Webcapades - eroticy ripoff refuse to stop billing debit card Palm Harbor Florida *EDitor's Suggestions on how to get your money back into your bank account!

I would like to add something to this report in regards to Eroticy and their stuff. 

I was a member of eroticy up until about March 2009 when I quit there.  Its interesting to note that while I was using a Debit/Mastercard since I quit eroticy, they have NOT charged my card since. 

And I do not work for Eroticy, I am a security guard

I fell for this so called "trap" of Eroticy.com and then ironically found this website after I had signed up for a Silver Membership. I sent emails immediately to the emails listed for cancellation but noticed very quickly that there were 3 different emails required for cancellation everywhere on the site. Eroticy did not list the same email address on the Terms & Conditions, Privacy or Acceptable Use contracts on their site. Nor were the email addresses consistent across the "Contact" and "Help" links.

At one point in the Terms & Conditions, they even mention a link on the "right hand side of the navigation screen on each profile" that enables you to cancel and update billing information. Needless to say, this does not exist anywhere on the site or on each profile.

Here is how I received email confirmation from Eroticy that my membership and all future billing had been canceled:

1.) Save or Print the Member Terms & Conditions and READ THEM.
2.) Under section 12 of the Terms & Conditions there is a 3-day Cancellation Period that can be exercised by writing a signed and dated letter stating you terminate your agreement without further obligation. I sent one of these express mail with confirmation receipts to the address listed. This ensures you make it under the required 3 business day period. You can also email a copy of it to all email addresses listed under "Contact", within the time period.
3.) SAVE ALL COPIES OF YOUR CORRESPONDENCE and keep calling the service number listed and emailing until they give you the confirmation.


I now have written email proof that my credit card and membership has been canceled. If they bill me in the future, I have all the evidence I need.

READ THE TERMS AND CONDITIONS FOR EVERYTHING YOU DO!!!

I fell for this so called "trap" of Eroticy.com and then ironically found this website after I had signed up for a Silver Membership. I sent emails immediately to the emails listed for cancellation but noticed very quickly that there were 3 different emails required for cancellation everywhere on the site. Eroticy did not list the same email address on the Terms & Conditions, Privacy or Acceptable Use contracts on their site. Nor were the email addresses consistent across the "Contact" and "Help" links.

At one point in the Terms & Conditions, they even mention a link on the "right hand side of the navigation screen on each profile" that enables you to cancel and update billing information. Needless to say, this does not exist anywhere on the site or on each profile.

Here is how I received email confirmation from Eroticy that my membership and all future billing had been canceled:

1.) Save or Print the Member Terms & Conditions and READ THEM.
2.) Under section 12 of the Terms & Conditions there is a 3-day Cancellation Period that can be exercised by writing a signed and dated letter stating you terminate your agreement without further obligation. I sent one of these express mail with confirmation receipts to the address listed. This ensures you make it under the required 3 business day period. You can also email a copy of it to all email addresses listed under "Contact", within the time period.
3.) SAVE ALL COPIES OF YOUR CORRESPONDENCE and keep calling the service number listed and emailing until they give you the confirmation.


I now have written email proof that my credit card and membership has been canceled. If they bill me in the future, I have all the evidence I need.

READ THE TERMS AND CONDITIONS FOR EVERYTHING YOU DO!!!

I fell for this so called "trap" of Eroticy.com and then ironically found this website after I had signed up for a Silver Membership. I sent emails immediately to the emails listed for cancellation but noticed very quickly that there were 3 different emails required for cancellation everywhere on the site. Eroticy did not list the same email address on the Terms & Conditions, Privacy or Acceptable Use contracts on their site. Nor were the email addresses consistent across the "Contact" and "Help" links.

At one point in the Terms & Conditions, they even mention a link on the "right hand side of the navigation screen on each profile" that enables you to cancel and update billing information. Needless to say, this does not exist anywhere on the site or on each profile.

Here is how I received email confirmation from Eroticy that my membership and all future billing had been canceled:

1.) Save or Print the Member Terms & Conditions and READ THEM.
2.) Under section 12 of the Terms & Conditions there is a 3-day Cancellation Period that can be exercised by writing a signed and dated letter stating you terminate your agreement without further obligation. I sent one of these express mail with confirmation receipts to the address listed. This ensures you make it under the required 3 business day period. You can also email a copy of it to all email addresses listed under "Contact", within the time period.
3.) SAVE ALL COPIES OF YOUR CORRESPONDENCE and keep calling the service number listed and emailing until they give you the confirmation.


I now have written email proof that my credit card and membership has been canceled. If they bill me in the future, I have all the evidence I need.

READ THE TERMS AND CONDITIONS FOR EVERYTHING YOU DO!!!

I fell for this so called "trap" of Eroticy.com and then ironically found this website after I had signed up for a Silver Membership. I sent emails immediately to the emails listed for cancellation but noticed very quickly that there were 3 different emails required for cancellation everywhere on the site. Eroticy did not list the same email address on the Terms & Conditions, Privacy or Acceptable Use contracts on their site. Nor were the email addresses consistent across the "Contact" and "Help" links.

