Legal Question in Business Law in Florida

Re: Matching Signatures on a Credit App.

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The answer to your question will depend on what your agreement is with the third party finance company. If your agreement says that you are responsible for any charge backs or disputed charges, then you may just have to absorb this loss. If it is not covered, then they have no right to charge you back for the loss.

You may have some relief from your insurance coverage. You should review your policies to see if any relief can be obtained in the event that you are responsible to the finance company.

Last, if you do absorb the loss, you always have the option to pursue the party who made the charge in your store. If you can prove that they did make the charge, you might have grounds for treble damages depending on the actual fact pattern under various Florida laws including those pertaining to fraud or civil theft. You can also file a criminal complaint with the police department although, even if an arrest is made, you may never receive a penny as a result.

Scott R. Jay, Esq.

Re: Matching Signatures on a Credit App.

This will depend on your agreement with the finance company and other applicable laws.