MWI Homeworks Plus - MWI Connections - AP9 Homeworks Plus - HDI Simple Escapes ripoff said they sent me a free 30-day trial membership which I never rec'd and since I didn't cancel, they've been charging me for 13 months. Omaha Nebraska and Connecticut *EDitor's Suggestions on how to get your money back into your bank account!

I finally got around to investigating a mysterious $15.95 charge appearing every month on my Visa and found it's been going on for 13 months!!! When I called the 800#, I told them about these charges and that I had no idea who they were, what they were selling, or why the charges were appearing on my Visa. I was told by "Bon #14697" that I received this "free" trial membership when I purchased a product via an infomercial. He said he could cancel the membership and refund the last payment. I then said, "Did you hear me? I said these charges have been appearing since Oct.'03, and you're offering me $15.95?" He then transferred me to a supervisor.

Once again, I insisted I had never signed up for their services, had never received anything regarding their services, and would never have been interested if I had. She responded that because I did not cancel the membership after the 30-day trial period, the charges were valid. I asked how I could possibly have cancelled something I never knew I had, and reminded her that I had NEVER received anything from them. She explained that the package is sent out within 30 days of the infomercial purchase but that it could have gotten lost in the mail.

I challenged her as to how I would have to have ESP to know I needed to cancel something I never got; she then started yelling (speaking over me) that according to the terms and conditions of the membership I never received, that I was still completely liable for payment. I told her that was illegal and that she would be hearing from my lawyer. She hurriedly gave her name, "Sue #15382", and said that due to the "special circumstances" of my account she was authorized to offer me a 2-month refund. I told her she'd be hearing from my laywer.

I have done a web search and cannot find this company or its address, other than my Visa statement which indicates it's somewhere in Connecticut. Another complaint website shows one of its company addresses (MWI COnnections) as being in Omaha, NebraskaAlso, the name for this company on your website of previously identified "offenders" is spelled incorrectly -- you have it is MWI Homeswork, and it should be Homeworks.

Does anyone know what can be done? My Visa company said they can only go back 3 months. Thanks.

Jan
Atlanta, Georgia
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
EDitor@RipoffReport.com
badbusinessbureau.com
www.ripoffreport.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.

Click here to read other Rip Off Reports on MWI Connections / MWI Homeswork / MWI Essentials

CLICK HERE ...*EDitor's NOTICE ..MWI Lawsuit filed