How To Use
Cancellations should be done by letter promptly.
You should always request refunds, even if you suspect you do not qualify for one. You may get a surprise check in the mail! Be sure your letter to the credit card or Bank company accompanies this correspondence to the supplier. It will increase your chances of getting both parties to take proper and prompt action in your favor.
Especially important: be sure any automatic debits to your bank account or charges to your credit card are canceled. To implement this effectively, and set up the proper procedure for your family, always include a copy to the Credit Card Company or Bank of this Cancellation of Membership, Subscription, to Supplier, with a notice to the Credit Card or Bank, to terminate automatic charges.
Credit Card companies and Banks are not especially prompt at implementing these cancellations nor are suppliers very prompt in ceasing to do these activities. So, you must carefully inspect incoming Credit Card and Bank statements to be sure these chargeback activities have ceased. This is especially a problem with Banks than have gone through recent mergers and/or consolidations. It took me, for example, 5 months to eliminate a wrongful debit from a health club to our Bank. The health club, in good faith, tried to put the transfer correction through, as did the Bank; neither succeeded for 5 months.
- A housekeeping suggestion is to keep a record of your subscriptions and memberships in a separate file area. You do not necessarily need separate folders for small issues. However, it is helpful in the long run if you have one or more disputes or cancellations you are trying to effect. As Lenin once said, “Sometimes you have to take one step backward to go two steps forward”. A filing is like that!
- Organizations are strongly influenced by the appearance of your documents as we have said in other areas of this Guide. Clearly typed letters accompanied by copies of original documents tend to influence them strongly in your favor to give you what you want since organized people, as they know, are more apt to be persistent. Be guided accordingly in your collecting data to accompany cancellations and other communications, as well as in your setting up file procedures. Tip on setting up these files: Don’t overextend yourself and try to reconstruct data from the past. Just start with new items and collect that information going forward. You can add copies of Credit Card or Bank statements showing the transmittal data to these files, even if you don’t have the original paperwork. Be guided by the idea that some organization is better than none, and that within a few years you should have most of it in order.