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‘Click to Cancel’ legislation introduced in Pennsylvania

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Re: ‘Click to Cancel’ legislation introduced in Pennsylvania

#91
post #49

Earlier quoted context omitted.

I've had issues with gyms and also a cable internet provider where the employees say they've processed your cancellation but I found later that for some reason it hadn't worked and I was still subscribed. A cable provider sent me a bill for $300 of equipment I had returned three months earlier and I was only lucky I kept the receipt from returning the equipment that I could prove I had done it. Since the items had be…

I used to have a gym membership that I only discovered later on could be canceled by mailing a letter to their HQ four states away. Not an email. Not a phone call to some retention agent in a call center. A signed letter via postage. From the tales I've read in my local city sub, I got lucky in that the billings did in fact stop quickly; others have had resort to threats of legal action after numerous letters, some e…

> Not an email. Not a phone call to some retention agent in a call center. A signed letter via postage.

Like in the civil war! Did you go acquire stamps and paper so your children and grandchildren could also cancel their gym subscriptions?

(For anyone who can watch content from Netflix and likes comedy, do yourself a favor and watch Happy Face).

Re: ‘Click to Cancel’ legislation introduced in Pennsylvania

#92

Earlier quoted context omitted.

That is not guaranteed to terminate your obligation to pay a vendor.

Why should it? If you have an obligation to pay for a gym membership, does the gym not deserve fair payments?

I don't disagree with you. You should argue with the comment I replied to.

Re: ‘Click to Cancel’ legislation introduced in Pennsylvania

#93
post #41

Earlier quoted context omitted.

Obviously someone has bribed the lawmakers for that exemption. Simple.

It's not obvious unless you're more interested in scoring political points online than actually figuring it out. Gyms don't have a huge lobbying presence. I used to live in Pennsylvania and I used to work very close to the lobbying industry. Nobody from Planet Fitness or any fitness-related association is walking around the halls of the capitol twisting arms.

> Nobody from Planet Fitness or any fitness-related association is walking around the halls of the capitol twisting arms.

The CEO of Planet Fitness was a contributor to Trump's campaign fund in 2016. I think you're underestimating how politically connected these groups are.

Re: ‘Click to Cancel’ legislation introduced in Pennsylvania

#95

Earlier quoted context omitted.

That stops the payment from happening. But it does not stop your contractual obligation to pay. So it really depends on the business and how much information they have about you, and if they are dirty enough to send you to collections for it. A gym is likely going to send you to collections. An online SaaS is more likely to just cut you off and cancel the account.

> But it does not stop your contractual obligation to pay. Can't you Americans just send a certified letter informing a business of your intent to cancel and asking them to send you a final bill (if any) to settle payments within a specified time limit? That should cover you legally?

Wonder if you'd be able to subtract a fee of your own from their amount, to cover your costs and time?

If so... that could make it worthwhile. :)

Re: ‘Click to Cancel’ legislation introduced in Pennsylvania

#97

Fully in favor of this. I recently had to cancel a subscription that had no "cancel subscription" button and instead forced you to contact customer service so they could try to sell you on discounts and etc. No, just let me cancel and get on with my day. Unfortunately, it seems health clubs(and I assume gyms?) are exempt from this when they are like 80% of the problem.

I had this same experience with For Hims. Super shady business practice that made me recommend against them ever since

Re: ‘Click to Cancel’ legislation introduced in Pennsylvania

#98
post #73

Earlier quoted context omitted.

Credit cards have worse privacy than bank accounts, and not everyone can or want to get one. They're also very popular for fraudsters. But yes virtual ones are a lot better.

What is a virtual card?

Haven't used one myself but iirc a credit card number is generated on the fly for each transaction (or maybe a set of transactions). So someone trying to charge you again will fail if it's no longer valid, and you can't correlate it easily with other data.

Re: ‘Click to Cancel’ legislation introduced in Pennsylvania

#99
post #83

Earlier quoted context omitted.

Or you can just say if you don't cancel by email you'll issue charge backs.

-1, this is ridiculous and shouldn't be necessary.

True, it's ridiculous and shouldn't be necessary. +1.

Re: ‘Click to Cancel’ legislation introduced in Pennsylvania

#100
post #72

Earlier quoted context omitted.

One thing you can do is just tell them you're deaf, cannot do a voice call, and need to cancel by e-mail.

Or you can just say if you don't cancel by email you'll issue charge backs.

Unfortunately some of the nastier vendors (gyms are notorious for doing this) will then send the charge to collections, resulting in a worse outcome. Further, credit card companies will likely reject your chargeback before it even gets to this stage since they require evidence that one tried a good faith attempt to cancel.
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