a replacement card and insurance question

BECKETTSUCKS · July 20, 2004 12:50AM

Ok I have a question and I need some insight on how others feel about this.

Say I sent a mistake card to a company for replacement but they couldn't replace the exact card and offered me two acceptable cards as replacement. Now these two cards were sent insured and damaged through UPS and were never even delivered to me.

The company then tells me to file an insurance claim with UPS but since I am not the shipper I cannot. The company then files a claim on their own and sends two more totally different cards that I didn't agree on and to me are unacceptable as a fair offer.

Should I expect the claim to be paid to me or just take whatever they send as replacements?

joestalin · July 20, 2004 1:51AM

UPS damaged them, they need to pay you in cash.

JS

8kobe · July 20, 2004 5:02AM

I agree. I would call and talk to one of there representatives. I think that if they were payed that money should go to you. If they were damaged and they didn't get paid then you should talk to them about different replacements. You might get lucky and they might send you a few extra things. Tell them that you have been waiting X amount of weeks and that you are tired of dealing with this.

kehfee · July 20, 2004 5:05AM

I've wondered that...

I paid insurance for a couple of records on Ebay and never received them. The buyer is a straight shooter and he is going to look up the receipt. Question is. I can't really file a claim since I never received anything.

When I sell something I always assumed that if they didn't get it. I would file the claim and refund them...

Aknot · July 20, 2004 5:57AM

OK. You got a card. Sent it to "Fleer" because it was damaged out of pack. They send 2 cards of "like" value as a replacement (after you "approved" said cards) via USPS that was insured. You never received said replacement cards.

Fleer informs you to file an insurance claim, as the "receiver" you can not. Fleer sends out two more "like value" to you BUT you did not "approve" of these card and in your "eyes" are not of comparable value.

Your question is:

"Should I expect the claim to be paid to me or just take whatever they send as replacements?"

Which my answer is:
Most card companies state that they will send you a "like value" card or as close as possible from the inventory they have on hand if the original card can not be replaced, they upheld their end of the "bargain", and was just being "nice" with the first offer.

BECKETTSUCKS · July 20, 2004 7:42AM

<< <i>OK. You got a card. Sent it to "Fleer" because it was damaged out of pack. They send 2 cards of "like" value as a replacement (after you "approved" said cards) via USPS that was insured. You never received said replacement cards.

Fleer informs you to file an insurance claim, as the "receiver" you can not. Fleer sends out two more "like value" to you BUT you did not "approve" of these card and in your "eyes" are not of comparable value.

Your question is:

"Should I expect the claim to be paid to me or just take whatever they send as replacements?"

Which my answer is:
Most card companies state that they will send you a "like value" card or as close as possible from the inventory they have on hand if the original card can not be replaced, they upheld their end of the "bargain", and was just being "nice" with the first offer. >>

I would agree if I accepted that they send me cards of equal value but I specifically said no to that. I went back and forth with them until they offered two cards that to me were acceptable.

Now these cards were damaged and they sent two more totally different cards that I didn't agree to.

Aknot · July 20, 2004 8:04AM

But I believe (and I could be wrong) most of the card companies "policy" are you get sent an exact replacement or something of equal or greater value.

I mean in all actuality all they need to do is send you 1 pack of cards. I mean your odds are the same and there are no "promises" of what is included. So they send you a pack of what you paid for that has "x" amount of cards in it. You loose no "money" out of pocket.

Now the card companies know the "value" of keeping a customer. Im sure if you press the matter a few different scenerios could play out.

I think when they first went "around" their policy, and attempted to get you cards you wanted, was a show of "good faith", and it should be left at that.

I sent two GU cards back to Playoff Prestige and inquired if I could get different replacements, listed the 2 I "wanted" and even explained that the value of what I wanted was lower then the value of the cards sent back. I will let you know how that goes when I get the replacements.

Good luck with your decision and please let us know what happens.

