<BLOCKQUOTE><font size="1" face="Arial, Helvetica, Verdana">quote:</font><HR>Originally posted by PrimeTime:
A credit card co. charged my wife over $25 a month for over a year for a credit protection plan she never authorized. When we contacted the credit card company they said that we authorized it by not replying to a letter that they had sent to us advertising the credit protection plan. Is this legal? What recourse do we have to recoup our money? They said that they could only refund one month! Thank you!<HR></BLOCKQUOTE>
What is the name of the credit card and the issuing company name? There are a lot of companies that offer such "protection" with as many rules and regulations, that must themselves, comply with State law.
Also, did you request a copy of the "offer" and if so, what does it say? If not, get it.
In California, as one example, "negative" or "reverse" offers are illegal; that is, an offer can only be accepted by an "affirmative" act on the part of the cardholder - - e.g., a signature on the offer, and mailing it back to the company.
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