Here's an excellent resource ... I'll give you website in a sec ... but first see this:
Step 1: Write a letter to the merchant stating that you are cancelling the direct debit. Keep a copy of the letter as evidence that you have cancelled the direct debit. A sample letter for you to use is available at Sample Letter: To Merchant Cancelling a Direct Debit Authority .
Step 2: Write a letter to your bank/financial institution saying that you have cancelled the direct debit to your credit card. This letter should be addressed to the Card Services Area of the bank/financial institution and should enclose a copy of the letter to the merchant. A sample letter for you to use is: Sample Letter: To a Financial Institution Cancelling a Direct Debit on a Credit Card. Keep a copy of the letter for your records.
Step 3: A few days later you should ring the merchant and check that the direct debit has been cancelled.
I would add to this: send the letter cettified mail, return receipt requested ... it will cost a few dollars, but you'll have proof that they received it
Doing thins in writing provide documentation and gives you the ability to take/threaten them with legal action is they don't stop
Here;s what the FTC (Federal Trad commission) says to do ... Frm here: http://www.consumer.ftc.gov/articles/0221-billed-merchandise-you-never-received-heres-what-do
To dispute a billing error on your credit card, you must:
The credit card issuer must acknowledge your complaint in writing within 30 days after receiving it, unless the problem has already been resolved. And the credit card issuer must resolve the dispute within two billing cycles (but not more than 90 days) after receiving your letter.
You may withhold payment on the disputed amount (and related charges), during the investigation, but you must pay any part of the bill not in question, including any finance charges on the undisputed amount.
The credit card issuer may not take any legal or other action to collect the disputed amount and the related charges (including finance charges) during the investigation. While your account cannot be closed or restricted, the disputed amount may be applied against your credit limit.
DateYour NameYour Address, City, State, Zip CodeYour Account Number
Name of Credit Card IssuerBilling InquiriesAddress, City, State, Zip Code
Dear Sir or Madam:I am writing to dispute a billing error in the amount of $______on my account. The amount is inaccurate because the merchandise I ordered was not delivered. I ordered the merchandise on (date) . The merchant promised to deliver the merchandise to me on (date) , and the merchandise was not delivered. (In addition, when I ordered the merchandise, the merchant did not tell me that it would charge before shipping.)
I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited to my account, and that I receive an accurate statement.
Enclosed are copies of (use this sentence to describe any enclosed information, such as sales slips, payment records, documentation of shipment or delivery dates) supporting my position and experience. Please correct the billing error promptly.
Enclosures: (List what you are enclosing.)
And finally ......
If you have other problems with your purchase, try to resolve your dispute with the company. If that doesn't work, the following resources may be helpful:
DMA Mail Order Action Line1111 19th Street, N.W., Suite 1100Washington, D.C.NNN-NN-NNNN/p>
Hope this helps
It seems like a lot of trouble, I know, but the law IS on your side. Again, it's called the fair credit billing act ... it might not hure to mention in your communications with the folks that you know about it,,, but doing this in writing, and then sending it in a way thay gets you proof they've signed for it has been the best way to handl these things in my experience
I still don'
I still don't see you coming into the chat session, so I'll move us to the "Q&A" mode. … Maybe that will help … (We can still continue a dialogue there, just not in real-time chat, as we can here)
BUT... PLEASE ... let me know if you have questions at all
... just checking back in here, as I never saw you come back into the chat
Please let me know if you have any questions at all....
The FTC is a great resource: http://www.consumer.ftc.gov/articles/0221-billed-merchandise-you-never-received-heres-what-do
Let me know ...
I don't get online but once a day. I bet that makes you shudder! LOL.
Thank you for the information. Yes, it sounds overwhelming all of the steps you detailed but I understand the importance of documentation in writing. I have printed your information and will attempt to follow them "to the letter".
Thank you again.