4 ms·

Thats a good way to get 100 calls from a collection agency.

davidgh 8y ago
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?
- IanCal 8y ago
  If you agree to pay someone $X every month, then unless you tell them you don't want the service any more, you are still liable for the payment.
  - ianai 8y ago
    Not if they don’t give you a way to contact them.
    - deleted 8y ago
      [deleted]
    - ox_cable 8y ago
      Except they do give you a way to contact them. They ALWAYS give you a way to contact them. The fact that you can't follow their cancelation process all the way through is on you, not them, and that's exactly how the courts treat it after your account becomes delinquent and is sent to collections.
      - pbhjpbhj 8y ago
        Hmm, legally you phone, verify your identity and say you're cancelling. Sure, they want to speak for 20 minutes to wear you down to say you'll accept a deal or try a couple more months ... but you're surely not obligated to listen. Once you've id-ed yourself and said "I'm cancelling" then you're done. Hang up. Sue them if they charge you again. Companies rely on us feeling the pressure of social conformity. Indeed legally I expect you can cancel by any reasonable means?
        ianai 8y ago
        I just tried one place. They didn’t want to “verify” me as they had an old or different address on file for me. Tried to play cute with my name too. I recorded the interaction though.
    - tgsovlerkhgsel 8y ago
      They usually do, it's just that most people don't think of sending physical mail, nor do they consider it a reasonable way of dealing with such things (and they're right).
- astura 8y ago
  They could do something sneaky and keep your account access valid for a year even though they couldn't charge your card. Then just send you off to collections.
zenexer 8y ago
I’ve had that happen to me once in all the years I’ve been doing this sort of thing. A BBB complaint sorted that out pretty quickly.
- ianai 8y ago
  Any advice on the BBB complaint? I’ve never considered it before now.
  - ox_cable 8y ago
    The BBB is an absolute joke; you buy your ratings. As someone who's had direct contact with the BBB in a corporate context, I can say with absolute honesty and surety that the ONLY criteria that decides a corporation's BBB score is whether or not they paid the annual BBB administration fee. Ask around, talk to your friends who have had direct access- they'll confirm what I'm saying 100%. Filing a complaint with the BBB does precisely dick and angrily saying "well, I guess I'll go file a complaint with the BBB as soon as I'm off the phone with you" when on the phone trying to cancel a service serves only to make the rep you're talking to mute their microphone so they can laugh out loud at you. You think the rep you're talking to gives a flying lawnmower about your little BBB complaint? If you do, I own a bridge in California that I'd love to sell you.
    - a11595 8y ago
      Completely false. I have filed 3 BBB complaints - Direct TV, BofA, and something else I forgot. The companies wanted money which I did not owe them, and hours on the phone resulted in nothing. 2 resulted in corporate calling me, fixing their billing, and issuing an apology. The 3rd one was unproductive as BBB wanted too much unrelated personal info from me to investigate. Opening an FTC case resolved that though, but surprisingly did nothing for the other two. From my personal experience: you are lying, and you have an agenda you are trying to push here. Now let's watch me get downvoted and shadow banned by the incel mods.
- ascar 8y ago
  Stopping payment is not the same as canceling a contract. You are basically acting on the premise that it's not worth going after you. That might even be true in all cases, but it's still disingenuous and probably unlawful.

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?

IanCal 8y ago
If you agree to pay someone $X every month, then unless you tell them you don't want the service any more, you are still liable for the payment.
- ianai 8y ago
  Not if they don’t give you a way to contact them.
  - deleted 8y ago
    [deleted]
  - ox_cable 8y ago
    Except they do give you a way to contact them. They ALWAYS give you a way to contact them. The fact that you can't follow their cancelation process all the way through is on you, not them, and that's exactly how the courts treat it after your account becomes delinquent and is sent to collections.
    - pbhjpbhj 8y ago
      Hmm, legally you phone, verify your identity and say you're cancelling. Sure, they want to speak for 20 minutes to wear you down to say you'll accept a deal or try a couple more months ... but you're surely not obligated to listen. Once you've id-ed yourself and said "I'm cancelling" then you're done. Hang up. Sue them if they charge you again. Companies rely on us feeling the pressure of social conformity. Indeed legally I expect you can cancel by any reasonable means?
      - ianai 8y ago
        I just tried one place. They didn’t want to “verify” me as they had an old or different address on file for me. Tried to play cute with my name too. I recorded the interaction though.
  - tgsovlerkhgsel 8y ago
    They usually do, it's just that most people don't think of sending physical mail, nor do they consider it a reasonable way of dealing with such things (and they're right).
astura 8y ago
They could do something sneaky and keep your account access valid for a year even though they couldn't charge your card. Then just send you off to collections.

zenexer 8y ago

I’ve had that happen to me once in all the years I’ve been doing this sort of thing. A BBB complaint sorted that out pretty quickly.

ianai 8y ago
Any advice on the BBB complaint? I’ve never considered it before now.
- ox_cable 8y ago
  The BBB is an absolute joke; you buy your ratings. As someone who's had direct contact with the BBB in a corporate context, I can say with absolute honesty and surety that the ONLY criteria that decides a corporation's BBB score is whether or not they paid the annual BBB administration fee. Ask around, talk to your friends who have had direct access- they'll confirm what I'm saying 100%. Filing a complaint with the BBB does precisely dick and angrily saying "well, I guess I'll go file a complaint with the BBB as soon as I'm off the phone with you" when on the phone trying to cancel a service serves only to make the rep you're talking to mute their microphone so they can laugh out loud at you. You think the rep you're talking to gives a flying lawnmower about your little BBB complaint? If you do, I own a bridge in California that I'd love to sell you.
  - a11595 8y ago
    Completely false. I have filed 3 BBB complaints - Direct TV, BofA, and something else I forgot. The companies wanted money which I did not owe them, and hours on the phone resulted in nothing. 2 resulted in corporate calling me, fixing their billing, and issuing an apology. The 3rd one was unproductive as BBB wanted too much unrelated personal info from me to investigate. Opening an FTC case resolved that though, but surprisingly did nothing for the other two. From my personal experience: you are lying, and you have an agenda you are trying to push here. Now let's watch me get downvoted and shadow banned by the incel mods.
ascar 8y ago
Stopping payment is not the same as canceling a contract. You are basically acting on the premise that it's not worth going after you. That might even be true in all cases, but it's still disingenuous and probably unlawful.