Comments on: AOL – Secret Billing (Police)? http://www.geardiary.com/2009/07/06/aol-secret-billing-police/ Everyone can understand technology; sometimes it just takes a little translating. Tue, 14 Feb 2012 22:47:00 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: JDTagishhttp://www.geardiary.com/2009/07/06/aol-secret-billing-police/#comment-46773 JDTagish Tue, 07 Jul 2009 03:12:24 +0000 http://www.geardiary.com/2009/07/06/aol-secret-billing-police/#comment-46773 Under the Fair Debt Collections Practices Act (FDCPA) a collection agency is required to send a collections notice allowing you 30 days to dispute the validity of the debt and for you to request, in writing, proof that you owe this debt, usually in the form of billing statements. Failure to provide proof of the validity of the debt when requested in the proper time frame, and in written form (send certified mail, with a return receipt requested) negates the ability to collect on the debt and a complaint may be filed with the FTC. Such charges can then be contested on a credit report, and most often will be removed with accompanying documentation showing that the debt has not been proved to be valid. Under the Fair Debt Collections Practices Act (FDCPA) a collection agency is required to send a collections notice allowing you 30 days to dispute the validity of the debt and for you to request, in writing, proof that you owe this debt, usually in the form of billing statements.

Failure to provide proof of the validity of the debt when requested in the proper time frame, and in written form (send certified mail, with a return receipt requested) negates the ability to collect on the debt and a complaint may be filed with the FTC.

Such charges can then be contested on a credit report, and most often will be removed with accompanying documentation showing that the debt has not been proved to be valid.

]]> By: Michael Andersonhttp://www.geardiary.com/2009/07/06/aol-secret-billing-police/#comment-46765 Michael Anderson Tue, 07 Jul 2009 00:07:41 +0000 http://www.geardiary.com/2009/07/06/aol-secret-billing-police/#comment-46765 They have been doing that for years ... I tried one of their 'try us for free again' deals a few years ago and canceled at the end of 30 days, and didn't notice for a bit that they *hadn't canceled at all, and the way the charge showed up on my bank account was vague enough that it didn't register for quite some time ... and it took quite a while and load of hassle to get it all refunded. They have been doing that for years … I tried one of their ‘try us for free again’ deals a few years ago and canceled at the end of 30 days, and didn’t notice for a bit that they *hadn’t canceled at all, and the way the charge showed up on my bank account was vague enough that it didn’t register for quite some time … and it took quite a while and load of hassle to get it all refunded.

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