Doing failed consumer transactions in that manner is very close to theft.
I cannot believe there is not a nokia exec (excuse me execs) on the phone and in person saying "wtf is wrong with you people and this system? FIX IT NOW!"
Charging people, telling them it is declined, taking peoples money and giving nothing in return. That is very unacceptable.

If the situation was reversed it would be considered theft, i.e. if 100 of us walked into a Nokia warehouse and grabbed a N900 box say "I'm paying for this" and then just walked out and didn't pay and when they called us on the phone asking wtf? we would say "I'm sorry but once the N900 is in my hands you are locked out, call back in a week."
lol