(Closed) Vendors and Bankruptcy

posted 6 years ago in Emotional
Post # 3
3081 posts
Sugar bee
  • Wedding: August 2012

O gosh, I’m so sorry this happened to you. But thanks for sharing your story, hopefully it can help some of us. 

Post # 4
3885 posts
Honey bee
  • Wedding: September 2011

It’s MUCH better to pay with credit card and pay it right off than it is to pay by check. You can then file a dispute with the credit card company which, based on the business being bankrupt, will generally be resolved to your favor. You will generally have to wait until after the scheduled event before you can open your dispute— you can’t say they did not deliver their end of the contract if the delivery date hasn’t happened yet. But it’s far better than being one in a long line of people filing claims when the company has no money to pay any of them!

This only works for proper credit cards, not debit cards or prepaid cards. My Mr and I had to file for a refund when a charter ship we’d booked for a dinner cruise in Auckland went under. We found out about their bankruptcy the night before our scheduled cruise (which btw was when he’d originally planned to propose, but thankfully he’d done it 2 countries earlier in the trip) and saw their Under Recievership sign. We had used a Bank of America Visa to pay, and they credited our account immediately, we filled out some forms after vacation, and were notified about 3 weeks later that they were closing the case in our favor. Easy peasy.

And next month, we’re off to a wedding in Wales which had a venue change because the original location, a castle/b&b, had gone under. How foes a castle go under?! Fortunately the bride was able to find another venue, and had only put the deposit own, but she’s gotten that back from her credit card company.

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