Ok...I've had the week from heck, and last night was the LAST straw.
I've been selling on Ebay for quite some time, and recently came across an ad for a software that would allow me to cut some of the expenses out when it comes to the fees charged by Ebay and Paypal. So, I ordered the DVD, paying only shipping & handling for it.
Now, I consider myself a very careful person when it comes to my credit card numbers (well, in this case, a debit card, not attached to my bank account, thank goodness). I researched this offer very carefully, looked through it over and over for any "fine print" that might indicate a catch of some sort - you know the saying - if it sounds too good to be true, it probably is! Well...
One week after I received my dvd (which I haven't even had time to look at), I came home last night to work on my Ebay listings...only to find that I couldn't pay for an item I had bought on Ebay. My card was declined! I thought "ok - what the heck! This is only a $9 item!" I knew I had much more than that available on the card. I checked on the website for my card provider...and lo and behold, there was a $59.95 charge to my card yesterday that I didn't initiate! After some research, I found out that the company that issued the dvd for the software I was interested in had charged me. I called them immediately, and really b*tched someone out. I was advised that since my "trial period" had expired, I was charged for the software. I asked WHAT trial period - there was nothing indicated in the advertisement, or anywhere on any of the dvd packaging, or on the dvd itself (I watched it twice, looking for the "trial period" info after I was charged).
They agreed to reverse the charges "immediately", since, in their words, I "had not been informed of the terms and conditions". Now "immediately" in their books means 7-14 days. Nice.
Just a word to the wise...be VERY careful what you buy with your credit/debit card - you never know when some fly by night company that appears to be genuine will hit you with fraudulent charges. You can never be too careful with those numbers. Even the most careful person can get scammed.
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.