501–510 of 554 posts
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>The best thing to do is issue a chargeback. They had me sign over my direct withdrawal banking details the day I signed up. I regret doing that.
Oof, that seems like a bad thing to do in America. In the EU thanks to SEPA regulations banks allow you do withdraw direct withdrawal consent at any time luckily.
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Unless you specifically ask for a new number, not at all. What's even worse it that the cvv is changing (checksum with the date and card number) but the transaction can go thru without cvv submission in most cases.
what's the point of a cvv then? This seems rather odd
Thank god for that. I made the mistake of joining a Goodlife gym in Canada many moons ago... The place was disgusting. Always crowded. Mould growing in the bathrooms. Stunk very badly, etc... So I stopped going regularly... and one day I was in the area I decided to stop in and cancel my membership. "Oh sorry, you'll need to make an appointment with management in order to cancel." "OK, is a manager in right now?" "Ye…
You seem like a patient person. That first visit should have ended with the cancellation or an unambiguous announcement of your intention to issue chargebacks for any future charges by said gym as far as I'm concerned. There's no way I'd be relying on a manager's schedule to cancel their services.
That first visit ended with my berating the staffer for being useless and working for a shitty company.
I was not proud of that moment, but what I said was not untrue.
They really had me in their grips... if I just stopped paying without formally ending the contract with the agreed upon "cancellation appointment" (that I apparently agreed to in the original contract) then they would have dinged my credit score for not paying my bills on time essentially.
Thank god for that. I made the mistake of joining a Goodlife gym in Canada many moons ago... The place was disgusting. Always crowded. Mould growing in the bathrooms. Stunk very badly, etc... So I stopped going regularly... and one day I was in the area I decided to stop in and cancel my membership. "Oh sorry, you'll need to make an appointment with management in order to cancel." "OK, is a manager in right now?" "Ye…
Yeah, this is the sleaziest tricks by gyms, especially in Canada/US No thanks, no bank details. I'll pay by cash, every month. I don't care if I'm paying "double" because that "half price" is accounting for crap like this.
That's exactly how they got me iirc.
I could have paid a few dollars more per month to be pay as you go... but I was "gonna do this" and I was going to "stick to my gym habits" and keep at this for years so why not sign my life away???
Lesson learned.
I now happily badmouth Goodlife Fitness whenever I get a chance like this.
I pay for recurring stuff with a CC for this very reason. I had an insurance company refuse to cancel my insurance unless I physically came into their office all the way across town (would have been about two hours of my time when it was all said and done) to show them proof that I had insurance through another agency. I declined that request and explained that they simply weren't getting paid any more. I called the…
I've long deprecated phone calls as a method for businesses to reach me. I don't know why businesses don't get it already.
I got my way after about 7 e-mails with Comcast. Still saved time at ~1 minute per e-mail.
Can Google Assistant please stop working on the haircut reservation systems and make "automatically fight with customer service departments" the priority feature?
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My bank doesn't make me sit on hold for 20 minutes and isn't staffed by min wage employees who are incentivized to retain you including lying to you or hanging up on you. I don't blame the employees, they are just trying to make rent. Also chargebacks penalize the merchants both in fines/fees but if they rack of enough, they'll pay higher processing fees.
> My bank doesn't make me sit on hold for 20 minutes and isn't staffed by min wage employees Lucky you.
Banks seem to occupy a weird space in the minds of consumers. You can open as many accounts as you want at as many banks as you want. If you're paying fees, switch to a bank that doesn't have those fees. If you can't get somebody on the phone, switch to a bank that staffs its call centers. If their website sucks, switch to a bank with a good website.
Try a few out. See what you like. It's just like any other consumer product.
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Write a sentence on a support page is not simple. You haven't even said what the sentence was.
"I would like to cancel my LifeLock subscription."
I think your bar is far far too low.
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Maybe this is presumptive of me, but you should consider not just the the words you say, but also their implication. Most other people will, and if you don't you can't communicate effectively.
I thought we just concluded that the problem is that we come to different conclusions about what the implications actually are, not that I didn't consider the implications? When someone asks me if I know something is illegal, to me, it seems they are being quite explicit that they are talking about legality and not morality, since otherwise they could tell me that that something is not cool, not that it's not legal.…
Re the topic at hand. I think that people view this as at most trivially illegal. By bringing up the question, people are in some way assuming that you are against the new CA law. Not saying that you said that explicitly, but I think that is what is going on.
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I suggest creating a form letter where you threaten to file an ADA action against them, as well as notifying your state's attorney, etc. Plus cc: the local TV station consumer reporter. When they give you static, they get a copy of that letter sent to their registered corporate agent, return receipt. Their lawyer has to handle all such legal threats. ADA actions are extremely expensive for corporations. People withou…
How do you generally go about finding registered agents? It's never been super obvious to me that Sportsmans Guide is represented by "Clarke, Whitehall and Rosenstein, LLP" or some equally stuffy sounding law firm, much less where the firm might be reachable by registered mail...
I pay for recurring stuff with a CC for this very reason. I had an insurance company refuse to cancel my insurance unless I physically came into their office all the way across town (would have been about two hours of my time when it was all said and done) to show them proof that I had insurance through another agency. I declined that request and explained that they simply weren't getting paid any more. I called the…
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…
I suspect that Privacy.com uses gift cards as proxies, and some merchants reject payments made with gift cards. If so, this could be why I experienced the above.
If someone knows better than I do, please correct me. Genuinely curious how the service works under the hood.