On 1/21/05 I noticed that I was missing $79.95 out of my checking account that I didn't know about. I put a hold on the debit card that was supposedly used and my husband contacted NHS. My husband informed the man he talked to that we had never been to or even heard of any of the web sites they said we had purchased subscribsions from. They closed our "account" with them and told us we would be recieving the missing $79.95 in 10-15 business days.
After 17 business days I called to see what was aking the money so long. The woman I talked to hardly spoke english and I didn't understand all of what she said. I did get an explaination that it would be after 10-15 business days that I would recieve it.
I tried to be patient and finally I got sick of waiting, I called the number once again; (646) 495-8107, and demanded to speak with a supervisor. The woman, (again foreign) informed me that there was no way to contact a supervisor by phone. She tried to give me an email address but I kept interupting asking for a phone number.
I called back later that day, (3/9/05) and as the line rang I realized that the ringtone was funny sounding. Like none that I had heard before. As a man answered I also realized that everyone I had talked to sounded like they were from India. It finally clicked in my head, the reason they aren't giving me a phone number is because they're in India! So all along I've been trying to get money from someone who doesn't even have the ability to give it to me!
I've emailed NHS and left my phone number but I got a reply saying that they don't give refunds for services rendered. I never even signed up for anything!!!I don't know how they got my debit card number but I sure as hell didn't give it to them! I am VERY MAD! I want the money they stole from me back in my account!! I have filed a report through the BBB but I don't know how far that will take me. Has anyone else been ripped off without even signing up for music?
U.S.A. EDitor's Suggestions on how to get your money back! HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:
Go to your bank within 60 days of the charge, or as soon as you know about the charge, don't delay, and tell them that there has been fraudulent activity within your account. Explain that you wish to file a dispute, and demand that they assist you in accordance with Federal Regulation E.
According to the majority of victims interviewed by Rip-off Report, those who immediately called their banks to dispute the charges did not get very far. Many victims got the following responses from their banks: we could not do anything for you or you waited too long; it has been more than 60 days.
If the bank is says that you have waited too long, explain to them how you called their 800 number as soon as the charges were found, and were told by the bank that nothing could be done. Remind the bank that they failed to assist you properly at the 800 #, and instead, provided you with an inadequate explanation of your right to dispute. Tell the bank that it's their fault time has expired, and since they gave you the wrong info to begin with, they will just have to deal with it, take the loss and reverse the charges.
Tell them the truth; this was unauthorized and your account was NOT to be charged! Keep emphasizing how you never authorized anything! Direct them to the hundreds of victims reports that were filed on Rip-off Report.com. And if you're at the bank, walk them over to their computer and make them go to this site! If you are on the phone with them, tell them you will wait while they access this site! Either way, be persistent! DO NOT TAKE NO FOR AN ANSWER!
Let them know nicely, that you were advised to Report them (the Bank) and this situation to the Banking Commission in your state. Since each state has a different name for the agency/controller over banks, find that name before you call or get to the bank so you can throw it in their face. The more knowledgeable you appear to be, the further you will get.
And just continue to demand the Federal Regulation E form! The bank CAN, MUST and WILL reverse the charge! But, you must be persistent; ask to speak to the supervisor or the area manager for all the branches in the state.
Let the bank personnel know you are meeting with the media later in the day, that you would much rather they do the right thing (as most other banks have) by looking at the complaints and immediately reversing the charge(s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the truth.
If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics should still work. The bank can easily fax or mail to you the Federal Regulation E dispute form. CHARGES TO YOUR CREDIT CARD
If the charge was to your credit card (not debit card, check card, or checking account), contact the credit card company as soon as possible to request a dispute form. Consumers usually have a little longer to dispute fraudulent credit card charges (up to 6 months), but it is better to act right away. In this type of situation, credit card disputes are usually successful since fraudulent companies often won't contest the disputed charge. In rare cases, credit card companies will review disputes, but refuse to reverse the charges. If this occurs, complain to a manager and let them know you will be filing a report here.
Remember Don't let them get away with it! Make sure they make the Rip-off Report .. The more Reports filed on a Company or individual, the more likely it is that the authorities, media and attorneys will want to take action.
And good luck Let us know how you do!
ED Magedson Founder, Rip-off Report.com & Author of www.ripoffrevenge.com
Don't let them get away with it.
Make sure they make the Rip-off Report!
We are not lawyers.
We are not a collection agency.
We are Consumer Advocates. ...the victims' advocate
WE are Civil and Human Rights Activists
We are a Worldwide Consumer Reporting News Agency ...by consumers, for consumers CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.