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Started By
Message
Deleting payment method to avoid cancelation fee
Posted on 10/17/23 at 3:45 pm
Posted on 10/17/23 at 3:45 pm
I signed up for a pest control contract in August and the provider has been shite. I've given them multiple chances to fix it and provide the service they promised, but they have failed to do so. Lesson learned is I shouldve read online reviews first.
Im in a 2 year contract and want to cancel but they are going to charge me a cancelation fee which I do not believe they deserve as they have not provided the service that was promised. I've gone into my online account and deleted my payment method which was a credit card. Will this prevent them from being able to bill me further and i can just let the account die? Or will they still have the info on file from my previous payments?
They charge me by the service but I'm in a contract. I've paid for all the services that I have received already so ideally I just call them and tell them not to come by anymore and they won't be able to bill me for the cancellation.
Im in a 2 year contract and want to cancel but they are going to charge me a cancelation fee which I do not believe they deserve as they have not provided the service that was promised. I've gone into my online account and deleted my payment method which was a credit card. Will this prevent them from being able to bill me further and i can just let the account die? Or will they still have the info on file from my previous payments?
They charge me by the service but I'm in a contract. I've paid for all the services that I have received already so ideally I just call them and tell them not to come by anymore and they won't be able to bill me for the cancellation.
This post was edited on 10/17/23 at 3:48 pm
5
Posted on 10/17/23 at 3:50 pm to Yeti_Chaser
A certified letter documenting your efforts, and their inability to execute their end of the deal, and notifying them of your cancellation seems more in order.
And I'd delete the payment method too, but know that they may have that elsewhere in their system. You could cancel that credit card also.
Good luck!
And I'd delete the payment method too, but know that they may have that elsewhere in their system. You could cancel that credit card also.
Good luck!
Posted on 10/17/23 at 4:36 pm to Yeti_Chaser
Most places will still have your info on file and will try to manually charge, especially ones that are scummy and have to deal with pissed off customers often.
You can call your credit card company and block the merchant from posting any more charges on your card, just need to tell them the name as it appears on your statement and they can do it internally, then they absolutely won't be able to. Your card company will give you a spiel of like "this doesn't relieve you from contractual obligations and if the merchant can provide proof of a valid charge in an appeal they may still be able to post a charge" but a crap company that can't even do its basic service won't go to these lengths.
Depending on the amount they're looking to charge you for cancellation they may send it to collections which may or may not have any legitimacy, just depends on the size of the company and how routinely they frick their customers over.
You can call your credit card company and block the merchant from posting any more charges on your card, just need to tell them the name as it appears on your statement and they can do it internally, then they absolutely won't be able to. Your card company will give you a spiel of like "this doesn't relieve you from contractual obligations and if the merchant can provide proof of a valid charge in an appeal they may still be able to post a charge" but a crap company that can't even do its basic service won't go to these lengths.
Depending on the amount they're looking to charge you for cancellation they may send it to collections which may or may not have any legitimacy, just depends on the size of the company and how routinely they frick their customers over.
Posted on 10/17/23 at 4:43 pm to Thundercles
In the future use your banks online bill pay feature to make payments instead of sharing your payment method with the individual payees on their websites.
Posted on 10/17/23 at 10:22 pm to Yeti_Chaser
They might still try to send you to collections.
Send a certified letter documenting all the failures on their part and opportunities you gave them to fix it. Say that they failed to live up to their end of the contract and that you’re terminating the deal. If they try to pursue early termination fees, you’ll blast them on social media and to the BBB
Send a certified letter documenting all the failures on their part and opportunities you gave them to fix it. Say that they failed to live up to their end of the contract and that you’re terminating the deal. If they try to pursue early termination fees, you’ll blast them on social media and to the BBB
Posted on 10/18/23 at 10:41 am to Tiger Prawn
quote:
They might still try to send you to collections.
they'd have to sue him to do anything with it. not likely given the size of this contract imo.
Posted on 10/18/23 at 11:12 am to Yeti_Chaser
I hate situations like this...so easy for the service provider to F up your credit if they say you aren't fulfilling your end of the agreement, yet costly and time consuming for you to do anything about it if they don't live up to their end.
Posted on 10/18/23 at 12:10 pm to lsujro
quote:Not to send his account to a collection agency.
they'd have to sue him to do anything with it
I'm not sure whether or not it would result in a ding on his credit though.
Posted on 10/18/23 at 12:55 pm to Yeti_Chaser
If I understand this, you are charged when they actually show up, but the problem is you have to work your arse off to get them to show up? So, if they do not show up, you do not get charged anything? Also appears it has only been 2 months, how much were they supposed to do in that time frame. Every pest control contract I had was on a quarterly basis.
I would review your contract and as others suggested sent a certified letter informing them of your desires to cancel the contract. I would use Breach of Contract as the reason for the cancellation and use verbiage from the contract. For instance, they are supposed to show monthly but in the 6 months they have been there 3 times... There most likely is a "upon notice, they have 30 days to fix" clause in the contract, so you may need to wait another 30 days after proof they received the certified letter.
I would review your contract and as others suggested sent a certified letter informing them of your desires to cancel the contract. I would use Breach of Contract as the reason for the cancellation and use verbiage from the contract. For instance, they are supposed to show monthly but in the 6 months they have been there 3 times... There most likely is a "upon notice, they have 30 days to fix" clause in the contract, so you may need to wait another 30 days after proof they received the certified letter.
Posted on 10/19/23 at 8:59 am to Tiger Prawn
quote:
Not to send his account to a collection agency.
they can send it where they want, but almost no chance it would affect his credit (no credit was extended), and to enforce any sort of collection they would need a judgment. so they have to sue him. good luck with that
Posted on 10/19/23 at 12:21 pm to lsujro
quote:
(no credit was extended)
If they create an invoice for the unpaid cancelation wouldn't that be an extension of credit?
Posted on 10/19/23 at 12:59 pm to Yeti_Chaser
quote:
If they create an invoice for the unpaid cancelation wouldn't that be an extension of credit?
No. He's just breaching his contract. No effect on credit until they take a judgment and attempt to enforce.
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