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In 2-04, I purchased a $500 desk from a Florida furniture store, placing it on my MBNA Motley-Fool credit card. The desk was damaged upon delivery & missing brass hardware, so another delivery date replaced the damaged section, but MINUS the brass hardware. I refused to sign the delivery release, until I called local store Customer Service & informed them of missing hardware from the delivery. In turn, they re-ordered brass hardware & I was told the delivery would be within 7-14 days via UPS/Federal Express,etc. It never arrived, am still in continuous follow-up with Customer Service...that is still experiencing futile communication with Parts Department...thus with no results.

MBNA has informed me that I have until 5-16-04(90 day buyer protection plan) to file a dispute for defective merchandise, but will have to return the desk. Two questions at this point: 1) Because the desk is "incomplete without brass hardware", does that qualify as "defective"? 2) Once in dispute, will I physically be responsible for returning the desk by renting a U-Haul,etc OR will the furniture store pick-up the desk?

Has anyone ever disputed a major furniture purchase via credit card...please tell me what to expect...such as the detail of events, etc. I have never filed a purchase dispute with credit card company before. Another question at this point: 3) Should I file a dispute now with MBNA while still in seemingly unsuccessful negotiations with furniture store's Customer service channels...if so, is the dispute revokable should the brass hardware miracuously arrive via UPS?

Another twist surfaced yesterday...the CSR that I have been consistently communicating with did express her regrets for the entire scenario & inquired if I would like a total desk exchange or refund if she received no response from Parts Department...to which I immediately said "YES to the refund". 4)In this case, would it be advisable to pursue a credit card dispute...would credit dispute over-ride the furniture store policy of 80% refund, due to a 20% re-stocking charge?

All input is welcome & greatly appreciated...tired & weary Apacherose
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