Originally Posted by ep7735

Hey all,

I recently graduated college, got married, got a house and made a big, stupid purchase - a hot tub. Checked out the company and it was an established company, not just online but in "real life". They had been business for 5 years. I bought the tub, $4250.00 approximately. 6 weeks later...9 weeks later..12 weeks later.. not here. of course I'm frantically contacting the company during this time.

anyway. made a chargeback a few days before the 120 day deadline.

i now have a provisional credit in my account for the purchase. my question:

i feel like there is no possible way i can "lose" this dispute - submitted so much evidence, police report, etc.. BUT if the merchant has closed his account or if he has cleaned out his account or if he has filed for bankruptcy and left the country....will I get my money back? or do i take the loss for that?

i realize that possible just a few weeks and I'll find out, but i've heard it could take 90 days before this thing is closed.... and im wanting to buy a new hot tub - LOCALLY, of course.

thanks for your insight. its been a stressful couple of months.