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It mostly work though, although it might not be legal, most companies will drop your subscription after some time if you stop paying. You might receive some let
by jle17 5y ago
It mostly work though, although it might not be legal, most companies will drop your subscription after some time if you stop paying. You might receive some letters from collection agencies, but as long as the sums in question are an order of magnitude lower than what is worth bringing in front of tribunal, they will stop after some time.
- yanderekko 5y agoDoes Europe not have credit scores? Would these sorts of things not end up as derogatory events on them?
- corty 5y agoYes, there are things like credit scores, e.g. "schufa" in germany. Also, collecting via court order ("gerichtliches Mahnverfahren") costs around 20 Euros in fees and isn't that complex, you hand in 1 form in triplicate and wait for the money.
- sofixa 5y agoDepends on the country, but mostly no, and thank fucking $deity. Credit score systems are an abomination that go against privacy and are used to entrap people into debt and keep not knowledgeable people poor. I find it ridiculous when Americans speak about the Chinese social score system - judging people on debt management and spend is marginally better than on communist-aligning speech. Especially when it's done by for-profit companies that have zero incentive to get anything right. In most EU countries when you want to take out a loan, the bank takes a look at your current status ( employment, expenses, family, etc.) and debt history stored by the central bank ( which is basically you had a loan of 10k for 5 years, don't own anything anymore) and judge based on that if you're credit worthy or not.
- alisonkisk 5y agoYou're saying it's OK to order stuff and not pay for it, as long it costs less than the cost of going to court?
- sofixa 5y agoNo, it's okay to subscribe to something, stop using it and stop paying it. When your access is cutoff due to non-payment, what's the problem?
- FireBeyond 5y agoTheir argument (and to be clear, how much I agree with it depends on the nature of the product/service, and the amount), is that your subscription had an intended duration, and was priced accordingly, and that you received discounts from the "on-demand" pricing that you would otherwise not have been entitled to.
- bigwavedave 5y ago> No, it's okay to subscribe to something, stop using it and stop paying it. When your access is cutoff due to non-payment, what's the problem? Let's look at it from a different perspective. If a coworker and I build a service in my garage from the ground up where I let users pay $100/mo month-to-month, $75/mo for a six month agreement, or $50/mo for a twelve month agreement, you're saying it's fine to agree to the twelve month term, get the 50% discount for a few months, and then cancel your card even though the only reason I offered such a steep discount in the first place is because you promised you'd pay me for twelve months?
- account42 5y agoYes. You can always demand 12 * $50 up front.
- bigwavedave 5y agoJust to be sure there's no miscommunication here, you believe it's alright to default on an agreement purely because the person you're doing business with is letting you finance it (at a steep discount and without interest of any kind) instead of demanding a lump sum?
- distances 5y agoI don't know where you live, but I know people who've gotten court summons due to non-payment of subscription services. In this case a travel ticket subscription and not Adobe's cloud stuff, but the escalation method is there and used in any case.
- MrTortoise 5y agothis is not true i have a default for £40 for a phone sim that they charged me for for 6 months after i cancelled. I do not owe them the money yet they sold the debt. Nobody cares ... I now have a default on my credit reference. The whole industry is crooked