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| Thread ID: 97031 | 2009-02-01 19:59:00 | How to make a dollar.... | Scouse (83) | PC World Chat |
| Post ID | Timestamp | Content | User | ||
| 744087 | 2009-02-02 02:41:00 | I'm not certain why you need to go through all that just to have a payment stopped.:illogical If that happened to me I would contact Card Services and ask them to stop the payments and retrieve any unauthorised payments that have been made. Some years back I had a pommy firm continually sending me unsolicited material and charging it to my account. (I had only asked for one product, not the dozens that they continued to send me.) Card Services not only stopped the payments but made certain I was refunded all that I asked for. It was a bit of a job but the outcome was good.:) The problem is that the vendor can provide proof that you 'authorised' the payment via the small print in the EULA that you acknowledge on installation/registration/activation. Authorisation by stealth is still authorisation. |
johcar (6283) | ||
| 744088 | 2009-02-02 02:53:00 | Sounds like they've taken a lesson from the porn sites. Used to be a credit card fraud investigator many years ago. The number of cardholders who typed in their credit card details in those sites, thinking it was a "one-off" payment. Yeah, right. They were in so much hurry to get to the porn, they clicked through the authorisation screens, which clearly state that montly deductions will continue until they unsubscribe, which conveniently for the site operators, could sometimes take "up to three months". Requests for bank credit was always denied. Sorry - you authorised it. Read more carefully next time. |
Peterj116 (6762) | ||
| 744089 | 2009-02-02 02:56:00 | Sorry - you authorised it. Read more carefully next time. Then they should be able to unauthorise it, Immediately and easily, Its their money. Banks are as bad as those taking the money. |
Metla (12) | ||
| 744090 | 2009-02-02 02:59:00 | It's a transaction between a cardholder and a merchant. Maybe it's changed since my day, but the bank couldn't authorise an automatic payment to stop any more than they can authorise one to start. |
Peterj116 (6762) | ||
| 744091 | 2009-02-02 03:42:00 | What I don't understand is how sites can continue to get payments from a credit card after its expiry date without getting new approval. It makes a mockery of the so-called expiry date. This happens to me with Live 365, they have deducted my subscription for years without any re-authorization. As it happens this doesn't bother me too much as I dont want to terminate membership......but someday I may.....or I may fall dead.........what then? |
Terry Porritt (14) | ||
| 744092 | 2009-02-02 04:01:00 | It's a transaction between a cardholder and a merchant. Maybe it's changed since my day, but the bank couldn't authorise an automatic payment to stop any more than they can authorise one to start. The bank plays a vital part in enabling the payment, the least they can do is play a vital part in stopping payments. Just doesn't make commercial sense to look after their customers......:waughh: |
Metla (12) | ||
| 744093 | 2009-02-02 04:01:00 | Good thing I dont have or use credit cards then | Speedy Gonzales (78) | ||
| 744094 | 2009-02-02 04:06:00 | It usually makes little difference to merchants. As long as the credit card number is valid & there's sufficent credit (or the transaction is under the merchant's floor limit) it'll go through. Merchants are stupid/greedy. Often they'll take your credit card from you by holding it vertically - in preparation for swiping it through the eftpos machine. As long as the transaction comes up as approved, they've got their money and they're happy. Service stations are particularly bad for this. They will hand your card back to you (vertically) without so much as a glance at the back of the card. You can sign anything you like. If I was a smoker, I would have bought a carton of cigarettes & signed the voucher Mickey Mouse. Then disputed the amount with my bank. Even credit cards with photos on the back are no use when the merchant doesn't look. One swipe, one look at "approved" and they're happy. Had a case once where a stolen card had the photo covered over with black marker pen. And the merchant still accepted it. Because they didn't look & it swiped ok. |
Peterj116 (6762) | ||
| 744095 | 2009-02-02 04:08:00 | The bank plays a vital part in enabling the payment, the least they can do is play a vital part in stopping payments. Just doesn't make commercial sense to look after their customers......:waughh: They'll sometimes contact the merchant to point out their "oversight" and refund the customer. But if it happens again with the same cardholder.... |
Peterj116 (6762) | ||
| 744096 | 2009-02-02 04:29:00 | I don't need to worry about any of this, as I can't afford paid software anyways:p The price of software is absurd anyways, especially when compared to hardware! Blam |
Blam (54) | ||
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