Confirm your email is valid, and then add it to the list of "continue to spam" accounts.
Dailyburn@mylastname.io
When they start spamming I set up a filter to hard block anything going to that address.
Good lord! This is my second "opsec" reply on this - what a statement on how shitty it is to try and engage in commerce when you need to cover your tracks like you're committing a crime...barf.
A cable provider sent me a bill for $300 of equipment I had returned three months earlier and I was only lucky I kept the receipt from returning the equipment that I could prove I had done it. Since the items had been scanned into their systems on return I could only assume malice or complete incompetence.
Not an email. Not a phone call to some retention agent in a call center. A signed letter via postage.
From the tales I've read in my local city sub, I got lucky in that the billings did in fact stop quickly; others have had resort to threats of legal action after numerous letters, some even sent via certified mail to get the charges to stop.
I don't feel that I'm being paranoid.
Services generally have two business models:
- Spread a large cost over monthly payments so that customers will spend more than they otherwise would.
- Trap a customer, either via coercion or convenience into keeping a service they don't really want.
For the business, the benefit to service offerings is clear: regular, reliable income. To the customer, there is often no benefit.
This is like saying don't buy food from restaurants because it may have prepared it unsafely or overpriced.
Overpriced is a real problem and the steps to make the price obvious to consumers is very difficult. But we solved the safety by mandating safety standards and labeling backed by real penalties. This law seems a lot like the latter and will make it easier for users to take advantages of services with the safety that they should be able to expect.
Section 4 deals with changes to terms of service.
https://legiscan.com/PA/text/HB2511/id/2569740/Pennsylvania-...
While the rest would enjoy the freed up real estate and the money saved.
Am I properly capturing the nuance of your argument? Feel free to re-echo another round of hearsay into the chamber.
Maybe you can dig more into the philosophy you have where securing profitability entitles you to the protection of those profits via legislation.
long story short I have many Echo Dots (free for “new” customers) lying around in the house now.
I believe for most gymgoers, a primary purpose of going to the gym is to hang out with your gym friends.
If you just want exercise, you can do body weight exercises for free; a couple hundred dollars is overkill.
Hmm, does one sign up for an automated monthly subscription for health clubs in the US?
If you stop paying without cancelling the contract (which they have ridiculous terms around), they sell you off to a collection agency which then proceeds to harass you until you pay. A friend recently went through this experience and warned anyone against the big-name gyms. (Looking at you myFitness)
Apple Card allows you to generate a new card number, but it replaces the existing number. And you either have to tie your bank account to them to pay, or use your card number (which you might change) on payment correspondence.
Were I a VC, part of my model to identify industries ripe for tech disruption would be to find those that get legislative sweetheart deals that don't benefit the taxpayer.
edit: Pennsylvania Health Club Act
[1] https://www.legis.state.pa.us/WU01/LI/LI/US/PDF/1989/0/0087....
So it really depends on the business and how much information they have about you, and if they are dirty enough to send you to collections for it.
A gym is likely going to send you to collections. An online SaaS is more likely to just cut you off and cancel the account.
Can't you Americans just send a certified letter informing a business of your intent to cancel and asking them to send you a final bill (if any) to settle payments within a specified time limit? That should cover you legally?
never sign up for a gym that needs your ssn. red flag.
In my home country we've had a national system for electronic invoices for ~10 years which allows you to receive invoices to your bank account. You can remove any such entry at any point in time. You also see all scheduled payments ahead of time and need to sign them before the due date, using a 2fa system that isn't tied to the bank itself. It's not perfect, and even feels a little aged today, but it's so much better than here in the US.
The only way to do it is as a chargeback but chargebacks are after the charge and come with a whole mess of pre-requirements as well as if you do it too often your provider will kick you off.
EDIT: Fit4Less is southern Ontario
That's not to say that asking your bank to block Merchant X isn't useful, but the bank can't guarantee that the merchant won't be able charge you again via a different payment processor/etc., and is why some banks are hesitant to offer this functionality.
For example, my cable company peppers its web site with ways to “upgrade” your plan easily online. Great, guess what’s missing: an easy way to downgrade anything, e.g. to fewer channels or slower Internet. Obviously they do this for exactly the same reason as the call-us-to-cancel crap but it is just different enough that they could probably keep doing it and still be in compliance with a poorly-written law.
And on the off chance something actually requires talking to a human, it is well past time to end this wait-hours-on-hold crap. Why can’t I log into my profile on the company web site, type in my phone number, describe my issue and then say CALL ME whenever the hell you manage to find an employee who is free to discuss? Furthermore, such calls could be punctuated with texts, e.g. “thank you for contacting us, please expect a call in about 10 minutes” or whatever. That stuff would have been straightforward to implement 10 years ago, much less now.
