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  • FIRST POST
    • MSE Luke
    • By MSE Luke 27th Nov 17, 5:09 PM
    • 253Posts
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    MSE Luke
    MSE News: Citizens Advice issues warning over unwanted subscriptions
    • #1
    • 27th Nov 17, 5:09 PM
    MSE News: Citizens Advice issues warning over unwanted subscriptions 27th Nov 17 at 5:09 PM
    Many consumers are facing huge difficulties trying to cancel unwanted subscriptions such as gym memberships...
    Read the full story:
    'Citizens Advice issues warning over unwanted subscriptions'

    Click reply below to discuss. If you haven’t already, join the forum to reply.
Page 1
    • MSE Andrea
    • By MSE Andrea 28th Nov 17, 9:28 AM
    • 8,838 Posts
    • 21,147 Thanks
    MSE Andrea
    • #2
    • 28th Nov 17, 9:28 AM
    • #2
    • 28th Nov 17, 9:28 AM
    Has anyone here struggled with this?
    Could you do with a Money Makeover?


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    • miller
    • By miller 28th Nov 17, 9:53 AM
    • 1,210 Posts
    • 403 Thanks
    miller
    • #3
    • 28th Nov 17, 9:53 AM
    • #3
    • 28th Nov 17, 9:53 AM
    "The companies" seem to like sign up online (easy), cancel by phone (as hard as they want to make it).
    • Caddyman
    • By Caddyman 28th Nov 17, 10:41 AM
    • 277 Posts
    • 174 Thanks
    Caddyman
    • #4
    • 28th Nov 17, 10:41 AM
    • #4
    • 28th Nov 17, 10:41 AM
    I truly wonder, how many people when they go and sign themselves up to a gym membership or a magazine subscription, sit down prior to handing over their bank details and read the full T's and C's relating to cancellation? I'd wager, very few. And therein lies the problem, some folks don't read what they're signing up to and when they want to get out and cancel, the provider makes life as difficult as possible. It's been going on for years, it isn't at all right and there needs to be regulation (if there isn't already) to ensure people aren't 'trapped' into subscriptions they no longer want. As long as one gives adequate notice after the initial agreed minimum joining period, then there shouldn't be an issue. Sadly, the reality for some turns into a nightmare.
    • Kim_13
    • By Kim_13 28th Nov 17, 2:09 PM
    • 1,471 Posts
    • 1,755 Thanks
    Kim_13
    • #5
    • 28th Nov 17, 2:09 PM
    • #5
    • 28th Nov 17, 2:09 PM
    I once tried to obtain a PAC code from O2 via Live Chat. I did this via mobile, as I had a long commute and 45 minutes to wait for a train. They insisted they could only do this when I live chatted them from a PC!

    They did give it to me when I live chatted from a PC, but not before attempting to keep me with sim only deals that were obviously unsuitable. I was moving to giffgaff for more data and O2 kindly offered me a deal at the same price with no data(!)
    Sealed Pot 11 #520 ~ /£100
    VSP 2017 #9 ~ £108.83/£250.00
    CCCC 2017 #1 ~ £220.95/£120.00

    I'm a Board Guide on the Savings and Investments , Budgeting and Bank Accounts , Credit Cards and Marriage, Relationships and Families boards which means I volunteer to help get your forum questions answered and keep the forum running smoothly. Please remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com (it's not part of my role to deal with this.) Any views are mine and not the official line of MoneySavingExpert.com
    • tempus_fugit
    • By tempus_fugit 28th Nov 17, 6:37 PM
    • 330 Posts
    • 313 Thanks
    tempus_fugit
    • #6
    • 28th Nov 17, 6:37 PM
    • #6
    • 28th Nov 17, 6:37 PM
    Yes, getting PAC code can still be a nightmare, and they are not supposed to make it difficult for you, but it still happens. Luckily I have been with GiffGaff a couple of years now and I am very happy with them.
    Retired at age 56 after having "light bulb moment" due to reading MSE and its forums. Have been converted to the "budget to zero" concept and use YNAB for all monthly budgeting and long term goals.
    • Pound
    • By Pound 28th Nov 17, 9:49 PM
    • 2,642 Posts
    • 1,313 Thanks
    Pound
    • #7
    • 28th Nov 17, 9:49 PM
    • #7
    • 28th Nov 17, 9:49 PM
    TV license
    Sign up:
    Easily online, range of payment options.

    Cancelling:
    Can only be done by post, you need to provide evidence that you don't need the license (imagine if your gym asked for evidence of not needing to go to the gym). Forms are confusing and if you get it slightly wrong you get a letter telling you the refund is rejected without any sort of explanation of why. Even if you fill it in right, they ignore your request for a BACS payment and issue a cheque dated in the past giving it a shorter expiry time.