NBAFan · July 20, 2004 8:39AM

It would help to know what cards you are talking about to even make a decent reply to this post.

BECKETTSUCKS · July 22, 2004 6:42AM

I would rather not mention which company it is or the cards in question. Yet.

I am trying to give them a chance to do the right thing.

Any updates I will post here.

Aknot · July 22, 2004 8:22AM

<< <i>I am trying to give them a chance to do the right thing.

>>

eh?

So if they owed you $50 you would want 50 ones instead of two twentys a ten?

They replaced it going by their policy. What do you mean give them the chance to do the "right thing?" Help me out a little bit here to understand this.

A card valued at $20 is damaged you send it back and get a $20 card replacement. (or maybe better) How are they not "doing whats right?"

Unless of course they are sending you 2 common cards.

NBAFan · July 22, 2004 8:35AM

This all sounds bogus to me if you won't tell us what cards were involved. For all I know is you could have sent in a $10 error card and they gave you a list of cards to choose from and you demanded 2 $20 cards and they shipped them to you and they got lost and then they shipped you 2 more cards that were probably still worth more than the error, but weren't things you could sell so you are complaining.

As far as I am concerned I am siding with the Card Company seeing you refuse to provide evidence of getting screwed. Case closed and the card company wins in my court of law!

BECKETTSUCKS · July 22, 2004 9:03AM

I'm not even going to respond to the NBAfan guys comments.

I will try and explain a little better on what happened though Aknot.

I came across a card that was an error card. It was supposed to have a sticker autograph and be serial numbered. Now if the card was missing just the sticker autograph thats not really a problem or that big of an error but this card was also missing the serial number of /299.

Since it is missing the serial number it can't be replaced with the same type card because there would be no way to number it.

I was told this and they offered two other cards that I agreed to in exchange for it.

They then sent the cards through UPS (the big brown truck not the Post Office) and somehow the package got wet so the driver never even delivered it to me. I was actually a little mad at UPS because they didnt tell me anything about the package, I had to find out from the card company a week later it was damaged.

The card company then told me I would have to file an insurance claim with UPS and they were sorry for the hassle.

I then contacted UPS (never had a package damaged before so this was all new to me) to find out what needed to be done. They said I wouldn't be able to do anything since I was the receiver and that the shipper has to file all the paperwork.

I then told the card company this and they contacted UPS to file all the paperwork. They then, without emailing me or contacting me in any way sent out two more different replacement cards.

I refused the cards and told them while it was a nice gesture it was unacceptable because I wouldn't have agreed to the second set of cards the first time around.

I told the card company if they would like to provide a list to choose from I am open to that but for them to just send me whatever without approval was just wrong. I also told them that at anytime they can turn this over to UPS so I would be allowed to file the insurance claim or they could file everything and UPS would send the claim directly to the receiver.

That's where it stands now. I haven't heard back from the card company.

The bottom line here though is the insurance. The insurance was purchased for my protection in case anything like this happened.

JErik20 · July 22, 2004 9:33AM

You did not purchase the insurance so it was NOT set up to protect you. Mailing insurance protects the person who PAYS for the insurance.

I think you are being greedy.... simple as that. When you got the error card from Whatever Brand, they did not have to give you ANYTHING, they could have told you to just chalk it up to bad luck and have a nice life. But just being nice- they offered you replacements and sent them, and then sent you more when UPS screwed up. They were under absolutely NO legal obligation to send you ANYTHING. You are, AS USUAL, just trying to stir $hi+ up with card companies like you always do. For the life of me i have NO IDEA why you continue to collect cards.... i have never heard you say anything positive about card companies or the industry in general

Erik

BECKETTSUCKS · July 22, 2004 9:43AM

<< <i>You did not purchase the insurance so it was NOT set up to protect you. Mailing insurance protects the person who PAYS for the insurance.

