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On February 22 (or March 24) in 1803 local fishermen reportedly saw a vessel drifting in close-by waters.
They say when they investigated it, "a beautiful young woman" they described as having red and white hair and dressed in strange clothes appeared.
Whatever evidence you have - this will help the card company make its decision.
However if the decision is not in your favor, the same evidence may be used in Court.
If the card holder had his card stolen, let him prove it.
These factors can "break" his claim of the card being stolen. If cardholder is innocent I want the criminal punished! As far as the merchant is concerned, the card holder is responsible.
Often, a letter threatening to file suit may have them pay to avoid litigation. You may always ask follow ups at no charge after rating. The dispute documents give me his name, phone number, and a P. address, as well as, his statement that he says he did not authorize these charges, and the card is still missing.
Did it have HIS address if an item was shipped, for example? To the Court - that should be part of the argument.
Should I provide someone with an address of the place where the food was delivered to?
They have the customer stating "I did not do this" and the merchant (you) saying "yes, he did." They make a decision the best they can.
If you disagree with that decision, you can pursue the customer for the money owed in Court.
While travelling in Greece in 1892, a British tourist wryly commented on a group of tourists arriving in Athens who were travelling with nothing but a Baedeker guidebook and a pair of opera glasses (Armstrong, 1893).