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January 4th, 2014, 12:57 PM | #11 |
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It seems hit and miss, I've never had issues with ccbill and tend to go for sites that use it as an option. I always ensure I cancel a few weeks before the renewal date (you can check that on their site) and have always had an e-mail confirmation that my subscription will end on whatever date and that my card will not be re-billed. To date I have had no issues.
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January 4th, 2014, 03:13 PM | #12 |
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I had something similar happen with a site (turned out to be chinese behind the scenes), where I signed up for a free trial for three days, and they tried to bill me instantly for three separate sites with no prior indication. My CC company actually blocked it themselves right away wondering why three charges from China would appear at the same second. They called me and asked if they were valid. I said No, they cancelled my current card and issued me one with a new number.
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January 4th, 2014, 03:32 PM | #13 | |
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In 2011, my checking account was hacked online by someone in Europe. Despite having pretty extensive anti-virus software running, he keylogged me when I was using my card online, and tried to use my debit card to buy about $1,000 worth of power tools. The hacker's transaction was traced to Europe, and my bank called me as soon as the transaction took place. With my bank, any time there is a suspicious transaction they put a hold on it until they confirm whether or not it's legitimate. I told them that I had not made the purchases, and they immediately cancelled the transactions and issued me a new card with a new number. One of the vulnerabilities of today's digital world is also one of its strengths. Yes, we are all susceptible to having our information and personal ID stolen, but because everything is digital, a bank or other institution can just as quickly freeze suspicious activity and transactions before they actually are finalized.
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January 5th, 2014, 12:03 AM | #14 | |
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Exactly! He's quite right. The reality is that it's much easier to stop having payments taken out of your account by just cancelling the card than it is trying to call and have the debits stopped. Once you commit to authorizing an auto-payment of any kind to a website, it can be VERY, VERY difficult to get your bank or credit card company to stop the debits. And if you want to get reimbursed? Forget it, that can take months or years, it's like pulling teeth embedded in cement. Now, don't misunderstand me, I'm not talking about cancelling your card COMPLETELY! I'm not talking about closing a checking account or cancelling a credit card! What I mean is, one of the best methods for getting auto-debit payments stopped or stop having your credit card auto-charged is to literally report the card as "lost" or "stolen". What will happen is, because they have to treat your card as potentially being in the hands of a stranger, they MUST cancel the card with the current number. Because of that, they issue a new card with a new number. At that point, whatever card number the website has on file, suddenly will no longer work because the number no longer exists. Now, one distinction I SHOULD make here, because it's an important one. If you sign up for a site like Paypal or Amazon, you can link your online shopping and purchasing accounts to a debit or credit card, OR to your bank account itself, to pay for items that you buy. NOW, if you sign up to a website that ends up being some kind of scam, and you signed up to make payments using a debit or credit card, then you can just cancel the card number and have a new number issued to stop the payments. BUT, if you signed up and gave them your CHECKING ACCOUNT number itself to debit against, you're screwed, you have no choice but to actually close the checking account and start up a new one, there's not much choice. Just as a side-note, and I realize that this is kind of underhanded, but it can really get you out of a financial jam when you just need to reset and start fresh with something. If you have collection agencies after you, or if you have payments being debited out of a checking account automatically each month(i.e. the minimum monthly payment on a credit card, or the payment against a car or something), one of the best ways to stop those payments from continuing is to simply close the entire checking account and start up a new checking account. The old account number that your credit card company or collection agency has on file will suddenly be quite useless. Their access to your funds will be instantly cut off. I'm not saying this is a great way to handle your life financially. I'm not advocating defaulting on credit cards or defaulting on car loans. I'm just saying when it comes down to your survival and your money, you can take measures to make sure that they can't keep taking money out of your account. You need to eat and have a place to live and sleep first. Credit card payments and everything else are secondary.
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"Good luck, everyone..." Last edited by Baranovich; January 11th, 2014 at 03:00 AM.. Reason: Edited text for content. |
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January 5th, 2014, 12:59 AM | #15 | |
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January 5th, 2014, 01:15 AM | #16 | |
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Unless your paycheck at work is being attached, which is something that your employer has to abide by because it's ordered by a court. If you enter into a payment agreement with a collection agency, and then break it, their only recourse is to pursue a small claims case with the courts. And then, all the court can do is mandate that you pay them so much per week or per month, and it's all right back where it started.
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"Good luck, everyone..." Last edited by Baranovich; January 6th, 2014 at 04:23 AM.. Reason: Edited text for content. |
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