I think you are being greedy.... simple as that. When you got the error card from Whatever Brand, they did not have to give you ANYTHING, they could have told you to just chalk it up to bad luck and have a nice life. But just being nice- they offered you replacements and sent them, and then sent you more when UPS screwed up. They were under absolutely NO legal obligation to send you ANYTHING. You are, AS USUAL, just trying to stir $hi+ up with card companies like you always do. For the life of me i have NO IDEA why you continue to collect cards.... i have never heard you say anything positive about card companies or the industry in general

Erik >>

Well I see your dislike of me clouds your judgement.

How the heck was this my fault in any way?

You are right about one thing, I don't have much nice to say about cards because there isn't much nice to say. With all the corruption within Beckett and the card companies how can you say anything nice?

As for the insurance it was purchased to protect the product that was sent to me. Product never made it safely to me and cannot be replaced with the exact same thing therefore I don't think it is to much to ask to be paid the insurance claim.

Aknot · July 22, 2004 9:53AM

Je is correct though. The insurance protects the shipper not the shippee. Again as I stated before most (if not all) card companies policy is to replace it with the exact same thing. If they cant they will replace it with something of equal or greater value.

Them goin out of the way to let you choose the replacement the first time was above and beyond. It was not like you bought an autographed card. You bought a pack of cards with a chance of getting an autographed card.

Like people say its like the lottery. You got a $20 scratch ticket winner. They want to pay you in all ones, but you want 2 tens. It is still $20.

You had a $20 damaged card, they gave you (attempted) $20 in replacement. Thats all they have to do. The first time they "catered" to you out of good customer service. Or maybe someone did something they were not supposed to do. Had it worked out things may have been different, as it stands your out a $20 card and they want to give you a $20 card as replcement. Seems fine to me.

BECKETTSUCKS · July 22, 2004 10:05AM

I am sorry Aknot I have to totally disagree.

Let's look at it another way.

Say I order a DVD offline for $10 and along the way it gets crushed and broken. Now say the company who sold the DVD doesn't have the exact same one to send me and sends out two different $10 ones without asking. I didn't order the two new ones or wouldn't ever order them so that would be unacceptable.

As for being lucky the company took care of an error I would also have to disagree. If a company puts out a product that the consumer buys they have to stand behind that product.

Also wondering where the $20 amount came from? I never mentioned a price?

Aknot · July 22, 2004 10:15AM

Im just using $20 as a figure thats all.

DVD is different. I order Raiders if the Lost Ark. If it doesnt get to me they send a replacement of the same video. If that doesnt get to me and they run out they either give me a credit for the amount or refund my monies to me.

Lets take your DVD one step further. You get a slurpee. Pull the tab and win a DVD. One of 4 selections. You select one movie as its being sent to you it gets "lost". They send you another movie (not the title you wanted) yet you dont want it and send it back. They tell you they ran out of "your" movie and sent you one left over from the others.

What are you going to do? Cant do much of anything there is probably a policy that they will give you your selected DVD until supplies run out then sub it for something else if supplies run out.

You are "out" the cost of a slurpee. (maybe the postage stamp also) There was no promise you were going to "win" that DVD. Just like pulling inserts. You are out the cost of a pack of cards. What if they said oops sorry here is a pack to more then make up for that damaged card. They could you know. They do not guarantee the odds. You have just as much chance pulling an insert from that one pack as you did form the other pack.

NBAFan · July 22, 2004 10:16AM

This entire thing is a scam!

You refuse to tell us what the cards were, because they are probably decent cards. You just want the money, because it is more than you would ever get for all of the cards combined.

IE: They sent you a packaged totaling $100 BV ($30 Ebay value)

Instead of taking another package that is $30 in ebay value, you feel you should get $100, which is a total joke!!!!

If anyone is getting the money it would be the card company. Like I said, it's a total scam, even if they sent your ebay value of $60 the second time around, you would be still wanting the insured value.

As for DVD's, that is a totally different circumstance, they will refund your purchase cost. So if you really want to cry, maybe the card company will refund your pack purchase.

