[info]lostangelssong in [info]07refugees

Just a thought...

Something to ponder.

We all know that LJ has an auto-payments option for people with paid accounts. You give them your credit card information, they keep it on file, and your paid account ends up being about five bucks cheaper a year. Right?

I don't have that feature set up on my LJ (my paid time doesn't run out until December, but then I'm letting my account lapse) but I know that there are plenty of people who do.

Which raises a very interesting question. If LJ permanently suspends/bans a person with a paid account that has auto-payments set up, can they, in theory, get money from that person indefinitely? Especially since the account won't have been deleted, only suspended, and the person has no way to go in and turn the auto-payments off?

I'm half-tempted to write a support ticket to LJ about this, and then I have to wonder if it would even really matter considering their utter lack of anything approaching good customer service, especially as of late.
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Because there is no service rendered or exchange of goods for the money, in theory LJ would be stealing from the user.

Should this happen, a report to the Better Business Bureau in 6A's area would probably be a good idea, in addition to contacting LJ to set things right.

Also, if it happens once, the best thing to do would be to call the credit card company, explain the circumstances, and tell them not to accept any more charges from LJ/6A.

I say all of this as a non-paying member of LJ who has no idea how the process works, but those would be the steps I'd take, since LJ/6A has no legal reason to take my money.
the best thing to do would be to call the credit card company, explain the circumstances, and tell them not to accept any more charges from LJ/6A.

Not possible, I'm afraid. Once authorised, payments on a debit or credit card cannot be cancelled except by cancelling the card altogether.

You have to wait until the transaction appears on your credit card statement and then contact the credit card disputes line to get the payment claimed back. And be prepared to do the same thing the next month, and the next, until eventually LJ gives up and stops taking it.
...and my ignorance shows *grin*

This is why I don't enter into such contracts unless I know exactly what I'm getting into, and I never felt I could trust LJ enough to pay for an account. Seems I was right.
Er, are you sure about that? Past experience with our own cards leads me to believe otherwise, but I could be misremembering something vital.
Yes, I am sure. It's my job. I have to tell customers this at least once every week.

And it's how AOL got enough money to buy Time Life Warner.

You have to contact, not the card company, but the company taking the money. Any reputable company will stop taking the payments; if it is too close to the payment date for them to stop the next payment, they will take it but will refund it shortly afterwards.

Whether LiveJournal/SixApart is a reputable company or not is not for me to say.
Ah, I see. Slight flaw in the system there. Oh well then. Thanks for the education. ^^

And I think their recent behavior speaks for itself. :p
Tharts not entirely true. You might want to check with your individual credit card company. Particularly since the situation is LJ suspending services and then billing for the next year. They can't bill for services they aren't providing.
They can't legitimately bill for services they aren't providing, and indeed they probably won't; but they can take the money illegitimately, and if they do then Visa or Mastercard will have to refund it to you and take the money back off LiveJournal.
Usually (within the UK anyway) you have to contact the company but the card company can stop the payments going through as I've had to phone up a few times as I've had monthly payments coming off my credit card to companies who have gone bust.
Not so. I bank with a Federal Credit Union and had authorized monthly payments to a company I worked for to draft my broker fees. I was able to sign a form that authorized canceling the payments from my visa card with no problem.