At one point in the Terms & Conditions, they even mention a link on the "right hand side of the navigation screen on each profile" that enables you to cancel and update billing information. Needless to say, this does not exist anywhere on the site or on each profile.

Here is how I received email confirmation from Eroticy that my membership and all future billing had been canceled:

1.) Save or Print the Member Terms & Conditions and READ THEM.
2.) Under section 12 of the Terms & Conditions there is a 3-day Cancellation Period that can be exercised by writing a signed and dated letter stating you terminate your agreement without further obligation. I sent one of these express mail with confirmation receipts to the address listed. This ensures you make it under the required 3 business day period. You can also email a copy of it to all email addresses listed under "Contact", within the time period.
3.) SAVE ALL COPIES OF YOUR CORRESPONDENCE and keep calling the service number listed and emailing until they give you the confirmation.


I now have written email proof that my credit card and membership has been canceled. If they bill me in the future, I have all the evidence I need.

READ THE TERMS AND CONDITIONS FOR EVERYTHING YOU DO!!!

Thanks for the advice. I read about the FDCPA on Wikipedia. Since I don't really have enough evidence to dispute this I sent them a certified letter asking for an invoice and proof that I owe the money. I also sent a similar letter to webcapades. They got both. I have copies as well as the delivery receipts filed away. I haven't heard from either since.

Thanks for the advice. I read about the FDCPA on Wikipedia. Since I don't really have enough evidence to dispute this I sent them a certified letter asking for an invoice and proof that I owe the money. I also sent a similar letter to webcapades. They got both. I have copies as well as the delivery receipts filed away. I haven't heard from either since.

Thanks for the advice. I read about the FDCPA on Wikipedia. Since I don't really have enough evidence to dispute this I sent them a certified letter asking for an invoice and proof that I owe the money. I also sent a similar letter to webcapades. They got both. I have copies as well as the delivery receipts filed away. I haven't heard from either since.

Sounds like classic junk debt collection tactics to me, no doubt from another guttersniping quasi-legal boiler room. I hope my response is not too late, but it certainly applies broadly to cases like this.

Your first stop is a review of the Fair Debt Collection Practices Act. This is Federal law which keeps shady debt buyers off your back and out of your wallet. A couple of starter links are posted below.

Next, don't let these clowns get you unnerved. Often a junk debt buyer has very little to work from beyond your contact data. They take whatever figure was in the last known balance, calculate some arbitrary interest, and inflate the amount to whatever is suitable to scare coins from your pants. They may even make seemingly generous "discount" offers, which are also arbitrary given that such debt is purchased for pennies on the dollar. The worst firms hire inarticulate bullies to conduct their shakedowns and are simply not worth your time.

Don't take their calls and don't be nice enough to return any. Matter of fact, there is nothing they can do until they send you a notice on real paper with a real letterhead declaring their debt claim, and in language in keeping with FDCPA provisions. Hounding you strictly by phone with an empty $25k threat sounds exactly like those stupid emails which have been reported thoroughly on ROR. The burden of proof is on the collector, not you, to show that you owe some disputed amount. This is called "validation", and just saying "You owe us" isn't nearly good enough.

In your place I would sit tight and quiet, no matter how annoying they become, and under no circumstances make any settlement payments, especially if your old debt was already cancelled. I doubt they will send a letter as required, but if this happens you must swiftly reply in kind with your new best friend, USPS Certified Mail with Receipt card. That's when you dispute the debt, request validation, and invoke a "cease comm" until they provide it. By FDCPA rules, the junk debt buyer then must put up or shut up.

The similarity of your story to that of the past email shakedowns is too close to ignore, and may suggest this "Rapid Recovery" outfit is a front for Webcapades, or at least sharing the profits. This would mean the most insidious extortion attempt yet, since under a normal debt charge-off the Original Creditor never sees a dime once the debt is sold. Luck be with you.


http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.fair-debt-collection.com/most-asked-questions.html
http://www.cardreport.com/credit-problems/collection-faq.html

Rapid Recovery Solutions is apparently a legitimate collections agency. I called them and it turns out they're trying to charge me for the months I was a member. I already paid that money! The proof that I did is in my banking statements. It also doesn't amount to $500, only $150. I'm not sure what else to do. I'm tempted to send the collection agency my bank statements as proof that I've already paid the money. I could also get a lawyer, but it might be cheaper just to pay the money anyway. If anybody has any suggestions I'm willing to hear them.

I just recieved a phone call today from "Rapid Recovery Services". They claimed I owe eroticy $500 and if I don't pay they'll sue me for $25,000. When I looked up the number they called me from (1-866-925-3053) on yellowpages.com, nothing came up. This is the first I've heard from the company in over two years. They didn't send me e-mails or invoices or anything. I just recieve a phone call out of the blue from somebody who can hardly speak English.

I'm not really sure what to do. Unfortunately I don't have the original e-mails I sent to them anymore. However I dealt with my bank, filled out those regulation E forms, and got my money back in 2006. They should have a record of their findings. I also got a new debit card. In addition to that, I filed a report with the Better Business Bureau for all the good it did. My dad says I shouldn't worry much becuase of how long it's been since I cancelled my account and got my new debit card and also becuase they haven't been sending me invoices or anything like that. I'm considering going to a lawyer.