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Post by Prenticekid on Aug 27, 2015 22:08:07 GMT
What does it have to do with it being put on a credit card? That was a stupid request on the part of the couple. However, I don't see any reason that they should not ask for interest because the photographer held their money and had the use of their money for two months. In this scenario though, where, if I'm reading correctly, the couple did not ask for the refund until now, then there is no interest because an argument could be made that the clock started ticking when they requested the refund. I will say though that asking their intentions after they cancelled their wedding is not meddling, it is a sound business practice to obtain knowledge about how to handle money that the photographer now knows may not be his or hers. The photographer knew that either funds or services were owed to the couple in lieu of the album. It just does not seem prudent to just let it hang out there.
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Deleted
Posts: 0
May 8, 2024 2:33:08 GMT
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Post by Deleted on Aug 27, 2015 22:11:36 GMT
Everybody is talking about the interest as if it's what the customer had to pay on a late cc bill. My interpretation is the customer is implying that photographer 'had use of' that money for a month or 2, earning interest on it. But then, I'm in the minority on this thread, so... You know, that actually makes a lot more sense. Since about the best one could get on a savings account these days is 1%, I'd happily pay them that.
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Post by abr79 on Aug 27, 2015 22:30:58 GMT
Everybody is talking about the interest as if it's what the customer had to pay on a late cc bill. My interpretation is the customer is implying that photographer 'had use of' that money for a month or 2, earning interest on it. But then, I'm in the minority on this thread, so... But the original post said "(because they put it on a credit card)"...so it's natural to assume that that's what the customers meant.
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Post by 950nancy on Aug 27, 2015 22:37:17 GMT
How much is the album? Is the interest a lot of money? If the shoot was cancelled, I would just assume they would not want the album either. Maybe this couple was angry it was put on their CC bill, because they assumed it was taken care of when they called to cancel. I am on the fence on this because I don't know the specifics. I think if I ordered a new appliance and it came with a kit to put it together and I canceled the appliance order, I would assume the kit would also be canceled. Being billed for it and having to pay interest on it would not make me happy. It would just seem to me that it was the store's responsibility to take care of this. Maybe I read/misunderstood the OP's post though.
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Post by craftsbycarolyn on Aug 27, 2015 23:24:31 GMT
no interest...it's not the photographer fault they used a credit card.
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Post by chaosisapony on Aug 28, 2015 0:33:01 GMT
LOL no. In fact, I would have a hard time not LOLing in the face of them asking such an asinine question. If you buy something at Target with your credit card and then return it 2 months later Target is not going to refund your credit card interest fees. Of course not! Why is this even a question??? I am so sick of stupid people.
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Deleted
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May 8, 2024 2:33:08 GMT
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Post by Deleted on Aug 28, 2015 1:43:49 GMT
Refund the album..she's out the interest.
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Post by crazy4scraps on Aug 28, 2015 2:40:28 GMT
no interest...it's not the photographer fault they used a credit card. No, but whose fault is it that the refund wasn't processed promptly? The customer has no control over that, and that's the rub. If the refund would have been done right away, there wouldn't have been anything said about the interest at all because it would have been a non-issue. Not knowing the timeframe of the original payment for the album, it is possible that the customer charged it, cancelled the wedding within the 30-45 day grace period for the card thinking if the credit was processed right away they wouldn't have to pay the bill because the incoming credit would cover it. The credit wasn't processed until they called about it two months later (and how would they know if it had been processed or not unless/until they received their statement and saw that it wasn't?). Because BOTH parties were lax with communication, I would err on the side of the consumer. I would give them the interest money and count my blessings that they didn't contact the credit card company requesting a chargeback or the Better Business Bureau and the Attorney General. I will admit that I am somewhat biased about this. The photographer that took the pictures at my sister's wedding did a great job on her pics, so we hired him too for ours a few years later. Somewhere between taking the pictures at our wedding and getting the prints done and put in the book, something got messed up. I don't know if he got sick or what, but we called and called and called wanting our pictures. My MOM called repeatedly. Excuse after excuse after excuse... FOR TWO YEARS! We had paid 1/3 up front, paid another 1/3 on the day of the wedding and were supposed to pay the remaining 1/3 when the pictures were delivered. We paid the deposits in cash, which was our second mistake, if we had put it on a credit card we would have at least had the recourse of requesting a chargeback from the credit card company. So putting it on a credit card isn't stupid at all because it offers the consumer another level of protection. Well, needless to say we never paid it because we had to SUE the guy in small claims court to get the pictures. The judge sided with us that we had done everything in our power and this guy just completely dropped the ball. We finally did get our pictures, but after two years I was so over it already. Ultimately, the responsibility falls on the person processing the credit to find out what the customer wanted. The customer shouldn't have to chase down their money.
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Post by birukitty on Aug 28, 2015 16:10:02 GMT
I've been thinking about this since yesterday. My question is if the wedding was cancelled 2 months ago why wasn't the money refunded on the date the wedding was cancelled? You mention a lack of communication, not wanting to ask if they wanted to later use your studio for other photography services at the time they informed you of the cancellation of their wedding plans due to their sad emotions at that time and I get that, but my point is why is that even an issue? If it is written in your contract that if a wedding is cancelled within X number of days before the wedding they will only receive a refund for the album or whatever, then in my opinion as a former wedding photographer myself 20 years ago, I would have given that refund on the very day they called me to cancel the wedding.
Then there wouldn't have been any question of them asking about interest being refunded too. Why did you wait so long to do this refund? I think now they do have a point. Looking at it this way I mean. I' m sorry but that's my answer, now that I've slept on it.
Debbie in MD.
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Post by Miss Lerins Momma on Aug 28, 2015 17:10:29 GMT
refund, yes... interest absolutely not.
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Post by momof3pits on Aug 28, 2015 17:15:39 GMT
We are talking about interest they accrued because they paid the photographer with a credit card and then didn't pay off their credit card bill?? hahahahahahaha no way ETA Why didn't the photographer refund the album immediately when the contract was canceled?"Never gives photographer any details of what their plan is (shoot, family photos, new date, whatever). Photographer does not meddle in the personal dealings of other people's lives and waits for an answer." I'm confused. All photographer needs to know is that contract is cancelled.
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StephDRebel
Drama Llama
Posts: 6,664
Location: Ohio
Jul 5, 2014 1:53:49 GMT
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Post by StephDRebel on Aug 28, 2015 18:31:34 GMT
How about "I'll absolutely refund the album price, plus the interest i've gained while the money has been in my possession" Oh wait. Heres the money back for your album. Their interest rates are none of your business.
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Post by finally~a~mama on Aug 28, 2015 19:28:16 GMT
Yes on refunding the album cost. Interest? No way.
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