• FreeAdvice has a new Terms of Service and Privacy Policy, effective May 25, 2018.
    By continuing to use this site, you are consenting to our Terms of Service and use of cookies.

credit card?

Accident - Bankruptcy - Criminal Law / DUI - Business - Consumer - Employment - Family - Immigration - Real Estate - Tax - Traffic - Wills   Please click a topic or scroll down for more.

P

PrimeTime

Guest
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!
 


I AM ALWAYS LIABLE

Senior Member
<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>

My response:

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.

IAAL



------------------
By reading the “Response” to your question or comment, you agree that: The opinions expressed herein by "I AM ALWAYS LIABLE" are designed to provide educational information only and are not intended to, nor do they, offer legal advice. Opinions expressed to you in this site are not intended to, nor does it, create an attorney-client relationship, nor does it constitute legal advice to any person reviewing such information. No electronic communication with "I AM ALWAYS LIABLE," on its own, will generate an attorney-client relationship, nor will it be considered an attorney-client privileged communication. You further agree that you will obtain your own attorney's advice and counsel for your questions responded to herein by "I AM ALWAYS LIABLE."

 
P

PrimeTime

Guest
The name of the bank is Providian National Bank located in California. I spoke to a representative today and she said that they sent out an information packet about their credit protection plan when we first opened the account. The packet, she said, stated that unless we replied with a denial then our card would be billed monthly based upon our balance! If it looks like junk mail we throw it in the trash can. I just don't see how they can charge a card w/o a signature or some type of verbal authorization. There's no telling how many millions of dollars they fraud out of their customers a year! Thank you!

PS...What constitutes affirmations other than the one you mentioned?

[This message has been edited by PrimeTime (edited June 12, 2000).]

[This message has been edited by PrimeTime (edited June 12, 2000).]
 

Find the Right Lawyer for Your Legal Issue!

Fast, Free, and Confidential
data-ad-format="auto">
Top