No one has a value on what you received or sent in, because you refuse to tell us, because it is all BOGUS! So we all just make up case statements as in certain situations.

BECKETTSUCKS · July 22, 2004 10:26AM

NBAfan - Still trying to work it out with the company and don't need anyone causing trouble.

Aknot - If I had won the card I sent to them and didn't pay anything for it that would be fine. They could send me whatever they wanted to but I didn't win the card.

Say you pulled a Dan Marino card missing the serial number and autograph and you sent it back for a different Marino they agreed to. It gets damaged and they then send you another Marino you didn't agree to, another Marino that you might already have or you simply don't want. That would be ok?

AUcollector · July 22, 2004 10:33AM

so you bought the card from someone at a great discount, because they didnt think of getting it replaced. now the card co doesnt have any extra's of this card so you dont like the cards they are replacing it with ? am I way off or is this the scenario. didnt sound to me like you pulled the card. if so you tried to take advantage of a & it didnt work out the way you thought it would.

NBAFan · July 22, 2004 10:37AM

I've had a package get damaged before through the USPS and even if the value of the package was $500, they only replace the amount the buyer paid. So even though I insured the package of cards that BV on was $250, the buyer only received the $60 he paid for them. So if you were going to receive any money, it would be the value of the card you sent in to be replaced, not the value of the cards they sent you, seeing that is what you basically paid for the other two cards.

Aknot · July 22, 2004 10:49AM

<< <i>NBAfan - Still trying to work it out with the company and don't need anyone causing trouble.

Aknot - If I had won the card I sent to them and didn't pay anything for it that would be fine. They could send me whatever they wanted to but I didn't win the card.

Say you pulled a Dan Marino card missing the serial number and autograph and you sent it back for a different Marino they agreed to. It gets damaged and they then send you another Marino you didn't agree to, another Marino that you might already have or you simply don't want. That would be ok? >>

You did "win" it. You pulled it from a pack. You beat the "odds". Unless you obtain this card another way.

As for the Marino question. I would expect the company to replace it with an exact copy. IF they could not they would send me something of equal or greater value. I would then attempt to find, trade for the card I wanted using the card they send me as trade. As long as the "cash" value is the same I am out nothing. Im "upset" but the company did the best they could following their policy.

Now if you purchased the card and or got it in a trade I would hope you knew what you were getting before you traded and or bought the defective card.

Also I have "damaged" Marino cards and do not send them back just for that reason. I have a Jersey card with what appears to be "roller" damage. Enough to make the card worth more like $10 instead of its $50 book. But after contacting the company they had no 1 for 1 replacement and they offered something else. No thanks its still a Dan card. Granted you are missing an auto so its a little different. Its not like the swatch was missing....

NBAFan · July 23, 2004 8:23AM

Consider this situation, because it is exactly what you are trying to do.

You sell a $100 card for $15, don't offer insurance and ship it uninsured. You guarantee 100% satisfaction.

The card arrives damaged to the buyer and they want a refund. So are you going to give them $100 seeing that was the value of the card, even though they only paid $15? No, you are only going to refund the $15.

You either bought a pack or bought/traded for the card in question.

If you bought/traded for the card, then this entire situation is a joke!

If you bought a pack, then they should just send you your original card back, seeing they couldn't replace it with equal value and give you another pack or card of their choosing.

BECKETTSUCKS · July 27, 2004 5:21AM

Below is the latest email I sent to them which I think is very fair.

Listed below are three options I believe are fair and not asking to much. I would never have agreed to send that card in for replacement if I didn't know what I was getting in return.

1. Send me the card I sent in for replacement back.

2. Send me a list of cards to choose from, it can be football, basketball or baseball.

3. Have UPS send the claim directly to me.

Thanks

Aknot · July 27, 2004 5:41AM

Good luck and keep us posted.

a replacement card and insurance question

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