    • dekaspace
    • By dekaspace 28th Nov 17, 11:39 PM
    • 3,691 Posts
    • 3,036 Thanks
    dekaspace
    • #8
    • 28th Nov 17, 11:39 PM
    • #8
    • 28th Nov 17, 11:39 PM
    I truly wonder, how many people when they go and sign themselves up to a gym membership or a magazine subscription, sit down prior to handing over their bank details and read the full T's and C's relating to cancellation? I'd wager, very few. And therein lies the problem, some folks don't read what they're signing up to and when they want to get out and cancel, the provider makes life as difficult as possible. It's been going on for years, it isn't at all right and there needs to be regulation (if there isn't already) to ensure people aren't 'trapped' into subscriptions they no longer want. As long as one gives adequate notice after the initial agreed minimum joining period, then there shouldn't be an issue. Sadly, the reality for some turns into a nightmare.
    Originally posted by Caddyman

    I was caught out a few years ago at freshers when a local gym was giving out free 3 day passes by giving them your details, I had enquired before about the company as it was newly opened (though part of a chain) I was assured if I gave bank details it would only be used if I signed up for the gym. I was given no terms and told SHOULD I sign up for the gym I had 14 days to cancel.


    Decided not to join nor use the 3 day pass and 6 weeks later got a bill stating I had not paid my subcription, I enquired and was told I had entered a 12 month contract (whcih also was a lie made to me, was told they do monthly contracts) and as it had been passed to collections even though I told them I would pay the 6 weeks there and then and start going I was told the whole year was payable there and then and I would not be allowed to attend.


    Sorry for side story but point was I was given no terms, and told it was a free trial.
    • Caddyman
    • By Caddyman 29th Nov 17, 6:45 AM
    • 277 Posts
    • 174 Thanks
    Caddyman
    • #9
    • 29th Nov 17, 6:45 AM
    • #9
    • 29th Nov 17, 6:45 AM
    I was caught out a few years ago at freshers when a local gym was giving out free 3 day passes by giving them your details, I had enquired before about the company as it was newly opened (though part of a chain) I was assured if I gave bank details it would only be used if I signed up for the gym. I was given no terms and told SHOULD I sign up for the gym I had 14 days to cancel.


    Decided not to join nor use the 3 day pass and 6 weeks later got a bill stating I had not paid my subcription, I enquired and was told I had entered a 12 month contract (whcih also was a lie made to me, was told they do monthly contracts) and as it had been passed to collections even though I told them I would pay the 6 weeks there and then and start going I was told the whole year was payable there and then and I would not be allowed to attend.


    Sorry for side story but point was I was given no terms, and told it was a free trial.
    Originally posted by dekaspace
    Very unfortunate and I do sympathise, but you've guessed it, there's a 'but' coming.....In this life, you get absolutely nothing for 'free', there is always a catch somewhere. I learned a very long time ago to question absolutely everything and accept nothing at face value.

    The trouble is with your scenario, the people that scammed you, and that is exactly what they did, scam you, are professionals at what they do. They can and do make what looks like a seemingly simple, innocent 'offer', to draw you in, look legitimate. If anyone is asking for your bank details at an early stage just to sucker you in for a 'free trial', then I can assure you, it will be anything but free and alarm bells should be ringing. You definitely shouldn't be handing over your bank account and sort code, you should just walk away.
    • agrinnall
    • By agrinnall 29th Nov 17, 8:11 AM
    • 18,772 Posts
    • 14,481 Thanks
    agrinnall
    Has anyone here struggled with this?
    Originally posted by MSE Andrea
    A search of the Consumer Rights board would have found many such cases, did you bother to do that?
    • miller
    • By miller 29th Nov 17, 11:20 AM
    • 1,210 Posts
    • 403 Thanks
    miller
    TV license
    Sign up:
    Easily online, range of payment options.
    Originally posted by Pound
    Should have gone to a subscription model when the digital switch-over occurred.

    A mandatory subscription to 2 main channels with frequent dubious output for anyone watching live TV (for ~£12.50 a month) should have no place in 2017 IMO.
    • phillw
    • By phillw 29th Nov 17, 12:13 PM
    • 1,041 Posts
    • 622 Thanks
    phillw
    Should have gone to a subscription model when the digital switch-over occurred.
    Originally posted by miller
    They didn't, because it would be impractical.

    There is no way that they could introduce subscriptions for radio. The TV subscription would end up as big as a disaster as virgin and sky.

    People were conned into leaving the EU with vague promises of funding our NHS, we ought to be funding our BBC as well. Both have "dubious" output, but both are something to be proud of.
    Last edited by phillw; 29-11-2017 at 12:15 PM.
    • miller
    • By miller 29th Nov 17, 1:30 PM
    • 1,210 Posts
    • 403 Thanks
    miller
    Not sure where the EU comes into this. People should have a choice whether they pay for the BBC's output or not, regardless of whether they watch other channels.
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