SUBMITTED: Sunday, April 19, 2009
POSTED: Sunday, April 19, 2009
I was ripped off by freecreditreport.com in the same way. They charged my Master Card 14.95 for five months before I caught it.
I happen to work for a large National Visa Company, so I knew exactly what to do to make short work of the charges.
I will share my expertise with you people, so you can recover what you can. The first thing I did was call freecreditreport.com & I remained on the line for as long as it took-seemed like forever- but you must not quit. Then I told them in no uncertain terms that I did not accept their reasoning as legally binding & they could say or do whatever they want, but I don't play that. Next I went to the website of the credit card & clicked separately on each one of the separate five charges to my acct & further clicked, in turn, on DISPUTE TRANSACTION for each separate charge.
My Master Card removed the charges in about 48 hours. The charges are in review right now & Freecreditreport.com must fight the dispute & produce legal proof that I agreed to consent to these charges. Their unilateral action of sending a message with the statement contained in the message requiring response is not legal consideration that facilitates a binding contract. If you actually ever took advantage of the service during the time period, that may constitute consent on your part. If you however agreed to their free offer & NEVER responded to them in any way, shape, manner, or form, you have never entered into a binding relationship with them. Of course, I am NOT an attorney, but I know enough about contractual law through knowledge of being a Florida Licensed Real Estate Broker, that I am confident in what I write.