Cancelled Subscription via Paypal - Can I be forced to pay?

Ectophile

dalesrider wrote: »

Under the PSD (payment services Directive) You have the right to contact your payment provider and cancel. They CAN NOT refuse to take it either.
So YOU have done nothing wrong.

If they take further payment you will dispute via pay pal on the PSD basis.



Tell them if they want payment then they will have to take you to court... As you have followed the PSD and your right to cancel via payment provider.
Would be interesting to see how courts react to PSD and cancelation with a 3rd party over ruling T/C's

I'm not sure what relevance the PSD has in this case. The OP asked Paypal not to make the payment, and Paypal didn't make it. They fulfilled their obligations.

However this has nothing to do with cancelling the original contract with Legalcare. You don't cancel a contract just by telling your financial institution not to pay the money.

dalesrider

Ectophile wrote: »

However this has nothing to do with cancelling the original contract with Legalcare. You don't cancel a contract just by telling your financial institution not to pay the money.

This is one part of PSD that you now have the right with a CPA, which this is.
To cancel via your payment provider and not inform the company.

Crazy but true......

Hence why I said it would be good for a company to take this is court and see if PSD overrules agreed and fair T/C.

pmduk

Dalesrider you're ignoring the point. The OP had no contract with paypal. They've cancelled the method of payment hoping/assuming this will cancel the contract with legalcare. It doesn't, it just puts the onus on the OP to pay by some other means.

Yulter

Ok well they wont lower it more than the 3 months for £57.

Think I will just be paying it today if no other way, but amount just feels so large for such a small mistake.

Is there nothing else I can do, and should I just pay it?

dalesrider

pmduk wrote: »

Dalesrider you're ignoring the point. The OP had no contract with paypal. They've cancelled the method of payment hoping/assuming this will cancel the contract with legalcare. It doesn't, it just puts the onus on the OP to pay by some other means.

Not missing the point at all.

This is what PSD implies. That you can contact your payment proceser and stop any ongoing payments and cancel the contract.
Sure the company can request funds if you have agreed to a fixed term contract. But they would have to in the end, take you to court.
But as far as PP or any bank/ credit card co go. If a customer say STOP then stop it must.

Within 3 days I decided not to go ahead with the subcription and I cancelled my subcriptipn via paypal.

Then as far as it goes the agreement has been cancelled.
Last time I cancelled a CPA with PP, the retailer contacted me the next day to advise of this.

I want a company to take this to court to see exactly if they will say that PSD overules any contract taken out.

pmduk

OP, I suspect that this is a business that makes a fortune from cancelled subscriptions such as yours. If they report to the CRAs is it worth damaging yiur credit report?

Yulter

Part of this I have issue with is Paypal Subscriptions are not like a direct debit where when you cancel the other side have no idea until they try to charge you.

A Paypal subscription is exactly that a subscription, so when I cancelled my subscription, the day I cancelled they can see in their control panel that the subscription has been cancelled and they will be recievieng no further payment and they will be informed of that.

They could have emailed me then about it.

They also have no valid reason other then conning money out of people to not take that as a request of cancellation in my mind.

However I have managed to talk them down further to £38 for 2 months. I feel a lot better about paying that amount, a far cry from the £200 they originally were asking for.

I will be paying this and learning my lesson.

pmduk

Paypal are a law unto themselves. I hate using them, end of. They will often try to deny that they are regulated in the UK at all. They offer no phone support and will only respond by using pre-prepared emails which frequently pay no attention to the question that was asked.

boo_star

Yulter wrote: »

Part of this I have issue with is Paypal Subscriptions are not like a direct debit where when you cancel the other side have no idea until they try to charge you.

A Paypal subscription is exactly that a subscription, so when I cancelled my subscription, the day I cancelled they can see in their control panel that the subscription has been cancelled

I'm picking you up on a very particular point but if you cancel a DD via the bank, the recipient will be informed, either immediately via AUDDIS or manually.

It's possible that PayPal don't inform merchants of sub cancellations.

techspec

pmduk wrote: »

Paypal are a law unto themselves. I hate using them, end of. They will often try to deny that they are regulated in the UK at all. They offer no phone support and will only respond by using pre-prepared emails which frequently pay no attention to the question that was asked.

As much as i hate Paypal - how the heck can they be to blame for someone not cancelling their free trial?