OK

this is my question

I DID pay the merchant , Its the CC company that stoped the charges, I konw it was by my request but he had every opertunity to fight the stop payment, And he didnt. He signed up for the CC and knows the rules that apply, he was also sent letters by the CC company stating there was a chargeback and he did not answer the letters in the alloted time, So dont you think that his dispute is with the CC company?

adam