California law requires businesses to let you cancel your subscription online

Post by perl4ever » Fri, Jul 06, 2018, 3:01 PM UTC

criddell wrote: post #479

perl4ever wrote: post #477

Earlier quoted context omitted.

"Meeting retention rates is their problem, not mine." Do you also maliciously fill out surveys with less than "excellent" ratings even after you are told that constitutes failure according to corporate management? I understand the attitude of refusing to play the game, but that doesn't justify making things worse for other victims.

> Do you also maliciously fill out surveys with less than "excellent" ratings I've started doing this, although I wouldn't characterize it as malicious. I bought a car last fall and that started a ridiculous number of surveys coming my way. I contacted the dealership, the manufacturer, and the survey company asking for the surveys to stop. The dealer and manufacturer both responded saying they would take car of it. T…

Post by jkaplowitz » Fri, Jul 06, 2018, 3:15 PM UTC

toomuchtodo wrote: post #359

jkaplowitz wrote: post #344

Earlier quoted context omitted.

Interesting. I guess it doesn't violate the merchant agreement... ...which makes sense in that a valid debt can't be invalidated by a chargeback. But it doesn't turn an invalid debt into a valid one either. And if you have a contract that you cancel in accordance with the contract (e.g. making the required request to the required phone number then limiting your call to a reasonable duration after doing so), charging…

Yes, if he merchant is not operating in good faith, it’s easy to outmaneuver their collections efforts provided you’ve kept good documentation. If they are operating in good faith, and your chargeback is not legitimate, expect a blemish on your credit until you settle the debt (if sent to collections).

Post by softawre » Fri, Jul 06, 2018, 3:21 PM UTC

wittjeff wrote: post #208

I've only used this a couple of times but I think it works: "I'd like to cancel my service. I'm going to say this really clearly for the recording, in case I have to subpoena this for evidence. I want to cancel my service, effective [date]. When I hang up this phone, I want there to be no financial relationship between myself and your company of any kind. None. I don't want any further communication from you other th…

Post by softawre » Fri, Jul 06, 2018, 3:26 PM UTC

ethbro wrote: post #334

criddell wrote: post #191

Earlier quoted context omitted.

If they ask me questions, I usually just reply "for personal reasons".

Seconded on this. It's my favorite answer, because it normally creates enough awkwardness on the call to make the other party want it over as quickly as possible. And getting them on your side is always step 1. Bonus points if they ask "I hope it's nothing we did" and you respond with an extra long pause and "I think it's best for everyone involved if we get this cancelled as quickly as possible."

Post by inetknght » Fri, Jul 06, 2018, 3:29 PM UTC

jhauris wrote: post #468

bruxis wrote: post #467

Earlier quoted context omitted.

I don't have enough exposure to the product (not available in my region) but I really liked the _idea_ of privacy.com where you can create a credit card proxy for every subscription you have. This seems extremely valuable for managing subscriptions, tracking your funds, and of course, some modicum of privacy where your original credit card is only shared with one party. edit: Seems like privacy.com is a direct-to-ban…

CapitalOne offers the same service on their credit cards with a browser plugin. It also disallows charges to the virtual card numbers from any source other than the site it's associated with.