191–200 of 412 posts
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I suppose you could use something like Privacy.com and just revoke the card.
Thats a good way to get 100 calls from a collection agency.
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Do employers often depend on "nanodegrees" (first I've heard the term) such as Udacity?
Depend probabbly not, but "hey there is this thing this guy did" might be a real thing. Probably not weighted as much as other things but still relevant to some.
Call your CC, claim inability to reach business to cancel and request chargeback. This is my action plan #1 when vendor start irritating me with their support or policies.
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So much this. I LOVE paypal as a user because of it. All my subscriptions go through it and if it isn't offered via paypal, I'll reconsider. I love to see a list of all my subscriptions with the ability to unilaterally cancel my subscription at any time via PayPal... I never even contact the companies I 'unsubscribe' from... I simply remove their access to my paypal.
I'd also like to add that despite the negative publicity PayPal gets from the merchant side, it's also preferred over credit cards by merchants for better handling of "disputes". Some consider paypal to be archaic, but it's bleeding edge payment tech when placed alongside traditional credit cards.
Now we have even better tools available for subscriptions. Check out privacy card.
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Thats a good way to get 100 calls from a collection agency.
Unless the contract bound you to a specific term, I don’t think they will attempt to send you to collections. What do you owe if you haven’t contractually agreed to a subscription term?
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Can it? There shouldn’t be any obligation implicit for monthly subscriptions outside of loans.
You can absolutely be sent to collections for not paying for a service, it happens all the time. As soon as that happens they will report it to the credit bureaus.
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Say you sign up for a gym. The agreement is for $50/month with a year commitment. You give them a credit card to pay. 6 months in, you cancel your credit card (or it expires or whatever). The fact that they can't bill you doesn't change that you agreed to the plan and that you owe the second 6 months anyway. That's a debt and the gym can (and some do!) choose to go after you for it in whatever legal way they feel. Th…
Contracts can be yearly, with or without your will, with the possibility to cancel or not. That could become debt if not paid but not necessarily, there are consumer protection laws against abusive subscriptions, but maybe not in the US. Services that care about cancellation and charge backs always charge the full duration upfront at the reduced price. Not month to month. The gym, the newspapers or tinder will charge…
Maybe it's different in the UK but many people have got caught out assuming this is the case for gyms.
If you sign a contract saying you will pay £X each month until you cancel then just stop paying, you still owe the money.
If it's harder to leave than it is to join, then I'm not using your stuff. It's mildly condescending and very transparent and so I don't want/need to deal with it. If you believed in your product, you wouldn't do it. I subscribed to the New York Times with a simple one-step "put in your credit card deets". One year later I was going to leave the country so tried to cancel it. After several steps of forms you get the…
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So how easy is it to cancel privacy.com?
I use Privacy.com but haven't had to cancel. You don't pay for the service, as they make their money in adding as a credit-card company and charging merchants fees (or something to that effect). The trade-off is that I had to give them access to my bank account, which would likely make it much more difficult to cut them off if it came to it. It's extremely useful though, and they say all the right words when it comes…