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Snowy
regular
Reg'd: Thu
Posts: 146
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Hiya everyone,
Hope you are all well today.
Just out of interest, I thought I would post this on here and see what you all think.
I'm currently migrating over from Freeserve to Plusnet. The migration takes place on 24th June.
However, I thought that all I need to do is go to World Pay web site where the transactions occur for Freeserve and just cancel the Credit Card payments.
But have found out tonight through a ISP forum (ADSL guide) that in actual fact, you can't do that with a credit card account, like you can do with a direct debit account. If you just cancel a credit card account, the supplier can still take money out of your visa, and then charge you for it. The only way you can cancel is if the supplier agrees as well. So that's why people have problems with suppliers still taking money out of their credit card even when they are no longer a customer.
That's why apparently it's better to have transactions taken out of a direct debit account because then you can cancel when you want to.
I didn't know this. With Freeserve, I have been having my payments taken out by my credit card and with Plusnet hopefully they will be taking it out by Direct Debit, although the first payment will be with credit card.
Just hope that Freeserve don't continue to take money out of the credit card after I have migrated to Plusnet.
Hope you're all well.
Love,
Becky
xxxxxxx
Becky
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Jonny555
Reg'd: Fri
Posts: 5329
Loc: Cheshire, England
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That can be a problem, but I would think that Freeserve will be OK, unless you have left whilst still under the contract period.
I've had a problem with a publishing company (not IPC Media) who continued to debit my credit card. They just bluntly refused to stop even though there wasn't any contract.
I had no option, but to report my credit card stolen. This instantly cancelled everything and a new card issued.
I hope everything goes well for you.
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Snowy
regular
Reg'd: Thu
Posts: 146
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Thanks Jonny for your message.
Sorry to hear that you've had problems with your credit card payments. I can't believe that there isn't a way to stop a company taking money out of your credit card! You can stop payments being taken out of your bank account, but why oh why can't you stop companies taking money out of your credit card? It's unbelievable! I'm surprised that there's not been more press about this, as it's awful!
Yup, I'm over the 12 month contract thankfully, so that shouldn't be a problem. I've thankfully not heard of anyone having problems with Freeserve carrying on taking money out of their credit card once no longer a customer, but I've heard of other ISP's that do continue to take money out of their credit cards!
Love,
Becky
xxxxxxx
Becky
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RobDickson
regular
Reg'd: Tue
Posts: 1659
Loc: Slough, UK
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Being unable to cancel continuous credit-card mandates without reporting the card stolen has always concerned me. Even closing the credit card account doesn't stop continuous mandates. Well worth avoiding in my opnion.
My website
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TheFatControlleR
Forum Admin
Reg'd: Fri
Posts: 6663
Loc: Megatripolis
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I was stung by this with a subscription (not net related) some years ago. From then on I've avoided using any cards for subscription services of any sort, which can be a bind but, in the long run, worth it, IMHO. 
 TFC
Nothing is a problem for me... 
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Snowy
regular
Reg'd: Thu
Posts: 146
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Well yeah I didn't know any of this when I signed up to Freeserve broadband using my credit card. Just hope that as Freeserve are reputable, that I shouldn't hopefully have a problem.
With the new server, plusnet, the first payment is through credit card but the rest are going to be through direct debit thank goodness!
Love,
Becky
xxxxxxxx
Becky
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blackpoolrock
regular
Reg'd: Fri
Posts: 240
Loc: northamptonshire
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I have found this to be an interesting thread. I too am with Freeserve now wanadoo and equally pay my subscription via credit card. I am always looking to find another ISP who can offer reliability/ good connections times and above all, a lower monthly rate (oh, I'm dial up), so if the day comes that I make the decision to "migrate", I will be apprehensive.
I would anticipate there are many folk who will find this to be a usefull area of information, so please, if anyone can add anything else which others can learn from, then lets have it ,so we are prepared.
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greysts
regular
Reg'd: Thu
Posts: 17961
Loc: Colchester
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Rob makes the point about credit card mandates. If you read the small print about credit card "standing orders" you will see that your contract is with the end company that you are paying, not the credit card firm. The card issuer will continue to deduct money from you and pay it to the company concerned so long as that company state that they have a contract with you. You can chop your card up and attempt to close the account but your credit card company will continue to rack up the charges (including interest). There have even been cases of County Court Judgements being awarded without the debtors knowledge simply as a result of "standing order" failures.
By far the safest way to make regular payments is Direct Debit mandates from your bank account. You are in complete control of them and you can stop them at any time without penalty. With online banking you can create and delete them at will.
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Jonny555
Reg'd: Fri
Posts: 5329
Loc: Cheshire, England
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I got stung because of ignorance. Not again. I was lucky that my credit card company repaid the money that shouldn't have been paid because I could show them a copy of the cancellation letter I sent to the publishing company. They then claimed this money back from the publishing company.
In hind sight using a credit card can make your subscription more expensive because unless you clear your account each month you'll be paying interest on any outstanding amount.
Direct Debit every time now for me. Plus I got a good deal with my Webuser subscription for paying by Direct Debit. 
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Snowy
regular
Reg'd: Thu
Posts: 146
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Yeah good point. Might be a good idea to actually write to Freeserve and let them know myself that I am migrating on 24th June. Do you advise I do this my snail mail or by email or is both just as good?
But could this be a bad idea in case there is a delay or something go wrong with the migration and then left without an internet connection. What do you suggest?
Love,
Becky
xxxxxxxx
BeckyEdited by Snowy on 10/06/2004 22:04 (server time).
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Madeline
regular
Reg'd: Wed
Posts: 14628
Loc: Wales
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I'd send them a letter by snail mail. Send it by Recorded Delivery(or whatever they call it these days) and be sure to keep a copy of the letter yourself. When you send a letter by RD, you get a reference number on the receipt which you can use to check if the letter has been delivered, by going to the Royal Mail website. I've done this several times and it worked each time. Bit of a surprise, really.
Madeline.
To err is human; to really foul things up you need a computer.
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