen to the idea. He or she may find it a viable solution for one aspect of the entire project. Unless the business analyst is told of the idea it can go unused or worse yet misconstrued as the proper solution. Communication is most commonly the reason projects fail.

The business analyst is what holds the project together. He or she is what makes the teams work together as teams. The analyst is the one who takes all the pieces of the puzzle and puts it together so the end result is success. Think of the business analyst as the nails in a house. When you do not use nails to hold it all together you wind up with nothing more than kindling.