There are several codes that can be returned including one to indicate fraud. To be honest I know it would help if Nokia picked up the shortfall generated by the CC companies but because customers don't ***** about it to them or let them off the hook they continue with crap service.

I agree it's unsporting of Nokia not to allow you to continue with the order but if they have an indication back from the CC company that it is fraud they aren't likely to be overly helpful.

Regarding contract, technically the contract is that you will pay for something and they will supply. If payment is refused then the contract is broken. Not exactly fair but understandable.

I would suggest asking to talk to a supervisor rather than the first person that answers the call. Explain calmly why you feel you are caught in the middle through no fault of your own. If there is a way to do it most people are reasonable when presented with a rationale arguement.