johnnyc1978
Junior Member
What is the name of your state? NJ
Im in the middle of dispute with a merchant named Spacegold. They are a currency exchange service that charged my american express and were in return supposed to credit my egold account (its a digital currency). Ive used them once before for a transaction totaling over 2000 and it went without a hitch.
About two weeks ago i initiated another transaction with them for about 5000 in total but they never fullfilled the transaction and credited my egold account. A couple of email exchanges with the owner revealed that they credited someone's elses account. They also relevealed in an email to me that delayed the transaction because of a suspicious international IP address login into my account and had to verify my identity. I never received a phone call or any verification measure except an email to my school address asking if i iniated a transaction. I sent an email canceling the order on the same day that it was filled but it was through the company site and I cant prove it.
I initiated a billing dispute with AMEX about three days ago and its been chargebacked. This is completely a internet transaction and there is no tangible good with proof of delivary, signed signatures or anything for that matter.
This is where Im geting a little freaked out and would like some advice on how i should i proceed.
Spacegold sent me a threatening email this morning stating they had contacted my local police department for fraud and were going to contact my school over this matter. i also had a phone call from a attorney this afternoon who told me that he wanted to settle or he was going to sue me and have papers served to me. I dont really understand how this is going to unravel and what I should I do to prepare my case. I want to be as proactive as possible
1. Should I retain legal counsel and what kind of lawyer should I look for?
2. Shoudl i contact my police department and file a police report myself against Spacegold
2. What are the consequences of all this? Im thinking it would go to small claims court and at most result in a judgement against me that would result in a black mark on my credit report. Im more concerned if its going to have any crimical consequences that i would like to nip in the bud.
3. How can i make the harassment stop or seek puntive action against the merchant for basically threatening me.
Thank you for any guidance.
Im in the middle of dispute with a merchant named Spacegold. They are a currency exchange service that charged my american express and were in return supposed to credit my egold account (its a digital currency). Ive used them once before for a transaction totaling over 2000 and it went without a hitch.
About two weeks ago i initiated another transaction with them for about 5000 in total but they never fullfilled the transaction and credited my egold account. A couple of email exchanges with the owner revealed that they credited someone's elses account. They also relevealed in an email to me that delayed the transaction because of a suspicious international IP address login into my account and had to verify my identity. I never received a phone call or any verification measure except an email to my school address asking if i iniated a transaction. I sent an email canceling the order on the same day that it was filled but it was through the company site and I cant prove it.
I initiated a billing dispute with AMEX about three days ago and its been chargebacked. This is completely a internet transaction and there is no tangible good with proof of delivary, signed signatures or anything for that matter.
This is where Im geting a little freaked out and would like some advice on how i should i proceed.
Spacegold sent me a threatening email this morning stating they had contacted my local police department for fraud and were going to contact my school over this matter. i also had a phone call from a attorney this afternoon who told me that he wanted to settle or he was going to sue me and have papers served to me. I dont really understand how this is going to unravel and what I should I do to prepare my case. I want to be as proactive as possible
1. Should I retain legal counsel and what kind of lawyer should I look for?
2. Shoudl i contact my police department and file a police report myself against Spacegold
2. What are the consequences of all this? Im thinking it would go to small claims court and at most result in a judgement against me that would result in a black mark on my credit report. Im more concerned if its going to have any crimical consequences that i would like to nip in the bud.
3. How can i make the harassment stop or seek puntive action against the merchant for basically threatening me.
Thank you for any guidance.
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