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What would the consequences be of subscribing to something with a disposable card, then deactivating that card instead of formally unsubscribing? Can companies
by yosito 5y ago
What would the consequences be of subscribing to something with a disposable card, then deactivating that card instead of formally unsubscribing? Can companies send your information to a debt collector or somehow force you to pay since you didn't cancel? Can it affect your credit score?
- dejj 5y agoGerman law knows “Dauerschuldverhältnis” (permanent indebtedness). If you don’t cancel the contract and just cease payment, the other party can obtain title against you, and eventually impound you.
- danuker 5y agoI would suppose you'd have to actually have a choice in the matter. If you have to spend 30+ minutes to unsubscribe, surely it's not the only law that applies.
- littlecranky67 5y agoTrue, but easy way to get around this is to just revoke the SEPA mandate - which you are always allowed to. You still owe the money, but after revocation they will have to send you an invoice and wait for your payment. Larger companies will not do this as they have no process for this, and rather allow termination.
- Nextgrid 5y agoIf there's a minimum term/commitment it can be considered morally wrong (as you're depriving them of revenue you've agreed to pay in advance) and there might be more incentive to collect that amount. If there's no minimum commitment (or it's expired already) there's basically no problem. Yes, they can in theory send that debt to collections and litigate. Both of these are expensive and are unlikely. If you've made reasonable efforts to cancel you can indeed block future payments and let them sort it out. If they want to litigate they'd have to explain why those reasonable efforts were ignored (and have the court rule in their favour).