 you still have to look by the way that's not saying they're not responsible but i'm saying uh that their negligence you still owe the money and you're arguing their negligence and they're arguing you didn't check that's a defense is it much of a defense uh yeah i don't think it's much i think i think they're liable i think they have to pay you but it's going to end up in court or arbitration but i'm asking you why don't you look at your credit card bills your statement