What Would You Do? Florist Calls 2 Years Later to Re-process Credit Card

Ask for the name/address of who received the flowers, the date sent. Tell her you’ll have to confirm that they were received first. If it checks out, I would consider paying. Not by credit card perhaps.

If they can’t produce any paper, for those details, no go. If I can’t confirm they were received, for any reason, including recipient can no longer remember, no go. If the credit card company can’t confirm any charge, for that amount, since that date, I’ll consider it.

And why are they calling you at work? That seems suspicious too, though I’m not sure why.

No, no - they called my cell phone WHILE I was at work.

You guys don’t keep financial records going back only two years? I can look up my credit card transactions by reaching my arm over and pulling out that particular file - am I some kind of freak?

And yes, I check every credit card and bank statement when they come in, then file them. I’m getting a feeling this isn’t usual, either.

I would never give out my CC number to some stranger who phoned me – even if she’s an old lady!!

I’ve seen scams that prey on after-the-fact transactions.

As a ute, I attended a local bartending school so I too, could get in on the fabulous pay, hot jobs, chicks for free, etc.

1st meeting? $50 down payment or don’t come back. I paid cash and got a receipt.
Finished the course, got a job at a strip-club - life was good.

Fast forward 4 years or so. I get a call from a collection agency. I still owe the $50 they say. Pay up or they’ll ruin my credit. BS I say. I have a receipt. Really? They couldn’t have been more shocked. I took the receipt to the “school” and cleared things up.

In speaking to an employee there, I got the idea that they do this every month.
Every month, another 100 kids who keep no record of anything, forced to pony up another $50 or have their credit dinged? Sweet scam, free money.

  1. Keep every freaking receipt you get, ever.
  2. File properly.
  3. ??
  4. Profit!

Ditto for me, if (1) I remember making the purchase, (2) I can confirm from my records (which are pretty good) that the charge never went through, and (3) I can confirm that the call itself is legit.

As far as I can see we’re talking about an oral contract. This is covered in the first link. (“Express or implied contract, not under seal: 3 years.”) The second link even has a separate column for “oral agreements”.

I own a business, and made some mistakes over the years on the record keeping side of things. The biggest commodity I have is my reputation. For $50 I wouldn’t even call 2 months later. Once I identified MY error I’d enter an adjusting transaction, and go home and cry and think again abuot the systems I’ve devloped which seem to help me most.

I do check the card transactions each day, but it’s all electronic and hard to mess up. Phone transactions would, I suppose, present different problems so she has my sympathy. Still, 26 months later, you just have to eat that.