98G really? To the one who apparently gets offend easily, rights such a comment? Ok. There is a word for That. But lets just say this was a real case meaning it was happing, First off I'm the plaintiff (no need for and lawyer) It's clearly a breach on contract and since the burned of proof would be on me, not to hard to prove. Plus they would have to come to my turf and the big question is... "would they?" And last, I wouldn't be going for $1,500. Its the lost and treatment I would be seeking.
My first hand experience says it's a losing proposition. Even when you win, you lose. Of course, your speculation trumps my experience...
The biggest mistake I see that you made was that you called them before thinking it through. Their rep's position is that you stated an intention not to pay, and they placed you in default.
If you read the links with my examples, you'll see that this is standard behavior on the part of GP. I called them on it when they had relisted a truck the next day, before the time frame for payment had even expired. (I had been outbid on it, and then the winner defaulted).
Is it good customer service? Of course not. Is it legal? The courts seem to think so. My opinion and yours hold no standing. The only one that counts is the courts....
I'm going to comment on the comparison made between stating an intention to speed tomorrow and getting a ticket for it today... it's more like stating an intention to shoot someone, while reaching under your jacket.
I reiterate my suggestion to wire the funds to GP. give it a bit, then call and complain your account shows default. They'll look, see payment in full, and restore the account. (My best guess)