The Apple model (if followed) would be as follows:
Subscription terms in exact same font as trial terms (ie, no newspaper $1/week offers with the silly super fine print) right next to trial terms.
Required notice in advance of subscription renewals, particularly annual or other long term renewals.
Click to cancel (after login / authentication etc)
Alert to cancel on disuse / uninstall - Apple will actually suggest cancelling a subscription if you do things like delete an app.
Clear subscription terms indicating auto-renewal or one time purchase.
Cancel anytime and use through end of current term, with end of term disclosed (you can still use through XXX).
No requirement to cancel within some days of end of term or 30 days before end of term (some do no earlier than 90 days, no later than 30 days before end of term).
It would work simply. If you purchase a month/year, whatever & you're set up with autopay, once the subscription you have purchased ends, the next time you use the service you would have to approve continuing the subscription at the same terms with a single click.
No click? No pay.
I would also like it to require a second link on the same interstitial to review the terms of the subscription, and that it would be required that if there were any term changes from the previous purchase (new legalese, price variances, or service options added or removed) that they would also have to detail those in brief.
I've done a lot of subscriptions and purchases and have never had a problem with them, including getting things sorted in a few odd cases. Apple has support phone numbers with real people in a surprising number of countries.
You can setup ask to buy if you have a kid and are worried about them purchasing accidently.
If I can't find your cancel service page within five minutes of searching; I just close the card and am done.
In normal relations, when you pay you get the goods or service, and when you do not pay you do not get it, without presumptions. If you buy a carrot - or more relevantly, newspapers - everything but the cash is redundant: not everyone would accept to subscribe to a different model, if not on very exceptional services.
What is it with health clubs?!
It's an interesting industry for certain.
I can say that making it hard to cancel for most small gyms isn't because they want to engage in shady business practices, it's just making it easy to cancel takes work, and it's a very low priority for a gym owner.
The easiest solution for an owner to implement is to "contact for cancellation."
The FTC issued a statement about ramping up enforcement against consumer entrapment last year: https://www.ftc.gov/news-events/news/press-releases/2021/10/...
From the FTC statement, they require companies to:
* Disclose clearly and conspicuously all material terms of the product or service, including how much it costs, deadlines by which the consumer must act to stop further charges, the amount and frequency of such charges, how to cancel, and information about the product or service itself that is needed to stop consumers from being deceived about the characteristics of the product or service. The statement provides detail on what clear and conspicuous means, particularly noting that the information must be provided upfront when the consumer first sees the offer and generally as prominent as the deal offer itself.
* Obtain the consumer’s express informed consent before charging them for a product or services. This includes obtaining the consumer’s acceptance of the negative option feature separately from other portions of the entire transaction, not including information that interferes with, detracts from, contradicts, or otherwise undermines the consumer’s ability to provide their express informed consent.
* Provide easy and simple cancellation to the consumer. Marketers should provide cancellation mechanisms that are at least as easy to use as the method the consumer used to buy the product or service in the first place.
Are there any loopholes or bad behavior this might enable? Just something to keep in mind and consider, but on the surface I'd have to say that this does sound pretty good.
I think people have already touched on it potentially pushing certain companies out of PA.. which in theory reduces competition which is bad for consumers. So that’s one example of how this legislation that’s designed to protect consumers could end up hurting them from another angle.
Another thing I’d wonder about is: if laws like this were to catch on.. does it start to disincentivize subscription-based business models? We’ve seen such a shift towards subscriptions.. but would that potentially change dramatically?
Yes; if you're a company that doesn't like Click to Cancel, and your company's Pennsylvania business is small relative to your total business, the logical choice is simply to stop serving Pennsylvania citizens.
What do you think might happen?
I've seen "subscription forms" that don't actually process anything, they just save the info in a database for someone to manually do stuff with later. These companies will now have to work out how to do a cancel button.
Arguably, they should have to anyway, and it's not likely to be a big issue, but these types of legislation are often used to make a "moat" for established players that new ones find hard to cross.
Eg. You have to click the "learn more" link and then log in separately to a support forum where you will be DM'ed the one time use link for cancellation, which will only be valid for 5 minutes and require verifying your email and SMS number
Devil's advocate: Would this (or existing states' legislation, like California's) have any means of protecting against e.g. a non-CA user just changing their location to CA and immediately canceling? It sounds like an easy loophole for non-CA folks.
i'm guessing pretty much only CA enforces it and generally to make $ the way police do from ticketing.
credit cards are the market solution here. they work. virtual cards are even better. more effective and efficient legislation would be to simply enforce processors to accept and not differentiate virtual mastercard / visa / amex cards!
[0] https://taxfoundation.org/state-sales-tax-jurisdictions-in-t...
It's a fairly populous state at over 4% of the US total, I can't imagine national companies nixing PA.